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How To Build Generational Wealth! — Transcript

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0:00what's going on guys Chris Hart here
0:01sold out serving right now and if you've
0:03been watching this video you're either
0:04one of two groups of people one maybe
0:07you're a certain earned follower and
0:09you're subscribed to a channel and you
0:10came across this video wondering what
0:12the heck is this this is different from
0:14Chris's typical videos guys if it's if
0:16that's you
0:17um stay tuned if you're interested in
0:19learning more about what I do how I
0:20built my business how I built my world
0:22for my income I'll be breaking down
0:24exactly what I do for my nine to five
0:26more like seven to seven seven days a
0:28week right whatever whatever you want to
0:29call it 24 7 right what do I do to build
0:31income for my family my businesses how
0:34many and tea across the country second
0:36group maybe someone sent you this video
0:38someone you just met recently some of
0:40you you know for quite some time the
0:42main purpose of this video is a couple
0:43things guys one I'll give you my
0:45background who I am how I got started in
0:47financial services to our breakthrough
0:50the future of what's happening in this
0:52industry today and why it's so important
0:53to your finances and then three
0:55everything man Chris I'm just open to
0:57learning more about how money works
0:59today we'll discover the three ways
1:01money grows guys we're breaking the five
1:03homes of money the five financial
1:05institutions to build wealth in and then
1:07if you say two to the very end guys I'll
1:09show you exactly what I do daily to make
1:12income serving others so who is Chris
1:14hard guys Chris Hart I'm originally from
1:15California uh Born and Raised on the
1:17west coast uh prior to working in
1:19financial services work there a little
1:21small company called Apple uh they're
1:23actually quite big right after my job
1:25was to help companies integrate Apple
1:27technology software Hardware love Apple
1:30I thought I was going to retire there
1:31but got a different plans for me I met a
1:33guy at my church back in 2013 and we had
1:36some conversation about a company called
1:37PHP now I asked what it stood for he
1:40said people helping people I thought was
1:42pretty corny I said what do y'all do man
1:43he says we hope families make money save
1:46money and get out of debt at the time I
1:47was about 27 years old had just gotten
1:50married I thought okay as a new husband
1:51I should probably be responsible with
1:53money and finance and so why not let me
1:54hear you out the following Sunday we met
1:56the church guys he blew me away not sure
1:58about you my mom dad the best they can
2:01by me but we never really quite had
2:02discussions about personal finances it
2:04just wasn't a topic a discussion at my
2:06household my years of high school and
2:07some college never had a class on
2:09personal finances so it made sense to me
2:11I actually got started as a client with
2:13a company called Nationwide financial
2:14and AIG now the agent tried to recruit
2:18me and I said hey man hey hey hey I work
2:20for Apple at the time we had a hundred
2:23billion dollars in the bank as in me and
2:25apple guys obviously guys I didn't have
2:27a hundred billion dollars in the bank
2:28Apple did but my ego was tied to working
2:31for a big sexy company so I passed them
2:33the opportunity but I come from a large
2:35family of seven siblings actually six
2:37siblings seven total and uh so I gave
2:39them some referrals my older brother and
2:41older sister a couple of weeks go by he
2:43calls back for more referrals and I
2:45asked him I said hey for sure I got more
2:46clients for you but I'm just curious
2:48what'd you make helping my older brother
2:49and older sister he made about seven
2:51thousand dollars guys in about two hours
2:53of work I thought wow seven Grand huh I
2:56didn't get any kick back no referral fee
2:58not even a Starbucks gift card right and
3:00so as you ask for a referrals I said so
3:02right now I'm in my entire family is set
3:04that wasn't true guys but in the back of
3:06my head I thought what he did was so
3:07easy I can probably do it myself one day
3:10so I have plans to get started with the
3:12agency I procrastinated I kept working
3:13at Apple and eventually my wife said say
3:16honey I want to have kids I'm like
3:17that's that's our family we've been
3:18married for about two and a half years
3:19now she said I want to be a stay-at-home
3:21mom I said babe
3:23there aren't any more stay-at-home moms
3:25like that's a this is the 21st century
3:27man work women work right but she was
3:29serious at the time of living in a
3:30suburb in Southern California was pretty
3:32expensive I said hey we need a double
3:33income so I have to find slide hustle so
3:35I thought about PHP agency so me and the
3:37agent Curtis we sat down and we had
3:40lunch and I said hey if I can start with
3:42the company part-time talking part-time
3:44can I make an extra two three thousand
3:46dollars a month doing this business oh
3:47Chris you get started here brother
3:48you'll be a quarter million dollar
3:50earner in no time said quarter million
3:51dollars a year don't sell me some crazy
3:53dream of making a quarter million
3:55dollars a year can I make an extra two
3:57three thousand dollars a month part-time
3:58helping my family out he says yeah guys
4:01I figure worst case all come on board
4:03learn about money and finances it'll be
4:04a win-win for my family so I got started
4:06part-time uh I got licensed in one month
4:09within four months but hired my wife she
4:11didn't make crazy income she made about
4:132500 bucks a month but one year for my
4:15start day I left Apple so it wasn't some
4:18get rich quick scheme or some overnight
4:20sensation and took some hard work and
4:22dedication but fast forward today God
4:24has definitely blessed us guys we have
4:26we have offices across the country from
4:27Riverside California to Columbus Ohio
4:29we're in Memphis Tennessee we're in
4:31Atlanta Georgia we're in Charlotte North
4:33Carolina guys we're actually heavily
4:34saturated in the D.C marinara GM Market
4:37from from Gaithersburg to Annapolis to
4:40the Silver Springs area all the way down
4:42to Fredericksburg guys we also have
4:44teams and offices in Connecticut and
4:45Brooklyn New York so but enough about me
4:47right you're here today watching this
4:49YouTube video on this channel saying hey
4:50what is PHP agency what do you guys
4:53actually do so PHP H is guys we're an
4:55fmo we're a financial marketing
4:57organization what we do is we Market
5:00Financial products on behalf of
5:01companies like National Light Group AIG
5:03audience and other Fortune 1000
5:05companies and right now it's a huge
5:07shift taking place in our industry these
5:10companies are actually shrinking they're
5:11struggling to reach different markets
5:13why well today the average agent in this
5:15industry is a 61 year old Caucasian male
5:18no nothing wrong with being 61 or being
5:19white but here's a problem he's got one
5:21foot in one foot on he's about to retire
5:23now these companies do not care what
5:26color you are how old you are or where
5:28you come from all they truly care about
