1 00:00:00,120 --> 00:00:01,800 Welcome everyone to Buying Local. 2 00:00:01,800 --> 00:00:04,000 I'm your host, Mike Nelson from 5 Towers Media. 3 00:00:04,760 --> 00:00:08,560 Today we're talking with a couple of guys, one we've had on 4 00:00:08,560 --> 00:00:12,960 the show before, Chris, and just 'cause I am terrible with 5 00:00:12,960 --> 00:00:15,760 pronouncing people's last names and your last name has a 6 00:00:15,760 --> 00:00:18,120 spelling to it that would be easy for me to mess up. 7 00:00:18,120 --> 00:00:21,880 So Chris, if you don't mind, just introduce yourself and tell 8 00:00:21,880 --> 00:00:24,240 us a little bit about who you are and what you do. 9 00:00:24,720 --> 00:00:27,040 Fair enough. So I am Chris Mastantuno and 10 00:00:27,040 --> 00:00:31,920 this is Ron Monaco. I I own the car shops in 11 00:00:31,920 --> 00:00:36,600 Queensbury and Malta and we have been a, a pre owned car dealer 12 00:00:36,600 --> 00:00:39,880 in the Capital Region for 12 years going on. 13 00:00:42,400 --> 00:00:46,840 And like you said, we we were on your show before and we're 14 00:00:46,840 --> 00:00:49,160 coming out with a new venture and Ron's going to be 15 00:00:49,160 --> 00:00:51,680 spearheading it for me. And so I want to introduce you 16 00:00:51,680 --> 00:00:54,800 to Ron and he'll tell you a little bit about his past and 17 00:00:54,800 --> 00:00:57,120 kind of how we're going to how we're going to make this new 18 00:00:57,120 --> 00:00:59,360 thing help our communities, we think. 19 00:00:59,840 --> 00:01:03,360 We there. So that's a great segue into 20 00:01:03,360 --> 00:01:08,400 into Ron and and talking about re qualify 360 and we'll we'll 21 00:01:08,400 --> 00:01:11,040 kind of jump back and forth, I think between car shop and re 22 00:01:11,040 --> 00:01:13,480 qualify and kind of the connection and and how they 23 00:01:13,760 --> 00:01:17,400 relate to each other. Ron, give us a give us the broad 24 00:01:17,400 --> 00:01:20,240 strokes, man. What is Re Qualify 360? 25 00:01:20,760 --> 00:01:26,760 So re qualify 360 is, is a chance to get back to not just 26 00:01:26,760 --> 00:01:30,040 credit health, but credibility in your life, your finances, 27 00:01:30,040 --> 00:01:33,560 right? Unfortunately, you know, in the 28 00:01:33,560 --> 00:01:37,640 times that we live, kind of like Chris had touched base on that 29 00:01:37,640 --> 00:01:42,080 is people don't really know where they stand today, right? 30 00:01:42,080 --> 00:01:46,280 Credit seems to be that ugly topic that nobody really wants 31 00:01:46,280 --> 00:01:49,880 to bring to the table conversation, but you don't 32 00:01:49,880 --> 00:01:54,320 realistically in more than just your finances. 33 00:01:54,320 --> 00:01:58,400 It's prevalent in your life. You know even your car insurance 34 00:01:58,400 --> 00:02:02,600 quotes right in the prices that that you're gauged with in that 35 00:02:02,600 --> 00:02:05,000 industry. It it comes from your personal 36 00:02:05,000 --> 00:02:08,199 profile. And unfortunately, people 37 00:02:08,199 --> 00:02:12,680 understand that credit is a deciding factor, but they don't 38 00:02:12,680 --> 00:02:17,720 understand the driving force in which these bureaus are labeling 39 00:02:17,720 --> 00:02:20,920 you, right? So getting people the knowledge, 40 00:02:20,920 --> 00:02:24,560 the education, but also being somebody on their behalf that 41 00:02:25,000 --> 00:02:29,960 can kind of fight their battle for them that quite frankly, 42 00:02:30,320 --> 00:02:34,640 most of us just don't have the time for behind the scenes. 43 00:02:34,640 --> 00:02:39,160 All the while educating them on how to kind of put the road map 44 00:02:39,160 --> 00:02:44,720 together and to not just survive this world anymore, but thrive 45 00:02:44,720 --> 00:02:50,200 it. You know, but you know, 25% of 46 00:02:50,200 --> 00:02:54,400 people, at least for what we see in this area are below a 600 47 00:02:54,400 --> 00:02:58,760 credit score. And you know, opportunities fade 48 00:02:58,760 --> 00:03:04,800 very quickly and you give the power essentially to the other 49 00:03:04,800 --> 00:03:08,320 side, to the lenders, to these people that are pricing you out 50 00:03:08,320 --> 00:03:10,280 based on a profile that you have. 51 00:03:11,080 --> 00:03:13,680 Ultimately, we want to see people in our community be able 52 00:03:13,680 --> 00:03:17,520 to do better for themselves. Certainly that transcends, you 53 00:03:17,520 --> 00:03:19,760 know, transcends to more business for us. 54 00:03:19,760 --> 00:03:23,120 But you know it, it goes a long way when you can educate 55 00:03:23,120 --> 00:03:26,520 somebody and how to empower themselves moving forward. 56 00:03:26,640 --> 00:03:29,680 It's also just an affordability question that there's so much 57 00:03:29,680 --> 00:03:34,440 conversation about affordability across the spectrum, right? 58 00:03:34,440 --> 00:03:42,520 But if you have a 5% interest rate difference on a, on a car 59 00:03:42,520 --> 00:03:45,080 loan, let's say, just because that's our specialty, right? 60 00:03:45,080 --> 00:03:50,000 I mean, that could be, that could be $100 a month difference 61 00:03:50,000 --> 00:03:53,680 for the same car, right? So people can't afford an extra 62 00:03:53,680 --> 00:03:59,120 $100 now among everything being good just because of inflation 63 00:03:59,120 --> 00:04:00,960 and, and wages and all that kind of stuff. 64 00:04:00,960 --> 00:04:04,560 So we have something that we could that we could, we have a 65 00:04:04,560 --> 00:04:08,520 skill set that we have that we could share with people that 66 00:04:08,520 --> 00:04:12,280 could literally reduce their costs across the spectrum, 67 00:04:12,600 --> 00:04:14,120 right. So car payments could be 100 68 00:04:14,120 --> 00:04:16,040 less, car insurance could be 50 less. 69 00:04:17,320 --> 00:04:19,519 I don't really know much about apartment markets, but. 70 00:04:20,440 --> 00:04:23,120 Still based off that? Yeah, it's still based on that 71 00:04:23,120 --> 00:04:24,840 profile. I'm I'm sure that they're going 72 00:04:24,840 --> 00:04:29,360 to bump the bump the rent if your credit is a 480 as opposed 73 00:04:29,360 --> 00:04:34,160 to a 690 or or whatever. So we're just trying to make do 74 00:04:34,160 --> 00:04:37,920 our little part to, to, to, to make a profit, not going to lie, 75 00:04:37,920 --> 00:04:39,680 right? But also that there's a huge 76 00:04:39,680 --> 00:04:43,480 need and then there's a huge gap for, for what's going on in the 77 00:04:43,480 --> 00:04:45,000 market today. And people just need a little 78 00:04:45,000 --> 00:04:46,200 bit of help and a little assistance. 