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Amelia wanted to host a webinar,
but the tool couldn't deliver. 

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00:00:03,240 --> 00:00:06,360
Zooming out, she turned to 
Webinar Key, an expert solution 

3
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for webinars with seamless setup
and intuitive design, she 

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delivered the perfect webinar. 
Webinar Key host webinars like a

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boss. 
Yeah, finance. 

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A lot of people been doing it 
the same way for the last 100 

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years, unfortunately. 
And it's, it's actually 

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surprising to me now like 
nobody's taking the Duolingo 

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approach. 
Like Duolingo is just, we love 

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that platform. 
They got 600 million users on 

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the platform teaching people how
to learn a new language in these

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short to the point learning 
modules the fastest way from A-Z

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straight line. 
And they have mastered that. 

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00:00:42,760 --> 00:00:47,240
I'm like, we need to do that. 
Welcome to The Kingdom's podcast

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00:00:47,440 --> 00:00:50,120
where growth mindset meets 
leadership and business 

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00:00:50,120 --> 00:00:52,400
insights. 
Get insights from top 

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00:00:52,400 --> 00:00:55,080
entrepreneurs, professionals and
thought leaders. 

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00:00:55,400 --> 00:00:58,920
Visit kingdomspodcast.com. 
Fuel your mind. 

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00:00:59,280 --> 00:01:00,920
Your next breakthrough starts 
here. 

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Ladies and gentlemen, you'll 
once again welcome to The 

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Kingdom's podcast. 
And today I have with me hailing

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out of Milwaukee, United States 
of America. 

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Big welcome with me, the man, 
the meat and the legend, Sean 

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Tepper. 
How old you, Sean? 

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Doing well, thanks for the 
invite. 

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Well, you hail out of Milwaukee 
and of course my Nigerian 

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brother is making waves with a 
box over there. 

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So you guys did not go that far 
this season of the NBA. 

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How do you feel about that? 
We'll, we'll see what happens. 

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I mean, over the last 10 years 
have really come around and I 

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give credit to the GM for 
recruiting quality talent 

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because going back, gosh, the 
90s and even 2000's, the Bucks 

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were not a formidable player. 
So the the leadership team over 

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there has done a great job with 
recruiting talent. 

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Really good lesson learned on 
building businesses. 

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Recruit the right people in the 
business and you can go a lot 

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further. 
So yeah, we'll see what happens.

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Well, and of course, you know, 
Speaking of our business 

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leadership, you are the founder 
and CEO or at a teacher and of 

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course you make it by way of the
right recruitment policies. 

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So let's rewind to the 
beginning. 

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What was young Sean Turner like 
and how did that element said 

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evolve into the entrepreneur 
extraordinaire that you are 

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today? 
What age you want me to go go 

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back in time to? 
Are your Ellis memories, You 

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know, and let's let's do work 
back. 

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Work back all right so as a as a
kid growing up I was always more

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independent I kind of I didn't 
really try to fit in I always 

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kind of wanted to do things my 
way so I was never one of those 

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kids chasing popularity or today
I'm sure kids are chasing you 

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know more likes or friends on 
Instagram or whatever platform 

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but yeah I always kind of wanted
to do my. 

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Generation. 
Yeah, yeah, right. 

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Like I'm a millennial, older 
millennial. 

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But yeah, I always kind of did 
my own thing. 

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I always had an interest in 
entrepreneurship. 

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I never wanted to, you know, be 
a cog in the wheel at a 

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corporate machine. 
However, I do have over a decade

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working for large corporations. 
But it was, it was really good 

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experience learning the way. 
But yeah, like I got into sports

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at a young age. 
I, I doubled down on one that I 

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knew could get me into college, 
like that could get me money. 

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For example, I, I was a swimmer,
I played baseball. 

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I tried some other sports. 
I was OK at baseball, but I was 

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actually pretty good at 
swimming. 

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And I'm like, let's go all in on
one. 

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And that did allow me to through
then through my high school 

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years is when I got faster and I
did qualify or I'd get 

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scholarship opportunities at 
Division One level here in the 

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States did take a scholarship. 
The irony is also burnt out 

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because I was doing it as like a
full time job since I was like 8

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or nine years old. 
NC Double. 

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A and NCAA, yeah, I was in, I 
was part of D1, but I wasn't Big

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10 or Big 12 or PAC10. 
Those are the big schools. 

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It was a smaller league, but 
still Division One. 

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And I quit after my first year. 
But I was looking at it from a 

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mathematics standpoint because 
tuition in the early 2000s, 

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especially at a state school in 
Wisconsin, was like, we're 

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talking like 2500 to $3000 per 
semester. 

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And I'm like, I could go make 
this times 234 no problem 

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working for somebody and still 
like, you know, enjoy more of 

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college life. 
But so that's the path I chose. 

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And, and it was really good 
experience. 

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In fact, the sports background 
actually it helps with ticker 

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today. 
Like I had a coach that was 

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really big on Team I. 
Was going to touch on that. 

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Yeah. 
That that team orientation, the 

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discipline, of course, the 
teamwork very, very important. 

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100% like I had a coach that was
all about don't just think about

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yourself, think about the team. 
And I was a little, I was pretty

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not just independent but selfish
growing up. 

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So I'd focus on what I want. 
Well, right, Like swimming is 

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more or less it is an individual
sport, but it rolls out to a 

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team where you're scoring 
points. 

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But the same thing is with 
track, very individual sport, 

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right? 
You know, it's not like the team

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sports we're all used to, like 
basketball, soccer, you know, 

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American football, list goes on.
So yeah, we today as ticker, and

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I'll go back to my back story 
shortly, But today, yeah, I 

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recruit. 
I prefer to only hire athletes. 

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And I'm serious on that because 
athletes have the discipline to 

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do the boring on repeat. 
There's a story I'll tell people

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and there's a lot of people had 
to fire from Ticker because they

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can't do the simple things on 
repeat. 

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And I'll bring up the point like
Michael Jordan used to come into

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practice 2 hours early and shoot
free throws. 

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And there are other guys his age
at the time of the that would 

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say the longest I could shoot 
free throws for is 15 minutes. 

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Well, there you go. 
That's why you'll never be the 

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best. 
So here at Ticker, it's like 

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when we hire people, we hire 
them for a specific skill set 

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and double down and just be. 
Don't be good at it to be great 

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at it. 
And people get bored after 15 

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minutes and they want to do this
and then switch to this and 

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this. 
So I look for athletes because 

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they can do the boring on 
repeats. 

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And I look for team players they
care about, not just themselves,

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but the team. 
But yeah, my background though, 

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yeah, through high school. 
And I have to admit, I was a kid

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that grew up. 
I honestly, I hated school. 

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School was very boring. 
The whole concept of sitting 

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down and staring forward and 
learning that doesn't make sense

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to me. 
There was one class I had in 

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high school where the teacher 
would literally hand us a book. 

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It was a CAD class, computer aid
design, and he'd hand us a book 

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in the first 3 minutes and then 
go look at ESPN and his laptop. 

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Each guy was great and he's 
like, if you have questions, you

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come bother me, otherwise don't 
bother me. 

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And and I loved it because you 
can learn at your own speed by 

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reading the book, implementing 
the concepts and strategies, 

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putting into practice on the 
computer. 

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And I got straight A's in these 
classes. 

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And I'm like, that's the way I 
like learning. 

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So yeah, school was not for me. 
I went to college and just kind 

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of cruise through and, you know,
passed with OK grades, but I 

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could not wait to get into the 
real world. 

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I went to school originally for 
architecture CAD and get this, 

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this will, you'll laugh at this.
So really good at really good at

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computers. 
I get to school and there are no

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computer classes on CAD. 
And I was going to a school that

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was well known for its 
architecture program, UW 

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Milwaukee. 2nd place to that 
would be U of M, that's 

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Minneapolis at Gophers. 
And in that case, like, OK, I 

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get to school, I'm ready for 
these computer aid design 

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classes. 
Let's level up my skills. 

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No computer classes. 
It was all model building and 

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drawing, which I was horrible 
at. 

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And then one of the profess, 
yeah, one of the professors was 

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like, just so you know, only the
top 10% of students in 

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architecture school actually 
going to get jobs. 

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And I look around and I'm like, 
oh, I'm in the bottom 10%. 

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I'm. 
That doesn't feel good. 

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I'm not going to find a job here
going against all these kids who

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are much more talented than me 
at model building and drawing. 

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Well, I switched to Fine Arts 
with an emphasis on film and 

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video production. 
I had aspirations of getting 

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into the movie industry or the 
TV industry and I decided to 

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stay in the Midwest. 
Question is, how does that type 

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of career transfer to the real 
world? 

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Fortunately there are ad 
agencies and marketing firms 

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everywhere, so I was able to 
quickly get a job at a mid size 

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agency with probably like 30 
employees and I learned their 

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business model in a year and 
then I created my own agency. 

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Fortunately an agency you don't 
need any manufacturing 

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equipment. 
All you really need is like a 

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computer, an Internet 
connection, a camera and you can

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start making money. 
That's high revenue. 

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Yeah, right. 
Like this was an easy business 

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to start. 
Did that for four years and and 

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that's when I figure it out. 
The service business model is 

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not for me. 
It's not scalable. 

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In order to make more revenue, 
you have to hire more people, 

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which means your profit margins 
never accelerate. 

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However, at the same time, I was
looking at SAS businesses like 

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Salesforce, MailChimp, Intuit, 
Constant Contact at the time and

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I realized the whole 
subscription reoccurring revenue

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model is where I want to be in 
around this time, this was 

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actually 2010, I was looking at 
Netflix was starting to become 

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more subscription, getting away 
from the whole mailing of the 

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DVDs concept. 
And I'm like, that is the model 

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I want, how do I create that? 
And fortunately went through a 

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merger with that first company 
in 2010 wasn't like $1,000,000 

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check was written to me. 
It was because it's a very low 

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profit margin business. 
It was all debts and liabilities

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wiped clean. 
And then I got to kind of do my 

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own thing. 
So I stayed there nine months. 

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Then I decided let's go work for
big business, get big business 

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experience. 
I started working for large 

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corporations, project management
type role. 

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And I did that. 
I plan to do it for two years. 

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That turned into 12 years and 
right in that journey though, I 

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got to manage some large 
projects. 

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I'm talking like managing 
projects between 2 million and 

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$10 million and have to deploy 
the capital in ways where it 

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00:10:22,400 --> 00:10:26,240
makes a profit a profitable. 
It's the term or the the most 

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00:10:26,240 --> 00:10:30,000
important acronym and finances 
return on invested capital 

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00:10:30,000 --> 00:10:34,600
ROICROIC. 
Yeah, where do you right? 

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00:10:34,720 --> 00:10:37,800
How do you deploy the capital to
generate the biggest return for 

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00:10:37,800 --> 00:10:39,960
the business? 
So anyway, at that same time, 

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around 2011, I got into 
investing. 

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00:10:41,840 --> 00:10:43,880
So this is where the ticker 
journey started. 

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00:10:44,320 --> 00:10:47,480
And I invested in the stock 
market using the basic tools 

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00:10:47,480 --> 00:10:50,400
that are available and, and 
whatever platforms are out 

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00:10:50,400 --> 00:10:52,600
there, which most of them are 
confusing and hard to use. 

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00:10:52,600 --> 00:10:56,120
And I did that for five years, 
maybe matching the S&P 500. 

