Aug. 9, 2025

EXPERIENCE 232 | Growing a Dream, Serving Community and Continuing a Family Legacy - Reed Miller, Owner of Northern Colorado Insurance Agency

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Season 5

In this episode of The LoCo Experience podcast, I sat down with Reed Miller, the owner of Northern Colorado Insurance Agency (NCIA) and a LoCo Think Tank member!  Reed shared insights on the changing landscape of insurance, detailing how NCIA serves multiple areas for health insurance, including employee benefits, Medicare, and individual plans. We also delved into the various options for group plans, the principles guiding his business, and the significant growth NCIA has experienced since he purchased the business 2+ years ago.

Reed spoke at length about his family legacy in business, starting with his grandfather's Coca-Cola distribution company and continuing with his father's agency’s inception and growth before partnering with a larger insurance brokerage - which grew to become the dominant regional player over time.  Reed's desire to strike out on his own was fueled by a commitment to transparency and ethical business practices, seeking to align his financial incentives with those of his clients. This focus extends to his personal life as well, where he balances business responsibilities with spending quality time with his wife Hannah and their two young boys.

Outside of work, Reed is actively involved in his community, notably serving as the President of Northern Colorado United for Youth, a volunteer organization that raises significant funds for local children’s charities - and has their annual Suitcase Party coming up on August 15th! Despite the various responsibilities, he manages to find time for travel and personal interests. Stories from his travels, including a memorable and somewhat nerve-wracking visit to Israel, highlight his adventurous spirit and commitment to both personal and professional growth.  So please join me in enjoying my conversation with Reed Miller.  

The LoCo Experience Podcast is sponsored by: Purpose Driven Wealth Thrivent: Learn more

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Music By: A Brother's Fountain

Transcript
WEBVTT

00:02:23.955 --> 00:02:25.806
Welcome back to the Local Experience Podcast.

00:02:26.586 --> 00:02:32.126
My guest today is Reed Miller and he is the owner of Northern Colorado Insurance Brokers.

00:02:33.056 --> 00:02:33.955
Uh, Northern Colorado.

00:02:33.955 --> 00:02:34.915
Insurance Agency.

00:02:34.915 --> 00:02:37.116
Insurance Agency, NCIA.

00:02:37.816 --> 00:02:40.556
So is it, is it a brokerage or is it an agency?

00:02:40.855 --> 00:02:43.036
It was both, frankly, I don't know the difference.

00:02:43.395 --> 00:02:43.596
Okay.

00:02:43.695 --> 00:02:46.756
Um, brokerage agency sounds nicer.

00:02:46.975 --> 00:02:48.515
Agency sounds a little more professional.

00:02:48.786 --> 00:02:49.075
Yeah.

00:02:49.105 --> 00:02:50.436
Like interchangeable.

00:02:50.436 --> 00:02:50.876
White collar.

00:02:51.066 --> 00:02:51.355
Yeah.

00:02:51.355 --> 00:02:55.635
Insurance broker, insurance advisor, consultant, salesperson.

00:02:56.015 --> 00:02:57.316
All synonyms

00:02:57.536 --> 00:03:02.795
in ways And specializing in anything or specializing in everything.

00:03:03.066 --> 00:03:03.355
Yeah.

00:03:03.355 --> 00:03:05.235
Everything in the sense of health insurance.

00:03:05.235 --> 00:03:05.475
Okay.

00:03:05.475 --> 00:03:09.195
So health insurance being, uh, three primary business functions.

00:03:09.475 --> 00:03:11.116
Employee benefits for companies.

00:03:11.695 --> 00:03:16.395
Uh, work with, you know, two small, small companies, two employees up to a thousand.

00:03:16.586 --> 00:03:16.876
Okay.

00:03:17.216 --> 00:03:19.596
Uh, second component would be Medicare.

00:03:20.475 --> 00:03:22.116
Medicare has several layers within it.

00:03:22.336 --> 00:03:25.355
Uh, Medicare Advantage, Medicare supplement prescription drug plans.

00:03:25.355 --> 00:03:25.635
Mm-hmm.

00:03:26.256 --> 00:03:30.395
And then individual insurance generally applicable for people under age 65.

00:03:31.265 --> 00:03:34.006
Uh, usually don't have access to employer coverage.

00:03:34.006 --> 00:03:34.286
Yeah.

00:03:34.286 --> 00:03:35.806
Um, also self-employed, stuff like that.

00:03:35.806 --> 00:03:36.406
Correct, yep.

00:03:36.436 --> 00:03:41.006
Also don't have access to like Medicaid government programs and different things, Obamacare stuff or whatever.

00:03:41.186 --> 00:03:41.406
Yep.

00:03:41.466 --> 00:03:44.045
So all health insurance technically is Obamacare, but Yeah.

00:03:44.045 --> 00:03:44.885
You, you got the idea.

00:03:44.885 --> 00:03:45.165
Fair.

00:03:45.165 --> 00:03:45.366
Okay.

00:03:45.366 --> 00:03:50.006
And then there's two subsets of, in individual insurance, there's both on exchange and off exchange business.

00:03:50.186 --> 00:03:50.406
So

00:03:50.596 --> 00:03:50.885
Okay.

00:03:51.026 --> 00:03:53.925
That's like the, like the normal, it fits everywhere.

00:03:53.945 --> 00:03:55.686
And then like kind of the less.

00:03:56.950 --> 00:03:57.691
How easy to place

00:03:57.911 --> 00:03:58.931
the exchange has been.

00:03:59.170 --> 00:03:59.371
Interesting.

00:03:59.431 --> 00:04:05.010
The last few years, uh, you know, the, the a CA or Affordable Care Act regulation was passed under Obama.

00:04:05.711 --> 00:04:12.651
Uh, the primary thing that Trump did the first go around was he removed the penalty for not having insurance, which was generally seen as favorable.

00:04:13.390 --> 00:04:26.211
Uh, Biden, his primary contribution was, uh, expanding the definition of, of income or changing the determination for income, uh, increasing the threshold so higher earners could actually qualify for, for government assistance.

00:04:26.211 --> 00:04:26.370
Gotcha.

00:04:26.430 --> 00:04:27.571
To help offset premiums.

00:04:27.630 --> 00:04:27.850
Yep.

00:04:28.190 --> 00:04:35.531
And then, uh, those, those, that expansion has, uh, sunsets at the end of 2025 and, uh, Trump.

00:04:35.591 --> 00:04:37.891
Oh, so there's a big bunch of new stuff happening?

00:04:38.240 --> 00:04:42.130
Well, kind of, it, it's in a way just reverting back to the original rule.

00:04:42.151 --> 00:04:42.571
Gotcha.

00:04:42.750 --> 00:04:43.411
Before Biden.

00:04:43.550 --> 00:04:43.771
Yep.

00:04:43.930 --> 00:04:44.490
Tinkered

00:04:44.721 --> 00:04:47.211
with the big, beautiful Bill Trump, uh, just passed.

00:04:47.471 --> 00:04:51.891
Uh, there was two big things that, that were relevant to health insurance and, and more so benefits.

00:04:52.670 --> 00:04:52.891
Um.

00:04:54.536 --> 00:04:59.396
One is they, they allow for, uh, HSAs to now pay for direct primary care.

00:04:59.776 --> 00:05:00.115
Oh, yeah.

00:05:00.136 --> 00:05:02.596
And then that's what we use my wife and I and local does.

00:05:02.596 --> 00:05:02.836
Mm-hmm.

00:05:02.935 --> 00:05:03.156
Yep.

00:05:03.576 --> 00:05:07.555
And then telemedicine, uh, not disqualifying, uh, HSAs either.

00:05:07.656 --> 00:05:11.315
So, uh, really good additions, uh, for, for that subset.

00:05:11.576 --> 00:05:12.396
But, uh, yeah.

00:05:12.396 --> 00:05:12.636
Cool.

00:05:12.755 --> 00:05:15.396
I didn't expect to get into legal use in the first three minutes.

00:05:15.396 --> 00:05:15.675
Little,

00:05:15.896 --> 00:05:17.076
you can't help but nerd out a little bit.

00:05:17.076 --> 00:05:17.276
Mm-hmm.

00:05:17.276 --> 00:05:18.235
You're kind of an insurance nerd.

00:05:18.235 --> 00:05:18.716
That's okay.

00:05:19.055 --> 00:05:24.435
So I can't remember, I know you purchased a business a couple years ago, two and a half years ago.

00:05:24.435 --> 00:05:24.915
Correct.

00:05:25.055 --> 00:05:25.836
Was it this name?

00:05:25.975 --> 00:05:27.475
Did you purchase the name and the assets

00:05:27.475 --> 00:05:27.956
of the business?

00:05:28.255 --> 00:05:28.636
Uh, yeah.

00:05:28.636 --> 00:05:30.196
So, uh, correct.

00:05:30.555 --> 00:05:35.396
I only purchased the assets, uh, purchased the, as you know, the assets being the brand.

00:05:35.815 --> 00:05:37.396
Uh, there was a different legal entity.

00:05:37.396 --> 00:05:39.596
And then I have my, my legal entity, but Sure.

00:05:39.596 --> 00:05:39.755
Okay.

00:05:39.755 --> 00:05:42.036
It's DBA Northern Colorado Insurance Agency.

00:05:42.656 --> 00:05:45.235
Uh, prior to that I had worked at a large insurance brokerage and.

00:05:46.076 --> 00:05:49.096
Uh, just over time desired to have my own business.

00:05:49.115 --> 00:05:49.576
And yeah.

00:05:49.995 --> 00:05:52.016
Uh, the stars kind of aligned for that to happen.

00:05:52.276 --> 00:05:57.175
Uh, in, in, you know, may of 2023 is when I completed the purchase and Okay.

00:05:57.175 --> 00:05:57.336
So

00:05:57.336 --> 00:05:58.216
just over two years now.

00:05:58.245 --> 00:05:58.536
Just

00:05:58.536 --> 00:05:59.295
over two years, which

00:05:59.555 --> 00:05:59.855
is great.

00:05:59.855 --> 00:06:00.175
Congratulations.

00:06:00.646 --> 00:06:00.935
Yeah.

00:06:00.935 --> 00:06:08.336
And there's all this, you know, data and, and whatnot about being a small business owner and, and many don't make it two or three years and Yeah.

00:06:08.516 --> 00:06:12.415
Uh, for us to be growing, uh, significantly, uh, it's been a lot of fun.

00:06:12.415 --> 00:06:12.615
So

00:06:12.795 --> 00:06:19.896
what's your, can I be curious how, how much change to the monthly revenue stream or the annualized revenue have you done since you got, yeah.

00:06:19.896 --> 00:06:20.855
I'm up about a hundred percent.

00:06:21.036 --> 00:06:21.255
So

00:06:21.255 --> 00:06:22.016
you've doubled it in two years?

00:06:22.016 --> 00:06:22.216
Mm-hmm.

00:06:22.526 --> 00:06:22.896
Good job.

00:06:23.005 --> 00:06:23.295
Yeah.

00:06:23.685 --> 00:06:27.776
Well, and you weren't really, you bought mostly a, like a Medicare and supplements agency.

00:06:27.776 --> 00:06:28.055
Correct.

00:06:28.115 --> 00:06:29.975
But that wasn't really your expertise.

00:06:31.350 --> 00:06:32.170
Uh, yeah.

00:06:32.271 --> 00:06:34.331
In your prior employee, is that true statement?

00:06:34.331 --> 00:06:34.490
Correct.

00:06:34.490 --> 00:06:37.930
You were working more with complex employer packages and stuff, correct?

00:06:38.560 --> 00:06:38.850
Yeah.

00:06:39.211 --> 00:06:44.411
Previously, for 10 years I was an employee benefits broker, a producer, advisor, whatever, uh, we want to call it.

00:06:44.471 --> 00:06:45.690
And, uh, that was great.

00:06:45.690 --> 00:06:48.771
Learned a ton, uh, but didn't have any experience with Medicare.

00:06:48.790 --> 00:06:54.091
And so it was nice, uh, to get into a new line of business because there is a lot of overlap.

00:06:54.350 --> 00:07:00.170
Uh, you know, there, there's, it's not a unique story for it to be, uh, for there to be a small business owner.

00:07:00.740 --> 00:07:05.250
Maybe the owner, uh, maybe is 65 years old and medi Medicare eligible.

00:07:05.261 --> 00:07:05.610
Right.

00:07:05.911 --> 00:07:09.490
Uh, potentially has a spouse that wouldn't need to be considered.

00:07:09.750 --> 00:07:14.690
Um, let's just assume in this situation the spouse is under 65, which, you know, brings him, happens often.

00:07:14.831 --> 00:07:15.050
Yep.

00:07:15.290 --> 00:07:15.651
A different

00:07:15.951 --> 00:07:16.331
Oh, right.

00:07:16.331 --> 00:07:16.930
Different deal.

00:07:17.151 --> 00:07:19.771
And he's no longer on the company plan, so she doesn't get it or something.

00:07:20.011 --> 00:07:20.170
Well,

00:07:20.170 --> 00:07:20.290
yeah.

00:07:20.290 --> 00:07:25.011
So then the question is, is should I offer benefits and, and how do I buy my own insurance as the business owner?

00:07:25.110 --> 00:07:25.531
Mm-hmm.

00:07:25.610 --> 00:07:26.091
And, um.

00:07:27.005 --> 00:07:29.745
And being able to advise on all three things.

00:07:29.805 --> 00:07:32.185
You know, here's the pros and cons of moving to Medicare.

00:07:32.185 --> 00:07:34.185
Here's the pros and cons of an individual plan.

00:07:34.185 --> 00:07:38.625
Here's the pros and cons of a, you know, small business plan and the tax implications and everything.

00:07:38.685 --> 00:07:44.026
And how are we good stewards and manage, manage our business, you know, expense well.

00:07:44.206 --> 00:07:47.985
And all three things really need to be considered a lot of the time or.

00:07:48.980 --> 00:07:50.961
For maybe medium or, or larger businesses.

00:07:50.961 --> 00:07:54.161
It's not uncommon to have 65-year-old and older Sure.

00:07:54.161 --> 00:07:58.480
You know, members of your workforce and, you know, coming up with strategies for them.

00:07:58.581 --> 00:08:12.761
And, and then again, like when Biden expanded the, the subsidies for, for individuals and increased the income thresholds, uh, that there was a lot of companies that actually canceled their, their group plan moved people to individual plans.

00:08:12.761 --> 00:08:13.161
Oh, interesting.

00:08:13.161 --> 00:08:18.161
But then individuals got, you know, 50, 60, 80, 90, a hundred percent subsidized plans.

00:08:18.261 --> 00:08:18.920
Oh, interesting.

00:08:19.261 --> 00:08:23.641
Um, and so all that, it's fascinating that an individual subsidized plan could be cheaper than a group plan.

00:08:23.670 --> 00:08:23.961
Yeah.

00:08:24.230 --> 00:08:24.521
Yeah.

00:08:24.521 --> 00:08:25.161
And there's just

00:08:25.180 --> 00:08:26.880
so much pros and cons Yeah.

00:08:27.060 --> 00:08:28.240
For the different strategies.

00:08:28.240 --> 00:08:40.000
And so, you know, and one of the reasons that led me to be to being independent is wanting to be able to offer all three strategies, uh, to truly be a, an independent, unbiased advisor for my customers.

00:08:40.380 --> 00:08:40.600
And.

00:08:41.556 --> 00:08:42.855
Uh, so far so good.

00:08:42.966 --> 00:08:44.416
Yeah, it's been,

00:08:44.416 --> 00:08:45.056
been tremendous.

00:08:45.115 --> 00:08:48.375
So what's your, do you have a helper at all yet, or what?

00:08:48.485 --> 00:08:49.495
Just, just me for now.

00:08:49.525 --> 00:08:49.975
Just you.

00:08:49.975 --> 00:08:50.216
Okay.

00:08:50.275 --> 00:08:50.495
Yep.

00:08:50.895 --> 00:09:00.775
I, I definitely have leveraged technology and, and, uh, automations, systems, processes and whatnot, automated workflows, uh, to be more efficient.

00:09:01.046 --> 00:09:01.336
Okay.

00:09:01.635 --> 00:09:03.495
You know, our industry, you move that back a little bit, that's fine.

00:09:03.495 --> 00:09:03.775
Yeah.

00:09:03.775 --> 00:09:13.615
Our industry definitely has, uh, some, some nuance and paperwork with it, but, uh, you know, we make our money with that face-to-face interaction, and, and that's still important.

00:09:13.635 --> 00:09:17.615
And so, uh, I would prefer to spend most of my, my time as most valuable with people.

00:09:17.995 --> 00:09:18.216
Yep.

00:09:18.635 --> 00:09:24.735
Uh, but I'm, I am approaching, or I'm, I'm frankly, I'm at the time when I'm, you're boiling over almost Yeah.

00:09:24.975 --> 00:09:27.655
Strongly considering, um, how to hire a person.

00:09:27.895 --> 00:09:31.216
I, I, you know, technology can only take you so far and what they should do.

00:09:31.475 --> 00:09:32.416
Um, precisely.

00:09:32.416 --> 00:09:32.775
Do you have a

00:09:32.775 --> 00:09:37.416
vision for building a, a larger team, or do you wanna be just a, a really stable solo return?

00:09:37.416 --> 00:09:38.895
Mostly, maybe with a really good helper.

00:09:39.676 --> 00:09:42.995
I, I think we could do a really, really good job for our clients.

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Um, you know, be, maintain strong profitability with a small team, two or three people, including myself.

00:09:50.836 --> 00:09:51.155
Mm-hmm.

00:09:51.235 --> 00:09:52.196
So maybe four, like one

00:09:52.196 --> 00:09:52.635
more producer.

00:09:53.015 --> 00:09:53.436
Mm-hmm.

00:09:53.436 --> 00:09:56.515
Maybe two more producers, but then one kind of support person for that team.

00:09:56.666 --> 00:09:57.155
Correct.

00:09:57.255 --> 00:10:04.556
And, you know, there, there's, there's different levels, you know, that, that you can pay as much money as you, as you're willing to For sure.

00:10:04.735 --> 00:10:08.556
For staff and, um, you know, the expertise component.

00:10:08.655 --> 00:10:09.676
You know, we can teach that.

00:10:09.855 --> 00:10:15.796
The, the thing that will cause me to be slow to hire is finding the right person that I'm gonna, you know, work intimately with.

00:10:15.895 --> 00:10:16.316
Mm-hmm.

00:10:16.395 --> 00:10:25.395
And make sure that we can be aligned in, in our, in our values and, and ethics and everything because, um, ultimately we have to prioritize and always put the needs of our clients first.

00:10:26.005 --> 00:10:28.796
Especially when we get into a sales, you know, function.

00:10:28.875 --> 00:10:32.596
I, I just, every incentive is always gonna be aligned with the, with the customer.

00:10:32.745 --> 00:10:33.035
Yeah.

00:10:33.416 --> 00:10:37.796
Um, you know, the, the industry, there's, there's a lot of funny business that can happen and.

00:10:38.591 --> 00:10:40.291
Um, you know, can we talk about some of it?

00:10:40.400 --> 00:10:41.530
Like what do you mean funny business?

00:10:41.530 --> 00:10:41.770
Mm-hmm.

00:10:41.850 --> 00:10:45.331
Like selling them the wrong Medicare plan because mm-hmm.

00:10:45.640 --> 00:10:49.691
They are willing to pay for it and you make more money selling that one or what?

00:10:49.691 --> 00:10:49.850
Correct.

00:10:49.850 --> 00:10:53.171
And yeah, and I mean, that's true for any of the lines of coverage.

00:10:53.171 --> 00:10:57.931
You know, there's different commissions for different products and sometimes we have control over what those prices are.

00:10:57.931 --> 00:10:58.850
Sometimes we don't.

00:10:58.850 --> 00:10:59.051
Okay.

00:10:59.120 --> 00:11:02.610
There's like a base price and if you mark it up, you get most of that markup kind of thing.

00:11:02.870 --> 00:11:05.931
Uh, potentially, uh, there's different tiers based upon volume.

00:11:05.931 --> 00:11:08.650
There's overrides, there's, there's bonuses.

00:11:08.990 --> 00:11:13.571
Um, I think specific to Medicare, I think a lot of.

00:11:14.485 --> 00:11:29.696
Independent Medicare brokers advise customers to sign up for Medicare Advantage because they generally, we, we would make more money, um, in that first year with a Medicare Advantage program compared to the alternative would be original Medicare with a supplement and prescription plan.