79 00:04:46,200 --> 00:04:49,840 So I think a little credit coaching is a, it's kind of just 80 00:04:49,840 --> 00:04:51,320 what the doctor ordered. Absolutely. 81 00:04:51,320 --> 00:04:53,560 Yeah. And and is that the is that the 82 00:04:53,640 --> 00:04:56,640 kind of main component behind what we qualify 360 is, is 83 00:04:56,640 --> 00:04:58,880 credit coaching? It's exactly that. 84 00:04:58,880 --> 00:05:01,320 So it's so it's credit rebuilding and credit coaching. 85 00:05:01,720 --> 00:05:05,880 So we'll help you get and some stuff that's on your credit 86 00:05:06,240 --> 00:05:08,720 Bureau. If some of that stuff is 87 00:05:08,720 --> 00:05:12,240 erroneous or stale or old will will help you dispute it and 88 00:05:12,240 --> 00:05:16,200 will help you get rid of it or even just correct it. 89 00:05:16,200 --> 00:05:19,400 If somebody has you down for, you know, an $800 correct 90 00:05:19,400 --> 00:05:22,440 collection and supposed to be $300 collection, that makes a 91 00:05:22,440 --> 00:05:24,800 big difference. Just that correction, even if it 92 00:05:24,800 --> 00:05:28,880 doesn't get eliminated. But there's a lot and there's 93 00:05:28,880 --> 00:05:33,240 also lots of non factual information on on credit reports 94 00:05:33,240 --> 00:05:37,680 that you know, people will sell debt to, you know, these 95 00:05:37,680 --> 00:05:41,440 collection agencies that pay pennies on the dollar and they 96 00:05:41,440 --> 00:05:42,840 just put whatever they want out there. 97 00:05:42,840 --> 00:05:45,760 There's no like dotting TS and crossing I's. 98 00:05:45,760 --> 00:05:49,880 They're they're just taking a spreadsheet of debt for Fred 99 00:05:49,880 --> 00:05:53,160 Flintstone. And it might be Fred Flintstone 100 00:05:53,160 --> 00:05:55,840 junior, you know what I mean? Like in debt there, there's just 101 00:05:55,840 --> 00:06:00,880 not a lot of, there's not a lot of, there's not a lot of success 102 00:06:00,880 --> 00:06:04,440 in, in policing that just because it's so widespread. 103 00:06:04,440 --> 00:06:07,720 And this things could get sold. These things can get sold 3 or 4 104 00:06:07,720 --> 00:06:10,560 times. Like I could sell it to ABC 105 00:06:10,560 --> 00:06:14,120 collection for $0.12 and then they could, they could give up 106 00:06:14,120 --> 00:06:17,400 on it after a year and sell it to XYZ collection for six cents. 107 00:06:17,400 --> 00:06:21,200 And then and then you have three of them for the same collection 108 00:06:21,200 --> 00:06:24,000 with three different numbers on it because they keep accruing 109 00:06:24,000 --> 00:06:26,880 interest. And then you have one debt 110 00:06:26,880 --> 00:06:29,920 that's showing three different times that's 14 years old. 111 00:06:29,920 --> 00:06:34,960 And if you don't know how to fight that and you don't even 112 00:06:34,960 --> 00:06:37,080 know that it's there and most people don't know, they might 113 00:06:37,080 --> 00:06:40,960 have credit karma or some free service, but you get what you 114 00:06:40,960 --> 00:06:43,920 pay for, right? Credit Karma is not so factual. 115 00:06:43,920 --> 00:06:49,440 It's stale, it's old, it's dated, it kind of just, a lot of 116 00:06:49,440 --> 00:06:51,960 people just need help. And, and there was a time when I 117 00:06:51,960 --> 00:06:55,240 had bad credit too, you know, and, and I, I needed help in 118 00:06:55,240 --> 00:06:58,240 that regard. And I have a lot of friends and 119 00:06:58,240 --> 00:07:00,120 family in the same kind of position. 120 00:07:00,120 --> 00:07:04,840 So we don't just see it at work, you know, we see it at dinner. 121 00:07:05,800 --> 00:07:08,480 Yeah, yeah, it's, it's interesting because it's as you 122 00:07:08,480 --> 00:07:10,720 guys were talking, I was thinking about like, I mean, 123 00:07:10,720 --> 00:07:13,800 most of us don't actually know what our credit score is until 124 00:07:13,800 --> 00:07:15,880 we go to get a loan or something along those lines. 125 00:07:15,880 --> 00:07:17,640 And that's when we find out where we are, right? 126 00:07:17,640 --> 00:07:20,600 It's kind of like you're, you know, I mean, some of us may 127 00:07:20,600 --> 00:07:22,960 know that we have good credit or some of us may know we have bad 128 00:07:22,960 --> 00:07:24,920 credit, but we're kind of going in their fingers crossed. 129 00:07:24,920 --> 00:07:26,720 Like what's the other come back at, right. 130 00:07:27,120 --> 00:07:30,160 And when it comes back poor, what do you do? 131 00:07:30,240 --> 00:07:34,520 Like I, you know, I don't know anything about cleaning up my 132 00:07:34,520 --> 00:07:37,960 credit report if I need to, or how to have those conversations. 133 00:07:37,960 --> 00:07:40,640 And I've read stuff about it before about all the different 134 00:07:41,600 --> 00:07:44,560 things that you have to do and letters you have to write and 135 00:07:44,560 --> 00:07:47,320 communication you have to send. It seems kind of overwhelming 136 00:07:47,360 --> 00:07:49,200 for that it for that your average person. 137 00:07:49,640 --> 00:07:50,880 Of course. Absolutely. 138 00:07:51,280 --> 00:07:54,920 Of course it's, you know, that in money is so important and 139 00:07:54,920 --> 00:07:58,520 financial advice is so important and it's so easy to talk about, 140 00:07:58,520 --> 00:08:01,680 you know, you know, you see financial advisors on every 141 00:08:01,680 --> 00:08:04,320 corner, especially you drive through Saratoga Springs, right? 142 00:08:04,320 --> 00:08:06,120 It's so easy, right? You get all these. 143 00:08:06,240 --> 00:08:09,960 But those are for primarily people that have money and have 144 00:08:09,960 --> 00:08:14,160 resources, right? Who's giving financial advice to 145 00:08:14,800 --> 00:08:18,640 somebody who's living day-to-day and paycheck to paycheck, right. 146 00:08:18,640 --> 00:08:20,000 And who needs it more? Really. 