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00:10:56,120 --> 00:11:00,080
And I wasn't happy with that. 
And I'm a big, pretty big math 

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00:11:00,080 --> 00:11:03,360
guy. 
So I knew when I kind of zoomed 

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00:11:03,360 --> 00:11:06,400
out, like Warren Buffett and the
late Charlie Munger were able to

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00:11:06,400 --> 00:11:09,200
consistently beat the market no 
problem. 

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00:11:09,240 --> 00:11:11,920
In fact, Warren Buffett has said
if he were managing 10 million 

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00:11:11,920 --> 00:11:14,960
or less on his own, he could 
make 50% per year. 

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00:11:14,960 --> 00:11:18,320
And I'm like, SMP maybe returns 
8 to 10%. 

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00:11:18,320 --> 00:11:23,440
That's quite a bold statement. 
So I knew he is not making 

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00:11:23,440 --> 00:11:25,880
decisions based on feelings or 
emotions. 

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00:11:26,120 --> 00:11:29,200
He's not a gambling man, which 
tells me he's a math guy. 

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00:11:29,720 --> 00:11:31,560
So I decided to figure out the 
math. 

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00:11:31,560 --> 00:11:34,200
I read as many books as I could,
went on the YouTube rabbit hole 

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00:11:34,680 --> 00:11:37,920
and I created an Excel sheet and
I was thinking of, hey, how do I

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00:11:37,920 --> 00:11:41,000
make this easy for myself? 
And I was like, what's the 

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00:11:41,000 --> 00:11:44,600
easiest to read rating system 
around the world? 

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00:11:44,640 --> 00:11:46,000
And I thought of the traffic 
light. 

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00:11:46,000 --> 00:11:48,280
Doesn't matter what country 
you're located in or what 

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00:11:48,520 --> 00:11:50,360
language you speak. 
Everybody kind of knows the 

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00:11:50,360 --> 00:11:53,000
whole green, yellow, red 
methodology. 

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00:11:53,000 --> 00:11:56,040
It's not hard to understand. 
So I'm like, I'm doing that. 

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So I created this Excel sheet. 
So stocks are really on sale. 

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Watch Overpriced. 
Quickly found out that only 

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about 15% of stocks in the 
market make it on sale green. 

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It's very hard to do. 
And I used that sheet for the 

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00:12:10,640 --> 00:12:15,640
next 4-5 years making returns 
between 15 and 50%. 

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00:12:15,640 --> 00:12:17,600
So I'm like, all right, I 
figured out the math. 

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00:12:17,600 --> 00:12:21,360
I figured out what Warren 
Buffett's using and in 2019 was 

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a inflection point where I 
started sharing this Excel sheet

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with a few guys just like us. 
And everybody's like, you need 

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00:12:28,080 --> 00:12:31,040
to turn this into software. 
And I was like, there we go. 

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00:12:31,080 --> 00:12:34,600
Almost 10 years later, I've got 
my software as a service idea 

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00:12:34,600 --> 00:12:38,240
with some potential legs under. 
It took a year to build the 

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00:12:38,240 --> 00:12:41,960
first version, then took six 
months to get the first paying 

239
00:12:41,960 --> 00:12:44,720
customer, which is how building 
software works. 

240
00:12:44,720 --> 00:12:46,240
You do not make money right 
away. 

241
00:12:47,160 --> 00:12:50,880
Exactly, you know, the gestation
pure can be quite you know. 

242
00:12:50,920 --> 00:12:54,040
Yeah. 
And then Fast forward to today, 

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almost five years later, we have
over 12,000 customers in above 

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50 countries. 
But that was the journey all the

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way. 
You pretty much pretty much got 

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00:13:03,560 --> 00:13:07,120
the longer version of the back 
story than anybody else so far. 

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00:13:08,160 --> 00:13:12,040
Interesting I appreciate that 
you know, you've actually won 

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00:13:12,040 --> 00:13:15,800
like so many hearts you know 
you've been AVP at a creative 

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agency, project manager, GE and 
of course you know now a SAS 

250
00:13:20,560 --> 00:13:23,160
founder. 
Each role must have shaped your 

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00:13:23,160 --> 00:13:27,880
approach to risk management and 
invest in. 

252
00:13:28,120 --> 00:13:31,240
And of course, like as a person,
what would you say your breast 

253
00:13:31,240 --> 00:13:36,360
appetite is? 
It's high, but I remind myself 

254
00:13:36,360 --> 00:13:41,040
that if I'm going to live, I 
want to, I want to live big. 

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00:13:41,120 --> 00:13:44,520
Like I, I created a business, of
course, one to solve a problem 

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00:13:44,520 --> 00:13:46,520
in the market, which is 
investing is still pretty 

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00:13:46,520 --> 00:13:48,240
complicated for most. 
And like, how do we make it 

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00:13:48,240 --> 00:13:49,200
easy? 
So we're doing that. 

259
00:13:49,200 --> 00:13:51,520
But 2 is I need a business that 
creates freedom. 

260
00:13:51,520 --> 00:13:53,720
I never want to go back to a 
service business. 

261
00:13:54,240 --> 00:13:57,120
I want a business that can make 
money in my sleep because now 

262
00:13:57,120 --> 00:13:59,640
being married, my wife and I 
really enjoy traveling and I've 

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00:13:59,640 --> 00:14:01,360
got a lot of hobbies including 
golf. 

264
00:14:02,000 --> 00:14:04,240
Not going pro anytime soon, but 
I love the game. 

265
00:14:04,280 --> 00:14:07,640
I'm a big outdoorsman, so a 
mountain biking, kayaking, like 

266
00:14:07,640 --> 00:14:10,000
I want those things. 
So that's what drives me. 

267
00:14:10,200 --> 00:14:13,920
So I'm willing to take on more 
risk because I want more reward.

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00:14:13,920 --> 00:14:17,080
A lot of people won't do that, 
but like if I'm going to live 

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00:14:17,080 --> 00:14:19,560
this life, I'm going to live it.
Seriously live it. 

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00:14:19,560 --> 00:14:22,880
I'm not selling myself short. 
I don't want to hit 70 years old

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00:14:22,880 --> 00:14:25,200
and be like, I wish I would have
done this. 

272
00:14:25,520 --> 00:14:29,080
You know, the number one most 
used word on people's deathbeds,

273
00:14:29,200 --> 00:14:31,560
the number one most used word is
regret. 

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00:14:32,560 --> 00:14:36,760
I do not want to bring that word
anywhere in my life. 

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00:14:36,760 --> 00:14:40,600
I want no regrets. 
I would be shot, you know, to, 

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00:14:40,680 --> 00:14:44,440
to have regrets, you know, and 
of course, somebody once told me

277
00:14:44,440 --> 00:14:47,960
that until you stop making money
while you're sleeping, you have 

278
00:14:47,960 --> 00:14:51,840
not started making money. 
And that really, really you know

279
00:14:51,920 --> 00:14:56,520
touched me and refined and 
received approach to the concept

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00:14:56,560 --> 00:15:01,320
of money making Abacast it's 
very important that we are able 

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00:15:01,320 --> 00:15:06,600
to make passive income and the 
only reasonable way to to get 

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00:15:06,600 --> 00:15:08,440
that done is by way of 
investment. 

283
00:15:08,760 --> 00:15:14,480
And we also need to ensure that 
we optimize the capital that we 

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00:15:14,480 --> 00:15:20,240
invest in and that is directly 
linked to how much risk we are 

285
00:15:20,320 --> 00:15:25,240
able to accommodate. 
You know, we have the risk 

286
00:15:25,240 --> 00:15:28,840
averse individuals, we have the 
risk neutrals, we have the risk 

287
00:15:28,840 --> 00:15:32,240
lovers that are like yourself. 
You know, it's pretty much a 

288
00:15:32,240 --> 00:15:36,400
continuum, but no risk, no 
reward, right? 

289
00:15:36,480 --> 00:15:39,240
That's like the stuff you've 
always talked about, making 

290
00:15:39,240 --> 00:15:42,720
investment fun, friendly, and, 
you know, fearless. 

291
00:15:43,080 --> 00:15:49,160
So you say that investing or 
could sometimes be termed as 

292
00:15:49,200 --> 00:15:52,840
overly complicated, but why do 
you think so many financial 

293
00:15:52,840 --> 00:15:56,680
platforms still confuse people 
rather than educate people when 

294
00:15:56,680 --> 00:16:00,240
it comes to investing? 
Because yeah, finance, a lot of 

295
00:16:00,240 --> 00:16:03,080
people been doing it the same 
way for the last 100 years, 

296
00:16:03,080 --> 00:16:05,760
unfortunately. 
And it's, it's actually 

297
00:16:05,760 --> 00:16:08,720
surprising to me now like 
nobody's taking the Duolingo 

298
00:16:08,720 --> 00:16:11,800
approach. 
Like Duolingo is just, we love 

299
00:16:11,800 --> 00:16:14,240
that platform. 
They got 600 million users on 

300
00:16:14,240 --> 00:16:17,720
the platform teaching people how
to learn a new language in these

301
00:16:17,720 --> 00:16:23,160
short to the point learning 
modules, the fastest way from 

302
00:16:23,160 --> 00:16:25,960
A-Z straight line. 
And they have mastered that. 

303
00:16:25,960 --> 00:16:30,320
I'm like, we need to do that, 
but in finance and very few 

304
00:16:30,320 --> 00:16:32,080
businesses are starting to take 
this on. 

305
00:16:32,080 --> 00:16:35,760
There is one in your neck of the
woods called Go Henry. 

306
00:16:36,480 --> 00:16:37,880
Go, Henry. 
Go Henry. 

307
00:16:37,880 --> 00:16:40,800
It's more focused, yeah. 
It's more focused on kids 

308
00:16:40,800 --> 00:16:44,080
though, like helping kids get 
access to credit card, teaching 

309
00:16:44,080 --> 00:16:47,480
kids how does money work, How 
does a bar like the basics of 

310
00:16:47,480 --> 00:16:51,360
how barter, A barter system 
turned into currency exchanging 

311
00:16:52,000 --> 00:16:54,480
and and really empowers kids to 
do well. 

312
00:16:54,480 --> 00:16:58,880
I'm like, that's not half bad 
learning modules like Duolingo, 

313
00:16:58,880 --> 00:17:01,240
but we're really about the stock
market. 

314
00:17:01,240 --> 00:17:03,760
So it's actually surprising that
nobody else is doing it. 

315
00:17:03,760 --> 00:17:06,280
And and this is this is a quote 
from Warren Buffett. 

316
00:17:06,280 --> 00:17:09,599
There is an innate human 
characteristic that likes to 

317
00:17:09,599 --> 00:17:15,480
make easy things complicated and
it's true for everything it is. 

318
00:17:15,480 --> 00:17:19,359
So I've had to fire people 
because they constantly make 

319
00:17:19,359 --> 00:17:21,920
things overcomplicated. 
It, it is seriously, people will

320
00:17:21,920 --> 00:17:25,599
try to make things easy and they
revert back to complicated. 

321
00:17:25,599 --> 00:17:29,840
And it's, it really comes down 
to a, a self-discipline thing of

322
00:17:29,840 --> 00:17:35,480
continuously making it easy to 
use, which we really hammer on. 

323
00:17:35,520 --> 00:17:37,800
That's we all we'll come up 
with. 

324
00:17:37,800 --> 00:17:40,560
So, you know, our design process
will come up with a concept. 

325
00:17:40,560 --> 00:17:43,640
We'll kind of put it on paper 
what kind of take it to Excel, 

326
00:17:43,640 --> 00:17:46,600
figure out the calculations on 
it, and then go through multiple

327
00:17:46,600 --> 00:17:50,560
iterations of, OK, it's easy. 
How do we make it easier? 

