Data and Facts - Episode 58
Melina: We have new chatter happening right now. It's weird. We got a whole chatter.
Oscar: We're all dancing on it.
Melina: Welcome to "Flippin’ Off" a purpose-driven podcast about flipping houses and making a difference. All right. Good afternoon, everybody. Good morning, good evening, whatever, wherever you are. For us, its afternoon coming to you live from the Frequency Factory in Riverside, California. This is Melina Boswell, co-founder of New Wealth Advisors Club. Today in the house, I have with me, Kevin Castillo. Oh, good.
Oscar: Hey, Kevin. We can't hear you over here.
Melina: Oh, that's because he wears these funky headphones on. He's talking to the... Yeah, I got it. Christian Rios.
Melina: And Mr. Tim Wilkinson.
Melina: Oscar Solares.
Melina: And Mr. Frank Luna.
Frank: Hey, everybody.
Melina: All right, and then over there on the couch today, we have Tim Jackson, the one and only. All right. So today, we thought we would pick up...it is actually a continuation of our last podcast about the market. And we were joking about it that maybe we should start an entire series on conspiracies. Christian started saying afterward, "Hey, so where was, you know, blah, blah, blah?" We started talking about it, right?
Christian: Yeah. We need to change the genre of the podcast.
Melina: To conspiracies. And we could go on, and on, and on. We probably will as a matter of fact not on the air. Yeah, but I did it. So we were talking about... We wanted to talk about, like, the response. What do we do to the shifting in the market? And something that I said to the guys which is...it's a phenomenon to me and I don't think that I wrapped my mind around it. I still, I'm bewildered around the fact that the market is driven by emotion, like, how people feel. And that is the craziest thing when you think about. It's like, "Well, why don't we all just feel good all the time and keep the market up?" But that isn't the truth. Is it? The truth is that how people feel, how we are feeling about things is what starts to...that actually leads the market out.
And so I find that fascinating for several reasons. One of them is that the fact that we don't spend enough time I think in talking about what's happening in our mind, like, what's happening with us emotionally, and that really is, that is the driver of everything. If we're honest, that's the driver of our whole lives is our feelings, and so what do we do with that if the market...you know, that means that... Are you telling me, like, I was thinking about this, that my pocketbook is affected by what's happening in my mind and in my heart? That's an amazing phenomenon to think about, but it is the truth.
And so I wanted to talk today a little bit about... not a little bit, but I wanted to just spend time today talking about the feelings that show up when the market is going where it's going. Like, I was describing it in class last week as there's a disruption getting ready to happen, and I can feel the grumblings of a disruption about to take place. And that can make you feel...leave you feeling a certain kind of way. It brings in all kinds of emotion, and so I don't think it's wise. I think it's actually irresponsible to ignore the emotion that is associated with the grumblings of the shift in the market. And so maybe I'll just have each one of you. Would you guys share? Maybe each one of you share like just personally what's happening for you. Like, what happens for you, like, emotionally and then really physically because the truth is emotion is completely associated with ourselves physically?
Christian: Yeah, and I was gonna... That's actually where I went. Something that popped into my mind is this last quarter of the year, this is when everyone starts getting sick too. Everyone starts posting on Facebook, on Instagram, "Oh, my gosh. I'm so sick." And then if you let that get into your mind, you're gonna end up getting sick, you know. So the markets the same exact way of, like, people are on CNN, they're on all those, you know, news channels and they say, "The markets are coming down. Markets coming down." Everyone starts buying it. Guess what's gonna happen? It's gonna come down. And what was cool after listening to that last podcast, after chatting with Tim, he kind of had the different spin on it where us as investors, it could maybe even be a good opportunity when we sell properties too. If we wanna get rid of a property, you know, a little quicker. So can you share, Tim, a little bit, like, kind of what you shared on the positive note of if that program, you know, could... if there could be benefits to it.
