Fri, 28 June 2019
I Feel Down In The Dumps But That's Ok Yes, hello good morning everybody. Good morning, you sexy individuals everywhere. How are you? Are you feeling good? Are you feeling all energised? Are you feeling like you can take on the world, like you could wrestle Beyonce to the ground, and the rest of Destiny's Child and get back up and still be able to move on with your day. Hopefully you feel like that, because that is the way that life should be you should be firing on all cylinders, and then loving life. But, this is going to be a very conversational, and confidential podcast, because over the last few weeks on Join Up Dots. I love doing it. I love doing it. I like making love to the microphone. And every time I turn it on, I feel inspired and I feel infused. But away from that sometimes I can feel a bit down. And over the last few weeks, I really have felt down in the dumps. And I'm gonna, I'm going to tell you a little story that I did. Because I think so many of you out there, look at the guys moving and shaking around the world doing things that you want to do. And you think they've got it all nailed and it's all perfect. And everything always goes right and everything's going amazingly well. But there's, there's times when I suppose it's the seasons of the body, the seasons of your life, whatever, where things can be a little bit off off kilter, and you can be a little bit down. Well over the last few weeks, I have been I've been depressed. And it's one of those depressions that there's no reason for it. You know, I can't pinpoint what it is at all. But I felt really, really down in the dumps. And even though I'm doing the show, and everything's going great, I just felt really sort of flat and lethargic. The Idea To Share My Feelings And so what I did, I was sitting watching YouTube, and this guy did a really good video talking about anxiety. And he was saying, you know how it's alright being a YouTube star. But you've got to think "I need to do new content. And I need to do this. And I need to do that." And sometimes your life goes in a different direction where you've got to do other stuff. And then what about the stuff you've got to do? So he shared this video on anxiety, and I was watching it and I was thinking, I know exactly what you mean mate because every week, I've got to produce three podcast episodes, I've got to find guests, I've got to, you know, create this and create that and put it out down into the world. And it can feel a bit like a sort of a hamster on the wheel, just doing that running, running running thing. So after I watched this video, what I thought I'd do is send a post over to Facebook land. Now I don't go onto Facebook very often. But I posted this post and what I wanted it to be is really, really positive. Okay, so as you will hear because I'm going to read it verbatim. But there's a bit at the end. And, well, I'm gonna I'm going to read it. I'm going to read it first of all, and then I will expand more. Because Hey, I've got a podcast episode to fill. Although I looked at this guy that I used to know who runs a podcast, a minute podcast, every day, 58 seconds a minute. Really, really? What is the point? But yeah, he does a minute podcast. The Facebook Post Anyway, this is the post that I put on. And it says in capitals, I feel down in the dumps. Now, this isn't one of those posts when the person is deliberately cryptic to get loads of "Why, why why is it?" comments from people everywhere? I just feel compelled to say but over the last couple of weeks, I've had a huge cloud over me now, there isn't any reason for it. I have a lovely life, a wonderful family, a great business and friends across the world. However, there is definitely something not quite right with me. My work isn't fulfilling me. I don't want to see anyone and my attention span is non existent. I just feel lost. However, really, when I think about this, there isn't anything wrong at all. I just feel down in the dumps. You can't bounce along like an overactive Tigger all the time, can you? You can't have the rainbows without the rain, better light without the dark. And I hear so many people moaning about how they are feeling like it's their right to feel differently. But I don't think it should. Because we arent robots, we're humans. And these emotions are what makes us who we are. So at the moment, I'm just getting through the days until I can go to bed and hopefully feel better again, and those clouds disappear. And I know that when I do, I should savour the happiness even more and make the most of feeling great. The happiness will be even sweeter. So thanks to the dark clouds, I'm actually looking forward more than ever. And that is a real gift to have when it comes. So I posted back about how I was feeling. And I thought it was quite motivational and really shared that yeah, I feel down in the dumps. But it's not a problem. And it's only a problem if you make it a problem. Otherwise, it's just the thing that you're going through. And I had loads of posts coming back. And most of them were sort of saying "Hang in there", you know, oh, you know, just just just work it through." Happiness Everyday Isn't Possible And that's not what I was saying. What I was saying was, it's okay to feel shitty, it's okay to feel happy. If you're happy all the time, then that just becomes normal. And actually, you're not happy. You, you work through things. And you get to a point where you go, this is brilliant. This is fantastic. It's like you could go to Disney World. And you go I remember the very first time I went to Disney World and all my life I wanted to go. And I was 20 the first time I went. And for all of you who've been to Disney World, you know what I'm saying. And for the ones of you that don't. You can either go on a boat across, and then the Magic Castle kind of gets bigger in front of you. Or you can go on like a monorail all the way around this big lake. And yeah, we went on the boat. And we're going across. And when I got off the other end, there was Chip And Dale, or Goofy or someone like that. And I felt so happy. And I thought, This is my whole life, I've led up to this point. And it was it was magical. For me. It was like confirmation of all my childhood dreams, because I used to love Mickey Mouse and Donald Duck, and all the cartoons and stuff. And now I was in the spiritual home of it. Now, if I went there every single day, I couldn't possibly feel that happiness, I would actually feel flat. And in your life, if you create something that is brilliant and fulfilling. There comes a time when it's not. And through Join Up Dots, I realised that actually that feeling of feeling flat and depressed, wasn't my body saying you're flat and depressed. what it was, is my body saying, There's time for a change. You've got to think through you've got to find something to inspire you and motivate you, which is why the support groups, but I've started creating across the globe is the next part. And I know it feels right. And I know it feels an amazing thing to do by helping you guys to actually connect with people in your area that can help you move through. And so we've got 15 groups now through the world, some of them are starting to move. And we've got guys in Missouri, we got Becky Taylor, we've got Chris Forsyth, we got Jason Sumner in Missouri, we've got a group in Memphis, we've got one in Auckland, New Zealand, we've got one in Tasmania, one in Perth, Australia, we've got them scattered through the United Kingdom. The Gratitude Support Groups Some of them haven't got anyone in, I've been asked to create them, but the people actually aren't doing anything at all. And others are starting to feel that motivation. Now that motivation that they're feeling is coming back to me. And every day, we go into the group, and we support each other, and we say what we're grateful for. And it's the little things that can really change your mindset. So you're not thinking like I was "Oh i feel rubbish". I'm actually going, "Yeah, okay, I'm grateful for feeling rubbish", because it's going to point me in a new direction. And I've had so many posts from people where they say, you know, I'm grateful for electricity, because Chris had to get up and he had no power and it was dark. So we had to have a candle light, like the Amish walking around with a candle. And he said, "You know, this is this is, you know, all right. But every morning, I just switch a switch on, I've got power, I've got electricity, what an amazing way to operate". And as people have been saying to me, I'm savouring the sunrise, now there's going to be people out there going. Yeah, that's a bit rubbish. That's because your mindset isn't ready for the next growth. Okay? Because you win your inner game. And your outer game takes care of itself. And that's an absolute given. So if you're sitting listening to me going, "Yeah, oh, okay. Somebody likes the sunrise." You aren't ready for that next stage. Because, as I say, you get yourself feeling good. You get your self feeling energised, you getting yourself feeling positive, and you start taking opportunities, you start having more energy, you start smiling at people and making connections and it just takes care of itself. And if you go across the world and look at all the movers and shakers that come on to Join Up Dots, yeah, there's going to be times when they do feel flat, there's going to be times when they feel a bit depressed because they're moving into bigger areas into bolder areas into sexier areas where their energies can make more of a difference to other people and obviously make a difference back to themselves. Okay, so yeah, I've been depressed. But it's not a problem. It's not a problem. It's just a signpost to actually starting to do other things and change that routine that I've got onto every Thursday record podcast, Monday, Wednesday, Frida, release them to the world, do the coaching on the Friday, it became a kind of routine, which I've got to break and find other ways to stimulate myself. And so if you're out there, and you're listening to this podcast, and you think, "Yeah, I feel a bit. Like, I'm just going around in circles", then you need something to help spark that into life. And I was talking to a guy that I coach, and I won't say his name, because he will know who he is. But he's so secret about everything its untrue. And we were we connected on the zoom at seven o'clock in the morning, and he was sitting in his car. And he was somebody that I've coached back in February, to create an online business. And he was saying, "You know, through the process of going through my coaching, he's actually developed and an urgency to self develop. And he wants to learn every day. And he feels like he's got more energy, and now he's going back to the gym, to actually get himself feeling even better. Because he's got that ball rolling, he's starting to pulling himself out of that mud." Pulling Yourself From The Mud And once you pull yourself out of that mud, you can, you can start running, and you can make love and you can just do amazing things. But you've got to start getting that inner game going. Okay, so yeah, I feel down in the dumps. And I still do, I still do. But that's alright because I'm going to move through there. And we're going to find the new area of Join Up Dots. And for everybody out there who listens to the show, then, you know, let me know, drop us a line, we will create a group and I come into it on Facebook Live, we're doing a kind of Join Up Dots TV show where we come in, and we start sharing the positivity around the world. And I will be telling you what's happening in Auckland, and what's happening in Australia and what's happening. And you can feel connected to a worldwide movement of motivation. And once you start getting that you can feel a change in yourself, okay, and it's about you putting it out into the world, and then gaining the energy back and you will feel great, you will feel amazing, you will feel like you can't do anything wrong, because you're gonna feel supported. So thank you, as always for listening to this episode of Join Up Dots. Thank you for everybody that's dropping us lines. And thank you, thank you, thank you. I'm so grateful for the people that are actually helping me get this movement going. So you know who you are out there. We've got Martin, we've got Francis, we've got Chris, Becky, we've got Sandy, we've got Rochelle, we've got loads of people, I'm trying to think of them off the top of my head, who are every day waking up and putting positivity into these groups to inspire others. And of course we will make sure that we can all meet up live so that we can really say thank you and and make a difference in people's lives. And once you get out of that mud. As I say it is sexy times every day. Promise you. Until next time, thank you so much for listening to this episode of Join Up Dots. My name is David Ralph that is Join Up Dots. And very soon you'll be seeing Join Up Dots live. Yes, coming across Facebook, across the world growing the show growing the profile of everything and inspiring it Here we go. I haven't told anybody this, but inspiring 10 million people across the world to have a happy and inspired life. Yes. It's not all about creating huge amounts of money, but it is about building happiness and inspiration coming through you. And if you get that, the other thing just takes care of itself. Anyway, so 10 million people I'm aiming for. And it all starts with you. You help me and I will help you. Until next time. Thank you so much for being here. That was David Ralph, as I say, and that was Join Up Dots. See ya. Bye bye. David doesn't want you to become a faded version of the brilliant self you are wants to become so he's put together an amazing guide for you called the eight pieces of advice that every successful entrepreneur practices, including the two that changed his life. Head over to Join Up Dots.com to download this amazing guide for free and we'll see you tomorrow on Join Up Dots.