328
00:17:50,760 --> 00:17:54,360
How can the UIUX be even easier?
Like really dissecting things 

329
00:17:54,360 --> 00:17:57,400
and then we'll ship it to 
engineering. 

330
00:17:57,440 --> 00:18:00,680
It's not easy to do it. 
It may, it may look like you 

331
00:18:00,680 --> 00:18:03,200
look at it like a ticker is 
pretty easy to use. 

332
00:18:03,600 --> 00:18:07,720
It's a neat looking platform. 
Not my user friend. 

333
00:18:08,040 --> 00:18:10,360
Yeah, user friendly and my 
customers are saying a lot of 

334
00:18:10,360 --> 00:18:12,520
this, but it takes a lot of work
to get there. 

335
00:18:13,720 --> 00:18:15,880
Yeah, it it, you know, it does 
take a lot of work. 

336
00:18:15,880 --> 00:18:21,680
But The funny thing is I think 
it has to do with a lot of human

337
00:18:21,680 --> 00:18:24,560
psychology. 
You know, myself, I've been 

338
00:18:24,760 --> 00:18:26,880
professional services in the 
past. 

339
00:18:27,240 --> 00:18:31,120
I did work with two of the 
global big for accounting fans, 

340
00:18:31,200 --> 00:18:34,800
PWCKPMT. 
You know, I've seen, you know, 

341
00:18:34,800 --> 00:18:41,240
in my day, some clients you you 
you provide them with a solution

342
00:18:41,240 --> 00:18:45,640
in the most, you know, 
simplicities of forms and they 

343
00:18:45,640 --> 00:18:50,720
look at that solution. 
They probably don't believe in 

344
00:18:50,720 --> 00:18:53,080
it, but when you give them 
something that looks 

345
00:18:53,080 --> 00:18:56,720
complicated, they probably have 
more confidence in it. 

346
00:18:56,720 --> 00:19:00,320
And then you ask yourself, like,
what exactly is it that you know

347
00:19:00,320 --> 00:19:04,360
certain people want, right. 
So I guess it's a matter of 

348
00:19:05,120 --> 00:19:09,760
human psychology. 
So people think that the more 

349
00:19:09,760 --> 00:19:13,560
complicated would I say 
solutions sometimes are actually

350
00:19:13,560 --> 00:19:17,840
more valuable, but it just 
depends on the psychology of the

351
00:19:17,840 --> 00:19:20,440
individual. 
As for myself, I, I love things 

352
00:19:20,440 --> 00:19:23,600
and very simple. 
I, I loved the path of, you 

353
00:19:23,600 --> 00:19:27,720
know, the easiest resistance in 
terms of creating solutions to 

354
00:19:27,720 --> 00:19:31,800
problems, because life is 
actually meant to be easier by 

355
00:19:31,800 --> 00:19:33,640
the day. 
And of course, that's why I very

356
00:19:33,640 --> 00:19:38,160
much appreciate AIAI has come to
make life easier and of course, 

357
00:19:38,160 --> 00:19:42,560
make decision making accelerated
and help us with efficiency. 

358
00:19:42,760 --> 00:19:45,880
Efficiency is very, very 
important, especially in a 

359
00:19:45,880 --> 00:19:51,440
scaling of the businesses and of
course, achieve business goals 

360
00:19:51,440 --> 00:19:56,200
in, you know, record time when 
it comes to ticker, right? 

361
00:19:56,360 --> 00:20:00,120
Like how do you guys simplify 
the investor's journey, 

362
00:20:00,400 --> 00:20:04,280
especially for someone who has 
never bought a single, you know,

363
00:20:04,800 --> 00:20:07,560
stock or any form of investment 
before? 

364
00:20:08,960 --> 00:20:13,400
So kind of talk through the 
journey, our model is a 14 day 

365
00:20:13,400 --> 00:20:17,440
free trial, no credit card. 
We want to lower that barrier to

366
00:20:17,440 --> 00:20:20,760
entry as low as possible to get 
people to start using the tool. 

367
00:20:20,760 --> 00:20:24,400
And within minutes you can find 
you can get up to speed and be 

368
00:20:24,400 --> 00:20:28,040
pretty dangerous with the market
in a good way. 

369
00:20:28,160 --> 00:20:30,800
You can go from beginner to 
confident Minutes is what we 

370
00:20:30,800 --> 00:20:33,760
tell people. 
We can't guarantee it, but when 

371
00:20:33,760 --> 00:20:36,920
you join, you kind of create a 
watch list, you add stocks to it

372
00:20:36,920 --> 00:20:39,360
to kind of shows you how the 
platform works with the whole on

373
00:20:39,360 --> 00:20:41,720
sale watch overpriced 
methodology. 

374
00:20:41,720 --> 00:20:45,800
That's what you're looking for 
green and it's green, Gray, red 

375
00:20:45,800 --> 00:20:48,120
is the color coordination. 
And then you land on the 

376
00:20:48,120 --> 00:20:50,400
checklist and you don't have to 
complete it then. 

377
00:20:50,400 --> 00:20:54,120
But the checklist states that 
90% of customers that complete 

378
00:20:54,120 --> 00:20:56,800
the checklist are able to 
confidently buy and sell stocks.

379
00:20:57,440 --> 00:20:59,560
And it kind of walks you 
through, for example, if you 

380
00:20:59,560 --> 00:21:02,600
that the checks on the checklist
already done, for example, join 

381
00:21:02,600 --> 00:21:04,080
the platform. 
All right, that's done. 

382
00:21:04,080 --> 00:21:07,400
Create your first check, your 
first watch list that is done. 

383
00:21:07,840 --> 00:21:10,440
Next step is complete the 
learning modules which are 

384
00:21:10,440 --> 00:21:12,880
inspired by Duolingo. 
So that's going to have a little

385
00:21:12,880 --> 00:21:15,000
circle like how much of it is 
completed. 

386
00:21:15,000 --> 00:21:18,000
Next up, connect your broker. 
We're adding broker connections 

387
00:21:18,000 --> 00:21:20,400
as we speak. 
Prior to that it used to say 

388
00:21:20,400 --> 00:21:22,920
sign up for a broker. 
Now you can connect your broker,

389
00:21:22,920 --> 00:21:25,760
in my case that you Schwab 
automatically connected in 

390
00:21:25,760 --> 00:21:29,080
London. 
The big players are Dejiro, AJ 

391
00:21:29,080 --> 00:21:32,080
Bell, E Toro is big in Europe, 
same thing with Weeble. 

392
00:21:32,080 --> 00:21:35,600
So we're connected. 
Yeah, yeah, etoro, yeah, there's

393
00:21:35,600 --> 00:21:38,720
a lot of broker connections are,
are making it easier for people 

394
00:21:38,720 --> 00:21:41,720
to connect to ticker. 
They can see their portfolio and

395
00:21:41,720 --> 00:21:43,640
ticker automatically update 
every day. 

396
00:21:43,640 --> 00:21:46,600
So people love that. 
And then it'll move on to like 

397
00:21:46,600 --> 00:21:49,080
creating a watch list, then set 
alerts and you're done. 

398
00:21:49,080 --> 00:21:51,720
It's really easy. 
But it's like after, after you 

399
00:21:51,720 --> 00:21:55,200
complete those steps, you're off
and running and you can we tell 

400
00:21:55,200 --> 00:21:58,520
people you can go from beginner 
to confident investor in 

401
00:21:58,520 --> 00:22:02,240
typically 14 days in that trial 
period, you should know what 

402
00:22:02,240 --> 00:22:05,960
you're doing in the market, no 
problem. 

403
00:22:05,960 --> 00:22:09,320
When to buy, when to sell, how 
to reduce risk, how many stocks 

404
00:22:09,320 --> 00:22:11,560
should you hold? 
And we can talk about all this 

405
00:22:11,800 --> 00:22:14,800
if you want to get into it. 
Other one is like the difference

406
00:22:14,800 --> 00:22:17,840
between wealth building mode and
wealth protection mode tickers 

407
00:22:17,840 --> 00:22:20,520
wealth building, but also wealth
protection depending on what 

408
00:22:20,520 --> 00:22:22,200
your strategy is, what your age 
is. 

409
00:22:22,400 --> 00:22:27,520
But it walks you through all 
that in simple term, you know. 

410
00:22:27,840 --> 00:22:32,240
The confidence booster feature, 
it's actually powered by Open 

411
00:22:32,360 --> 00:22:34,600
AI. 
So how, how does it work? 

412
00:22:34,600 --> 00:22:38,640
And like what kind of feedback 
have you gotten from your users?

413
00:22:39,400 --> 00:22:41,440
Yeah. 
So we're proud of this feature. 

414
00:22:41,440 --> 00:22:45,840
So thankfully there's a guy out 
there by the name of Phil Town. 

415
00:22:46,120 --> 00:22:50,000
He's based at the Atlanta, GA 
area and he's been in the hedge 

416
00:22:50,000 --> 00:22:53,080
fund industry for years. 
And he came up with a 

417
00:22:53,080 --> 00:22:55,440
methodology that's really 
inspired off Warren Buffett. 

418
00:22:55,440 --> 00:22:59,120
It's called the four Ms. You've 
got the the mass part or what 

419
00:22:59,480 --> 00:23:01,120
what he calls the margin of 
safety. 

420
00:23:01,120 --> 00:23:03,720
We call it the same thing that 
encompasses everything math 

421
00:23:03,880 --> 00:23:08,120
related when picking stocks. 
The second M is the meaning. 

422
00:23:08,120 --> 00:23:10,680
That's the business model. 
How many revenue streams does a 

423
00:23:10,680 --> 00:23:13,360
business have and how scalable 
are those revenue streams? 

424
00:23:13,640 --> 00:23:16,680
The third M is the most, how 
does the business compared to 

425
00:23:16,680 --> 00:23:20,040
the competition. 
The last M, that 4th M is the 

426
00:23:20,040 --> 00:23:21,480
management. 
That's the track record of the 

427
00:23:21,480 --> 00:23:24,560
CEO. 
Doing homework on all four could

428
00:23:24,560 --> 00:23:27,240
take you hours, if not days of 
research. 

429
00:23:27,280 --> 00:23:29,080
Like if you're an analyst on 
Wall Street, that's going to 

430
00:23:29,080 --> 00:23:32,280
take you a long time. 
We reduce it down to seconds. 

431
00:23:32,760 --> 00:23:35,000
Thanks. 
With the help with Open AI. 

432
00:23:35,000 --> 00:23:37,840
In fact, you can log in, look at
any stock, and in most cases 

433
00:23:37,840 --> 00:23:41,000
you'll see the four M score if 
it's been produced by users 

434
00:23:41,280 --> 00:23:43,360
because that score is a 
Crowdsource feature. 

435
00:23:43,360 --> 00:23:46,280
For example, if you complete it,
I'm going to see the score you 

436
00:23:46,280 --> 00:23:48,640
got and if I complete it, I'm 
going to see a similar score and

437
00:23:48,640 --> 00:23:50,440
that'll show the average between
us. 

438
00:23:50,920 --> 00:23:53,560
The reason is in that Moat 
section, it picks a few other 

439
00:23:53,560 --> 00:23:56,880
businesses to compare against 
the compares against 4. 