5:30is the distribution of financial service
5:32products but they know people normally
5:35buy from people who look
5:37talk and act like them so the average
5:39agent is a 61 year old Caucasian male
5:42who's usually marketing to probably
5:45people from that demographic so who's
5:47being left behind you've got gen xers
5:49right they're in their 40s and early 50s
5:51being left behind when it comes to
5:52financial education around money and
5:54finances you have the Gen Z's they're in
5:56their teens and 20s not being targeted
5:58when it comes to financial literacy you
6:00got Millennials in their late 20s 30s
6:03and early 40s not being taught to about
6:05how money works and of course you got
6:06minorities and you have women so today
6:09guys PHP agency we're in a very unique
6:11position one of the most diverse
6:12financial services companies in the
6:14country
6:15um our CEO's name is a guy named Patrick
6:17Bet David here he's a residential on
6:19YouTube called valuetainment one of the
6:21best challenge out there for
6:22entrepreneurs and our mission our
6:24Crusade here is very simple saving
6:26America by bringing back free enterprise
6:28and hope to American family we believe
6:30that more Americans operating in free
6:32enterprise will solve most of the
6:33problems in our communities the
6:34challenge is no one's teaching us how
6:36business works today
6:38so our company is very diverse man one
6:41of the most diverse companies in the
6:42industry like I said earlier and so
6:43we're actually 54 female right this is a
6:46good old boys club type industry we're
6:48dominated by women here at PHP and you
6:50see our company is also 42 Hispanic 32
6:52African-American about 13 Caucasian and
6:551.2 percent other our number one income
6:58earner is an African-American Caucasian
7:00female Nations Apollo making over 2
7:02million dollars a year in our industry
7:03guys again a woman of color who's a
7:06millennial is a ties is one of the
7:08highest income owners in our company as
7:10you can see here our company is super
7:11diverse these are our top Executives at
7:14the firm here from African American to
7:16Nigerian American to Dominican
7:17Mexican-American Salvadorian Puerto
7:19Rican Cuban Caucasian Ecuadorian Jewish
7:21and Caucasian guys we're we're a
7:23different type of company that wants to
7:25attract a different type of agent so
7:27imagine I said hey obviously we're
7:29talking about financial services here
7:31guys to talk about insurance of all
7:32things right if I said hey let's go to
7:34an insurance conference tomorrow morning
7:36how would that sound
7:37Probably sounds pretty freaking boring
7:39right who wants to go to an insurance
7:40conference right but our conferences are
7:42a little different well if I said we'll
7:44have Kevin Hart out there we had Kevin
7:45Hart come out to one of our conferences
7:47chocolate dropped himself to his
7:48irresponsible tour at a PHP conference
7:51the late great Kobe Bryant came up to a
7:52conference a couple years back we've had
7:54Shaquille O'Neal we've had Magic Johnson
7:56George W bush has been out to our events
7:59guys we're a different type of company
8:00that wants to attract a different type
8:02of agent so anyone working with us
8:04believes in and buys into
8:06entrepreneurship now as entrepreneurs I
8:09don't care what you sell what product
8:11you offer what you do for money as
8:13entrepreneurs we get paid based off the
8:16size of the problems we saw we're
8:18solving three problems here at PHP
8:19agency one is called distribution guys
8:22I do not resemble the typical agent in
8:24our industry I have access to an age a
8:26market that the average agent has a hard
8:28time getting to therefore these
8:30companies that can be ready will teach
8:31people who look talk and act like me
8:33about money and finances whether you're
8:35a woman whether you're a gen z a genexor
8:37you have access to a market that
8:40Nationwide John Hancock AIG these
8:42companies want access to they'll pay you
8:44well they'll teach people who look talk
8:46and act like you about money and
8:47finances that's the first problem we're
8:49solving second one guys is just going to
8:51be financial literacy we don't learn how
8:54money Works in America today most of us
8:56learn from what the School of Hard
8:57Knocks making mistakes in our 20s and
8:59our 30s trying to recover by our 40s to
9:01get back on track in time for a time
9:03apart 50s and 60s not the best wisdom
9:05but it's all we know we teach financial
9:07literacy here how's your 401k work your
9:10403b IRA Roth IRA what's tax code 7702
9:14what's an infinite banking concept how
9:17does taxation and inflation impact your
9:19retirement and your wealth simple
9:20financial terms teacher here and last
9:23not least guys
9:24it's just entrepreneurship I don't care
9:26how old you are in America today if
9:28you're saying man Chris I want to open a
9:30business man you have to attract two of
9:33the largest living Generations they're
9:35called gen Z's and Millennials and
9:38they're different man they're born
9:39between 1981 and 2010. most of them
9:42don't want to work at a job for 40 years
9:43for a 401k for 45k a year they want to
9:46travel live their best life get paid
9:48what they're worth and have an impact on
9:50their community in the world last time I
9:52checked that's very hard to do behind a
9:54desk or a kiosk it requires
9:56entrepreneurship it was teaching
9:58entrepreneurship no one really is so if
10:00you're wondering okay cool Chris made a
10:01great introduction like how are y'all
10:03solving these problems right one of the
10:05first Concepts we teach here at PhD guys
10:08is truly about money but not just money
10:10guys more importantly how does money
10:12grow I don't care how much money you
10:14have or how little you have your money
10:15is growing three ways right it's either
10:17going to fix variable or Index this is
10:21one of the first Concepts we teach our
10:22clients involved in our workshops guys
10:24so there's pros and cons to each way
10:26when it works right there's a plus
10:27number minus two the first one here is
10:28going to be called Fix what's fixed it's
10:30going to be your bank checking account
10:32your savings your CD money market the
10:35shoe box upstairs some people still have
10:37money and shoe boxes right now what's
10:39the plus to put money in a shoe box or a
10:41bank
10:42safe man the bank is backed up by the
10:44FDIC up to a quarter million dollars
10:47deposits right your money's safe in the
10:48bank what's the downside to the bank
10:51low to no growth anywhere from zero to
10:54one percent if you're lucky right one of
10:56the biggest challenges you face in the
10:58banks is something called inflation
10:59right you have inflation risk so
11:01inflation is currently around 8.8
11:03percent you're actually losing money by
11:06saving it in a bank right looking at a
11:07growth chart here this is how it looks
11:09you got slow growth over time not the
11:12best place to actually grow money but a
11:15lot of us are tall hey get a CD get a
11:17money market get a high yield savings
11:19account put a ton of money in there
11:20right then the second one here is called
11:22variable most of my clients who own a
11:24variable account they only do to an
11:25employee sponsored account maybe you
11:27have a 401k out there or 403 b tsp 457