00:11:30.355 --> 00:11:32.816
Um, obviously the there I'm speaking in generalities.

00:11:32.926 --> 00:11:33.216
Yeah.

00:11:33.836 --> 00:11:34.615
Not necessarily

00:11:34.755 --> 00:11:35.975
for some people that is the right choice.

00:11:36.895 --> 00:11:37.096
Absolutely.

00:11:37.115 --> 00:11:45.375
But the easy button maybe tends to be Medicare Advantage'cause it covers extra and you make a little more and it doesn't even cover extra, it doesn't cut.

00:11:45.375 --> 00:11:45.615
Yeah.

00:11:45.676 --> 00:11:51.775
And that's the misnomer is oftentimes Medicare Advantage is at$0 premium, so it doesn't cost people per month.

00:11:52.436 --> 00:11:54.216
Um, and so they think, oh, it's free.

00:11:54.316 --> 00:11:57.176
And we're actually explicitly disallowed from saying the word free.

00:11:57.176 --> 00:11:57.416
Yeah.

00:11:57.556 --> 00:11:58.696
We have to say zero premium.

00:11:59.515 --> 00:12:04.456
Uh, but then they start going to the doctor and the bills start rolling in and they're like, well.

00:12:05.365 --> 00:12:07.566
I, I thought this was gonna be the same, and it's not.

00:12:07.745 --> 00:12:11.846
And so again, the financial incentive for an advisor is Medicare Advantage.

00:12:11.865 --> 00:12:13.765
We make more money on that, on that rail.

00:12:13.765 --> 00:12:14.005
Yeah.

00:12:14.005 --> 00:12:14.206
Yeah.

00:12:15.105 --> 00:12:31.166
Um, consequently, the, the book I purchased and, and the way I continue to advise Medicare members is, uh, generally we, we advise Medicare, original Medicare with a Medicare supplement and a prescription plan, um, at least for the first five or 10 years of, of someone's,

00:12:31.466 --> 00:12:32.926
if they're in good health eligibility,

00:12:33.155 --> 00:12:33.686
that kind of thing.

00:12:33.686 --> 00:12:33.926
Mm-hmm.

00:12:34.466 --> 00:12:36.846
Uh, there can be a time for Medicare Advantage, certainly.

00:12:36.946 --> 00:12:43.725
Uh, and it's when, uh, health deteriorates, you're no no longer able to pass Medicare underwriting for a new Medicare supplement policy.

00:12:43.785 --> 00:12:44.206
Mm-hmm.

00:12:44.285 --> 00:12:53.005
Um, and at which point, maybe you're 75, 80 years old, you're not traveling as much, you don't, you're not as worried about access to care, you know, in, in across the country.

00:12:53.466 --> 00:12:53.885
Mm-hmm.

00:12:54.025 --> 00:13:00.525
Um, where now you're, you're more okay accepting the smaller networks and smaller access and different things.

00:13:00.745 --> 00:13:02.245
But, um, I, I have.

00:13:02.900 --> 00:13:05.201
You know, plenty of Medicare Advantage customers.

00:13:05.221 --> 00:13:08.201
The majority of our Medicare customers are on a supplement policy.

00:13:08.860 --> 00:13:09.081
Um,

00:13:09.431 --> 00:13:12.561
well, and it all kind of sounds, sounds to me like it's relationship driven.

00:13:12.561 --> 00:13:17.640
You have to know your customers, know their lifestyle enough, know even their health condition a little bit.

00:13:17.900 --> 00:13:18.841
Do you get That's right.

00:13:18.910 --> 00:13:26.120
Like, do you get under the hood with their health or do they to you or do they fill out paperwork that they put in or like Yeah.

00:13:26.291 --> 00:13:29.441
How's that, what's that health privacy level with this work?

00:13:30.140 --> 00:13:40.600
So, you know, you get into HIPAA laws, so that's the health law that restricts my access or, or my, uh, it dictates the security protocols I have to take with.

00:13:41.135 --> 00:13:42.316
Any information you gather.

00:13:42.505 --> 00:13:52.115
Yeah, PHI, personal health information, PII, personal identifiable information, and, um, so all of our files and systems and whatnot, they have to be encrypted to a certain level and, and whatnot.

00:13:52.176 --> 00:14:08.605
But yeah, we we're very intimate with our, our customers, um, really all of them, because we need to understand whether it's an individual Medicare, an individual under age 65, a, you know, a corporate client, a, a person, or a company's claims data.

00:14:08.985 --> 00:14:17.206
Um, the, the thing that they're gonna use their health insurance for is paramount to how we advise people on, on which policies to buy, how to structure the plans.

00:14:18.066 --> 00:14:29.086
And so, like, for example, Medicare, uh, part of the enrollment process is gonna be getting a list of your, your doctors and a list of your prescriptions that naturally bleeds into, well, what health conditions do you have?

00:14:29.225 --> 00:14:35.966
And, and, uh, sometimes when, when appropriate, uh, we have to ask just direct medical questions.

00:14:36.105 --> 00:14:37.926
You know, do you have this, do you have that?

00:14:38.635 --> 00:14:40.086
When we get into like, corporate, isn't

00:14:40.245 --> 00:14:40.405
Medicare.

00:14:41.240 --> 00:14:43.020
You, you just get it anyway.

00:14:43.360 --> 00:14:45.660
Or, but not the supplements or certain things.

00:14:45.801 --> 00:14:46.020
Yep.

00:14:46.041 --> 00:14:47.380
So there, there's different components.

00:14:47.380 --> 00:14:47.620
Okay.

00:14:47.620 --> 00:14:49.461
So Medicare generally has four parts.

00:14:49.860 --> 00:14:52.181
Medicare, part A, part B, part C, and part D.

00:14:53.000 --> 00:14:57.780
Uh, traditional Medicare or original Medicare is Medicare part A and B through the government.

00:14:58.280 --> 00:15:02.341
Uh, when you turn 65 or become Medicare eligible, you get part A at no cost.

00:15:02.561 --> 00:15:04.980
Uh, part B does have an additional monthly premium.

00:15:05.081 --> 00:15:06.301
That's all through the government.

00:15:06.451 --> 00:15:06.740
Okay.

00:15:07.201 --> 00:15:13.821
If you participate in those programs, uh, that's original Medicare, then you would be strongly encouraged to get a Medicare supplement.

00:15:13.821 --> 00:15:15.941
That would be an addition and a prescription drug plan.

00:15:15.941 --> 00:15:18.140
Those four things together would be full coverage.

00:15:18.880 --> 00:15:25.660
Uh, if you choose the Medicare Advantage route, you're actually disenrolling from original Medicare and you're signing up with the private insurance program.

00:15:25.941 --> 00:15:26.100
I see.

00:15:26.160 --> 00:15:26.860
That's Medicare.

00:15:27.240 --> 00:15:27.701
Oh, interesting.

00:15:27.890 --> 00:15:28.181
Yeah.

00:15:28.341 --> 00:15:29.221
Qual Medicare Advantage.

00:15:29.571 --> 00:15:29.860
Okay.

00:15:30.041 --> 00:15:30.941
You know, qualified.

00:15:31.360 --> 00:15:32.900
Um, and all of them have different rules.

00:15:32.931 --> 00:15:34.780
Generally, Medicare Advantage doesn't.

00:15:36.091 --> 00:15:37.900
Well, it, it doesn't have medical underwriting.

00:15:37.961 --> 00:15:42.100
You just are restricted through, uh, signup periods, open enrollment period.

00:15:42.100 --> 00:15:42.260
Gotcha.

00:15:42.260 --> 00:15:45.061
You have initial initial eligibility period.

00:15:45.061 --> 00:15:51.341
You have your annual eligibility period, um, and whatnot compared to the Medicare supplements for the underwriting.

00:15:51.490 --> 00:15:52.301
This is really sexy

00:15:52.301 --> 00:15:52.740
talk, huh?

00:15:52.740 --> 00:15:52.980
Yeah.

00:15:52.980 --> 00:15:53.701
This insurance stuff.

00:15:53.721 --> 00:15:54.181
We, we've

00:15:54.181 --> 00:15:55.100
lost all the list.

00:15:55.480 --> 00:15:56.181
All the listeners.

00:15:56.520 --> 00:15:56.941
Boring.

00:15:58.480 --> 00:16:04.620
Um, maybe we should take some shots, uh, get things live up a little bit.

00:16:04.620 --> 00:16:06.701
You gotta drive from here though, so we're not gonna get too crazy.

00:16:06.931 --> 00:16:07.221
Yeah.

00:16:07.681 --> 00:16:13.350
Um, so talk to me about like health company health plans.

00:16:13.350 --> 00:16:13.671
Mm-hmm.

00:16:13.791 --> 00:16:14.510
A little bit like.

00:16:15.926 --> 00:16:17.816
What are the big factors changing?

00:16:17.975 --> 00:16:21.535
I, I hear a lot of horror stories of, you know, up 25 percents and stuff.

00:16:21.535 --> 00:16:21.735
Yeah.

00:16:21.735 --> 00:16:23.696
Some of the most recent years and things.

00:16:24.275 --> 00:16:28.855
Um, and then there's kinda like be your own group and stuff like that.

00:16:29.046 --> 00:16:29.336
Yeah.

00:16:29.436 --> 00:16:30.056
Is a trend.

00:16:30.255 --> 00:16:30.855
I, I, I don't know.

00:16:30.895 --> 00:16:35.975
I I, I haven't paid attention to it much over the last five years or more and I, I know I, all I know is changed.

00:16:36.446 --> 00:16:36.735
Yeah.

00:16:37.316 --> 00:16:42.456
You know, more than, than, you may not use quite the right words, but you know more than, than you lead on, I think.

00:16:42.515 --> 00:16:45.336
But a group insurance is complicated.

00:16:45.365 --> 00:16:47.056
Like everything, you know, there, there's nuance.

00:16:47.056 --> 00:16:48.975
That's partly why our industry exists.

00:16:49.596 --> 00:16:53.975
Uh, and it, it oftentimes, uh, matters how many employees there are.

00:16:54.166 --> 00:16:54.456
Yeah.

00:16:54.456 --> 00:16:56.216
You know, there, there's kind of three different.

00:16:56.880 --> 00:16:59.431
Types of, or, or strategies to buy insurance?

00:17:00.130 --> 00:17:04.951
Uh, there's fully insured, there's partially self-funded, and then there's, you know, completely self-funded.

00:17:04.951 --> 00:17:05.230
Mm-hmm.

00:17:05.310 --> 00:17:08.510
Oftentimes, I'll say fully self-insured, which is a bit of a Right.

00:17:08.530 --> 00:17:09.590
You know, confusing term.

00:17:09.651 --> 00:17:15.111
But, you know, if you're, if you have less than 10 employees, you're probably gonna be in a fully insured arrangement.

00:17:15.111 --> 00:17:15.431
Right.

00:17:15.431 --> 00:17:22.030
That's gonna absolutely be the most expensive, uh, bucket to be in, uh, smaller groups under 10.

00:17:22.171 --> 00:17:23.990
You know, we would look at fully insured options.

00:17:24.141 --> 00:17:30.911
We'd also look at, uh, some sort of co-op arrangements or like PEO arrangements that can sometimes give you some group buying power.

00:17:30.911 --> 00:17:31.310
Mm-hmm.

00:17:31.931 --> 00:17:32.550
And save some money.

00:17:32.810 --> 00:17:37.070
But otherwise, with a group of under 10, if somebody gets a$2 million cancer treatment.

00:17:37.721 --> 00:17:40.260
It, you couldn't be self-insured, it would just wreck the whole lot.

00:17:40.451 --> 00:17:40.941
Correct.

00:17:41.121 --> 00:17:43.780
And, and it, it just gets into pooling risk.

00:17:43.780 --> 00:17:43.901
Right.

00:17:43.901 --> 00:17:44.901
You know, that's what insurance is.

00:17:44.901 --> 00:17:45.060
Right.

00:17:45.060 --> 00:17:45.141
Right.

00:17:45.240 --> 00:17:47.381
And so we need, there's not a big enough pool.

00:17:47.490 --> 00:17:47.980
Exactly.

00:17:48.760 --> 00:17:51.461
Now, some of that happens at the, the insurance company level.

00:17:51.721 --> 00:18:02.540
Um, but the next bucket, you know, roughly from 10 or 20 employees up to maybe 50 to a hundred, that's gonna be that middle section where you're partially self-funded, you know, other, other languages, level funded plans.

00:18:03.080 --> 00:18:07.661
Uh, this is now starting to actually underwrite the group based upon their actual risk profile.

00:18:08.060 --> 00:18:08.141
Hmm.

00:18:08.240 --> 00:18:18.340
Uh, that superfund, uh, interesting for me because it starts to expose, uh, what the actual problems are, the problems being, what are the claims cost, what are the employees spending the money on?

00:18:18.340 --> 00:18:19.941
What, what medical conditions are there.

00:18:19.941 --> 00:18:20.260
Mm-hmm.

00:18:20.881 --> 00:18:28.861
Um, and then when we get into the larger section, you know, 50 and up, a hundred and up, uh, depending on structures and whatnot, if we structure it correctly.

00:18:28.881 --> 00:18:44.181
And, and, um, most aggressively is kind of what you're alluding to, where we essentially are, are rebuilding insurance companies and allowing the, the company, you know, my client to have their own plan where they're, they have the ultimate authority, they're 100 people or something.

00:18:44.181 --> 00:18:44.461
Mm-hmm.

00:18:44.540 --> 00:18:44.740
Is

00:18:44.740 --> 00:18:47.500
kind of the claims history of that drives the pool.

00:18:47.721 --> 00:18:47.941
Yep.

00:18:48.121 --> 00:18:52.020
And so now we, there's probably some kind of a super high risk thing or something like that, or, yeah.

00:18:52.020 --> 00:18:52.540
And that sometimes

00:18:52.891 --> 00:18:55.740
that, that gets into this idea of stop loss or reinsurance.

00:18:55.901 --> 00:18:56.060
Reinsurance.

00:18:56.201 --> 00:18:56.701
Yep, yep, yep.

00:18:56.701 --> 00:19:02.941
If you're large enough, you can actually drop your reinsurance'cause you have statistical certainty on what claims are gonna come in.

00:19:02.941 --> 00:19:04.260
And, and you can fund appropriately.

00:19:04.290 --> 00:19:04.580
Yeah.

00:19:04.580 --> 00:19:05.340
And you have enough premium.

00:19:05.530 --> 00:19:14.941
What I love about that is too, that if a company gets after it and starts giving everybody gym memberships or having, you know, healthy.

00:19:15.945 --> 00:19:18.486
Living habits coaching or, or whatever.

00:19:18.486 --> 00:19:27.685
Even a mental health counselor on site once in a while might be one of those things that reduces the overall spend through the traditional insurance

00:19:27.685 --> 00:19:28.086
system.

00:19:28.115 --> 00:19:28.405
Yeah.

00:19:28.826 --> 00:19:31.445
And what they say is an ounce of prevention's worth a pound of cure.

00:19:31.635 --> 00:19:31.925
Yeah.

00:19:32.066 --> 00:19:34.965
The best way to survive cancer is to not get cancer.

00:19:35.445 --> 00:19:35.685
Right.

00:19:35.945 --> 00:19:47.486
And so when, when the company has this, you know, complete visibility into their claims, they're benefiting directly, they're retaining the savings from all of those avoided, avoided visits down the road.

00:19:48.105 --> 00:19:48.846
You know, if, if someone.

00:19:49.861 --> 00:19:50.641
You know, start, which

00:19:50.840 --> 00:19:57.441
actually is an incentive to,'cause a lot of times people think we have a, a sick care system instead of a healthcare system in America.

00:19:57.441 --> 00:19:57.760
Mm-hmm.

00:19:57.840 --> 00:19:58.681
Just because of the incentives.

00:19:59.300 --> 00:20:04.121
But at least in this capacity, there's an incentive for a company with a group of employees That's right.

00:20:04.181 --> 00:20:05.201
To try to get them healthier.

00:20:05.340 --> 00:20:05.560
Yep.

00:20:05.631 --> 00:20:05.921
Yeah.

00:20:05.921 --> 00:20:08.881
So if we can get a guy, you know, he's 300 pounds.

00:20:08.980 --> 00:20:14.401
If we can get him to lose a hundred pounds and eat apples and, and change his diet, I'll give you free apples, babe.

00:20:14.471 --> 00:20:14.961
Exactly.

00:20:15.361 --> 00:20:19.000
But if, if we avoid a heart attack, I mean, that's a hundred thousand dollars claim.

00:20:19.050 --> 00:20:19.401
Right?

00:20:19.401 --> 00:20:19.721
Easily.

00:20:19.871 --> 00:20:24.000
That, that now the company in these, these strategies, they're retaining the savings.

00:20:24.060 --> 00:20:32.121
So maybe they're spending a, you know, a few thousand dollars extra per year on, on their, you know, health and wellness programs, but truly crafting a wellness strategy.

00:20:32.901 --> 00:20:34.361
Um, I mean, it can.

00:20:34.796 --> 00:20:35.776
Pay itself dividends.

00:20:35.776 --> 00:20:39.135
The, these insurance companies are very, very profitable organizations.

00:20:39.135 --> 00:20:39.375
Yeah.

00:20:39.395 --> 00:20:48.536
And like when Obamacare got passed or the Affordable Care Act, a lot of people thought, oh, this is kind of the beginning of the end when all it's done is made these institutions made a bunch more customers for'em.

00:20:48.536 --> 00:20:48.976
Exactly.

00:20:49.006 --> 00:20:49.736
More valuable.

00:20:50.236 --> 00:20:58.776
And you've seen it in the stock prices and, um, the, you know, the, the health insurance industry is not gonna change, uh, dramatically.

00:20:58.875 --> 00:21:02.855
You know, people talk about single payer and different things one way or another.

00:21:03.115 --> 00:21:04.776
You know, Anthem United Healthcare.

00:21:05.951 --> 00:21:11.330
You know, Cigna, Aetna, Humana, you know, these are, these are large, huge companies.

00:21:11.631 --> 00:21:14.171
Um, they have deep, deep, they're gonna have a seat at the table.

00:21:14.371 --> 00:21:14.770
Exactly.

00:21:14.770 --> 00:21:15.851
They have deep, deep pockets.

00:21:15.851 --> 00:21:17.090
They're funding the lobby groups.

00:21:17.090 --> 00:21:19.971
They're paying, you know, they're, they're influencing elections.

00:21:19.971 --> 00:21:22.971
They, they have the, the politicians in their pockets, they can't influence

00:21:22.971 --> 00:21:23.250
Trump.

00:21:23.800 --> 00:21:25.691
Well, yeah, they're, yeah.

00:21:25.691 --> 00:21:25.931
Right.

00:21:27.010 --> 00:21:27.691
I just tasing.

00:21:27.760 --> 00:21:30.050
Yeah, not sure.

00:21:30.280 --> 00:21:32.451
They're probably the creators of the Epstein list right there.

00:21:32.750 --> 00:21:32.971
Wow.

00:21:32.971 --> 00:21:33.250
Yeah.

00:21:33.590 --> 00:21:34.250
You never know.

00:21:34.750 --> 00:21:36.411
We will get crazy on this, this show.

00:21:36.631 --> 00:21:36.971
Oh, yeah.

00:21:36.971 --> 00:21:39.611
We can talk about anything That's, I said, I can't really tell you what I'm gonna ask.

00:21:39.681 --> 00:21:39.971
Yeah.

00:21:40.431 --> 00:21:41.931
But it, it's fascinating.

00:21:41.931 --> 00:21:47.010
But it now's it's more important than ever as costs continue to rise up, there are solutions.

00:21:47.030 --> 00:21:49.131
You know, we've talked a little bit about preventive care.

00:21:49.711 --> 00:21:55.530
Uh, some other strategies I'm seeing with, with customers is carving out their pharmacy benefit plan.

00:21:55.671 --> 00:21:58.090
So now, instead of using these large integrated.

00:21:59.161 --> 00:22:02.361
Pharmacy benefit programs are, they're called PBMs, pharmacy Benefit Managers.

00:22:02.711 --> 00:22:06.401
Instead of using the integrated one with any of the big carriers, we carve it out.

00:22:06.750 --> 00:22:08.560
Well now we're, we're getting passed through pricing.

00:22:08.570 --> 00:22:09.961
We're seeing transparent pricing.

00:22:10.421 --> 00:22:14.800
Um, we're also contractually allowed to, to do mitigation strategies.