440
00:23:56,880 --> 00:24:01,240
So it kind of rank orders and 
you know, it's gamified like 

441
00:24:01,240 --> 00:24:03,080
Duolingo. 
It's it's a fun experience, but 

442
00:24:03,080 --> 00:24:05,040
it can take you about a minute 
to get through the form 

443
00:24:05,040 --> 00:24:07,400
experience per stock. 
But again, you don't have to do 

444
00:24:07,400 --> 00:24:08,880
it if you see the score there 
already. 

445
00:24:08,880 --> 00:24:12,960
So yeah, it's it's powerful. 
In fact, we tell people when to 

446
00:24:12,960 --> 00:24:16,720
buy is when you find an on sale 
stock, it's green and that four 

447
00:24:16,720 --> 00:24:21,560
M scores 80 or higher, getting 
to 80 or higher out of 100 scale

448
00:24:22,120 --> 00:24:25,160
is really hard to do, really 
hard to do. 

449
00:24:25,200 --> 00:24:27,960
In that case, you've no 
financial advice here, but that 

450
00:24:27,960 --> 00:24:30,320
would be considered a buying 
opportunity. 

451
00:24:32,240 --> 00:24:38,120
You know, a lot of people are 
very skeptical, especially about

452
00:24:38,120 --> 00:24:41,600
the stock markets, you know, 
because there's been a history 

453
00:24:41,600 --> 00:24:46,920
of people using and Dallasly, 
you know the market. 

454
00:24:47,360 --> 00:24:54,440
So why is just the case? 
You know that phobia, right, for

455
00:24:54,800 --> 00:24:58,200
the stock market? 
And what's the biggest myth that

456
00:24:58,200 --> 00:25:01,720
needs to be busted into these 
worlds? 

457
00:25:02,800 --> 00:25:04,800
There's a lot of to unpack 
there. 

458
00:25:04,800 --> 00:25:07,720
We'll get into it. 
So the skepticism totally get 

459
00:25:07,720 --> 00:25:09,120
it. 
Yeah, that is an issue. 

460
00:25:09,120 --> 00:25:12,680
So you know, we teach people the
difference between investing and

461
00:25:12,680 --> 00:25:15,160
trading and get this, I'm going 
to ask you a question here in a 

462
00:25:15,160 --> 00:25:18,640
second. 99% of traders lose 
money in the market. 

463
00:25:18,760 --> 00:25:22,080
We are focused on investing and 
it's specifically called a style

464
00:25:22,080 --> 00:25:23,760
investing called value 
investing. 

465
00:25:23,760 --> 00:25:25,760
That's Warren Buffett style, 
which is essentially 

466
00:25:26,160 --> 00:25:29,680
understanding the financials, 
the fundamentals of the business

467
00:25:30,160 --> 00:25:33,800
and making sure it's valued 
significantly higher than the 

468
00:25:33,800 --> 00:25:35,520
share price. 
For example, if you find a share

469
00:25:35,520 --> 00:25:41,240
price at $100 and a fair value 
is what we one of the many 

470
00:25:41,320 --> 00:25:43,800
things we calculate. 
Let's say the fair value is at 

471
00:25:43,800 --> 00:25:45,800
200. 
That's a 50% discount. 

472
00:25:45,800 --> 00:25:47,960
It's like going to the grocery 
store and buying a gallon of 

473
00:25:47,960 --> 00:25:50,560
milk. 
It's listed at 5 bucks, but that

474
00:25:50,560 --> 00:25:55,720
5 is crossed off and it's listed
for now $2.50 or in your case 

475
00:25:56,320 --> 00:25:59,160
$2.50 pounds. 
Pounds. 

476
00:25:59,840 --> 00:26:03,080
Pounds, yes, so we. 
OK. 

477
00:26:03,080 --> 00:26:04,720
I was just going to chip this 
in. 

478
00:26:04,720 --> 00:26:08,800
You know, a lot of people 
weren't going into investing do 

479
00:26:08,800 --> 00:26:13,560
not like take into cognizance 
like the necessary investment 

480
00:26:13,560 --> 00:26:15,840
ratios. 
So let's take for example, the 

481
00:26:15,840 --> 00:26:20,000
price of earnings of the entity 
that you're investing in. 

482
00:26:20,400 --> 00:26:25,240
Like these are very important, 
you know, metrics to analyze in 

483
00:26:25,240 --> 00:26:27,280
order to make a well informed 
decision. 

484
00:26:27,280 --> 00:26:31,360
So I'd like for you to 
incorporate that in your your 

485
00:26:31,360 --> 00:26:34,600
what I say response and analysis
about the situation. 

486
00:26:35,240 --> 00:26:39,600
So we actually teach people and 
these are actual cited facts off

487
00:26:39,600 --> 00:26:41,760
of Investopedia. 
Great resource. 

488
00:26:42,080 --> 00:26:46,080
The P to E ratio and the P to B 
ratio, that's price to earnings 

489
00:26:46,080 --> 00:26:50,040
ratio and then price to book 
ratio are both misleading and 

490
00:26:50,040 --> 00:26:53,200
I'll get into that. 
So whether a PDE ratio is high 

491
00:26:53,200 --> 00:26:57,000
or low can be good or bad. 
So how do you make a decision? 

492
00:26:57,000 --> 00:27:00,400
Well, you can't make a decision.
And unfortunately that ratio and

493
00:27:00,400 --> 00:27:03,080
the P2B have been used for close
to 100 years. 

494
00:27:03,080 --> 00:27:06,840
I say close to not quite. 
And these days, that's not how 

495
00:27:06,840 --> 00:27:10,480
you value businesses. 
Thankfully, Phil Towne and some 

496
00:27:10,480 --> 00:27:13,560
of his books provided the 
correct math, which is to look 

497
00:27:13,560 --> 00:27:17,320
at the EPS is the number one 
most important line on the 

498
00:27:17,320 --> 00:27:19,920
financial statements. 
That's earnings per share, 

499
00:27:20,400 --> 00:27:22,400
essentially profits of the 
company. 

500
00:27:22,720 --> 00:27:25,000
You want to make sure the 
profits of the company are not 

501
00:27:25,000 --> 00:27:28,800
flat and not going down. 
They're increasing quarter over 

502
00:27:28,800 --> 00:27:32,000
quarter. 
We do that not just EPS, which 

503
00:27:32,000 --> 00:27:34,960
is the number one metric. 
We also look at revenue, net 

504
00:27:34,960 --> 00:27:38,920
income, free cash flow, assets, 
equity. 

505
00:27:39,360 --> 00:27:41,360
Then there's a few lines you 
want to see decreasing, which 

506
00:27:41,360 --> 00:27:44,760
include liabilities, which is 
biggest liability is payroll and

507
00:27:44,760 --> 00:27:46,720
you have debts. 
Biggest debt is typically bank 

508
00:27:46,720 --> 00:27:47,840
loans. 
You want to see those going 

509
00:27:47,840 --> 00:27:50,000
down, but everything else you 
want to see going up quarter 

510
00:27:50,000 --> 00:27:52,640
over quarter, those are the 
metrics to look at. 

511
00:27:52,640 --> 00:27:56,880
So in our site or blog, we have 
open source calculations so 

512
00:27:56,880 --> 00:27:59,440
people can use, they can go 
create their own version of 

513
00:27:59,440 --> 00:28:02,560
ticker for personal use. 
In fact, we encourage it because

514
00:28:02,560 --> 00:28:05,360
we we are the only platform on 
the market that's transparent. 

515
00:28:05,440 --> 00:28:08,880
We do have a patent on these 
algorithms and these processes. 

516
00:28:08,880 --> 00:28:11,680
But again, personal use all day,
do your thing. 

517
00:28:12,280 --> 00:28:15,040
But people appreciate that 
because they'll read and it's an

518
00:28:15,040 --> 00:28:18,040
eye opening experience when they
see, oh wow, the PDE ratio is 

519
00:28:18,040 --> 00:28:19,680
actually misleading. 
It is. 

520
00:28:19,720 --> 00:28:22,480
And thankfully Investopedia is 
the source. 

521
00:28:22,840 --> 00:28:25,200
They did their homework and then
and then we did our fact 

522
00:28:25,200 --> 00:28:26,960
checking on that. 
It, it makes total sense. 

523
00:28:26,960 --> 00:28:29,520
P to B is there's a few more 
numbers in the equation, but 

524
00:28:29,520 --> 00:28:31,600
it's the same thing. 
Good or high or low. 

525
00:28:31,600 --> 00:28:35,240
P to B can be good or bad, 
higher low PDE can be good or 

526
00:28:35,240 --> 00:28:36,640
bad. 
You can't make a decision. 

527
00:28:37,880 --> 00:28:42,400
And of course, you know that 
aside from just the financial 

528
00:28:42,400 --> 00:28:48,000
basis for making these 
decisions, it's very, very 

529
00:28:48,000 --> 00:28:53,800
important to have your own or 
would I say independent health 

530
00:28:53,800 --> 00:28:56,840
check when it comes to these 
companies. 

531
00:28:56,840 --> 00:29:01,160
And there's something I to say, 
revenue is vanity, profit is 

532
00:29:01,160 --> 00:29:04,760
sanity and Cautious Inc. 
And of course, if you wish 

533
00:29:04,800 --> 00:29:08,760
cautious reality, it's actually 
very important for companies to 

534
00:29:08,760 --> 00:29:15,200
have a consistent and sustained 
continued positive whereas net 

535
00:29:15,200 --> 00:29:19,720
positive or cash flows, right. 
And that actually shows the 

536
00:29:19,720 --> 00:29:25,720
ability to meet with, when I say
obligations, both in the short 

537
00:29:25,720 --> 00:29:28,200
term and of course, the long 
term. 

538
00:29:28,520 --> 00:29:32,520
You should be investing in 
companies that have a proven 

539
00:29:32,520 --> 00:29:36,480
track record over time to 
demonstrate liquidity and 

540
00:29:36,640 --> 00:29:39,520
solvency. 
So I'd like for you to touch on 

541
00:29:39,520 --> 00:29:41,120
that. 
Yeah. 

542
00:29:41,120 --> 00:29:42,800
Well, that's kind of what I just
touched on. 

543
00:29:42,800 --> 00:29:44,240
And those are some of the lines 
we look at. 

544
00:29:44,240 --> 00:29:47,440
For example, I'll get into the 
numbers here if anybody's really

545
00:29:47,520 --> 00:29:49,320
a math nerd like me. 
So you have the three 

546
00:29:49,320 --> 00:29:52,320
statements, you've got the 
income statements, then the cash

547
00:29:52,320 --> 00:29:53,720
flow statement and then the 
balance sheet. 

548
00:29:53,720 --> 00:29:57,240
On the income statement. 
We look at 3 lines, revenues, 

549
00:29:57,320 --> 00:30:00,760
net income and EPS. 
Net income and EPS are very 

550
00:30:00,760 --> 00:30:02,480
similar. 
If you ever look at those in a 

551
00:30:02,480 --> 00:30:05,560
chart, the numbers like we 
should in bar chart format, 

552
00:30:05,560 --> 00:30:10,160
they're going to be very similar
because EPS is just net income 

553
00:30:10,160 --> 00:30:12,920
divided by outstanding shares. 
That's the the difference. 

554
00:30:13,120 --> 00:30:15,440
So that's sheet one. 
Sheet 2 is the cash flow 

555
00:30:15,440 --> 00:30:17,480
statement. 
We look at one line, which is 

556
00:30:17,480 --> 00:30:19,840
free cash flow. 
And like you said, you want to 

557
00:30:19,880 --> 00:30:22,640
have a lot of cash available 
because you can buy other 

558
00:30:22,640 --> 00:30:23,160
businesses. 
Oh. 