Wed, 26 June 2019
Introducing Lendio Founder Brock Blake Today's guest joining us on the show, believes so deeply in the American Dream that he made it his life’s mission to help small businesses across the country fuel their own aspirations. As Founder and CEO of Lendio, the largest online marketplace of small business loans in America, he has helped thousands of business owners access more than $1 billion in funding. Shortly after graduating from Brigham Young University, he won $50,000 to start a business through an entrepreneurship competition. He turned that money into FundingUniverse, a company that connected entrepreneurs with angel investors and VCs. But the company hit a wall when he realized that nearly 99 percent of businesses in the U.S. belong to Main Street rather than Wall Street. So he hit the reset button and shut down FundingUniverse and launched Lendio, a decision he calls painful but necessary, as practically overnight his monthly revenue went from nearly $1 million to $0. How The Dots Joined Up For Lendio Since then, Lendio’s free-to-use marketplace has become a hub of small business lending, with a network of over 75 lenders offering a variety of loan products to thousands of American entrepreneurs. Brock has likewise seen his star rise. He has been named an Inc. 500 CEO, Utah’s Emerging Executive of the Year, and one of Utah’s top entrepreneurs. But he is most proud of his less public accomplishments, like building a fun-loving, results-hungry company culture while successfully juggling his roles as full-time CEO and full-time father. So has it been worth all the hassle? Has he now got to a place where he thinks "OK, easy street for me" or just another day of building his empire? Well lets find out as we bring onto the show to start joining up more dots, with the one and only Brock Blake Show Highlights During the show we talked about such weighty subjects with the Lendio founder Brock Blake such as: Why it is so important to savour high five moments in your business whenever it happens. This are the gold you have been working towards. Brock shares how he has so many business ideas come to him that he would love to mentor people to get them off the ground. Why it is so important to have market fit and focus as much as you can on the bottom line. and lastly............... Brock remembers how he hit at least eight "death" moments of his business and how he managed to get past them all.
Mon, 24 June 2019
Introducing Mark Mascia Today’s guest joining us on the Join Up Dots podcast interview has over 17 years of real estate investment experience and a career portfolio valued at over $1.5 billion. He founded Mascia Development LLC in 2006 and is now the Chief Executive Officer and Chairman. Prior to becoming a successful entrepreneur for the past 12 years, Mark oversaw a $500,000,000, 26-story development in Manhattan while he worked for Archstone, a former Fortune 500, publicly traded real estate company. From early on, Mark has been working closely with some of the country’s wealthiest families and continues to do so today with his own company. How The Dots Joined Up For Mark Mascia Having two Masters degrees from New York University and George Washington University, Mark is an adjunct professor at NYU’s Institute of Real Estate He has also started his own charity, Invenium Inc., that works tirelessly to provide educational pathways and medical support all over the world. Mark has exceptional talent at conveying concise and meaningful messages to any audience, a skill he partly contributes to learning from his hero, Warren Buffett. He has been studying Warren for most of his life and truly believes in being transparent, honest, and ethical in order to bring his investors the best results. Alongside his ever-growing success in both real estate investing and education, Mark has been featured in many prominent industry publications and has been a guest on several panels and podcasts. So is his success built around knowing the subject better than most, or being in a market which is needed more than most? And how do you tackle so many things without leaving yourself burnout and exhausted by the effort? Well lets find out as we bring onto the show to start joining up dots with the one and only Mr Mark Mascia.
Fri, 21 June 2019
Introducing Marcus Taylor
Marcus Taylor is today’s guest, joining us on the Join Up Dots business coaching podcast interview.
His entrepreneurial journey has led him through many different dots, and its the joining of his dots that are so remarkable.
He is the Founder & CEO of Venture Harbour, a digital innovation studio in Oxfordshire that has built a multi-million dollar portfolio of highly-automated online businesses with zero
Marcus also developed the World's first scientifically-valid method of measuring human comfort zones and has been featured in the Forbes 30 Under 30.
But his dots to success started at a very early age indeed.
How The Dots Joined For Marcus
Marcus started building websites at age 10 and, by age 25, had bootstrapped a multi-million-pound portfolio of online businesses with zero funding.
Like most teenagers, Marcus didn’t know what he wanted to be when he grew up.
He did know he loved music, so he DJ’d on weekends, converted his mum’s care-home into a recording studio when it was empty, and taught himself to code websites for bands.
Unknown to him at the time, these side-hustles gave Marcus a taste of entrepreneurship that would turn out to be invaluable.
Instead of going to university, Marcus spent his late teenage years working at an Oxford-based digital marketing agency where he shadowed and was mentored by one of the UK’s most respected search marketers, Kevin Gibbons.
And that is the perfect place to start todays show.
So does he feel that most people have to go through that stage of "I don't know what I want to do in life" to find the real path waiting for them?
And why does he feel that most people out there are frozen in the "creating my own income is such an amazingly risky thing to do"?
Well lets find out as we bring onto the show to start joining up dots with the one and only Mr. Marcus Taylor.
During the show we discussed with Marcus Taylor such weighty topics such as:
How we can easily find ourselves in a position where we feel isolated and disconnected from our peer group. This is simply showing personal growth.
Why its so important to just try stuff at the beginning to find out what sticks. Don't make it perfect as it never will be.
Marcus talks about the times where he thinks that business growth occurs more rapidly by actually slowing down.
BIG NEWS: You will hear the birth of a brand new business which could take the swine industry across the world by storm....this is massive.
How To Connect With Marcus Taylor
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Audio Transcription Of Marcus Taylor Interview
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sort of the book that really unlocked this, for me was emotional intelligence, which made me kind of realize like my, you know, where I have intelligence is not in the sort of the typical academic sense. But I had a lot of kind of intelligence in the in the creative areas. So I loved music, I loved creating music I loved, you know, the entrepreneurship side, like I just love creating things, and fusing creativity with technical problem solving. But that's not something that you get good grades for in school necessarily. And so, you know, it didn't in hindsight, it's unsurprising that at school, I felt very much like, you know, this is boring, this is not really a good representation of, you know, challenges in the real world. And so I wanted to just, you know, spend my time focusing on what I felt were more interesting challenges, which were, you know, I, I wrote a book when I was 16, a record label, I ran events around Oxfordshire, at least this felt to me more like kind of interesting problems and interesting challenges that I was learning a lot from.
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on an entrepreneurship podcast, I'll have a crack at it. And in very market style of fashion, I'm going to go for a overly logical and very kind of technical response to this. I think it's from, from my understanding, I think it's something to do with the fact that I think humans are the only it's something you like the prefrontal cortex, like, We're one of the only species that can basically think about the future, if you take like a cat or a pig, they, they, they only, they can only really focus on the present moment, they don't have. Yeah, they can't think about what they want that they like to be like in 510 years. And that's an amazing gift. It's what enables entrepreneurship, it's what enables, you know, aspiration, all these things that that make humans such a relatively superior species compared to too many animals. And so I think it is this is because we can think about what we want to be like, in five years time, 10 years time, there's kind of this ability to then plan and put together a, like motivate ourselves to go to the gym or to to stick to a diet or to hustle on a project. Because we can see the possible outcome, which I think a pig would not be able to process that.
