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Discover the complexities of wealth as the hosts explore the cultural, personal, and societal dimensions of money management. Through engaging discussions, A Guy’s Perspective reveals how adopting the right mindset can lead to financial success and stability. Listen in for valuable advice on building and maintaining wealth, one step at a time.
SPEAKER 04 :
I can’t hide myself I don’t expect you to understand I just hope I can explain What it’s like to be a man It’s a lonely road And they don’t care about what you know It’s not about how you feel But what you provide inside that home
SPEAKER 02 :
Welcome to A Guy’s Perspective, where they discuss real-life topics that men today are dealing with, whether married, single parent, or just single. We invite you to call into this live program with your comments and questions. And here they are.
SPEAKER 11 :
How’s everybody doing today? This is A Guy’s Perspective. We’re every Saturday from 2 to 3 and you can reach in and reach out and talk to the boys or the guys at 303-477-5600. Again, that’s 303-477-5600. For all the men that are out there, I think we’ve got a good show for you all today. We’re going to talk about what? Money. Every guy likes to hear that.
SPEAKER 10 :
That word, there’s something, it resonates with you when you say, just the word money rolls off your tongue. Like, it sounds good.
SPEAKER 12 :
Try it, Reno.
SPEAKER 07 :
Yeah.
SPEAKER 10 :
Yeah, try it.
SPEAKER 07 :
Money.
SPEAKER 10 :
It just sounds good, man. Money. I mean, it’s the perfect color, too. The dollar bill looks good, man. So whoever designed it.
SPEAKER 13 :
It’s green, so it better grow.
SPEAKER 11 :
Yes. Yeah, that’s the truth. Add some water to that, some sunlight, let that mud grow. The statement, more money, more problems, is a lie. We know that. It’s in fact the opposite. Having more money can actually solve problems.
SPEAKER 07 :
Money answereth all things.
SPEAKER 13 :
Yes. I agree. I agree.
SPEAKER 11 :
Money’s power and not in a bad way. It brings social status. It gives a person access to resources, opportunities. It even helps a person have good health. If you’ve got money, it brings down your stress level, and people don’t understand that.
SPEAKER 13 :
Absolutely. I agree with that.
SPEAKER 11 :
So when a person doesn’t have money, what’s the number one thing they worry about?
SPEAKER 13 :
Money.
SPEAKER 10 :
Y’all both said it at the same time.
SPEAKER 13 :
You know, I’d like to kind of quote Myron Golden here. One of the things that he said is a lot of people are like, well, you know, I don’t want to have too much money. And it’s the only thing that people feel that way about. They’re like, well, I just want enough to get by. What about like knowledge? If I say, hey, do you want more knowledge? You probably say, yeah, as much as I can get. How long do you want to live? As long as I can. Yeah. Everything else is like we want that in abundance, but we’re weirdly programmed against generating and creating wealth.
SPEAKER 11 :
Why do you think that is, though?
SPEAKER 13 :
It’s the cultural hypnotic societal mechanism, like Myron Golden says. It’s built into us through school and everything. It’s a ploy by the elite to keep us impoverished.
SPEAKER 07 :
Harino. It’s also a mindset. Yeah.
SPEAKER 11 :
And that’s huge.
SPEAKER 07 :
So there’s a book called Think and Grow Rich.
SPEAKER 13 :
Excuse me.
SPEAKER 07 :
There’s a book called Think and Grow Rich. Yes. So.
SPEAKER 13 :
Kiyosaki?
SPEAKER 07 :
No, that’s a. Oh. Think and Grow Rich is by Napoleon Hill thank you Charlie Charlie was up top of it he got it so you know it’s purpose to change your mindset so I think they should teach financial literacy in schools oh and why won’t they from elementary all the way through high school to college you can’t get financial literacy in that aspect without doing it yourself.
SPEAKER 13 :
Right. It’s either instituted by – it should be instituted by mother and father in the household, in the nucleus. They should have already gone through enough life to experience how to handle money well and then impart that to the children. And if it’s not, then it’s a generational curse that needs to be broken. I’ve had to break mine at 40 years old.
SPEAKER 07 :
Right. And I’m learning – I learned things at 40 and 50 that if I knew when I was 20 – Could have changed my mindset, but if you don’t have the right mindset when you’re learning it, you’re not going to retain it.
SPEAKER 11 :
Do you think you can obtain wealth, real wealth, if you don’t have the mindset for it?
SPEAKER 07 :
I don’t think so. Because the wrong mindset, you’re just going to blow it.
SPEAKER 11 :
Wow. Like the Bible says, it has wings and it takes flight. I don’t know that scripture exactly.
SPEAKER 07 :
It’s like a fool with money.
SPEAKER 11 :
That’s the truth. So with that being said, if you don’t have the mindset to obtain wealth, why aren’t parents teaching their kids to have that mindset?
SPEAKER 13 :
They themselves don’t know.
SPEAKER 07 :
They might not have the mindset.
SPEAKER 13 :
They themselves don’t know, yeah.
SPEAKER 07 :
And when I was younger, I didn’t have that mindset. Gotcha. There’s a lot of things I didn’t know. Like if you start out and you’re working at 20, you could dictate your retirement.
SPEAKER 11 :
You can. So let’s say you’re 20 years old to 50 year old. What do you think a person who has a money mindset, what do you think their bank account should look like? Because how much money do you think went through your fingers?
SPEAKER 10 :
Let’s go around the table.
SPEAKER 13 :
How much money do you think went through your fingers? Well, just the 27 years of doing windshield repairs at $100,000 a year. Easy. What’s that? 2.7 mil. There you go. 2.7 mil. Same with me. yeah same with you if not if not a little more give or take if not more so so when we look at the big scope of things yeah cumulatively over the over the years yes we’ve we’ve generated a lot and lost a lot and like you said money uh it grows wings and it will leave so you have to budget you have to you have to have a handle on your money have financial literacy Um, in order to, in order to grow it, anything that has like, you need to, you need to give attention to it. It definitely needs attention.
SPEAKER 11 :
That’s right. Cause there’s so many people that when it comes to money, they put their head in the sand.
