Join Angie Austin in a captivating episode discussing financial priorities with Jim Stovall. Delve into enriching conversations that explore scarcity versus abundance, the value of entrepreneurial endeavors, and seizing life’s opportunities. Discover Jim’s insightful perspectives drawn from his experiences and cherished columns, designed to motivate and enlighten.
SPEAKER 01 :
Welcome to The Good News with Angie Austin. Now, with The Good News, here’s Angie.
SPEAKER 06 :
Hey, Angie Austin and Jim Stovall with The Good News. We’re talking about his winner’s wisdom column. I just get such a kick every week out of, like, Jim teaches us a new thing, but I get to have a new conversation with him. I’m never bored. I always take up the full time with him. And today we’re talking price and priority. Hey, Jim.
SPEAKER 03 :
Hey, it is great to be with you.
SPEAKER 06 :
You know, you’re talking in this about, you know, the struggles of your college career financially in the early years of your marriage. And I’ll never forget when you said you went to the grocery store with Crystal, your wife, and she had to put back a loaf of bread or something of the sort. And, you know, we didn’t have enough money and you vowed you would never do that again. And I think about my son starting college. I don’t know that he’s struggling financially per se, but we’re. initially making him pay for his tuition because I feel like, well, I did, my husband did not, but it made me feel like I had skin in the game and I was never going to mess up that opportunity because I knew how hard I was working to pay for my tuition. So I don’t know that he’s struggling, but he’s definitely having to work, you know, to pay his way.
SPEAKER 03 :
Oh, I think that’s part of the education at the university. You know, we have the Stovall Center for Entrepreneurship where students from around the in entrepreneurship. And I can tell almost perfectly who’s paying for part of their education and who’s got mom and dad paying for it. And one way is tuition is kind of a set amount between 12 and 18 hours. It’s the same amount. Well, the kids that are paying for it themselves, they got a full load. They’re taking 18 hours. They’re not leaving anything on the table, but then there’s a lot of kids. They’re just playing all the way through college. And yeah, I’ll just take 12 hours a semester. And, uh, And they could have taken two more full classes for no extra money, but they don’t do it. And it’s just like I always tell parents I can go to the parking lot of any high school in America and tell very quickly who had to pay for their own car just by the way they keep the thing. Oh, wow.
SPEAKER 06 :
That’s interesting.
SPEAKER 03 :
You can tell.
SPEAKER 06 :
You know, when you talk about that, I’ve kind of pondered that because one of my kids has been given a scholarship. She starts next year, and she can take as many classes as she wants. You’re right. It can be 18. And then I think in my head, like, can I fit in a few classes that aren’t as challenging in there? And can she do… Like, to be honest with you, like 15, I think, is going to be challenging for her, especially with her sport. But… My brain thinks the way your brain does, like, well, I was paying for everything, so I would certainly max out my number of credits. But where my son goes, where I went, University of Colorado Boulder, you pay per credit, so it doesn’t really matter. But boy, if you could take as many as 21 credits and it costs the same, I’ll guarantee you I would have been taking 21 credits.
SPEAKER 03 :
Oh, absolutely. And, you know, I always tell people that, you know, we know the cost of everything and the price of everything, but the value of nothing. I mean, you know, to get a good value on something you don’t want or need is not a good value. Our zoo here in my hometown just had a fundraising promotion, and someone decided that elephant waste is a great fertilizer, so they value this at $6 a pound. Now, I just… The entrepreneur in me couldn’t help but, man, that makes an elephant worth a lot of money because they have a great production there. But if you don’t have a specific need for elephant manure, half price is not a good deal. Free is not a good deal. And, you know, Mr. Braxton, my mentor, taught me how to read a restaurant menu. He said, people who are living in abundance, and that’s an attitude, not an amount of money, but people who are living in abundance look down the left side of the menu and decide what they want to eat. People who are living in scarcity go down the right side, look at all the prices, and when they see something to afford, they swing over to the left and see what they’re going to have for dinner. And he said, if you have to do that, you can’t afford to eat out. He also told me, if you have to do that and you can’t afford to tip generously… You shouldn’t be eating out. I mean, it’s just that simple. I mean, this should be an exercise in getting what you want. And, you know, it’s like many things in life. Financially, we can have about anything we want, but you can’t have everything. I consult with one of the top real estate people here in my home state, but when he started out, he had nothing. And he was a single guy. He lived in a little tiny apartment. And he would save all his money, and four times a year he would take these epic trips. And he would go on an African safari, or he would surf down in Australia, or do the Rhine River cruise, and all these things. And every 90 days he would go do one of these, and then the rest of the time he’s living in poverty. And he didn’t care, because that’s what he wanted. And I think that’s a great thing. I mean, you can have anything, but you can’t have everything. I have another friend, and he owns six of these vintage safaris. you know, Maserati, McLaren, these amazing, amazing cars. And, you know, and that’s his passion. He never goes anywhere and does anything. He likes these cars. And if that’s what you want, so be it. Because money is about choices. It’s not about impressing other people. It’s not about anything else. It’s about giving you opportunities and options. And, you know, that’s what we’re talking about this week in this column.