00:22:14.800 --> 00:22:20.320
So whether that's international sourcing for, for drugs, you know, we can get drugs outta Canada mm-hmm.

00:22:20.401 --> 00:22:21.240
Or the Cayman Islands.

00:22:21.740 --> 00:22:33.441
Um, there's even been times when employees have gone down to, uh, different countries, gone down to Mexico, Cayman Islands, whatever, had a full, you know, week long vacation just to go pick up their drug and, and the company can pay for it.

00:22:33.451 --> 00:22:33.800
Right.

00:22:34.101 --> 00:22:34.361
You know?

00:22:34.361 --> 00:22:34.961
Well, and I was just

00:22:34.961 --> 00:22:38.080
thinking about, we talked about, uh, direct care practitioners.

00:22:38.080 --> 00:22:38.320
Mm-hmm.

00:22:38.401 --> 00:22:39.201
Direct Primary care.

00:22:39.201 --> 00:22:39.320
Yeah.

00:22:39.320 --> 00:22:39.520
Direct

00:22:39.520 --> 00:22:56.601
primary care, you know, a lot of those kind of offices, a hundred bucks a month or something like that to be a, a client and having somebody actually kind of engaged in conversation with you for more than 30 minutes a year can probably help a lot of people be more healthier.

00:22:57.171 --> 00:22:57.461
Yeah.

00:22:57.461 --> 00:22:59.540
And that, that, that's another fundamental strategy.

00:22:59.631 --> 00:23:00.621
Again, we want.

00:23:01.260 --> 00:23:03.361
People to access primary care.

00:23:03.500 --> 00:23:06.320
We want them to go in for, at a minimum, their annual checkup.

00:23:06.320 --> 00:23:06.601
Right.

00:23:06.941 --> 00:23:11.760
Uh, but to your point, your health is not just a one once a year deal.

00:23:11.760 --> 00:23:12.080
Right.

00:23:12.101 --> 00:23:13.961
You know, you need to have regular check-ins.

00:23:13.961 --> 00:23:17.760
Well, many people don't go to the doctor even for their annual checkup.

00:23:17.820 --> 00:23:21.240
So, you know, preventive care is covered a hundred percent under Obamacare.

00:23:22.111 --> 00:23:26.441
That that should reduce the, the, you know, the barrier for people to get care.

00:23:26.990 --> 00:23:28.401
Unfortunately, it doesn't.

00:23:28.530 --> 00:23:28.881
Right.

00:23:29.101 --> 00:23:30.961
People and people are just lazy and mm-hmm.

00:23:31.040 --> 00:23:31.240
Patterns.

00:23:32.270 --> 00:23:33.851
You know, if I ignore it, it'll go away.

00:23:34.070 --> 00:23:45.250
And then oftentimes you go in for that insurance appointment, you know, you, you go in, you sit in the, the waiting room for t 20, 30, 40 minutes, you talk to the nurse practitioner for, you know, do your height and weight and do the simple like intake form.

00:23:45.250 --> 00:23:45.530
Mm-hmm.

00:23:45.830 --> 00:23:47.851
And then you actually talk to the doctor for five minutes.

00:23:47.881 --> 00:23:49.131
They say, well, is anything wrong?

00:23:49.131 --> 00:23:51.611
You say No, and then they're off the next appointment.

00:23:51.611 --> 00:23:51.851
Totally.

00:23:52.310 --> 00:23:54.451
And that's what they have to do in order to be profitable.

00:23:54.451 --> 00:23:54.691
Right.

00:23:54.691 --> 00:23:56.050
Under the current insurance model.

00:23:56.711 --> 00:24:02.570
So you pivot and now you, you get into these ideals, these direct contracts, you know, with largely primary care, a big company

00:24:02.631 --> 00:24:05.250
you could even bring a few doctors in and just have'em there.

00:24:05.250 --> 00:24:05.371
Yep.

00:24:05.760 --> 00:24:06.050
Site

00:24:06.050 --> 00:24:06.330
clinics.

00:24:06.351 --> 00:24:06.570
Yep.

00:24:06.681 --> 00:24:06.971
Yeah.

00:24:07.111 --> 00:24:07.330
And

00:24:07.330 --> 00:24:14.131
that's not, I mean, Northern Colorado here specifically, and even most of Colorado, most of our employers aren't that big.

00:24:14.131 --> 00:24:14.411
Yeah.

00:24:14.431 --> 00:24:18.250
You know, most of our employers are 20 to 50, you know, employees.

00:24:18.250 --> 00:24:18.490
Right.

00:24:18.681 --> 00:24:19.691
That that's not taken.

00:24:19.691 --> 00:24:20.371
It's so of

00:24:20.371 --> 00:24:25.691
those bigger ones, there might be more infrastructure for that kind of mechanism, but, well, with my experience with having the direct.

00:24:26.351 --> 00:24:31.371
Uh, primary care is they're like, oh, you know, let's talk, talk, talk, talk, talk, talk, talk.

00:24:31.441 --> 00:24:31.730
Okay.

00:24:31.730 --> 00:24:32.691
We're gonna do some blood work.

00:24:32.830 --> 00:24:33.050
Yep.

00:24:33.191 --> 00:24:34.651
Uh, and then we're gonna get that result.

00:24:34.671 --> 00:24:39.530
And depending on what we see, we might supplement you and then have you come back and do some blood work again in eight weeks.

00:24:39.750 --> 00:24:39.971
Yep.

00:24:39.990 --> 00:24:40.891
You know, and it's just so.

00:24:42.016 --> 00:24:43.425
Focused instead of brief.

00:24:43.566 --> 00:24:43.786
Yep.

00:24:44.135 --> 00:24:48.665
Well, and instead of having a 10, you know, 5, 10, 15 minute appointment, you, you're gonna have an hour appointment.

00:24:48.665 --> 00:24:48.905
Yeah.

00:24:48.915 --> 00:24:49.586
Oftentimes.

00:24:49.846 --> 00:24:58.226
And these direct primary care doctors, it's really fascinating because the, these family docs, they, they have tremendous knowledge and, and training and.

00:24:59.236 --> 00:25:03.016
Um, they've gone through years and years and years of schooling to be where they're at.

00:25:03.125 --> 00:25:07.935
They can do so much more than just, you know, tap your knee for, for, you know, reflexes.

00:25:08.115 --> 00:25:13.736
And so what it actually does is it allows you to spend money at the cheapest part of the healthcare system.

00:25:13.736 --> 00:25:14.096
Mm-hmm.

00:25:14.516 --> 00:25:15.496
Invest the money there.

00:25:15.715 --> 00:25:18.415
And now you, you don't even have to go see a cardiologist.

00:25:18.675 --> 00:25:18.895
Uh.

00:25:19.691 --> 00:25:30.570
I kind of have talked about financial incentives a little bit, but, uh, similar to like the retirement question, when someone asks, uh, or when someone is concerned about how am I gonna retire?

00:25:30.671 --> 00:25:32.490
How am I gonna pay my bills in retirement?

00:25:32.840 --> 00:25:39.730
Well, if you talk to a financial advisor, they might say, oh, well, you know, we're gonna do a dollar cost averaging strategy and do a Roth IRA.

00:25:40.121 --> 00:25:43.570
Well, if you talk to a real estate broker, they're gonna say, well, you need to buy rental property.

00:25:43.641 --> 00:25:43.931
Sure.

00:25:44.111 --> 00:25:46.330
Um, and so you can, and you know, and if

00:25:46.330 --> 00:25:49.131
you talk to a doctor at a hospital, they're be like, let's just be sure about this.

00:25:49.131 --> 00:25:50.730
And have you see the cardiologist Exactly.

00:25:50.760 --> 00:25:51.451
Have a few tests.

00:25:51.931 --> 00:25:54.371
And so, so that's the thing is, is have

00:25:54.371 --> 00:25:55.371
a few$3,000 tests.

00:25:55.790 --> 00:25:57.810
The, the same applies for our healthcare.

00:25:58.030 --> 00:26:01.490
If we go straight to the, the cardiologist, they're gonna look for a heart problem.

00:26:02.000 --> 00:26:05.371
Well, if you started at primary care, they may say, no, you, you know, yeah.

00:26:05.371 --> 00:26:06.691
You're having kind of heart pain.

00:26:07.320 --> 00:26:10.770
Most likely you have, you know, acid reflux indigestion, and, and they might.

00:26:11.601 --> 00:26:13.300
You know, prescribe you Tums, right?

00:26:13.411 --> 00:26:16.221
Instead of spending thousands of dollars on, on heart problems.

00:26:16.280 --> 00:26:21.221
Now obviously if the, if you know you have a major condition, go get the care you need and whatnot.

00:26:21.221 --> 00:26:27.381
But primary care is kind of that quarterback that can kind of see the whole, whole scope instead of, uh, going too far down one, I've enjoyed it so

00:26:27.381 --> 00:26:29.260
far, you know, but I'm kind of a rebel mm-hmm.

00:26:29.340 --> 00:26:31.500
Against insurancey things and stuff.

00:26:31.810 --> 00:26:32.101
Yeah.

00:26:32.201 --> 00:26:32.580
In general.

00:26:33.010 --> 00:26:33.300
Yeah.

00:26:33.421 --> 00:26:40.141
I, well, you get into financial incentives and under the insurance model, the way doctors make money is by filing claims.

00:26:40.560 --> 00:26:43.421
The more claims they file, the more right, the more money they make.

00:26:43.971 --> 00:26:50.141
With direct primary care, it flips it and it changes the financial incentive where the doctor's gonna get their a hundred dollars a month regardless.

00:26:50.310 --> 00:26:50.661
Right.

00:26:50.661 --> 00:26:54.340
Whether they see you every day, or whether they see you once, you know, once a quarter.

00:26:54.431 --> 00:26:54.780
Right.

00:26:54.961 --> 00:26:59.300
So now their incentive is actually to keep you well, so that you're not showing up.

00:26:59.320 --> 00:27:00.580
So if they, if you're showing, showing up once a month,

00:27:00.580 --> 00:27:01.941
they're like, Hey, let's fix some of this crap.

00:27:01.941 --> 00:27:02.221
That's right.

00:27:03.046 --> 00:27:12.986
Um, and so it's just that that's kind of the theme in, in getting back to wanting to start my own agency is, uh, I needed every financial incentive to be aligned, uh, for my, my customers.

00:27:13.486 --> 00:27:15.226
So how do you do that?

00:27:15.645 --> 00:27:23.586
And, and, and let's talk about kind of the values and like, have you defined those for yourself, even though it's just you so far?

00:27:24.125 --> 00:27:27.385
Um, and is that something you have to do before you really hire that next person?

00:27:27.615 --> 00:27:27.905
Yeah.

00:27:27.905 --> 00:27:29.665
Like mission, vision, values type thing.

00:27:29.665 --> 00:27:29.905
Yeah.

00:27:29.905 --> 00:27:30.465
Kinda that stuff.

00:27:30.566 --> 00:27:34.705
And you know, obviously when it's just you, you're like, it's all kind of here.

00:27:34.766 --> 00:27:35.586
I'm living it, you know.

00:27:35.605 --> 00:27:35.826
But

00:27:36.375 --> 00:27:36.665
yeah.

00:27:36.705 --> 00:27:40.546
Articulating that, uh, it's actually something I've been working on.

00:27:41.046 --> 00:27:43.586
Um, I don't have anything I can share at the moment.

00:27:43.586 --> 00:27:43.826
Yeah.

00:27:43.826 --> 00:27:43.945
Yeah.

00:27:44.861 --> 00:27:53.520
Uh, I have this like perfectionist, um, problem where I consistently have to tell myself progress over perfection.

00:27:53.520 --> 00:28:00.441
Just make, make, make the step because I could fidget on, you know, four keywords that I perfectly identify with for the next 40 years.

00:28:01.030 --> 00:28:01.320
Fair.

00:28:01.580 --> 00:28:06.641
And so part of me wants to have the NCIA kind of acronym spelled out.

00:28:07.260 --> 00:28:10.601
Uh, you know, there, there's, there's words.

00:28:10.721 --> 00:28:12.881
I also hate cliches, you know, like care.

00:28:13.121 --> 00:28:14.000
Everyone says character, right.

00:28:14.000 --> 00:28:14.441
Integrity.

00:28:15.101 --> 00:28:18.721
Um, I, I'm, I'm, I desire integrity.

00:28:18.721 --> 00:28:23.161
Would, uniqueness would take the, I it could, I have different ideas, so, okay.

00:28:23.340 --> 00:28:24.641
I'm not gonna say anything into the mic.

00:28:24.790 --> 00:28:26.240
Well, let's talk about to it, but about the,

00:28:26.240 --> 00:28:27.161
the incentives alignment.

00:28:27.391 --> 00:28:31.080
Like you said, you wanted to have your incentives aligned to the benefit of your customers.

00:28:31.221 --> 00:28:31.441
Yep.

00:28:31.461 --> 00:28:33.280
And how do, how do you do that differently maybe?

00:28:33.631 --> 00:28:33.921
Yeah.

00:28:34.141 --> 00:28:39.000
So to your point right now, my personal ethic is my business ethic.

00:28:39.000 --> 00:28:39.721
It, it's the same.

00:28:39.820 --> 00:28:43.161
And I will always do what's in the best interest of the customer.

00:28:43.881 --> 00:28:52.141
Um, our industry gives massive financial incentives for performance and, and it's kind of the opposite of what I'm saying.

00:28:52.161 --> 00:28:56.980
The insurance company is trying to align the financial incentives for me to sell us their product.

00:28:57.250 --> 00:29:00.381
Yeah, well, whether that's Humana or somebody else's thing

00:29:00.381 --> 00:29:00.820
or whatever.

00:29:00.820 --> 00:29:02.340
You, to focus it on what?

00:29:02.340 --> 00:29:02.820
Correct.

00:29:02.921 --> 00:29:08.540
And, and they generally have both new business requirements as well as, as, you know, current business or

00:29:08.800 --> 00:29:09.221
mm-hmm.

00:29:09.401 --> 00:29:13.580
Or, you know, they call'em block bonuses or persistency bonuses, so you gotta make

00:29:13.580 --> 00:29:14.461
more the more.

00:29:15.381 --> 00:29:17.171
Loyal you are to these various folks.

00:29:17.270 --> 00:29:17.490
Yep.

00:29:17.721 --> 00:29:18.490
Whether or not

00:29:18.490 --> 00:29:19.770
it's the right fit for your customers.

00:29:20.070 --> 00:29:33.330
And so, for example, you could have a really good proposal from an a competing insurance company that if you move a customer from insurance company A, the insurance company B, it could sacrifice those persistency bonuses or Right.

00:29:33.471 --> 00:29:38.131
You could be right on the threshold of qualifying for, for a dollar bonus or a trip trip

00:29:38.351 --> 00:29:39.530
Disney little world.

00:29:39.990 --> 00:29:46.891
But if that's not, if that proposal's not in the best interest of the customer, you know, now you're getting into the, the misalignment.

00:29:47.000 --> 00:29:47.290
Yeah.

00:29:47.290 --> 00:29:56.050
And so, um, part of me desires to only accept direct pay from my customers in practice.

00:29:56.510 --> 00:29:59.971
That's very, very difficult, especially at a small agency like I am.

00:29:59.990 --> 00:30:00.211
Mm.

00:30:00.211 --> 00:30:00.611
Mm-hmm.

00:30:01.010 --> 00:30:02.810
I don't have the volume to.

00:30:03.756 --> 00:30:06.375
To dictate to the insurance company Yeah.

00:30:06.375 --> 00:30:07.296
What the terms gonna be.

00:30:07.465 --> 00:30:07.816
Right.

00:30:07.996 --> 00:30:11.695
And so again, my preference would be for a customer to just pay me direct.

00:30:11.695 --> 00:30:19.855
And, and gen, I should preface this by saying this is, this is related to employee benefit compensation, uh, individual and Medicare, a lot of that is just cookie cutter.

00:30:19.855 --> 00:30:20.135
Right?

00:30:20.135 --> 00:30:20.256
Right.

00:30:20.316 --> 00:30:21.895
Um, and it's generally the same.

00:30:22.046 --> 00:30:22.336
It's

00:30:22.336 --> 00:30:25.536
more production work on the Medicare side especially, you gotta know your shit, but it's

00:30:25.596 --> 00:30:25.816
Yep.

00:30:26.276 --> 00:30:27.056
Here's the options.

00:30:27.056 --> 00:30:27.336
Yeah.

00:30:27.336 --> 00:30:27.576
But on

00:30:28.096 --> 00:30:31.175
employee benefits, I would prefer the customer to pay me directly.

00:30:31.415 --> 00:30:31.496
Hmm.

00:30:31.715 --> 00:30:37.536
Um, so they pay me per month and then they know that I don't have any other, you know, actors in the rooming influencing us.

00:30:37.685 --> 00:30:37.976
Yeah.

00:30:38.316 --> 00:30:44.215
Um, but again, I, oh, and then whether have customers, whoever you're placing it with, I just reduce the commission to zero.

00:30:44.276 --> 00:30:45.056
So I get nothing.

00:30:45.296 --> 00:30:48.536
I, again, in my perfect scenario, I would get nothing from the insurance company.

00:30:48.895 --> 00:30:49.056
Interesting.

00:30:49.316 --> 00:30:51.855
And I'd actually be paid by my client directly.

00:30:51.915 --> 00:30:59.615
Now Uhhuh, um, you know, you use the example of like a lawyer, I would never allow my.

00:31:00.221 --> 00:31:02.320
My legal opposition to pay for my attorney.

00:31:02.961 --> 00:31:03.441
Right, right.

00:31:03.441 --> 00:31:04.240
But that's effectively

00:31:04.240 --> 00:31:12.361
what's happening when I allow the insurance company to pay, or, or I should say it this way, my client allows the insurance company to pay me for their service.

00:31:12.691 --> 00:31:13.040
Right.

00:31:13.310 --> 00:31:15.121
It's, it's, it's a financial misalignment.

00:31:15.181 --> 00:31:15.800
And so, yeah.

00:31:15.800 --> 00:31:16.161
Yeah, yeah.

00:31:16.520 --> 00:31:21.681
I can't entirely get out of the system, you know, part of it's just baked into to the industry.

00:31:21.740 --> 00:31:21.961
Yep.

00:31:22.181 --> 00:31:39.280
Um, but, but it's fascinating where, you know, you start asking this question, what are the financial incentives for any part of your life, whether it's banking or healthcare, or insurance or, or, you know, your youth sports or it's just the financial alignment generally drives the outcomes.

00:31:39.740 --> 00:31:44.601
So you're really, uh, kind of trying to operate the advisory Correct.

00:31:44.601 --> 00:31:49.280
Element is really the heart of your, of your personal ethic, if you will, and mm-hmm.

00:31:49.471 --> 00:31:58.480
However you're making your money, what you're paying me for is my learning about your situation and my advisory around what you should do, given your situation.

00:31:59.695 --> 00:32:00.185
Correct.

00:32:00.326 --> 00:32:01.586
And, and the market dynamics.

00:32:01.605 --> 00:32:01.826
Yep.

00:32:01.826 --> 00:32:02.105
Right?

00:32:02.165 --> 00:32:03.986
And, and what's available, what are the options?

00:32:03.986 --> 00:32:04.185
All

00:32:04.185 --> 00:32:04.346
that.

00:32:04.566 --> 00:32:10.986
And even if I can't control my compensation for, let's just say we're in a situation like a Medicare customer.

00:32:11.016 --> 00:32:11.306
Sure.

00:32:11.346 --> 00:32:12.746
I have no authority over that.

00:32:13.526 --> 00:32:20.625
Um, at a minimum I must disclose to the customer saying, Hey, just so you know, like, you know, this is why I recommend this.

00:32:20.625 --> 00:32:23.665
This is why I recommend that at some point during the conversation.

00:32:24.780 --> 00:32:26.601
Um, it, it should be disclosed.

00:32:26.840 --> 00:32:28.681
I will make X dollars for this arrangement.

00:32:28.681 --> 00:32:28.840
Yeah.

00:32:28.881 --> 00:32:30.480
I don't make X dollars for that arrangement.

00:32:30.980 --> 00:32:32.161
And then it's like, okay, wow.

00:32:32.161 --> 00:32:35.921
You're actually advocating for the, the option where you'll make less money.

00:32:35.921 --> 00:32:36.201
Yeah.

00:32:36.201 --> 00:32:37.800
Or, oh, okay, I see.