Tim: I think I said it last time that if I was in the bank's position, I would absolutely do that, do exactly what they're doing because I can see. As an investor, I can see that position. I can see the position. And when I look at where we stand right now for the last few months, we've looked at properties that have maybe sat on the market a little longer, prices have definitely softened. We've seen, from a year ago, to where you list a property and it sells within days for more than the property is sold for or that you listed it for to now you listed and it might sit on the market for a little while, and you're definitely getting offers below what you listed it for. So we're definitely seeing those things in the market and this product, from an investor's standpoint, from somebody who's in the business of fixing flipping properties like I presume most of the people listening to us are, it puts us in a position where maybe there's about to be a bunch of money dropped into exactly our market, right?
Melina: In other words, our end buyers.
Frank: Yeah, our end buyers. You know, I feel like this conversation is not necessarily any different than the last. I think what I'm getting through is we're still kind of talking about the details not necessarily what do we do but where I just went was that... Oh, damn. I lost my train.
Melina: It's okay. You lost your train of thought.
Frank: I lost my train of thought. I'm so sorry, guys.
Melina: Well, it has something to do with... We really wanted to focus today on what do we do, how do we respond? And I think that's a legitimate question actually that Christian said because it is a response that I think is a positive response to what we're seeing in the market, right? A response could be, "Hey, maybe we take...?" Because we can't change what is, right? All we can do is work. We get to choose how we respond to what is. So if our responses is, "Hmm-mm. How is it that I can take what is and use it to benefit...to create a win, win?" Because that's how we do business at the end at NWAC, right? Our whole goal is always win, win, win. If we don't create win, win, wins, we don't wanna be in the deal.
So maybe for the right person, this is a huge opportunity for somebody to become a homeowner because of certain circumstances. So I think using the NACO[SP] loan for your end buyer is absolutely a positive reaction to what is. I don't think that there's anything wrong with that. I think that makes perfect sense. So then maybe that means we need to, you know, get in and understand more about that loan program. You know, do we market it may be when we're trying to resell a property and give an opportunity to somebody who otherwise wouldn't have an opportunity? Because ultimately, we can't be responsible for decisions that people make.
You know, all we can do is work and within the scope of what is. Now, you cannot make mistakes like, "Oh, this person is gonna buy a $700,000 home, and they make $40,000 a year. Like, that's obvious, you know, that's predatory. You know, that's just a dumb business model. So, we wouldn't do that. But maybe for the right person, it could create an opportunity, and that's how we look at it. So back to my original question which was, how do you feel? Like, how is your heart? Like, what's happening with your heart when you...? I know something happens to us internally, like on the interior of our being when we hear the market going down. Like, what happens? How does that affect you? You know, who wants to share, like, honestly?
Oscar: It causes me to start looking into everything. I mean, we know the stock market is correcting, interest rates are going up, treasury bill notes are going up the yield. That's causing people to sell stuff off. That's gonna affect everything, and we know that the market is gonna correct it. So it's designed to do that, which is something people miss. I missed. Like in 2008 I don't know the market was designed to correct it that way and we hear the president yelling at the Fed not to raise interest rates because you're gonna crash the market. And if you listen to what the Fed is saying, they're saying, "Well, we've strategically placed these increases over the next year, very small to minimally affect the market. So what's minimally? We know it's gonna affect the market. There's no way that raising interest rates is gonna not affect the market. It has to. It just affects our end buyers buying power. So to artificially keep the market inflated for a little bit longer, they start rolling out these loan programs because they're not ready for it to... I don't wanna say the word because if they are ready for it is over correct, right? So they have the...
Melina: Price improvements.
Oscar: Right. So at the end of the day, the banks completely control the market. They say, "Well, we want these prices to stay up like this for another 18 months. Why don't we roll out a loan program and...? It's like a hot potato.
Melina: It is.