11:30Deferred Comp maybe you have a an a Roth
11:33IRA or an IRA maybe you own some
11:35cryptocurrencies you're saying Chris I
11:37just buy individual stocks through
11:39Charles Schwab or Fidelity right maybe
11:41you own some real estate property at
11:42Airbnb rentals right these are all
11:44variable accounts they're great to have
11:46right one of the what's the plus to
11:47owning your rental property or to having
11:49some stock in Apple or having a 401K you
11:52can experience growth in the market 100
11:55now what's the downside to sometimes
11:58owning real estate or having stocks or
12:00having a 401k
12:02what goes up at some point must come
12:05down you can lose all or a portion of
12:08your money in a variable account guys
12:10right looking at the last year of this
12:12Market we're currently shooting soonest
12:13guys in the year 2022 and the Market's
12:16pretty volatile right now man down the s
12:18p is down plus negative 20 and so here's
12:21Honda market for the last 18 months kind
12:23of up down up up down up down crash the
12:27real question is this how much money can
12:29you afford to lose most of my clients
12:32say none so the last one here is index
12:35now index is not as popular as fixed and
12:38variable why
12:40remember the average agent marketing
12:41index products is not reaching all
12:43markets most of my clients never even
12:45heard of it it's called a fixed index
12:47annuity or index universal life fixed
12:50index annuity or index universal life
12:54These are both Insurance products guys
12:56insurance has a disposition to not lose
12:58value you have a contract argument
13:00saying you're guaranteed to never lose
13:02money in its accounts the plus is pretty
13:04obvious it is absolutely safe
13:07what's the catch there's got to be a
13:09catch right I always heard this guy be a
13:10catch there is a catch it's usually
13:12capped on growth I use a simple example
13:14here of zero to nine percent what does
13:16that mean you won't get below zero you
13:18won't lose any money but you won't be
13:19above nine percent growth your cap is
13:21nine your floor is zero now when we say
13:23index what does index mean we say index
13:26me is tracking an index it's tracking
13:29something what does that mean let's just
13:30say it's tracking what we call the S P
13:32500 some of your most popular stocks on
13:34the market from American Express to
13:36Microsoft to you have apple Tesla Amazon
13:40Netflix all these big Brands right let's
13:42imagine you said Chris I want to grow
13:44some money tied to the performance of
13:47Procter and Gamble of Walmart Coca-Cola
13:49these big Brands you can do that here
13:51now let's say the S P 500 was up
13:54positive 20 percent
13:56it's a pretty solid year what would you
13:58experience in your iul and growth well
14:00the market did 20
14:02you're kept at nine you will get nine
14:04percent that's the downside to going
14:06index you only got nine percent you
14:08could got 20. now still way better than
14:11the bank but not quite 20 let's say the
14:14following year the Market's up eight
14:15percent solid Euro growth I'll take that
14:17if the market was up to eight percent
14:19the S P 500 you had the money in the eye
14:21you will what would you experience your
14:23cap is nine marketed eight you get all
14:25the games of the market that year right
14:28all the games are finally risk now the
14:30following year let's just say we had a
14:32repeal what happened back in oh wait
14:34subprime loans housing market crash
14:36right sort of what's happening right now
14:38in the year 2022 different scenario but
14:40saying the losses are taking place as we
14:42speak let's say that market was down
14:44negative 38
14:46how much money would you lose in your
14:49index
14:49zero zero is your hero you don't lose
14:53money in the index guys looking at a
14:55grocery probably when it has that even
14:57possible here's how it looks when the
14:59Market's up you're up when it's down
15:00here flat up you're up down your flat up
15:04you're up down your flat so forth and so
15:07on locking in your gains and keeping
15:09your principal protection in place right
15:10so looking at all three ways money grows
15:13here if you had an opportunity to go
15:15money for your family's future for your
15:17next down payment for a house to invest
15:20into real estate college for your kids
15:21retirement plan whatever it may be where
15:24would you put most of your money would
15:25you put in a fix
15:27would you put in a variable or you put
15:29in an index
15:31most of my clients say index
15:33some say fix if you say variable I
15:36believe in all three
15:37if someone says put all your marbles in
15:39one basket I'll be careful about that
15:41guys when it comes to fixed accounts
15:43well we enjoy the safety man we work
15:45hard for our money and no one wants to
15:46lose money but we don't like the low
15:48grow what should be in there anywhere
15:51from three to six months of your monthly
15:53expenses whatever your bills are a
15:55monthly add that up times three is six
15:56you want to have a cash Reserve in the
15:58bank just in case an emergency you
16:00wouldn't have cash on hand now when it
16:02comes to our variable accounts we enjoy
16:04the growth of our 401k or tsp IRAs but
16:07we don't like losing money so what's be
16:09in there it's really based off three
16:11factors your age your income and your
16:14wealth the older you get the less money
16:16you want to risk in a variable account
16:18if you're close to the retirement not
16:20going to retirement's Door you lost half
16:21your portfolio what do you do you work
16:23five more years it's not safe now if you
16:25possess great wealth you make great
16:28income take some risk in the market you
16:30could afford to lose something it's
16:32really based off each individual person
16:34and the last one here guys is index it
16:37say safe and it grows
16:39Connor has the best of both worlds you
16:41ever heard of a guy named Warren Buffett
16:43I'm sure you have right Warren Buffett's
16:44the financial Guru Deca billionaires all
16:46these books on money and finances if you
16:49ever read a book or an article from
16:50Warren Buffett he's got two rules of
16:52money his first real money is this
16:55do not lose money okay it makes sense
16:59check off right don't lose money rule
17:01number two
17:02do not forget rule number one he keeps
17:06it quiet simple just don't lose money
17:08here's a problem though guys if you're
17:09like me growing up most of us already
17:11talked alternative about money if I ever
17:13talk hey get a get a 401k and a checking
17:16account get a 403 being a savings get
17:18some CDs and money markets accounts and
17:20some stocks or some bonds and mutual
17:22funds right that's all we're taught when
17:24he's saying don't lose money he's not
17:26saying put in the bank no he's saying
17:28something called principal protection of
17:30your wealth and your money what does
17:31that mean let's imagine we all had a
17:34hundred bucks I'm gonna give you today a
17:35hundred dollars there you go right and
17:37we said let's invest 600 bucks into a
17:39stock into a property to a variable
17:42account whatever it may be
17:43cryptocurrency and that account goes
17:45down negative 50 percent
17:48how much money will we have left well we