147 00:08:20,800 --> 00:08:23,160 Yeah. They have an affordability 148 00:08:23,160 --> 00:08:26,320 crisis in this country and it's it's no different in upstate New 149 00:08:26,320 --> 00:08:30,000 York. So people need help and they 150 00:08:30,000 --> 00:08:32,240 don't have the expertise. And like you said, fingers 151 00:08:32,240 --> 00:08:35,799 crossed is a real thing. Like, yeah, every day in the 152 00:08:35,799 --> 00:08:38,679 store, man, fingers crossed. Like, oh, I hope you can get me 153 00:08:38,679 --> 00:08:40,520 approved. I hope you can get me approved. 154 00:08:41,320 --> 00:08:44,520 And it's like it's, it's, it's, it's very challenging. 155 00:08:44,520 --> 00:08:46,720 It's very challenging. It's I'll tell you, I mean that 156 00:08:46,720 --> 00:08:49,640 realistically, every I buy a car every few years, every few 157 00:08:49,640 --> 00:08:51,320 years. I'm like going to the and I'm 158 00:08:51,320 --> 00:08:54,120 like, I've no idea where my credit score is, but let's hope 159 00:08:54,120 --> 00:08:55,680 it's up there so I get a better rate. 160 00:08:55,680 --> 00:08:57,520 Like fingers crossed. Here we go, guys. 161 00:08:57,520 --> 00:08:59,560 Like fill out the app, wait to hear back. 162 00:09:00,200 --> 00:09:02,320 No much. And I was actually talking to, I 163 00:09:02,320 --> 00:09:07,000 was talking to a credit union Rep yesterday and he was like, 164 00:09:07,000 --> 00:09:09,440 what are you seeing? And I'm like, it's really tough 165 00:09:09,440 --> 00:09:11,160 out there. And he's like, we're seeing it 166 00:09:11,160 --> 00:09:12,640 too. So now this is a credit union. 167 00:09:12,640 --> 00:09:15,000 This isn't like a subprime lender or anything like that. 168 00:09:15,000 --> 00:09:17,640 This is a prime credit unit. He goes, what we're really 169 00:09:17,640 --> 00:09:23,480 seeing is credit score compression because that's what 170 00:09:23,520 --> 00:09:27,680 I was touching on before. Like if you were a 726 months 171 00:09:27,680 --> 00:09:34,320 ago and your, your credit limit, your, your utilization just went 172 00:09:34,320 --> 00:09:38,840 up by 5% for whatever reason, because you bought a shed at 173 00:09:38,840 --> 00:09:42,760 Home Depot and it was 3 grand and it used to be 1200. 174 00:09:43,480 --> 00:09:46,400 All of a sudden your utilization is over 30%. 175 00:09:46,400 --> 00:09:50,960 I mean, your credit can go from 7:20 to 680 in 2 minutes, right? 176 00:09:51,120 --> 00:09:53,280 And if you make the payments on that in three months, it'll go 177 00:09:53,280 --> 00:09:57,480 back, which is great. But if you need to go get a car 178 00:09:57,480 --> 00:10:03,160 inside that three months, you're going from a, an, A tier credit 179 00:10:03,160 --> 00:10:06,920 profile to AB tier credit profile and then your interest 180 00:10:06,920 --> 00:10:10,280 rates going from 7 or 8% to 10 or 11%. 181 00:10:11,160 --> 00:10:14,600 And the last car you bought five years ago you bought at 4% 182 00:10:14,600 --> 00:10:16,240 because the world was different then. 183 00:10:17,400 --> 00:10:22,920 And so now the car that you bought years back is $200 more a 184 00:10:22,920 --> 00:10:25,840 month because a, the price of everything went up five grand 185 00:10:26,200 --> 00:10:29,560 and now your cost to borrow went from 4% to 12%. 186 00:10:30,280 --> 00:10:32,960 Significant. Yeah, it's a pretty wild idea 187 00:10:32,960 --> 00:10:37,920 that like even though I'm still paying my bills on time, real in 188 00:10:37,920 --> 00:10:41,880 theory, nothing's changed other than I'm a little bit over on 189 00:10:41,880 --> 00:10:45,480 that, how much money I have, my credit card versus what the 190 00:10:45,480 --> 00:10:47,520 total balance is. I think that's how that works, 191 00:10:47,520 --> 00:10:50,400 right? You know, like that just that 192 00:10:50,400 --> 00:10:54,640 one little thing can have such a huge impact on your buying 193 00:10:54,640 --> 00:10:56,960 power, your interest rate, which again turns back to 194 00:10:56,960 --> 00:11:00,240 affordability, which then comes into your cash flow and how much 195 00:11:00,240 --> 00:11:02,440 money you have the budget every month, right, like. 196 00:11:02,480 --> 00:11:04,960 And that's the thing, and we know it, everybody's day-to-day, 197 00:11:04,960 --> 00:11:07,120 everybody is week to week. People that make a lot of money 198 00:11:07,120 --> 00:11:09,200 can't afford things. So people that don't make a lot 199 00:11:09,200 --> 00:11:11,480 of money, they really can't afford things. 200 00:11:12,200 --> 00:11:15,480 It's definitely, I mean, I don't know, anytime I buy anything 201 00:11:15,480 --> 00:11:18,720 recently and not I always I just thought maybe it was because I'm 202 00:11:18,720 --> 00:11:21,000 just getting old and I'm becoming one of those practical 203 00:11:21,000 --> 00:11:24,040 guys that's like I remember when things were a nickel, you know, 204 00:11:24,040 --> 00:11:25,880 but like. That's me. 205 00:11:25,880 --> 00:11:28,520 I was like, I remember when I used to go to a movie for $7.00. 206 00:11:28,520 --> 00:11:31,920 No, Yeah, Man A. 130 to go for Take the family to the movies, 207 00:11:32,120 --> 00:11:34,040 you know. You buy a steak at the grocery 208 00:11:34,040 --> 00:11:37,680 store, it's 30 bucks now instead of it being 8 bucks a few years. 209 00:11:37,720 --> 00:11:40,680 You know, like, yeah, the affordability is out of control. 210 00:11:40,680 --> 00:11:43,960 Like things are so expensive, every penny counts. 211 00:11:44,480 --> 00:11:47,960 What So what I mean, obviously I know there's a car shop 212 00:11:47,960 --> 00:11:50,200 connection, right? So you guys are are working with 213 00:11:50,200 --> 00:11:54,400 people everyday trying to get car loans through it is. 214 00:11:54,800 --> 00:11:57,720 But realistically, what made you say like one day, like we need 215 00:11:57,720 --> 00:12:01,400 to do something about this? And then that was the, you know, 216 00:12:01,800 --> 00:12:04,440 re qualify as the fruit that came from that tree, so to 217 00:12:04,440 --> 00:12:07,120 speak. So, so, so we, we started to 218 00:12:07,120 --> 00:12:11,440 dive into some data kind of kind of became a little bit of a data 219 00:12:11,440 --> 00:12:15,120 nerd and AI kind of helped that because it makes it really easy 220 00:12:15,120 --> 00:12:19,120 to kind of look through stuff. But we were, we were, we 221 00:12:19,120 --> 00:12:21,360 weren't, I don't want to say declining because that's not a 222 00:12:21,360 --> 00:12:23,840 good word because everybody's theoretically approved. 