Oscar: Like we got all these loans out or I'd sell all this stuff, and then their interest rates are going up. Let's change some of the guidelines on this market per...on this program. Not as many people are gonna qualify. And at the end of the day, the supply and demand of housing and those, you know, qualified buyers, that's all that matters. That's all that's affecting it, and the banks can't... They totally know how many people are applying for loans. They know what's happening. So the market is gonna have to correct with the price inflation going up, with the interest rates going up.
Oscar: It's inevitable. It has to happen.
Melina: So what happens to you Frank, like, emotionally because it's so funny. Last time when we were recording our podcast when I started talking about NACA and what the program, you know, the 100% program that was coming out, you were on your phone. And I was looking over, and I could see that you were just doing research because that's what you do. Frank immediately wants to get into...he wants data. He wants facts so that he can... That's how you roll. Like, that is your...that is who you are. You wanna have data and facts so that you know what to do, and you feel...that gives you some sort of feeling. What is the feeling like that it gives you? Because something was happening for you, right? I mean, I'm talking emotionally, like, would you get into where it is emotionally because I know logically where you are, but what happens emotionally?
Frank: I guess, I don't like knowing what I'm not gonna do. I don't like knowing... not knowing what to do. I like to have all the information so that whatever decision I make, I can feel that I made a decision based off of all the information that's available to me. If I don't go out my way to make sure I have all the information that's available, then I can't be confident about any decision or what I'm going to do normally. Especially in this circumstance, all it's gonna do is reinforce the gut feeling that we have, right? I mean, let me check this, and that's always nice, right, when the data confirms the gut feelings that you have.
Melina: It always makes me happier. I can tell you.
Frank: Right. It's like I can trust my gut instincts.
Melina: They're somebody who operates instinctually which is me. It's very, very good when the data confirms my instinct.
Frank: Yeah. For me, the market in 2008, I knew that...I just knew I owned a home and that it was now upside down. That's all I knew. So how did that happen? I mean, I was, you know, I don't know how...I was 30 or something, I don't know. When I bought my house, I was pretty young. I was like 24 or something. All I knew they told me I qualified for the mortgage and...
Melina: And here's your payment?
Frank: Yeah, that's all I knew. So now looking back so many things I would have done different. Now with that knowledge, what am I gonna do now? And I think that's what a lot of people are completely unaware of. They just know they have a job. They know that they have a certain income. They can afford a certain payment. That's really all that matters. But down the road, like, five years or when the market cracks, you're looking at did you get the right mortgage? Are you preparing yourself for long-term? You know, like when you're in your 60s that you don't have to worry about that. And a lot of people, we talk to people all the time, they had no clue. You know, nobody ever educated them on any of those things.
Melina: NO. If I could put a word to how you feel because this is so funny. This is so great. Welcome to my world, people. Welcome to my world. I say, "How do you feel?" And I get a bunch of data, all this data, right?" Well, oh... And so which is great because I work with all men and I'm the feeling feeler kind of girl, and nobody wants to jump in and play with me in this realm except we just agreed that feelings drive the market. So if I was gonna put a feeling to what you just described.
Frank: Well, you said feelings drive the market.
Melina: Yeah. You don't believe that.?
Frank: I don't. That's part of it. I mean, like I know supply and demand, that drives the market. There's consumer confidence.
Oscar: Is consumer confidence wrapped around emotion?
Frank: Consumer confidence is wrapped around what's going on with...? You can't have a feeling about the market without something happening in the market first, right? I mean, there's facts. There are things that are happening. So I definitely deal with that more. I'm kind of person that's kind of, "I'm gonna ignore my feelings because they lie to me?
Melina: Oh, that's true. They do lie to you, don't they?
Oscar: Got you. I got you.
Melina: Okay. I appreciate that.
Frank: Yeah. So, I guess, if you say, "The market is crashing," that immediately evokes fear.
Frank: Of course. Now, wait a minute. I don't need to be fair. I'm an educated person, you know.
Melina: And you take control of your feelings.