SPEAKER 06 :
Well, I always enjoy your columns. I always, I don’t know, I like the conversation that they start. Now, when people, you know, I know you have, it’s crazy. I can’t even believe that, you know, people will believe you do this. But Jim accepts phone calls and emails from anyone who wants to, you know, email him. And he makes it, you know, it’s like, hey, if you want to reach out to me, here’s how you do it. And it says, you know, Jim at Jim Stovall dot com or by phone and has your phone number. Which is just so crazy to me because you’ve written about 60 books now and you’re working on your ninth movie. But what kind of feedback do you get, you know, for these articles like Price and Priority and last week, you know, Overtime?
SPEAKER 03 :
Oh, you know, most people, and we have 10 million books out there with the contact info in all of them, and they tell me somewhere between 2 and 3 million people a week read this column, and they can all call me or email me. I’ve been doing this for 25 years, and it seems to come into three categories. People want to know, how do I get rich? How do I get in shape? How do I become happy? healthy you know those are the things people look at and then of course how do I meet the right person in my life and and you know those are the you know but the big three are how do I get rich how do I get healthy how do I get in a relationship and and that seems to never change and and and In all three cases, it’s not about finding something you don’t have that’s out there. There’s no secret pill. You already have what you need to be wealthy, healthy, and be in a great relationship. Everybody’s looking for the perfect person. If you’ll be more concerned about being the perfect person, you’ll attract who you want in your life.
SPEAKER 06 :
Now, you know, I think, I forget what the, oh, scarcity mentality. I think I might have that a little bit, you know, having grown up so poor and then always trying to, you know, order water and not get dessert and never order, well, I don’t drink alcohol anyway, but I even like the kids to order water. And I know when the waitress comes up and we’re like, We’ll take five waters and Gran will get a water that the waitress probably thinks she’s going to get a crummy tip. But no, she’ll probably get a 30% tip because I’d rather give her a tip than spend the money on soda or whatever. But with that said, I think I do have that scarcity mentality. And you talked about your friend Lee Braxton with the third grade education becoming a self-made millionaire in the Depression. So when you talk about that menu and people with financial struggles look down, like I might look at the side dishes like the other night. I’m not poor, obviously, now, but I ordered the cup of soup and coleslaw, which were both sides, right? Or I might order an appetizer for dinner. And it’s just habit. I can’t help that scarcity mentality. And I know I don’t have it with generosity. If it’s for other people, I’m very generous. But when it comes to things that I can skimp on. If I can buy like an Amazon return couch, for instance, our couch, it was half as much because somebody didn’t like it. But it was like open box or as new as if you can fit a couch just in a box. You know what I mean? So that’s how I’ll shop. And I think I do. I am stuck in that scarcity mentality that I think does adversely affect people becoming wealthy.
SPEAKER 03 :
Well, and there’s nothing wrong with that as long as you have other priorities in your life. I mean, you don’t want to spend money on a $3 soft drink at a restaurant. You’d rather order the water and then tip better or invest the money somewhere else. And a scarcity mentality is, I’m going to run out, I’m going to be broke, I’ll never get enough. And that has nothing to do with your bank balance. I had a financial planner called me recently and he said, I need you to spend an hour with one of my clients, which is something I do. And You know, I looked at her portfolio, and I won’t mention her name. If I did, many of your listeners would know it. But she had a net worth of $54 million and no debt. And she was afraid she was going to run out of money. And I said, well, let’s go through it real quick here. What’s the most money you spend? She told me, and I said, let’s triple that. And I said, what’s the highest you think inflation could get? And she told me, I said, let’s triple that. And then, how long do you think you would live? And she said, well, maybe 85 or 90. I said, let’s say you live to be 125, okay? And we put all this in, and I said, okay, given all that, when you die, you will have more money than you have now. And spending three times what you’re spending, and, you know, inflation three times higher than you can imagine it. And that, all of a sudden, she got a snapshot of this and was able to calm down a little. But if you’ve gone through your whole life and money is nothing but anxiety and worry and it’s something you fret about all the time, having a bigger bank account doesn’t help that. It’s a change of attitude you need.