223 00:12:23,840 --> 00:12:27,320 Just the approvals could really be horrific, right? 224 00:12:27,760 --> 00:12:32,920 So we, we determined that like 72% of our, of our customers 225 00:12:33,520 --> 00:12:36,400 were virtually non approved, right? 226 00:12:36,400 --> 00:12:39,800 So they were, they were, the approvals were like so 227 00:12:39,800 --> 00:12:42,880 ridiculous that you couldn't even say it was a straight face, 228 00:12:42,880 --> 00:12:45,000 right? Like I'll approve you at this 229 00:12:45,320 --> 00:12:48,960 gargantuan interest rate, but you have to put half down after 230 00:12:48,960 --> 00:12:51,960 they just told you they are going to have trouble, you know, 231 00:12:51,960 --> 00:12:53,320 putting gas in the car to get home. 232 00:12:54,800 --> 00:12:58,640 So that's, that's the threshold for for an approval is there, 233 00:12:58,640 --> 00:13:00,560 but in real life it's not an approval, right? 234 00:13:00,560 --> 00:13:06,600 So, so we realized that 72% of regular hard working New Yorkers 235 00:13:07,720 --> 00:13:12,760 just can't get a car that they need to get back and forth and, 236 00:13:13,160 --> 00:13:15,480 and we have more banks than everybody and we're still 237 00:13:15,480 --> 00:13:18,360 struggling, right. And it's like, so what's the 238 00:13:18,360 --> 00:13:20,080 alternative? So then they go on the street 239 00:13:20,080 --> 00:13:23,160 and they buy a car for $800 or $2000 or whatever. 240 00:13:23,160 --> 00:13:25,840 And how long does it last last Two months. 241 00:13:25,840 --> 00:13:29,800 The last three months because it's a $800 car or $2000 car. 242 00:13:30,360 --> 00:13:33,960 And then they're right back in the same, in the same rut. 243 00:13:33,960 --> 00:13:36,800 And then they call us again and they're like, how about now? 244 00:13:36,800 --> 00:13:39,640 Can you get us approved now? And it's like, sorry, Joe, I 245 00:13:39,640 --> 00:13:43,520 still can't get you approved because nothing changed in the 246 00:13:43,520 --> 00:13:47,120 last two months, Right. So it's like you keep having 247 00:13:47,120 --> 00:13:52,440 these hard conversations with good people and you, you, you 248 00:13:52,440 --> 00:13:53,840 try to figure out a solution for it. 249 00:13:54,120 --> 00:13:55,760 Yeah. Yeah, and that's got to be a 250 00:13:55,760 --> 00:13:57,360 hard conversation to have. I mean, it's got to be an 251 00:13:57,360 --> 00:14:01,520 emotional conversation, right? Like, you know, people need a 252 00:14:01,520 --> 00:14:03,320 car in today's day and age. You like you. 253 00:14:03,520 --> 00:14:07,200 The idea that you can get by without a vehicle to get to work 254 00:14:07,200 --> 00:14:09,360 and go to the grocery store and do all the things that people 255 00:14:09,360 --> 00:14:12,840 need to do on a day to basis. Like I, I had no idea how anyone 256 00:14:12,840 --> 00:14:15,200 would do it. So it's got that, you know, 257 00:14:15,400 --> 00:14:17,120 you're looking at like I need to be able to get to work. 258 00:14:17,120 --> 00:14:19,280 I need to be able to get to the grocery store and I need a car 259 00:14:19,280 --> 00:14:21,880 to do it. And my credit score is the thing 260 00:14:21,880 --> 00:14:24,880 that's in, in between me and being able to do that. 261 00:14:25,080 --> 00:14:28,080 That's a pretty wild idea. Yeah, yeah. 262 00:14:28,240 --> 00:14:30,360 And again, like like we said originally, most people really 263 00:14:30,360 --> 00:14:31,920 don't know. Yeah. 264 00:14:32,600 --> 00:14:35,040 But and, and, and it, it happens the other way too. 265 00:14:35,040 --> 00:14:37,200 Like we'll have people that are like, Oh, I don't know, I have 266 00:14:37,200 --> 00:14:39,120 no credit. My credit sucks and they have 267 00:14:39,120 --> 00:14:40,440 good credit. They don't even know it. 268 00:14:40,440 --> 00:14:43,600 So like, like, like the ignorance works, works both 269 00:14:43,600 --> 00:14:46,600 ways, right? But, but literally people just 270 00:14:46,600 --> 00:14:49,080 don't know. They don't have a, a qualified 271 00:14:49,080 --> 00:14:51,520 solution and they don't really have an answer. 272 00:14:51,960 --> 00:14:54,600 And then the other thing is people are really afraid to ask, 273 00:14:54,800 --> 00:14:57,440 right? People are afraid to ask. 274 00:14:57,440 --> 00:15:00,000 People don't like the unknown. They don't like walking in 275 00:15:00,160 --> 00:15:01,880 feeling like they're going to be embarrassed, right? 276 00:15:01,880 --> 00:15:04,440 Like, like, like there's no way it's going to work or there's no 277 00:15:04,440 --> 00:15:07,640 way it's going to happen or, you know, they have to ask mom for 278 00:15:07,640 --> 00:15:12,080 help and they're 30 years old. And like, this is, but this is 279 00:15:12,080 --> 00:15:15,120 what affordability crises really, really do. 280 00:15:15,120 --> 00:15:18,720 And and I think that we are probably in at least in my 281 00:15:18,720 --> 00:15:21,720 lifetime, I think this is by far the most significant thing we've 282 00:15:21,720 --> 00:15:25,480 we've come across. Yeah, I mean, I just from my 283 00:15:25,480 --> 00:15:29,600 standpoint, I know in my life, I, I, I it's wild to me how 284 00:15:29,600 --> 00:15:32,040 expensive everything is. And I often wonder like. 285 00:15:32,520 --> 00:15:35,600 How do? People get by with how much 286 00:15:35,600 --> 00:15:38,680 they're costing right now. They say, they say it every day, 287 00:15:38,680 --> 00:15:40,320 right? With, with gratitude and with 288 00:15:40,320 --> 00:15:42,440 blessings. But at the same time, I say it 289 00:15:42,440 --> 00:15:46,320 every day. How, how do, how do, how do 290 00:15:46,320 --> 00:15:50,680 somebody with a family of four do it with the cost of child 291 00:15:50,680 --> 00:15:52,800 care, with the cost of car insurance? 292 00:15:54,320 --> 00:15:57,400 I I I I I literally don't get it. 293 00:15:57,920 --> 00:16:02,520 Yeah, it it's, I mean, I guess that's why everybody's working 294 00:16:02,520 --> 00:16:08,240 14 jobs these days. So, So what is the process? 