Frank: Yeah, totally.
Melina: So anybody else have a feeling? Yeah, go ahead.
Kevin: It's crazy there's two sides to it because when I see Tim's and Frank's side and going back to what happened, like, "Let's Talk Football, like, with Kaepernick. What he did Nike shot down, like, right after their stock, like, 20%. And that was all like fear-based, Iike people's mentality. And then like three days after, it shoots up 34%, you know. So it's crazy how people really, like, their emotions really drive I think kind of everything, right? And what I was thinking about when you guys were talking, it's crazy how everyone always says, "History repeats itself." And it does. It's like almost where it's been so many years where people kind of started to forget what happened and they kind of ripped off the Band-Aid now we're kind of going back into it. I personally don't think it's gonna be like, you know, seven or eight, but it's crazy how history does repeat itself.
Melina: Absolutely. Go ahead, Tim.
Tim: I was thinking about when you asked about the emotion, right, and I've been sitting here because I'm I like Frank. I tend to either ignore my emotions or just suppress them totally, but it made me think of something you said in class earlier this week. And you were talking to a club member about this emotion, and he used the analogy of a roller coaster ride. He said, "It kind of feels like we're on our way up that initial click." Like, "You're going up that initial hill, and then you feel that click, click, click, click, and you're waiting until that last click." And for me, that emotion is... Well, what I wanna say is this. To me, emotion definitely lies in the language that you use to describe it because one thing I realized not very long ago is that the feelings that I feel in my stomach, the butterflies, the high energy, I can call that two things. It's the same exact feeling. I can call it anxiety. I can call it fear, or I can call it excitement.
And right now, what I feel like is like as investors, as leaders of this group and as being really involved in this market, I feel like we're in that first car and that [inaudible 00:17:33]. And I don't know if you've ever experienced this but when you go up, you start feeling the click, but there's still the people behind you click, click. And you're just waiting for that last one, and you're just like anticipating to let go, you know. And I can't wait...personally, I can't wait until they get-go because a lot of money was made from 2008 till now, and I started in this business in 2010. So I spent the last eight years learning this business in the most opportune time to actually make money, and I didn't make as much money as I probably could have for sure.
Melina: Why is that?
Tim: Because I started... I spent a lot of time learning through this last 10 years. I feel like now I get to do the next 10 years with 10 years of experience.
Melina: Yeah. Yes. That's exciting, right? I agree. I really love what you said. I think that's exactly right. I was thinking the same thing. I was thinking about the roller coaster, and I was thinking some of us love, love, love the roller coaster ride. And we go on it because we cannot wait for the last click, and then just to let go and then scream our heads off, and just have so much fun. And so some people, like, hate it. They don't really like it, but why do people who hate it, why do they go?
Tim: Why do they get on the roller coaster ride?
Melina: Why do they even get on?
Oscar: The love, hate relationship.
Melina: I don't know what it is, but I wonder about that, but a lot of people don't really like that feeling, but they kind of do it. There's something, you know... Anyway, that's a different conversation.
Kevin: I feel like, at Disneyland, you guys peer pressure me.
Frank: That a lie.
Tim: It's a Mickey Mouse?
Christian: Hi, this is Christian Rios. As many of you know, I have been a member of New Wealth Advisors Club for over seven years and got started when I was 17 years old with absolutely no real estate experience. One of the biggest lessons I've learned from being in the industry is the need for authentic relationships. If you're looking for an actual team locally in Southern California with all the resources needed to close deals, register for one of our free workshops by visiting www.joinnwac.com. Thanks for listening to the "Flippin’ Off Podcast." Well, Tim, he was one of those guys, right, to get people to do something [inaudible 00:19:40]. That was you. Remember that word you used to say?
Tim: Oh, yeah.
Christian: Oh, yeah. I can't repeat that word.
Tim: But it works. It works. People would get on that rollercoaster with me.