SPEAKER 13 :
Easy come, easy go.
SPEAKER 11 :
Yeah. Yeah.
SPEAKER 13 :
Thank God. Thank God. It’s a Friday. Oh God. It’s Monday. That’s Dave Ramsey.
SPEAKER 11 :
Tell me the worst feeling isn’t living paycheck to paycheck. That’s beyond the worst feeling. And anybody who says it’s not, it’s bad. And I don’t think, at least in my opinion, I don’t think God ever created us to not have an abundance of wealth.
SPEAKER 07 :
So you said living paycheck to paycheck. As business owners, we don’t get regular paychecks. So if a client doesn’t pay or they decide to pay late, I think that’s a worse feeling than living paycheck to paycheck. That’s good you brought that up.
SPEAKER 11 :
What do you guys do when a client doesn’t pay?
SPEAKER 13 :
Well, just to kind of give you like what I did when I got on a budget, and right now I’m currently off a budget. I don’t have a budget going. But when we got on a budget, what I did was I, from a business standpoint, because you couldn’t really tell how much money you were making, it’s peaks and valleys, highs and lows. Sometimes you get money and then you got expenses. But I made sure that I got on a budget for my company. So if I knew that the past six months I was paying myself $5,200, well, guess what? Heath gets $5,200 regardless of highs or lows.
SPEAKER 11 :
That’s really good.
SPEAKER 13 :
Yeah. So I had to budget myself for that. Now, I could give myself bonus and such, but it all starts with a budget. You have to know how much you’ve got and how much you’re spending. Income and outgo.
SPEAKER 11 :
So basically you pay yourself first before anything else is a part of your budget.
SPEAKER 13 :
Yeah. But as a business, as Reno knows, the tax advantage of business is that you expense things that otherwise would be constituted as personal. Auto payment, cell phone, internet, food.
SPEAKER 11 :
Again, if anybody wants to call in and talk money to the guys in business, it’s 303-477-5600. Money plays such a big role in our personal lives and in society because if you don’t have enough money in the bank account, you can’t take little Johnny down to the store and buy a big wheel. It’s not going to happen. You know what I’m saying?
SPEAKER 12 :
Remember them big wheels with that handle? True that. You get going, spin it up, and you pull that handle. That break out the back.
SPEAKER 11 :
So money’s not a bad thing, and that’s what we’re trying to say. society doesn’t teach people about money because it’s almost like they want you to live in debt or fear of it.
SPEAKER 07 :
There’s a common phrase that money is the root of all evil. That’s a false phrase. It’s the love of money is the root of all evil.
SPEAKER 13 :
I think that leans more toward the greed when it’s more important for you to uh, get over on someone or make money that you don’t like your intentionality is wrong. It’s about the heart.
SPEAKER 11 :
Bad ethics.
SPEAKER 13 :
Yes.
SPEAKER 11 :
So how, how does one, like, like we’re talking to men today, you guys are, we’re men, we’re your business owners. I work for, um, an oil and gas company. What, what, what, how do you tell a man if he’s His mindset is to go after money to provide for his family. How does he know if he’s doing too much? Because some people want that nest egg. I mean, some people say time is more important. Well, I believe money, having money brings time.
SPEAKER 13 :
Money does bring time, I think.
SPEAKER 07 :
Yeah, I agree. Yeah.
SPEAKER 11 :
So how does somebody know if they’re investing too much into their business or working too late? I mean, y’all are business owners. Won’t you have to work around the clock?
SPEAKER 07 :
There’s times that you have to put more time into it for the business so you can have time later.
SPEAKER 11 :
That’s good. That is really, really good. Explain that.
SPEAKER 07 :
So you might have late nights, but you’re building something. So, you know, when you’re building something, it’s piece by piece, bit by bit. But once it’s built, then you can step away. So once you have a team, then you can step away and let your team operate. Oh, my God.
SPEAKER 11 :
That’s business ethics 101, isn’t it? Yeah. Yeah, to build until you get to where you need to be. That way people, because money brings time. Once you’ve got enough people working for you, you’re on the golf course they’re working for you.
SPEAKER 13 :
Well, and here’s the reason why, and to quote Myron Golden again, it’s money is spiritual. And there’s spiritual levels that we get to attain. So by being a manager, it’s a higher spiritual application. And you make more money for it, but you’re overseeing people. And then when you’re a business owner and you empower and employ others, then that’s a whole new level of money management.
SPEAKER 11 :
Gotcha. What do you think is the most stressful thing about owning a business and having to balance your books? What’s the most, for people that are wondering, again, you can call us at 303-477-5600. We’re talking money. And we’re asking the guys the question, what’s the most stressful part about handling your money as a company?
SPEAKER 07 :
I thought you said owning a business. Yeah, well, owning a business. Employees. The most stressful thing is employees.
SPEAKER 13 :
Yeah, I had a saying. I don’t know if I guess I still believe it. It’s I’d rather be self-employed than employed, but I’d rather be an employee than an employer. Wow. Because when you oversee people, then I think for you, Arino, too, it’s. Like our business is our heart, blood, sweat, and tear all in it. And then when we share that with somebody and they crap on it and they take advantage of it, it hurts.
SPEAKER 07 :
They’re not going to feel the same way you feel because it’s not theirs. Right. And they don’t know what I went through to get it from the ground to where it is now. Right.
SPEAKER 13 :
And so we can take it personally. I mean, I have.
SPEAKER 07 :
I take it personal all the time. He said that quick. Hey, I see. I buy the material. I go to the job site and I see it laying on the floor. I kind of want to fight that person. Yeah. I’m not saying I’m going to, but it really irritates me. Yeah. You don’t care that each piece is accounted for.
SPEAKER 13 :
Right.
SPEAKER 07 :
And we have, you know, we have to track that.
SPEAKER 13 :
Well, and think of it from the perspective of a client, somebody you’ve established a relationship with for a decade or something. And it takes one person to go in and kind of soil that or ruin that. And you have to do damage control.
SPEAKER 07 :
Yeah, and I’ve had to go back myself to fix things and try to, you know, explain or… Remediate. Yeah. Yeah. So, you know, damage control to keep the client because, you know, it was a faulty install.
