 Happy Monday evening, I'm sitting in the office. Everyone is gone for the day. And I'm sitting here thinking about how can I help you? I'm in the studio, as you guys can probably see. I'm going the opposite direction though. That's the camera, one of the cameras we use, that's Dylan's desks and monitors and iMac. That's a little basketball, a little bitty inside basketball goal, branded aprecination style. I'm sitting in the office hanging out and I wanna know what kind of content you guys like to see. I wanna do two things right now. I wanna answer any question that you have and anything you ask, I'll answer. And I also wanna know what type of content you want to see because like, not only do we do the shows a lot, like we put out a lot of content to help agents but we're also doing the, we're doing these virtual live shows as well. Like every 30 to 60 days, we did the call to close. We had about 30 actually sign up to be on that and be a part of that and watch that. That was a three hour deep dive Thursday night, this Thursday night from five to seven. So I would have already been halfway through five to seven for two hours, five to seven central. We're doing it on prospecting 101. I'm a big believer that insurance agents struggle because they struggle to get in front of people. So I wanna know, are there any questions that you have? How can I help? What type of content do you wanna see? What should we be doing? What should we do in differently? What do you like that we do? What do you not like that we do? I mean, we get so many haters, we get a ton of positivity and when you get a ton of positivity, you're gonna naturally get some negativity. So don't even bother me anymore. It's like literally you get so much. That's one thing that's like a message, right? That you need to be so strong in the market. You need to be so committed to helping people that you're gonna repel some people, you know? Like, yeah, I feel like I'm helping people and that I'm always focused on helping people and I'm doing everything I can. But there's times where I'm going to repel someone. Like not everyone is gonna like everything I say, right? So, and that takes a little bit to learn. Like that's not normal. It makes you feel a little awkward at first. You know, like why are these people hating on me, right? Well, dude, that's just part of the game. The more people you help, the more people that see your stuff, the more attention you get, the more value you bring to your market, the more people are gonna love you and hate on you. So, where are you guys at? Post in comments right now in the live chat where you're located. I got some allergies going on, so I keep rubbing my nose. Obviously you guys know I'm in Springfield, Missouri about 45 minutes. I wanna know in comments where you are watching from. They hate us cause they ain't us. What's up Tony G? 8% bro. I'm in Harlingen, Texas. John, I love it man. I love it. Obviously you guys know me. I may or may not know. I'm in Springfield, Missouri. At a Starbucks in Houston, Texas. What's up Ricardo? Down in Texas, man. I know a little thing about Starbucks, right? Little Starbucks, I've had, don't tell anybody but I've had two of these today, right? And coffee. You guys ask, how are you so freaking crazy? That's, you know what? That's part of it Ricardo. I'm in Springfield. Springfield is in the southwest part of Missouri. It's about 45 minutes north of Branson. Sal, Philly up in Philadelphia, Pennsylvania. What's up, what's up? Thanks for chiming in. Thanks for letting us know where you're from. What are some, now that I know where you guys are from, what do you like about what we do? By the way, I got my ticket for Thursday's event. Thank you Ricardo. Dude, Thursday's gonna be good. I'm gonna drop some major nuggets. Like I'm gonna spend two hours with you guys. Dropping some major freaking nuggets. That's prospecting what I promise you. You'll pay 47 bucks, but you'll get $47,000 worth of value and you'll probably make an additional 470 grand that you would have never made because of that $47 event. So that's gonna be good. As you guys know, I haven't done the little lives like this outside of the shows for the last several weeks. Like I've been crazy busy. We're adding more events, right? So we've got like, I'm trying to do as much as I possibly can to help this industry. So I've got a private virtual live this week on the 11th. I've got a free live training in Dallas. So if you're in Dallas, it's free, right? For two hours on prospecting and marketing and sales training for free. We've got the retreat in Arizona, which sold out. That's the beginning of May. We've got, I'm gonna be going to Houston, San Antonio and Austin in May to do a free live training. I'll be, we're doing another retreat in June that we haven't even released yet. It's gonna be in Tampa. Well, we need more tax reduction tips. I'm talking, the life exam this Saturday and already paid a CPA to form my LLC. Dude, I love it, man. I love it, I love it, Ricardo. Dude, that's big, man. Welcome to the industry, bro. Thanks, buddy, man. I'm just here to help, man. I love doing my part. I wanna do more, man. I'm four hours from San Antonio and five from Austin. By