00:32:37.980 --> 00:32:43.201
Um, you'll actually make more money this way, but here's why it's justified and here here's the substantiation for it.

00:32:43.621 --> 00:32:47.601
But, um, oftentimes compensation's never discussed.

00:32:47.621 --> 00:32:50.361
And, and that's what kind of gives our industry a bad rap.

00:32:50.421 --> 00:32:51.441
And, um, yeah.

00:32:51.441 --> 00:32:52.000
It's interesting.

00:32:52.221 --> 00:32:56.840
One of the, I was just reflecting on the, the three thumbs up at Loco.

00:32:56.990 --> 00:32:57.280
Okay.

00:32:57.621 --> 00:32:59.961
Or you probably, you're familiar, but it's been a while.

00:32:59.961 --> 00:33:01.520
How long have you been a member at Loco?

00:33:01.711 --> 00:33:02.000
Yeah.

00:33:02.161 --> 00:33:05.681
Joined, uh, I don't know exactly when.

00:33:05.721 --> 00:33:10.560
I think around the first part of 2024.

00:33:11.300 --> 00:33:16.641
Um, I know summer last year I did my first presentation, and then I have my second presentation, uh, in August.

00:33:16.641 --> 00:33:16.921
Okay.

00:33:16.921 --> 00:33:17.121
All right.

00:33:17.800 --> 00:33:19.861
Uh, with my chapter, uh, great.

00:33:19.980 --> 00:33:44.421
I mean, I'll just give you your organization a little plug, but, uh, being self-employed, having no staff, it's vital for me to be in community with other, other people, and especially people that are like-minded in the sense they're, you know, other small business owners, uh, similar revenue, similar employee counts, you know, some of the, the members within our group have, uh, one or two employees, but generally they're independent practitioners.

00:33:44.480 --> 00:33:49.221
And, um, us getting together once a month is just tremendously valuable.

00:33:49.361 --> 00:33:52.141
One, for, for just the, the human comradery element.

00:33:52.141 --> 00:33:52.381
Sure.

00:33:52.381 --> 00:33:58.701
But then also there's some very smart business people that have for sure, uh, given me a lot of good insight and, uh, well, and

00:33:58.701 --> 00:33:59.300
you're one of'em too.

00:33:59.330 --> 00:34:02.421
Like even before you were in business for yourself, it was obvious that you.

00:34:03.671 --> 00:34:06.621
We're cut from the right kind of cloth to be a local member someday.

00:34:06.621 --> 00:34:06.941
Thanks.

00:34:07.240 --> 00:34:15.501
Um, but anyway, the third thumbs up, uh, is really because of that same inherent conflict of interest, you know, with with local think tank.

00:34:15.920 --> 00:34:18.900
You know, if you join local think tank, I will make more money.

00:34:19.530 --> 00:34:19.820
Yeah.

00:34:19.820 --> 00:34:23.260
You know, I have a little bit more revenue on every new customer that joins.

00:34:23.320 --> 00:34:25.260
And, and the same thing for the facilitator.

00:34:25.800 --> 00:34:29.820
You know, they're, they're a contractor and they get paid based on how many members they have as well.

00:34:29.840 --> 00:34:32.981
So both of us have, well, we might wanna do the right thing.

00:34:32.981 --> 00:34:34.860
We also have an inherent conflict of interest.

00:34:35.380 --> 00:34:38.340
I might look at you through rose colored glasses because Yeah.

00:34:38.561 --> 00:34:40.621
Um, we're gonna make more money.

00:34:40.681 --> 00:34:41.740
So, well, Moses, right?

00:34:41.971 --> 00:34:42.260
Yeah.

00:34:42.601 --> 00:34:49.900
But, um, giving the chapter that third thumbs up, so basically a, a veto from anybody that's already a member Yeah.

00:34:50.081 --> 00:34:55.860
Is what kind of purifies that notion of, hey, if this person would add value to the chapter, you could have him.

00:34:56.050 --> 00:34:56.340
Yeah.

00:34:56.340 --> 00:34:56.940
We think he would.

00:34:57.956 --> 00:35:03.496
We think, we think, but we've also recognized that we've got a conflict here, and so that's why we're giving you the last vote.

00:35:03.876 --> 00:35:04.735
So I didn't know that.

00:35:04.846 --> 00:35:05.135
Yeah.

00:35:05.235 --> 00:35:06.735
Um, that's, that's good to know.

00:35:07.175 --> 00:35:22.815
Um, I know we're considering another member here, uh, soon for our chapter, but, um, it, it, it's powerful and I just think transparency is so important and, and, um, I dunno, that's how you build trust, you know?

00:35:22.815 --> 00:35:23.096
Yeah.

00:35:23.096 --> 00:35:24.815
People wanna say integrity, authenticity.

00:35:25.246 --> 00:35:26.576
Well, I think we all have integrity.

00:35:27.166 --> 00:35:28.695
It's, you know, we are who we are.

00:35:28.695 --> 00:35:31.775
Integrity, you know, integer, whole number, wholeness.

00:35:32.076 --> 00:35:36.576
Um, you know, it's, it's impossible for someone to be incongruent with themselves.

00:35:36.675 --> 00:35:45.936
You know, if they're, if they're gonna cheat at, at, you know, the ping pong tournament or whatever, they're probably more willing to cheat in other areas of their life too.

00:35:45.936 --> 00:35:46.056
Yeah.

00:35:46.255 --> 00:35:46.376
Interesting.

00:35:46.876 --> 00:35:51.376
Um, and so it's just, I mean, we, we have to hold ourselves to high standards and.

00:35:52.550 --> 00:35:57.251
Um, I had another comment about the group, but it's, I'm sorry, I derailed you.

00:35:57.251 --> 00:35:57.490
Yeah.

00:35:57.490 --> 00:35:58.050
It's escaping me.

00:35:58.050 --> 00:35:58.530
But who's

00:35:58.530 --> 00:36:00.690
your favorite, uh, fellow member of that group so far?

00:36:00.960 --> 00:36:01.251
Yeah.

00:36:01.610 --> 00:36:02.891
Favorite's a bad word.

00:36:04.110 --> 00:36:09.570
Um, it, it just, somebody whose business seems similar to yours that you've learned a lot from or with,

00:36:10.070 --> 00:36:13.610
uh, I actually learned more from non-insurance folks.

00:36:13.911 --> 00:36:17.371
Uh, I mean, we do have another insurance person in the group and, and she's tremendous.

00:36:17.391 --> 00:36:22.530
But, uh, I just think that our industry seems to be so antiquated.

00:36:22.530 --> 00:36:24.610
Even when I started, I'm, I'm only 35 years old.

00:36:24.690 --> 00:36:27.050
I started in, uh, 2012.

00:36:27.231 --> 00:36:27.451
Wow.

00:36:28.030 --> 00:36:29.251
And our industry still.

00:36:30.621 --> 00:36:36.981
I mean, not so much today, but, but 10, 12, whatever it was years ago, 13 years ago, we were still sending faxes.

00:36:37.130 --> 00:36:45.501
Like I literally was in the copy room and, uh, the, the copy machine had this word on it and it was facsimile.

00:36:46.081 --> 00:36:53.340
And I just completely, you know, honestly asked one of the, the ladies there, I was like, what in the heck is this word?

00:36:53.340 --> 00:36:54.820
This, I didn't even know how to say it.

00:36:54.871 --> 00:36:55.221
Right.

00:36:55.521 --> 00:36:57.701
And they're like, oh, it's, that's just means facts.

00:36:57.710 --> 00:36:58.061
Facts.

00:36:58.481 --> 00:37:01.701
I'm like, oh, I like never even had heard the word facts similar.

00:37:02.041 --> 00:37:04.101
And it's not like I'm a, and people too young, 22

00:37:04.101 --> 00:37:06.981
year olds today are like, oh, what's a fax?

00:37:07.300 --> 00:37:07.661
I don't have

00:37:07.740 --> 00:37:08.260
a fax number.

00:37:08.291 --> 00:37:08.820
Yeah, I don't.

00:37:08.820 --> 00:37:12.581
And, and if a insurance company requires me to fax them something.

00:37:13.356 --> 00:37:16.445
It's a pretty clear indicator that I, I'm not gonna continue to work with them.

00:37:16.726 --> 00:37:16.846
Right.

00:37:16.905 --> 00:37:20.206
Um, it's just not, not part of our, our day-to-day business.

00:37:20.306 --> 00:37:21.565
So, um, has there

00:37:21.565 --> 00:37:33.166
been anything specific to your, your systems or process, um, that was either gleaned or reaffirmed from a chapter meeting along the way that comes to mind?

00:37:33.635 --> 00:37:37.246
Yeah, so again, our, our industry's somewhat antiquated, um, right.

00:37:37.545 --> 00:37:39.606
You know, even like building Yeah.

00:37:39.606 --> 00:37:44.045
Like sales CRMs or client, you know, databases, management systems, whatever you wanna call'em.

00:37:44.585 --> 00:37:58.565
Uh, they're not commonplace on our industry and even within our industry, you know, that cut these big brokerages might use Salesforce, but getting the, the agents and the the employees to actually use them, take any notes or anything is tough.

00:37:58.585 --> 00:38:03.565
And so that's one thing that I've now been challenged by, by the other members, as in.

00:38:04.411 --> 00:38:06.190
As well as effectively implemented.

00:38:06.650 --> 00:38:16.351
And the reason I've been able to, to make it this far with no support staff is, is the technology and the systems and the automations that are built in, um, to, to what else you've got

00:38:16.510 --> 00:38:19.351
reminders that, Hey, it's time to send this person or let's get together.

00:38:19.490 --> 00:38:19.831
Not even,

00:38:20.070 --> 00:38:29.871
I sometimes, I certainly have reminders and, and based upon like renewal intervals and whatnot, but some of it, it'll automatically send emails and signups and different things.

00:38:29.871 --> 00:38:30.590
Hey, yeah.

00:38:30.981 --> 00:38:35.951
Time for our check-in meeting again, and, and you just allows, booked, allows

00:38:35.951 --> 00:38:37.231
the customers to input all the data.

00:38:37.231 --> 00:38:41.791
Like I, I, I need the prescription and providers and nice, uh, different signed forms.

00:38:42.130 --> 00:38:46.871
Um, most of that will or can happen annually, um, without me doing anything.

00:38:47.251 --> 00:38:47.471
Wow.

00:38:47.851 --> 00:38:48.751
Oh, that's super

00:38:48.751 --> 00:38:48.951
cool.

00:38:49.041 --> 00:38:50.751
Which is, which is great.

00:38:50.751 --> 00:38:52.271
And then well, and that would like AI as a whole.

00:38:52.271 --> 00:38:54.791
Well, and that would be great if you add, as you add team members in the future too.

00:38:55.150 --> 00:38:55.510
'cause they're like.

00:38:56.231 --> 00:39:00.050
Oh, I can carry X number of customers now.

00:39:00.050 --> 00:39:00.451
Exactly.

00:39:00.451 --> 00:39:07.251
Because my systems are so much better and therefore I can, you know, make more money by working less hard potentially.

00:39:07.320 --> 00:39:07.811
Exactly.

00:39:08.030 --> 00:39:08.570
Or whatever.

00:39:08.831 --> 00:39:10.811
But even, even the entry level people or have time for kids,

00:39:10.911 --> 00:39:12.771
nobody likes being just a robot.

00:39:14.291 --> 00:39:16.690
Computers should do computer work and humans should do human work.

00:39:17.070 --> 00:39:17.291
Yes.

00:39:17.630 --> 00:39:25.731
Um, I want the humans that I have, I want them to be either in person or on the phone with the customers or the pro prospective customers as much as possible.

00:39:25.911 --> 00:39:27.811
You know, we will automate the, the tedious stuff.

00:39:27.951 --> 00:39:33.851
And, um, but even getting into ai, like that's an ethical question I have is how do I effectively leverage ai?

00:39:34.231 --> 00:39:45.811
You know, I, I think we all can, can see the, the benefit to our companies and society through AI and just the massive access to information, um, that exists.

00:39:46.431 --> 00:39:49.291
Uh, but we also, I think it's pretty easy to see some

00:39:49.291 --> 00:39:49.570
of the.

00:39:49.990 --> 00:39:53.760
There's already some data, like, uh, you know, people that use AI for everything.

00:39:53.780 --> 00:39:54.201
Mm-hmm.

00:39:54.380 --> 00:39:55.320
Forget how to think.

00:39:55.541 --> 00:39:55.760
Yep.

00:39:55.760 --> 00:39:56.440
Pretty soon.

00:39:56.661 --> 00:39:56.960
You know,

00:39:57.380 --> 00:40:02.880
and so then, you know, there's getting into like, like the, the audible ai, you know Right.

00:40:02.931 --> 00:40:04.681
Phone bots and different things like that, right?

00:40:04.681 --> 00:40:04.920
Mm-hmm.

00:40:05.581 --> 00:40:09.481
And so, you know, how do I leverage it?

00:40:09.521 --> 00:40:13.041
I, I'm, I'm, I'm doing work with ai.

00:40:13.280 --> 00:40:25.001
I won't get too far into the details on it, but just as a business owner, if I can pay an AI agent 500 bucks a month, you know, maybe a$10,000 investment, then a$500 per month fee, right?

00:40:25.001 --> 00:40:25.400
You can't

00:40:25.400 --> 00:40:26.320
hire somebody for that.

00:40:26.490 --> 00:40:26.840
Right.

00:40:27.380 --> 00:40:29.360
And, and it's very good at data.

00:40:29.860 --> 00:40:36.400
Um, it's even good at like interpersonal, like, like emotional response and then whatnot, which is getting kind of wild, but

00:40:37.001 --> 00:40:37.201
interesting.

00:40:37.380 --> 00:40:38.201
Um, but then what.

00:40:39.096 --> 00:40:41.746
What is my responsibility to my customers?

00:40:41.885 --> 00:40:47.865
And we've all probably also been frustrated interacting with some, even if it's the simple, rudimentary like telephone tree.

00:40:47.865 --> 00:40:48.065
Sure.

00:40:48.065 --> 00:40:49.346
Press one for this, two for that.

00:40:49.925 --> 00:41:00.706
But even talking to like an an, an adjunctive ai, uh, it can be frustrating if, if they kind of get held up now it's rapidly progressing where that's becoming less of an issue.

00:41:00.706 --> 00:41:04.306
And I'm sure we've had phone calls with like AI agents, you probably get a lot of phone calls.

00:41:04.315 --> 00:41:04.666
Right?

00:41:04.766 --> 00:41:05.385
Is that a big

00:41:05.385 --> 00:41:06.626
part of how people contact you?

00:41:07.206 --> 00:41:10.905
Uh, each business segment's different.

00:41:10.905 --> 00:41:15.106
The individuals, uh, tend to call, especially the Medicare customers are older.

00:41:15.206 --> 00:41:15.425
Yep.

00:41:15.445 --> 00:41:19.346
You know, some of them don't even have emails, which is always mind blowing.

00:41:20.085 --> 00:41:24.266
Um, but the, the corporate customers is largely email.

00:41:24.416 --> 00:41:24.706
Sure.

00:41:24.925 --> 00:41:27.666
Um, and then in person mm-hmm.

00:41:27.666 --> 00:41:27.945
Send

00:41:28.266 --> 00:41:29.706
proposal or whatever, that kind of stuff.

00:41:30.385 --> 00:41:30.545
Interesting.

00:41:30.905 --> 00:41:32.985
I was just thinking that you could have almost a telephone tree.

00:41:33.865 --> 00:41:36.056
Where it's like, you know, to connect with mm-hmm.

00:41:36.556 --> 00:41:42.255
One of our agents press one for an easy walkthrough AI agent.

00:41:42.255 --> 00:41:42.496
Yeah.

00:41:42.496 --> 00:41:43.016
Press two.

00:41:43.516 --> 00:41:48.096
You know,'cause people might self-select even the efficient AI agent.

00:41:48.096 --> 00:41:48.335
Yeah.

00:41:48.335 --> 00:41:48.815
Or many cases.

00:41:48.956 --> 00:41:50.016
That's probably option one.

00:41:50.045 --> 00:41:50.335
Well,

00:41:50.335 --> 00:41:51.576
the younger generation will.

00:41:51.706 --> 00:41:52.056
Right.

00:41:52.056 --> 00:41:54.576
And that's where I want to serve people, where they want to be served.

00:41:54.635 --> 00:41:55.295
And so, right.

00:41:55.396 --> 00:42:03.335
If that's a in-person meeting for, you know, one person and a email for another person in a phone call for a third person, you know, I wanna meet people where they're at.

00:42:03.335 --> 00:42:03.576
Yeah.

00:42:03.576 --> 00:42:04.695
While being efficient.

00:42:04.695 --> 00:42:05.335
You, I think

00:42:05.335 --> 00:42:09.655
you should get a, a, like a ai like of you an avatar.

00:42:09.686 --> 00:42:09.976
Yeah.

00:42:09.976 --> 00:42:14.175
An avatar that looks like read, but maybe just a little more accentuated features and stuff.

00:42:15.085 --> 00:42:29.505
My, uh, friends, I don't know who listens to this, but, uh, many friends would probably laugh because many of my profile pictures on, whether it's social media or like email, little logos, uh, is a little like, animated, uh, picture is myself.

00:42:29.505 --> 00:42:32.545
Is that it's not, it's not, it's not, I shouldn't say gra animated.

00:42:32.545 --> 00:42:36.106
It's a, uh, like a cartoon, A cartoon up kinda character shirt deal.

00:42:36.106 --> 00:42:36.985
Yeah, yeah, yeah.

00:42:36.985 --> 00:42:40.585
Which I did that because I was like, oh, I don't want my face everywhere.

00:42:40.606 --> 00:42:43.266
And, you know, then they'll steal my face and do deep fakes.

00:42:43.286 --> 00:42:48.585
And then I, you know, have since kind of realized like, there's so many pictures of us all out there anyways, like Right.

00:42:48.956 --> 00:42:50.025
We're all compromised.

00:42:50.606 --> 00:42:51.425
Um, I've got

00:42:51.425 --> 00:42:52.346
it right in my podcast.

00:42:52.846 --> 00:42:53.945
Uh, stickers.

00:42:54.085 --> 00:42:54.306
Yep.

00:42:54.485 --> 00:42:55.465
My face right on there.

00:42:55.465 --> 00:42:55.626
Yep.

00:42:55.626 --> 00:42:58.425
So, um, what was I gonna ask?

00:42:58.666 --> 00:43:00.306
I remember, and then I spaced it.

00:43:00.306 --> 00:43:03.306
That's why I should have my notebook, which I left at home for the audience disclaimer.

00:43:03.766 --> 00:43:04.826
Um, oh.

00:43:04.826 --> 00:43:12.266
But yeah, I think, you know, having a, uh, a, a, a personality, a Reed, Reed Junior, you could just call them mm-hmm.

00:43:12.775 --> 00:43:13.746
Kind of, and uh.

00:43:14.581 --> 00:43:16.150
It's another for Zoom meetings and stuff.

00:43:16.150 --> 00:43:16.311
Right.

00:43:16.420 --> 00:43:18.550
It's another thing I'm considering you say Reed Junior.

00:43:18.851 --> 00:43:28.101
Uh, I, I would love to train, you know, a a young person in their career and, and help them be, you know, wildly successful.

00:43:28.101 --> 00:43:39.701
Whether it's a, an intern arrangement from, from one of the universities, whether it's CSU or UNC or uh, or if it's someone, you know, new in their career, uh, I would love to develop kind of that person.

00:43:39.920 --> 00:43:40.501
Uh mm-hmm.

00:43:40.800 --> 00:43:42.621
You know, I don't know what my exit plan is.

00:43:42.621 --> 00:43:44.820
You know that some of the business, you're only

00:43:44.820 --> 00:43:45.181
35,

00:43:45.440 --> 00:43:45.860
by the way.

00:43:45.860 --> 00:43:46.300
I can't believe

00:43:46.300 --> 00:43:46.981
you're only 35.

00:43:47.050 --> 00:43:47.340
Yeah.

00:43:47.561 --> 00:43:51.340
Uh, so what, we must have met like 2015 or something.

00:43:51.451 --> 00:43:51.740
Yeah.

00:43:51.971 --> 00:43:52.981
When you had long hair.

00:43:53.601 --> 00:43:54.460
Oh, so it was even soon.

00:43:54.661 --> 00:43:55.820
I was still banking when we met.

00:43:55.820 --> 00:43:56.061
Mm-hmm.

00:43:56.240 --> 00:43:57.780
So that would've been like, yeah.

