Equity Financing Your Character

The most valuable commodity on the planet is time because it's the only thing that they can't make more of.

I can build more houses I can mine more gold. I can find more diamonds. I can get more currency shit. I can invent new currencies and call that valuable -- Mhmm.

-- and I can't get more caught. And once that kind of cent is gone. Alrighty folks welcome back to transacting value where we're encouraging dialogue from different perspectives to unite over shared values.

Now our theme for what is now season 4 is intrinsic values. So what your character is doing when you look yourself in the mirror. Now, if you're new to the podcast, welcome and If you're a continuing listener, welcome back.

Today, we're talking our January core values of determination, accountability, and self respect with mister Kyle Horsley. Through growth, influence, and projection.

So without further ado, folks, I'm Porter. I'm your host, and this is transacting value. Alright. Hey, Kyle. What's up, dude? Hey, man. How are you? I'm doing pretty good. I'm doing pretty good.

So this is sort of a cool experience for me. All things considered because I don't know much about your industry concerning finance, and I certainly don't know anything about your perspective because I'm not in your head.

So Eric? Yeah. Let's just back up real quick then. So before we get rolling into the meat of this little Suarez, I can see you because we're on a video call. But for all of our listeners, who can't?

Let's just start out at the beginning. So where were you born? What do you do? So I was born in Ocala. Ocala, Florida, lived there for a little while. We bounced around. Bellevue ended up in use this.

Where the majority of my life had took place growing up, and then now I live in Mount Dora. Working in the finance industry went to UCF, bachelor's degree in finance. I've been doing that for about 10 years now. Nice, man.

Good for you. Congratulations. And all things considered a bachelor's degree today's day and age, it really doesn't even matter where you go. But I'm curious -- Right. -- especially since you're in finance, is it worth the money?

You know, it's an interesting thing because the way that it was described to me by a professor that put it into perspective is a bachelor's degree is similar to a ticket to Disney World in that you use 1 time to get into wherever you're going.

And then after that, it's really just a piece of paper.

Of course, you do get some training. I think that I'll has a lot more to do with discipline of being able to go through 4 years of course work and actually digging through and completing it.

And in my industry, it it is sort of a prerequisite in order to do anything from a lot of the licensing that you have again, your series 7, your series 66, those all require bachelor's degrees to to be able to attain those.

You know, in in this day and age, it's really hard to quantify the value of that degree because most everything these days is done through computers and with computers, you're not doing a lot of long end finance calculations.

So that's why I go back to, I think, especially from maybe an employer standpoint.

Is there more sort of discipline than I think does technical knowledge? Yeah. So I I agree with you to a certain degree depending on what you get your major in.

Obviously, you know, you're gonna do a little bit more work in say biology with labs or whatever else. Yeah. So yeah. I believe with with a grand so medical field.

Yeah. Exactly. So I've got something for you and we've changed this up since last season. This used to be our final segment. I'm gonna open with this so we can get a little bit more insight into your perspective.

So this is a segment called developing character. No. Developing character. Ready to play? Sure. So here's how it works. It's 3 questions. It's all entirely from your perspective as vulnerable or in-depth as you are willing to answer.

Okay? So question number 1, what were some of your values growing up as a teenager? Values that were in still in me. I think that's what you mean.

Yeah. Or or is that where attempted to do it still in me? Yeah. Exactly. Other than that, or what you just sort of stumbled on. If anything, You know, I honestly would say hard work. I know that's a cliche 1.

That was something that was a common theme around my house and in my life anything we're having is, I think, we're working for. So that's definitely something that's in their honesty, integrity, I think those are important.

Those are important relationally and also in the business world as well. I mentioned in the finance industry, those are Integrity and honesty, full disclosure. Those are things that all run hand to hand.

And are very important, honestly, to have a good profitable business life, but just, you know, as in macro as in a civilized society, I mean, you need those things to be present over the large majority of people.

Well So then let me ask you this. If that's the case and it's basically held through to you presently now, what are some of your current values then if different?

No. I would say they hold about the thing. Now I am married. I have a 1 year old. I want to instill those same values of her, especially things that are not as prevalent as they may now in society as they might have been historically.

So those are something that I think are very important for anybody to, you know, to have the Integrity Cardboard character, and I wanna try and instill those in my daughter as well.

Something that I still hold true to in my industry, I wouldn't have.

I wouldn't be in the industry anymore much less to have a client base because other people obviously value these things as well. Alright. So then that leads me to this third question of the segment though.