SPEAKER 13 :
The funny thing that happens there, though, and people might understand this if you own a business, is… As an owner, we’re perpetually trying to rise up and out of those positions and have people handle our customers and client base like their own, like we would. But when they mess up, then we have to drop back down to that level of going there ourselves And so it’s a real humbling thing, but then it just solidifies that cycle where that customer wants you. They don’t want the next guy you bring in.
SPEAKER 07 :
They want you. Real fast, I’ve had customers that build custom homes. If I’m not on the job, he’ll find another contractor.
SPEAKER 13 :
Right. So it traps you.
SPEAKER 11 :
If you, as business owners, and we’re talking wealth and obtaining wealth, If you have, let’s say, a competitor out there and their prices are much lower than you, do you take your prices down to compete with those people or do you keep your prices the same because your quality is better?
SPEAKER 07 :
No. Each business is individual. What I need to complete a job is going to be different from what someone else needs to complete a job because we all have different expenses. Gotcha. We’re individual. And just because he charges less doesn’t mean it’s going to be a subpar job. But a lot of times you do get what you pay for. That’s a true statement.
SPEAKER 13 :
Well, what is it, the good, fast, cheap? You can have good and fast, but it’s not cheap. You can have… that’s a fact good and cheap but it’s not fast you know and I used to it’s the middle the spot that somebody has to suffer in that and I used to run good fast and cheap but then the person who suffered in that was me I was undervaluing myself and so therefore people would like take advantage of me they’d be in Boulder and need a repair right now and I’d leave Parker. But no longer. Uh-uh. No. I put my customers right where they need to be.
SPEAKER 11 :
If y’all could give… a person who’s wanting to start a business, because I truly believe that the business owner is the one that makes the most money. It’s apparent Elon Musk is richest man in the world. He’s the business owner. If anybody wants to call in and talk to the guys, it’s 303-477-5600. We’re talking money. What would be the best advice y’all could give to somebody who’s thinking about starting a business right now?
SPEAKER 13 :
For me, it’s to understand that all business, good business is relationship. So as long as you have a good relationship with the person and you aim to serve them, then you really can’t go wrong, whether product or service based business, if you aim to serve the person.
SPEAKER 11 :
So if I come to you and I want to buy a windshield, how long will it take for you once you receive my call to get to, let’s say… 48 hours. 48 hours before you can get out to change my windshield.
SPEAKER 13 :
Within 48 hours.
SPEAKER 11 :
Let’s say I call you for electrical work and it’s midnight and I have an emergency going on. How long will it take for you to get to where I’m at if I’m in the Denver metro area?
SPEAKER 07 :
Well, it depends if I’m a 24-hour business. Okay. If I’m a 24-hour business.
SPEAKER 11 :
Well, are you on call 24 hours?
SPEAKER 07 :
No, I used to be, but no longer is too much on me.
SPEAKER 10 :
Okay. Just because getting up in the middle of the night with the kiddos and all?
SPEAKER 07 :
Yeah, I mean, if I’m the one doing it and I’m the only one doing it, when am I going to sleep? Yeah. Because I’ve gotten calls on Christmas Eve. Really? And you’ve got to run out. And it’s an emergency. It’s an emergency. Yeah. It was almost a fire, actually. Really? Yeah, so…
SPEAKER 12 :
Oh, which makes sense. We’ve all seen like National Lampoon’s Christmas Vacation and everybody plugs in all of their lights. The cat chewing on the cord under the Christmas tree.
SPEAKER 11 :
So if money is what everybody’s striving for, does money really give you freedom and control of your life?
SPEAKER 07 :
If you have… You have more freedom and control of your life with money than without it. If you have no money, you have no control. My goodness. You’re like… I mean, you could be homeless, but…
SPEAKER 11 :
Because there’s so much division around. There’s some people out there that they honestly believe that you don’t need to be wealthy. Just, you know, go through life. Yeah, enough is enough. If you can afford one box of cereal for the kiddos, that’s cool. I believe you should be able to afford it all.
SPEAKER 13 :
Well, and here’s the messed up thing is then they’ll say things like, you know, the Lord provides. Well, he provides just, and this is my dad actually speaking, is, well, you know, he always seems to provide, but just enough, not any extra. I’m sorry, but that’s not the God I serve.
SPEAKER 11 :
Wow. Wow, that is the truth.
SPEAKER 13 :
I’m sorry, but that’s not the God I serve. I serve one of abundance and opulence and, you know, like everything, like everything.
SPEAKER 11 :
No, you’re right, because if you read the Bible, I don’t see too many poor people running around in the Bible.
SPEAKER 13 :
No, it was just different. They had goats.
SPEAKER 11 :
Well, I mean, look at Solomon. Solomon went above and beyond. I mean, he had so much wealth. So did David. So did Abraham. So did Adam and Eve. So did all these people.
SPEAKER 13 :
Yeah, because with Solomon, man, if it costs, I don’t know, say it costs $100,000 a year for one wife and he had 1,000 concubines and all. Dude was wealthy.
SPEAKER 11 :
I mean, he was wealthy. Let’s be real.
SPEAKER 13 :
Wealthy in wisdom, wealthy in money and finance, and then that empowered a lot of people, employed a lot of people.
SPEAKER 11 :
Because it’s funny you said wisdom because wealth, if you don’t have wisdom but you obtain wisdom and you attain wealth, you’re pretty smart at that point because I don’t think idiots just stumble across a million dollars. Unless you happen to win the lottery.
SPEAKER 13 :
Well, just as quickly as they stumble across it, they stumble to lose it. That’s a true statement, too.
SPEAKER 07 :
Yeah, you said the lottery. How many people who won the lottery are now worse off than they were before they won it?
SPEAKER 11 :
Because they don’t know how to manage money. They don’t have the mindset of money.
