Hey, what’s going on Fellow real estate investors. This is John with REI Wealth Academy. We just got done talking about, you know,don’t be perfect, just be active and  of course we want to be active in going in the right direction overall. And we’re going-to be talking about that through November. We’re going to be coming back to that theme over and over again.   This video,we’re really wanting to get into a little bit more about making sure that we are just adjusting that as we start moving in a direction, it may not be perfect and that’s okay. But then we need to look back at, at the action we took and ask ourselves what result did it get us? Did it get us the result that we wanted? Why or why not? And then we adjust. So every time that we take an action, we always want to be thinking afterwards to come back to it and go, did it get me closer to where I want to be?   Is it the right type of action that I’m taking? And honestly,you know, posted on our Facebook page, reach out to us. if,you have a question about that, say I just took action on something here, is this the right step for me? And there’s somethings that we don’t  know, but the more details you can give us about, kind of what you’re doing, the more that we can kind of reach out and be able to help you in that way. But you always want to be able to adjust.   Now, one of the first video that we did, not the one right before this, but the first video that we saw with that, I was just in my office and I had some imperfect things going on. I thought this might be a little bit better of a background to actually talk a little bit more about through the video.   So this is a quick way that I adjusted real quick on how to frame just a video overall to make sure that I’m presenting the best possible, appearance in a video for you. I know that sounds really simple, but it’s a lot easier than being at now. If you want to see the behind the scenes type stuff, we can certainly do that. I mean there’s stuff with my kids over here, there’s a little kid, my baby’s playmate four month old, she loves playing on this thing just sitting right here and my dogs walking around here somewhere. I’m sharing here a jingling or whatever. It’s not perfect by any stretch of imagination, but it is better than what the first video was. it hopefully that we’re drawn the theme through. It’s better than the second video because we’re adding on to that content or adding onto that knowledge base for you overall.   So we talked a little bit about just getting started. Just get back into it, just take action there and then don’t worry about it being perfect is the second thing. And then for this video we’re talking about making sure we adjust as necessary. So these are all mindset things that are coming. I haven’t really mentioned the 10 secrets a whole lot. make sure you are checking those out cause those are going to be the things that really helped kind of frame and frame your mindset for the upcoming year for your goals and everything else as well. And it also makes sure that we’re taking an internal look at who we are, who we want to be, and taking an honest and thoughtful look about where we are and where we want to go. And then we’re trying to provide some of that content and provide some of that training for you to be able to get from where you are to where you want to be.   Cause you’re the hero of your own story. There’s nothing that I can do to get you to move. All I can do is kind of point the direction, point the way, point you out to REI Wealth Academy and Roberta give you some of their resources that are out there as well for REI wealth Academy to get you where you need to go. But you’re the one that to take action,

Hey What’ going on fellow real estate investors. This is John with REI Wealth Academy. I just wanted to quickly talk about a little bit more about framing up our mindset through the rest of the month of November as before we get ready for planning out and plotting what we’re going to be doing for 2020 all through December and I’m going to give you a whole bunch of great tactics, tips, techniques, things that you can get ready to frame up the action steps that you need to take for 2020, coming up. And what’s crazy is a lot of people think that sometimes, you know, real estate investing is more in the summers. Maybe it’s more in, other times during the year, not the winter, not the holidays. That’s when everyone’s trying to be around family. but in reality, that’s a lot of times when people really kind of need to sell houses the most and sometimes when you get the best deal. So having your intent up and looking around for those deals is really, important.  So we’re going to go through the next couple of things. Just to make sure  that we’re working a little bit on mindset before we actually get into, how we frame up, having your intent up and looking around for those deals is really important. We’re going to go through the next couple of things. Just to make sure that we’re working a little bit on mindset before we actually get into, how we frame up the coming year overall. So action versus perfection. Well,honestly, action beats perfection every single time. And I have that written as a reminder in my office so that every time I look at it, I can remind myself that it doesn’t need to be perfect. And sometimes the reason why I think it needs to be perfect in reality is because I’m procrastinating, doing something  that I know that I should be doing. Overall. Whether that’s putting out videos like this, whether that’s calling up a home buyers or whether that’s be putting together in order to make it happen with my goals, my