Melina: Peer pressure. Christian just said we peer pressure him. We definitely do. We do. We pressure him. Well, I don't, but some others of our group might spoon.
Tim: You know, for me it's... I go back to fight, or flight, right? You know, that you have to choose one or the other and the challenges... Your emotions can hold you from making that choice, right, and that's where you can become stuck. And we talked a little bit about that last time around of what do you do? So, for me, it's important to be in this group, to be surrounded by people that are gonna hold me accountable, that are gonna help me through things, help to conversations over things, review, deals, and opportunities and all that, right? That really helps to continue to move forward. Otherwise, I know for me, I become that guy that I will suffer in silence. I'll sit there, and I'll wait, and I'll wait, and I'll wait, right, instead of just going out and doing it. And it's changed over time, right? I've been around you guys. It's changed, but it's still there. So I constantly have to battle that, right, because it's something...and I'm sure people out there deal with the same thing. And some of it could be called fear, all right? Excuse me. The flight that I refer to is going in a shell.
Oscar: Isolating, and getting away from internalizing everything. So it becomes now when I start to feel that way, it's when I now reach out, and I have conversations, right? And I went through this whole thing driving in here today, right. As, "This is happening. What if we did this? What if we did that? What about this? What about that? Oh, wait. This," right? And just constantly going through the whole battle all the way here. So it's natural, but it's more about how do you react will determine your future, right? So if you can't react appropriately, then you're gonna be stuck, and your future looks pretty dismal. But if you can react and hang out with the right people, do the right things, take the right approach is then the opportunity that Tim is talking about is prevalent, right? It's all out there, and it's just a matter of that windfall happening when you hit the top of the rollercoaster, and you actually go down, right? I'm the guy that gets on rollercoasters because I enjoy the speed, but I don't care to sit in the front car, right?
Melina: Oh, interesting.
Oscar: But I'll sit in the back car and get whipped around all over the place and knocked silly, but it's just... it is what it is, right?
Oscar: Now, can I sit in the front? Sure, but it doesn't thrill me to be in the front. I guess I get excitement out of seeing people's heads get knocked around or something. I don't know.
Melina: That's so funny. I actually will wait to get in the first car.
Tim: Me too.
Melina: Yeah, totally. Yeah, you can wait. I guess, I wanna be in the car number one, so they set you aside until the car number one actually gets open. I love that feeling. I love the feeling of not knowing what's gonna happen next. So that brings me like all kinds of thrill. So it's funny you said that about fear or excitement. Like, for me it's like, "Yeah. It's a thrilling feeling." But I definitely have to be honest about that because if... and I think what Oscar just said is so exactly right on. If I stay in my head... If I stay internal, then I am gonna be doom and gloom in no time, and people always think that I'm like this, you know, that I'm an extrovert, but I'm not an extrovert at all. I'm truly an introvert, and so it's like my most comfortable place is a 1,000% internal. Like, I would much prefer to be alone by myself, and in my own thoughts, in my own, like, I'm 100% good there. But I know that isn't what's the best for me. I know that I have a very little opportunity to grow if I stay internal, right?
Frank: You know, it's interesting that as I look around the room here, I think the only one that's really an extrovert I may probably be wrong anyways is Tim.
Melina: Is Tim.
Tim: Yeah, that Tim. Not this one.
Frank: Yeah, Tim Jackson.
Frank: Right. But we're all really introverts. And, I mean, going to teach in front of the room, right? It's like anxiety overdrive. You're sweating bullets, this, that and the other and then you get comfortable once you're out there, right? So it's interesting to see that through that anxiety, if you will, we still fight on. We still can go do what we have to do, right? And that's what I sit back on as like, "Well, I can do this. Why is this holding me back? If I can go do that, well, who cares then," right? It's just continuing to move forward, but it's interesting that we all come from that same space.