295 00:16:08,240 --> 00:16:11,680 Look for you, for you guys, I assume you're not just working 296 00:16:11,680 --> 00:16:13,040 with people that are coming in for cars. 297 00:16:13,040 --> 00:16:15,480 But obviously if someone comes in for a car, you can offer that 298 00:16:15,480 --> 00:16:18,560 service. But how do how do people like, 299 00:16:18,560 --> 00:16:21,320 what does it look through? They they come to you, they got 300 00:16:21,320 --> 00:16:22,880 credit issues and they want to fix them. 301 00:16:23,920 --> 00:16:26,840 So they'll, they'll, they'll ask for help basically. 302 00:16:26,840 --> 00:16:29,320 And then, and then I'm going to let Ron take over here and that, 303 00:16:29,320 --> 00:16:32,200 but it's going to start with what we would call like a credit 304 00:16:32,200 --> 00:16:34,360 audit. And I said I'm going to pivot to 305 00:16:34,360 --> 00:16:36,960 Ron and I just don't shut up. So I'm going to give it to Ron. 306 00:16:38,280 --> 00:16:42,760 Well, that's just say, you know, unfortunately you know that 72%, 307 00:16:42,920 --> 00:16:47,680 you know that we can't get the terms or the offer that would 308 00:16:47,680 --> 00:16:51,440 really suit within their budget. You know, the next step is to 309 00:16:51,440 --> 00:16:53,600 take a deeper look. And that's where I come in. 310 00:16:53,600 --> 00:16:58,840 I can, I can do a full audit on their credit profile and I'm 311 00:16:58,840 --> 00:17:03,920 looking for anything, any kind of discrepancy and inaccuracy. 312 00:17:04,520 --> 00:17:07,800 I mean, there's so many actually Consumer Reports recently put 313 00:17:07,800 --> 00:17:12,880 out something that 44% of people that recently have actually 314 00:17:12,880 --> 00:17:16,079 monitored their own credit found at least one in accuracy on 315 00:17:16,079 --> 00:17:20,160 their report, one in accuracy, whether it's an outdated 316 00:17:20,160 --> 00:17:24,640 balance, wrongful identity, you know, wrongful debt. 317 00:17:24,640 --> 00:17:27,079 I mean, it can be damning to your credit profile. 318 00:17:27,079 --> 00:17:32,520 So it's amazing at how much I can unearth by just really going 319 00:17:32,520 --> 00:17:33,880 through it with a fine tooth comb. 320 00:17:33,880 --> 00:17:39,440 From there it's about, you know, the process, so explaining to 321 00:17:39,480 --> 00:17:42,800 the client, you know, what I can do on their behalf by 322 00:17:43,160 --> 00:17:48,880 formulating the right letters, disputing to the bureau's or 323 00:17:48,880 --> 00:17:52,600 even justification of debts to creditors that need to correct 324 00:17:52,600 --> 00:17:56,200 information on their behalf. Because at the end of the day, 325 00:17:56,200 --> 00:18:00,000 and and we talk about this all the time, if people had that 326 00:18:00,000 --> 00:18:04,760 knowledge or really the time on their hands, they would have 327 00:18:04,760 --> 00:18:07,520 done it already. So, you know, given my financial 328 00:18:07,520 --> 00:18:10,520 background, the way that I can kind of read the forest through 329 00:18:10,520 --> 00:18:14,720 the trees, so to speak, it's about isolating those going to 330 00:18:14,720 --> 00:18:18,360 bat for the client. But where I like to go just one 331 00:18:18,360 --> 00:18:24,000 step ahead is not just combating the inaccuracies information, 332 00:18:24,000 --> 00:18:26,920 it's about really giving them the coaching and education that 333 00:18:26,920 --> 00:18:29,600 they need. And and let's yes, let's get you 334 00:18:29,600 --> 00:18:32,240 the momentum. But this is how we maintain it. 335 00:18:32,520 --> 00:18:35,560 This is this is how these scores are formulated. 336 00:18:35,560 --> 00:18:39,400 These are what these bureaus are looking for from everything from 337 00:18:39,400 --> 00:18:43,200 credit utilization to your age of your accounts to the length, 338 00:18:43,200 --> 00:18:46,720 you know, you know, amount of accounts that you have, the 339 00:18:46,720 --> 00:18:50,240 amount of inquiries you know that you're receiving, which you 340 00:18:50,240 --> 00:18:52,400 know, there's, there's a lot to unravel there. 341 00:18:52,600 --> 00:18:55,200 But at the end of the day, it's about really certifying the 342 00:18:55,200 --> 00:18:59,400 education to the client. And yes, we can remove the 343 00:18:59,400 --> 00:19:02,360 wrongful information. And I'm going to, I'm not just 344 00:19:02,360 --> 00:19:04,280 going to tell you about it, I'm going to show you, I'm going to 345 00:19:04,280 --> 00:19:06,720 put that audit together. I'm going to put it in front of 346 00:19:06,720 --> 00:19:10,320 the client so they can see not just take my word for it, but 347 00:19:10,320 --> 00:19:13,960 then also put together a blueprint of and now this is how 348 00:19:13,960 --> 00:19:17,680 once we eliminate this, starting today, how we can start making 349 00:19:17,680 --> 00:19:21,480 credit work for you. This is how you go from a 540 to 350 00:19:21,480 --> 00:19:26,200 a 700 in a, you know, whatever spectrum of time, depending on 351 00:19:26,200 --> 00:19:30,560 the case by case basis. So, so realistically, it's, it's 352 00:19:30,560 --> 00:19:33,040 really a thorough and educational process. 353 00:19:33,040 --> 00:19:37,200 And, and that's what we want, you know, we want to create 354 00:19:37,200 --> 00:19:42,120 credit savants because at the end of the day, you lose power 355 00:19:42,120 --> 00:19:46,120 in every negotiation when you don't understand how this stuff 356 00:19:46,120 --> 00:19:48,360 works. So I think, you know, putting 357 00:19:48,360 --> 00:19:51,520 that in the holster of the client, giving them, you know, 358 00:19:51,520 --> 00:19:56,600 the right education to move forward and understand what 359 00:19:56,600 --> 00:19:59,480 they're actually bringing to the table and not conceding that 360 00:19:59,480 --> 00:20:03,240 power across the table. It's how we get affordability 361 00:20:03,240 --> 00:20:05,200 back in line. It's how, you know, we get 362 00:20:05,200 --> 00:20:07,200 success. You know, as as a husband and a 363 00:20:07,200 --> 00:20:11,400 father myself, I, the human part of me doesn't know, like Chris 364 00:20:11,400 --> 00:20:14,040 Touch. Based on how a lot of these 365 00:20:14,040 --> 00:20:17,000 families are surviving, right? And that's the difference. 