the way, I'm originally from Austin. I love it. Dude, I'm a big Cowboys fan, John. I'll be in Austin, San Antonio and I don't even have my calendar on me. I don't even know. I think I'll be there like May. This is a guess, 14th, 15th, 16th. Does that sound right? It's like a Tuesday, Wednesday, Thursday night. In each, in each, in each, I will definitely buy your leads, dude, Ricardo. Thank you so much, buddy. And we're also doing another virtual live in June, or no, July, July. I'll be in Arizona again twice. I'll be in Arizona May and June after that we'll have 8% nation at the end of July. Like I'm all about now about creating these events to help people. I love the events, man. Will you send email alerts regarding the live training? Yes. Oh, well, you talking about this Thursday nights or the free one down in San Antonio, Austin? Cause we should, we should. I don't know if we've sent any for the Dallas one or not because it's kind of been more pro, more, we've just been advertising and getting people there. We've, free ones. Yeah, yeah. Okay, so I'll make sure we do. If you haven't heard anything by the end of the month, reach back out to me, John. You can always email me, Cody at Codyaskins.com. That's the easiest email. Yo, Cody, did you finish college? What did you study? Yeah, so I went to Baptist Bible College. Thanks for the, thanks for the Q and A. I went to Baptist Bible College. Little Bible College in the north side of Springfield. That's where I made 100 grand my first year in the business. I was in college playing basketball. I feel like dropping out. I feel like school is not for me. Dude, I didn't, I gotta be careful saying this. I didn't learn a ton that I was able to apply to this career because I was already making 100 grand while I was in school. And that's pretty rare, right? That's not normal. I got a business management degree. Major in business, minor in biblical studies and a double major in basketball. It's kind of a side joke that I always say. But yeah, I, it wouldn't play basketball. A lot of athletics. I wish I had, honestly, that's a regret. Like we've all got, yeah, I like it. We've all got regrets. Thank you, Tony G, for recognizing that. We've all got regrets. Like my regret was not, Cody, what sales books would you recommend for agents who have some experience not new Rev Payton? What's up, what's up? Thanks for the question. Ooh, so, okay, so CC, when I think about like getting experience and becoming a vet, I eventually start going more mindset. Like for new agents, you need to be listening to like, you know, you need to be listening to Art of Closing the Cell. Why didn't you drop out if you were already making more money than your degree offered if you attained a job? Never said this on video, but my parents actually paid for my college. And I tried to pay them. I tried to pay them for it. I tried to just, I was making 117 grand at eight months. Like I was making, you know, 10, 12 grand a month. I tried to pay it for it, but they wanted to. So what's the first thing I should do after getting my license next week? Welcome to the industry. The first thing you should do is write down, you should go to this prospecting 101. It's Thursday night. It's $47. I'm not like pimping something. It's like, yeah, you can go to kodiaskins.com to register. It's $47, but you need to be a part of it because you're a warm market. I'm paying for college, waiting tables and busting. My thanks, hurry, hooray, violates from Kodi. Tony G's the man. I love loving the questions, man. I'm getting a bunch of them. Thank you guys. My regret was not, I'm gonna write stuff down because I'm forgetting and not even addressing some of your guys's questions because I'm on a phone and I can't see them. I need to have a computer so I can go back and read them. My biggest regret was not putting as much emphasis on basketball. You say, well, that sounds dumb. You made 117 grand while you were in college. When you were riding around on a bus. I do, I wouldn't change that year, but I wish I would have put more, as disciplined as I am now about my career and my mindset towards stuff. I'm freaking committed like nobody else. I wish I'd have been that committed and disciplined and had the mindset I have now towards my, you know, athletic career. But in the grand scheme of things, what's the matter? Books. Coach Bert's got some good books. He spoke at the conference. What's another good book? See, I think the article is gonna sell if somebody hasn't read it is a good book. I think the Gary Vee books are good. I always think when I'm not new anymore to answer your question earlier, I start thinking about like moving towards mindset, discipline, habits, the things that can take me from, hey, I'm not new and I'm doing well, like I'm new, I'm doing well, I wanna do great, right? And so for me, it was less about, when did you start keeping track of your financial statements or did you pay a CPA to keep the record? Funny story, funny story. I'm gonna come back to the books again, I promise. Funny story, I made 117 grand, 20 years old. I go to a CPA the next year. Guess what the CPA tells me? Ricardo brings up a good point. I don't think I've ever said this