dreams that are aligned with how I do real estate investing. So, make sure that you’re active. Always, always, always think about one thing that you could do today that moves you forward and just really be honest with yourself when that happens. Is that something that is just getting in the way, does that make  you  feel like you’re being active when in reality you’re really not being active at  all I mean, if it’s not picking up the phone, if it’s not sending out a mailer, but  it’s not sending out an email if it’s not actively going out and getting business, if it’s not actively going out and raising money, if it’s not actively going out and  finding deals, it probably is something that’s really getting in the way. Especially  if you’re bootstrapping your way through it and just getting started. You really just have to supplement any of the money you don’t have. You have to supplement any of the skills that you don’t have with hustle, and we’re here to try to provide you as much guidance of where you   should place that hustle, knowing that we’re all, that trust is going, you might be   all trust, no vector, but we want to make sure that you’re headed in the right   direction. Well, you have to make sure that you’re doing all the things, necessary to do that. And those are action taking steps that put money back in your pocket. Those are things that get you closer to a sale to close the sale overall, whether that’s  acquiring new property or selling that property elsewhere, no matter what strategy  you’re doing, those are the most important things that you possibly could be doing   with your real estate investing. So, we’re going to go into a few more just framing up our mindset a little bit through the month of November. Then we’re going to get into tactics and techniques, in 2020,

What’s up fellow real estate investors this is John with REI Wealth Academy. Man! it has been a while, hasn’t it? So I’ve had all kinds of crazy things and I’m sure throughout your life, you know, maybe you set certain goals way up high and then just something in life just comes and smacks it all aside and you have to reorganize and redo a lot of things about your life. But now you’re getting ready to get back on track. And a lot of ways, that’s where I am right now. I’m with even putting out these videos and getting started. My wife and I, we had a new baby. I officially left the military in the air force altogether, so I’m no longer affiliated, in any way, which kind of opens the doors and a lot of opportunities or things that I wouldn’t have been able to do before. But I’m real excited for a lot of the opportunities that are presenting themselves to me. And I’m real excited to kind of have to be unshackled, for some of that. We also moved all the way from California to Nebraska. That, I mean that’s a huge shift. That’s a huge move for anybody to go through. So overall what I really want to stress to you is life is going to just come in there like a freight train sometimes and just smash all the plans that you ever had. And that’s why having your big why is so important. Number one, it does keep you focused when you’re in the zone, when you’re in that work environment where you’re struggling and you’re striving every single day just to get out there, to get leads, to do driving for dollars, to do all of the daily activities that put money back in your pocket, having that big why helps you stay motivated to get things done. It also helps you reorient when things go awry. When that freight train comes through and just smashes your life to pieces, so to speak, well to the point that you’re able to get back up and to start, you can then kind of reorient to that North Star of your life that big why and then start again. And there’s no shame in being able to start again. There’s no shame in having to kind of take a step back. It just simply understands the reality that you’re not where you want to be. There’s no sense in going back over the past at all. You got to forgive yourself for anything that you’re responsible for because right now you’re responsible for making sure that you determine what your future’s going to be and your big why is absolutely a huge part of that overall. This is going to be a little bit of a motivational, kind of a week, motivational kind of month overall as we’re going into Thanksgiving, going into Christmas, getting ready for 2020. And I want you to think about this like, even though maybe you haven’t done things all year, maybe you’re not, where do you want to be. Finish out 2019 strong by doing the things that you need to do every single day. And then just trying to get back to that big why, trying to get reoriented yourself to getting the things done that you need to get done. And then it’s simple as that. Try to find a way. If you simply, you’re looking out into the future and you now there’s all of these things that you need to get done. It’s this gigantic elephant. Well, you just need to take one bite at a time and just celebrate the fact that you’re getting disciplined to do those one, that one thing today, that one thing this week, that one thing this month in order to push your life forward to where you want it to go. That’s what I’m doing in my life and in my business. That’s what I hope you’re doing in your life and your business and your real estate investing career. With that, just look forward to seeing a whole bunch for me on this videos and make sure you like and subscribe everything we’re putting out, whether that’s on reiwealthacademy.com, whether that’s on the Facebook page. Make sure you’re getting involved because we’re going to take thi...