17:50had 100 bucks lost 50 lost half of it
17:53we're at 50 right makes sense let's say
17:56whatever that account was Mark the real
17:59estate market cryptocurrency it bounced
18:01back up the following quarter it was
18:02back up 50 percent
18:03where are you at now
18:06if you said 100 bucks that first look
18:08take one more look at it
18:10says 75 you were absolutely right you
18:14got 50 of 50 which is 25 what does that
18:17show us whenever the market has a
18:19correction
18:20it takes twice as much growth what was
18:22lost to get back to square one that's
18:25why in most cases not losing money got
18:28to be more important than making money
18:29so as you wrap up here guys on these
18:31three ways money grows I have a question
18:33for you what do you currently have now
18:35how are you currently growing your
18:37family's wealth or saving money right if
18:39it comes to fixed accounts when I ask my
18:41clients do you currently own any fixed
18:43accounts guys nine out of ten say yeah
18:45second one here is variable when I ask
18:46my clients do you currently own any
18:48variable Accounts at our 10 say yeah
18:50they have a 401K retirement account they
18:52have a pension they have a 403b tsp some
18:54stocks right uh when I ask my clients do
18:57you currently own any fixed index
18:59annuities or index Universal light plus
19:02guys guess what 8 out of 10 to say they
19:05say no when I ask them why not they say
19:07Chris quite frankly I never heard of it
19:09so if that's you watching this today
19:11saying me and Chris I've never heard of
19:13an iul or a fixed index and I highly
19:16suggest whoever should this video to you
19:18guys reach back out to and say hey man
19:20I'm just open to learning more about how
19:23money grows if that to you Washington's
19:26today what we'll do is something very
19:27simple we'll set up a second appointment
19:29guys and just really just ask questions
19:31about what's important to you is it
19:33retirement planning long-term savings
19:35college for kids
19:37um buying your first investment vehicle
19:38in real estate buying your first home
19:40taking care of your aging parents what's
19:42important to you we'll show you how an
19:43indexing strategy could potentially
19:45bring value to your family financially
19:47now we've learned the three-ways money
19:49grows right the next line of sequence is
19:52very simple okay I know how money grows
19:54now it grows fixed or grows very very
19:55gross index very simple I broke it down
19:57Chris thank you I understand next
19:59question is this where should we put our
20:02money there are five homes of money out
20:05there five financial institutions to put
20:07your money into right we call the five
20:09homes of money here free agency the
20:11first one's going to be the bank bank is
20:12very simple right checking account
20:13savings account we all have Banks right
20:15our credit unions the second home is
20:17going to be the stock market right it's
20:18going to be your individual stocks going
20:20to include cryptocurrency Forex markets
20:22all that great stuff thorough is going
20:24to be qualified plans that's your
20:26employee sponsor account your pension
20:28your 401k tsp Ira all that good stuff
20:31that four host will be real estate
20:33invest into real estate flips wholesale
20:36um Airbnb rentals units all that great
20:39stuff and then you have something called
20:40life insurance now before choosing which
20:43home is right for you there are five key
20:46characteristics to look at when using
20:48these homes the first one is called
20:50liquidity liquidity states do I have
20:52access to my money within 24 to 48 hours
20:54is my money liquid if I need it by
20:57Thursday by Friday it's Tuesday it's
20:59Wednesday can I get it right two is
21:01going to be something called Safety or
21:02principal can you guarantee me if I have
21:04money in this home I will not lose any
21:07of my principal value or balance and
21:09then you have taxes right you have tax
21:11deduction that says hey if I put money
21:13into that home does it bring my taxable
21:15income down for the year and then tax
21:17advantage says hey once the money's in
21:19that home how does the IRS treat it it's
21:22a tax now tax later or tax never now if
21:27you can be taxed now your money in that
21:29home now later or never what would you
21:31pick most people say never will show you
21:34the day of strategy how the wealthy
21:36avoid taxes on their growth and the last
21:38one here guys is going to be just growth
21:40now when we say growth we don't mean 2.5
21:42percent one and a half percent growth to
21:45us means this does that account does
21:47that home outpace inflation if it's not
21:51outpacing inflation or I can't do it
21:53potentially it's not really growing so
21:55before moving forward guys you see here
21:57very simply put above each home we have
21:59either an F an f a v or an i we just
22:03learned how money grows in this video
22:04here right today's money grow we know
22:06money grows fixed so banks are f for fix
22:08the stock market your qualified plan
22:10real estate are all B for variable kind
22:13of up and down and then life insurance
22:14is I for an index here's what we'll do
22:17guys we'll keep it very simple here what
22:18we'll do is look at it to the left and
22:21we'll put a plus
22:22and every box that shares those
22:24characteristics and a minus if it
22:26doesn't at the very end add up all the
22:28scores and see which home has the
22:29highest score so first one here the
22:31first line here guys is called liquidity
22:33liquidity is very simple to have access
22:34to cash even 20 for the 40 hours it's a
22:37bank liquid
22:39absolutely right we have a checking
22:40account savings account we have an ATM
22:42card we can go to ATM get cash from our
22:44accounts whenever you want now what
22:45about the stock market is the stock
22:47market liquid it actually is some say no
22:50because technology over the last 10
22:52years you can do chug trading on E-Trade
22:55you have you have your Robinhood account
22:57um all these different accounts right
22:58acorns you can go sell uh say your
23:00cryptocurrency on coinbase and get
23:02access to your cash fairly quickly
23:03nowadays now what about my qualified
23:05plan is my 401k liquid it's my pension
23:08liquid absolutely not right not only not
23:12not until qualifying age can you
23:14actually get access to the cash in your
23:15account and then two if you put money
23:18out prematurely you'll get hit with some
23:20pretty hefty taxes federal taxes state
23:22taxes and federal penalty so this is not
23:26look at funds and you could borrow money
23:27from a 401k I know many clients who have
23:29done in the past but that money has to
23:31be paid back if not you're paying those
23:33abilities and the fourth one here guys
23:35is going to be real estate real estate
23:37is definitely not liquid and imagine if
23:39you had a 60 unit apartment complex you
23:41needed cash tomorrow the next day 20 48
23:44hours
23:45they're taking some time to do a short
23:47sale to get rid of that property right
23:48real estate's one of the best
23:50investments to actually have 100 the
23:52whole long term but not very liquid and
23:55the last one here guys is life insurance
23:56is life insurance liquid mostly it's not
23:59it actually is if you got cash value in