on video. The CPA said, hey, you owe 20 grand in taxes. I'm like, 20 grand? I freaking blew it on a dodge. I paid cash for a dodge challenger. What are you talking about? Yeah, I owed 20K. And maybe I did say before. And I'm like, so I went and did my taxes, H&R Block online, I did my taxes on my own and I paid eight grand instead of 20. Now I have a CPA that does everything. Actually, I did it myself. I did it, Ricardo's all over this, man. I did it myself, but I went to, I went to H&R Block, I did it myself, paid eight grand. Now we have a CPA that manages our different businesses. Like most people don't know this. I've got five businesses that do in excess of total $6.5 million in revenue. I'm hesitant buying leads from my area. We're the last to get anything from fine North Carolina to get anything that you'd find north of here, whether it be technology, et cetera. We're the last to get anything. Oh, we're the last to get anything. Yeah. No, I mean, there's some areas in North Carolina that you would think how I could never get leads in and I can get you 20 leads tonight. Like, I'm getting so good at generating leads through social media and digital advertising. We do like 50,000 leads a month now. It's unreal. It's stupid. It really is crazy. Books. See, for me, it's less about the books. I can see that. Like, I would be more worried, Ricardo, about getting your income up and less worried about taxes. Like, dude, I wouldn't, I don't care. I hope that I get to pay a million dollars in taxes one day. Like, what do I care? I just want to, like, I'm worried more about the top line than the tax line. Books. See, for me, it's all about, like, access, right? So how many leads do I need to book 30 appointments per week, starting out, would you say? Probably, you're gonna need at least 60 a week, man. For sure, for sure, for sure. For me, it's more about access. So instead of me reading books, you say, you say, hey, I'm experienced. For me, it's like, okay, in the last 12 months, I've spent 75 grand on personal coaching for me. Front row 10x, business retreats. Masterminds, where I flew private out there for the heck of it, right, to Nashville. Retreat in Florida. I spend 25 grand to be a part of a program that I get coached, right? So I'm all about coaching. I'm all about personal development, self-improvement. Like, people that watch, that have watched me over the last few years, Tommy Maxx, a good example, they will agree that my mindset has changed. My self-discipline has changed. My commitment level has changed. My drive has even changed. Like, I've been working out for, I just finished, I just started week 20 of working out. I didn't, when I first started doing YouTube, I didn't work out every day. I didn't spend, I didn't think about throwing an 8% nation conference and spending a half a million dollars to throw this big conference to help insurance insurance. Like, I didn't think that stuff. Are you going to the vault held by Patrick by David the Crater? You know what, I thought about it. I don't think so, but I have seen the ads for it. I think it's great. Like, I've invested in that. Like, you talk about stuff, I like to invest in conferences, events, access to people. Like, I've paid to go to masterminds where I'm the brokeest dude in the room. Where the person doing the mastermind is making 90 million dollars a year. Like, that's the type of people that I want to be around because I'm like, I got to scale up. I got to think bigger. I got to be more disciplined. I got to put more in. And so that's why when I say I've spent more than 75 grand in the last 12 months on me, just personal development, self-improvement, right? Access, growth, coaching, training, that it's actually been more than that because I'm starting to remember stuff I didn't even include to the day when I said that. So I bet it's over six figures, but man, it's been a lot, but it's been totally worth it, right? I hung out with Grant Cardone at his office, right? What do you think about his company? I looked into agents, yeah. I think that what your number is high. I don't want to comment about somebody else's company on video, honestly, I try not to do that. Trying to break in. But yeah, I think there's opportunities that are better than others, right? We have a lot of different agents that watch this stuff. Dude, Ryan Tracy says to expect a 20x return on the investment in yourself, yeah, yeah, exactly. And you should, and you should invest a ton of money. Like I said earlier, when I say I've spent 75 to 100 grand the last 12 months, here's a new basketball goal I just got for the back of the LFS. You guys know I'm a hooper. So I got that for the team at a big grill out basketball game yesterday. I'm going to see what dates I'm going to be down Houston, San Antonio, and Houston, San Antonio, and Austin. Oh, I was right, okay. John May 14th, 15th, and 16th. I think Ricardo's down there too. 14th, 15th, and 16th. I almost said that right back in the same spot. If you come to Houston, I'd better get to meet you. You come to the free event we're doing in there. You'll definitely meet me. For those who are joining us, I'm doing a bunch of, I'm going to start traveling and doing some