How do you see your values changing as you get older? Let's say over the next 20 years? Well, you know, my values are ones that I think that they probably won't change much. I think I'll adapt to the world as it changes around me.

It's a very dynamic environment. Things seem to be moving at a very fast rate. I don't know that I would really pray too far, I might actually maybe develop a shoe that were more underlying in the past, like for example, leadership.

I don't think I've ever considered myself a leader. I definitely because I don't have an entrepreneurial spirit.

I think you've classed by me more as a corporate man. I'm happy to go and work for the man, but right now with my daughter being in the picture and maybe more kids down the road.

Leadership or something that could be a value that becomes more to the forefront of may I much much happier being in our office somewhere left.

My own device is not leading a team or anything like that. Dude, I totally agree. There's a lot of benefits to being, what'd you call it, a corporate man, and just getting paid to basically do what you're told.

But, you know, as a parent, sort of like you alluded to, you don't have a choice Like, you conceived a leadership role.

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The place with the boiled peanuts. You know, as a parent, sort of like you alluded to, you don't have a choice. Like, you conceived a leadership role, you know. So -- Yeah. -- it's out of your hands now.

But I I'm curious, especially concerning finance but now since you brought it up, character and personal values, there's an interesting concept in the financial world for anybody listening It's called equity financing.

Just so we're we have some clarity here. Kyle, can you just give us a baseline definition that we can work with for equity financing real quick?

An individual if I wanted to buy into your business or you into mine, I could issue you shares of ownership or what some people might understand more as stock.

And for that, you give me money. We work at a value for that company, which would mean all of my shares, you know, versus take the value divisible by the shares and you got some rough shot numbers that you could discuss.

We'd have to agree on the valuation and then how much you wanted to essentially purchase of my company and then you would become an owner in the company and have right for privileges depending on ownership and other owners.

And then that could also down the road means if we return value to you as a shareholder in the form of dividend or price appreciation, that's going to be kind of a mutually beneficial relationship for me as a business owner and then you as now shareholder or equity ownership in the company.

Sure. Okay. Let's use that example then. Right?

Where you offer a portion of ownership or somebody else to give you money or essentially transact some form of value to help you then in turn get higher profits down the road that they get a percentage of, like you said, as dividends.

If that's our baseline for now, tying that back into character. Okay? You remember, I don't know, maybe not personally, but do you remember ever learning or or hearing about, you know, you could just buy a car off a handshake, you know?

Yeah. Yeah. And it's back in the good old days, they say Yeah. Yeah. Can't take a green light. Yeah. You know, the gentleman's deals. Like, is that -- No. -- is that gone, that opportunity, things like that?

Yeah. You know, unfortunately, as far as it pertains to the business world, everything is so highly litigated these days. And so highly regulated for the most part, I would say that those days are in the past.

Now you have an issue where everything is done on contract. Nothing is entered into until your team of attorneys reviews what my team of attorneys wrote and then we negotiate that.

And those are really just the only rule. The issue is that people still find ways to, you know, get around I don't wanna say be unscrupulous, but they basically say, oh, well, this is what the contract reads.

So that means I can do that, that, that, that, that, that, that, that.

Okay. Let me ask you this then. For example, we talked about bachelor's studies we talked about college education earlier. So let's just roll right into student loans for the ease of a transition here.

Mhmm. Right now, If I get somebody to cosign with me and qualify, I can get money to go to college. But the only repayment is money plus more money to pay back the initial investment.

Right? Principal and interest. Right. Principal plus interest. Yeah. Sure. But high school, primary school, secondary school. If you do well enough in school, you can get scholarships.

So that's merit based. Right? Based on your effort, you can get money. Yep. Yeah. Okay. Sure. And then grants, obviously, you don't have to pay those back, but still same prints.

Right? Why couldn't we do that in business from your perspective? Why couldn't I say, you know what, based on my resume, based on my education, based on my GPA, based on my skill sets abilities, potential, whatever business plan even.

I'm requesting this much money. In turn, maybe I'll give you a percentage, maybe I'll whatever our terms are.

But you agree to it not because of the amount of equity that you would get on the back end as stocks, for example. But because of the potential, the mutual respect the value that you see in the character building aspect.

Is that possible? I think that it is. I think that they're maybe even some of that going on now in very small scale and smaller companies your larger industries, like for example, I'll use mine just as an example here.