559
00:30:23,960 --> 00:30:25,320
Yeah. 
Yeah, absolutely. 

560
00:30:25,320 --> 00:30:28,080
You can buy other businesses. 
You can invest more in marketing

561
00:30:28,080 --> 00:30:30,520
and sales. 
You can hire more people a lot 

562
00:30:30,520 --> 00:30:32,040
faster. 
It's a great place to be. 

563
00:30:32,400 --> 00:30:35,000
Then on the last sheet, we look 
at 4 lines. 

564
00:30:35,000 --> 00:30:40,520
Look at the assets equity. 
Yeah, it'd be assets, equity, 

565
00:30:40,520 --> 00:30:43,440
liabilities and debts. 
And you want to see the assets 

566
00:30:43,440 --> 00:30:47,480
and equity increasing, 
liabilities and debts flat or 

567
00:30:47,480 --> 00:30:49,400
decreasing. 
Ideally you want to pay off 

568
00:30:49,400 --> 00:30:51,960
those bank loans. 
And in some cases, you want, you

569
00:30:51,960 --> 00:30:54,880
don't want to fire people, but 
if they can remain flat, like 

570
00:30:54,880 --> 00:30:57,600
for example, if you see your 
liabilities flat, like you have 

571
00:30:57,600 --> 00:31:01,320
100 people in the business, but 
your revenues and your profits 

572
00:31:01,320 --> 00:31:04,840
are skyrocketing, that's the 
type of business you want. 

573
00:31:04,840 --> 00:31:07,080
But if you got a business that 
you're increasing the revenue 

574
00:31:07,440 --> 00:31:09,840
and the liabilities increase at 
the same rate, that's like my 

575
00:31:09,840 --> 00:31:13,240
first business, that agency, 
it's not a scalable business. 

576
00:31:14,440 --> 00:31:17,920
So those are the, it's 8 lines 
on the financial statements. 

577
00:31:18,080 --> 00:31:22,080
And we look at the growth 
quarter over quarter, over 16 

578
00:31:22,080 --> 00:31:25,600
quarters maximum, two quarters 
minimum. 

579
00:31:25,640 --> 00:31:28,760
And the two, I say, because 
there are IPO stocks that 

580
00:31:28,760 --> 00:31:32,680
recently go public, they don't 
always give us the history of 

581
00:31:32,680 --> 00:31:34,640
their financials when they were 
private. 

582
00:31:34,640 --> 00:31:37,760
They don't have to by law. 
It has to be when they go public

583
00:31:37,760 --> 00:31:39,520
from that day forward. 
But it's kind of nice when a 

584
00:31:39,520 --> 00:31:43,280
business goes public and gives 
us a few quarters of financial 

585
00:31:43,280 --> 00:31:46,480
statements because then we can 
use those to calculate the 

586
00:31:46,480 --> 00:31:49,440
scores in ticker. 
But that's, that's really the 

587
00:31:49,440 --> 00:31:51,840
just of it. 
That's the math at a high level.

588
00:31:52,360 --> 00:31:55,080
And it's a lot of calculus that 
puts everything together. 

589
00:31:55,080 --> 00:31:56,880
But those are the things we look
at. 

590
00:31:57,120 --> 00:31:59,880
Stop talking in one second. 
We do have another tab called 

591
00:31:59,880 --> 00:32:02,680
ratios. 
It's kind of a nice to have, not

592
00:32:02,680 --> 00:32:06,040
need to have, but there people 
can look at like the return on 

593
00:32:06,040 --> 00:32:09,840
assets, return on equity, return
on invested capital, the net 

594
00:32:09,840 --> 00:32:13,520
profit margin, the P to B and 
the P to E are on there. 

595
00:32:13,520 --> 00:32:17,480
But we do give the little flags 
to let people know like hey high

596
00:32:17,480 --> 00:32:20,480
or low, it can be good or bad. 
But here you go if you want the 

597
00:32:20,480 --> 00:32:23,800
numbers. 
You know, we've actually focused

598
00:32:23,800 --> 00:32:26,760
a lot, a lot on the quantitative
analysis. 

599
00:32:26,760 --> 00:32:30,560
Is there any form of qualitative
analysis you know as well that 

600
00:32:30,560 --> 00:32:35,240
goes into this decision making 
model? 

601
00:32:36,280 --> 00:32:38,200
Yeah. 
So that's what that 4M tool, 

602
00:32:38,200 --> 00:32:41,440
everything in Ticker is 
quantitative because fortunately

603
00:32:41,680 --> 00:32:44,640
publicly traded companies, as 
you know, all their data is 

604
00:32:44,640 --> 00:32:47,560
public and we source it from two
data providers. 

605
00:32:47,560 --> 00:32:51,160
They just give us raw data sets.
We process like a million data 

606
00:32:51,160 --> 00:32:52,960
points a day. 
Actually, it's a few million 

607
00:32:52,960 --> 00:32:56,280
data, data points per day 
pulling from these two 

608
00:32:56,280 --> 00:32:57,400
providers. 
And then we run all the 

609
00:32:57,400 --> 00:33:00,320
calculations on whatever stock 
you like, whether it's Apple, 

610
00:33:00,320 --> 00:33:02,880
Tesla, Palantir, the list goes 
on. 

611
00:33:03,440 --> 00:33:07,040
Now with the qualitative, that's
the non math as we know. 

612
00:33:07,240 --> 00:33:11,240
That's where that M confidence 
booster comes into play. 

613
00:33:11,240 --> 00:33:15,920
That's it looks at not just a 
few ratios like return on 

614
00:33:15,920 --> 00:33:18,840
invested capital, return on 
equity, return on assets, but it

615
00:33:18,840 --> 00:33:22,920
actually gives us its own rating
and as a very rigorous prompting

616
00:33:22,920 --> 00:33:26,120
we had to engineer took about 
six months of trial and error 

617
00:33:26,600 --> 00:33:29,400
and it kind of rolls everything 
up to provide a score that's 

618
00:33:29,400 --> 00:33:32,280
that zero to 100 want to be over
80. 

619
00:33:32,560 --> 00:33:34,480
It looks at the qualitative 
factors. 

620
00:33:34,480 --> 00:33:38,360
For example, we ask it and one 
of the questions is, hey, how 

621
00:33:38,360 --> 00:33:42,240
would you rate the scalability 
of XYZ business? 

622
00:33:42,440 --> 00:33:45,160
And it's looking at the number 
of revenue streams in the 

623
00:33:45,160 --> 00:33:47,680
business and how scalable those 
revenue streams are. 

624
00:33:47,680 --> 00:33:50,320
For example, do the revenues and
profits increase faster than the

625
00:33:50,320 --> 00:33:53,360
liabilities? 
So in like that's really hard to

626
00:33:53,360 --> 00:33:55,440
do manually. 
Like if I would ask you, hey, 

627
00:33:56,560 --> 00:33:59,080
XYZ stock, how many revenue 
streams does it have and how 

628
00:33:59,080 --> 00:34:01,080
scalable are they? 
Well, guess what, you got to go 

629
00:34:01,080 --> 00:34:03,520
to Google, you got to go to this
platform that you got to put it 

630
00:34:03,520 --> 00:34:07,000
all together and and fortunately
Ticker does it in seconds and 

631
00:34:07,040 --> 00:34:09,520
gives you a score on that 
specific metric. 

632
00:34:10,840 --> 00:34:15,120
Well, nothing short of 
fantastic, you know that is this

633
00:34:15,280 --> 00:34:21,199
would I say debate, ongoing 
debate in the market space, you 

634
00:34:21,199 --> 00:34:25,560
know, when comparing different 
investment vehicles or so to 

635
00:34:25,560 --> 00:34:29,120
speak. 
So we have cost talks, we've got

636
00:34:29,159 --> 00:34:33,880
ETFs and even a crypto. 
So for persons that are just 

637
00:34:33,880 --> 00:34:36,480
starting out like what's the 
advice? 

638
00:34:36,960 --> 00:34:39,560
Yeah, yeah. 
Again, no financial advice here,

639
00:34:39,560 --> 00:34:41,080
but I'll break everything in a 
category. 

640
00:34:41,080 --> 00:34:45,000
So when you join Ticker, one of 
the first educational articles, 

641
00:34:45,000 --> 00:34:47,960
and this is one thing I didn't 
mention, is when you join every 

642
00:34:47,960 --> 00:34:50,719
day over like 30 days, you get a
new investing tip. 

643
00:34:51,120 --> 00:34:55,400
Now if you'd like, you can skip 
each of the emails, you can just

644
00:34:55,400 --> 00:34:57,960
read them all in one go on our 
site because they're all listed 

645
00:34:57,960 --> 00:35:00,520
there. 
Tip 1234 in a list and for 

646
00:35:00,520 --> 00:35:02,440
example, the first one is 
investing for trading. 

647
00:35:02,440 --> 00:35:05,680
The second one I believe is 
wealth building mode verse 

648
00:35:05,680 --> 00:35:08,760
wealth protection. 
Now a lot of people get confused

649
00:35:08,760 --> 00:35:12,840
about the difference between 
stocks, ETFs, index funds, and 

650
00:35:12,840 --> 00:35:15,520
mutual funds. 
Stocks are for wealth building 

651
00:35:15,520 --> 00:35:18,600
mode. 
Now, what we mean by that is if 

652
00:35:18,600 --> 00:35:23,240
you have a timeline to retire 
that's five years out or more, 

653
00:35:23,760 --> 00:35:26,520
you should be in individual 
stocks, 10 to 15 stocks. 

654
00:35:26,520 --> 00:35:29,880
For example, Warren Buffett, how
did he make his first million? 

655
00:35:29,880 --> 00:35:33,400
He had a private investment 
company that was investing in 

656
00:35:33,400 --> 00:35:36,720
about 10 stocks. 
So that's why we tell people 

657
00:35:36,720 --> 00:35:39,520
about 10 to 15 stocks. 
That's where you want to be. 

658
00:35:39,520 --> 00:35:42,360
That's a sweet spot. 
Now, when you start nearing 

659
00:35:42,360 --> 00:35:45,480
financial independence or 
retirement, then you want to 

660
00:35:45,480 --> 00:35:48,760
consider moving to an ETF, index
fund, or mutual fund. 

661
00:35:48,760 --> 00:35:51,320
Essentially, it's the same 
product. 

662
00:35:51,360 --> 00:35:55,480
It's just a group of stocks, 
sometimes bonds and stocks, but 

663
00:35:55,480 --> 00:36:00,880
the best returns you're going to
get are about 8 to 10% per year.

664
00:36:01,080 --> 00:36:03,680
Typically ticker while building 
mode. 

665
00:36:03,680 --> 00:36:06,120
We tell people we can't 
guarantee it, but we tell people

666
00:36:06,120 --> 00:36:09,720
you should be arriving between 
15 and 50% per year. 

667
00:36:09,720 --> 00:36:13,360
For example, my returns averaged
over the last 10 years plus 

668
00:36:13,360 --> 00:36:18,920
around 3035% somewhere in there.
So, and it's not, it's not hard 

669
00:36:18,920 --> 00:36:21,560
to do you know, definitely 
outpacing the market without a 

670
00:36:21,560 --> 00:36:25,320
lot of effort. 
Now getting into index funds, 

671
00:36:25,360 --> 00:36:27,480
ETFs and mutual funds will give 
you the differences between 

672
00:36:27,480 --> 00:36:28,520
these. 
So people know and then we'll 

673
00:36:28,520 --> 00:36:32,320
jump over to crypto. 
So index funds and ETFs have an 

674
00:36:32,400 --> 00:36:36,640
expense ratio of about one 
point, I should say .1%. 