SPEAKER 06 :
Yeah. And I think, um, I’ve, I’ve heard that people who’ve grown up without not much kind of can go one of two ways and I’m sure there’s, you know, there’s plenty in the middle, but that overspending where they get the money and they just go crazy and then they run into troubles, obviously. And then those may be like me that are super, super conservative, but I think I have become more, you know, I spend money on experiences like trips, like that’s something else. Oh, and real estate, like a home, but you know, cars, boy, um, I told you my son was in an accident and, uh, When they were figuring out the value of the car, they’re like, is it under $15,000? Because it has something to do with insurance and how it’s paid. When we looked up the blue book on a 2003 Lexus GX470, I think it was around $3,500. And I’m like, we just put repairs and tires into that thing that were more expensive than the car itself right but i laughed with grandma i said well um i said that car took him home from the hospital and it kept him from going to the grave because those v8s are such tanks you know that i credit that you know car for keeping him you know his injuries at a minimum uh but Yeah, I’m not one to spend a lot of money on things I think are frivolous or I won’t get a – like you obviously get a payback when you buy real estate, right? But you don’t get a payback when you buy a car usually unless it’s like safety. But you know what I mean? You’re not going to sell it for more than you bought it for like you do a home. So I tend to spend my money on things that I hope I’ll get some kind of a return.
SPEAKER 03 :
Absolutely. No, I mean – You know, cars are an expense and homes are an asset. And if you look at them that way, yeah, you can grow. And Will Rogers said it best, Americans will be the only nation in history that goes to the poorhouse in an automobile. We, you know, you can spend so much money, and now they have these things where you can finance them for eight years and then roll your debt into the next one and the next one and the next one. And, wow, you can get really upside down in those things.
SPEAKER 06 :
Oh my God. Hey, I’ve never asked you, do you, I mean, I know you don’t drive because you can’t see, which actually probably could drive that Tesla. Now I’ve been driving that around with my son cause he can’t use both of his hands, but he can use one hand. Um, and it drives you wherever you want to go. And you can even summon it. Now you can say like, come up the driveway and it’ll drive itself up to where you’re standing or whatever. Anyway, are you into cars? Um, do you like nice cars?
SPEAKER 03 :
Miss Crystal does. For the last 25, 30 years, she’s driven a Mercedes she really likes. We trade them off periodically. I remember we had an old Pontiac, 20 years old. the green dog that we traded in when we got our first Mercedes. And I remember I’d saved my money. We were going to buy cash for this thing. We went over to the lot, and the guy comes out and says, what is that? I said, that right there is a 74 Pontiac is what that is. He said, can you park it in the alley or something? I don’t want it sitting out here. I said, well, I was going to trade it in. And he said, I’ll give you $1,000 off anything, and you keep the car. And he said, I’ll give you extra if it’s full of gas. He said, that’s the kind of car you double the value if you’ve got a full tank, you know.
SPEAKER 06 :
Oh, my gosh. We had a rental called the Green Goblin. It’s funny that you called it that, that, you know, the kids were so embarrassed to drive in it. Oh, unfortunately, we’re out of time. Thank you so much, JimStoval.com. Thank you, friend. You’re welcome.
SPEAKER 04 :
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SPEAKER 06 :
Hello there, friend. If you are just joining us, this is Angie Austin with the good news. And, you know, you may have athletes in your family. And, you know, I talk about my kids all the time. They’re high school athletes and a college athlete. And did you know that more than 2.6 million kids and teens go to the ER with sports injuries each year? Mine went via ambulance this year and all of them have been injured. So I’m well aware. Well, today we are going to learn how to prevent injuries in young athletes and learn what to do when an injury occurs. Joining us is an expert in the area, Dr. Naomi J. Brown. Dr. Brown is a pediatric sports medicine specialist at Children’s Hospital of Philadelphia, one of the top hospitals in the country. Welcome, Dr. Brown.