00:43:57.780 --> 00:43:59.420
2013 or something like that.

00:43:59.420 --> 00:43:59.621
Yeah.

00:43:59.621 --> 00:44:00.380
It, you were,

00:44:00.460 --> 00:44:05.900
I, I don't remember the details, but you're one of the first like professional people I remember connecting with.

00:44:06.670 --> 00:44:07.170
Is that right?

00:44:07.170 --> 00:44:07.570
Mm-hmm.

00:44:07.831 --> 00:44:11.010
Um, damn, you were, you made a good impression for a young man at that time.

00:44:11.090 --> 00:44:13.650
I can't believe you were only like 22 at the time or something.

00:44:13.760 --> 00:44:14.050
Yeah.

00:44:14.460 --> 00:44:15.210
Thank, thank you.

00:44:15.451 --> 00:44:18.811
I, your primary characteristic was, I barely matured was your long hair.

00:44:19.041 --> 00:44:19.331
Yeah.

00:44:19.331 --> 00:44:19.690
Thank you.

00:44:20.931 --> 00:44:23.931
I, I am losing hair on one side, which I'm just one side.

00:44:25.101 --> 00:44:28.891
Again, my perfectionism would prefer my loss of hair to be symmetrical.

00:44:29.130 --> 00:44:29.411
Right.

00:44:29.411 --> 00:44:30.371
If I'm gonna lose hair,

00:44:30.431 --> 00:44:32.851
at least be, uh, even, but whatever.

00:44:33.331 --> 00:44:33.451
Interesting.

00:44:33.471 --> 00:44:34.610
So yeah, that was, we're all human.

00:44:34.681 --> 00:44:39.090
That was during the season when I was the interim president probably of Capital West Bank.

00:44:39.400 --> 00:44:39.690
Yeah.

00:44:39.990 --> 00:44:42.971
And, uh, I had just joined the Rotary Club and they had.

00:44:44.085 --> 00:44:48.226
Um, they had had a Locks of Love program not too many months before.

00:44:48.295 --> 00:44:48.585
Yeah.

00:44:48.846 --> 00:44:59.385
And I was already pretty shaggy, but there was like five or so fellow Rotarians that were growing their hair out to try to donate it to Locks of Love, including Charlie Peterson, one of my favorites ever.

00:45:00.045 --> 00:45:04.065
And so, yeah, I basically was on a haircut strike until they found me a new boss.

00:45:04.335 --> 00:45:04.626
Yeah.

00:45:04.925 --> 00:45:05.545
Uh, and

00:45:05.545 --> 00:45:08.905
then you quit slash Yeah, I left not too long later.

00:45:09.056 --> 00:45:09.346
Yeah,

00:45:09.346 --> 00:45:09.666
exactly.

00:45:09.806 --> 00:45:10.505
Uh, was he gonna

00:45:10.505 --> 00:45:12.186
say got fired, but I don't think you got fired.

00:45:12.485 --> 00:45:22.306
Um, I was put on probation for meeting with, uh, real estate owners about a potential, uh, restaurant space on company time.

00:45:23.246 --> 00:45:24.666
Um, but that was, we'll,

00:45:24.666 --> 00:45:26.025
we'll chalk it up to cutting your hair.

00:45:26.025 --> 00:45:26.266
Yeah.

00:45:26.266 --> 00:45:27.306
Then I re then I resigned.

00:45:27.695 --> 00:45:28.666
Gave him 90 days notice.

00:45:28.726 --> 00:45:29.545
It was, it was fine.

00:45:29.865 --> 00:45:29.985
Whatever.

00:45:30.135 --> 00:45:30.425
Yeah.

00:45:30.695 --> 00:45:30.985
Life,

00:45:31.295 --> 00:45:32.306
life comes at you quick.

00:45:32.485 --> 00:45:33.346
So what do they say?

00:45:33.346 --> 00:45:34.666
Days are long, years are short.

00:45:35.016 --> 00:45:39.465
Tell me what the, like having doubled the business already, you're probably.

00:45:40.286 --> 00:45:50.331
You're not up to your former income levels, but at the end of next year you might be or something like, how's that experience of doing everything for yourself compared to working in a big firm?

00:45:50.481 --> 00:45:50.771
Yeah.

00:45:50.891 --> 00:45:53.371
I, I've actually surpassed old income levels.

00:45:53.371 --> 00:45:53.610
Really.

00:45:53.831 --> 00:45:54.811
Congratulations.

00:45:55.190 --> 00:45:59.971
You know, the old commission structure, 25% that always take quite a bit of the, yeah.

00:45:59.971 --> 00:46:03.130
25% on, on uh, you know, renewal business.

00:46:03.190 --> 00:46:05.490
And, um, it's, I mean, it's a good industry.

00:46:05.490 --> 00:46:10.010
It's, it's very profitable, but I think the standard is just very low within the industry.

00:46:10.201 --> 00:46:10.490
Yeah.

00:46:10.490 --> 00:46:14.971
And, uh, I think a lot of our industry is filled with people that have, have, um.

00:46:16.010 --> 00:46:21.951
You know, tried other, other careers and for whatever reason, fallen into insurance and then made, you know, pretty good money.

00:46:22.010 --> 00:46:24.751
But I, you know, nobody grows up wanting to be an insurance broker.

00:46:24.851 --> 00:46:30.990
And so, uh, having kind of my, my dad get me into it when I was younger and, and everything definitely gave me a leg up.

00:46:30.990 --> 00:46:40.311
And, uh, you know, I, I don't think I ever wanted to be an insurance, but it exposed me to an industry that there is tremendous need and, and tremendous opportunity again, to, to do good.

00:46:40.650 --> 00:46:52.431
And, you know, when, when people come with the problem, whether it's a business or an individual, and basically it's like, Hey, I, I, I need to lower my costs and, you know, I need to still have good coverage, but this is getting outta hand.

00:46:52.610 --> 00:46:53.231
Can you help?

00:46:54.340 --> 00:46:56.630
Certainly we can never guarantee results.

00:46:56.940 --> 00:46:57.231
Sure.

00:46:57.251 --> 00:47:01.911
Uh, but there, there is enough strategies within each bucket where we usually.

00:47:02.880 --> 00:47:06.121
I usually leave, you know, the customer's pretty satisfied.

00:47:06.181 --> 00:47:17.960
Now, one thing, uh, that I'm, I'm just personally proud of, and, and part of the, the encouragement of the the think tank group is I'm up to between 80 and 90, uh, reviews and Oh, wow.

00:47:18.141 --> 00:47:23.201
I'm already one of the highest reviewed, uh, company insurance brokerages in the area.

00:47:23.201 --> 00:47:25.041
You're two years in, and I'm two years in.

00:47:25.041 --> 00:47:27.240
And, and that's been intentional and, and all that.

00:47:27.260 --> 00:47:36.440
But, um, you know, having exclusively five star reviews, it just, it, you know, I, I'm not doing this, you know?

00:47:36.661 --> 00:47:41.681
Yes, I need to make money and yes, I wanna support my family and all this, but ultimately I wanna do good.

00:47:41.940 --> 00:47:46.081
And it just, it's something that's really, really touched me.

00:47:46.081 --> 00:47:53.001
Some of the things people say, because you know, first to leave a review, you have to have some level of, of intentionality.

00:47:53.150 --> 00:47:53.440
Sure.

00:47:53.860 --> 00:47:57.360
But then it's easy to just click one of the stars and be done.

00:47:57.411 --> 00:47:57.760
Right.

00:47:58.141 --> 00:48:01.481
Uh, so many of the people actually leave a little comment.

00:48:02.271 --> 00:48:10.811
And I've just been shocked because when I go back and read them, uh, I can actually think of like a moment that the person's referring to of mm-hmm.

00:48:10.951 --> 00:48:13.811
You know, something like, oh, Reid was so patient or kind, or whatever.

00:48:13.871 --> 00:48:18.811
And, and it, those are the things that oftentimes gets, gets complimented more than like a.

00:48:19.606 --> 00:48:20.706
You know, I'm sure that's on there.

00:48:20.706 --> 00:48:25.626
Oh, Reid knows so much or this and that, but, but that's less common than, than like how you make them feel.

00:48:25.775 --> 00:48:26.065
Yeah.

00:48:26.485 --> 00:48:31.666
And those things, they touch me because I mean, that's why I do what I do is to help people.

00:48:32.005 --> 00:48:32.226
Um,

00:48:32.425 --> 00:48:40.706
I, uh, I mentioned to you, I, I booked Kyle Speller is gonna be our, um, post breakfast speaker at the next level summit.

00:48:40.815 --> 00:48:42.545
He's new, new public announcement.

00:48:42.925 --> 00:48:43.146
Yes.

00:48:43.146 --> 00:48:45.106
Yeah, you heard it here, folks breaking news.

00:48:45.206 --> 00:48:49.786
And so Kyle and I had a, a 20 minute conversation earlier, probably 30 minutes even.

00:48:50.445 --> 00:48:55.826
And, uh, talked about the event and, and his background and stuff and his story.

00:48:56.246 --> 00:49:00.226
Uh, I'm sure he is told it a bunch of times and I'm not breaking any confidence'cause we just met.

00:49:00.246 --> 00:49:02.826
But he was doing a number of other things.

00:49:02.846 --> 00:49:07.626
He was a a FC, a fellowship of Christian athletes kind of person right outta school and stuff.

00:49:07.965 --> 00:49:11.865
But then he had his own kind of prison ministry where he would go around and play basketball in prisons.

00:49:11.885 --> 00:49:16.985
Him and a team of ball players would play up against the different prison teams.

00:49:17.485 --> 00:49:17.945
Um, and.

00:49:18.835 --> 00:49:20.976
On his kind of own, uh, volition.

00:49:21.115 --> 00:49:23.056
He became the announcer for those games.

00:49:23.916 --> 00:49:29.936
And, and kind of that act of seeing those men was really impactful to the ministry itself.

00:49:29.956 --> 00:49:34.615
You know, it wasn't just about the base basketball, but also they had a name, you know, and they're part of a team.

00:49:34.635 --> 00:49:35.056
Mm-hmm.

00:49:35.516 --> 00:49:49.416
Um, and that he did that for quite a few years before the Nuggets had an open audition for their new public announcer and like they got a thousand applicants and, and one finalist, which was him.

00:49:49.525 --> 00:49:49.815
Yeah.

00:49:49.996 --> 00:49:58.456
Uh,'cause he was already so, you know, experienced in doing that, but he did it all for free as a volunteer ministry for years before that.

00:49:58.686 --> 00:49:58.976
Yeah.

00:49:59.496 --> 00:50:00.376
I don't work for free.

00:50:00.885 --> 00:50:02.335
Well, no, believe it or not.

00:50:02.525 --> 00:50:02.815
Yeah.

00:50:02.815 --> 00:50:03.735
But I could, but people.

00:50:04.965 --> 00:50:08.585
He learned how to listen to people and have them be seen and heard.

00:50:09.266 --> 00:50:11.865
'cause every NBA player gets seen and heard, but Yeah.

00:50:12.126 --> 00:50:15.626
But he was helping it be for that kind of overlooked person for a lot of years before.

00:50:15.655 --> 00:50:15.945
Yeah.

00:50:16.615 --> 00:50:16.905
Yeah.

00:50:16.925 --> 00:50:19.226
The, and this gets, and so are you, well, frankly,

00:50:19.226 --> 00:50:26.706
like you'll do those big groups and stuff, but you'll meet with any onesie twosie that a lot of insurance agencies don't really want to even mess around with.

00:50:26.945 --> 00:50:27.626
'cause they take a lot of time.

00:50:27.655 --> 00:50:29.865
They don't make that much, you know?

00:50:30.295 --> 00:50:30.585
Yeah.

00:50:30.585 --> 00:50:36.706
I'll, I'll comment on that and then I'll also share that, that that's kind of the catalyst for what motivates me to, to volunteer.

00:50:37.485 --> 00:50:38.905
Um, but, but you're exactly right.

00:50:38.905 --> 00:50:49.505
Again, under old commission structure, one large agencies oftentimes will have commission minimums where they'll say, we're not paying commission on, on accounts below, you know, some threshold of revenue.

00:50:49.945 --> 00:50:50.025
Hmm.

00:50:50.485 --> 00:50:51.266
And so there, there's.

00:50:51.905 --> 00:50:54.775
Again, financial disincentive for people to serve them.

00:50:54.826 --> 00:50:55.175
Right.

00:50:55.235 --> 00:50:57.936
And, and, you know, none of us can work for free.

00:50:57.936 --> 00:51:07.976
Certainly, I'm, I'm willing to be charitable both with my time and my, you know, time, treasure talent is something I'll reference here in a minute, but, um, but, but I can't give all my time away.

00:51:07.976 --> 00:51:08.295
Right.

00:51:08.356 --> 00:51:10.215
All my treasure house payment needs

00:51:10.215 --> 00:51:10.536
to get made.

00:51:10.536 --> 00:51:10.815
Yeah.

00:51:10.996 --> 00:51:11.255
You know?

00:51:11.635 --> 00:51:13.376
And so kids are gonna wanna go to college someday.

00:51:13.686 --> 00:51:13.976
Yeah.

00:51:13.976 --> 00:51:14.695
That, that's right.

00:51:14.835 --> 00:51:16.135
And so, uh.

00:51:16.735 --> 00:51:20.795
Uh, one of the things I do outside of work, uh, you know, my family's tremendous.

00:51:20.876 --> 00:51:24.996
I, I love them and, and try to, again, getting into wanting to be self-employed.

00:51:25.666 --> 00:51:30.195
Another primary factor was having complete autonomy and authority over my time.

00:51:30.396 --> 00:51:30.476
Hmm.

00:51:30.496 --> 00:51:37.396
You know, I could work more and make more money, but if that's at the sacrifice of time with my family, I, I'm not interested in it now.

00:51:37.396 --> 00:51:37.556
Yeah.

00:51:37.556 --> 00:51:37.755
Yeah.

00:51:38.016 --> 00:51:39.315
Are there always exceptions?

00:51:39.315 --> 00:51:39.635
Of course.

00:51:39.666 --> 00:51:44.396
Like some days I'll have to work late, you know, especially, you know, we have a cyclical, busy season.

00:51:44.396 --> 00:51:44.596
Yeah.

00:51:44.596 --> 00:51:45.195
Your Medicare season

00:51:45.195 --> 00:51:46.076
is November e right?

00:51:46.146 --> 00:51:46.635
Kind of thing?

00:51:46.916 --> 00:51:47.715
November, December or something?

00:51:47.715 --> 00:51:47.876
Yeah,

00:51:47.876 --> 00:51:49.315
October 15th to December 7th.

00:51:49.456 --> 00:51:50.755
But that's like your tax season.

00:51:51.016 --> 00:51:51.235
Yep.

00:51:51.255 --> 00:51:59.916
But the rest of the year I try to be done between, you know, 3, 3 34 o'clock, you know, four o'clock's, kind of my like personal hard stop most of the time and.

00:52:00.630 --> 00:52:03.090
Um, and that, that matters again, to prioritize time.

00:52:03.090 --> 00:52:06.090
We have two little boys and, and I want, uh, make the most of that.

00:52:06.090 --> 00:52:06.371
How old are they?

00:52:06.431 --> 00:52:07.170
Uh, three in one.

00:52:07.440 --> 00:52:07.731
Okay.

00:52:08.121 --> 00:52:08.411
Yeah.

00:52:08.431 --> 00:52:18.570
So they're, and, and we're hopeful for another one, but, uh, especially these first years, you know, maybe when they're teenagers, they're, they're driving around and, you know, I can work late, but they're like, dad, I don't need to be around anymore.

00:52:18.601 --> 00:52:18.891
Yeah.

00:52:18.911 --> 00:52:24.210
But right now, I, I still, uh, they still think fondly of they will for a long time.

00:52:24.391 --> 00:52:29.050
But getting into volunteer work, so currently I serve as the president of Northern Colorado, United for Youth.

00:52:29.351 --> 00:52:30.451
Oh, you're the president of the board now?

00:52:30.550 --> 00:52:30.771
No.

00:52:30.840 --> 00:52:31.291
Coun Unified.

00:52:31.291 --> 00:52:31.451
Yep.

00:52:31.451 --> 00:52:31.731
Yeah.

00:52:31.800 --> 00:52:32.090
Okay.

00:52:32.311 --> 00:52:40.010
Uh, that was an organization I joined, uh, right outta college and, and the beginning of my professional career, I was just aging out at that time that it was kind coming together.

00:52:40.010 --> 00:52:40.251
Yeah.

00:52:40.251 --> 00:52:42.170
So I was like, I only got a couple years left before

00:52:42.271 --> 00:52:42.731
I'm 40.

00:52:43.320 --> 00:52:43.610
Yeah.

00:52:43.610 --> 00:52:44.971
And so it's, it's a great group.

00:52:44.990 --> 00:52:48.771
For those that don't know, we're the ones that throw, uh, the Kentucky Derby party in May.

00:52:48.771 --> 00:52:52.050
We have a golf tournament, and then the Suitcase Party's kind of our marquee event.

00:52:52.050 --> 00:52:52.331
August.

00:52:52.331 --> 00:52:52.891
When's the golf tournament?

00:52:53.391 --> 00:52:55.451
It already happened this year was in June, so Yeah.

00:52:55.510 --> 00:52:58.451
Uh, most years it's in July, but we moved it up this year for, okay.

00:52:58.831 --> 00:52:59.920
Some strategic reasons.

00:53:00.141 --> 00:53:00.360
And

00:53:00.561 --> 00:53:01.360
suitcase party is when?

00:53:01.360 --> 00:53:01.561
Yep.

00:53:01.561 --> 00:53:03.161
Uh, Friday, a August 15th.

00:53:03.161 --> 00:53:03.440
Okay.

00:53:03.460 --> 00:53:10.760
Uh, so coming up here in, in a couple weeks, uh, definitely would be a, a prime opportunity to plug, uh, that tickets are on sale.

00:53:10.860 --> 00:53:17.081
Uh, website is, uh, the organization's website, noco unified.org, uh, or suitcase party.com is the, uh, okay.

00:53:17.101 --> 00:53:18.760
The event specific website, can

00:53:18.760 --> 00:53:21.481
you tell me where the suitcase part, where the winner's gonna fly this year?

00:53:21.701 --> 00:53:21.920
Uh,

00:53:22.391 --> 00:53:23.681
yeah, they're flying to, yeah.

00:53:23.681 --> 00:53:24.161
California.

00:53:24.300 --> 00:53:25.081
Oh, it's not a secret.

00:53:25.081 --> 00:53:26.280
Anyway, I thought it was a secret sometimes.

00:53:27.045 --> 00:53:29.585
Uh, we announce it strategically.

00:53:29.646 --> 00:53:31.666
We usually know internally quite a bit before.

00:53:31.666 --> 00:53:32.025
Gotcha.

00:53:32.045 --> 00:53:32.465
Gotcha.

00:53:32.565 --> 00:53:34.585
Uh, uh, Palm Springs this year for Okay.

00:53:34.806 --> 00:53:35.826
For, uh, the winners.

00:53:35.985 --> 00:53:44.706
I have a really cool exclusive VRBO that, that they're gonna, uh, for the first time, all the winners will actually stay together, but we basically got a, a,

00:53:44.896 --> 00:53:46.186
like a five bedroom mansion.

00:53:46.346 --> 00:53:47.106
A huge mansion.

00:53:47.106 --> 00:53:47.505
Exactly.

00:53:48.096 --> 00:53:50.585
That'll, and a private chef for, for a meal.

00:53:50.646 --> 00:53:52.786
And, uh, it should be a very premium experience.

00:53:52.786 --> 00:53:53.065
That's cool.

00:53:53.065 --> 00:53:57.626
And then there's a, a local music festival going on the same time that they'll have passes to Oh, fun.

00:53:57.686 --> 00:53:58.865
And spending money and all that.

00:53:58.925 --> 00:54:01.706
So you, that's, that's the grand prize of the, of the evening.

00:54:01.806 --> 00:54:02.025
But.

00:54:02.940 --> 00:54:04.641
For those that don't know about Suitcase Party.

00:54:04.740 --> 00:54:05.481
Uh, at six, please.

00:54:05.630 --> 00:54:05.920
Yeah.

00:54:05.940 --> 00:54:08.561
6:00 PM on, on, uh, Friday, August 15th.

00:54:09.190 --> 00:54:11.001
It's at the, the Loveland Airport.