675
00:36:36,640 --> 00:36:39,480
So what does that mean? 
Just for holding it? 

676
00:36:39,520 --> 00:36:44,120
You are charged a certain dollar
amount, in this case point 1% 

677
00:36:44,200 --> 00:36:47,560
for just holding the product. 
With stocks, you don't have an 

678
00:36:47,560 --> 00:36:51,520
expense ratio, so they're 
roughly the same price just to 

679
00:36:51,520 --> 00:36:54,800
hold it in your portfolio. 
Mutual funds on the other hand, 

680
00:36:54,800 --> 00:36:58,160
same product, but the expense 
ratio is not .1%. 

681
00:36:58,160 --> 00:37:03,160
It can be as high as .5 to 2.5. 
It's very expensive. 

682
00:37:03,440 --> 00:37:07,120
What you're paying for is more 
people managing the mutual fund 

683
00:37:07,480 --> 00:37:10,000
if you want that, and you have 
more Peace of Mind because 

684
00:37:10,000 --> 00:37:12,240
there's more people touching it 
and you can get on the phone 

685
00:37:12,240 --> 00:37:15,360
with them and be like, hey, what
stocks are in this mutual fund? 

686
00:37:15,360 --> 00:37:18,160
If you don't feel like looking 
it up online, fine, teach their 

687
00:37:18,160 --> 00:37:20,880
own. 
But like I tell people usually 

688
00:37:20,880 --> 00:37:23,000
go with ETFs or index funds 
because you're going to get the 

689
00:37:23,000 --> 00:37:24,960
same returns. 
Now, the difference between 

690
00:37:24,960 --> 00:37:28,240
index funds and ETFs, there's 
one big major difference. 

691
00:37:29,320 --> 00:37:33,880
It's called intraday pricing. 
So when you buy an ETF, let's 

692
00:37:33,880 --> 00:37:37,520
say at 1:00, 1:00 PM on a 
Tuesday, you're going to get the

693
00:37:37,520 --> 00:37:40,280
price at 1:00 PM on that 
Tuesday. 

694
00:37:40,640 --> 00:37:43,680
Now, with an index fund, you 
don't get it at 1:00 PM. 

695
00:37:43,680 --> 00:37:46,040
You have to wait for it to get 
to the end of the day and then 

696
00:37:46,040 --> 00:37:47,880
you get the end of the day 
price. 

697
00:37:47,880 --> 00:37:51,800
Even if you bought it at 1:00 
PM, does it really matter? 

698
00:37:51,920 --> 00:37:55,440
No, because you're getting the 
same returns over time. 

699
00:37:56,120 --> 00:37:59,400
So those are the differences 
between stocks, ETS, index funds

700
00:37:59,400 --> 00:38:00,960
and mutual funds. 
Crypto. 

701
00:38:01,440 --> 00:38:04,160
We have crypto and ticker, but 
you cannot calculate where 

702
00:38:04,600 --> 00:38:08,080
crypto is going because there is
no income statement, cash flow 

703
00:38:08,080 --> 00:38:11,440
statement and balance sheet. 
However, we do have it in the 

704
00:38:11,440 --> 00:38:13,840
tool because we do have tracking
mechanisms. 

705
00:38:13,840 --> 00:38:16,600
So you can keep track of it. 
You can also set alerts on it. 

706
00:38:16,600 --> 00:38:22,080
It's all in one clean location 
and we tell people with crypto 

707
00:38:22,080 --> 00:38:24,440
and their other financial 
institutions that say the same 

708
00:38:24,440 --> 00:38:28,320
thing is try to go 5% or less of
your net worth in crypto. 

709
00:38:28,320 --> 00:38:30,160
It is highly speculative, of 
course. 

710
00:38:30,440 --> 00:38:33,480
That's how. 
Yeah, yeah, you can't calculate 

711
00:38:33,480 --> 00:38:37,760
it, but if you want a small 
percentage, go 5% or less. 

712
00:38:37,760 --> 00:38:41,200
I've heard of too many people 
though, they'll take a second 

713
00:38:41,200 --> 00:38:44,800
mortgage out on their home and 
go all in on some small crypto 

714
00:38:44,800 --> 00:38:46,840
coin. 
It's like it's just a losing 

715
00:38:46,840 --> 00:38:48,560
situation. 
Very, very stupid. 

716
00:38:51,160 --> 00:38:55,040
A very, very risky gamble, but I
think one reason why I like the 

717
00:38:55,080 --> 00:38:58,920
ETFs is the diversification of 
the portfolio. 

718
00:38:59,120 --> 00:39:03,680
It's kind of makes it people 
safer pretty much or or would I 

719
00:39:03,680 --> 00:39:06,800
say relatively safer. 
Is there a minimum amount that 

720
00:39:06,800 --> 00:39:10,840
you know the average person 
needs to begin investing you 

721
00:39:10,840 --> 00:39:14,520
know with meaningfully or is 
that a myth? 

722
00:39:16,600 --> 00:39:19,040
So we tell people we use 
analogy. 

723
00:39:19,040 --> 00:39:22,200
It's like jumping into the deep 
end of a swimming pool, like 

724
00:39:22,280 --> 00:39:23,600
your first time when you're a 
little kid. 

725
00:39:23,600 --> 00:39:26,320
It's really scary. 
After you do it the first time, 

726
00:39:26,320 --> 00:39:30,720
you realize this is not so bad. 
So we tell people start with 

727
00:39:30,720 --> 00:39:34,440
like between 100 and $1000 and 
just buy a few stocks. 

728
00:39:34,440 --> 00:39:38,040
The only objective at that point
is to just become educated using

729
00:39:38,040 --> 00:39:40,720
Ticker and then get some 
confidence by buying your first,

730
00:39:41,040 --> 00:39:44,440
second, or third stock. 
After that first step in that 

731
00:39:44,440 --> 00:39:50,920
first month, the next step is 
try to invest between 15 and 30%

732
00:39:50,920 --> 00:39:53,200
of your income. 
Now if you can't get there, 

733
00:39:53,200 --> 00:39:56,080
that's fine. 
Start small and work your way 

734
00:39:56,080 --> 00:39:57,600
out. 
But if you can arrive at that 

735
00:39:57,920 --> 00:40:02,000
range, 15 to 30%, you go out 
five years with compound 

736
00:40:02,000 --> 00:40:04,040
interest, you go out 10 years. 
And this is on individual 

737
00:40:04,040 --> 00:40:06,680
stocks. 
Like for example, and I have the

738
00:40:06,680 --> 00:40:10,120
numbers like we can do an Excel 
sheet side by side, but you will

739
00:40:10,120 --> 00:40:12,960
make twice the amount of money 
going to individual stocks over 

740
00:40:12,960 --> 00:40:16,080
10 years compared to an index 
fund, ETF or mutual fund. 

741
00:40:16,080 --> 00:40:19,760
The fact that I know 20 year 
olds, 30 year olds and 40 year 

742
00:40:19,760 --> 00:40:22,880
olds that are piling into index 
funds, ETF and mutual funds. 

743
00:40:23,640 --> 00:40:24,960
You get the wrong tool for the 
job. 

744
00:40:24,960 --> 00:40:27,000
I mean, that's fine. 
Like you were stating that it 

745
00:40:27,000 --> 00:40:29,240
protects your wealth. 
Keep it there. 

746
00:40:29,720 --> 00:40:33,600
Maybe go 20% into a bundled 
product. 

747
00:40:33,600 --> 00:40:36,240
But I would like if you feel 
like you're behind and most 

748
00:40:36,240 --> 00:40:39,480
people do feel like they're 
behind, you want to accelerate 

749
00:40:39,480 --> 00:40:41,920
that process. 
Warren Buffett style investing, 

750
00:40:42,440 --> 00:40:45,440
10 to 15 stocks. 
It's still diversified enough, 

751
00:40:45,440 --> 00:40:47,880
but still at the same time 
focused enough so you can get 

752
00:40:47,880 --> 00:40:50,880
those bigger returns and put 
yourself in a much better 

753
00:40:50,880 --> 00:40:52,440
position. 
For example, I got a friend of 

754
00:40:52,440 --> 00:40:54,160
mine here. 
I'll I'll stop talking here. 

755
00:40:54,920 --> 00:41:00,720
He has made about an average 
salary in the she's about 55 

756
00:41:01,520 --> 00:41:05,160
average salary making about 50 
thousand $60,000 a year. 

757
00:41:05,160 --> 00:41:10,360
Just an assistant at a business 
and her dad taught her to invest

758
00:41:10,360 --> 00:41:14,000
in a focused portfolio of stocks
and find stocks with a strong 

759
00:41:14,000 --> 00:41:16,800
balance sheet. 
He didn't have Ticker, but he is

760
00:41:17,200 --> 00:41:20,000
is teachings are in line with 
Ticker. 

761
00:41:20,200 --> 00:41:24,480
But her Apple stock now on its 
own, it's over $1,000,000 and 

762
00:41:24,480 --> 00:41:27,680
she's making an average salary 
because she had the discipline. 

763
00:41:27,680 --> 00:41:31,360
She just put a little bit into 
Apple every paycheck and she's 

764
00:41:31,360 --> 00:41:33,960
got a few other stocks she 
shared with me. 

765
00:41:33,960 --> 00:41:35,640
But I've got dozens of stories 
like that. 

766
00:41:35,640 --> 00:41:37,760
People that don't have big 
income and they've got a multi 

767
00:41:37,760 --> 00:41:42,080
$1,000,000 portfolio because of 
the discipline of 15 to 30% into

768
00:41:42,080 --> 00:41:43,760
a few individual stocks. 
It is. 

769
00:41:43,760 --> 00:41:47,160
Seriously, if you haven't heard 
the phrase compound interest is 

770
00:41:47,360 --> 00:41:49,680
the eighth wonder of the world. 
There's. 

771
00:41:50,600 --> 00:41:53,520
How's your rationale? 
I, I was actually waiting to to 

772
00:41:53,520 --> 00:41:57,320
to mention that because that was
Albert Einstein's statement. 

773
00:41:57,680 --> 00:42:01,000
Yeah, correct. 
He said our compound interest is

774
00:42:01,000 --> 00:42:03,120
the 8th, you know, a wonder of 
the world. 

775
00:42:03,200 --> 00:42:09,840
And are you able to to explain 
how that strategy, right, is 

776
00:42:09,840 --> 00:42:12,680
able to help those people who 
feel left behind, right. 

777
00:42:12,960 --> 00:42:18,360
And of course, what they can do 
to have a meaningful retirement 

778
00:42:18,720 --> 00:42:25,360
adopting the eight one of them. 
Yeah, So this this is one thing 

779
00:42:25,360 --> 00:42:29,360
I'm really passionate about, 
which is helping people get back

780
00:42:29,840 --> 00:42:33,960
on the right track, get the 
amount of people losing sleep 

781
00:42:34,240 --> 00:42:36,360
every day and the stress around 
money. 

782
00:42:36,360 --> 00:42:38,680
Get this. 
These are statistics from CNBC 

783
00:42:38,680 --> 00:42:42,800
and it's pulled from a user base
in the US, so doesn't have 

784
00:42:43,080 --> 00:42:48,960
London or the UK involved. 
But get this, it's over 50% of 

785
00:42:48,960 --> 00:42:52,920
people are. 
What is it financially stressed 

786
00:42:53,360 --> 00:42:58,000
And 70% are not on track to 
retire by their targets. 