SPEAKER 13 :
Yeah, in Reno, you’re absolutely right. Because what happens, Brock, is that when the person comes into wealth easy like that… all of the riches they level up their lifestyle to meet that and then when it dwindles and goes away now they’re in like greater debt than they were before because lifestyle had changed that that’s funny i i had read i had read a story this was probably a year ago about um
SPEAKER 11 :
a lady winning like one of the biggest lotteries of all time and um in this story she ended up i’ll just fast forward to the end so i don’t take up time at the end she won something like it was something like 400 million dollars after taxes she went out and bought family members mansions and cars well guess what all that stuff got took in a way She blew through that money, and at the end of the day, they still had to pay property taxes on those homes, and nobody could afford it.
SPEAKER 13 :
Hey, Nick Cage did that same thing, man, buying castles and all that kind of stuff.
SPEAKER 11 :
Nicholas Cage. If you don’t have the mindset to money, it’ll just leave you.
SPEAKER 03 :
Yeah.
SPEAKER 11 :
It’s crazy. Money provides security. But money is also information. If you’ve got money to invest in like you guys’ company, then you can afford the right people to market your business, to give you the right information. That way you can grow your business because information really is money. The more information you’ve got, the smarter you are, the more money you’re going to obtain. You know? And I’m not saying a college.
SPEAKER 13 :
I’d like to say this one thing. Here’s one thing. Look at how we’ve grown just in our, us three sitting here and anybody listening out there. When you were 16, you were making what? You know, $100 or $200 a week.
SPEAKER 11 :
Oh, I want to tell them.
SPEAKER 13 :
You know what I mean? And then you get all the way up to here and you’re making more and more and more because we should increase as our knowledge and wisdom and information increases.
SPEAKER 10 :
Well, let me tell you about the poorest time ever.
SPEAKER 11 :
And you helped me out. For listeners, we’re 303-477-5600. And I’ll tell this story again on the other side. I’ve been in college the last 10 years. And I’ve been working for an oil company, but I was really bad at budgeting money. And so one of the guy’s perspectives here, I showed up on campus with, I had a BMW, I showed up on campus with a BMW, and they put a boot on my car.
SPEAKER 10 :
Who drives a BMW and has no money in their savings account?
SPEAKER 11 :
That’s pretty bad. So… I turn around and I come out of class and I’m like, oh, there’s a boot on my car. This is jacked up. I’m like, I look at my bank account. It’s zeros everywhere. This was, I’m telling you people, I’m not even the same person. This was probably how long ago? Maybe 10, eight, 10. Yeah. Yeah. About 10 years ago. 10 years ago. Yeah. So I call up one of the guys perspective before we wore the guys perspective. And I was like, Hey man, I need $600 or $500 for this boot off my car. Yeah.
SPEAKER 10 :
And this guy was like, this is a good learning opportunity about money. And I was like, oh, yeah? And he was like, I’m sorry, but I can’t give you that money.
SPEAKER 11 :
You’ve made too much money to not have money. At that moment, the light bulb went on. And I’ve never been broke again.
SPEAKER 12 :
Like, I’m like, I’m saving money. I remember it. You had said to me.
SPEAKER 10 :
I was so mad.
SPEAKER 13 :
You said to me, he’s like, hey, man, can I borrow $500? You know, I’ll get you back. I need to get this boot off because I got excessive tickets. And I was like, well, you know, I can’t. And you’re like, oh, you mean you don’t have the money? And I was like, no, I got the money. But I just ain’t giving it to you.
SPEAKER 11 :
and you were like and you were like oh bro and you hung up yeah oh i was mad i’ll never forget that but you know what it started me on a path of budgeting money saving money buying a beautiful home beautiful like like it changed my whole perspective of money
SPEAKER 13 :
Sometimes tough love works, man. Tough love does work. I want to say something because, you know, I was on the Dave Ramsey train for, and I still love Dave Ramsey. I think for anybody out there that wants to level up, they can learn to budget, live below their means, do that snowball, and all of the things that Dave Ramsey teaches, which is great. But I know it’s not the only way. And while my wife and I paid off $200,000 of debt by following his plan. That’s amazing. It was amazing. In four years. In four years? In four years, yes. But then we went right back into debt. Wow. And not necessarily because of bad practices, but because I needed to make some moves to level up.
SPEAKER 11 :
Right.
SPEAKER 13 :
So buying a house and some cars and all of that stuff. Leveraging your money to get money, basically. Thank you for bringing that up. And that’s the new thing that I’m on, which is more leveraging at this moment. That’s where I’m at. It’s a leverage, which is debt, but maybe it’s more along the Robert Kiyosaki line. approach now. His books are wonderful.
SPEAKER 11 :
Yeah.
SPEAKER 13 :
Rich Dad, Poor Dad.
SPEAKER 11 :
Yeah. I’ve read so many. I read Rod Smith’s financial book. I’ve read Rich Dad, Poor Dad. I’ve read the Cashflow Quadrant. I’ve read Donald Trump’s financial books. I’m studying value. I love learning about money because knowledge, at least the way I feel, when it comes to money, information is money. If we can learn to, okay, like for example, outside of you, you have cryptocurrency, right? Had. Had. Did you cash it in?
SPEAKER 13 :
We cashed everything out so that we could make some moves into the house.
SPEAKER 11 :
How much cryptocurrency did you have?
SPEAKER 13 :
We had about $7,000 invested and it turned into like $15,000 or $16,000.
SPEAKER 11 :
Okay, so take $7,000 and it goes up double. That’s a pretty good investment.
SPEAKER 13 :
Was it Bitcoin or Doge or? uh uh no uh we had uh ethereum uh um uh what is it uh crow uh which is like crypto.com stuff and then um and some others i forget what else gotcha but ethereum so do you guys think cryptocurrency is where everybody should be going right now what do you think marino
SPEAKER 07 :
I think it’s anything you invest in, you’ve got to study it. Yes, agreed. When I was in an investment club, we’d do stock studies, and we’d each be responsible for a different stock. Okay. So when you do a stock study, you look at the 10K, which will put most people to sleep. But, you know, you look at all the numbers, all the aspects of the company, the management, everything. You just don’t jump into it. So if it’s a cryptocurrency, you better know about it. No matter what you invest in, you better know about it.
SPEAKER 13 :
Hey, my people perish for lack of knowledge. Could have to have to.