The banking industry, the finance industry, it's so highly, highly regulated that there's almost no room for any type of creativity or for any incentive actually to think outside the box.

Okay. So I think that's why you really don't necessarily see a lot of that in all industries, you know, the medical industry for example, that would be another tough 1.

I mean, you have to have a lot of extremely technical knowledge where character albeit, of course, important.

And the 1 you could argue that character, you would only attain that technical knowledge by having high strong values because of the sacrifices you would have to make.

I've never gone through medical school and I know people will laugh. And and to sacrifice relationally and every other way.

Don't get me wrong here though. You would be a a fool to loan somebody money just because they seem like a good guy and seem like they're dependable. Right? So so with, like, for listeners if not for ourselves here.

Let's just establish that. Right? Like, I'm not trying to advocate, well, you know, that guy sitting on the median outside of Walmart he's reliable. I mean, he's there every day for hours a day. You know what I mean? You're a great guy.

Right. Right. And now some of that's genuine as well, but Right? I'm not advocating based on reliability or certain personality traits that people then also earn money. Right? Like, you gotta prove you can manage it and handle it.

Sure. Right. But what about some sort of repayment plan then? Maybe based on I don't know, a value system where let's say, for example, you give me 10000 dollars to start a business.

And I say, okay. Sure. I'll repay you I don't know, interest for the next 12 months, and then I'll start paying you back exclusively principal, and I'll have it paid back to you in 30 months.

At, I don't know, 5 percent interest. With only what's on paper and me just starting out, say I just graduated college, I've got no experience.

Would you take the deal? Not for me personally, but in that example, hypothetically. I see your point there, and I think that's the tough 1. I mean, that's I think that there, obviously, that has value.

And the reason why I say that is there are a lot of people who can't get over the barrier to entry into business or whatever they're trying to get to because of the situation that you just painted.

We had talked to others before, but an 18 year old can go get a hundred thousand dollars student loan to go get a bachelor's degree in underwater basket leaving.

Sure it's the same 18 year old can't walk into a bank and get a 10000 dollars loan started this -- Right.

-- because that 18 year old has no credit, no income, no assets, So the bank does no way your humongous liability get out of my office.

Yeah. Well, debt makes money. Right. Exactly. And that same exact banker will lend that hundred thousand dollars all day long, like, on Sunday, and it'll make them so be rich.

And so there also are individuals who say, I'm not doing that. My values are 1 that I don't want to borrow money. I don't believe in that and I want to go down a different road.

That individual does have a harder time and a harder hill to be able to get over to break into their industry or whatever it is that they're wanting to do because our system just really isn't that up that way.

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That individual does have a harder time and a harder pill to be able to get over to break into their industry or whatever it is they're wanting to do because our system just really isn't that uplift like it used to be.

And I think a lot of that comes with regulation. Regulates it away.

And you've got bad actors and you've got bad actors who will take advantage of the situations, who have no characters, who have no morals, who have no value, who will look you in the eye and shake your hand with the intention of scurrying you, from Junction.

Yeah. And that's where you have the inception of contract and contract law on litigation because I may lend you this money, and I believe you, and you may have every intention to do the right thing, but you fall on hard times.

And if I don't pass pay you back, maybe then I won't. And then therefore, I as the lender, my only recourse is this piece of paper that we go take to a judge and let him decide.

Sure. So it is an interesting question, but it's such a difficult concept because when you just pass me, yeah, I believe in it and I 3 with you.

But when I step out there, off of a handshake and a good conversation, am I gonna give you money for a loan?

I don't know. Yeah. I mean -- Yeah. -- that there's a floor. Right? Like, I'd loan you 5 bucks, man. If you needed it -- Yeah. -- you asked me for 8, I'd think twice. You know? And I understand it. Yeah. No. I I get it.

I understand. I get it. Right? And everybody scared to be that guy left holding the back. Well, I mean, you say that, but SBF just made off with a bunch too. That may be another conversation, but, like, Sounds like a good guy.

Here's a bunch of money. You know? I think it comes down to the amount of layers distance in-depth between you and the receiving end of the transaction, the other party.

Yeah. You know, because it seems like it's filtered through I don't wanna say washed, but you know, layered through a bunch of different layers there, then, well, it seems a lot better because I can't follow it as well.

So there's something to that, but let me ask you this. And I understand just to couch this point for you and for anybody that hears this. I get you're in the finance industry, so this is kind of a loaded question.

But all of that being said then and you earlier having said that some of your personal values are honesty and integrity and valuing those things is personality traits in your character.