What’s going on, fellow real estate investors, this is John Coming at you with the final video for negotiation in the sales, a theme that we’ve got going on for this quarter and we’re going to be talking a little bit more about that, but first, make sure you’re following us on Facebook, on twitter, on the podcast that we’re putting out on the Facebook group for Andy and his team with the Roanoke real estate education group. Make sure you’re checking them out and getting involved in taking action in your business with them and also on our blog. Make sure you’re following our blog to get all the latest content that we’re putting out in the action steps, action plans that we’re putting together a for the week and for the month overall. And then as that leads up into the live training event that we were going to be putting on an every single quarter for you guys. So with that, let’s get into it. So we talked already about a couple of different items that deal with negotiation. You know, begin with the exits in mind as you’re getting started. We talked about being prepared for an offer, all the things that need to do and you’ve brainstormed a couple of items from your action steps for each of those are you going to do DIY, you’re going to do done for you solution. And again, that’s all about posture. So this one’s all about posture but a little bit more actionable for you. And I’m going to give you a kind of a three step process that might seem silly and I find it absolutely hilarious, but it absolutely works and you should definitely just go try it just to go haggle with somebody at a fully market or something like that for sure, but it kind of goes a little bit like this. And so the topic for this one is just a counter with questions. You’re going to give him a counter offer for sure, but more immediate it either right when they call you to confirm or, and you’ve already looked, maybe looked over the offers are calling to confirm you or immediately follow up within half the time or even a little bit of a time that you are expected to give your counteroffer just to talk to the person about the offer itself before you actually submit anything back. So, the quick three step process, so it’s the grimace, the long pause and countering with a question. So let’s say someone comes up to you, you’re selling a house for 120,000, and it’s a nice house. You flipped it, you’re getting ready to sell it, and you have some other investor that took some course. It’s going to just come in with a really, really low ball offer overall. And they come in at, you know, let’s say 60,000. They’re coming in at 50 percent even though you just put all your time and effort into it, even though you got a good deal on it, you’ve upgraded it, you’re getting ready to sell it. And they come in and say, Oh, I’ll offer you $60,000, Wait for them to say something for sure. But once I do say something, you can then follow that up with, you know, with all the work that we put into it in, in all the evaluations that we did, you know, our offers at 120. How’d you come to your number? And so for them it actually puts them back on their heels. Now the ball’s back in their court to think about, hey, did I really think through this offer? Maybe am I just throwing stuff out there? Am I going to be taken as a serious investor if I’m just throwing out offers or do I actually have a system for actually coming up with an offer? If you have a system that comes up with an offer that’s like that, maybe you have that person has data that that you don’t. Maybe you have data that that person doesn’t. When you’re coming in with that offer, trying to get it at a either selling it at a premium price or making sure you’re getting it at the best possi...