SPEAKER 11 :
We have one more minute, people. So on the other side, call us at 303-477-5600. Tell us how y’all save money or how you got out of debt and give us information. That way we can learn from our listeners.
SPEAKER 04 :
I don’t expect you to understand. I just hope I can explain what it’s like to be a man. It’s a lonely road.
SPEAKER 05 :
And they don’t care about what you know It’s not about how you feel But what you provide inside that home Being a man is what you make it You can’t always live up to expectations You try to please everybody While you struggle so you fake it And end up out of balance Compromising situations as a good man
SPEAKER 06 :
The views and opinions expressed on KLZ 560 are those of the speaker and do not necessarily reflect those of Crawford Broadcasting, the station, management, employees, associates, or advertisers. KLZ 560 is a Crawford Broadcasting guide and country station.
SPEAKER 07 :
Hello, my name is Reno Kirkendall, owner of Blueprint Electric, where we specialize in all that’s electrical, from residential service calls to ground-up commercial construction. You can reach us at 303-218-3555. Also, visit our website at bpedenver.com. Thank you for listening to A Guy’s Perspective here at KLZ 560.
SPEAKER 13 :
If you have a stone break, bullseye, star, or crack up to 18 inches in your windshield, Clearview’s got you covered. And if you need a full windshield replacement or calibration, Clearview got you covered too.
SPEAKER 10 :
Windshield, brand new, Clearview.
SPEAKER 13 :
Give us a call or text at 303-229-7442.
SPEAKER 09 :
Whoa! Hey there, this is Andre with Advanced Tech Electric. From electrical panel upgrades or flickering lights, we do commercial and residential work. Actually, what don’t we do electrical? Give us a call at 720-581-4399, your local Denver Metro and surrounding areas of Colorado, or book us online at a5280service.com. Thanks again.
SPEAKER 01 :
Yes, this is Derwood Tate, pastor of the Upper Room United Pentecostal Church, here to invite you to be a part of our service this Sunday at 10 o’clock a.m. Our address is 1001 South Pearl Street in the Washington Park area. If you have any questions, you have a need for counseling or prayer, please give us a call as well, 720-532-4638. God bless everyone, and we look forward to seeing you this Sunday at 10 o’clock.
SPEAKER 04 :
i can’t hide myself i don’t expect you to understand i just hope i can explain what it’s like to be a man it’s a lonely
SPEAKER 02 :
Welcome to A Guy’s Perspective, where they discuss real life topics that men today are dealing with, whether married, single parent, or just single. We invite you to call into this live program with your comments and questions. And here they are.
SPEAKER 11 :
Hello, everybody. This is the Guy’s Perspective at 303-477-5600. We’re back on the topic of money and how money benefits people. Just the word alone sounds good. Money just rolls off your tongue the right way.
SPEAKER 10 :
Yeah.
SPEAKER 11 :
we were the last episode we were talking about cryptocurrency and investing and um you you mentioned you cashed in your cryptocurrency so that you could leverage things make moves um did you basically do that for your your new home is that yes uh the two things that uh we needed to invest in were uh um a different division for windshield replay repair company we we now replace
SPEAKER 13 :
So to expand your business? Business expansion. So that was about $70,000 to $80,000. Okay. And then the purchase of a home that needed to be completely remodeled and rehabbed. And that’s what we pulled our money out for and invested into.
SPEAKER 11 :
How much do you think with the home you bought with all the real estate, what do you think the value of it’s going to be once you’re done with it?
SPEAKER 13 :
Oh, Lord willing. I mean, based on comps, comparative market analysis, the property should be for about 1.3.
SPEAKER 11 :
And how much did you get it for?
SPEAKER 1 :
400.
SPEAKER 11 :
So you got it for 400 and it’s going to be worth 1.3. That’s a huge investment. Most people would say, I’m taking that investment, I’m taking that gamble to level up.
SPEAKER 13 :
And it is. There’s risk and then there’s calculated risk.
SPEAKER 11 :
That’s true. That’s true.
SPEAKER 13 :
Yeah. And so I’d like to think that I’m taking calculated risk because remember, man, I lost my ass in the 08 crash.
SPEAKER 11 :
Tell us about that. How many pieces of real estate did you lose in 08?
SPEAKER 13 :
I had four properties. They were investment properties. And then I had a single family home and I had tenants and everything.
SPEAKER 11 :
So basically you lost five pieces of real estate. Okay, four. I lost one.
SPEAKER 07 :
I lost three. You lost three? And my total debt that I lost… It was close to $1 million. Oh, my goodness.
SPEAKER 13 :
I was hoping my number was going to be higher. I had a $650,000 bankruptcy thereafter.
SPEAKER 11 :
So you look at it. Reno wins. We take risk and we leverage and we’ve learned from it because we were young when we lost the things we lost. Nowadays, we know what we’re doing. And if anybody wants to call in and talk money and stocks, it’s 303-477-5600. We encourage you to call in and talk to guys. We don’t know everything.
SPEAKER 13 :
We’re learning.
SPEAKER 11 :
Yeah, if y’all know more than us, please give us a call at 303-477-5600 and teach us.
SPEAKER 13 :
What are those things, Brock? It’s no risk, no reward. You know, so you have to risk. I mean, people risk on a relationship. People risk on driving a car. Yeah. I mean, how many risks do we take in our life? Eating some Chinese food that’s a day late. Right.
SPEAKER 12 :
I mean, I just did.
SPEAKER 13 :
I had some Korean food the other day and I was working. So I had some food and then I didn’t eat all of it. I left it in the car and worked another four or five hours and I’m riding home and I eat it. I paid the price.
SPEAKER 11 :
It’s amazing how money can shift obligations to time. If you have money or wealth, you can now dictate what your time and your day is going to look like.
SPEAKER 13 :
Oh, you buy back your time. That’s what we want to do.
SPEAKER 11 :
Yes, you want to buy back your time. If time’s the most valuable thing you have on the planet and everybody’s like, oh, there’s not enough time, if you’ve got an abundance of money, you know how all the time.
SPEAKER 12 :
Yeah, you want to buy it back.
SPEAKER 07 :
You’re driving down the street in the middle of the day and the Mercedes in front of you is just going so slow. They have nowhere to be. They have an abundance of money.