SPEAKER 05 :
Thank you so much for having me.
SPEAKER 06 :
OK, so I was shocked when my kids started playing sports at how a couple of things that a lot of them play year round. Now, one sport, which obviously puts a lot of strain on certain muscles, but also how rough some of these sports are. So how common are these injuries in young athletes?
SPEAKER 05 :
Unfortunately, they are common. Right. So there’s some studies out there that look at the overall rate of sports injuries, both acute and chronic that you’ve mentioned going to the emergency room. the ambulances or the acute versus the chronic, which is that overused repetitive strain injury. And so if you think about athletic exposures, how many hours you’re out there you take 1,000 athletic exposures, it’s about a 2.29 risk out of 1,000 that you’re going to get injured, which may not seem like a lot, but when you’re out there on the field, it’s not small.
SPEAKER 06 :
When you give me that stat, that one seems low to me, but as I get older, for instance, my daughter’s college volleyball team, there’s like four girls out at a time with injuries, and some of them long-term, like an ACL and knee injuries, back injuries. that seem to persist throughout the majority of the season. But even on the high school team, it seems like a couple of kids are injured at a time. So it seems like as they’re older, the injuries are more common. Is that true?
SPEAKER 05 :
Yeah, I think the overuse injuries definitely can become a little bit more common as we’re playing. more and more. We’re playing on three different teams at once. I mean, if you think about how often you get injured during your career, it’s about a 45% chance that you’re going to have some sort of injury. That doesn’t mean it’s going to be an ACL tear. It’s more commonly going to be an ankle sprain or strain or a knee sprain. But we do see those torn knee ligaments. We see concussions. And unfortunately, it could be, you know, if you are having, you know, half the team out with an injury, is there something going on with how they’re performing and there are they prepared for it is there something that’s different that’s happening that you sometimes have to look locally to why is one team getting more injured than another you know one thing we talk to our kids about all the time is something that they don’t really seem to like to do and that’s stretching what can these kids do to prevent their injuries i mean stretching i think that’s one of the They don’t like it. It’s boring. But dynamic stretches before you play is so important. It helps loosen muscles. It also warms up the muscles. And then you do static stretches, which are those holdings still in one position after you’re done exercising. That’s in your cool-down phase. That helps to relax and elongate the muscles after they’ve been playing. But people say, oh, I’ve got to go home. I’ve got to go get dinner. Spend five, ten minutes doing those stretches one day a week. Do some yoga for half an hour, an hour. You really can help prevent injury by doing that.
SPEAKER 06 :
Now, I’m going to defer to you on this in terms of best options for treatment, because when my son was playing volleyball and rolled his ankle, I went ahead and did urgent care. So I’m like, OK, I can take him. And it ended up being $50 because we have good insurance. Right. But then I took my other daughter. I drove her to the ER and her couple hour trip was like 13,000. But the one with the ambulance, obviously, we had no choice. She couldn’t move. and she was on the basketball court and couldn’t stand up. So that, we had no choice, right? That is definitely, obviously, ER. So what, and with my son, I just thought, you know, I can wait on this one, and I can go for an option for treatment that isn’t expensive. Obviously, though, for the best care, I do go to an ER and a hospital where I know they will have every type of test necessary if it’s serious. What are the best options, in your opinion, for treatment?
SPEAKER 05 :
I mean, you basically just described the acuity, right? If you have a a deformed wrist that probably needs to be set, you need to go to a pediatric emergency room. You need to go somewhere where they are trained to treat pediatric injuries. But if you have someone who rolled their ankle, maybe it’s hard for them to bear weight. It’s tolerable. They’re not an excruciating pain. mean an urgent care is the perfect place because yes it is cheaper your co-pay is much less than going to emergency department but don’t forget you also have your pediatrician right so if it happens and and he’s like oh i’m okay i can walk on it but the next day the ankle is more swollen call the pediatrician’s office and they may say hey we have x-ray in our office or we can send you for x-ray it may be an extra step with a phone call but it also might be a lot less expensive for you so it really just depends on what kind of injury if You’re talking about someone with knee pain that’s been going on for a month and you’re like, enough is enough. I need to get this checked out. Your pediatrician is perfect for that.