free events in different parts of the country. I'm doing the one, the 18th in Dallas for a few hours. For free, it's live, it's free. It's free training for insurance agents because I want to meet more people in different markets and we're doing the Apercent Nation conference in Dallas so I need to meet people that can come to Apercent Nation. Anything in Denver, not yet, but we will. That's on the, Denver's on the list. Vegas is on the list, L.A. is on the list. New York's on the list. Orlando, Tampa, Miami, St. Louis, Chicago, Nashville, DC, Columbia, maybe? So we're having a bunch, so I'm doing, we got the virtual live on the 11th this week. Then we got the live training in Dallas on the 18th. Then a retreat in May, which is already sold out. We have some, we have people that actually own insurance companies and carriers that are attending that by the way, which is pretty cool. Do you use your same phone number for personal and business? I do. I may not be able to always say that, but right now I do. We're doing another virtual live online in June, another retreat in Tampa, Florida. That I want to fill up quick. It's going to be a 15,000 square foot mandem where we can hang out together for a weekend. If you're like, dude, what are you talking about? You can go to Kodiaskins.com to see all that kind of stuff that we're talking about all the time. Events, or I'm going to add a calendar on there. I'm going to go back to Dallas in July twice. One for a free live, one for 8% Nation. And then Oklahoma City, we're going to do a free training there. I'm going to be in Tennessee for a retreat with Coach Montmike in August. I'll be in Costa Rica for a career, or a incentive trip I won for our agency's production. That's in July, end of June. What was the phone app that tracks your business miles or helps you plan your day? You mentioned it some time ago. Oh man. I don't remember, honestly. I did mention it a while back, but I don't remember. I'm all about, like someone asked earlier about books, about what books would you recommend for a vet? Well, I don't, I recommend books always, but when I get from, as Coach Burt says, from a baby star to a big star, I start wanting more than a book. Like the person writing the book, I want to spend a weekend with them, right? Yeah, a road warrior's more for route planning. I want to spend a, I want to go to their conference. I want to go to a retreat. I want to do a private mastermind. Like I want to do more than read their book. I want to hang out with them, right? I want to get in their brain. I want about to see what they're talking about. I want to ask them questions directly one-on-one. I want coaching sessions. I want to get to know them. Like that's why I'm learning, like there's no secret to success per se, but I'm learning that the people that grow, they go all in financially. I'd never started to go all in financially until last year. And you guys have already seen, we went from an average YouTube channel a year ago to where we've got the largest insurance agent YouTube channel subscriber wise for insurance agent training. And that's because we went all in. Like we threw the conference and had 1,100 people sign up. I had some major speakers. I spent like 215 grand just on speakers for that event. And I learned a lot about how to throw an event, the pros, the cons, all of it, right? So you don't know what you don't know, but you're not going to know unless you do it. So that's where, do you follow any of the online gurus? A little, Grant Cardone's, you know, Grant Cardone, Coach Burt, Ty Lopez, Gary V, like there's people, Frank Kern, like there's people I follow. I watch some of their content, some of their videos. I don't watch them all. You guys probably wonder, why do you do so many shows? Like dude, all the time you're always doing a show, right? Couple reasons. It's the best way for me to help it an agent every day. Number one, it's the best way for us to grab SEO and organic traffic, right? And saturate the internet with content to help people. Like so it helps agents short-term, helps our company long-term. I actually, Mike Office has interviewed two people, activity, activity, activity, bro. We search engine optimization, like if someone searches online, what are you going to find? Like Google searching. We interviewed two people recently, the last couple of weeks, and they even said, if you like what you're watching right now, please give me a thumbs up. I see the one thumbs up. Thank you for that. Let's get some more of those suckers rolling. We interviewed two people recently, one of my sales managers did, and they had researched the insurance business. Thank you for the other thumbs up. Thank you for the other thumbs up. They researched the insurance business and found our videos online, and then they came for an interview here. I walked into the interview and they recognized me from our YouTube videos, which is nuts, right? It's silly. But YouTube does a few things. Not only does it help people, not only does it drive like long-term traffic, like when someone searches, they hopefully they'll find us, right? But it also creates like this sort of fake celebrity status in a way, because they're