SPEAKER 11 :
Yeah, no, you’re right. You’re right. Remember Rod? Okay, so Rod Smith used to, you know, he had… The business? Yeah, the coffee thing.
SPEAKER 10 :
Right.
SPEAKER 11 :
And he used to tell us all the time that money is equivalent to time.
SPEAKER 13 :
Wait a second. You all hung out with Rod Smith?
SPEAKER 11 :
Yeah, he’s a good dude. Our pastor knows him a lot better than us. But he was a cool dude. And in his business, his whole concept, at the time I couldn’t understand it, Reno. His whole thing was money is translated into time. If you want more time, you make more money. I understand it now.
SPEAKER 12 :
Yeah. But at the time I didn’t. Yeah, you’ve got to buy back your time.
SPEAKER 11 :
That’s such a true statement. But when you don’t have a money mindset, you don’t understand that. You don’t understand the concept of money equals time or time equals money. It’s lost to us.
SPEAKER 13 :
Yeah.
SPEAKER 11 :
Yeah, it’s during the COVID time. Me and my brother invested in some some stocks, just simple like penny stocks. I’ll never forget this. And it was kind of cheap, generic stocks. We didn’t think anything about it. We both threw like two hundred dollars at it or whatever. This is during COVID time. This thing grew from like $300 to a few thousand dollars. Yeah, it was insane. And he comes to me and he’s like, hey man, what do you think we should do with this? And I’m like, let that stuff ride. Let it ride. Let’s see what happens. Obviously, it crashed. We lost everything. But the point is, in my mind at least, I’m like, what’s $100 or $200 if the investment is going to be so great?
SPEAKER 07 :
Yeah, and if you would have studied that stock, you would have known when to pull out. Look at the trends. And when it rose, you could have pulled it out. Let it go down and repurchase.
SPEAKER 11 :
That’s funny you guys say trends. Like is there in the housing market, can you follow the trend in the housing market?
SPEAKER 13 :
I think I’m not 100% on this, but the housing market is one that like it’s average. I don’t know if it’s like 10% or 15% increase all the time. Now, certainly you have peaks and valleys, right, highs and lows, but it’s average over time is like 10% or better.
SPEAKER 11 :
Well, another thing, it’s… Which outperforms. Because refinancing your house, like a cash out, can be really good for your bank account. Like, when should a person refinance?
SPEAKER 13 :
Yeah, if you refinance to pull that money out so that you can have like a vacation.
SPEAKER 11 :
No, no, no, no. I’m not talking about vacation. Foolish. That’s foolish.
SPEAKER 13 :
But if you pull that money out and you remodel…
SPEAKER 07 :
a kitchen or something of that nature or invest in another opportunity you’re just transferring that investment or putting the investment back in it into the house yeah well i wouldn’t play with a mortgage no no no no yeah i wouldn’t play with it but if you need to take that like he said to make a leverage yeah that’s going to benefit your business
SPEAKER 11 :
I think, by all means, I would do it.
SPEAKER 07 :
I think. Some people pull out money from their house to start a business, and it’s just a risk. Right. The business could flop, and they could lose what they invested, or the business could go sky high.
SPEAKER 11 :
What’s the worst money investment a person can make? There’s so many. What’s the first one off the top of your head? A bad woman.
SPEAKER 07 :
Oh, I was thinking wife.
SPEAKER 11 :
I was thinking wife, man.
SPEAKER 07 :
You get the wrong woman, you’re going to struggle.
SPEAKER 11 :
Oh, my. That’s biblical right there, man. Yeah, you turn around and you – because divorce is expensive, man.
SPEAKER 13 :
He’s right. Well, I’ll second you with that. Not just a wife, but a partner, a business partner or something like that. So if you make a bad choice, then that will – uh, uh, uh, complicate your financial state.
SPEAKER 11 :
You said, why, if you say bad business, I say vehicles. Oh, that, you know, they dropped like that. I just don’t understand how you drive your truck off the lot. And then the next day it lost $5,000 in value. I don’t understand that.
SPEAKER 13 :
Here’s the thing though, man. Like, I mean, I know a lot of people talk about vehicles and how they, how, you know, it drops like a stone in, in value, but When I buy a vehicle, Heath doesn’t buy the vehicle. Clearview buys the vehicle. So I get the vehicle that I want because I spend 7, 10 hours a day in my vehicle. So my vehicle actually makes me money. I might just be massaging my mind to justify my purchase, but it makes me money. In a year, I’ve already had 35,000 miles put on my vehicle. One year. One year.
SPEAKER 11 :
How much money have you made off that, though?
SPEAKER 1 :
$170,000.
SPEAKER 11 :
Oh, well, then that’s a good investment. Right. I think another bad investment is somebody who doesn’t invest in their health. Or their self. Yeah, because if you can’t get up and do the work because your body’s messed up, how do you make money?
SPEAKER 13 :
See, and that’s the buying the time, too, man, is because when you have money, are you going to eat better? At least you have the means to make the choice. You might not make the choice.
SPEAKER 07 :
I learned a lot from when my wife had gotten sick. She almost died. So she changed her health, her eating habits, which changed my eating habits. And from her learning it, I’ve learned a lot about your intake, your food intake, what you should stay away from.
SPEAKER 13 :
You’re a clean eater? You eat clean?
SPEAKER 07 :
Yeah, for the most part.
SPEAKER 11 :
So why is it that in America… Like they want to dump all kind of bad stuff into it. Because let’s be real, you go to the store. No, no, seriously. You go to the store with groceries and it always seems like the sorry stuff is a lot cheaper than the good stuff.
SPEAKER 07 :
But if you go to other countries, they don’t have health food stores. Really? And in the Ukraine, a friend of mine went to the Ukraine to adopt some children. So he made a visit. He was looking for milk. Okay. They didn’t keep it in the… They didn’t keep it refrigerated because… It doesn’t go through the same process as here. Really?
SPEAKER 11 :
So in other countries, milk isn’t in the refrigerators like it is here in America?
SPEAKER 07 :
I don’t know every country, but he told me. I didn’t go myself to see myself.