SPEAKER 06 :
That’s a good point. That’s a good point because a lot of times they have a few openings in the morning for something that’s going on that day per se. Okay. And then they’re familiar with your child as well. All right. Now, so in terms of injury prevention, we’ve got the, you know, obviously plenty of sleep, stretching, you know, being hydrated. Electrolytes, is that something that you deem important as well or is that hype?
SPEAKER 05 :
Both. I think electrolytes are really important. If you’re exercising for more than an hour at a time, then you really do need to replenish the electrolytes. I do think, though, that you have your 10-year-old playing baseball, and they’ve been out there, and yes, it’s been an hour and a half, but they’ve barely been playing, and you get your Gatorade afterwards. Is that necessary? No, it’s fun and it’s fine. But if you’re really doing exercise in heat for more than an hour, then you need to replace your electrolyte.
SPEAKER 06 :
OK, we just have a minute or so left. What’s one of the biggest mistakes you see athletes and or parents making when it comes to kids and injuries?
SPEAKER 05 :
Not taking enough to recovery day, making sure they’re getting rest, making sure that they’re not playing year round games. making sure they’re cross-training. Those are kind of the biggest things that I see. The risk of burnout is so high in our youth that making sure that they’re, you know, taking that day, that doesn’t mean that that day is to exercise something else, right? Take a day to go enjoy yourself, go hang out with your friends. You do not need to be exercising seven days a week.
SPEAKER 06 :
Oh, that’s a great tip. I love that. I’m going to repeat that one to my family. Excellent. All right, doctor, where do we go to get more info?
SPEAKER 05 :
Lots of great resources out there. Obviously, our hospital, CHOP.edu, forward slash sports has a great website. But some other places, the National Council of Youth Sports has a wonderful website, NCYS.org. It’s called Stop Sports Injuries. It’s sports trauma and overuse prevention. Wonderful information, both on sports specific and injury specific topics. And then also I’d point you towards orthoinfo.org, which is put on by the American Academy of Orthopedic Surgery with some general information about that. injuries.
SPEAKER 06 :
Well, thank you so much, doctor. You are really blessed to work for such a wonderful organization. I get to interview Dr. Adzik every year who does, well, you know, probably what he does and he is fascinating to me. Yeah. Isn’t he amazing? I just, oh, he’s, I love it. Those, that interview that I get with him once a year. All right. So I just want to say thank you for all you do for others and have a great day. Thanks, doctor. Thank you. You We are now going to talk men’s health. Movember with an M. Yes, Movember is back with mustaches and a mission. If you’re just joining us, this is Angie Austin with the good news. And today we’re going to talk about saving lives by changing the way we think about men’s health. For more than 20 years now, Movember has been listening to men and the people who love them. And joining us again is Brian Heilman, senior researcher at the Movember Research Institute. Hey, Brian.
SPEAKER 02 :
Hey, Angie. It’s nice to be back.
SPEAKER 06 :
Nice to have you. All right. So the new report calls men’s health a family and a community issue, not just a men’s issue. So why is it so important that you make that distinction?
SPEAKER 02 :
Yeah, we titled the report The Real Face of Men’s Health because we wanted to emphasize that that real face is not just a solitary man in a doctor’s office. It’s his network of loved ones, people who care about him, right? All of us can think of people we love and care about in our lives, regardless of their gender, where if they’re going through a real health crisis, it’s obviously going to affect us deeply, whereas if they’re thriving and looking after themselves, those positive effects radiate outward as well. The sad truth is that we’re losing too many men too soon in this country, and the impacts really ripple out to all of us.
SPEAKER 06 :
Let’s talk about that. Why are men in the U.S. dying younger than men in other wealthy countries, and what’s really driving that?
SPEAKER 02 :
The numbers really jump out. I did not expect these numbers when we set out to write this report. We found that 53% of men who died last year in the United States died under the age of 75. And 75 is a kind of standard international marker for premature mortality. So… We can say that in the United States, the majority of men die prematurely, and a lot of those deaths are from preventable causes. You just don’t see that in other wealthy, industrialized countries, like that high of a rate of premature death. In fact, the life expectancy for men at the current moment in the United States is about six years shorter than the life expectancy for men in the country where men live the longest. So there really is some troubling trends we need to look at, and given the complexities of the United States, there’s no real simple solution to this. We look in the depth of our report into disparities by geography, by demographics, and different kinds of access. But for us, it kind of comes down to that everybody in the country deserves access to high-quality health care, and that means health care that’s nearby, that they trust, that they can afford, and not everybody has that. And when you multiply that by men sometimes still feeling a stigma about seeking care, not only for their physical health but also for their mental health, that’s certainly part of the puzzle we need to unravel.