Hey, what’s going on? This is John. Welcome back fellow real estate investors for Rei Wealth Academy. Going into the third week, we’re talking about negotiation in the context of sales overall. Before we get into all that and make sure you’re following us on Facebook, on twitter, the podcast that we got put out also reiwealthacademy.com. Check out the blog that we have there. All right, so let’s get into this real quick. So the question that I have is do you do a DIY or a done for you solution, a DFY? Which one are you going to choose in order to sell your home? Now there’s pros and cons to both and I kind of want to go through that, but again, I want to go through it in the context of negotiation before we can get there. Let’s talk about each one of those. So DIY, so even with that, are you going to be the one that’s putting out your marketing and putting out all that stuff? Well, how long you actually have and how much time you’re willing to put into it is going to affect your posture. When you go to negotiate, because if you’re running up against timelines, if you’re still living in the house like I was now is the lesson I learned, I will never sell a house that I’m living in again. Like that was just a nightmare with two little kids, a five year old and a two year old and then a wife on top of that who is also working and having the babysitter come over. I’m not doing that again because that didn’t put me in the best posture necessarily. Now I still got still fetched a really good price for the home, a private home that ended up selling like that. And I also used a listing service which really helped as far as the marketing actually went and I had to do some minimal stuff and had some things ready to go for the negotiation when it came in from other agents knowing that I was going to expect that. So there were some things that are positive about that experience, but also some things that were negative about it as well because, we also had to. We’re getting ready to move. We had movers that we’re going to come over at a certain point in time as well, you know, when did we want to apply to move into another house? So these were all the things that we’re factoring into my posture when I was trying to get ready to go into a negotiation, so not necessarily the most, the strongest point, and that’s something that I fully acknowledge.   I wrote down as lessons learned for myself to make sure that I know that. So on the other side though, on the done for you, obviously a listing agent, this is where they’re really going to make their money because they’re experts supposed to be at a marketing your property, putting on the MLS. Now if you get with a listing agent that really just isn’t cutting it, just fire them. Just you know you. Yes, you have a contract. Yes, you have to abide by it, but there’s a point where if they’re not, if you can document that they’re not doing it for you, man, just get rid of them. Because if they’re not doing the services they’re supposed to be doing, there’s better ones that are out there, but again, they have a premium for being able to do that and you’re kind of delegating a lot of the negotiation piece to it. So you’re giving up some of the power there because you’re having to go through a third party in order to be able to have the transaction go your way because again, you still want your price that you’re looking for. But again, how your posture is between whether you’re doing a DIY or a done for you is going to matter a lot. So how did you put it up? Back enough money, enough holding cost, a way to be able to afford, the timeline that it might take, especially if you’re doing a for sale by owner. I’m like, I was, I was prepared to go a little bit longer and even if...

Hi, this is John with REI Wealth Academy. Welcome back, fellow real estate investors. We’re talking about negotiation this month. Again, before we get to all that make sure you are following us on the blog, on Facebook, on twitter, everywhere you possibly can to share this out to your friends. You know you’re getting good content and you know that they’re going to benefit from it as well, so make sure you’re reaching out to those folks as well. Also share the podcast; we’ve got a new podcast. It’s out. It’s got some awesome content from the 10 secrets that we have of all the videos that I went into, just converted the audio and has the video formats on there as well. Make sure you’re consuming that content. There’s a lot of good stuff that’s on there. We’re going to be producing even more content on a regular basis on the podcast as well, so make sure you’re checking that out. Alright, so we’re talking about negotiation overall. So last time we talked about making sure that you begin with the exits in mind, so multiple exits and doing that. This week we’re going to be talking more specifically about, being prepared in general, so prepared for what exactly. Well, being prepared for an offer. So what are some of the things that you could possibly think of for the offer? What are they going to want? What contingencies, where they want? What’s the standard contingency for the state that you’re in? Is it going to be coming from an agent? Is it coming from a just a normal buyer? Is it just happened to be a referral that you