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Yeah, it's you know, each each to their own Really?
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definitely early on I you know, I was I was sort of the sort of perspective that you know, everyone should be an entrepreneur, this is gray. And, you know, this is the sort of the right way of doing it. But then I kind of, I think a sought after meeting a few people who are, you know, the very, very successful, but in different ways, like I think different people, you know, have different priorities. And, and entrepreneurship is just an option. Like, it's not, it's not the sort of, at least in my view, it's not the kind of the ultimate thing to aim for. It's just, you know, for someone who likes to create things, and, you know, build things in exchange for creating revenue streams, that's brilliant, but if he, you know, if I'm thinking about, you know, my own family and my own circle of friends, I you know, if you, if you are someone who just loves caring for people, and, you know, whatever it might be, then maybe being a Carrey is like the ultimate version of success for you. And building software product products is going to be really unfulfilling. So you know, it's, I think I've just sort of come to the realization that is, is entrepreneurship is brilliant. And it's, I think, generally, it's a healthy thing for most people to at least try. Because there's just so many lessons packed into it. And in a way, it's kind of like going back in time, because if we, if we go back, you know, thousands 10s of thousands of years, effectively, everyone had to be on entrepreneur, in order to survive. That was that was sort of, yeah, you know, effectively where we all come from. But today, there's, you know, there's, there's a lot more options, how you express yourself and what you do to feel fulfilled. I agree
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kind of accelerate the process. So like, for example, we we pinched from Google, this, this like ratio of like 70% of our time and budget is spent on growing our existing portfolio. 20% is on like our most recent ventures, and then we spend 10% of our time and budget on like just creating new prototypes. Also, we so we take the whole team away to like an Airbnb, somewhere twice a year for like four days. And the purpose of those trips is we have, we have like a little 24 hour hackathon, where we just build, build up ideas. But I would say it's got easier over time, because now now, we mostly just building things that we want for our own portfolio. So things that would help us grow our other 889 businesses that we have, yeah, and generally, if it's something that helps those businesses, then then we sort of put it out to the world and say, you know, something that other people want. But in the early days, that was obviously a little a little bit harder to do. And so early on, it was definitely a little bit more leaning on intuition. And, you know, just following there's, I mean, there's also a ton of great frameworks out there, like we, you know, we applied a lot of stuff for my Lean Startup scaling up, then ambitious stuff. And that was very, very helpful for making sure that, you know, the ideas that were coming up with are not just good ideas, but also good business ideas. Um, but but now it's a little bit different. Now, it's kind of a bit more of a structured approach to r&d.
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Wed, 19 June 2019
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David Ralph 0:42
Angela says I can only earn 20 grand per year working 36 hours a week. Do you honestly think that I could replace this income online? Yes, I do. I do. Totally. I know that I will still have to work as I would be amazed that I could just magically speak it out of the air whilst walking around in the London sunshine. Well, if you're looking outside my window at the moment is paying down with rain. It's June in June everywhere, isn't it? Where we don't just live on a different sort of time frame in the United Kingdom. So Germany is everywhere. But it's rubbish. It's absolutely rubbish. It's just rainy. We're even having the heating on, which is bizarre, but this time of year. Now, Angela? I would say yes, number one you can? Of course you can. And I would love the fact that you know, there's work to be done because I do think so many people had this disbelief, but they can just throw up a website, have a few links on there and make a lot of money. And most of the people want that. And I can understand that, because that's what I wanted at the beginning. And I've certainly created that because there's certain things that I don't have to do anything with a tool. And it does bring me incoming, which is lovely. But to be earned 20 grand, you know, which is replacing it all just that way. That's hard work. doable. It is it's doable, but it's hard work. So how can we do this? Because you obviously want to know, can you replace this and I'm going to get you all to get your calculators out. Okay. Now if you were me, I'd spend time writing boobs. What was that? Five double? Oh, eight, yeah, five, double eight and turning it upside down? Or boobies. You can go boobies as well. That's a good one. And there's some other sort of quite rude ones. But no, but I was always into boobs. And I haven't changed much. Really. I've got a preference. I have got a preference. Okay, so what I want you to do is get your calculator out and think to yourself, right? Okay. 20 grand, what do I need to do to replace that income? Now imagine that you've created a product for pound, okay? People come across your website, and they just buy something for a pound. Now, first of all, you would go well, that's easy, I can do that. Now, people don't actually buy stuff really cheap. They just think it's a ripoff somehow, and I do it myself I I was on a website the other day. And it was something like $36 it wasn't anything at all. And I thought to myself, sounds too good to be true what they were offering. Now it might have been amazing. I still looked at info now I'm gonna leave that. So if you were charging one pound, you would have to service 20,000 customers a year. Okay. So that's quite hard work. 20,000 customers, I don't know what that is per day. But that's a lot. Okay, so we're not going to do that, we're not going to do that, Angela. Now, if you went for two pounds, you've instantly half your work. And you're only having to service 10,000 people a day. Okay, still a lot of work. So we don't want to do that. So let's go to four pounds, okay, four pound service, it could be a PDF book, it could be some kind of training material, it could be that you actually provide a service yourself, there are a myriad of ways. Now for pound means of 5000, right? Okay, we can into a better figure, okay? But still, it's a lot of work. Now, bizarrely in the online world, the more you charge, the easier it is to sell, okay, because there's a value piece behind it that people actually buy into. And if you did a 200 pound service, you would only have to service 100 customers a month. Okay? Now 200 pound, that's not a lot, some something in your skill set, I don't know what you do. But somebody in your skill set can definitely be transferred into a service or a resource that you could charge 200 pounds for. Now, the brilliant thing about that is if you can do it, so that people just come along to your website and click on a link and they buy vaping, then that's great. But you can also put yourself into the product. And once you put yourself into the product, it becomes more valuable. One to one service is the premium. Okay, now, oh, my courses, if somebody wants me one to one with nobody else, just been gazing into my eyes, rubbing my thighs, now we do everything on Skype and stuff. So they can even if they want to,
then I charge premium for that because I can't scale it is every hour is totally for them. Okay? Now, for $200. You don't have to do 100 people, as I say, which equates to 8.33 people a month. It's not a lot 31 days, and you've only got to service eight people. Now you've got to do it constantly. So every every month, you got to do the same thing. And maybe you want to slow down on certain months, you might want to go on vacation or holiday. So you might want to play around with that. But that actually equates to naught point two, seven people a day. That's like a leg. Okay, you've only got to deal with a leg a day to be able to make that money. Now, we want to go better than that. Because we do of course we do. So let's do something for 500 quid, which is still not a lot of money. Now, there's going to be people out there listening to that going to 500 quid, that's a lot of money. But believe me, I speak to people now. But I bet there was a guy the other day, 100 grand a year, I know somebody not personally, who does 50 grand gesture, a telephone call for half hour, you know, there is money out there. And if you're thinking that's a lot of money, that is because you're in the back position, okay, you're in that position where it is a lot of money for you. But it doesn't mean it's a lot of money for other people, okay? And that's a mindset thing that you've got to cross where you've actually got to go is not what I value it as it's what other people will be willing to value it is, you know, if I, if I sold to Roman Abramovich, who owns Chelsea Football Club, that's, that's nothing, he spends millions, okay? And that's the kind of mindset, you've got to think, where do I find these customers that have got the big money, okay, so let's go one higher, we're going to have 500. Now, 500 is only 40 people a month, okay to get your 20 grand. And if we can go through 1000, that's 20. Now, once you get to 1000, you can easily do 40. And then you've doubled your money on 40 grand a year, okay. And so it really is doable. If you know what you can provide, you know where your customers are, and you know the value that you want to deliver to them, and then work accordingly. So I always call it my keep the lights on bigger. So if 20 grand is your salary per year, I bet that isn't what you actually need to live. First of all, that's going to be luxuries, that's gonna be Netflix, that's going to be a load of different things. But if you stripped it right down to go, Okay, I know it's going to be rubbish, it's going to be bare minimum, it's just gonna be, but I can pay my bills, I have food, and I don't have a social life, I don't have anything, you probably could go down enough eight grand and go over, all I need to do to replace the income is 12,000. Once again, get onto your computer, stop thinking about boobs and boobies. And then start putting your fingers in and seeing what comes out. I do that a lot. I love a spreadsheet. Well, I can put 4.5% and 5.6 and, and drag it down, you know, on Excel spreadsheets, you drag it down and all the formulas go all the way down it. That's what I love doing so that I can see what I've actually got to aim for and what work I have to do. Okay, so that's something that I always do play around with your fingers and see where you need to go. Because believe me, no matter what you want to do, you will look at it and think, okay, that's not as bad as I thought. hundred people, 8.33 people a month, I could do that. And that gives me breathing space to actually create more value into my life. That's the way I want to do it. So she says following on. She's still walking around in the London side shine. I don't know where you're getting that London, the sunshine from? Because it's not over my head at the moment. I guess you would say of course it is. Yes. You say Angela? Yes. I preempted you. And I have said it is possible. And it's just me being a scaredy pants chicken. Yes, you are. You are a scaredy pants chicken. She follows it up. Now she's moved through this. And this is interesting with this email, she starts off kind of really wanting to do it and punching people in the face that that's just violent, Angela, we don't want that. And then she's saying, I don't kind of believe it's true. But now now she's in the positive. She's in the practical. And she says, ooh, it's so exciting to think I'm going to do it in her voice. I don't know if this is how she talks. And this is probably deeply offensive, but I'm going to do it. Oh, it's so exciting to think that I could take control of my life like you have done. But I'm a very pragmatic and practical and I need a concrete plan. Now,