00:54:11.340 --> 00:54:13.161
Uh, it's at a private hangar.

00:54:13.161 --> 00:54:14.681
It's at the Discovery Air Hangar.

00:54:14.820 --> 00:54:17.400
And so it's where like Woodward houses their jet.

00:54:17.431 --> 00:54:17.721
Cool.

00:54:18.061 --> 00:54:23.920
Uh, they clear out the jets and we kind of spend over two days converting it into a, a massive party scene.

00:54:23.920 --> 00:54:26.880
You know, we, we put in, uh, temporary carpet and Oh wow.

00:54:26.880 --> 00:54:27.521
Bring in vendors

00:54:27.581 --> 00:54:27.800
and,

00:54:27.800 --> 00:54:28.641
and I was there early.

00:54:28.880 --> 00:54:29.001
I

00:54:29.001 --> 00:54:29.601
haven't been there in a

00:54:29.601 --> 00:54:31.240
few years'cause it's usually conflicts

00:54:31.240 --> 00:54:32.440
with my birthday weekend.

00:54:32.510 --> 00:54:34.360
Well, you need to come for your birthday weekend.

00:54:34.820 --> 00:54:35.481
Uh, potentially.

00:54:35.481 --> 00:54:38.920
It's usually around the first weekend of school, uh, and everything.

00:54:38.940 --> 00:54:44.481
But then, you know, there's, there's, you know, food and, and drinks and, uh, silent auction, all sorts of different prizes.

00:54:44.481 --> 00:54:47.161
Some of the new things this year, uh, that we'll, that we'll have.

00:54:47.260 --> 00:54:49.681
And, um, this might be breaking news.

00:54:49.681 --> 00:54:51.201
We don't really announce this stuff anywhere.

00:54:51.260 --> 00:54:54.360
So I guess this might be the, like a hopeful insider's knowledge.

00:54:54.360 --> 00:54:55.360
Hopefully website crash or anything.

00:54:55.701 --> 00:54:58.880
The board might reprimand me, but, uh, we'll have like a golf simulator.

00:54:59.456 --> 00:54:59.795
Oh, cool.

00:54:59.856 --> 00:55:00.356
Um, option.

00:55:00.356 --> 00:55:08.835
This year we're doing a thing called an Infinity Barrel, where we basically, uh, have, have combined, uh, as much donated bourbon as, as we could get donated.

00:55:08.976 --> 00:55:12.715
So we're somewhere between a hundred and 150 bottles that we're, we're blending together.

00:55:12.715 --> 00:55:16.155
It's blend together, it's together, and then we'll we'll sell, uh, at the event.

00:55:16.255 --> 00:55:18.556
Oh, that's, so people have an option to, to.

00:55:19.615 --> 00:55:20.056
I do the,

00:55:20.115 --> 00:55:21.255
that's such a clever thing.

00:55:21.315 --> 00:55:30.376
One of the pastors from my church actually, uh, has infinity bottles of bourbon where he just has, you know, the last, uh, shot from each bottle goes all in a big mix.

00:55:30.556 --> 00:55:30.775
Yep.

00:55:31.166 --> 00:55:31.456
Yeah.

00:55:31.456 --> 00:55:33.295
So that's a, a, a unique thing.

00:55:33.295 --> 00:55:43.615
This year, uh, we're gonna have a drone show, and, and again, then the, the grand prize is, is four couples, eight people will leave that night right there from the party on the private, private plane.

00:55:43.956 --> 00:55:49.335
Uh, can't call it a private jet'cause it's not a jet, it's a plane, but it's a, a very nice plane turboprop at least.

00:55:49.335 --> 00:55:49.496
Right.

00:55:49.496 --> 00:55:50.936
Yeah, it's a very, very nice plane.

00:55:51.856 --> 00:55:53.396
Uh, that will take him out to California.

00:55:53.735 --> 00:55:54.516
So super fun event.

00:55:54.775 --> 00:55:56.235
And then the proceeds Go ahead.

00:55:56.266 --> 00:55:57.956
Yeah, well, that's exactly what I was gonna lead to.

00:55:57.956 --> 00:56:02.516
So for the year, uh, we will raise a net about$400,000.

00:56:02.615 --> 00:56:02.956
Oh, wow.

00:56:02.956 --> 00:56:07.235
Uh, this year we're trending higher than that, but then we give all the money back to, to local charity.

00:56:07.335 --> 00:56:15.036
So our requirements for charity gifts is, uh, have to be, uh, primarily focused on, uh, disadvantaged youth.

00:56:15.456 --> 00:56:17.516
And so that can be a broad term.

00:56:17.695 --> 00:56:17.916
Yep.

00:56:18.255 --> 00:56:20.876
You know, helping single moms also helps youth.

00:56:20.976 --> 00:56:24.476
So, uh, definitely, uh, a lot of need in the community.

00:56:24.615 --> 00:56:26.155
Uh, and then we, we ex That's crazy.

00:56:26.516 --> 00:56:28.436
Explicitly focus on Weld and Larimer County.

00:56:28.496 --> 00:56:31.195
So Northern Colorado's, I had no idea it was up to that kind of money.

00:56:31.295 --> 00:56:31.516
Yep.

00:56:31.775 --> 00:56:35.755
And did you guys do other stuff too, or just plan these big events and raise a bunch of money?

00:56:35.815 --> 00:56:37.315
Or do you have like a club meeting every month?

00:56:37.811 --> 00:56:38.030
Yep.

00:56:38.380 --> 00:56:39.271
Also, or something.

00:56:39.271 --> 00:56:40.431
There's 40 active members.

00:56:40.431 --> 00:56:40.630
Okay.

00:56:40.630 --> 00:56:42.550
We have no, no salary, a staff.

00:56:42.561 --> 00:56:44.550
We're a hundred percent volunteer organization.

00:56:45.210 --> 00:56:48.831
Uh, we do pay a few contractors like our accountant and a marketing person.

00:56:48.981 --> 00:56:49.271
Sure.

00:56:49.271 --> 00:56:53.510
And, you know, we have a little bit of overhead, but, uh, we're a very, very lean organization.

00:56:53.650 --> 00:57:02.471
Um, our members pay dues, so, uh, you know, we, we do fund member activities that kind of covers a lot of the, all of our member related activities comes outta dues.

00:57:02.541 --> 00:57:02.831
Cool.

00:57:02.971 --> 00:57:05.471
We would never take any of the donated money for, for that.

00:57:05.570 --> 00:57:08.751
But then, um, yeah, give, give back 400,000 each year.

00:57:09.291 --> 00:57:17.351
And then this year we've had a few things, uh, extra unique happen, uh, where we've actually accumulated an additional, about 300,000.

00:57:17.581 --> 00:57:17.871
Okay.

00:57:18.331 --> 00:57:24.311
Uh, the three easiest stories to, uh, to talk about is one person in the community passed away.

00:57:25.150 --> 00:57:26.710
A person I'd never interacted with.

00:57:26.771 --> 00:57:29.951
And, uh, that gentleman left us$168,000.

00:57:30.130 --> 00:57:30.351
Wow.

00:57:30.371 --> 00:57:31.431
Uh, which was tremendous.

00:57:32.710 --> 00:57:39.971
Uh, that just, it, it speaks to him observing our organization, you know, and having relationship with Sure.

00:57:39.971 --> 00:57:41.010
With some of our members Yeah.

00:57:41.010 --> 00:57:42.490
Who were very exuberant about it.

00:57:42.550 --> 00:57:46.971
And unbeknownst to anybody, you know, we were, we were listed in his will, which was yeah.

00:57:47.050 --> 00:57:47.690
A tremendous gift.

00:57:47.760 --> 00:57:48.050
Cool.

00:57:48.070 --> 00:57:56.371
And, um, I would love to meet that gentleman on the other side of the, of the veil and I give him a hug and thank him for his contribution.

00:57:56.630 --> 00:58:04.411
Um, that, and then we had another, uh, family give us$50,000, uh, and, and, uh, you know, very excited about that.

00:58:04.510 --> 00:58:08.050
And then a, uh, a third family sold their business and gave us$25,000.

00:58:08.311 --> 00:58:13.371
And there's a few other things that are a little bit less, uh, less easy to talk about, but it's

00:58:13.371 --> 00:58:15.050
almost like a little foundation becoming Yep.

00:58:15.675 --> 00:58:19.536
And so, and are you gonna give that money back out to specific things or do something?

00:58:19.686 --> 00:58:19.976
Yeah.

00:58:19.996 --> 00:58:24.896
So our normal, bigger, normal language with sponsors and donors is money and money out.

00:58:25.635 --> 00:58:29.815
Uh, we don't necessarily have that same restriction with, with this, this extra money.

00:58:29.815 --> 00:58:29.936
Yeah.

00:58:29.936 --> 00:58:31.735
This, this new money we're calling Amplify.

00:58:32.076 --> 00:58:38.576
And we want to use the money to create a lasting imp impact, an amplification of sorts.

00:58:38.576 --> 00:58:44.096
And so one thing we talk about is we want to, uh, we want to compound or multiply the money that's given to us.

00:58:44.195 --> 00:58:46.056
And so, uh, for the first time.

00:58:46.990 --> 00:58:55.871
I shouldn't say for the first time, but we're in a unique position, uh, to have this extra money where we can sit on and we certainly desire it to make an impact as soon as possible.

00:58:55.900 --> 00:58:56.190
Sure.

00:58:56.411 --> 00:59:00.590
But we won't want to be thoughtful and diligent in, in what that looks like and how to best proceed.

00:59:00.811 --> 00:59:05.150
Um, we've partnered with, uh, the Northern Colorado Community Foundation to set up a, an account there.

00:59:05.251 --> 00:59:10.030
So, um, the money will be invested or is invested generating returns.

00:59:10.331 --> 00:59:18.510
Uh, one of the unique ideas that's been pitched to us is, uh, not just gifting money, but uh, giving money in the form of like a low interest or a no interest loan.

00:59:19.130 --> 00:59:23.391
Um, and so that kind of creates this idea of perpetuation where now we can give that money multiple times.

00:59:23.690 --> 00:59:26.791
You know, give it once it's repaid, give it again repaid.

00:59:27.490 --> 00:59:28.911
Um, and so we also, if you're

00:59:28.911 --> 00:59:30.670
good enough at lending, you've probably got some bankers in there.

00:59:31.010 --> 00:59:34.670
We, yeah, we, we, we, we have ample connections.

00:59:34.791 --> 00:59:35.311
'cause if you give it,

00:59:35.460 --> 00:59:38.030
give it once and it doesn't come back, then you don't give it once.

00:59:39.210 --> 00:59:41.911
And, uh, so that, that's one thing we wanna set up potentially.

00:59:42.865 --> 00:59:46.045
Uh, our, our own internal version of a matching program.

00:59:46.405 --> 00:59:46.525
Hmm.

00:59:46.585 --> 00:59:47.686
Um, that's cool.

00:59:47.815 --> 00:59:54.846
We're we're figuring out details on that, but we've also been exposed to people that say, Hey, we love, love what you guys do.

00:59:55.346 --> 01:00:01.326
Uh, we, like, we wanna partner with you, but we're not interested in, in the marketing, you know, assets we're not interested in Yeah.

01:00:01.545 --> 01:00:02.766
10 tickets to the events.

01:00:02.786 --> 01:00:04.085
You know, we just want to help.

01:00:04.706 --> 01:00:08.405
And, um, we haven't really had a great answer to that question before.

01:00:08.436 --> 01:00:08.726
Yeah.

01:00:08.726 --> 01:00:08.965
Yeah.

01:00:09.465 --> 01:00:12.726
Um, and, and we're starting to, to, you know, create that answer.

01:00:12.726 --> 01:00:13.005
Yeah.

01:00:13.005 --> 01:00:13.126
Yeah.

01:00:13.146 --> 01:00:13.686
So, um,

01:00:13.985 --> 01:00:16.126
our Rotary Club has become that way with the peaches.

01:00:16.396 --> 01:00:16.686
Cool.

01:00:16.715 --> 01:00:17.005
Yeah.

01:00:17.416 --> 01:00:18.726
Peach Sale is going on now.

01:00:18.726 --> 01:00:18.885
Okay.

01:00:18.965 --> 01:00:23.686
I might as well, uh, uh, I forget breakfast rotary.org or something like that as a website.

01:00:24.226 --> 01:00:27.365
Um, but we sell a couple thousand.

01:00:28.081 --> 01:00:29.445
Cases of peaches usually.

01:00:29.545 --> 01:00:31.045
And we fund literacy programs Yeah.

01:00:31.045 --> 01:00:34.206
Throughout the Puter school district with that.

01:00:34.206 --> 01:00:34.405
Yeah.

01:00:34.545 --> 01:00:39.646
And there's a, just putting a donation button on there when people are buying peaches.

01:00:39.666 --> 01:00:45.045
And like a lot of people buy a box of expensive peaches for 60 or$65 and then give us a hundred bucks too.

01:00:45.065 --> 01:00:45.286
Yep.

01:00:45.826 --> 01:00:47.206
And then that's really, yeah.

01:00:47.206 --> 01:00:48.286
Good margin on that one.

01:00:48.465 --> 01:00:53.085
And that's something even coming mean to that, to that point, our organization, you know, I, I don't.

01:00:53.945 --> 01:00:54.166
It.

01:00:54.525 --> 01:01:01.206
I would be disappointed if we were just reshuffling the Phil philanthropic bucket within the community in the sense of like Right.

01:01:01.646 --> 01:01:05.005
I would never tell someone to give to unify in lieu of something else.

01:01:05.076 --> 01:01:05.365
Yeah.

01:01:05.465 --> 01:01:09.166
Um, though I could make an argument as to why we, we do compound the money.

01:01:09.786 --> 01:01:14.005
Um, you know, if people are passionate about a specific charity, absolutely.

01:01:14.005 --> 01:01:14.806
Give to that charity.

01:01:14.806 --> 01:01:15.126
Right.

01:01:15.465 --> 01:01:16.766
Um, I think were the big

01:01:16.766 --> 01:01:20.085
benefactors for you guys this year, or I know you have sometimes that you've been

01:01:20.556 --> 01:01:21.045
some big gifts.

01:01:21.045 --> 01:01:21.846
Yeah, there's three.

01:01:22.346 --> 01:01:25.005
Uh, I wish I had my cell phone right here.

01:01:25.246 --> 01:01:27.646
I could, I don't wanna mis I quote Matthew's House people.

01:01:28.025 --> 01:01:28.806
Why was that last year?

01:01:29.146 --> 01:01:31.885
Uh, we've given them recently a fair amount of money.

01:01:31.885 --> 01:01:32.565
They're a good one.

01:01:32.565 --> 01:01:36.166
You know, it's, it's Weld County, uh, Larimer County Boys and Girls Clubs.

01:01:36.166 --> 01:01:36.405
Sure.

01:01:36.425 --> 01:01:38.405
United Way Teaching Tree Sava.

01:01:38.925 --> 01:01:41.646
I mean, we, we've pretty much every charity in Northern Colorado.

01:01:41.826 --> 01:01:42.885
Do you know about guys who give?

01:01:43.445 --> 01:01:43.726
I do.

01:01:43.885 --> 01:01:44.885
I was a member for a while.

01:01:44.996 --> 01:01:45.286
Well,

01:01:45.286 --> 01:01:46.045
you should get back into it.

01:01:46.045 --> 01:01:48.525
I was a member for a while too, and I finally got back into it.

01:01:48.525 --> 01:01:48.806
Yeah.

01:01:48.826 --> 01:01:51.726
And the next one is for second Wednesday of August.

01:01:51.726 --> 01:01:52.005
Yeah.

01:01:52.846 --> 01:01:57.425
I'm a little strapped for time, but, uh, it's a good organization and people should continue contributing.

01:01:57.425 --> 01:01:57.706
Well,

01:01:57.706 --> 01:01:58.385
you live out of

01:01:58.385 --> 01:01:58.786
town now.

01:01:59.615 --> 01:01:59.905
Yeah.

01:01:59.905 --> 01:02:01.985
So let me finish on, on Unify.

01:02:02.166 --> 01:02:10.106
Uh, but I, I would say I, I'm proud to say, I think, uh, our organization generates like, incremental value to the community.

01:02:10.175 --> 01:02:10.465
Yeah.

01:02:10.885 --> 01:02:15.786
Um, I don't think that we re we necessarily like harvest or replace Sure.

01:02:15.786 --> 01:02:22.905
You know, people's charitable gifts, but I think a lot of people come to our parties, um, and spend extra money, uh, because it's, it's, it's a fun party.

01:02:22.976 --> 01:02:23.266
Yeah.

01:02:23.266 --> 01:02:23.346
They

01:02:23.346 --> 01:02:23.585
know that

01:02:23.585 --> 01:02:24.106
any extra

01:02:24.106 --> 01:02:25.985
overflow is just gonna go to a good cause anyway.

01:02:25.985 --> 01:02:26.465
Exactly.

01:02:26.786 --> 01:02:33.025
Where I don't, I don't think people, if they don't come to our event, I don't think they're spending that extra thousand dollars at Yeah.

01:02:33.025 --> 01:02:34.106
You know, at a, at a charity.

01:02:34.206 --> 01:02:34.425
But,

01:02:34.726 --> 01:02:35.865
um, I wanted to ask about that.

01:02:35.865 --> 01:02:36.025
Yeah.

01:02:36.025 --> 01:02:37.106
You said you have 40 members.

01:02:37.206 --> 01:02:37.626
Mm-hmm.

01:02:38.005 --> 01:02:42.065
Um, and is it like, what are the qualifications for membership?

01:02:42.166 --> 01:02:42.385
Yep.

01:02:42.606 --> 01:02:42.985
If you will.

01:02:43.025 --> 01:02:44.465
I know you have to be under 40 still.

01:02:44.465 --> 01:02:44.865
Is that true?

01:02:44.965 --> 01:02:45.186
Yep.

01:02:45.246 --> 01:02:45.465
Yep.

01:02:45.646 --> 01:02:46.266
So we.

01:02:47.565 --> 01:02:52.146
We have continued the legacy tradition of our, our founding.

01:02:52.146 --> 01:02:55.706
So we were founded under an entity called, uh, the Active 2030 Group.

01:02:56.565 --> 01:03:02.985
Uh, active 2030 is uh, again focused on raising money for children's charities and it's specifically targeting men.

01:03:03.166 --> 01:03:05.626
Um, age 20 until age 39.

01:03:06.585 --> 01:03:07.646
Uh, professional men.

01:03:08.025 --> 01:03:12.126
And the reason that they choose that, that demographic is because it's, it is.

01:03:12.346 --> 01:03:13.525
And who does the research?

01:03:13.565 --> 01:03:18.846
I don't know, but it is allegedly the least, uh, philanthropic or least volunteering demographic.

01:03:18.985 --> 01:03:19.326
Oh, really?

01:03:19.465 --> 01:03:26.045
And so active 2030 specifically is targeting, uh, you know, young, actively charitable young men Exactly.

01:03:26.346 --> 01:03:27.766
And, and developing the leaders.

01:03:27.786 --> 01:03:34.206
And so that's our two primary, uh, you know, purposes or mission statements is one to raise money for, for disadvantaged youth.

01:03:34.746 --> 01:03:38.806
And the second part of it is to, uh, cultivate leaders, uh, in the community.

01:03:38.806 --> 01:03:39.126
Mm-hmm.

01:03:39.126 --> 01:03:46.166
And so I, I think that a lot of that leadership development happens through our organization by putting on these events.

01:03:46.195 --> 01:03:46.485
Yeah.

01:03:46.505 --> 01:03:48.606
But we're also intentional about, um,

01:03:49.076 --> 01:03:55.365
mentoring and, and well, and probably becoming board members of some of these benefactor organizations and things like that as well.

01:03:55.860 --> 01:03:56.081
Yep.

01:03:56.780 --> 01:03:58.161
So it's a really good brotherhood.

01:03:58.161 --> 01:04:00.360
But to your point, you turn 40, you get aged out.

01:04:00.501 --> 01:04:09.440
And uh, and then, uh, after aging out, uh, there's a secondary organization that's been established called, um, I don't know the legal name of it actually.

01:04:09.440 --> 01:04:09.800
Old Bad Club.

01:04:09.871 --> 01:04:11.280
Well, yeah, we call it North 40.

01:04:11.501 --> 01:04:13.201
I'm there might be a different, I got it.

01:04:13.201 --> 01:04:18.121
There might be a different legal name, but, uh, north 40 is, is past members do the charcoal broiler.