787
00:42:58,000 --> 00:43:03,360
Retirement age, which in most 
cases in the States is 6570% are

788
00:43:03,360 --> 00:43:06,600
behind. 
Only 30% are on track. 

789
00:43:07,200 --> 00:43:09,880
So what do you do? 
Well, option A, you can get a 

790
00:43:09,880 --> 00:43:13,720
second or third job, no thanks 
to that, right? 

791
00:43:14,000 --> 00:43:18,120
Or option B, why not make your 
money just work harder for you? 

792
00:43:19,040 --> 00:43:21,520
Start to deploy some of that 
capital you have sitting in 

793
00:43:21,520 --> 00:43:24,320
those funds. 
Power down in your 4O1K, keep 

794
00:43:24,320 --> 00:43:26,640
your 4O1K moving. 
That's fine, especially if you 

795
00:43:26,640 --> 00:43:29,000
got a company match. 
Let's start moving more capital 

796
00:43:29,000 --> 00:43:31,920
into individual stocks. 
And if you want a little help, 

797
00:43:31,920 --> 00:43:34,480
talk to a financial advisor. 
In fact, we're starting to see 

798
00:43:34,480 --> 00:43:38,120
more financial advisors using 
Ticker coupled with their 

799
00:43:38,120 --> 00:43:40,760
strategy. 
Wealth protection mode is what a

800
00:43:40,760 --> 00:43:43,360
financial advisor's job is. 
Most people don't know that 

801
00:43:43,360 --> 00:43:45,280
they're not going to build your 
wealth, they're not going to 

802
00:43:45,280 --> 00:43:47,160
build your business and they're 
not going to Polish your resume.

803
00:43:47,160 --> 00:43:49,560
They're not going to pick 
individual stocks for you. 

804
00:43:49,560 --> 00:43:51,720
That's not their business models
to protect your money. 

805
00:43:51,720 --> 00:43:55,480
So they'll, they'll go like 20%,
Thirty percent, 40 percent, 50% 

806
00:43:55,480 --> 00:43:58,160
protection mode, sometimes as 
high as 80. 

807
00:43:58,520 --> 00:44:02,000
And then let's move some of that
into wealth building mode, 

808
00:44:02,000 --> 00:44:05,320
individual stocks. 
And that's where again, they 

809
00:44:05,320 --> 00:44:07,120
don't know. 
They're not stock picking. 

810
00:44:07,120 --> 00:44:10,280
Their job is, I mean, all day 
they're talking to people, 

811
00:44:10,520 --> 00:44:12,120
they're a fiduciary, that's 
their job. 

812
00:44:12,120 --> 00:44:16,840
So then they'll use Ticker and 
empower their customers to just 

813
00:44:16,840 --> 00:44:18,120
use a platform. 
Here you go. 

814
00:44:18,440 --> 00:44:21,760
Use a percentage of your income,
use Ticker, deploy that capital 

815
00:44:21,760 --> 00:44:24,360
and start accelerating. 
We can track it together. 

816
00:44:26,800 --> 00:44:30,960
You know our Speaking of Tikar, 
you guys are now in 50 plus 

817
00:44:30,960 --> 00:44:35,200
countries and of course with 
over 12,000 customers, what was 

818
00:44:35,200 --> 00:44:38,480
the hardest part of scaling up 
globally? 

819
00:44:39,960 --> 00:44:43,200
So a lot of my experience 
especially at big business and 

820
00:44:43,200 --> 00:44:45,760
this is how big businesses grow 
so fast is through channel 

821
00:44:45,760 --> 00:44:49,600
partners. 
You can do YouTube ads, Facebook

822
00:44:49,600 --> 00:44:53,840
ads, Google ads, you can do SEO,
you can whatever marketing 

823
00:44:53,840 --> 00:44:56,280
strategy you think is cute. 
Like people can do that. 

824
00:44:56,280 --> 00:44:59,440
And we do generate about 17% of 
our leads from our YouTube 

825
00:44:59,440 --> 00:45:04,400
channel, another 17% from SEO. 
But that's not where it comes 

826
00:45:04,400 --> 00:45:06,800
from. 
The majority come comes from 

827
00:45:06,920 --> 00:45:08,560
other businesses, channel 
partners. 

828
00:45:08,920 --> 00:45:13,360
So we partner with other fintech
businesses that serve retail 

829
00:45:13,360 --> 00:45:17,080
investors, bloggers that talk 
about finance or investing 

830
00:45:17,240 --> 00:45:20,200
Youtubers, other Youtubers that 
talk about finance or investing,

831
00:45:20,240 --> 00:45:22,760
other influencers. 
You know, that's a great 

832
00:45:22,760 --> 00:45:25,360
marriage and we we do a Rev 
share with them. 

833
00:45:25,360 --> 00:45:27,160
So it creates a win win. 
But you look at how big 

834
00:45:27,160 --> 00:45:29,960
businesses grow so quickly. 
That's essentially what they're 

835
00:45:29,960 --> 00:45:32,600
doing is they're partnering with
other businesses and how do we 

836
00:45:32,600 --> 00:45:36,680
get to 1,000,000 people in one 
day, 10 million people in one 

837
00:45:36,680 --> 00:45:39,120
day. 
Our model is the same thing. 

838
00:45:39,120 --> 00:45:42,200
So it took a long time because 
you got to get your product. 

839
00:45:42,200 --> 00:45:44,200
If you're building software, you
have to get to your product 

840
00:45:44,200 --> 00:45:48,600
maturity, something that you 
know, users are happy to use 

841
00:45:48,600 --> 00:45:52,160
their, they feel empowered, it's
got a good look and feel it save

842
00:45:52,160 --> 00:45:55,080
some time, make some money. 
But then on the business side, 

843
00:45:55,080 --> 00:45:57,760
it's got to be a positive 
reflection on their brand. 

844
00:45:57,760 --> 00:46:00,120
If you come out of the gates 
with an ugly looking software 

845
00:46:00,120 --> 00:46:03,400
and want to partner with XYZ 
business and that business has a

846
00:46:03,400 --> 00:46:06,440
million users, they're going to 
be a little apprehensive with 

847
00:46:06,440 --> 00:46:10,640
sharing your tool. 
So it took, I mean, we're, we're

848
00:46:10,640 --> 00:46:13,800
now starting to get to some big 
partnership opportunities, but 

849
00:46:13,800 --> 00:46:16,440
it's 4 1/2 years. 
Not too many people would 

850
00:46:16,840 --> 00:46:19,200
continue grinding away to get 
big partnerships. 

851
00:46:19,200 --> 00:46:22,840
We're talking like exposure to 
millions of people we're facing 

852
00:46:22,840 --> 00:46:26,360
here. 
And it, it takes a long time. 

853
00:46:26,360 --> 00:46:29,040
It, it's a grind. 
It's like big grind, you know? 

854
00:46:30,000 --> 00:46:33,480
The grind, you know, when you 
look at what is reaching behind 

855
00:46:33,480 --> 00:46:36,640
me, it says it's not over when 
you lose, it's over when you 

856
00:46:36,640 --> 00:46:39,880
quit. 
You know quitters don't mean and

857
00:46:40,680 --> 00:46:42,240
don't quit. 
That's good, so. 

858
00:46:42,920 --> 00:46:46,680
Very, very important, you know, 
to us founders, you know, I'm a 

859
00:46:46,680 --> 00:46:50,720
founder myself and you know, I 
always keep that at the back of 

860
00:46:50,720 --> 00:46:53,040
my mind. 
You know, a lot of people quit 

861
00:46:53,040 --> 00:46:55,920
too early before their 
breakthrough. 

862
00:46:56,600 --> 00:46:59,560
So you actually host your own 
partners as well. 

863
00:46:59,560 --> 00:47:01,560
Payback time. 
How's that helped? 

864
00:47:02,000 --> 00:47:05,400
You know your personal brand and
your professional brand. 

865
00:47:06,720 --> 00:47:10,360
Did some good homework on me. 
However, this little snippet is 

866
00:47:10,360 --> 00:47:13,360
actually a little old. 
So I did decide to shut down 

867
00:47:13,360 --> 00:47:16,200
Payback time. 
We found payback Time, which was

868
00:47:16,200 --> 00:47:18,720
a pot, I'll keep it short for 
your audience was really a 

869
00:47:18,720 --> 00:47:21,680
podcast on helping people build 
businesses. 

870
00:47:21,680 --> 00:47:25,000
And over 3 1/2 four years, I 
actually didn't generate any 

871
00:47:25,000 --> 00:47:28,160
leads for Ticker or any 
partnership opportunities. 

872
00:47:28,600 --> 00:47:31,280
And I found it was actually 
getting in the way of me because

873
00:47:31,280 --> 00:47:34,880
I'm the main sales guy reaching 
out to partners, right? 

874
00:47:34,880 --> 00:47:37,240
It's one of those deals where 
you got to like, you got to cut 

875
00:47:37,240 --> 00:47:40,320
things out of your schedule that
are getting in the way of what 

876
00:47:40,320 --> 00:47:43,240
really matters. 
And so the podcast had to go. 

877
00:47:43,240 --> 00:47:47,000
If if anything were to happen to
Ticker, for example, were to 

878
00:47:47,000 --> 00:47:50,600
sell to a large financial 
institution, the immediate next 

879
00:47:50,600 --> 00:47:52,720
step I was, I would do is 
probably create a venture 

880
00:47:52,720 --> 00:47:54,640
capital firm and just help 
startups. 

881
00:47:54,640 --> 00:47:58,560
I'd probably do mentoring, but I
probably spin up payback time or

882
00:47:58,560 --> 00:48:01,560
version of it, maybe rebranded 
or something because I loved it.

883
00:48:01,560 --> 00:48:04,000
I loved it as a great way to 
network like what you're doing. 

884
00:48:04,000 --> 00:48:07,320
It's a beautiful business, but 
again, it just never translated 

885
00:48:07,320 --> 00:48:11,320
to an ROI to Ticker, so that's 
why shut it down. 

886
00:48:11,320 --> 00:48:13,960
Now. 
However, we do have the Ticker 

887
00:48:13,960 --> 00:48:17,000
YouTube channel and all the 
content I produce for that. 

888
00:48:17,080 --> 00:48:20,680
We actually create an audio 
version and launch it on Top 

889
00:48:20,680 --> 00:48:22,960
Stocks, which is a podcast we 
have. 

890
00:48:22,960 --> 00:48:26,520
So it's just the recycled 
YouTube content in audio format 

891
00:48:26,960 --> 00:48:29,680
that came as requests because 
some people are like driving to 

892
00:48:29,680 --> 00:48:31,920
work or doing something. 
They're like, Sean, I can't 

893
00:48:31,920 --> 00:48:34,680
watch YouTube. 
How do I listen, right? 

894
00:48:35,000 --> 00:48:39,440
You probably get the same thing.
Right, How do I get so so I'm 

895
00:48:39,440 --> 00:48:41,040
hybrid, you know, I'm on 
YouTube. 

896
00:48:41,160 --> 00:48:45,440
I'm also on Spotify, Apple 
Podcasts, Amazon Podcasts, 

897
00:48:45,800 --> 00:48:48,000
basically we're available almost
everywhere. 

898
00:48:48,000 --> 00:48:52,360
So you pick your option, pick 
your poison video, audio, we 

899
00:48:52,360 --> 00:48:53,720
serve away. 
And of course, I think I love 

900
00:48:53,720 --> 00:48:55,760
Spotify for the fact that 
they're hybrid. 