had to say, hey, this person is looking for a house, You might want to contact them, hey, you actually now get to initiate it. Put the ball in their court before they’re putting a ball in your court with an offer. So there’s some things that you really want to think through as you’re going, as you’re about to receive an offer for the property itself. So some things you really want to keep in mind is, is knowing the amount of money that you are willing to spend in order to accommodate the sale overall. Are you willing to pay for the commission? Are you willing to split the commission? Are you willing to ask for certain things to be done and I’ll give you a story of mine that I wish I would have known prior to selling a house and hey, you know, there’s a lot of things I really don’t know. I’m still very much a newbie and a lot of this stuff too, but when I went to sell my personal residence, I’m. One of the things that I didn’t expect and that I should have done earlier was had a termite inspection done prior to that actually coming up because it costs me more money because of the timeframe being condensed. I had to have the convenience of having somebody be diverted to get it done, which they ended up getting paid more in order to do that work should not have costed me nearly as much as it did. I should have done something a little bit earlier. I should’ve been more prepared for the offer that was going to come. However, I, The one thing I did do was make sure that I had the right amount of money I was comfortable with, with the agent that ended up submitting the offer. So I ended up making sure that I was still keeping and holding back a little bit of money in the profit that I had because again, I’m out there to make money in this because that’s what’s putting some food on our table in my household and making sure that we’re accomplishing one step at a time in our life and, and what we want in life with our big why. So at the end of the day, that’s, those are the things you should be thinking about. So what are some other ideas that you possibly could think of? A NASA action item that you have for this video is to write down some things that you could think of, you know,

What’s going on fellow real estate investors? This is John with REI Wealth Academy really excited about bringing this topic. We’re talking overall and sales but more specifically we’re going to be focusing on negotiation but before we even get to all that make sure you are following us on the blog or the Facebook page on the Twitter sphere that’s out there and also the podcast that we’re putting out as well like in your business you can only take one step at a time. We can only provide one piece of content at a time and we don’t certainly don’t want to overwhelm you. We want to make sure that we’re giving you content and just one thing at a time. One thing that you can implement today in your business. One piece of mindset, one piece of actionable topics that you can take home and implement right away. So with that we’re talking about negotiation and more specifically I want to talk about thinking about the end of it more specifically what I want to talk about as I want you to begin with the exits in mind. Notice I said exits not just the end not just one exit but multiple exits. We’re all about creativity here. And the thing is when you’re going in for a negotiation you obviously need to know your numbers your business model all that stuff should have been pre decided already. But when you’re going into the negotiation you want to make sure that you have all the exits covered for what you’re going to be going into. So all the creative stuff because when you’re actually selling just like you went ahead and bought you were trying to find out what the motivation was for the seller. Now that you’re the seller and you’re also now trying to find the motivation for the buyer to make sure that you’re coming on their side of the table meeting their need but also making sure that they’re meeting your need according to your business model. After all you’re in this to provide for your family to make money and to accomplish your Big Why and you shouldn’t have to negotiate away from your Big Why that’s why you run the business model that you have. So mindset wise when you’re thinking about going into a negotiation when someone finally submitting an offer to you make sure you’ve already thought about the exits and if you haven’t already and you have some time to respond back to their offer make sure that you’re now considering all the options that might be on the table. So with that this is John I’m going to sign off make sure you’re following us again at reiwealthacademy.com the blog Roanoke real estate education group and Andy and his team. Make sure you’re getting on there on the Facebook group and again follow us in the podcast on Twitter and on Facebook as well. Let us know how we’re doing. That’s one piece of actual content that you can take is following us on one of those platforms and you can also go ahead and write down just brainstorm, What are some of the exits you could find what are as many creative ways that you could go about finding a way to produce value during a sale for someone as well. So with that this is John signing off, take it easy.  