How then do you better more consistently align your personal values? Within, you know, the financial industry or your day to day life, how do you exemplify those things aside from just showing up to work on time?

Well, for me, you have to have there's a lot of conversations where people say, here's my finances. My finances x, y, and z.

Do you think that I'm gonna be able to do this, start this business, buy this vehicle, buy this house, or just say something simple as I wanna take, 80000 dollars a year in retirement income from my investment cannot do it.

Mhmm. While me, personally, if what I see doesn't merit that, yes, you have to explain to them, no, and here's why.

Now that may mean that client gets us and walks out of my office and I leave that business transaction. That's 1 less client I don't have.

That's 1 opportunity for revenue that I would not have, but and otherwise giving that person advice for giving that person confirmation on something that I don't believe is attainable and I'm able to quantify reasons once and 5 why it is not.

And I can show that with math. That's something I have to do, whereas there may be other individuals in the industry say, oh, yeah. Yeah. Yeah. You're gonna be Sally. It's gonna be completely fine.

Here, let's put your mind over here. Let me generate a commission in 10 years when you run out of money. I'm not gonna spare. I'm gonna be in the wind anyway. Yeah. I'm gone. So there's a lot a lot a lot a lot of that going on.

It's funny you bring that up too, man. Here's a perfect example. I've got a friend. She went to a private school. Got her degree. All 4 years, I'm pretty sure she finished. All 4 years. Loans, loans, loans, loans, loans.

Now in hindsight, given what's currently on the table, federal loans might not have been a bad option. However, at the time, rates were better with private, and so she privately financed over a hundred thousand dollars in 4 years.

Wow. And now nothing she can do about it. They're not offering anything and to refinance now at a higher rate wouldn't do any good either.

Right. But I'm not here to, you know, cast blame. Just as an example, the registrar, the financial aid staff, the bursar, somebody Somebody should have said, hey, look, you can sign here. Like, I'm not gonna tell you what to do.

Yeah. You're an adult, but, you know, think about what you're doing and here's what it means. I've fallen to this before too where somebody says, do you have any questions? No. No. I can't think of any.

Right? Because I don't know what you know. So you asked me if I had questions and I'm like, well, I don't have any questions, but I don't know what I don't know. Exactly. I was just gonna say, you don't know what you don't know.

And that 19 year old in this scenario, somebody at some point should have stopped and said, hey, Do you know how much education you have to have to actually be employed in the field of psychology?

You've got 12 more years after the bachelor degree if you ever wanna earn 1 dollar in attendance. Yeah. So maybe you should not take these loans. Somebody in that the loan officer or the registrar's office to your point.

They are the ones who have been entrusted as the gatekeeper to those money. But then at the same time, you incentivize them and say, loan as much as this money because that makes money.

Yep. And regardless, you know, whether you think that this loan is detrimental to this person or not. And so counterargument to what I'm saying is, well, okay, here's a value for you.

Personal responsibility, Kyle. That 19 year old has a personal do it. You know, that 19 year old isn't much sure enough to drink the coldest, much less make financial decisions that alter the course of their life.

We we talk about that point all the time because sort of the inverse of that point actually because we've got kids just in the military is a on reference here for anybody.

Listen, we've got kids that come into the military in the US at least 17 years old with a waiver, 18 years old without 1.

You've been in the delayed entry program since you were 17 and 3 quarters, Steve. But now that you're 18 in 1 day, we don't need anybody else's approval, man. Come on. And then he's like, well, Fuck it.

Okay. Sure. Oh, and by the way, that 6000 dollar bonus that you just got for 6 years in the inventory, totally worth it, man. Sign here and here. I'm like, okay. Cool. Now again, who's to blame is irrelevant?

And what you were talking about from more of a collegiate perspective is the same parallel. So let me jump this out for a little bit. I suppose the next generation in question here then would be millennials basically outreach.

Right? So what do you teach the soon to be college kids? What do you explain? How do you explain? Here's why values are important, like hard work, ownership, responsibility, competency, whatever.

But explaining those things to then say, because this is what you're fixing to get into there, Bradley. And you need to understand that nobody's gonna hold your hand.

And for the next 10 years, you're repaying this. It's because you made the decision. You know what I mean? How do you recommend doing that? Or what books maybe do you recommend to get some insight?

I think the best way to help those individuals that find themselves in that scenario. And it may be good intentioned or it may be something I just wanna get out of my parent's house.