24:02a life insurance policy you have access
24:04to your surrender value you can actually
24:05put the cash in that policy at that time
24:07to do what you want with it right and
24:09it's absolutely liquid that money is in
24:11your account within two in within one or
24:13two days now next line here guys is
24:15going to be safety of principal remember
24:17safety of principal can you guarantee me
24:19I cannot lose any value in that account
24:21the bank is definitely safe up to the
24:23the threshold of a quarter million
24:25dollars according to the FDIC can you
24:27guarantee safety in the stock market
24:30absolutely not right the Market's kind
24:32of up and down is very variable uh now
24:34looking at the looking at my qualified
24:36plan can you guarantee me safety in my
24:38401k my tsp my 403b what is the stock
24:42market what is it what is your 401k tie
24:44to
24:45majority of 401ks are types of the stock
24:47market because the Market's up and down
24:49your 401k is also up and down it is
24:51variable up and down so you can't
24:52guarantee safety there when it comes to
24:55real estate can you guarantee me safety
24:57in the real estate market we made an
24:59investment on the property it's not
25:00going to lose value guaranteed
25:03we all know real estate over the long
25:05run grows it appreciates you but you
25:07cannot guarantee me their appreciation
25:09in this season and then we have
25:11something called life insurance now is
25:12life insurance safe it's Index right the
25:14floor is zero depending on what policy
25:15it is especially if it's an index
25:17universal life insurance policy it is
25:18absolutely safe at the floor is zero
25:21percent now the next line here guys is
25:22taxes now taxes are a huge part of not
25:25only Building Wealth but also preserving
25:27and keeping it right and so when it
25:29comes to the comes to the bank so the
25:31banks offer any tax deductions or
25:33advantages
25:34absolutely not the bank is the bank
25:36right what about now when it comes to
25:38the stock market is there a tax
25:39deduction in buying stock or selling
25:42selling stocks right no not at all
25:44there's no tax deduction you will pay
25:46capital gains taxes and sell those those
25:48stocks so you there's no tax Evans on
25:50the back end now what about the stock
25:52what about my 401k my qualified plan my
25:54IRA is there a tax deduction when it
25:57comes to 401ks absolutely most Americans
26:00partaking this right ice work for Apple
26:03let's say I made 100K at Apple right and
26:05I put 15K into a 401k
26:08boom our on paper I made 85 000 because
26:13payroll deduct pre-payroll deductions
26:15like I had deduction on that account 15
26:16grand went into my 401k this is great I
26:19made 85 Grand paper put me into a
26:21potential lower tax bracket that's what
26:23most of us do is that a good thing or a
26:25bad thing obviously that's a good thing
26:27right yes it is but wait for a second
26:29let me ask you a question how do you
26:32feel about taxes
26:33our taxes going up are going down taxes
26:37are going up in America they go always
26:38go up historically I don't care if it's
26:40a a democratic uh um um party or the
26:44Dems are in in power or the Republicans
26:45are in power it doesn't really matter
26:46taxes always increase so if me and you
26:49can agree taxes are always increased
26:51historically the last hundred years
26:53walk me through this explanation really
26:55quick I have a 401k at Apple I put 15
26:58grand to a 401k and that count grows
27:01over the years I saved digitally after
27:03my 30s my 40s 50s early 60s I saved 1.2
27:08million dollars in my 401k so you got
27:101.2 million 401K great job now you get
27:13taxed in the future on that money when
27:15taxes are higher
27:17um who does that benefit
27:20not us Uncle Sam
27:22then why do we do it
27:24it's all we know for most of us right
27:26get a 401k at a job you know
27:29um and employ new payroll enrollment HR
27:32all that great stuff you buy into the
27:34401K your 403b your tsp and before you
27:37know it you're 62 years old you're not
27:39gonna retirement store you got 800k 1.2
27:42million or 401K that has not been
27:44touched yet and it's going to be taxed
27:46and we know taxes are increasing our
27:48country so what do we do some people say
27:50Chris I'm aware of that guess what I
27:52have I have a Roth I have a raw 401K so
27:55the raw 401K here guys is going to be a
27:57tax advantage right it says hey man tax
28:01me today I'm aware of this I want to
28:03grow my tax free retirement tax free so
28:06my Roth IRA grows and when I retire in
28:08the future that's all of my money I
28:10don't care what's happening in Congress
28:11I am not going to be taxed at Future tax
28:14rates there's one problem about the Roth
28:16if I raise God they're phenomenal
28:17products right here's a problem
28:19there's a limitation on them
28:21six thousand dollars a year if you're a
28:23qualifying age you can catch up to seven
28:25thousand dollars a year so you can't put
28:27too much away there if you make too much
28:30money you don't qualify for it so if you
28:32make too much money you don't qualify
28:33for it and you can't qualify for you
28:35can't save too much so
28:37it is definitely limited on what it can
28:39do for you and there's no liquidity
28:41there because you can't you can only
28:43touch the money you put in not the
28:44actual growth of a Roth IRA but great
28:46product for most people next one here
28:48guys is going to be real estate now this
28:50real estate offer a tax deduction
28:51obviously it says no here most people
28:54say it does
28:55the purchase of a real estate property
28:57does not offer a tax deduction but the
28:59ownership absolutely does that's called
29:01a tax advantage you can write off the
29:04appreciation of the house the
29:05depreciation house you can write off the
29:06interest the taxes it's great owning
29:10real estate from a tax perspective now
29:12the next one here guys is going to be
29:13life insurance does life insurance offer
29:16a tax deduction
29:18it does not offer that when it comes to
29:21regular um payments being paid right if
29:22you're if you're a civilian or not
29:24civilian but you're a if you're a client
29:26who is putting money into a policy
29:28you're paying your monthly premium you
29:30cannot write that off now if you were a
29:32corporation you could do something
29:34called an executive bonus or a double
29:36bonus where the C Corp pays cash through
29:40a payroll to a c-level executive like
29:42the CEO or or CIO or CFO and that is
29:46considered an executive bonus where it's
29:47a right off of the corporation
29:49a double bonus so that the taxes are
29:52paid you can care for by the corporation
29:53for the employee but that's not most
29:55people who have fallen to have that
29:57realm for most employees out there most
29:59most in clients out there they're not
30:01getting any tax deduction on insurance
30:03policy but they are getting a tax
30:05advantage similar to a Roth IRA the cash
30:08and the life insurance policy falling
30:09under tax code 7702 does grow tax-free
30:13you have tax-free access to that money
30:16and there's no limits on contribution
30:18save 100 a month or save a thousand a
30:20month put in 10 000 a year or ten
30:22thousand No Quarter totally up to you on