SPEAKER 13 :
Well, and there’s many countries that won’t accept foods from America. They, like, ban them.
SPEAKER 07 :
Look, they took a German sausage and an American sausage, looked exactly the same. The sugar content in the American sausage was way higher than the German sausage. Or the sausage from Germany.
SPEAKER 13 :
The sugar epidemic, man. They put it in everything. Yeah, and Reno’s right, man. This takes us down a whole different subject.
SPEAKER 11 :
And we’re coming back to money. So at the end of the day, that’s another bad investment, not investing in your health.
SPEAKER 07 :
And it is about money with the food because my opinion – I think America wants to keep you sick because they make money off of it. The medical industry is tied in with the pharmaceutical. FDA, Food and Drug Administration. So why is there high fructose corn syrup? In beverages. And they took it out, but then they put it right back. Some of the sodas that have glass bottles have high fructose corn syrup. People drink the glass bottles because there’s no high fructose corn syrup. But you got to look at the label because some of them have it in there.
SPEAKER 11 :
Again, if anybody wants to talk to the guys about money, it’s 303-477-5600. Jeff Bezos says, we are stubborn on vision. But we are flexible on details. Like, I think he says we’re stubborn on vision. Like, you need to have a mindset on your vision. If your vision is to be wealthy, you don’t let anybody take that away from you. Don’t let your mom, your dad, your wife, your aunties, uncles. You have to have the mindset of money in order to obtain it.
SPEAKER 13 :
Yeah. What did Jesus say about how the people in his own country or something didn’t believe in him? Yeah. That’s kind of the same thing. The people who are closest to us don’t always believe in the vision that we might have. So you have to seek outside sources, outside people that have the same ideal and vision.
SPEAKER 07 :
Just pick up a book.
SPEAKER 13 :
Yeah, pick up a book. But it is good to, like, iron sharpens iron. It’s good to have people with you that have either been there before. So what’s it say? If you’ve got five millionaire friends, then you’ll be the sixth.
SPEAKER 11 :
Again, if anybody wants to call and talk money, because we don’t know everything, call and tell us. It’s 303-477-5600. Again, this is for you men out there. We want to thank you for listening to our show. Give us a call and talk to us about money. If you think what we’re saying is a bunch of garbage and we’re just blowing smoke in the air, let us know. But I really believe that it all starts in the mind. If you don’t have the mind to be wealthy, you won’t be. we want to thank the women for listening to yes oh yeah yeah yeah yeah yes most definitely sister out there heather hey um but but it starts with your mind do you guys agree or does it start someplace else it’s my set mindset it’s my set yeah you change your mindset you’ll change your uh your your bank account but if you if you don’t have money how do you change your mindset how do you like tell yourself you can be wealthy It’s not like a portal just opens up and you walk through it.
SPEAKER 07 :
No, you just have to work on the books.
SPEAKER 13 :
But I do think we do get hypnotized, though, by watching others live their lives and make money. Wow, that is good. So we get hypnotized, but we don’t have action. So we need to find actionable plans. So don’t be lazy. Right, don’t be lazy. But it is okay to accept, hey, I don’t know everything, so maybe I need to yield to someone else that has been there or has done this.
SPEAKER 11 :
Again, people call us at 303-477-5600. We’d like to hear your perspective on money. Yeah, it’s got to be a vision. It’s got to be a mindset. I mean, if you want to attain that, you have to have the drive. You have to have the thought behind it.
SPEAKER 07 :
And you have to be careful on who you take advice from. Oh, my goodness. Because if you wouldn’t trade places financially with the person you’re getting advice from, That is true, because that can ruin you.
SPEAKER 11 :
If you listen to the wrong advice, it can ruin you.
SPEAKER 13 :
That’s huge. When I was doing my purchase of the properties and stuff, I was the money man or the person who had the credit to be able to buy the properties.
SPEAKER 11 :
Yeah.
SPEAKER 13 :
Um, and therefore I was listening to somebody, uh, uh, which was pseudo bad advice because all the leverage and all the risk was on me. Okay. Okay. Right. So I was the one to be able to lose from it. And, um, and so therefore I did, uh, it was bad advice.
SPEAKER 11 :
Hey Mark, how’s it going? Talk to us. I think we lost Mark. Oh. Oh, hey, Mark. How’s it going?
SPEAKER 08 :
You’re on air. You’re on air. You guys want to know the way to make money?
SPEAKER 11 :
Yeah, tell us. Yeah.
SPEAKER 08 :
Go into sales whether you like it or not. That’s it. So the old saying is this, and I am a perfect example of it, is that the D students are the most successful people and powerful people in the world, the ones that fail school.
SPEAKER 03 :
Okay. Because they’re the brightest minds.
SPEAKER 08 :
I agree with this. They put their minds to everything and don’t know what they’re doing. Then you have the C students that work for the D students because they’re the outgoing ones that make the sales. They love people, but they don’t necessarily have the mobility to run a business. Then you have the B students, which are just the average person that just wants to work and make a paycheck. And then the A students are the really intellectual CFOs. organized, and think they know everything, but they really don’t because the D student’s the one that creates it. So my perfect example of that is Steve Jobs, okay?
SPEAKER 03 :
Wow.
SPEAKER 08 :
So in that mentality, if you put it to that practice, you will make it happen. And then once you’ve learned the sales aspect, you can become a D student and let everybody work for you and make the hard choices, and then the money will just start flowing. And the best way to do that is to find a residual-based income. I don’t own any stocks. I’ve never owned any stocks. I’ve just done sales my whole life. I’ve built a business and we do over a billion dollars in sales. And so, you know, we have learned a lot over the years. And that’s what I tell people when I go around coaching businesses and I speak around the country talking about this very thing and how to do acquisitions. And the reality is, is find something that’s going to make you money. That old guy that’s got his established business and make it happen.
SPEAKER 11 :
Mark, can we ask you a question? How about you come into our show one day and talk with us boys?
SPEAKER 10 :
Drop this knowledge. Yeah.