901
00:48:56,080 --> 00:48:59,920
You can actually choose the the 
video or audio option. 

902
00:48:59,920 --> 00:49:04,240
And of course, YouTube, YouTube 
Music also is that option. 

903
00:49:04,520 --> 00:49:07,640
You choose whether you want the 
audio or the I love hybrid 

904
00:49:08,160 --> 00:49:11,960
models. 
You know, in terms of, you know,

905
00:49:11,960 --> 00:49:15,560
your leadership legacy, when 
it's all said and done, what do 

906
00:49:15,560 --> 00:49:21,680
you want to be remembered for? 
Gosh, I would say really making 

907
00:49:21,680 --> 00:49:25,520
a positive impact on people, 
especially financial outlook. 

908
00:49:25,640 --> 00:49:28,720
You know, they always, what is 
it health and wealth are like 

909
00:49:28,720 --> 00:49:31,600
right up there with the the two 
things people are really focused

910
00:49:31,600 --> 00:49:35,480
on a lot and it can cause a lot 
of stress if you're not healthy,

911
00:49:35,480 --> 00:49:37,600
What do you want more than 
anything to be healthy? 

912
00:49:38,200 --> 00:49:39,880
And if you don't have money, 
what do you want more than 

913
00:49:39,880 --> 00:49:43,480
anything, you want money. 
So to ease that stress, again, 

914
00:49:43,480 --> 00:49:46,280
I'm surprised not a lot of 
people are doing it like we are.

915
00:49:46,280 --> 00:49:49,400
Yes, there's a lot of Youtubers 
and people talking about finance

916
00:49:49,400 --> 00:49:52,600
and giving some good advice and 
some not so good advice. 

917
00:49:52,600 --> 00:49:55,840
But like we're going a step 
further and providing the actual

918
00:49:55,880 --> 00:49:59,080
tool. 
Like here you go low barrier to 

919
00:49:59,080 --> 00:50:01,080
entry. 
I actually didn't give prices 

920
00:50:01,080 --> 00:50:04,400
before and and this just saves 
people a ton of time where 

921
00:50:04,400 --> 00:50:07,560
prices are in line with Netflix.
It's like starts at 15 bucks a 

922
00:50:07,560 --> 00:50:11,960
month or 99 a year to get into 
the base tier and people really 

923
00:50:11,960 --> 00:50:14,160
appreciate that our competitors 
around the same price. 

924
00:50:14,160 --> 00:50:16,280
It's like you want to make this 
easy to use. 

925
00:50:16,280 --> 00:50:20,920
Of course, if you're looking at 
this from the UK, you're going 

926
00:50:20,920 --> 00:50:23,920
to see pounds. 
You have a a tool called paddle.

927
00:50:23,920 --> 00:50:26,120
I won't go into detail, but it 
converts the pricing based on 

928
00:50:26,120 --> 00:50:28,200
where you're located. 
So it makes it a global tool, 

929
00:50:28,200 --> 00:50:30,640
not a not AUS tool. 
That's a lesson I learned 

930
00:50:30,640 --> 00:50:33,640
working for GE is create global 
software. 

931
00:50:33,640 --> 00:50:36,400
Don't just create AUS software. 
But anyway, that's that's a 

932
00:50:36,400 --> 00:50:39,280
legacy I want to leave really 
made a positive impact on people

933
00:50:39,280 --> 00:50:42,280
specifically around the topic of
finance. 

934
00:50:43,320 --> 00:50:48,160
Oh, wow, I, I, I love that 
positive impact is statement or 

935
00:50:48,480 --> 00:50:52,600
what I say a compound word that 
is very, very dear to my heart. 

936
00:50:52,640 --> 00:50:56,160
And let's go through the quick 
fire round. 

937
00:50:56,160 --> 00:50:58,640
I have a quick fire round 
questions for you. 

938
00:50:59,320 --> 00:51:01,600
Fun and fast. 
Are you ready to rumble? 

939
00:51:02,000 --> 00:51:03,160
I'm ready, Rock. 
Let's do it. 

940
00:51:03,800 --> 00:51:05,360
OK. 
So number one was the first 

941
00:51:05,360 --> 00:51:08,120
stock you ever bought and how 
did you perform? 

942
00:51:09,280 --> 00:51:12,840
First stock I ever bought was 
actually PayPal and that had 

943
00:51:12,840 --> 00:51:16,000
performed very well over the 
years, but that is my one dud in

944
00:51:16,000 --> 00:51:19,280
My Portfolio as we speak out of 
10 stocks I hold. 

945
00:51:19,280 --> 00:51:22,640
But I'm still very bullish on it
because it's a payment tech 

946
00:51:22,640 --> 00:51:26,240
platform, highly scalable 
business and their new CEO over 

947
00:51:26,240 --> 00:51:28,400
the last year has been making 
wise choices. 

948
00:51:28,400 --> 00:51:32,480
So I'm I'm very bullish over the
long term on PayPal. 

949
00:51:32,480 --> 00:51:34,960
I am bullish on PayPal. 
It's something that is going to 

950
00:51:35,400 --> 00:51:38,440
continue to stay relevant. 
You know for the first year if 

951
00:51:38,480 --> 00:51:42,720
you you need to write out the 
troughs to get to the peaks. 

952
00:51:42,960 --> 00:51:46,480
You know number 21 book that 
changed your financial mindset 

953
00:51:46,480 --> 00:51:50,280
forever. 
Probably going back almost 10 

954
00:51:50,280 --> 00:51:52,960
years, I read Good to great for 
the first time. 

955
00:51:52,960 --> 00:51:56,560
I was like, that was the first 
really impactful book. 

956
00:51:56,560 --> 00:52:00,120
I of course read the whole list 
of Hot One friends and influence

957
00:52:00,120 --> 00:52:02,320
people and. 
And Richard Cornell. 

958
00:52:03,840 --> 00:52:09,600
Yeah, the usual suspects, but 
yeah, good to great was yeah, 

959
00:52:10,160 --> 00:52:13,360
good book I read. 
I've got bookshelves all around 

960
00:52:13,360 --> 00:52:16,000
the room you can't see, but like
I'm always trying to consume 

961
00:52:16,000 --> 00:52:18,720
some kind of marketing sales 
leadership. 

962
00:52:19,640 --> 00:52:21,920
I love that grin up. 
My mom used to say read as a 

963
00:52:21,920 --> 00:52:27,880
leader and I think I agree. 
With that good advice, yeah. #3 

964
00:52:27,880 --> 00:52:30,720
ice cream or golf to unwind? 
What's your go to? 

965
00:52:32,560 --> 00:52:35,560
Did you say ice cream? 
Yeah, or golf. 

966
00:52:36,160 --> 00:52:40,240
I oh gosh, can I say both? 
Or leave A twist. 

967
00:52:40,560 --> 00:52:42,920
There you go. 
It you know what it would, it 

968
00:52:42,920 --> 00:52:46,200
would make golf much more 
difficult because managing 

969
00:52:46,200 --> 00:52:48,600
melting ice cream out there on a
hot, sunny day. 

970
00:52:48,960 --> 00:52:53,280
So I'm all about experiences. 
Of course I love ice cream, but 

971
00:52:53,920 --> 00:52:57,280
I got to go with I love playing 
golf and I love being out there 

972
00:52:57,280 --> 00:52:59,040
with friends. 
So golf is the winner. 

973
00:52:59,840 --> 00:53:03,360
OK, there you go #4 what's one 
thing people assume about 

974
00:53:03,360 --> 00:53:09,160
investing that drives you crazy?
They'll say the market is rigged

975
00:53:10,320 --> 00:53:14,200
and and my response to that is, 
no, you're not seeing what 

976
00:53:14,200 --> 00:53:17,680
they're looking at, which is 
again, profits is #1 if you 

977
00:53:17,680 --> 00:53:20,840
literally just follow profits, 
in most cases, you're going to 

978
00:53:21,360 --> 00:53:24,000
make a positive return. 
So many people over complicated.

979
00:53:24,000 --> 00:53:25,960
The market's not rigged. 
We're looking at profits. 

980
00:53:25,960 --> 00:53:28,560
And I work for big business 
businesses and I was in those 

981
00:53:28,560 --> 00:53:30,000
boardrooms. 
Guess what they're talking about

982
00:53:30,000 --> 00:53:32,520
every quarter? 
Profits where the profits. 

983
00:53:32,760 --> 00:53:35,200
Profit is sanity, you know. 
Yeah. 

984
00:53:35,920 --> 00:53:37,640
Are they increasing quarter over
quarter? 

985
00:53:37,640 --> 00:53:39,080
That's it. 
It's not complicated. 

986
00:53:40,800 --> 00:53:45,120
So #5 If Teeker had a theme 
song, what would he be and why? 

987
00:53:47,000 --> 00:53:52,360
Oh man, I got to go to my one of
my favorite songs. 

988
00:53:52,360 --> 00:53:55,280
Thanks to my parents for getting
me into 70's rock. 

989
00:53:55,280 --> 00:53:58,240
Peter Frampton. 
Do you feel like I do almost a 

990
00:53:58,240 --> 00:54:00,760
15 minute song? 
If you if you know it, you know 

991
00:54:00,760 --> 00:54:04,600
it goes out there, then know it.
I, I need to find that song. 

992
00:54:04,800 --> 00:54:07,800
I need to find that song, you 
know, but we've actually come to

993
00:54:07,840 --> 00:54:12,120
the end of today's episode. 
I always say that an attitude of

994
00:54:12,120 --> 00:54:17,720
gratitude is good attitude and 
the SI unit for measuring life 

995
00:54:17,720 --> 00:54:20,000
is time. 
So if somebody shares their time

996
00:54:20,000 --> 00:54:21,280
with you to share their life 
with you. 

997
00:54:21,280 --> 00:54:25,360
So thank you today for sharing 
your time, your life educated 

998
00:54:25,360 --> 00:54:27,680
and of course, inspiring us on 
the platform. 

999
00:54:28,000 --> 00:54:34,040
Love and respect to you all the 
way to your side of the pond for

1000
00:54:35,400 --> 00:54:38,080
wishing you the very, very best 
in all of your endeavors. 

1001
00:54:38,080 --> 00:54:41,440
So do you want to leave a shout 
out to anybody? 

1002
00:54:41,440 --> 00:54:44,600
And of course, please advise our
audience on the right thing to 

1003
00:54:44,600 --> 00:54:48,480
do in terms of disseminating the
valuable information. 

1004
00:54:49,600 --> 00:54:53,880
Always leave it with two things 
at the end of a podcast #1 is 

1005
00:54:53,880 --> 00:54:55,920
you can. 
If you want to learn more about 

1006
00:54:55,920 --> 00:55:01,120
Ticker, just go to ticker.com, 
tykr.com and then I'm very 

1007
00:55:01,120 --> 00:55:04,640
active on LinkedIn. 
Sean Tepper, easy to find. 

1008
00:55:05,280 --> 00:55:06,800
Yeah. 
Any questions there, reach out. 

1009
00:55:07,920 --> 00:55:10,520
OK, Thank you very much. 
And of course audience, you know

1010
00:55:10,520 --> 00:55:13,720
what to do. 
Share, like subscribe, share 

1011
00:55:13,800 --> 00:55:18,240
with your network basically. 
And of course, until I see you 

1012
00:55:18,240 --> 00:55:20,920
again, stay out of trouble and 
be good guys.