I think that is a brilliant Northern accent. I think that is spot on. And I could walk around the streets of combination street, and I could just be a native, I would disappear. Nobody would know that I am the sexy podcaster. But you all talk about not one person out there. Okay. Thank you so much. If you manage to find the time to answer this question kind regards you sexy man, Angela barrows. Whoa, Ingrid. So that's something that I think he's gonna be useful for you. Okay, look at what you need to earn. Repeat back and think now what do I really need? You know, what do I really need to earn to just be out to pay my mortgage, pay my bills and stuff. And we're cutting back all the luxuries, which is, is your transition? Because the real important part is getting the free time. You know, I talked to a guy called Neil Hughes. And he's a tech writing blog posts in podcast person. He's, he's the tech writer I can never remember he shows about. And I remember him sort of connecting with me before he started becoming a global success. And we chat quite often. And one of the things that we both agree, time, time is your value point. But you cannot lose those track of the value. It gives you. The fact that on Wednesday afternoon, yesterday was Monday was actually a lovely day. And so me and my wife walked through the Country Park near us. And we sat on this bench, and we looked over the River Thames. And it was just glorious. And as we were sitting there, funnily enough, a guy but we used to work with up in London many years ago, walked past and he said, Oh, hello, you too. And he said, Hello, you see, we're polite. And he sat down by the side of us. And we also had an amazing we used to be in London on this day, on a Monday, working in our suits being stressed. And here we are sitting in the sunshine on a bench looking over the sea. And you know you want for that. But it gives you the breathing space as well to be out to put time in, it's quite difficult to build a business when you're squeezing around the evenings and kids on stuff. But if you can start earning some income, to give yourself a bit breathing space, maybe one day a week that you can be lock yourself away and start working on creating that value point for your customers, then things are doable, and new shoes, wherever you are walking your dog, aren't we right? Aren't we right? Isn't it about the time that you get, which is the big positive because when you can carry on building your business and scaling up, and then making it more what you want it to be the beginning bit is just a starting point. Well, thank you so much to Angela barrows for dropping us an email, thank you so much to there was a guy we're just going to be opening it is Lucas, Lucas Gordon has dropped us a line and he's interested in opening a group of join up dots in Denver, Colorado. So we're going to be arranging back and we will create the group and we'll start getting people in, we're here to support you guys locally, we've now got another one being built. I can't be where that is. Now it's going out my head. But we've got that six or seven at the moment, very small at the moment, a few people in them, but they're already making inroads into their their positivity and growing their future. So if you are interested in creating a group and helping us grow it and become the leader, and not a follower, making things happen in your life, but drop us a line and we will get one created. And we will work with you accordingly. So Lucas golden, thank you so much for that. Anybody else drop us a line and just say you'd like to start a group in whatever place you are, we're a range where and then we will start broadcasting into it and linking all the groups across the world so that you've got a support network everywhere, sharing good ideas and practices and success and failures. And of course, gratitude. Thank you so much as I say for listening. Thank you so much for everyone who's dropping us a line. And until now next time, I'll be waiting for you. Yes, I will be waiting for you. With me calculator, trying to work out some rude words. I didn't know when I was a kid. Until next time, see you later.
Unknown Speaker 19:10
Mon, 17 June 2019
When we're young, we have an amazing positive outlook about how great life is going to be. But somewhere along the line we forget to dream and end up settling. join up dots features amazing people who refuse to give up and chose to go after their dreams. This is your blueprint for greatness. So here's your host live from the back of his garden in the UK, David Ralph. David Ralph 0:26 Yes, hello there. Good morning. Good morning to you across the world. Thank you so much for being here. And I really do mean it because I know that there's so many different podcasts out there. And there's different YouTube channels and your time is being taken up by by tweets and posts and sliding apps and sliding down to the sliding sideways and sliding. You know, when I was young, there was only one bit of sliding that I like to do. And that's when snow hit. But now you slide all the time wherever you go, yes, sliding. I've actually been given these sliders. I don't know if they're called sliders across the world. But they're like kind of sandals that you just kind of slide your feet in. And apparently, apparently, you're not supposed to wear socks with them. Now I am coming up 50. So I'm at the time of life. when I say to my family, nobody knows me. And I don't care. And my family say "But you can't go out like that Dad, you can't go out in your sliders." "Well, if you want a lift in my car, then you're gonna have to put up with it. Because I'm not going back in to put my shoes on." So there you go. There you go. I'm in control of my own life, my own destiny. So how are we doing out there? I hope you are all good and rocking and rolling. Because that's what this show is all about. And it really is. It's not just a show. Now, how can I express this more clearly? This isn't about a show, it's just not one way. It's not just me. And one of the findings of the show, I think so I think so many podcasts bear with this is it becomes a bit like a radio station where you just turn it on and you listen. But the most brilliant podcasts and the most engaged podcasts are the ones when you guys provide the content, you guys give us questions you give us inspiration and stimulation to provide the voice that we can sort of put back into the world. And that's what we're trying to do in join up dots. We we don't get a lot of questions, and then they come in a little Flurry. But we are, as we say, last week, we've launched the local community support groups that gratitude groups where we got them linked up through the world. And I Yes, me, actually me. Yes, yes, yes, I actually spend all day on Friday opening Facebook groups that I can then start connecting with and what I want to do, I want to not only connect with them, but I want to be a help to broadcast live from join up dots into some kind of video system. So it goes into all the groups. So not only do you get the voice not only do you get the voice, but you get the vision as well. Yes, you do. You get the vision of a 50 year old, haggard man coming into your life whenever he wants. And what I'm trying to do, I'm trying to connect all the motivation in the world and bring the real life stories so you become part of it. join up dots is circulating you. So we have got so far we've got Missouri, we've got Memphis, we've got Auckland, we've got Hobart just being built in Tasmania. We've got Yorkshire in England, back Cher bed for cheer, Suffolk f6. Kent, a little bit of warehouse, a few more can't be where they are now North Hampton sheer Yes, we've got North Hampton here as well, because there's a guy called Martin Gardner in there. And he's waiting, he's waiting for people to join him. And what we want to do is have you guys every day being able to reinvent your circle of influence. So so many of us get surrounded by these people that basically bring us down and they're not interested in changing their lives. They're not interested in building online income into their lives. And so you go out for a drink with them. And you mentioned things yet, and you're not going to do that. Yeah. What's the point in doing that? I've heard somebody else do that. It didn't work. And they fed all that kind of negativity stuff. And push that away and get surrounded by people that go, yeah, brilliant. That's a great idea. But how about this, have you thought about doing it this way, and not only in your local communities, so Yorkshire and let Aberdeen cheer there's a number one number, and Northern Ireland and wherever you are in the world. Not only that, but we can bring the best ideas from all the groups and just make an absolute swell. Now, all we've got to do is jump over to join up dots, look at the local support, whoops, and I ever click on the group, if it's already made. And if it's not made, tell us you want a group made, and Ben start inviting people in. Now what we always find in everything, it takes time to get going because so many people out there are followers, and they won't take that first action. They want to see what other people are doing before they jump in. And believe me, that's not what makes success. What makes success is you deciding to do something on your own back, well, not literally on your own back, because that that leads me into a conversation totally different. But to do it on your own terms, that's better. That's what I should have said, to do it on your own terms. And even if nobody else is doing it, to do it. Now I spend 95% of my time doing stuff, but I don't know if it's gonna work or not. But I still do it. And I would say 50% of the time it works 25% of the time, it really works and to 5% is now probably a bit different from that, I would say 50% of the time, it doesn't work 25% of the time it does work and 25%, it really works. So I spend literally all my time 50% of my day, by eating constantly. But I'm still willing to do that. So if you are wanting to connect with people, and actually make a difference in your life, get a circle of influence of people that are inspirational and motivational. And they're looking to change their lives, and most importantly, are in your area. So if you've been wanting to meet up and do some community group setups, then you can do and as I say come across to the local support group. Now that's on join up dots. Of course it is. Now one of the things that I'm big on in these groups is keeping your head in the game keeping gratitude front and center. And yesterday was Father's Day. Yes, it was, which is why this podcast is a little bit late. Normally I sort of bang one out on a on a Sunday. But the yesterday know you're not going to your office, it's Father's Day, I can do what I want. No you can't, you've got to come out for dinner with us. Yeah, but after that can I do know you've got to do this. But well, with bloody Father's Day, I should be able to do what I want. Anyhow, I wasn't allowed. So this podcast is a little bit late. But it's good. Because I was given a job. It's like a sort of big sweetie jar with one of those metal hinges that you clip and then you pull down really tight on the top. And so you can keep things all fresh in there. And I suppose you can put sweets in there or candy as a saying