All right, fellow real estate investors. Coming at you. I know you’ve seen this background a little bit. I’m doing all these videos in one shot overall. But we are coming to the end. This is the last secret that we’re doing. This is the last video of secret number 10. Again, I will implore you, I will encourage you, Keith Boley has put together some awesome, deeper level stuff for each secret that we’ve done. I’ve done some short clips, I’ve done some of my own tips, some of my own tricks, my thoughts to you guys. But honestly, one of the people that I learned from the most is Keith Boley and Roberta Eastman, inside REI Wealth Academy. These guys have so much knowledge that they’re kicking out there. They have so much experience. They’re in the trenches, doing the work, learning on the fly as they go. They’re getting involved in new stuff to bring more value to REI Wealth Academy, plus they have locked down certain strategies of what they’re doing as well, so I encourage you to get involved in what we’re doing. Which gets me to the next bit about continued education in the last secret. And honestly, this is a big, big, deal for this topic in this video. And it’s kind of split into two things, but be a good student. And what does that mean exactly? Do the work. If somebody has a done-for-you system already, then do it for yourself, too. If somebody has already learned the pain of failure, and got back up and done it again, failed again, got back up, tried again, failed, got back up, tried it again, learned 10 lessons to make sure they find that one success that’s taken them to a whole another level, why in the world would you repeat their same mistakes when they already have the solution there for you? So do the work that they’ve suggested for you. There’s a ton of great information that we have inside each of our groups, each of our pieces of education that we have. We’re going to be bringing more to you. But these are all things that are again, from the trenches. And we’ll update them as things change, because things always do, but some things stay the same. There’s some stuff, I mean, if you look back for lease options, there’s stuff from the 1940s, ’50s. If you were to look back at old-school newspapers, magazines before the mortgage was a mortgage. I mean, a lot of people don’t even know the history of that stuff. So, again, be a good student by doing the work. How can you evaluate something? And again, I’ll go back to the analysis that I kind of made of the person that’s paying, whether that’s a monthly fee, whether it’s a gigantic $15, $20, $30,000 fee, for a big mastermind … and you have two different people that you’re going to each different pay levels there. And one person takes that value and runs with it and just infinite return of value from what they put in. Versus the other person that put the same amount in, and they lost that money, lost that time because they never did anything with it. And the thing is, is it comes down in a lot of cases, that people doing the work and trusting the system. And you know what? If they find out that it still doesn’t work, they still actually have been putting in the work, they’re still not getting the results, maybe there’s something else that’s going on. And then again, you know what? Even after you investigated that, maybe that’s the time to pull the plug. Again, you don’t want to get into the sunk cost bias to say, “You know what? I’ve already put in all this money into this and still not working for me.” If you’re honest with yourself and you have done the work, because that’s the type of person you are, and that I know everybody can be, if you’ve done it and you’re still not getting the result that you...

What’s going on? This is John, coming at you, second video. Number Two of Secret Number 10. We talked a little bit about moving forward and moving backwards. There’s no such thing as stagnation. So the next step that I want to talk about in this process of continued education is finding the right education. Finding the value in the right education that you have. Now, some of the questions you might want to ask about it is, number one, what is the cost? For you, I would also suggest that you think about what is the investment I need to make? Make that mental trigger, but that also doesn’t necessarily mean that you have to pay, just because you say, hey, I’m going to put money in this so therefore I’m going to think of it as investment. No. Think of your money as an investment in the first place and then you go out to the marketplace and say, what return am I going to get from an education with this investment that I’m going to put into it? So don’t let the opportunity come necessarily first with the money you got and ask for the money. Go ahead and set what you’re comfortable with aside, whether that’s a big huge chunk of change, whether that’s per month, whatever that is for you. Whatever you think your budget can handle, your spending plan, your windfall. Whatever it is that you really want to progress at. I can tell you, there are things I’m working on right now that I don’t feel comfortable setting money aside to go to a $10,000, $15,000 Mastermind, but it’s actually one of the things that’s on my wall, on my goal list, to make sure that I’m getting into. That I earn the right to get there. In my budget, I’m cool with doing some of the stuff that’s month to month and I spend a certain dollar amount every single month to do stuff even in here in REI Wealth Academy, the Wholesale Club, the Lease Option Group and various other things that help