like, oh, I love you, man, like, you know, like I met Tony G. He's watching right now in Vegas, right? Dude, I'm as normal of a dude as they come, as they come, but when you meet someone after you've seen them online, it just feels different, right? And I hope, dude, I'll probably let him down. You know what I mean? So it's like, that's what we do so much of that, is it's to help people, it's to, I want when someone, eventually, when someone searches or thinks of the word insurance, you know, I want them to think about us. I mean, why not? Well, why would anyone doing anything or own a business not say that or want to talk about that? Like if they don't, yeah, right. We did meet, but dude, I'm no rock star. I mean, that's one thing that is, like I watch a lot of the people, you were the rock star. I get to do podcasts. Like I think I'm gonna be on the panel from I too, because we're always got someone's going on. We're even adding another show on Thursdays that we haven't even rolled out yet. It's gonna be all about personal development, self-improvement and coaching. Everything I've learned that's skilled my business or me from a baby started a big star, whatever, baby started a little bigger star, right? Kid star, whatever you want to call it. It's, that's the kind of stuff that I've learned that's really scaled everything we're doing. And I want to share what I've learned that's helped me with you guys. Some advice on door knocking. Try to get in the home the first time you show up at the door. Map out 25 doors or go to a senior housing facility, right? Know your pitch, knock on the door, don't ring the doorbell. There's reasons behind that. I've got a lot of videos about that. Like I'm a freaking sick door knocker. Like I don't think anybody in the industry is better at door knocking. I'm telling you, I love door knocking. But you gotta know your pitch and you're gonna ask to come in immediately without being aggressive. That's why I take a step back when I door knock. Miss Betty, how are you today? Hey, my name's Cody, right? I'm getting back to you about your request for the new file expence information. Now, hey, they sent me out here because I'm the local filled underwriter. I've got the information and I just need to take a couple of quick seconds to go over it with you. So can I come in for a quick second, right? It's respectful, it's not aggressive, it's not abrasive, but I mean, I'm asking for what I want, which is at that moment, it's to come in the door, right? It's not to sell something from the porch. Even though I've done it, I've had to, I get it, right? I don't wanna send a future appointment. I don't wanna sell something from the porch. I don't wanna talk to him for 84 seconds. Do you know any psycho tricks for cold acquiring many things? If you're cold calling, yeah, I've got some live cold calling videos. Okay, for instance, when you guys say, you got it, you got it, thank you. Thank you, Maria. When I was, I'd like to say, to see how you present the info as if you were already inside the house. The insurance wealth university is probably gonna give you the closest, the university we did 150 training videos now almost. It's at Kodiaskins.com. It's probably got the most in-depth on in-home presentation. Call to close, that course has a lot too. I won't be going over that on Thursday. Be more prospecting related. But when I made, when I went my first year, when I did well and made a bunch of money, I did not know that, I didn't really know about buying leads. The company I was with was against them. They sold leads to people for like 40 bucks, you know? And I'm like, I don't want those. So I did my own thing. I created my own leads. Like that's one thing I'm gonna talk about on Thursday night, insurance agent prospecting 101. It's 47 bucks. You can go to Kodiaskins.com to register. Little plug there. I created my own leads by using call nights. I would hire, I love the thumbs up guys. You guys are awesome. I would hire, I would bring over college kids, give them pizza, a phone, a script, a data list, a cubicle, I would call with them. I would jack them up and get them excited. I would have them role play and practice before they get on the phone. I would pay them per appointment. I would give out gift cards throughout the night. I would buy them pizza. I would buy it, give 20 bucks to the winner of the call night. We would do cold calling nights every Monday. And I would walk out of there with eight, 12, 16, 20 appointments in two to three hours of calling. And that's how I would book up my entire week as a new agent, because I didn't have a lot of money for leads, right? I didn't even know how to buy leads. I didn't know it existed. I generate them now and I generate a lot because it's a struggle for agents, right? They don't know where to get them. So I believe in me and trust me. So hopefully agents will too. But when I was new, I knew I needed to get in front of people and I didn't know anything about buying leads. The company I was with frowned on it. So I'm like, all right, I'm gonna generate my own because I knew I gotta get in front of people. But I just generated straight appointments and generated leads and I would do it