01:04:18.920 --> 01:04:20.601
cause they should meet the charcoal broiler.

01:04:20.721 --> 01:04:23.481
'cause I believe that's, that back room there is still called the North 40.

01:04:23.791 --> 01:04:25.400
Yeah, it, it might be, I don't know.

01:04:25.900 --> 01:04:27.561
Anyway, that's a suggestion for you, you guys.

01:04:27.561 --> 01:04:28.360
I'm not a, I'm not a member yet.

01:04:28.360 --> 01:04:29.001
So for you alumni

01:04:29.001 --> 01:04:31.121
members or whatever, uh, look into that.

01:04:31.190 --> 01:04:31.481
Yeah,

01:04:31.481 --> 01:04:44.561
I'm not a, not a North 40 member yet, so I can't speak to them, but, uh, but those guys, I mean, they, they do so much for us and, um, it's fun because I'm, I'm one of these, uh, kind of links between the old guys and, and the young guys.

01:04:44.630 --> 01:04:44.920
Yeah.

01:04:44.981 --> 01:04:48.360
And many of the young guys don't know the old guys and many of the old guys don't know the young guys.

01:04:48.501 --> 01:04:50.481
But, um, so it's kind of one on one.

01:04:50.481 --> 01:04:51.001
How long have you

01:04:51.001 --> 01:04:51.320
been part of it?

01:04:52.005 --> 01:04:53.666
Uh, I'm in my 13th year.

01:04:53.885 --> 01:04:54.106
Wow.

01:04:54.405 --> 01:04:59.025
And I have five, five more to go, so I'll, I'll, I think I'll age out at about 17 or 18 years.

01:04:59.025 --> 01:04:59.226
Yeah.

01:04:59.226 --> 01:05:01.346
You're probably one of the longest serving members ever.

01:05:01.885 --> 01:05:04.505
Uh, that, that may be true today.

01:05:04.505 --> 01:05:04.865
Most, yeah.

01:05:04.865 --> 01:05:06.266
But it will certainly be true in five years.

01:05:06.666 --> 01:05:06.985
Right.

01:05:07.126 --> 01:05:09.385
Um, and then I got a shout out Blake Burrows.

01:05:09.496 --> 01:05:11.306
He's, uh, he's one year behind me.

01:05:11.306 --> 01:05:11.505
Okay.

01:05:11.505 --> 01:05:13.346
But, uh, he'll also,

01:05:14.005 --> 01:05:16.826
you'll gonna have to kick it to the finish so he won't, uh, be able to pass you.

01:05:17.016 --> 01:05:17.306
Yeah.

01:05:17.425 --> 01:05:20.666
I think, we'll, I think he's one year younger than me and one year behind me.

01:05:20.666 --> 01:05:23.786
So I think once we both turn 40, we'll both be at 17 years.

01:05:23.976 --> 01:05:24.465
Okay, cool.

01:05:24.465 --> 01:05:25.425
Which is, uh, good job, Blake.

01:05:25.425 --> 01:05:26.746
Kind of a long And what's Blake do?

01:05:26.746 --> 01:05:27.465
I don't know if I know him.

01:05:28.016 --> 01:05:28.306
Yeah.

01:05:28.416 --> 01:05:29.226
Blake's awesome.

01:05:29.936 --> 01:05:33.626
He's a, a, you know, very, very successful young guy.

01:05:33.646 --> 01:05:36.666
He, uh, he owns top shelf printing and embroidery outta Greeley.

01:05:36.666 --> 01:05:36.945
Okay.

01:05:37.521 --> 01:05:46.780
Uh, you know, he, he can print anything on anything cool, you know, if it's, that's wrapping cars or if it's, uh, build, you know, printing mugs or laser engraving or a t-shirts or whatever.

01:05:46.800 --> 01:05:52.541
He, he has a really big operation out there and, uh, and his business partner, um, very cool.

01:05:52.541 --> 01:05:53.181
Sounds like a

01:05:53.181 --> 01:05:53.860
potential local thing.

01:05:53.860 --> 01:05:54.221
Tank member.

01:05:54.811 --> 01:05:55.101
Yeah.

01:05:55.210 --> 01:05:57.260
He's, he's in a few groups already.

01:05:57.440 --> 01:05:58.021
I'm not Fair enough.

01:05:58.021 --> 01:05:59.581
Not, I'm not sure he would, uh, have time.

01:05:59.800 --> 01:06:00.340
I'm, I don't know.

01:06:00.420 --> 01:06:04.061
I, I shouldn't connect you guys, but he, he's, uh, he's been a huge part.

01:06:04.081 --> 01:06:21.181
He actually, one of his achievements within the group, um, among many, but when, uh, you know, we, we had these, these big fundraising, he asked, and we commit to these charities, you know, at the beginning of the year and then ask them to kind of come, come alongside us to, uh, to raise the money.

01:06:21.181 --> 01:06:21.740
Money and stuff.

01:06:21.740 --> 01:06:21.860
Yeah.

01:06:21.860 --> 01:06:26.221
Well, when COVID happened, our events were, were, you know, canceled, right?

01:06:26.221 --> 01:06:26.621
Essentially.

01:06:26.681 --> 01:06:28.460
But we still had these, these fundraising.

01:06:29.030 --> 01:06:30.920
Kind of commitments that we wanted to fulfill.

01:06:31.061 --> 01:06:40.601
So, uh, during COVID what we did was we pivoted from, uh, the Derby party to, uh, we, we built these, uh, they were kind of silly and we had so many leftovers, but we still raised money from it.

01:06:40.621 --> 01:06:43.320
We built a, uh, derby in a box deal.

01:06:43.380 --> 01:06:50.161
So we distributed these derby parties in these shoe boxes essentially with, you know, a couple shots of whiskey and all sorts of fun.

01:06:50.190 --> 01:06:53.161
Like party your for only$200 kind of thing.

01:06:53.161 --> 01:06:53.800
Something like that.

01:06:53.800 --> 01:06:54.041
Yeah.

01:06:54.280 --> 01:06:54.481
And

01:06:54.481 --> 01:06:55.760
donated bourbon and whatever else.

01:06:55.760 --> 01:06:55.960
Yep.

01:06:56.021 --> 01:06:56.561
That's cool.

01:06:56.561 --> 01:06:56.681
So

01:06:56.681 --> 01:07:00.320
that was one thing we did, but, uh, Blake Oh, and he made a super cool box for him and whatnot or something.

01:07:00.391 --> 01:07:01.360
Well, kind, kind of.

01:07:01.360 --> 01:07:06.121
That was a, so Blake Blake, uh, he organized our golf tournament during COVID.

01:07:06.431 --> 01:07:09.800
We'd never done a golf tournament before, but we had no other events and mm-hmm.

01:07:10.021 --> 01:07:14.760
Uh, he was able to, uh, very quickly on short notice with no, no blueprint or anything.

01:07:14.811 --> 01:07:15.161
Right.

01:07:15.550 --> 01:07:15.840
Cool.

01:07:16.380 --> 01:07:18.920
To, uh, to good for him generate a golf tournament for us.

01:07:18.981 --> 01:07:20.641
And that first year was our biggest year.

01:07:20.751 --> 01:07:21.041
Yeah.

01:07:21.150 --> 01:07:22.201
Well, at that time everybody was like.

01:07:22.755 --> 01:07:24.016
Oh, I could go see people.

01:07:24.246 --> 01:07:24.536
Yeah.

01:07:24.675 --> 01:07:25.175
And golf.

01:07:25.405 --> 01:07:32.496
Well, and all of our donors, they're, I mean some of them still gave us money regardless, but many of them are like, no, we want the marketing exposure.

01:07:32.835 --> 01:07:35.456
And so if we have no events, there's nothing, nothing to sell.

01:07:35.516 --> 01:07:36.456
So Blake Yeah, that makes sense.

01:07:36.456 --> 01:07:38.655
Blake, Blake, Blake's left a huge, so good job Blake.

01:07:38.775 --> 01:07:39.376
A huge impact there.

01:07:39.376 --> 01:07:40.056
So, um, I

01:07:40.056 --> 01:07:47.255
wanna take a break and then come back and talk about Little Reed a little bit and your great beautiful wife and family a little more and stuff like that.

01:07:47.306 --> 01:07:47.735
Can't wait.

01:07:47.735 --> 01:07:48.295
Alright, thanks.

01:08:40.115 --> 01:08:41.055
And we're back.

01:08:41.815 --> 01:08:42.576
Welcome back.

01:08:43.076 --> 01:08:56.576
Um, so we were talking during the break and I understand that, uh, you mentioned your father earlier had, was working, uh, with the firm that you were working in or encouraged you to get into the industry, but also your, your grandfather was an entrepreneur as well.

01:08:56.605 --> 01:08:56.895
Yeah.

01:08:57.966 --> 01:08:58.256
Yeah.

01:08:58.435 --> 01:09:05.095
And it's something, you know, my grand, my grandfather passed, um, almost exactly a year ago, uh, August, first of last year.

01:09:05.355 --> 01:09:07.655
Um, just reminding myself of that.

01:09:07.756 --> 01:09:12.855
And, you know, after people pass that there's questions that you don't get answers to.

01:09:12.956 --> 01:09:17.496
And I'm sure my grandma and, and get dad and uncle would, would know some of these answers.

01:09:17.676 --> 01:09:22.136
But, um, I don't know how my grandpa started the, the business he had.

01:09:22.136 --> 01:09:24.376
So he owned a Coca-Cola distribution company.

01:09:24.645 --> 01:09:24.935
Okay.

01:09:25.555 --> 01:09:32.336
And, uh, served, uh, Western half of Nebraska, parts of Wyoming.

01:09:32.886 --> 01:09:33.176
Okay.

01:09:33.195 --> 01:09:35.015
I'm not, I think Colorado potentially.

01:09:36.520 --> 01:09:43.860
And, uh, I mean, that was back when, you know, my dad's job was sweeping the, the, the warehouse floors.

01:09:43.921 --> 01:09:52.381
And he would drive at an early age, he'd drive the delivery trucks and, you know, people would, they would drop the product off at, at, you know, whether it was stores or Sure.

01:09:52.381 --> 01:09:53.461
Houses and Yeah.

01:09:53.461 --> 01:09:53.900
All the old

01:09:53.900 --> 01:09:55.261
red colored cases and

01:09:55.261 --> 01:09:55.900
bottles and stuff.

01:09:55.900 --> 01:09:57.501
But they would pick up the, yeah, exactly.

01:09:57.501 --> 01:09:59.541
They'd pick up the old glass bottles mm-hmm.

01:09:59.621 --> 01:10:03.701
And then they'd wash'em, you know, rinse'em out and, and reuse'em.

01:10:03.701 --> 01:10:08.261
And, you know, somehow that practice obviously wasn't economical enough or, or wasn't.

01:10:08.350 --> 01:10:08.701
Right.

01:10:08.841 --> 01:10:11.301
The lowest cost option, uh, for the reuse.

01:10:11.720 --> 01:10:11.940
Now

01:10:11.940 --> 01:10:12.020
we

01:10:12.020 --> 01:10:12.860
just buy$3

01:10:12.860 --> 01:10:13.180
bottles,

01:10:13.211 --> 01:10:14.740
plastic bottles and throw'em away.

01:10:14.740 --> 01:10:14.940
Coke

01:10:14.940 --> 01:10:15.421
and throw'em away.

01:10:15.421 --> 01:10:15.661
Yeah.

01:10:15.921 --> 01:10:16.140
And

01:10:16.140 --> 01:10:16.341
so

01:10:16.581 --> 01:10:17.100
I, uh, or

01:10:17.421 --> 01:10:18.701
recycle them, which basically means

01:10:18.900 --> 01:10:19.341
throwing them away.

01:10:19.371 --> 01:10:19.860
Exactly.

01:10:20.041 --> 01:10:20.261
Yep.

01:10:21.166 --> 01:10:26.626
And so we have lots of Coca-Cola memorabilia, uh, which is always gonna be, you know, oh, cool.

01:10:26.626 --> 01:10:28.386
I'm a staunch Coke supporter.

01:10:28.565 --> 01:10:30.025
Uh, Pepsi is

01:10:30.725 --> 01:10:31.345
the enemy.

01:10:32.086 --> 01:10:32.945
I'm a Coke guy as well.

01:10:33.466 --> 01:10:42.506
Actually, we had a tour of the Coca-Cola distribution business when I was a kid, and I rocked a, what had become a sleeveless Coca-Cola shirt.

01:10:42.506 --> 01:10:42.786
Yeah.

01:10:43.296 --> 01:10:46.105
Like, well into my, uh, early thirties.

01:10:46.286 --> 01:10:46.626
It was.

01:10:47.400 --> 01:10:48.060
So far gone.

01:10:48.081 --> 01:10:50.940
It shouldn't have been worn probably for the last five years at least.

01:10:51.121 --> 01:10:53.020
But, uh, I just love my Coca-Cola

01:10:53.020 --> 01:10:53.261
shirt.

01:10:53.261 --> 01:10:53.541
Yeah.

01:10:53.730 --> 01:10:54.020
Yeah.

01:10:54.020 --> 01:10:56.020
So we have lots of Coca-Cola memorabilia.

01:10:56.020 --> 01:11:02.740
Some of the really cool things are, uh, you know, incentive deals that Coca-Cola would, would give to their production leaders.

01:11:02.841 --> 01:11:12.900
And, uh, you know, some, they have stories of different trips, but one of the prizes, uh, one year, many of the years was these Coca-Cola me memorabilia pins.

01:11:13.161 --> 01:11:18.661
And so we have like sports, uh, uh, NFL uh, football helmet pins.

01:11:18.661 --> 01:11:21.421
We have Super Bowl, uh, commemorative pins.

01:11:21.680 --> 01:11:29.980
Uh, we have, uh, uh, Olympic like, um, large deal with all these pins on it from all these different countries.

01:11:30.131 --> 01:11:30.421
Sure.

01:11:30.926 --> 01:11:33.945
Um, just stuff that's really meaningful to me, but, uh, yeah.

01:11:34.006 --> 01:11:34.586
And where was

01:11:34.586 --> 01:11:35.265
this like

01:11:35.416 --> 01:11:35.706
were,

01:11:35.775 --> 01:11:38.706
were, were you born and raised around here or did you

01:11:38.706 --> 01:11:40.145
grow up partly in Nebraska too?

01:11:40.145 --> 01:11:41.945
Yeah, so I'm, I'm born and raised in Greeley.

01:11:41.945 --> 01:11:42.225
Okay.

01:11:42.225 --> 01:11:44.025
Uh, but this was all in western Nebraska.

01:11:44.055 --> 01:11:44.345
Okay.

01:11:44.345 --> 01:11:46.546
So my parents like Alala region or something like that.

01:11:46.576 --> 01:11:46.865
Yeah.

01:11:46.865 --> 01:11:48.386
Uh, west of their gearing.

01:11:48.386 --> 01:11:49.706
Gearing and Scotch Bluff.

01:11:49.706 --> 01:11:49.826
Yeah.

01:11:49.826 --> 01:11:50.025
Yeah.

01:11:50.025 --> 01:11:51.145
So not, not far from here.

01:11:51.355 --> 01:11:52.985
About two hours from Fort Collins.

01:11:53.286 --> 01:11:55.426
And so that's where my parents were born.

01:11:55.426 --> 01:11:55.786
That's

01:11:55.786 --> 01:11:56.786
like the nicest part of Nebraska.

01:11:56.815 --> 01:11:57.345
Just about,

01:11:57.815 --> 01:11:59.666
it's near and dear to my heart.

01:11:59.845 --> 01:12:01.786
It can be awfully windy, I'm sure.

01:12:02.166 --> 01:12:02.426
I'm sure.

01:12:02.426 --> 01:12:04.345
But it's, uh, where all our family is, but it's

01:12:04.345 --> 01:12:08.305
pretty, like they got a nice bluff hills there and stuff like that's Monument.

01:12:08.305 --> 01:12:08.506
Nice.

01:12:08.695 --> 01:12:14.746
It's a nice little, it's a nice little nice little uh, cool spot in the midst of a lot of other less cool stuff.

01:12:14.895 --> 01:12:15.185
Yeah.

01:12:15.185 --> 01:12:18.506
Some of my, you know, family immediate fam or what?

01:12:18.525 --> 01:12:20.706
My aunts and uncles, some of them are farmers and Sure.

01:12:21.966 --> 01:12:25.626
Um, still most of, most of my family's still in that area, Scotts Bluff Gearing.

01:12:25.626 --> 01:12:33.105
And so my mom and dad, uh, both went to Gearing High school and, uh, my dad's four, four grades or three years older than my mom.

01:12:34.006 --> 01:12:37.746
And, uh, you know, he was a senior quarterback and she was the freshman cheerleader.

01:12:38.006 --> 01:12:38.225
Oh.

01:12:38.225 --> 01:12:38.345
Oh.

01:12:38.345 --> 01:12:39.386
And, uh, they kind of started dating.

01:12:39.445 --> 01:12:48.145
And then when my dad went off to college at CSU, uh, well du first, and then CSU, he would drive back every weekend to be with her and all that.

01:12:48.206 --> 01:12:54.746
And then, uh, I think it was the year, 1986 is when my grandpa sold the Coca-Cola company and retired.

01:12:54.975 --> 01:12:55.265
Okay.

01:12:55.265 --> 01:12:55.466
Okay.

01:12:55.496 --> 01:12:55.786
Okay.

01:12:55.786 --> 01:13:06.225
You know, he was, he was pretty young to retire mid forties, and then he and my grandma moved to, uh, to Vail and oh, basically spent the next 30 years hiking and biking and snowshoeing.

01:13:06.225 --> 01:13:06.426
And

01:13:06.565 --> 01:13:08.185
So retirement stuck for him, huh?

01:13:08.246 --> 01:13:08.466
Yep.

01:13:08.685 --> 01:13:13.666
And then, uh, that, I don't know exactly my dad's, uh, journey immediately thereafter.

01:13:13.725 --> 01:13:16.345
I'm sure they all worked for the, the new corporation.

01:13:16.405 --> 01:13:20.225
But then, uh, my dad moved to, to Cheyenne, and then ultimately to Greeley.

01:13:21.190 --> 01:13:23.011
And he started a men's clothing company.

01:13:23.511 --> 01:13:23.730
Oh.

01:13:23.730 --> 01:13:25.091
And, uh, he was selling Okay.

01:13:25.091 --> 01:13:30.251
You know, suits and ties and dress shirts and Was it like, uh, Miller Cloth or something?

01:13:30.251 --> 01:13:30.411
Yep.

01:13:30.411 --> 01:13:30.570
Yeah.

01:13:30.690 --> 01:13:31.091
TD Miller.

01:13:31.161 --> 01:13:31.451
Okay.

01:13:31.530 --> 01:13:40.411
Td, I think it was TD Miller and Coe and kind of the running joke in our family is, uh, we still all these, you know, he, he shut down the clothing company in 1992.

01:13:40.761 --> 01:13:41.051
Okay.

01:13:41.791 --> 01:13:49.451
And, uh, we still have Miller TD Miller boxes that every year at Christmas reemerged circulate.

01:13:49.911 --> 01:13:54.770
And we admittedly are finally down to like, the last couple are getting reused.

01:13:54.871 --> 01:13:55.171
Oh, yeah.

01:13:55.171 --> 01:13:55.331
Yeah.

01:13:55.350 --> 01:13:57.011
Uh, but for years and years, we, that's awesome.

01:13:57.110 --> 01:13:57.850
We had just

01:13:57.890 --> 01:13:58.011
a,

01:13:58.270 --> 01:13:59.570
an enormous supply of these,

01:13:59.720 --> 01:14:01.930
just the standard like folded corner things.

01:14:02.081 --> 01:14:02.371
Yeah.

01:14:02.690 --> 01:14:02.810
Whatever.

01:14:02.871 --> 01:14:04.331
We could get a dress shirt in or whatever.

01:14:04.430 --> 01:14:04.650
Yep.

01:14:04.711 --> 01:14:07.251
And so then he started doing insurance in 1992.

01:14:08.350 --> 01:14:19.371
Uh, joined a local firm and, uh, he did that and became a partner in 2007 and then ultimately sold that company in 2017, uh, to form the large, uh, insurance brokerage.

01:14:19.371 --> 01:14:23.530
And so, just lots of different, you know, experience, but, uh, how

01:14:23.530 --> 01:14:27.490
big was his firm when he merged and became part of the partnership?

01:14:27.680 --> 01:14:27.970
Yeah.