366 00:20:17,000 --> 00:20:19,640 And I can't say it enough. I, I want people to start 367 00:20:19,640 --> 00:20:22,240 thriving. And that doesn't start until you 368 00:20:22,240 --> 00:20:24,120 have a knowledge of how things work. 369 00:20:25,360 --> 00:20:29,240 Well, not I along that vein too. I got to push back on on one 370 00:20:29,240 --> 00:20:32,120 thing you said where you said that people could go and do this 371 00:20:32,120 --> 00:20:35,880 themselves, but I would push back and say, well, yeah, maybe, 372 00:20:35,880 --> 00:20:38,200 But they what they'd have to do is they'd have to educate 373 00:20:38,200 --> 00:20:41,040 themselves to a level of where you already are, right. 374 00:20:41,040 --> 00:20:44,080 So it's like you're you're like the Sherpa bringing them up 375 00:20:44,080 --> 00:20:46,440 Everest, right, Like you're that you've already done it. 376 00:20:46,440 --> 00:20:49,040 You already know the route you like you can make it easier on 377 00:20:49,040 --> 00:20:52,720 you, the credit Sherpas. We're going to rebrand it here 378 00:20:52,720 --> 00:20:58,080 for you. But it it is. 379 00:20:58,080 --> 00:20:59,880 I mean, you know, it's and it's wild too. 380 00:20:59,880 --> 00:21:03,840 You talk about the education piece and like, you know, basic 381 00:21:03,840 --> 00:21:07,080 financial literacy is just not something people really are 382 00:21:07,080 --> 00:21:10,400 taught anymore. And you stay anymore. 383 00:21:10,400 --> 00:21:11,480 I'll challenge you. Ever. 384 00:21:11,480 --> 00:21:13,480 When were they ever? That's true. 385 00:21:13,480 --> 00:21:15,560 I mean. I was never taught credit 386 00:21:15,560 --> 00:21:18,520 literacy in high school or college. 387 00:21:18,520 --> 00:21:21,480 And not that I really did a lot of college, but I don't know, I 388 00:21:21,480 --> 00:21:24,280 did a lot of high school either, but I was never, ever, ever 389 00:21:24,280 --> 00:21:27,000 taught there. And it's not taught today there. 390 00:21:27,000 --> 00:21:30,440 It's, it's a parent's responsibility how it works. 391 00:21:30,440 --> 00:21:34,040 But the problem is if the parents aren't educated, how are 392 00:21:34,040 --> 00:21:37,560 they getting their kids on it? Yeah, you know, it's it's the 393 00:21:37,560 --> 00:21:40,680 Apple doesn't fall far. And if we are in a are in a 394 00:21:40,680 --> 00:21:45,560 pattern of, you know, not having great credit and financial 395 00:21:45,560 --> 00:21:48,280 literacy and financial responsibility, let's be clear, 396 00:21:48,280 --> 00:21:50,360 right? It's for the most part, it comes 397 00:21:50,360 --> 00:21:52,960 down to previous irresponsibility. 398 00:21:53,800 --> 00:21:56,080 There are certainly mistakes that happen that can be 399 00:21:56,080 --> 00:22:00,560 corrected, but a big chunk of credit issues are about 400 00:22:00,560 --> 00:22:04,760 financial irresponsibility. So that's part of the education 401 00:22:04,760 --> 00:22:09,920 too, is teaching people what to do, how to do it the right way, 402 00:22:09,920 --> 00:22:14,080 how to stay within your means and live within your budgets and 403 00:22:14,320 --> 00:22:18,120 not just get a $500 credit card and three days later you owe 404 00:22:18,120 --> 00:22:20,520 $600.00 and you're never going to pay them. 405 00:22:21,760 --> 00:22:24,640 I mean, we, that's obviously we can't fix that, right? 406 00:22:24,960 --> 00:22:28,360 Yeah. But we, we could fix. 407 00:22:28,440 --> 00:22:32,800 We could fix to have it. We could fix why you think it's 408 00:22:32,800 --> 00:22:35,480 OK And that's part of the coaching element, right? 409 00:22:35,480 --> 00:22:37,440 So it's twofold. It's kind of teaching you how 410 00:22:37,440 --> 00:22:40,440 the system works, how to live within the system so you can 411 00:22:40,440 --> 00:22:44,720 maximize yourself. I've been telling people since 412 00:22:44,720 --> 00:22:48,400 I've been selling cars, you know, you either need one or two 413 00:22:48,400 --> 00:22:50,320 things if you ever want to get somewhere in life. 414 00:22:50,320 --> 00:22:53,880 You either need access to a big bag of money or you need a big 415 00:22:53,880 --> 00:22:56,560 bag of money. It's much deeper to have good 416 00:22:56,560 --> 00:23:00,280 credit than it is to have a briefcase with $30,000 in it. 417 00:23:00,680 --> 00:23:03,720 Yeah, I haven't seen too many of those in my life. 418 00:23:03,720 --> 00:23:06,120 I've seen those thousands of people with good credit. 419 00:23:06,120 --> 00:23:11,880 So we, we rather teach you the way to get the bank to say yes, 420 00:23:11,880 --> 00:23:15,680 because at the end of the day, since the dawn of time, that's, 421 00:23:15,680 --> 00:23:18,520 that's kind of how, how everything is created, right? 422 00:23:19,040 --> 00:23:20,960 Yeah, that's how it works. Yeah. 423 00:23:21,520 --> 00:23:23,840 It's, I mean, it sounds like an amazing thing to me, especially, 424 00:23:23,840 --> 00:23:26,640 you know, on the car side, you know, to bring that conversation 425 00:23:26,640 --> 00:23:29,680 back a little bit. Much easier to have a 426 00:23:29,680 --> 00:23:32,240 conversation with someone like, hey, we have this service that 427 00:23:32,240 --> 00:23:36,840 will help you lower that interest rate from whatever the 428 00:23:36,840 --> 00:23:39,320 interest rate is that makes the car unaffordable. 429 00:23:40,160 --> 00:23:42,880 And here's and we're going to help you build a plan, right. 430 00:23:42,880 --> 00:23:45,160 Like that's, you know. That's much better. 431 00:23:45,160 --> 00:23:47,280 What it is. It's, it's the blueprint, right? 432 00:23:47,280 --> 00:23:51,440 It's we want to give people a blueprint and whether they wind 433 00:23:51,440 --> 00:23:54,040 up buying a car or not, whether they wind up buying a car from 434 00:23:54,040 --> 00:23:56,600 the car shop or not is totally irrelevant to the equation. 435 00:23:56,880 --> 00:23:59,640 Yeah, you know, it is stand alone. 