I wanna go party. But it could be the legitimate I just trying to get myself out of my situation and have a better life. Explaining to them how that works.

That's really not taught in the K-twelve system, specifically when I go and take out this student loan to pay for my tuition, my food, and whatever, room and board, I'm borrowing that money from my future self.

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A wise man learns from the mistakes of others. A foolish man learns from his own. When I go and take out the student loan to pay for my tuition, my food, and whatever, room and board, I'm borrowing that money from my future self.

So that is money that I'm still reaching into the future, pulling it into the present, and for that gratification right now, right, wrong, or indifferent.

That's the ability to not delay gratification. I want it right now. So I'm gonna go borrow from my future self. Well, that future self, maybe college doesn't work out the way.

You wanted it to, maybe you don't get the finish, maybe maybe you do finish and then you find out, oh, the industry has changed in such a way while I was going through college that there actually isn't a job for me on this other side, a good paying job.

And now I'm stuck with this degree and I'm stuck with this loan that I borrowed from my future.

So not all the while has been accruing interest, whether the payments are delayed or not delayed for whatever reason, but it's still a cruisers.

Then that's why you end up with a hundred thousand dollars agreeing that you say might have been worth it.

But in reality, by the time the interest of cruise and everything passes you buy, interest rates change the devaluing of our dollar.

So now we have to have more dollars do the same thing before. Yep. So there's a little current event for you. Now that student loan that was a hundred thousand may have 300000 dollars of purchasing power attached to it. That's an asset.

That's a hope. Yeah. And here's the thing. If you go and borrow 300000 dollars to go buy a home, same amount of money, comparable interest rate. I've just borrowed money from my So from the future, I did everything about the thing.

The difference is less student loans. You don't really have assets. You have an off opportunity to earn an asset, which would be cash flow. But if I take that same money and borrow from myself in the future and comparable interest rate.

And then go buy a home. Well, the assumption is that that home will continue to appreciate and value whereas a student loan, you don't have that opportunity.

It's not attached to anything. It's really your truly betting on yourself a huge amount of money. I'm gonna derail you real quick.

You're betting on yourself a huge amount of money. I agree. However, if what you then spend your time on, which is ultimately what you just traded for that money in advance. Right? It's in advance for your time.

That then if you found ways to appreciate your value, learn something, do something with it, whether it's get a job or otherwise, but, you know, become a better version of you or become more of a you that the future you could be proud of, for example, to your earlier point.

Mhmm. That may help offset a little bit, but you can't forecast the future with any sort of certainty anything could happen. Right? So -- Right.

-- I guess the last question I have for you before we close this out then, all that being said, is How do you recommend then, you get a better handle on, maybe future you, or what present you can contribute to a better future you?

What's worked for you even? You know, I think that in my situation, you have to find out the things that are important to you.

You know, show me I think the expression goes vaguely. I'm gonna watch it pretty certainly, but show me where you spend your time, and I will show you what matters to you.

I will show you what's important to you. So in my instance, that's really the most precious commodity for me in my situation, I've gone through college.

I am solidified in my career goal, in my career, and now it's just filled my career, take care my family. So the most valuable commodity on the planet is time because it's the only thing that they can't make more of it.

I can build more houses, I can mine more gold. I can find more diamonds. I can get more currency shit. I can invent new currencies and call that valuable.

I can't get more time. Once that kind of set is on, so that's something that I focus on now is really allocating that time, the most valuable resource that I own, just allocating it effectively and efficiently. For me, it's okay.

Let's not spend 4 hours watching Game of Thrones reruns this week because I can use that time to further my knowledge around inflation and interest rate and Fed funds rates, how that pertains to global market. Sure. For example.

So that's something that I focus on and honestly something that when I get opportunities to talk to, the younger generation is really trying to help them understand that concept of, especially when you're younger, the 18, the 19, the 20, time is the most powerful thing that you can do, whether it's to gain knowledge, whether it's to build a NAND or whatever relationships or it to just invest something simple, save and invest for the future.

Your time is what compound your returns in every single 1 of those areas, you know, previously in my life and I'll contest this.

I waited a lot of time. I did a lot of time. And now I looked back and said, man, if I had only been on this track for the last 15 years, instead of the last 10 or the last 8, how much different would things be?

And just getting started it early and staying focused and allocating your time effectively and efficiently. If you do those things, whatever it is that you're doing, your probability just to accept, just, I mean, is exponential.