Melina: You know, I just read something that was talking about how do you define...like, what is the definition of an introvert versus an extrovert? And for me, the real question, because I think every one of us, it's not really your behavior. It has nothing to do with how you behave. It has everything to do with what's happening internally. And the thing that I was reading said this. It said, "If you are like being around people, like, let's say that you're tired, like, you're emotionally tired, how do you recharge?" And that's really the question. That's really what defines whether you're an introvert or an extrovert. So some folks get really... they get charged up by being around maybe just their family, by being around other people, and that's what recharges them, right? That's what an extrovert is, actually. That's where you get recharged is by being around other people. An introvert gets recharged by being alone. So that is the difference, and people get really...they get confused on why, like, which one. When I say, "No" I'm really an introvert. They're like, "Be quiet. How could that even be?" Right, because I'm, you know...
Tim: So that's why I hate crowds.
Melina: Right, right.
Tim: It takes a lot of energy to be around crowds.
Melina: Yeah. Christian, what about you? How do you refuel? How do you recharge? Is it with people or alone?
Christian: No, it's alone definitely. A word that came to my mind, because I love being around people, and it's almost like I feel like I wanna entertain people. I wanna give people, like, a good time, but it's straining. So then to recharge, you know, it's either just being alone in the gym. The gym usually in the morning is like my quiet time. I read a book, and that's kind of my getaway. I usually do it in the morning. So it's kind of before any distractions happen, so that's kind of a good start to my day.
Melina: It's really good. What about you, Frank?
Frank: I guess there's certain people that I feel like I get energy from. And, yeah, definitely being around multiple people where you're in a position where, you know, you're supposed to perform or whatever, I definitely get drained probably faster than anybody I know.
Frank: I can vouch for you.
Tim: I can vouch for you as well, and then you go in your office alone, and shut the door, and I do the same thing. I spend most of my time in my office alone at the office. It's very, for me, very draining just to be around people, and I was thinking about Carly. You know, like, we're getting ready to be married coming up, and she is...I don't know if she would say this, but based on this conversation, she's very much an extrovert. We're always having conversations about she wants to go out and be with people, and I'm like, "Just you and me. It's just you and me." Like, "You know, I don't wanna go out and be with your friends or mine. I just want it to be us." Like, I just am getting that right now is that she is very much an extrovert. And sometimes, we end up in arguments over that, but it's because we both get refilled differently.
Tim: And that's okay. And then I think what I really got down to is that a lot of times, personally, I used to confuse introvert and extrovert with shy and not shy.
Melina: Oh, yeah. I know them.
Tim: Like, those meant the same to me. And it wasn't until I heard the definition that you just gave which is that an introvert just gets refilled by being alone and, you know, whatever you do when you're alone. And then the extrovert gets refilled by going out and being out at Disney Land. Wherever you go to get refilled, that's you. It doesn't mean that you can get on stage, and I used to be confused with that. Like, I used to be confused, like, I realized I was an introvert, but I called it shy. And that shyness kept me from getting on stage and doing what I think I was made to do. And now, I realize I can be an introvert and get on stage. And this is not the conversation we started having. I'm sorry.
Oscar: So let me attempt to bring it back a little bit. I think what we ended up with is that emotions drive a lot of things in our lives, right? So we can't help but have maybe knee-jerk reactions when the market stumbles, when the house that we have for sale doesn't sell like we used to, right? You listed it on Thursday, by Saturday you're in contract. It doesn't happen anymore. So, yeah. Absolutely, there's an emotion that takes place that sink kind of that unsettling feeling that you have in your stomach. Cool, but what was really clear when you were talking right now for me, Tim, was that the reason I believe that everyone here can continue to move forward and do the things that we do is because of how well aligned we are with our personal core purpose. That's what drives each one of us and allows us to move forward and do the things that we need to do. Otherwise, if we were not in tune with that, we would still try to be something that we're not, and we would inevitably fail because it's not who we are.