30:24what you want to set aside in that
30:26policy if property structured it can be
30:29a phenomenal tool to the Building Wealth
30:30now the last line here guys is real
30:32simple this is growth when we say growth
30:34we mean growth right uh does it outpace
30:37inflation the bank cannot all face
30:40inflation obviously but the rest of
30:41these accounts actually can when it
30:43comes to the stock market when it comes
30:44to qualifying plans and real estate
30:46Insurance these all have the ability to
30:48outpace inflation so as you wrap up five
30:50pounds of money here we see that banks
30:52have a score of two out of five banks
30:54are good for two things
30:55liquidity and safety have you access to
30:58my money it being safe the stock market
31:00is also good for two things liquidity
31:02can be access to cash fairly quickly and
31:04growth it can def it can definitely
31:06experience great growth in the stock
31:07market and then you have your qualified
31:09plans which is good for really it says
31:11three here but really two out of three
31:12you can get Roth and non-roth and one
31:15one brokerage account but not on one not
31:16in one fund and so you have a score of
31:18three out of five here it's great for
31:20from a tax advantage in tax deduction
31:22and offer some good growth but it's not
31:24liquid it's not safe and then you have
31:26and you have real estate here
31:28which is a very popular way to build
31:30wealth but it only has a score of 12-5
31:31it's more of a long-term thing you got
31:33great tax advantages and growth no
31:35liquidity you can't guarantee me safety
31:38or Prints but there aren't any true tax
31:39deductions and the last one here guys is
31:41life insurance
31:42life insurance has a score of 4 out of
31:44five
31:46it's liquid it's safe
31:48offers tax advantages and growth
31:51now prior to this video would you have
31:53ever thought that life insurance could
31:55be the best home to build wealth in most
31:57people say no to that answer right what
31:59the heck life insurance guys but let me
32:01give you a quick preview
32:03have you ever heard of a concept called
32:05bully
32:07b-o-l-i boli look it up Google it put it
32:10in your web browser today so after this
32:12video guys type it in take your notes
32:14boli bio live bank owned life insurance
32:16let me ask you a question why does Bank
32:18of America Wells Fargo JPMorgan Chase
32:21Citigroup
32:23um U.S Bank in truest have billions and
32:27billions of cash and life insurance
32:31why what do they know this here life
32:34insurance offers them the ability to
32:36have liquidity on their funds to offer
32:38to have safety to have a growth and tax
32:40advantages so we make our deposits to
32:43our bank every two weeks railroad
32:45payroll
32:47we would pop with a positive debate the
32:49bank leverages life insurance to build
32:50wealth for our money and what do we get
32:52we get some liquidity and we get some
32:54safety but they T they keep the tax
32:57advantages and the growth so we're
32:59saying man Chris
33:00I'm open to learning more about that
33:02fifth home of money I highly suggest
33:04whoever sent this video to you guys give
33:07them a call back when they text you how
33:09you have you watched the video say yes I
33:10did and here's what's next for you this
33:12is next few because you have to take
33:13your your finances into your own hands
33:15say hey I'm open to a follow-up simple
33:18as that and what we'll do is simple just
33:20teach you more about how this policies
33:22these policies work if you've never seen
33:24an infinite banking concept before you
33:25ever seen Max fun at iul or alert life
33:28insurance retirement plan I highly
33:31suggest you say hey I'm open to a
33:33follow-up just to learn more and based
33:35off how that second appointment goes in
33:37the future if you want to look at more
33:39serious plans we'll show you a plan and
33:41strategy for your family's future guys
33:42so now you've seen exactly how we serve
33:44our families how we educate them on
33:46money and finance guys maybe you're
33:47someone saying man Chris
33:49how do you guys get paid here I'm
33:51looking for a side hustle man I'm
33:52looking for a new career I'm looking for
33:53a way to make extra income Chris you're
33:55worth that Apple walked away from Apple
33:56you're doing this thing filtering you're
33:57traveling the world man you've been to
33:59just in the last 18 months you've been
34:01to Tulum Cancun you've been a Monaco
34:03I've been to Paris I've been all around
34:05the country right so how can I do what
34:08you do daily and serve families guys so
34:10our Crusade here is very simple we
34:13believe the most simplest way to pass
34:15something in Legacy
34:17is not by being a real estate tycoon or
34:19a businessman
34:21let's do a simple product called life
34:23insurance right so imagine you said
34:25Chris
34:26I'm open to earning a secondary income
34:28as a life insurance agent I never
34:31thought my lifetime I would ever say
34:33that I'm a life insurance agent and
34:35sound so freaking boring but trust me
34:37we're a different type of company that
34:39wants to attract a different type of
34:41agent so what do we do here very simple
34:43we teach families about life insurance
34:45and how it works there are three main
34:47life insurance policies out there the
34:50first one is called a term now a term is
34:52for a term for a period of time for most
34:54companies anywhere from 10 to 30 years
34:56some say 35 years right let's see your
34:59client says hey man I want a 30-year
35:01term I want a half a million dollar
35:02deficit if I die my family's protected
35:05great
35:06it's a great product it's going to cost
35:08them about 50 bucks a month for this
35:09policy now this is for our average
35:11middle-aged meal he's paying 50 bucks a
35:13month for the policy in this example
35:15AIG says ma'am sir thank you for this
35:19introduction we have a hard time finding
35:21families in diverse markets we're going
35:23to advance you what the client is paying
35:26times 12. which is about 50 bucks a
35:28month time soil coming from the
35:29insurance company's Pockets they're
35:31going to pay out 600 times our average
35:33contract care of 50 you're going to make
35:36300 bucks in less than two hours of work
35:39and tell me what kind of job pays that
35:41kind of money in two hours of work
35:43some jobs do but most don't that's
35:44really good income now that's good
35:46income for you the agent what's in it
35:48for our client
35:49it was pretty cheap right looking at 50
35:52bucks for a half a million dollar
35:53definitely fit that's really that's
35:55really inexpensive
35:56what's the downside to it well this
35:58policy expires
36:00that client buys his policy at age 30
36:02and 30 years he's 60 years old now
36:04you're healthier at 60 years old or 30
36:06years old
36:07most of you guys will agree are probably
36:09healthy at 30 years old right and so at
36:1260 let's just say life wasn't perfect
36:14let's say you still need life insurance
36:16let's say go term invest arrest didn't
36:19work out well for you life happened
36:20you're like man I have liabilities I
36:22have a mortgage I have a a son
36:25granddaughter I gotta take care of you
36:27need insurance
36:28what do you do you get a policy at 860.