through cold calling and I had a team that I would bring over college kids every Monday night and we would book appointments and add them to this appointment sheet. At the end of the night, I would go out and put them on my calendar, write activity, activity, activity, man. That was the theme of the game. I knew I needed more activity than the other people in my office that were felling. And so when I would get to the end of the week and it would say, all right, I set 16 appointments I ran 10, because they're cold calls. A lot of them are gonna stand you up. 16, 10, it had sell like four policies, you know, over the course of a year, that's a lot. And four didn't sound like a lot, but most agents aren't selling one a week. Agents would, the agency in my office were like, what's this kid doing, you know, that's working so well for him. I'm gonna take a deep dive into a lot of this on Thursday night. And I would have, I even had a manager, I even had managers from different offices reaching out and calling me, right. I had a manager from Minnesota one time that actually called the office to see why I was out producing, same thing for Mississippi actually too. I was out producing their entire team, their entire office on a weekly basis. And they're like, what the freak is this kid doing? Well, it was activity. I was prospecting and I was getting in front of people which with insurance is the name of the game. So, so now we're doing a lot of events, free events, $47 events like Thursday night, all about prospecting. I'll be in Dallas, 30 the 18th. We're gonna have 8% Nation. I'd love to have you guys 8% Nation this year. A lot of fun. I'm all about creating these events and structures to really pour into someone and really help them succeed. Really, that's why we do so many shows. That's why we're adding a Thursday show. That's why I'm all about finding creative ways to bring agents value on a daily basis. I started YouTubeing, as we call it, December 28th of 2015. So, okay, that's been three years and three months ago and 10 days, something like that. And over the course of those three years, three months and 10 days, we've learned what works, what doesn't work, what you want, what you don't want. You love what I make calls. Like, we know that, right? I can't make calls every day, but I know you guys love what I make calls, dials, leads, live, cold calling, whatever. We thought about doing some, I don't think we could get away with this. We thought about doing some door knocking cold on video. I don't even know. We may have to blur somebody out. Like, I don't even know what we would do, but... What is your favorite restaurant? By the way, I'm eating barbecue chips. Dude, I'm barbecue in general. Brisket, sausage, pulled pork. I love it. I love freaking barbecue. Like, that's my favorite type of food. I also like fried sushi. I like kibachi. This is getting weird, but you know what? I like my food, so who doesn't? Tommy Mack knows that. I love my barbecue. I'm from Arkansas, you know, so originally. Now I'm up in Springfell's. So, Tony G. So that's why I'm like, how can we, what car do you drive? My previous car, this brings up a good question. I currently drive a BMW X5. It's a little mini SUV. When in Austin, Texas, you need to visit Lockhart, some of the best barbecue. Dude, I'm in, bro, you need to meet up with us and we'll go to barbecue together. Fancy. I used to drive a Lexus RC 350, a little sports car. When I was an agent, I drove different cars, a Mazda, a Malibu, I drove a two-door, brand new Cadillac CTS at one point. True story, true story. It was like my third or fourth month as a full-time agent and I, what leads are better when you are new? Most new agents, they buy our Facebook leads. Wow, that's awesome. I wish I had Tesla. I may have to buy one. Facebook leads, age leads, like I would start there. That's what I'd definitely want to start. Our leads are great for new people. Age leads, we have some age leads, some overflow leads, whatever, overstock. When I was a new agent, I bought a, I'm so interested in agency, I'm in a home auto acclaims right now. I'm also in my late 30s, so it's a too late start. No, no, not a chance. You got it. Slyther, I bought a, I was like 20? I bought a Dodge Challenger SRT8, 42 grand. I bought it when my parents were out of town in Vegas. My first month, I made five figures. I went and bought that and they're like, how about it's either 19 or 20? They're like, the car lot didn't believe me. I do work with some, yeah. And they're like, no, you're in college. You don't make, you didn't make 9,500 bucks last month. I'm like, yeah, I did. They're like, well, we're not selling you a car unless you can prove it. I'm like, I can go freaking pull a pay stub offline. So I went and pulled a pay stub, showed them my pay stub and they sold me the car. And I told my parents I'll pay it off by the end of the summer. And about four, five, six months later, I wrote a check for like 35 grand to pay the whole car off. I was young and stupid, but when did you start your credit? I started buying stuff immediately. I stated in this, I started in the industry last year with Medicare Advantage Plants Part Time. Now I'm going to full