Tim: So I think what I'm hearing in this whole conversation that went everywhere as opposed to where we thought it was going to, what I'm hearing and what I think I just heard you say, Oscar, is that what we do in light of this information we have about this new situation we're in the market under the grumblings of the market and knowledge of the past. And what we do is we stay true to who we are, and just keep moving forward.
Tim: And I think the one thing that I also heard was that we bond together. Like, we don't do this alone. We don't go internal. Maybe we go get refilled in the morning at the gym or whatever and we go fill up, but we don't stay there in our own thoughts and in our own negativity as we go through challenges in life. We bond together, and we are honest with each other, and we come together, and we attack this next 10 years together, and we'll find ourselves. And I don't mean together just the five of us at this table. I mean, us as a club, as a country really. If we could bond together and just move forward, we'll be fine no matter what, especially if everybody was to get on...if everybody was in tune with who they were called to be, then it would happen. It wouldn't matter what the market looks like. So I think that's what I'm hearing in this conversation.
Melina: That's so good. It's so good. It's funny I was talking with David yesterday about this idea, and I said to him, "I feel like there's this tension between..." And it was kind of an introvert, extrovert kind of conversation, but there is the tension between community and being alone. And that if you can identify that, like, how do you create that right balance in your life so that you stay healthy? And that's what you were just saying. I loved how... When I heard you say, "Alone" I started laughing to myself because I was like, "Yup, that needs to be the next podcast is 'Together alone.'"
Oscar: You know, the exact opposite of that, and you hear people mention all the time. I feel like we're kind of going wrong but, what you just said, I could say that in a different way, right, and we'll talk about positive versus negative and how we can use our language to shift it. But "Together Alone" sounds very similar as if I said, "I'm alone" even when I'm in a crowded room, right?
Melina: Oh, yeah. Very real.
Oscar: Like a lot of people say, "Oh, I feel alone even when I'm in a crowded room." Or as an introvert, I need to learn how to be together while I still am alone. It's like exact opposites, but it's a mindset.
Melina: Absolutely, it is. Yeah, I think that should be our next podcast. What do you guys think?
Tim: Yeah. It's gonna be interesting.
Melina: What are you gonna say, Christian?
Christian: No, I was just gonna say, yes.
Melina: Oscar, you said, yes?
Melina: All right, guys. Well, I hope you got a little bit of something. I hope that you listening got a nugget from what you heard from us today. We're gonna continue this conversation. I'll let you in on a secret. We're gonna continue it now, but you have to wait for another week to hear it.
Tim: Oh, you mean you're gonna, like, spoil the illusion of Hollywood?
Oscar: We're all gonna go change our shirts and come back in here and do this again.
Frank: Well, if that's the case, I'm not changing.
Melina: The shirts and skirts.
Frank: I was gonna say until the next one comes out, this will be a great one to re-listen to just because there was so much, but so many nuggets, not just one nugget that you could take. You could probably get a nugget each time you re-listen to it. So, you know, this has to be one that you revisit...
Melina: One of the...Mark as your favorites, best of the best. Absolutely, it's a good one too. I agree. Okay, people, family, persons, we'll see you guys soon. We will talk to you soon. For now, you've got NWAC flippin’ out. I'm Melina Boswell, your host of the "Flippin’ Off Podcast." I really hope you enjoyed it. If you did, we'd love for you to subscribe give us a 5-star rating and tell your friends all about us. You can find more episodes of the "Flippin’ Off Podcast" on Apple Podcasts, Spotify, Google Podcasts, Stitcher, or wherever else you'd like to listen to awesome podcasts like this. If you like what you've heard, we'd really appreciate it if you follow us on Facebook and Instagram, and tell us the stories that you'd like to hear. Tim Jackson is our senior producer. Luke Jackson is our editor. Josh Mauldin is our producer. Sound designed by Frequency Factory. Our executive producer is Mind & Mill. This was all created by Dave Boswell for New Wealth Advisors Club.