36:31it's going to cost you a lot more than
36:33age 30. so this is great for some people
36:36it's very inexpensive man I love term
36:38insurance but it's not a one size
36:39fits-all for everybody
36:41the next one here is called ROP term let
36:43me give you an example of how it works
36:44pretty cool right let's imagine you
36:46drive right maybe you're driving right
36:47now and you're with Progressive All
36:49State farmer that's to say I'm calling
36:51you from Progressive Insurance I said
36:52hey
36:53I have a new type of car insurance
36:55policy for here's how it works next five
36:57years you have an accident I'm going to
36:59cover you like always take care of your
37:01car fix that scratch replace your bumper
37:03get you a rental you're in good hands
37:05however next five years you drive safe
37:08you have no accidents I'm gonna give a
37:10full refund of all your past monthly
37:12premiums no would you sign for that
37:14policy I know I would knock on wood
37:16right uh obviously that doesn't exist in
37:19car insurance right but then we always
37:21have it but it does exist in life
37:23insurance it's called ROP term return
37:25return of Premium so you're saying
37:27client says hey man I love how that
37:29sounds like my money back you know what
37:30I want a 30-year term I want a half a
37:32million dollar debt benefit what's the
37:34catch it's gonna cost a little more
37:36about 100 bucks a month so the price
37:37almost the price doubled but the client
37:40said you know 100 bucks a month is worth
37:41what I can get from this so he's paying
37:43100 a month for this policy Mutual of
37:45Omaha one of the largest companies out
37:47there says hey thank you for this client
37:49introduction we're going to advance you
37:51what the client's paying times 12 which
37:53is about 100 times 12 which is going to
37:55be 1200 bucks times our average contract
37:58at 50 you're making 600 in less than two
38:01hours of work now yeah so again what
38:05kind of job pays that kind of money in
38:06less than two hours work most jobs don't
38:09in America that's really good income for
38:10two hours of work now it's good income
38:13for us as an agent what's in there for
38:14our client our client paid 1200 bucks a
38:16year Faithfully for insurance life
38:18insurance
38:19they paid over 36 000 into an insurance
38:23policy but they did not die
38:25at the end of 30 years your client gets
38:28all that money back in a full refund tax
38:30free
38:32no before watching this video that you
38:34know you could buy a life insurance and
38:37if you don't die get all your money back
38:39most people don't know that so if you
38:42don't know do your loved ones co-workers
38:44and friends know about it probably not
38:47so you don't know them they don't know
38:48who's going to teach them
38:50man it's got to be you
38:53it's Gotta Be You I knew working at
38:55Apple I said man this is phenomenal
38:57information my community has no clueless
39:00even exists
39:01and so most people would not mind buying
39:04life insurance if they knew they're
39:05going to put a refund the challenge
39:07should they'll know any better so the
39:08plus is refund but the downside is this
39:10policy still expires so you get that
39:13chat bad which is lovely but you may
39:14still need insurance going into your 50s
39:1860s and early 70s
39:20and so this is not one size fits all
39:22it's very popular amongst real estate
39:24agents A lot of my guys who are actually
39:25working for real estate agents because
39:27they call this home mortgage protection
39:28why I'm a I have a wife and kids I get a
39:32house if I pass away who's paying the
39:34mortgage this policy covers the 30-year
39:36mortgage 20-year mortgage but if I don't
39:38die which I don't plan on dying I get
39:40every dollar back a great way to protect
39:43your to actually protect your uh your
39:44assets and liabilities when it comes to
39:46homes
39:47the last one here guys as you wrap up
39:49it's going to be something called I you
39:51will this is that Third Way money grows
39:54in that fifth home of money now let's
39:56imagine you were in the market for life
39:58insurance yeah you watch this right now
40:00you're in the market for life insurance
40:02if you were in the market for life
40:04insurance how long would you want life
40:06insurance for
40:08most people want life insurance like
40:12for life not 13 years not 18 not 25 not
40:1630 for life so
40:18our client says Hey I want life
40:20insurance for life they want a permanent
40:22policy they want a half a million dollar
40:23debt benefit they're going to pay a lot
40:25more for this about 250 bucks a month
40:28for this policy but if property
40:30structured this could replace their 401K
40:33tsp Ira or Roth IRA so your clients put
40:37on weight 250 a month American national
40:39income says thank you once again for
40:41this introduction we have a hard time
40:43finding clients in diverse markets we're
40:45going to advance to what the client's
40:47paying times 12. 250 MF times 12 which
40:49is about three thousand dollars times
40:51our average contract of 50 you're going
40:54to make 1500 bucks in less than two
40:56hours of work I asked you again what
40:59kind of job
41:00pays that kind of money in less than two
41:02hours
41:03not many jobs that's good income for our
41:05client for our agents here at PHP agency
41:07but that's not the only reason why I got
41:09started have you ever heard of a concept
41:11called residual passive income or just
41:15passive income if you have know what
41:17it's about guys I read a book from a guy
41:19named Robert Kiyosaki uh called Rich Dad
41:22Poor Dad about 15 years ago and this
41:24book his wife wanted to buy a car and he
41:27asked her he says hey if you want if
41:28you're gonna buy Mercedes-Benz your
41:30passive income has to make pay for it I
41:32said her passive income what does that
41:33even mean she went out there and hustled
41:35got apartment complexes duplexes rented
41:38it out and gets the rental income pay
41:40for her car payment I said man I need
41:42rental income I gotta get into real
41:43estate but guess what guys life happened
41:45I'm working at Apple I don't have that
41:46and I came across insurance
41:49and he broke it down for me it made
41:51sense to have value in it said Chris you
41:53get paid here pretty good I said y'all
41:54see man 15 words that's good money so
41:57you also get a residual passive what are
41:59you talking about you'll get four
42:00percent Chris of your clients annual
42:03payment here for the next 10 years what
42:05do you mean by that they'll pay you four
42:07percent for the next 10 years in some
42:09cases longer than that
42:10that's about 120 bucks a year so I get
42:13paid 1500 up front
42:15120 next year the following year and the
42:18following year and the following year
42:19and the following year I said wow
42:22that adds up like anything in life
42:26you try in the beginning you probably
42:28suck at it you grow you get better you
42:30get better I get to a point where I'm
42:32helping a couple clients per month
42:34I get better a couple clients per week I
42:37improve a couple clients per day
42:40that's it took 100 bucks a month to a
42:42thousand a month 1800 a month 2500 a
42:44month four thousand dollars a month and
42:46passive residual income and here's the
42:49best thing about it guys if I walk away
42:51from the insurance industry they