our brains across America and or dried fruit or whatever you want to put you can put in you can put cannabis you can put anything you want in it's a job. Now within this job, my daughter has put, she said that she wanted to do 365 but she ran out about 90. And every day I reach in and I pick out I have a phrase that might be sort of motivational and inspirational. Or it might be something but I say and yesterday's one was. Yeah, yesterday's one. Apparently I say I've had more hot dinners. And you've done that. Now. I don't think I do say that. But I might do it sounds like something Come on, say but today's one I've reached in and this is this is the point that the whole show, this is the point of it. Everything you imagine can be real. Now think about that. Everything you imagine can be real. Now, in the world of business in the world of online adventure and Daring Do. Basically they say you create it twice. The first thing is when you think about it in your head, anything is good. Yeah, I could do this. And then you create it again, in the real world. And certainly in join up dots. My first thought was, I would like to have a podcast. So I made that happen event, I thought I'd like to do some coaching my happen when I want to connect the world in the local support groups, which I really, really hope you guys can sort of jump in, and so that we can get it moving, because it does take a while but you know, help me out. Help me out guys, I'm doing it from this side. And if you can just click on and, you know, take part every day or whenever you want, it really will help me. So everything you imagine can be real. So whatever you're doing in your life at the moment, you made it happen, you might be going to a job where you saw have a job, you went for the interview, you got the job, you're now doing the job, you made that happen. Now, the problem with that is 90% of what you're making happen in that environment, you're giving away to somebody else, not only are you giving away the bulk of the profits, you know, nobody's going to take you on in a job and say, right, okay, we can pay you 30 grand a year. And that is everything that you're going to bring into the business that makes it we're just keep you that you're basically making 100 grand for that company, you're making 200 grand, and that company is taking those profits that you're allowing to build up and giving you a tiny, teeny, weeny share. Okay, which doesn't sound good to me, it really doesn't sound good. And yeah, I tell you, I read this the other day, they reckon within 10 years, 62% of the jobs in America will be at risk 62% whether it's automation, whether it's faster processes, whatever, 62%. So if you're sitting there now and you're thinking, Oh, I'm on, I'm in a job, but live within 10 years, you may not be you know, there's there's only going to be a small percentage of people that are now down. And so the entrepreneurial world is where its leading, okay. And that really ties into this, everything you imagine can be real, that was what I pulled out of my jar today. So what are you creating? Are you thinking about creating more and more income in your life? Which is brilliant? Are you thinking of creating more and more freedom in your life? Or are you thinking of creating more and more choice in your life, you know, through join up dots. It was horrendous. You know, I say that all the time. Because I really want you to realize, but everything I talked about is grounded in reality. I'm never going to be one of these people that go out. Yeah, you can just jump on. Spend some time with me. And within four weeks, you're going to make 100 million pounds. No, you know, I can spend time with you. And I can give you the clarity. And I can give you the understanding and the business structure, I can give you all that. But you've still got to build it, you've still got to go out there and actually do the work. And through join up dots. I realized the other day that I literally have the three elements, I have the money, but I have the time I want and I had the choice that I want. So that's kind of financially independent, location independent, and time independent. And I don't think you can do better than that. So I can literally say to anyone, yeah, I'll do that today. That's fine. Just move things around in my calendar sort things out. How many of you out there can say that? How many of you can say yeah, okay, this Thursday, I'll play go for this Wednesday, I can do that. I come back to you in an hour, shift things around, and we will be there. I think they are the three key pillars, time, location, and choice, and money. And if you get all of those, you really cooking on gas. And guess what people Guess what? Everything you imagine can be real. So you can do that, you can make that happen. And I really want to make it happen with you, I want to really push you through to where you want to be. And one of the key things is getting you surrounded by people. So I'm gonna, I'm gonna keep on banging on about this, and you will get fed up with it. Because I'm not promoting it to make money, this, this isn't something that I'm doing to make money. So this is a passion project, because I know it's right. And I know it will make a difference. And so all my effort at the moment is going into getting you guys to start connecting with each other in the local support groups to get you away from the negativity and the Twitter and the Facebook, where it's just people going out for dinner and all that kind of stuff. And just have you surrounded so that imagination can start occurring. And you can see people in your vicinity, but doing something, you know, I coached quite a few people in Essex. And more often than not, they say one of the things that made them decide to join me my coaching platform was that I was local to them. And so it seemed more believable. Somehow it's a more believable that somebody just around the corner, talk to them has actually done the thing that I want to do or whatever, more events, somebody in Ontario, or somewhere in Africa, or whatever, but you can connect on Skype and zoom and whatever. So imagine, imagine, imagine, everything you imagine can be real, start imagining, get out there and start thinking about things and start looking around at things and start thinking to yourself, I quite fancy doing that, I'd really do. But I don't know how to do it, when I'm people that are already doing it and start picking their brains and start getting that vibration, that gratitude vibration going through you. Because if you can do that, then you are more than 50% better, I would say you're 70% better. And then the 30 it's just persistence, clarity, and knowledge of your subject. Not too hard. It really isn't. Until next time, my young patterns, thank you so much for being here. I think on Wednesday is going to be another solo show. Again, because I've got a lot of things I want to talk to you and they don't fit into any interview format. But we've got quite a few interviews coming up as well. You're going to get what you want, you're gonna get what join up dots is all about. And hopefully I will start seeing some of you live in the group's local support groups, join up dots going click Find your group. And if you haven't got one, I will set one up for you. And then we can start connecting you with people. But more than that, please be here next time because I need you is I need you is I'm on a mission. This is a movement we're creating, and it is going to be life changing. I promise you, because I know it's going to happen. And if I know it's going to happen, I've gone past the imagination. And I'm already in the process of doing the work is going to happen. You can be part of it. Let's change lives together. Until next time, thank you so much for being here. Look after yourself, hug strangers smile, and just be grateful for what you've got because it's a good live. See you guys Cheers. Bye bye. Unknown Speaker 15:58 David doesn't want you to be become a faded version of the brilliant self you are wants to become so he's put together an amazing guide for you called the eight pieces of advice that every successful entrepreneur practices, including the two that changed his life. Head over to join up dots.com to download this amazing guide for free and we'll see you tomorrow on join up dots.
Fri, 14 June 2019
David Wood is today’s guest, joining us on the Join Up Dots business coaching podcast interview. His entrepreneurial journey has led him through many different dots, and its the joining of his dots that are so remarkable. As he says: “When you’re 10,000 feet ABOVE the Himalayas hanging from a piece of cloth, you see life differently”. He holds the viewpoint that life is the best game there is and asks: Are you playing for REAL? He coaches high performing entrepreneurs, executives, and leaders to play the best game they possibly can, deepening connection and living a regret-free life. How? By setting life-changing goals, laser-focused action, and increasing their levels of Truth, Daring, and Caring - in both life and work. How The Dots Joined Up For David He loves sharing his message of Playing for Real on live stages, podcast interviews, and radio shows, and has been best described as "playful and deep". A former Consulting Actuary to Fortune 100 companies - including Sony Music, Proctor & Gamble, and Exxon - David left his cushy Park Avenue job 20 years ago to explore both the outer world and his own inner world. Along the way, he's coached thousands of hours in a dozen countries around the globe and is the author of "Get Paid For Who You Are," with foreword by Jack Canfield. He is a member of the Transformational Leadership Council, alongside such thought leaders as Don Miguel Ruiz, John Gray, Marci Shimoff, and Vishen Lakhiani. So is it simple enough to say that the children of the world who spend their time playing actually are the keys to our adult life? And where do people get hung up most, on the doing or the wanting to do? Well lets find out as we bring onto the show to start joining up dots with the one and only Mr. David Wood. Show Highlights During the show we discussed with David Wood such weighty topics such as: We chatted about the amazing journey that David has been on to get to where he is today, back in the place he wanted to leave: Corporate land. How we all get lost in the identity management process that we show the world no matter how hard we try. Why David believes that everything in life can be cleaned up. We shouldn't have any regrets left on our last day on earth. And lastly…… David shares the process he took to leave his corporate job by becoming a musician, before heading towards high achieving clients.
Wed, 12 June 2019
In today's podcast episode we start what we hope will be a global movement that will change lives everywhere. You know how its so easy to look around and think that life is crappy, or we aren't doing as well as everybody else? I know that i certainly have struggled with this in the past. You see posts on Facebook, or tweets from friends and colleagues and it looks like their lives are amazing. It looks like they are doing so much better than we will every be able to do. So we beat ourselves up and start retreating into ourselves, wanting the world to go on without us. Well its just not true. In fact our lives are so amazing, and full of potential every single day, we just choose to ignore the gold. Well we want to change this and make a huge difference to everyone, by setting up Gratitude Support Group across the world. Hugely, positive and motivational and of course supportive groups of people to surround ourselves with. And we need you. We need you and your passion to change. We need you to tell your friends. We need you to make the biggest difference to people across the world that you will ever do. This is lifechanging stuff at its best, and it starts with a single decision to participate.