time. My hold back is feeling that I don't know enough concentrating on final expense, mortgage protection and life. That's a great, I mean, John, I love the, I love final expense, mortgage protection, life insurance. I know a lot of successful people that make, you know, hundreds of thousands selling that, selling Medicare. I mean, I know people that are making six, seven figures selling all of it, right? If you had like, if you had to name a product type, I'm going to think of somebody that's making seven figures selling that product. So it's like, people say you can't make seven figures as a personal selling insurance, you actually can. Yeah, it helps when you have some agents and you've got an agency and other stuff, which is why we're doing these retreats to train people on how to grow an agency, how to blow up their brand. The one in the seven figure growth retreat we're spending a weekend at a 8,500 square foot mansion in Chandler, Arizona, May 2nd through the 5th. And then I'll be, we're going to probably have another retreat in June 20th through the 23rd in Tampa. I'm looking at a 15,000 square foot mansion and actually spending a bunch of time at that, you know, doing a retreat like that. So I'm looking for like creative ways to be able to provide coaching, training, some time, some energy. I appreciate all the thumbs up. I gotta head out here in about five minutes. Any other questions? I gotta leave for about five minutes. I appreciate you guys being on with me. We'll be going 36 minutes. I haven't done this in a while, but I love this. Thank you, thank you, thank you. I appreciate all the thumbs up. I got my first credit card four months ago at 19 and I already have a 725 credit score. Is that good? So I mean, it's decent. It's decent. I've had higher, I've had lower. I mean, when you, you know, debt fluctuates it. I know I'm not a credit expert, but I'm not as worried about like the credit and the finances and taxes and stuff like, you know, like you've talked about. But I'm more interested in increasing my, you know, increasing my revenue and letting everybody else take care of that. Like my wife candles all the finances, payroll for the whole office, right? We leased the office. My dad's got the other half of the office. We've got like 15 employees. We've got five companies now, three on four on this side of the building. Yeah. And my wife handles all that. We have a CPA that does everything. He was here Friday, Thursday or Friday doing taxes. We do a team meeting with the team every single week. LOL, everyone has a job. That's great. This is true. This is true. What's up, Sammy? Hope you guys are well. I appreciate you commenting. I appreciate the love. Any questions before I head out? I'm gonna, again, go to Codyaskins.com to get in that insurance agent prospecting 101. You can sign up there. Do you mind sharing how much money you make a year? Open an agency in LA. I'll actually be probably coming out to LA to do a free live training at some point. Ricardo, this year I will do in total revenue, definitely more than seven million for sure. So for sure, for sure, collectively from multiple companies and all that. So, and it keeps growing, you know? But that's what I've learned. It's really easy to get greedy when you start making good money. It's easy to get greedy. It's easy to only think about making money. Like when I charge 47 bucks for a free live training, I'm thinking about you guys a lot more than I'm thinking about me. So that's why, and also when I do these free trainings in these different markets, right? That's why if you do right by people and you get to know people like Tony G, Tommy Mack, all these other guys, you get to know people. You build relationships. And it's less about how much money you can make off someone and more about how much you can help someone than the money will come. So it's really easy to get greedy. It's really easy to get jealous. It's really easy to, you know, charge more than you should for stuff. But at the end of the day, if you do right by people, my wife always says all the time, she's told me this for years and I'm telling you, it like balances me out. I'm a pretty confident crazy dude. Good things happen to good people. So always do the right thing. Always do right by people. Always do good when you can. The more value you give, the more it's the more society, the more money you'll make. Ricardo, it's so true. So it's it. All right, I'm gonna head out. About 40 minutes. Appreciate you guys' time. I love hanging out with you. Hopefully I'll get to see you tomorrow. Phone Phenom at five, Q&A on Wednesday at whatever time we do it, probably two. And then Thursday I'm doing that insurance agent prospecting 101. If you're new, if you're struggling, or if you just want to be better at prospecting, that's the reason agents fail. They struggle with prospecting. Please go to CodyAskins.com. Under events, click on insurance agent prospecting 101. Spend 47 bucks, and I promise you, I'll give you $4,700 worth of value. Easy. Thank you guys. Hope to see you on Thursday for that free, that live training event. It's a private virtual live. It's $47. Hope to see you there. Appreciate you being on the live.