Sure. So, you know, that's something that and in this generation where everybody's walking around, you see it, I see it. Knock. It's just how we are. Everybody's got these phones glued to their face. They're walking around the store.

They're swiping. Swiping. Swiping. Your phone will tell you how hours you spent looking at it every week. And it's it's crazy. When you think about all that time, you know, if I say your iPhone said you spent 5 hours last week.

We're looking at Instagram. Okay. 5 hours a week over 5 years. A lot of time, like, it's not looking at Nothing. Nothing that adds any value to your life at all whatsoever in any way.

Well, unless, I guess, it depends on what you're looking at. Right? If you're looking at something and you're learning something or applying it in -- Sure. -- or positive or -- Appreciate that direction.

You know? Like, you've you've gotta respect yourself enough to appreciate your own time. I think that counts for something. Yeah. And then, personally, I honestly think that's a good point. That's a very good point. Thanks, dude.

Well, I never really thought the whole respect yourself. I just kind of take the 90 year old grandpa approach and what are you if kids what do you do and get your nose out of this a look, but that's a really good way looking at it.

You know, you really do have to respect yourself enough because it's your luck.

Nobody else losing out. If you're spending 10 hours a week playing video games for no reason whatsoever other than it's just on board, that's what I wanna do.

That doesn't hurt anybody but you. Exactly. You know, it doesn't it may not cause you physical pain or physical ailments, but it's hindering you in somewhat.

Yeah. Well, you know, you and we can Right. Well, that's true. Right. All things in moderation, I guess. But -- Sure. -- but need moderation. Maybe that's something we can get into in in another conversation or another time.

But speaking of time, for the sake of it, I think there's definitely a lot of value placed in accountability and ownership and self respect when you're talking about how you spend or more specifically allocate your time and how you consciously take a role in attempting to appreciate it.

Because there's an opportunity cost there too. But -- Mhmm. -- all that being said, man, I appreciate the opportunity to talk to you.

I appreciate you coming in and being, I guess, willing to be vulnerable and open and just talk a little bit especially for a whole bunch of strangers to listen and judge you on Instagram for 5 hours a week, you know?

So so this was good, man. But first off, let me just say I appreciate it. And thank you. Yeah, man. You're welcome. Thank you. I appreciate it. We always have good conversations. I'm sure we'll have more in the future.

We always get to the bottom of something. Yeah. Yeah. I I don't know what it is or where it's going, but there is a bottom at some point. Actually, I gotta think about it somewhere, but we made some points in there. Yeah. Yeah.

So saying that, man, to whatever extent you feel comfortable, if people wanna reach out to you concerning finance, concerning maybe even financial representation or advice, or just you as a person, Are you okay with people reaching out to you, or would you just prefer they get in touch with us and we get you guys in touch?

What what's cool with you?

Yeah. Yeah. That that would be a really good way if they contact you, I can reach out to them. It definitely would be something that I would be glad to do. I do a lot of that. As well. I don't charge anybody for those types of things.

But if somebody has some things they wanna bounce off, maybe they're thinking, does this make sense? Does this not make sense? Whether you agree with me or don't agree with me, you're gonna get my own opinion.

So I definitely would be willing. Yep. Absolutely. Cool. Yeah. I mean, that that's this whole combining conquer philosophy that that I've been trying to push out over the last year.

Right? Like, you don't need to be accepting of everybody, but gotta be open minded enough to be willing to learn something.

Right. I think at least it's the only way that you can actually guarantee your time then consistently has value. So -- Absolutely. -- but saying that again, Kyle. Thanks. I appreciate it into everybody listening.

Thank you for listening into our core values for January of determination accountability and self respect. I really appreciate the opportunity to discuss some of this, especially now at the start of the New Year.

I'd also like to thank, frankly, everybody in the finance industry, whether you're a broker, a professor, a student, or, you know, a broker, or a student debt, and all the above.

Because without any and all of those experiences. 1, we wouldn't have as much to have talked about. But 2, we wouldn't have as much collective thought to learn from. And all of it's just as much in reality as the next.

So thank you, all of you for your inspiration as well. But also thank you to our show partners Keystone Farmers Market, Hoffman Clubger Farms, and also Buzz Broward for your distribution.

Now folks, if you're interested in joining our conversation or you want to discover our other interviews, check out transacting value podcast dot com Follow along on social media while we continue to stream new interviews every Monday at 9AM Eastern Standard Time on all your favorite podcasting platforms.

So until next time, folks, that was transacting value.