Mon, 10 June 2019
If you feel that you are going out of your mind, with spiralling debts, credit card interest and stress then this is the show for you. Today’s guest is Jonathan Mendonsa a man who reluctantly walked into the world of frugal living, but now will never I assume go back. Yes he was a spender, and i guess at his core is still someone that likes to splash out on the finer things in life. But he knew he had to change as at the age of 28 he graduated college as a pharmacist with $168,000 in student loans. Now 4 years later he has clawed his way out and is pursuing Financial Independence. As he says “I feel I am qualified to talk about the normal path because I have lived it for the last 30 years. My hobby and passion over the last 5 years has become learning new skills and looking for ways to develop passive income streams. I also love to talk about what I have learned. I ran out of people in my immediate social circle to share all this awesome information with so enter ChooseFI… He has developed passive income streams, based around community building, affiliate marketing, information analytics, videography, career hacking, tax planning and entrepreneurship that he can discuss and share with the ChooseFI community. The podcast he and his co-host Brad Barrett created to highlight the tactics and stories of people who have chosen this alternate path has become one of the fastest-growing podcasts online. With almost 1 million monthly downloads and a hyper-engaged community with over 200+ local ChooseFI chapters throughout the world and in the words of Jean Chatzky, The Today Show’s Financial Editor, “it (the FI movement) has grown to be a movement in large part because of a podcast called ChooseFI.” So with so many things on the go at once, does he want to run away to the nearest shopping mall for some major retail therapy? And how did he get the FI community up and running, and engaged? Well lets find out as we bring onto the show to start joining up dots with the one and only Jonathan Mendonsa. Show Highlights During the show we discussed such weighty subjects with Jonathan Mendonsa How Jonathan first went out and got the idea that being financial freedom was not just possible it was highly doable – so he did it. Why minimalism is a great starting point, but why not focus more for the value than going after the scarcity. Is failing a bad thing or should we simply look at failing forward as quickly as possible. And lastly………… Jonathan shares how his podcast has grown to massive proportions and the things he did to make it happen. How To Connect With The ChooseFI Team Website Facebook Linkedin Twitter Audio Transcription Of ChooseFI Founder Jonathan Mendonsa Intro [0:00] When we’re young, we have an amazing positive outlook about how great life is going to be. But somewhere along the line we forget to dream and end up settling join up dots features amazing people who refuse to give up and chose to go after their dreams. This is your blueprint for greatness. So here’s your host live from the back of his garden in the UK David Ralph David Ralph [0:21] Yes. Hello there. Well, good morning to welcome to another edition of the I like to say sexy podcast, which is a join up dots Yes. When two men get together, and we bring you also conversations, stimulating thoughts. And yeah, it’s a podcast episode. That’s what it’s about. We do it from this and you listen from there. Well, today is one of those shows that if you feel that you’re sort of going out of your mind we’ve spiralling debts credit card interest in stress by NBC to show for you because our guest is a man who reluctantly walked into the world of frugal living, but now will never I should go back. Yes, he was a spender. And I guess at his core, he is still someone that likes to splash out on the finer things in life. But he knew he had to change as at the age of 28. He graduated college as a pharmacist with listen to this 168,000 in student loans, how many meals at Hooters Can you have to wrap up? I don’t know. Now, four years later, he’s clawed his way out and he’s pursuing financial independence. As he says I thought I’m qualified to talk about the normal path because I believed it for the last 30 years. My hobby and passion over the last five years has become learning new skills and looking for ways to develop passive income streams. I also love to talk about what I’ve learned, I ran out of people in my immediate social circle to share all this awesome information with so enter choose f5. Now he’s developed passive income streams based around community building affiliate marketing information and analytics, video graphic video graphic. I should have saved videography, career hacking, tax planning and entrepreneurship, but he can discuss and share with his choose FBI community and the podcast he and his co host Brad Bauer created to highlight the tactics and stories of people who have chosen this alternative path has become one of the fastest growing podcast online. Yes, the swine. We’ve almost 1 million monthly downloads and a hyper engaged community with over 200 Plus Local choose Fei chapters throughout the world. And in the words of Jean Chatzky, but today’s show is financial editor. It’s the movement has grown to be a movement in large because of a podcast called choose, as I said, With so many things on the Go at once, does he want to run away to the nearest shopping mall for some major retail therapy and splurge splurge splurge? And how did he get the FBI community up and running and so engaged? Well, let’s find out as we bring on to the show, to start join up dots with the one and only Jonathan Mendonsa. Morning, Jonathan, how are you sir? ChooseFI [3:02] David, I am doing great. And I don’t think I’ve ever said this to another man before. But I really want to see the back of your garden, David Ralph [3:08] you come to the back of the garden. And we’re sitting here and we will record live. Because actually, as we speak at the moment, I do recall that in the back of my garden, I’ve got a studio bear. And I thought to myself, I go home for lunch today. And I’ve been locked out, I can’t get back into the house. So until my kids get back from school, I’m here I’m trapped. But I can’t think of somebody nicer to be trapped with because Jonathan, you are a man who’s been on a journey. And it’s a journey that so many people are struggling with and you’ve come out the other side. Do you feel smug about it? ChooseFI [3:41] No, it’s more than I just feel like almost this calling, or I have to tell as many people as possible. This idea that I think all of us have kind of been given this normal narrative that we’re expected to follow to follow society’s rules. And at a certain age that may or may not be considered our golden years, we have permission that is do what we want basically kind of our desires, whatever you wanted to do as a child has to go on a bookshelf. And then you have to go through the slog to get the house you get the car, get the second car, you have to get you have a second kid, you get the promotion, you get the next promotion, you work the corporate ladder, you somewhere along the way pay off the student loans, student loans, they may be so big that they may outlive you, there’s literally means dedicated to the perpetuity of student loans, maybe at 65, there’s some government security in place for you. And then you are allowed to do maybe go work on your golf game, something along those lines. I was on a cruise ship relatively recently, and I went on there with my family. And I should say that we’re just kind of in our 30s. But I realized on the cruise ship that the vast majority of people that are on these cruises were like 60 years and older. And when they are asking people if they want to get off the ship, many of them just simply couldn’t at that point. So finally they had the freedom to go see the world do whatever it is that they wanted to do. And they quite literally just had to stay on the ship at this point. That just doesn’t seem right. Like why do we just get permission to our golden years? What does it look like to get our best years and I think just kind of thinking about that as a framework for you know, my personal story. And what we’re talking about on the show is a really powerful way to look at it. David Ralph [5:10] Isn’t that good vote to keep all the old people on the ship. So that can get me on the street easier. And you know, that’s what Yeah, isn’t it? ChooseFI [5:20] Yeah, that’s the conspiracy from the top down. That’s really what it’s all about. You got it? I think David Ralph [5:24] so. So with yourself in you are based in Richmond, Virginia, which is a lovely place in the world. And here. Yes, I have been here many, many times. And yes, it’s, it’s one of those places I always hit in the summer, dirty, sweaty. I don’t know how you guys charged? Yeah, I jumped out and I put the air con all the time. But for somebody like myself, what what interests me is I am I’m fine. I’m fine. financially independent. I, ChooseFI [5:52] I can cool to be able to say that, like when you say that I’m financially independent. I work because I want to not because I have to you’re doing this podcast out of love out of a passion out of a calling, not out of any sort of scarcity. I need to figure out how to keep the lights on like, think about that, how powerful that is? David Ralph [6:09] Well, is is but what I also have to say is no matter how financially free I become a debt always appears, I’ve never got to the point where I’m totally debt free, no mortgage, yes. And then I take out a car loan, and then I pay off the car loan, and then some there’s always something going on. Are you totally free from that? Are you totally free from you know, having the debt hanging around? Even if it’s only a small debt every now and again? ChooseFI [6:37] Yeah, that’s a great question. I think it just kind of depends on how you define it. So basically, the way that I consider financial independence is you have reached a number At which point, if you were to never bring in another dollar again, you could maintain your current lifestyle, right. So in my community, people do that. Either way, many people keep the money in an account and have the money grow the basically like if you decide to make the choice to pay off your mortgage, you’re essentially locking in a three or 4% rate of return depending on what the interest rates are in your particular area of the country, I’m the United States going rate is just around 4%. UK may be different. As opposed to that other people say, Well, you know what the market, I believe that over time, the market will outperform that. So I am going to take the money that I would be paying towards my house, and I’m going to grow it and an investment account. And you know, I have the choice of any point I wanted to pay off my house, I could, but you know that that’s my particular choice. But certainly other than the home mortgage, yes. 100%, debt free, no car debt, no. Student loans, and I’m not financing a couch or a blinds, there’s nothing running, you know, parallel to that, Mike, my budget looks relatively simple. And then I personally would rather just hold on to the mortgage, but that’s just more out of a cash interest rate arbitrage rather than something else. I think, you know, really