436 00:23:59,640 --> 00:24:03,240 We we definitely, we see more people than most because of 437 00:24:03,240 --> 00:24:05,720 that. But at the end of the day, it's 438 00:24:05,720 --> 00:24:08,760 really just about financial freedom and financial literacy 439 00:24:10,160 --> 00:24:12,880 and the combination of those two things with our help. 440 00:24:13,280 --> 00:24:16,200 I mean, we, we've seen it. We've, we've seen people, you 441 00:24:16,200 --> 00:24:22,360 know, jump 120 points in six months and all of a sudden their 442 00:24:22,360 --> 00:24:25,760 interest rate goes from, you know, 18% to 8% and their, their 443 00:24:25,760 --> 00:24:31,600 car loan goes from $480 to $330, you know, or whatever numbers, 444 00:24:31,600 --> 00:24:36,880 but hugely different affordability pieces of the 445 00:24:36,960 --> 00:24:38,920 puzzle. For sure, Yeah, yeah, every, 446 00:24:39,000 --> 00:24:41,720 every penny counts. And even just in the case too, 447 00:24:41,720 --> 00:24:43,840 where maybe it's not an irresponsible thing. 448 00:24:43,840 --> 00:24:47,280 Like I, I remember you when I was in like my mid 20s, which 449 00:24:47,280 --> 00:24:51,640 seems like 100 years ago, and I was trying to buy my first 450 00:24:51,640 --> 00:24:55,280 house, but I had shit credit. And so I had to go through that 451 00:24:55,280 --> 00:24:58,480 process of repairing it and reaching out to credit agencies 452 00:24:58,480 --> 00:25:01,880 and, and all the, I mean, it was a very daunting, overwhelming 453 00:25:01,880 --> 00:25:05,160 task that took a lot of time and a lot of legwork. 454 00:25:05,480 --> 00:25:09,960 And but one of the problems that I had was that my name is so 455 00:25:09,960 --> 00:25:14,600 common, you know, like there's a 1000 Mike Nelson's out there. 456 00:25:14,600 --> 00:25:17,280 My father's name was Mike, you know, like the, and it was just, 457 00:25:17,400 --> 00:25:20,880 there was other Mike Nelson stuff on my credit report that 458 00:25:20,880 --> 00:25:24,720 was popping up and addresses of places I never lived at. 459 00:25:24,720 --> 00:25:28,160 And it was just that Apart alone was just a nightmare of trying 460 00:25:28,160 --> 00:25:32,280 to get get that figured out. And it's more common than you 461 00:25:32,280 --> 00:25:34,440 think, Mike. It happens all the time. 462 00:25:34,440 --> 00:25:37,640 I I same deal. I went through very similar 463 00:25:37,640 --> 00:25:41,360 situations myself. I'm not the only Ron Monaco in 464 00:25:41,360 --> 00:25:46,920 my family and just, you know, that one in correction, you 465 00:25:46,960 --> 00:25:49,680 know, especially at the other, Ron Monaco is not necessarily 466 00:25:49,680 --> 00:25:51,080 doing the right thing. Well, that's the. 467 00:25:51,080 --> 00:25:54,800 Thing those, thing those those those like Monopoly doesn't 468 00:25:54,800 --> 00:25:56,680 exist. The bank errors are never in 469 00:25:56,680 --> 00:25:59,640 your favor. Yeah, yeah, you never, you never 470 00:25:59,640 --> 00:26:04,360 get that $300,000 mortgage that your uncle paid off on New York. 471 00:26:05,560 --> 00:26:09,480 It's always the repossession that winds up popping 1000. 472 00:26:10,000 --> 00:26:15,320 Belong to you, Yeah, Yeah. So real world it's anti monopoly 473 00:26:15,320 --> 00:26:17,360 for sure. That yeah, yeah, yeah. 474 00:26:17,640 --> 00:26:20,720 So what, what are some things, you know, we'll say some some 475 00:26:20,720 --> 00:26:23,320 magic Pixie dust here for people, you know, if they're 476 00:26:23,320 --> 00:26:25,400 listening to this and they're thinking about their credit, 477 00:26:25,400 --> 00:26:28,960 like what would be some either good indicators that there is 478 00:26:28,960 --> 00:26:32,320 help for them or that, you know, simple things they can do to 479 00:26:32,320 --> 00:26:34,960 kind of help get things in line or. 480 00:26:35,520 --> 00:26:37,120 So then there's help for everybody. 481 00:26:37,120 --> 00:26:41,560 Like let's be clear, there's help for everybody and, and a 10 482 00:26:41,560 --> 00:26:46,040 minute phone call goes a long way and just looking through 483 00:26:46,040 --> 00:26:50,800 data because everybody can use a little bit of help, right? 484 00:26:50,800 --> 00:26:54,240 And, and again, even if there's no inaccuracies, even if there's 485 00:26:54,240 --> 00:27:00,320 no fraudulent anything on there, just then the counseling 486 00:27:00,320 --> 00:27:02,520 perspective of it could be of value, right? 487 00:27:02,520 --> 00:27:06,000 So, so I have nothing bad, but how do I get started 488 00:27:06,440 --> 00:27:09,240 responsibly, right? So that big piece of the puzzle 489 00:27:09,240 --> 00:27:11,280 too, people are like, oh, I have nothing, that's great. 490 00:27:11,280 --> 00:27:13,560 I can get something. And then you see somebody gets 491 00:27:13,560 --> 00:27:16,560 credit card A and then the offers start coming in, right? 492 00:27:16,560 --> 00:27:19,120 So then they take credit card B and credit card C and credit 493 00:27:19,120 --> 00:27:23,240 card D and next thing you know, they have $8000 in credit card 494 00:27:23,240 --> 00:27:26,880 debt and they make 1800 a month. And it's like, well, that wasn't 495 00:27:26,880 --> 00:27:28,920 really smart, right? But they don't know. 496 00:27:29,440 --> 00:27:33,400 So, so anybody can use help, anybody can use the counseling, 497 00:27:33,680 --> 00:27:37,760 a lot of people can use the, the corrections, which you are, but 498 00:27:37,760 --> 00:27:39,440 everybody can use the counseling. 499 00:27:40,720 --> 00:27:43,360 And it's, it's really just, it's a phone call, right? 500 00:27:43,360 --> 00:27:46,320 It, it's, it's a no obligation, it's a no cost scenario. 501 00:27:48,080 --> 00:27:50,720 See, see, see if it makes sense, see if it's a good fit. 502 00:27:50,960 --> 00:27:53,760 And if it's not a good fit, you know, we shake hands and we part 503 00:27:53,760 --> 00:27:55,640 ways. And if it is a good fit, then 504 00:27:56,200 --> 00:27:59,240 in, you know, 5 or 6 or seven months you're going to be 505 00:27:59,240 --> 00:28:01,920 celebrating saying, I can't believe you guys got my credit 506 00:28:01,920 --> 00:28:05,800 from a 580 to a 700. 100%. Yeah, that's amazing. 507 00:28:05,920 --> 00:28:10,400 That's kind of where it goes. It's well, I got to say to it, I 508 00:28:10,400 --> 00:28:13,600 know you mentioned it earlier, Chris, but about that like, you 509 00:28:13,600 --> 00:28:15,120 know, it's not completely altruistic. 