SPEAKER 06 :
Oh, I definitely agree with that, a lot of putting things off. By the way, where are men? What areas are men living longer, and does there seem to be a reason? Is it weight, or is there anything that stands out?
SPEAKER 02 :
In the U.S. or elsewhere around the world?
SPEAKER 06 :
Yeah, I guess both, yeah.
SPEAKER 02 :
Yeah, I mean, like what’s interesting in the U.S. too is, and if any of your listeners are interested to read the report, you’ll see a bunch of maps in there, and some of those maps look a little bit familiar if you’re accustomed to seeing maps of the United States based on the election results or based on economic opportunity or based on different demographic factors, a lot of the states with the lowest net average income or lowest kind of economic opportunity also have a lot of the worst health outcomes. But it’s not always a perfect one for one in that way, especially like rates of death by suicide really stand out. The areas of the country with the greatest risk for early death by suicide are actually the more rural Great Plains, Mountain West, communities. And so there’s different trends across the country. There’s really no single simple story, like I’m saying.
SPEAKER 06 :
That’s interesting. All right. Now you talk in the report about, you know, health disparities and you talk about cultural ideas about masculinity that keep men from seeking care, as you mentioned. I know for our family, there’s six of us at our house. I definitely do all the appointments and I schedule the physicals in particular for my husband, but also for my son, who is, you know, 20. I don’t think he’d be scheduling physicals on his own, but yeah. I think sometimes you’ve got to step in and kind of help them. And I know in my dad’s case, he would put off any appointment, you know, even when he was having a heart attack, he didn’t want the ambulance called. Is that a cultural thing? Like, what’s the deal with that?
SPEAKER 02 :
Well, you know, it’s a really deep question, Angie, because I feel like, you know, we celebrate people for the sacrifices they make, right? We celebrate men and women alike for sacrificing on behalf of their family or powering through difficult moments. And I think For guys, a lot of times that impulse to show up for your family at all costs, to not be a drain, whatever it is, it kind of can get to an excessive degree where it’s ultimately harmful to oneself. I’m actually grateful to see in this report that some of that might be changing just a bit. We shine a light on the fact that On the one hand, these cultural ideas that men should tough it out and walk it off and never admit any weakness, those cultural ideas, unfortunately, still exist. They are alive and well. You might still see them in a movie you watch in the present day. But if you actually talk to guys one-to-one, they’re less likely to tell you that that’s a personal value that they hold. And guys on their own basis, they’re not that indifferent to their health. They might just be… caught up a little bit that they don’t know their doctor very well whenever they see the doctor the doctor doesn’t have a whole lot of time for them or get to know them as a person above and beyond any symptoms that they bring or they haven’t had good health care experiences in the past or they don’t want to be a burden to somebody. And so it’s those more nuanced kinds of stigmas that we need to be breaking down, I think.
SPEAKER 06 :
Well, I want to make sure that people know that Movember is a call about action. And for people listening, what is a simple thing that they can do to support men’s health as we kind of recognize Movember?
SPEAKER 02 :
I mean, the key thing is just opening up the conversation. That’s how you break down the stigma. That’s how you get out ahead of these prevention issues. And so, Angie, you and I are already practicing it a little bit by talking it through. We can help you have those conversations with our tools and resources available on Movember.com. And that’s also where you can access the report in its entirety.
SPEAKER 06 :
Well, and I love that you brought out, too, just, you know, living longer isn’t just, you want to live happier, and the loneliness and depression, I’m really glad to know that people are reaching out, and I think it helps that they can do things virtually as well. They don’t have to necessarily go into an office, so that’s great. Okay, give us the information again to contact and get more info.
SPEAKER 02 :
Absolutely. Please visit Movember.com to learn more about our entire movement, access the report, and tools that might help you in those conversations.
SPEAKER 06 :
Excellent. Brian, thank you for all you’re doing for others. Appreciate it.
SPEAKER 01 :
Thank you.