the larger point set, the framework for your audience is really just talking about that, that kind of framework, because it ties so perfectly to the overarching theme of your show, which is joining the dots. And what I look at when I when I think of this is bandwidth, you know, how do you create bandwidth in your life, you so many of us when we’re paycheck to paycheck, we are one financial crisis, even a tiny financial crisis, we’re right next to the cliff, right? The financial cliff, we if our if the tire goes flat, it’s a it’s an existential crisis. If we lose our job, because of layoffs, or downsizing or whatever else, it’s an existential crisis. If if there’s something that we can do along the way to create that amount of space, it means that finally you might have the time in your life to actually start looking at what lights you up, to start thinking about how to make that next connection and really open yourself up to the possibilities of future that you can get excited about, you know, not 65 beyond but now let’s start moving yourself slowly in that direction. And I think that’s kind of like the my entire story, because I was sure that business of businesses, small business owners, I was sure that, you know, all businesses fail, the vast majority failed, quote, unquote. And I think along the way, one thing that I failed to realize is that while many businesses fail, those are that’s the first failure. And most business owners, most entrepreneurs iterate on that first idea, and come up with something that works. But you can’t do that, or it’s very difficult and dangerous to do that. If one you have to take out a ton of debt to do it. And to you don’t have any financial space, any financial margin in your life. So in my case, I googled in 1999, I googled, you know, top 10 professions, because I don’t want to do this crazy entrepreneur thing that people are doing top 10 professions that you know, will guarantee that you quote unquote, make it and somewhere on that list was pharmacy right? and and you know, there’s some other obvious ones on there, maybe now it’s computer software engineer, or doctors or lawyers, you know, you can get up, it’s probably a very stereotypical list of 10. Even still, but quite literally, for someone that wanted to guarantee an outcome. That’s like, all right, well, I’m going to do one of these. Now you’re saying, Well, that sounds kind of dumb, but I guarantee you that there’s tons of I’m not the only one tons of people do this, because we want to take the safe path, right? Love this guaranteed outcome. David Ralph [10:07] Did you get fed up with talking about this, Jonathan, because I can hear the passion coming from you. But I bet I bet there’s people around you that goes okay, john, okay. I know it. I know it, just just give you know, we’ve even got a critic in the Back Bay bad enough. ChooseFI [10:23] Ya know, I never get tired of it. And they may get tired of it a little bit here. Fortunately, we’re only here on Mondays and Fridays. So you get three days of break in between? Yeah, so I mean, like, that’s kind of the path I followed. And so to become a pharmacist, you know, it’s four years of undergrad, and then it’s four years of pharmacy school, so eight years of education. And so I graduate with $168,000 in student loan debt, and then four years pay that off, because I just, you know, you can kind of sense that he’s kind of anti debt for the most part. So I was like, I gotta pay all this off. It’s 12 years. And by the end of that little cycle, I kind of burnout, right? I mean, just, my quality of life in this job has just gone down. It wasn’t what I thought it was going to be. I mean, in retrospect, you’d look back and say, there was a lack of passion that led you there initially. So that was probably one mistake early on. But the larger point was, this guaranteed path didn’t allow me to feed that creative instinct, that creative juice, right, that that I think all of us at some level probably would enjoy would lean into would make for a happier work environment. And what’s interesting about that, though, even though, you know, my quality of life was was kind of going down the hill, as I was staying in this gig. I had no debt now, right? That’s the one thing that I did right, is that I crushed my student loan debt burden, if I had $168,000 in student loan debt, and immediately when I graduated, I had grabbed that high lifestyle, you know, that we’ve kind of just described earlier with maybe the multiple car payments and the large house and the extravagant entertainment budget and private school for kids and all that are jazz, like, I probably would have just felt trapped, right, I have to always make sure that I can continue to fund that lifestyle need to do whatever it takes to happen. That’s what you see people, when they first get that first job, they get their first taste of safe money, they immediately inflate their lifestyle to be able to sustain that, even though what they’re really just sustained is payments. And what so i what i did personally, is, when I graduated from school, I just kept my lifestyle very, very lean, we bought a very modest home, we bought a very modest car, we paid off all of the you know, we paid off the car note. So there was virtually in the United States, our cost of living was probably somewhere between 30 to $40,000 a year depending on depending on the you know, depending on the year, and that allow me to effectively achieve a 70 plus percent savings rate, and just crush that student loan debt. And that math is really helpful, you know, in terms of met charting your own particular path to financial independence, in that it’s pretty obvious if your paycheck to paycheck, you can never retire. If you can say 25 percent of your income, then that means that you work three years, you can take a year off, if you can say 50% of your income, then that’s pretty obvious, too, right? You could work a year and take a year off, you can do that forever. But it’s little more nuanced than that, that if you can save 50% of your income for even a relatively short period of time, like 10 to 15 years. And you invest that into pretty common sense investments. I’m not talking about cannabis and Bitcoin here, just regular index fund investing, low cost index fund investing, you can get to the point where working is optional, basically within that interim, interim period of time, and it’s not get rich quick, which usually leaves you a little bit broken better and your money in someone else’s pocket. But it’s get rich, quick ish, which can work every time because it’s based on simple math. David Ralph [13:44] Now, I love this. And there’s a lot of movements out there at the moment. And there’s one of the things that I got in about was minimalism. And I thought this is brilliant. If you reduce the amount that you’ve got, then you don’t have to service Batman by going out to work. So for a while I was into that. And then it started to get a bit sort of icky, where I was seeing people who were, you know, you go into the house and it was like a cave with one garden chair, and one spoon and one another on come on, you need a little bit more to it. Now, what we’re saying here, we’re just saying sort of, it doesn’t have to be too far into the sort of the been landing in a cave scenario. It’s just ChooseFI [14:31] did you just establish David Ralph [14:32] he was my number one minimum. So I can just imagine him sitting there on a garden chair with a spoon waiting for the Americans to find him. So it is is that a problem? When people look at this? And they go, Yeah, I’d love to be financially free. But it’s all a bit crap. I like to go out for a meal. I like to do this, I like to do that. Is it just about sort of reducing what they like to do by half to make a small difference? ChooseFI [14:58] Wow, it I genuinely love this question like this is the heart of it, isn’t it? I think that when you go through life, just purchasing everything, you have no cost, it’s almost impossible to know what you value, because you’re just going to get it right. And if you can’t afford it, you’ll just finance it’ll all work out, I can afford the payments. And the reality is you simply can’t afford it. You know, you simply can’t afford the risk that comes with financing everything in your life. But to your larger point, like finding that balance there, I’m kind of the same way no one. I mean, no one will look at me and say, well, that guy’s a minimalist. So you just and I think that’s kind of like it’s both cool. And it opens up the door. For us. minimalism is incredibly powerful as a concept, my slight pivot on it that me and my co host Brad have kind of leaned on is this idea of focusing on value. And so minimalism, the heart of minimalism is intentionality, right? Do you, you know, cut ruthlessly on the things that you don’t value and spend lavishly on the things that you do? I think some people certainly would say it’s the white wall, it’s Apple, it’s the you know, it’s the certain it’s just a very minimal setup. And but I think you can probably the common sense individual can take the heart of minimalism and apply it to their own life and tie it to this and find their own balance point for them. So for example, what would that actually look like? You the average individual that’s burned through 10, or 20 years of just consumption, has no idea literally no idea what their life costs? What would it take to unwind that? Well, the most obvious place would be just to track your spending over a 1234 month period of time, I don’t know why I have three four in there, I just felt like maybe instead of three will say four months. And once you do that, then you finally have a sense of where your outflow is where your outflow is going. And you can make this as high tech there. Certainly software solutions for this or a low tech get a very minimalistic pen and paper, I don’t care. I’m not going to judge you for it. But once you’ve done that, now we know what we’re spending on. And so once you go through that, now you can start what I would say, Yeah, I actually would say, cut to the point of deprivation, I mean, just barely to the point of deprivation, right? And then once you’ve reached that point, you’re like, Man, this is not so much fun anymore. Start adding back the items that you really miss. I mean, now, you know, I actually value this, do you really value the subscription magazines that want a free trial you got three years ago, the only reason you haven’t cut it out? Is because you didn’t want to make a phone call? Do you really value the 300 channels that you have on TV? And you go to that and there’s nothing on? And you say that out loud? Does Do you really value that? David Ralph [17:29] value that but it’s their wives that do value Unknown Speaker [17:32] that? David Ralph [17:34] Because you know, I could cut back on everything, I’d be quite happy. But my wife, she likes it. How do you overcome that when one person is going, we’re going to come back and the kids are going Please don’t. I want the Disney Channel because I’ve had that anytime. a five year old crying for a whole weekend because I was getting rid of the cable. ChooseFI [17:52] That’s hilarious. I can’t help you with all the kids that’s on you, brother. Let’s talk about your spouse for a second. This