my mind, help my mentality, help my brain, help my brand, all that stuff. I definitely have that set up but I definitely have a goal later on but I certainly don’t feel comfortable just dropping it on a credit card and I certainly wouldn’t suggest that you do that, either. But I’ve also gone through to evaluate the program that I’m going into. What’s been the success of the people? Is it referred by other people? I mean, how many people really suggested it? I even go into the Better Business Bureau to see what the claims might be for certain people and going onto their free groups that are on Facebook, become a part of it and rubbing shoulders a little bit virtually with some of those people just to see what some of the people are asking. Are they just pitching stuff all the time or are they actually providing value for people even at that free level? You want to be able to actually investigate each one of those companies before you go invest in it. Again, you’re looking for return on your investment. It’s your time, it’s your money. It’s your investment that you’re making and you want the biggest return. If you’re going to be an A player like we’ve talked about already, you want to make sure that you’re getting the biggest bang for your buck when you go. So make sure you’re asking the right questions about what type of continued education that you’re going to get. You want results but again, you also want to fall in love with the process. You want to make sure that the people are looking out for you, they they’re resolving any issues you have. I mean, it really has to bring value to you and it really has to be worth it. Again, we absolutely 100% believe that we’re providing awesome value in our REI Wealth Academy and all of our other groups that we have. Make sure you’re getting connected. At the end of the day,

What’s going on real estate investors? This is John. I’m coming at you for the last secret we got. Honestly, this is one of my favorite ones. It’s been a lifelong journey for me, after all, getting involved in continuing education. That’s really what it’s about, is the continued education for secret number 10. Might sound a little bit of self-serving, because we have awesome products here overall for real estate investing, getting into certain niches. Whether that means that you have a breadth of knowledge that you wanted to get started with just in reiwealthacademy.com. Whether you just want to go to the real estate meetings themselves here on the West Coast, on the central coast of California, here in Santa Maria, or whether you’re doing that in the Roanoke Valley currently or wherever else we might be doing deals, wherever else we might be doing groups. The thing is, is that I want to submit to you is that you’re either moving forward or moving backward. There’s no such thing as stagnation. And to kind of prove my point … and granted, you don’t need an economics degree to understand this … but you probably hear a term called inflation. Well, inflation goes up by 2.5 to 3% a year. Well, at the end of the day, what I want you to understand is at 3%. If the money supply grows at 3%, meaning that the cost of things goes up by 3% every single year, the thing is, is you have to make a return of 3% in order to keep up with everybody else. Meaning you have to move forward just to stay in the same relative place as everybody else that is also moving in that direction. If you stay still, if you decide not to do anything, say, you know what? I don’t care about 3%. I’m going to go for 0%. The thing is, is because everybody else is moving around you, you’re moving backward. There’s no such thing as stagnation. If you’re going to move, move forward in a direction that you want to move. Move forward in a direction that is improving you. Improving your mind, improving your skills, your abilities, moving you towards your goal, one step at a time. There’s nothing better than education. Now there’s all kinds of stuff that’s out there. There’s stuff that’s $20,000. You might be thinking, oh, my gosh. I’m not even close to paying 20. Honestly even 50 to 60 to $70 a month is even much for me. And at the end of the day, I’m going to encourage you, if you feel like you’re in that tight of a spot, you need to make sure that you’re doing things, disciplined enough to make sure you’re taking control of your life and actually taking some of that money and changing your mindset around and saying, you know what? That’s a great investment. And maybe instead you want to earn the right to be able to pay $20,000 for a mastermind at some point in time. Because what I will say is there are people that go in there, into any mastermind, and that could be at any dollar point. That could be at a monthly fee. That could be a one time fee of 200 bucks, a monthly fee of $20, $50, $100 a month, or that could be a $20,000 check per year for a big mastermind group that people have that are out there that are promoting it. And honestly, in each of those scenarios, you might have a number of people that are going in there and paying that amount of money. And you take two different people at each different one of those price point, and one person is going to take off and run with it. And even if it’s just a $20 payment or even if it’s a $20,000, that makes so much return for them because they decided to do the action on it. And on the other side, the person might have dropped the $20, the $50 a month, or the $20,000, and totally wasted their time doing it. Not because the value wasn’t there, but because they didn’t do anything about it.