SPEAKER 08 :
Anytime you want, guys. There’s a lot of things that I’ve done. I’ve been on your station many times with John Rush. He’s a good friend, but I also know what to do. A lot of people just don’t understand the risks that it takes. You know what? I’ll tell you, during COVID, it’s difficult because I had to dip into my funds to pay for everybody. But the reality is that when you have a successful business and you’ve done sales, the sales is what creates a business because you understand every part of it. You understand everything. how to run it. You understand how to connect with the customer, where the POs are going, how much profits you’re making, what, you know, who you’re paying. It’s just the whole thing of it. And you’ve got to know all that as a sales guy. And so if you don’t learn that at the very beginning, you can live your life and invest and play it safe. But those people, if you look at all these successful companies, they’re the ones that started in sales.
SPEAKER 13 :
Mark, we’re going to have Charlie grab your number, man, so we could reach out to you and have you in on the show, maybe next Saturday when our show is on.
SPEAKER 11 :
Yeah, please come on in and talk with everybody.
SPEAKER 13 :
Because we’re empty vessels, man, and we want to learn, we want to level up, and we want to be able to be charitable and give back and help others.
SPEAKER 08 :
Yeah. Well, and you know, I mean, I’ve made a lot of mistakes over the years, and I’ve been on a high horse and been very egotistical, and I’ve seen consequences of my choices, unfortunately. But the reality is, as the Bible says, don’t put your focus on the material possessions of the world. Put your focus on the possession of what Christ’s giving you, which is the Bible. And when you really change your attitude towards that, and you stop chasing the ultimate funds of the material things, He’s going to provide to you in ways you’ve never expected. And you don’t necessarily even need to make $100,000 a year. It’s where your money is. It’s where your family is. And that’s what’s great.
SPEAKER 11 :
Stay on the line right now, and he’s going to get your information. That way we can reach out to you and bring you into the show, man, if you don’t mind.
SPEAKER 08 :
Yeah, absolutely, dude.
SPEAKER 11 :
I’d love to. Thank you, Mark. So just hang on. I mean, that was amazing. You heard how much his company has done? I mean, when you start talking millions and billions of dollars, you’ve reached the pinnacle of what? You’re a force.
SPEAKER 13 :
You’ve become a force, man. And I’ve had this wrestle with some people concerning capitalism. And yes, there can be wicked and evil, greedy people. But, hell, man, there’s people wicked and evil and greedy down in the low level.
SPEAKER 10 :
Yeah, and they ain’t got no money. They ain’t got no money.
SPEAKER 13 :
They’re trying to wrestle you for, yeah, little.
SPEAKER 07 :
I do agree with Mark. Science is the highest paid profession. A lot of people don’t recognize it.
SPEAKER 13 :
In Reno, it’s applicable to every business.
SPEAKER 10 :
Did you hear what – did he hear – I mean, I go to college for the last 10 years, get a science degree, and this man is talking about – D.C. students. And that’s… Bro. I’m just a… Well, I try to be an A student, but… Bro, I was a… People know this.
SPEAKER 13 :
They’ll know it now. I’m a super senior. I failed as a senior, so I had to take it a second round. But… but but i’ll tell you this too man how do you fail your senior year i just i was a d student um but funny enough man like uh i i was always delegating like my sister and my mother would do my homework and stuff i was delegating from a young age oh i’m definitely i try to be the a student the problem with
SPEAKER 11 :
Working full-time, family, my plate’s loaded when it comes to all that stuff. But he’s right. Back to the money aspect of it, he’s right. You men are salesmen with your business.
SPEAKER 13 :
We have to become better salesmen. And when we are, I think, like Arino said, man, when we’re in sales, it doesn’t matter what business.
SPEAKER 11 :
Okay, well, let’s try to be salesmen right now. If you’re listening to the guy’s perspective and you want to sponsor, invest in us. We are a growing group of guys. We’re bringing to the table something I don’t think anyone’s bringing.
SPEAKER 13 :
And, hey, let me lay this on you. I know that there are sponsors for many of the shows that are on here, and you’re probably listening now, too. So we’re looking for sponsors. And we’re not looking to take the sponsors away, but, man, we need some coming to us. Because currently we have four sponsors with our show. And we’re having a good time. And this is an investment to us. All of us are actually investing in this show. And we’ve been on for six months, eight months?
SPEAKER 11 :
About four months now.
SPEAKER 13 :
Wow.
SPEAKER 11 :
We have two minutes. And just to follow up with what he said, we believe in this cause. We’re talking money today. And I know we’re focused on guys right now because generally men are the breadwinners of their home. So if, for example, church, let’s use church, for example. If you get the man to go to church, his family is going to follow. I mean, that’s just the way it works. Usually. Well, usually. Usually. But normally, who’s the breadwinner of the home normally? Normally, it’s the man. Normally, it’s the man. I know times have changed. Women can do anything a guy can do. They make just as much money. And I salute every… Listen, every woman out there, I tip my hat to you. I salute you. Good job. But today, we were focused on men and men making money. You know? Yeah.
SPEAKER 12 :
Yeah, this has been a heavy one.
SPEAKER 11 :
This was a good show, man.
SPEAKER 13 :
I love the topic of money discussion, though. Yeah, just the way it sounds.
SPEAKER 10 :
Say money again. Say money again.
SPEAKER 13 :
Money.
SPEAKER 10 :
Arena. Money, man. That just rolls off your tongue. It just sounds like something really good.
SPEAKER 12 :
Was that bone slugging? Gotta have money, money. Gotta make that money, money.
SPEAKER 11 :
Gotta have some money. Everybody, see y’all later. We’ll see y’all next Saturday. We’re going to try to have Mark on the show with us, so everybody tune in.
SPEAKER 04 :
Bye. It’s like to be a man It’s a lonely road And they don’t care about what you know It’s not about how you feel
SPEAKER 05 :
you provide inside that home being a man is what you make it you can’t always live up to expectations you try to please everybody while you struggle so you fake it and end up out of balance compromising situations as a good man
SPEAKER 06 :
The views and opinions expressed on KLZ 560 are those of the speaker and do not necessarily reflect those of Crawford Broadcasting, the station, management, employees, associates, or advertisers. KLZ 560 is a Crawford Broadcasting guide and country station.