is a really important conversation. So one of you listens to my podcast or this podcast, and you’re just like, I’m going to go crazy, we’re going to get rid of everything. We’re cutting it all out and go home and you tell your spouse about this crazy plan that you concocted say we’re doing this. And she looks at you like you developed a third head, right? This is about tactics, right. And it’s about aligning your life, your as in plural, you know, you and your spouse are on this journey together. And if you’re going in opposite directions, two ships are going to crash, right, you need to get alignment there. In order to do that it’s going to require more than you drop in the master plan. It’s going to be a conversation, I think one of my best example that the most crystallized example I have of this, there’s a documentary that’s going to be it’s actually available now there’s actually a screening in London, but it’s going to be all around the world. And you’ll increasingly hear about it called playing with fire, talking a little bit more about this movement in financial independence. And in this documentary, Scott comes home to his wife Taylor with this master plan. And she kind of gives them that two heads, you know, look that we’re just described. But ultimately, what he does in this exact situation is he says Taylor, what I’d like for you to do is make a list of like the 10 things that you value your most your ideal day, like what makes your day and he just had her take some time, not on the fly, think about it, come back to them with her 10 things. And she read through those. And then once they had that once he had that he just made observations that you know, as you just pointed out, Hulu or TV TV wasn’t on there. And to just other items, like a lot of the items that were on there didn’t include didn’t include like what you would expect it include the Louis the time the expensive handbags, expensive car, like you just wasn’t there and involved, a husband is being present, right? It’s putting the phone down time with their baby quality time, just like the list went on and on it. And if you think about it, you’re like, Oh, yeah, of course, that would be amazing. But think so many of us have bought into this idea of convenience, and the pleasure that comes with convenience. And we trade that for happiness all the time. So the object of this is not to be miserable. I’m miserable and rich, you winning. Instead, focus on what actually makes you happy, right? And you won’t do that. If you always do what’s convenient. There’s a great quote by jersey record, I love this quote, but I have so much trouble saying his name. But basically the quote says, easy choices, hard life, hard choices, easy life, you’re going to have to slow down in your life and actually consider what is it that makes me happy. Now what brings me the most pleasure all of us like checking our Facebook, all of us like checking to see if we got any likes or any retweets or anything else. But what actually makes me happy. And if you look at that over a duration over span of several weeks or several months, the cadence of your life, it’s probably not going to involve Netflix vendors, right, especially when they screw up the finale. Yeah, David Ralph [20:49] my wife is saying, I know she’s going to seven, seven series of Games of Thrones, we’ve been about four days. And she can’t get the last one she can’t get and she’s she’s going mental. But let’s play some words now. And then we’re going to come back because I’m going to tell you gentlemen, what I did to my wife, this is this is sexy time. Here we go Jim Carrey Jim Carrey [21:09] my father could have been a great comedian, but he didn’t believe that that was possible for him. And so he made a conservative choice. Instead, he got a safe job as an accountant. And when I was 12 years old, he was let go from that safe job. And our family had to do whatever we could to survive. I learned many great lessons from my father, not the least of which was that you can fail at what you don’t want. So you might as well take a chance on doing what you love. David Ralph [21:35] Right. So this is how I did it with my wife to get on board. And she’s not totally on board, because you know, give her three grand, she’s going to spend three grand, but um, basically, she was doing all these little jobs and she would work in a pub, and she do a bit base and she do a bit of a, and I wanted her to reduce her hours that she was working elsewhere. And it wasn’t gonna be dramatic. But I said, if we drop this package that we’re paying, that you say that you want on the TV, sailor Amazon, but you don’t really because you got Netflix, and Amazon is not that important. That means that you can drop down three hours a week, but you don’t have to work. We’re saved. And I’ll give that to you. You know, I’m happier. But you’re having it and you’re not working van, it’s just going off to this big corporation. So that’s how I planned it. And I went through everything saying, right, I’m going to drop this down a couple of stages, we were paying this, let’s go down to the budget version. And then you can have the money she bought into that she bought into that quite quickly. And once you get into that sort of mindset, you can’t go back because you realize, as you say that the finances are slightly out of control some somehow and more often than not, it’s just effort to regain that control. ChooseFI [22:52] Yeah, and what you did is you tied money to her life, energy, your life energy. I mean, that’s Vicki Robin, and your money or your life was a book that was released in the 1990s essentially made that same case, are we making a living are we making a dime, when you look at your clothing rack, you know, and it’s full with all the latest name brand stuff, the latest tech toys or whatever else, realize that ultimately what that represents is your life energy, right. And while obviously like all of us are going to have stuff and enjoy stuff, to varying degrees, make sure it’s something that you don’t look back at with regret. And to your lot to that quote which man Wow, I’ve heard it now multiple times to Jim Carrey as I was listening to episodes of your podcast. And what’s so amazing to me is how true it is, and how you can even iterate it slightly to give yourself a couple different outcomes. So like in the case of his father that decided to take the safe path in this account, and then was just laid off, right. So the one path should be never take a safe, safe route. But some of us feel like we’re already pot committed. In my mind, if we’re already there, we’ve already chosen that that path. Let’s make sure that we have an escape route for ourselves, right? Let’s like don’t don’t, here’s my biggest fear advice. Don’t leave your only stream of income without plan. There you go that that feels like that’s probably bankable. Now behind that though, how do we give ourselves th
Wed, 5 June 2019
Introducing Mario Nawfal
Todays guest joining us on the Join Up Dots business coaching podcast interview is Mr Mario Nawfal
He is an entrepreneur who enjoys the challenge of building businesses that scale globally.
It was just a few years ago, back in 2012 when he started his first e-commerce business.
After going door to door selling blenders he came up with the end of doing the same online -Froothie Australia was born.
With just $300 in the bank, he was up and running, and by building into this process unconventional marketing techniques, efficient logistical systems and a team of global contractors That company became a smash hit.
He propelled Froothie to $1m in year one and over $10m in year 2, all bootstrapped.
How The Dots Joined Up For Froothie
After replicating the same model with a wide variety of products, he then established GoGlobal, an accelerator which identifies businesses that have a high-potential for growth.
They partner with quality manufacturers in the niche and leverage their global marketing and customer support teams to sell the products around the world.
But this is just a glimpse at the business's bursting forth of our guest today.
So where does he come up the ideas, as this seems a stumbling block for so many people online today.
And does he ever worry that he is taking on too much and he could lose focus?
Well lets find out as we bring on to the show to start joining up dots with the one and only Mr Mario Nawfal
During the show we discussed such weighty subjects with Mario Nawfal such as:
Why he is such a fan of Jim Collins "Good To Great" book, and loves the pebbles analogy.
Why being an expert really helps, but you only have to be able to be one ahead to truly inspire and coach someone else..
Why Mario now feels that it is so important to have a Plan B to ensure a safety net, something he wasn't big on at the beginning.
Why there is no such thing as an overnight success no matter how many people seem to state that they are.
Mon, 3 June 2019
Introducing The Growlr Founder Geoff Cook
Today's guest joining us on the Join Up Dots business coaching is a serial entrepreneur and public company CEO.
He started his first company from a Harvard dorm and sold it for millions of dollars at age 24.
He sold his second company for $100 million.
Of all the guests that have appeared on Join Up Dots he is one of the hardest to research.
Most have a fixed talent base that they spin their ventures around.
However our guest seems more than most to be an "idea" man who has an idea, finds an audience and then BOOM business time.
He is currently the CEO and co-founder of The Meet Group (NASDAQ: MEET), a social dating and live-streaming company with a $400+ million market cap.
He has also spent $200 million in the last 3 years buying 4 companies, including most recently, Growlr, a dating app for gay bears.
How The Dots Joined UP For Geoff Cook
If you have no idea what a Gay Bear is (I do as I Googled it) this will of course become clear in today's show.
Geoff also runs the leading podcast player, Podcoin, which is an app that pays a digital currency called Podcoin to listen to podcasts.
Geoff is the Ernst & Young Entrepreneur of the Year Award Winner for the Philadelphia Region.
He is also a children’s book author of "Veronica And The Volcano" and a mentor at Princeton University’s Keller Center.
So as you can see this interview can literally go in any direction, with any question fitting perfectly.
I suppose a great one to start with is what is his definition of an entrepreneur, and is this a title that is earnt or actually born with?
And do the ideas come more and more easily once the first shoots of success occur in a business?
Well lets find out as we bring onto the show to start joining up dots with the one and only Mr. Geoff Cook.
During the show we discussed such weight subjects with Geoff Cook such as:
Geoff revealed how he never claimed the badge of an entrepreneur when he first started earning his own cash. It was just something that he did.
Geoff talked about his early stages in business and how he knew that he would need to scale as soon as possible
We discuss about Product Market fit, and why it is so important to try you best to fit three key strategies - entertainment, status and utility.
Why Geoff feels that the Live Streaming is still in its infancy and is ready to explode in all our lives. Watch out NBC and CBS!