42:53continue to pay me
42:54at all my book of business
42:57if I pass away it passes to my heirs
43:00I said sign me up for this man
43:02I'm looking for a way to pass down a
43:04generational wealth this makes a lot of
43:05sense to me so this is the second
43:07highest paid profession guys behind
43:09professional athletes it goes LeBron
43:11James and then Financial Service
43:13America's best kept secret so great
43:17income for us working part-time working
43:19full-time whatever you want to do right
43:21great income for you but what's in it
43:23for your client one permanent Insurance
43:25life insurance for Life your client is
43:27guaranteed to have insurance policy for
43:29life if they make their payments two
43:32um you have cash value between zero and
43:33nine percent and there are some cases
43:35where they're uncapped growth potential
43:36I won't get into detail about it today
43:38but there's uncapped growth in an iul
43:40potentially and three you have tax-free
43:42access to your money under tax code 7702
43:45and then four yesterday called living
43:47benefits it comes with long-term care if
43:50you are someone you love about insurance
43:51pre-2016 you probably own the old
43:54Insurance guess what it covers just a
43:56death benefit the new insurance covers
43:59something called long-term care you get
44:01sick cancer heart attack stroke break a
44:03leg in a car accident you get access to
44:05your death benefit while you're living
44:06for absolutely free why
44:09these companies want your money but
44:11here's a problem guys
44:13we buy new iPhones and Samsung phones
44:15every two three years why because the
44:17Innovations and upgrades we buy new cars
44:19every seven to eight years why
44:21Innovation advancement and upgrades how
44:24often do we buy Financial Service
44:25products
44:27maybe once in a lifetime we have no clue
44:29what's out there with the latest and
44:30greatest Innovation within financial
44:32services so I have one question can you
44:34see yourself doing this if the answer is
44:36yes from a part-time basis guys our
44:39requirement here to be successful is
44:40five 16 hours a week if you can get some
44:43success with working five 10 hours
44:44part-time guys here's the next step in
44:46the process for you one where a highly
44:48regulated industry if you have any
44:50felonies or misdemeanors doing money you
44:52could have a hard time working with us
44:54we do do background checks if that's not
44:55a problem for you guys in the future you
44:57have to get licensed licensing costs you
44:59anywhere from 100 bucks to 200 bucks
45:00depending on the state you reside in and
45:02then three joining our company today we
45:04have a platform fee on 199. it's a
45:06one-time fee out of your pocket and in
45:07future you're paying 199 a year out of
45:09your actual commissions when you're
45:10making money here in cash flowing that
45:11PhD agency what does that give you
45:13access to well one guys we have a
45:15corporate office in Addison Texas we'll
45:16take care of your payroll for you on
45:18licensing support
45:19um different things we have trains
45:20throughout the year and then two we have
45:22actual access to training through via
45:24Zoom or in personal offices where you
45:25can come to an office locally to an area
45:27you get training at least twice a week
45:29through our system here and then three
45:30guys we have a robust system called
45:32bamboo it's a back office that you have
45:34access to you get your own login your
45:36own password you can actually see your
45:39client base or CRM you can watch online
45:41videos for training guys and keep track
45:43of your business from anywhere in the
45:44world so guys in closing man I if you're
45:47saying man Chris I'm open to this idea
45:49but I'm just not quite sure I got some
45:51guarantees for you I hate to work
45:54guarantee quite a bit I'm an insurance
45:55agent right so we use guarantee a lot
45:57with our contracts but I got three
45:59guarantees for you today if you're
46:00saying man Chris if I come on board
46:01today let's say you come on board pay
46:03your platform po199 in six months you
46:06walk away we're still good friends right
46:08what do you walk with I guarantee you
46:11will learn a lot about money 401ks tsps
46:14IRAs Roth IRAs tax code 770 to an
46:18infinite banking Concepts if you walk
46:20away in six months with a wealth of
46:22knowledge on money and finances
46:24is it a good thing or a bad thing for
46:26your family
46:27I think it's a good thing
46:28is that word for platform po199 I think
46:31it is guys second guarantee is this you
46:33come on board today and within six
46:34months you walk away I guarantee you're
46:36going to end to do something you love
46:38and care about to National life group
46:40American national income forces
46:42Financial they're going to say hey we
46:44need this our sun is a policy we need a
46:46better retirement plan we're a business
46:47owners we're not even planning for
46:49retirement guys they're going to walk
46:51away with a product now whether they
46:53pass away in a year 10 years 15 years 20
46:5740 or 80. when they pass away they're
46:59going to pass through a death benefit
47:01claim to your brothers sisters nieces
47:02nephews children grandchildren aunts and
47:04uncles it's a good thing or a bad thing
47:06for your family Legacy I think's a good
47:09thing is that work for platform po199 I
47:12think it is and guys the last guarantee
47:14is if you're watching this the same man
47:15Chris I'm looking for a way to make more
47:18money for my family to get all my
47:20property just walk away from my job make
47:22great income but you know I can't stand
47:24the time they take for my life if you're
47:26saying me and Chris I want to increase
47:27my income my wealth first you must
47:29increase your identity
47:31how do you do so by the books you read
47:33the means you attend the people you
47:35associate with if you're working with us
47:36we're going to push you we're going to
47:38challenge you as a man a woman to level
47:40up the girl to invest into yourself and
47:42your future
47:43and if you walk away from here you will
47:45level up your identity which is in tune
47:47increase your income and your wealth if
47:49you're okay with learning about money
47:51and finances serving your community
47:52increasing your identity income and
47:54wealth I don't see any reason not to
47:56move forward unless you do guys so I'm
47:59hoping that you have the courage to make
48:01a decision and say Hey I want to take my
48:03own finances in my own hands and control
48:05my family's future guys reach back out
48:07to the person who said to this video
48:08guys just to say hey I'm open to learn
48:10more if it's someone saying me and Chris
48:11I want to change my life financially and
48:14make more income take have the courage
48:16that I had guys over nine years ago to
48:18say hey let me try a new industry let me
48:21learn something new I had no clue what
48:23God would have for me guys in my
48:25business fast for today man we have our
48:27kids in our lives my wife been married
48:2811 years and I never thought that the
48:31insurance energy could provide a
48:32lifestyle that we live today so until
48:34next time I look forward to seeing you
48:36in the future guys God bless and I'll
48:38see you soon

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