510 00:28:15,120 --> 00:28:17,960 You are, you know, you are making money on, on, on what 511 00:28:17,960 --> 00:28:20,480 you're doing here, but it's, it's a business and you know, 512 00:28:20,480 --> 00:28:23,400 you're offering value and in order to keep doing what sounds 513 00:28:23,400 --> 00:28:25,920 like great work, you got to be able to sustain it. 514 00:28:25,920 --> 00:28:28,280 The only way to do that is to make money doing it right. 515 00:28:28,280 --> 00:28:30,480 So question. And by the way, it's also very 516 00:28:30,480 --> 00:28:32,440 affordable. So back to the affordability 517 00:28:32,440 --> 00:28:34,280 crisis. I mean, it's very affordable. 518 00:28:34,520 --> 00:28:39,120 Most people can get, most people can get to a place where they're 519 00:28:39,120 --> 00:28:42,360 an A tier credit like in six to nine months. 520 00:28:42,720 --> 00:28:46,560 And the full spectrum in six to nine months is typically under 521 00:28:46,560 --> 00:28:48,080 1200 bucks. OK. 522 00:28:49,280 --> 00:28:52,600 So it's not free, it's not 0. It's paid out monthly. 523 00:28:52,840 --> 00:28:57,840 It's kind of pay as you go. But usually it's about 1000 524 00:28:57,840 --> 00:29:00,160 bucks. And usually people in six to 525 00:29:00,160 --> 00:29:02,680 nine months will raise their score, you know, between 100 and 526 00:29:02,680 --> 00:29:07,400 120 points. And that that 1000 bucks is, is 527 00:29:07,480 --> 00:29:10,720 of huge value. And it's of significant savings. 528 00:29:10,840 --> 00:29:13,440 And not just savings, it's also availability, right? 529 00:29:14,480 --> 00:29:18,040 You couldn't get that mortgage at at any rate when you 530 00:29:18,040 --> 00:29:19,720 struggled when you were a kid, right. 531 00:29:20,120 --> 00:29:22,960 So it's not just the affordability, it's not just oh, 532 00:29:22,960 --> 00:29:24,560 the mortgage will be 1000 more a month. 533 00:29:24,560 --> 00:29:29,760 It's you can't get it. Yeah, versus you can get it and 534 00:29:29,760 --> 00:29:32,040 it's much cheaper. Yeah, right. 535 00:29:32,080 --> 00:29:34,040 So yeah, I'm sure it's going to save you a lot of money in the 536 00:29:34,040 --> 00:29:37,080 long run, right? For sure, 100%, no question. 537 00:29:37,560 --> 00:29:40,560 So if if people are interested in learning more, they want to, 538 00:29:40,600 --> 00:29:43,400 they want to get that phone call going, where they where do they 539 00:29:43,400 --> 00:29:46,840 find you guys? Requalify360.com. 540 00:29:47,600 --> 00:29:51,640 REQUALIF. Y360.com. 541 00:29:52,520 --> 00:29:54,960 And they can just go there, I'm sure, obviously phone numbers on 542 00:29:54,960 --> 00:29:56,640 the website. Is there a way for them to get 543 00:29:56,640 --> 00:30:00,200 started digitally? Yeah, they, they can, they can, 544 00:30:00,200 --> 00:30:03,080 they can put the, they can put the pieces in and then and then 545 00:30:03,080 --> 00:30:06,520 Ron or myself will give them a call and, and kind of go go 546 00:30:06,520 --> 00:30:08,320 forward with the initial call on the audit. 547 00:30:09,640 --> 00:30:12,360 It's not all automated because there has to be the human 548 00:30:12,360 --> 00:30:14,960 element to it. So it's not something that it's 549 00:30:14,960 --> 00:30:17,120 going to be all online and you're going to be able to fully 550 00:30:17,120 --> 00:30:18,920 hide behind the screen. I mean, you could hide behind 551 00:30:18,920 --> 00:30:21,840 the screen, but you have to at least pick up the telephone that 552 00:30:21,840 --> 00:30:23,760 again, a part of it is responsibility. 553 00:30:23,760 --> 00:30:26,880 So you have to kind of, you have to kind of say oops, I messed 554 00:30:26,880 --> 00:30:30,920 up, you know, fix it. I'm I'm sure you guys help 555 00:30:30,920 --> 00:30:34,800 assuage the anxiety of that a little bit and soften, soften 556 00:30:34,800 --> 00:30:37,720 the, you know, the humble pop sometimes neon. 557 00:30:37,840 --> 00:30:41,680 Ron's good at that. He's got the, he's got the face 558 00:30:41,680 --> 00:30:43,920 of a oh, I don't know. No, he, he's, he's nice. 559 00:30:43,920 --> 00:30:47,240 He, he, he, he's a, he's, he's the kind soul. 560 00:30:47,240 --> 00:30:49,080 So it worked out. And I, and I get it, like I 561 00:30:49,080 --> 00:30:51,880 said, I mean, I think the important thing in any business 562 00:30:51,880 --> 00:30:54,200 environment is to remember the human element. 563 00:30:54,400 --> 00:30:59,600 You know, it's it people are so used nowadays to being treated 564 00:30:59,600 --> 00:31:05,000 like a, like a ticket in line and, you know, to, to establish 565 00:31:05,000 --> 00:31:08,640 a connection with somebody. I mean, you have to be able to 566 00:31:08,640 --> 00:31:12,400 get through to somebody for them to drop their guard enough, not 567 00:31:12,400 --> 00:31:15,440 for my purpose, but for themselves. 568 00:31:15,520 --> 00:31:19,280 Until you take ownership of the mistakes that have happened or, 569 00:31:19,760 --> 00:31:24,160 you know, the misinformation or non education that you you 570 00:31:24,160 --> 00:31:26,880 haven't acquired over the years, you have to be able to admit 571 00:31:26,880 --> 00:31:30,640 that to yourself, right? Like like any program, if you 572 00:31:30,640 --> 00:31:34,040 can't take ownership of what you don't know or what you need to 573 00:31:34,040 --> 00:31:37,840 do better, then you're just setting yourself up for the next 574 00:31:37,840 --> 00:31:40,680 financial failure. So if I can get somebody to drop 575 00:31:40,680 --> 00:31:46,120 their guard and just say, Ron, this is what it is that allows 576 00:31:46,120 --> 00:31:49,720 me to go, you know, deeper to really say, OK, now we can have 577 00:31:49,720 --> 00:31:54,360 a candid conversation about what needs to get corrected, and this 578 00:31:54,360 --> 00:31:57,160 is how we do it. Guys, I, I really appreciate you 579 00:31:57,160 --> 00:31:58,520 coming on. I love what you're doing. 580 00:31:58,520 --> 00:32:00,880 I think it's amazing. You know, a lot of people need 581 00:32:00,880 --> 00:32:02,680 help, especially like you said, in the, in the current 582 00:32:02,680 --> 00:32:05,240 environment that we're in. And I think it's amazing and 583 00:32:05,240 --> 00:32:07,280 really appreciate you coming on the show and talking to our 584 00:32:07,280 --> 00:32:09,040 listeners. Likewise man, I appreciate you 585 00:32:09,040 --> 00:32:09,840 having a great goodness.