01:14:27.970 --> 01:14:32.490
When we merged, we were I think three or 4 million.

01:14:32.921 --> 01:14:33.211
Okay.

01:14:33.310 --> 01:14:38.411
Uh, when we, when he retired and when I quit, uh, I think we were between five and 6 million.

01:14:38.680 --> 01:14:38.970
Okay.

01:14:39.270 --> 01:14:42.251
Um, in revenue and, uh, 25 odd employees.

01:14:42.440 --> 01:14:42.730
Yeah.

01:14:43.470 --> 01:14:44.850
Uh, super interesting getting

01:14:44.850 --> 01:14:46.530
to see, you were kinda the junior guy

01:14:46.820 --> 01:14:47.171
there.

01:14:47.270 --> 01:14:47.690
Mm-hmm.

01:14:47.831 --> 01:14:49.131
And there were, there was three families.

01:14:49.440 --> 01:14:49.730
Yeah.

01:14:49.730 --> 01:14:51.291
Three, three fathers, three sons.

01:14:51.350 --> 01:14:54.171
And, uh, really, really interesting going through that merger.

01:14:54.451 --> 01:15:00.051
'cause we actually merged a 24 independent insurance brokerages to form a national firm.

01:15:00.551 --> 01:15:01.371
And Interesting.

01:15:01.511 --> 01:15:05.570
And so at inception we were at about 158 million in aggregate revenue.

01:15:05.911 --> 01:15:06.211
Oh wow.

01:15:06.841 --> 01:15:11.140
And then when we left, we were had just eclipsed a billion in, in annual revenue.

01:15:11.140 --> 01:15:11.421
Oh, dang.

01:15:11.421 --> 01:15:11.661
So that

01:15:11.661 --> 01:15:16.701
was like gigantic, like a strategic roll up of all these kind of market dominant firms, basically.

01:15:16.701 --> 01:15:17.100
That's it.

01:15:17.201 --> 01:15:18.060
All across the country.

01:15:18.060 --> 01:15:18.341
Yeah.

01:15:18.490 --> 01:15:18.780
Yeah.

01:15:18.780 --> 01:15:19.100
Did it all

01:15:19.100 --> 01:15:20.020
happen at the same time too?

01:15:20.251 --> 01:15:20.541
Well,

01:15:20.680 --> 01:15:20.900
or

01:15:20.900 --> 01:15:21.060
nearly

01:15:21.081 --> 01:15:21.740
24.

01:15:21.740 --> 01:15:21.940
Yeah.

01:15:21.940 --> 01:15:27.180
24 legally merged, uh, January 1st, 2017, which was super interesting.

01:15:27.921 --> 01:15:31.100
And then, uh, thereafter there was subsequent acquisitions and Right, right.

01:15:31.100 --> 01:15:31.461
And whatnot.

01:15:31.530 --> 01:15:33.261
More and more up into the blob.

01:15:33.261 --> 01:15:33.541
Yeah.

01:15:33.560 --> 01:15:34.661
But strong, yeah.

01:15:34.661 --> 01:15:36.421
Organic growth, private equity funded.

01:15:36.421 --> 01:15:36.661
Mm-hmm.

01:15:36.740 --> 01:15:37.301
Or who's the mm-hmm.

01:15:37.381 --> 01:15:37.461
Okay.

01:15:37.461 --> 01:15:45.060
Yeah, private equity sponsored and, uh, was a good deal, you know, for, for all the parties and, and everything, everybody, the

01:15:45.180 --> 01:15:45.381
employees

01:15:45.381 --> 01:15:45.980
and the customers.

01:15:45.980 --> 01:15:46.301
Mm-hmm.

01:15:46.940 --> 01:15:47.140
Yeah.

01:15:47.140 --> 01:15:49.461
And that, that's still a very prominent local, that's the way that works.

01:15:49.850 --> 01:15:50.140
Yeah.

01:15:50.140 --> 01:15:51.621
Local firm and, and all that.

01:15:51.820 --> 01:15:54.501
I just, you know, grandpa was a small business owner.

01:15:54.560 --> 01:15:57.180
My dad, you know, was a, a partner and, and owner.

01:15:57.560 --> 01:16:01.220
And I just, I've always wanted to have my own firm and yeah.

01:16:01.360 --> 01:16:03.180
Now I get to live that reality and.

01:16:04.091 --> 01:16:13.030
Um, I know you've asked about my, my little boys, but I mean, wanting to, to create a legacy and, and something for them, uh, to have the option for.

01:16:13.331 --> 01:16:15.230
I'm, I will never force them to do anything.

01:16:15.261 --> 01:16:15.551
Sure.

01:16:15.551 --> 01:16:17.711
Whether it's sports related or business related, but nothing would make you

01:16:17.711 --> 01:16:19.270
prouder than if they wanted to go to work with dad too.

01:16:19.341 --> 01:16:19.791
Yeah, I,

01:16:19.911 --> 01:16:20.390
I would love it.

01:16:20.530 --> 01:16:29.110
You know, I, I would either or wanna make sure to set up intentional structures and, and different things where they're getting, you know, mentored by people besides me.

01:16:29.110 --> 01:16:29.430
Right.

01:16:29.430 --> 01:16:31.911
You know, I'm, I hope I can, can

01:16:32.421 --> 01:16:34.990
send'em out to work for a big firm first for a while

01:16:35.140 --> 01:16:37.350
potentially, or, or a different industry altogether.

01:16:37.421 --> 01:16:37.711
Yeah.

01:16:37.711 --> 01:16:47.831
But you know, if, if they, when they're 20 years old, if they call me something like their primary mentor, like what, what greater honor as a dad could I have?

01:16:47.831 --> 01:16:50.470
Well, they won't when they're 20, but they may when they're 40.

01:16:50.470 --> 01:16:50.791
Yeah, exactly.

01:16:50.791 --> 01:16:54.951
Looking back to when they were 20, you know, but I hope they have, they're like most boys.

01:16:55.230 --> 01:16:58.470
I hope they have many good influences and, and all that, but, um.

01:16:59.136 --> 01:17:01.826
Yeah, that, I mean, they're just little right now and, and so fun.

01:17:01.826 --> 01:17:06.865
You know, they still jump outta bed and, and want to come cuddle and, you know, give me a kiss and Sure.

01:17:06.865 --> 01:17:07.386
Stuff like that.

01:17:07.386 --> 01:17:09.985
Which is the 1-year-old, uh, walking yet?

01:17:09.985 --> 01:17:10.626
Oh, yeah, yeah, yeah.

01:17:10.655 --> 01:17:12.586
He's, he's been mobile for a while and Nice.

01:17:13.216 --> 01:17:15.145
He's more work than the 3-year-old, you know, is Right.

01:17:15.145 --> 01:17:17.826
People say terrible twos, you know, two's nothing.

01:17:18.315 --> 01:17:21.586
Three is tough, but one is harder than three.

01:17:21.926 --> 01:17:23.466
So what are their names, if I may?

01:17:23.485 --> 01:17:23.706
Yep.

01:17:23.805 --> 01:17:24.786
So the three year old's.

01:17:24.786 --> 01:17:25.025
James.

01:17:25.315 --> 01:17:25.706
Who's James?

01:17:25.725 --> 01:17:29.426
Uh, James Dudley and, uh, James will probably listen

01:17:29.426 --> 01:17:29.865
to this one.

01:17:30.256 --> 01:17:30.546
Yeah.

01:17:30.555 --> 01:17:32.985
James is, uh, my, my, for a little while.

01:17:33.086 --> 01:17:38.666
My wife's father, my in-law is his middle name, Dudley's, my dad's middle name.

01:17:39.515 --> 01:17:47.496
And then, uh, when we found out we were having another boy, I thought, well, shoot, we already shot both family names that we were fond of.

01:17:47.636 --> 01:17:51.136
So, uh, the 1-year-old is Isaac and his middle name's Reed.

01:17:51.155 --> 01:17:54.815
So my, oh, my name Reed, obviously, but my legal name is Tyler.

01:17:54.886 --> 01:17:55.416
Yeah, I was gonna

01:17:55.416 --> 01:17:58.216
say, your phone says T Reed Miller in it when I call you.

01:17:58.246 --> 01:17:58.536
Yeah.

01:17:58.536 --> 01:17:59.136
I can't remember your real name.

01:17:59.136 --> 01:18:00.735
Yeah, so my legal name is Tyler Reed.

01:18:00.735 --> 01:18:01.015
Okay.

01:18:01.015 --> 01:18:01.216
So

01:18:01.216 --> 01:18:03.256
Isaac is now Isaac Reed and Okay.

01:18:03.435 --> 01:18:05.536
Uh, we are hopeful for a third.

01:18:05.605 --> 01:18:13.095
Yeah, I think three boys would be wild and crazy and fun, and I think two boys and a girl would be, um, equally awesome.

01:18:13.206 --> 01:18:13.576
Well, and

01:18:13.576 --> 01:18:17.855
if you get three boys, you could also try for one more to just try to get that girl in there if you need to.

01:18:18.301 --> 01:18:19.430
Yeah, we, I don't know.

01:18:19.430 --> 01:18:19.551
So

01:18:19.650 --> 01:18:21.631
Jill's dad was one of seven boys, no girls.

01:18:22.411 --> 01:18:22.871
And that's

01:18:22.871 --> 01:18:23.470
the risky run.

01:18:24.331 --> 01:18:34.990
So I think, I think when, um, my wife, you know, we're, we're not spring chickens, but I, I know we don't wanna wait too much longer to, uh, to have a third, but yeah, they're, they're so much fun.

01:18:34.990 --> 01:18:35.911
And my wife's Hannah.

01:18:36.001 --> 01:18:37.990
She's, she's the best.

01:18:38.371 --> 01:18:39.671
Um, she, where'd you find her?

01:18:39.900 --> 01:18:41.511
Yeah, so mutual friend set us up.

01:18:41.511 --> 01:18:41.751
Okay.

01:18:41.751 --> 01:18:42.990
Super interesting day.

01:18:42.990 --> 01:18:43.591
How long ago?

01:18:43.900 --> 01:18:45.631
That was June 2nd, 2018.

01:18:45.900 --> 01:18:46.190
Okay.

01:18:46.350 --> 01:18:52.791
I actually know off the top of my head, a friend of ours, uh, called me on a Saturday and said, Hey, let's go out on my boat.

01:18:53.850 --> 01:19:00.470
And I said, uh, no, I, I'm, and, and to be fair, I'd gone out with him a couple times that week, I believe, um, on his boat.

01:19:00.490 --> 01:19:08.230
And I was getting caught up on things, but I was literally folding my socks or underwear or whatever, and he finally called me and said, Hey man, you know, Hannah's coming.

01:19:08.470 --> 01:19:09.390
I was like, oh, I see.

01:19:09.530 --> 01:19:10.871
So he invited us out.

01:19:11.051 --> 01:19:12.551
You had heard about her, but not met her yet?

01:19:12.551 --> 01:19:12.831
Mm-hmm.

01:19:12.911 --> 01:19:13.070
Yep.

01:19:13.201 --> 01:19:14.150
Heard about her and.

01:19:15.345 --> 01:19:17.256
She's just a great, great lady.

01:19:17.275 --> 01:19:22.536
And we spent that, that first day, uh, out on horse tooth boating and doing the wake surf thing.

01:19:22.555 --> 01:19:29.136
And then we took some friends back and it was an another friend of ours birthday that we met up, you know, after dinner day, an old town.

01:19:29.235 --> 01:19:36.935
And then we went back to our, the first friend's house and did different, you know, all sorts of recreational, well, no.

01:19:36.996 --> 01:19:37.855
Oh, recreational drugs.

01:19:37.926 --> 01:19:39.536
Yeah, no recreational activities.

01:19:39.555 --> 01:19:40.615
We were playing volleyball.

01:19:41.115 --> 01:19:41.536
Oh, okay.

01:19:41.636 --> 01:19:44.695
We were doing like sprints and handstands and pullups and shots.

01:19:44.996 --> 01:19:45.615
All sorts of stuff.

01:19:45.836 --> 01:19:47.735
Smoker joints and none of that.

01:19:47.845 --> 01:19:48.136
Yeah.

01:19:48.225 --> 01:19:51.336
Maybe a shot or two, but so super fun.

01:19:51.355 --> 01:19:57.496
And then got our number and said, well, I guess we had a fun, you know, like literally like an 18 hour first day.

01:19:57.775 --> 01:19:57.935
Right.

01:19:57.956 --> 01:20:04.655
And then, uh, the next week went out to dinner and, um, actually liked each other, you know, it wasn't just like the euphoria of the, the fun activity.

01:20:04.706 --> 01:20:05.216
Right, right.

01:20:05.216 --> 01:20:07.416
But it was, uh, actually like a, a deeper relationship.

01:20:07.515 --> 01:20:10.376
And funny story about her, actually, we.

01:20:11.025 --> 01:20:13.685
We, uh, so that was June 2nd, 2018.

01:20:13.685 --> 01:20:15.725
Started dating July of 2018.

01:20:16.765 --> 01:20:23.086
I proposed August 26th, 2019, and, uh, she needed a, a new passport.

01:20:23.796 --> 01:20:24.086
Okay.

01:20:24.086 --> 01:20:26.765
And, uh, we,'cause we had decided to get married in Mexico.

01:20:27.195 --> 01:20:27.485
Okay?

01:20:27.985 --> 01:20:31.286
So I said, well, you know, we need to get this done.

01:20:31.426 --> 01:20:34.605
You can either get your passport and your name, or you can, we can just.

01:20:35.256 --> 01:20:40.435
Do it once and basically get married and, and get your passport in, in my name.

01:20:40.775 --> 01:20:41.876
And, uh Oh, interesting.

01:20:41.886 --> 01:20:48.836
After a couple days of thinking about that, we actually, uh, legally got married August 29th, 2019, four days after I proposed just few days after

01:20:48.836 --> 01:20:49.195
engagement.

01:20:49.256 --> 01:20:49.636
Oh, cool.

01:20:49.636 --> 01:20:54.876
And then we, uh, the date that we celebrate and the date that we honor was, uh, January 20th, 2020.

01:20:55.216 --> 01:21:02.195
So, uh, that Mexico flew back to Denver, then got on a plane to go to Fiji for our honeymoon.

01:21:02.336 --> 01:21:02.636
Oh, wow.

01:21:02.636 --> 01:21:10.155
Came back from our honeymoon on February 1st, um, which was right about the time that the COVID murmurings were, were coming about.

01:21:10.155 --> 01:21:10.395
Mm-hmm.

01:21:10.456 --> 01:21:20.355
And so we were in the LAX airport and I remember watching a few, you know, whether Instagram or YouTube videos about, uh, this, this virus in, in China.

01:21:20.386 --> 01:21:20.676
Sure.

01:21:20.676 --> 01:21:24.996
And sure enough, a month later, the world shuts down and, uh, and all that.

01:21:25.055 --> 01:21:25.355
So we.

01:21:26.110 --> 01:21:28.211
Did you guys live together or anything before you got married?

01:21:28.430 --> 01:21:28.650
No.

01:21:28.720 --> 01:21:29.011
Nope.

01:21:29.011 --> 01:21:29.291
Nope.

01:21:29.350 --> 01:21:33.810
She moved in, uh, I had purchased, that was the third house I had purchased at the time.

01:21:33.871 --> 01:21:38.171
Um, I, I bought that in June of, uh, 2019, right before I proposed.

01:21:38.871 --> 01:21:42.690
And, uh, kept my roommates with me and then, uh, kicked them out around the first of the year.

01:21:42.690 --> 01:21:48.291
And she moved in after our, uh, our, our, you know, ceremonial wedding on in January.

01:21:48.671 --> 01:21:51.331
So yeah, she, she's great.

01:21:51.350 --> 01:21:54.251
And, um, she had a very successful career in, in real estate.

01:21:54.350 --> 01:21:56.610
She was making good money and all that.

01:21:56.610 --> 01:21:58.051
And then after, where'd she come from around here?

01:21:58.051 --> 01:21:58.890
Uh, she's from Loveland.

01:21:58.921 --> 01:21:59.211
Okay.

01:21:59.261 --> 01:22:01.091
State champion softball pitcher.

01:22:01.150 --> 01:22:01.730
Oh, okay.

01:22:01.730 --> 01:22:03.211
From Loveland High school class at two.

01:22:03.270 --> 01:22:03.570
My mom

01:22:03.690 --> 01:22:05.091
was a fast pitched softball pitcher.

01:22:05.091 --> 01:22:05.371
Yeah,

01:22:05.650 --> 01:22:07.451
I think she was class of 2004.

01:22:07.720 --> 01:22:08.011
Okay.

01:22:08.371 --> 01:22:08.570
Interesting.

01:22:08.711 --> 01:22:10.411
But, uh, yeah, she was, she was good.

01:22:10.470 --> 01:22:16.331
And then she, after we had kids, decided that she wanted to be a stay-at-home mom and us.

01:22:16.551 --> 01:22:19.011
It just really interesting how women's, uh.

01:22:19.706 --> 01:22:23.636
Kind of emotions get all tangled after kids and everything.

01:22:23.636 --> 01:22:30.716
And you know, she always wanted to do the real estate thing and just loved her career and still loves it, but just wants to be with the boys more.

01:22:30.716 --> 01:22:30.876
Yeah.

01:22:30.905 --> 01:22:36.676
Well for the, you know, she can go back in five years or eight years or something if she decides she wants to Yep.

01:22:36.815 --> 01:22:39.195
Or even dabble in a few years, you know?

01:22:39.345 --> 01:22:39.836
Exactly.

01:22:39.836 --> 01:22:40.076
Yeah.

01:22:40.336 --> 01:22:40.555
So

01:22:40.555 --> 01:22:46.235
she, she's still doing a little bit of work on the side, um, you know, select friends and family.

01:22:46.265 --> 01:22:46.555
Yeah.

01:22:46.615 --> 01:22:50.036
But, uh, yeah, largely just a stay at home mom and she's loving it.

01:22:50.095 --> 01:22:50.916
And Cool.

01:22:51.126 --> 01:22:58.475
We're debating the pros and cons of public school versus homeschool, versus charter school versus co-ops and, you know, I don't know the right answer to that.

01:22:58.475 --> 01:22:58.956
Is there a lead

01:22:58.956 --> 01:22:59.355
horse right now?

01:23:01.060 --> 01:23:02.121
It depends on the day.

01:23:03.100 --> 01:23:04.520
So we just moved out to Eaton.

01:23:04.761 --> 01:23:06.280
I love the little community out there.

01:23:06.421 --> 01:23:17.961
Um, kind of returning to Weld County and Fort Collins definitely will always have a special place for us, but, uh, Eaton, you know, we just, we've always desired to live in a small, in a small town and all that, so, yeah.

01:23:17.961 --> 01:23:20.001
We have more questions and answers today.

01:23:20.110 --> 01:23:22.041
Well, you just moved like a month ago or something, right?

01:23:22.041 --> 01:23:22.680
Yeah, two months ago.

01:23:22.740 --> 01:23:23.201
Two months ago.

01:23:23.520 --> 01:23:23.881
Memorial Day.

01:23:23.881 --> 01:23:24.041
Yep.

01:23:24.100 --> 01:23:25.480
And you've got like a little acreage or something?

01:23:25.480 --> 01:23:25.640
Mm-hmm.

01:23:25.720 --> 01:23:25.841
Right?

01:23:26.001 --> 01:23:27.801
A little uh, a few acres or something?

01:23:27.831 --> 01:23:28.961
Yeah, two and a half acres.

01:23:28.961 --> 01:23:29.161
Okay.

01:23:29.161 --> 01:23:30.801
And it's just kind of the dream.

01:23:30.801 --> 01:23:34.121
We'll have chickens at some point and, you know, different outdoor Yep.

01:23:34.121 --> 01:23:35.201
Water rights activities.

01:23:35.581 --> 01:23:36.121
Can you have horses

01:23:36.261 --> 01:23:36.640
or things?

01:23:36.671 --> 01:23:36.961
Yeah.

01:23:37.070 --> 01:23:37.520
Make hay.

01:23:37.860 --> 01:23:39.440
No horses, no cows, no pigs.

01:23:39.440 --> 01:23:40.600
That's about the only restrictions.

01:23:40.600 --> 01:23:41.081
No real water.

01:23:41.100 --> 01:23:42.081
You have a, well, probably not.

01:23:42.301 --> 01:23:42.761
Uh, no.

01:23:42.761 --> 01:23:43.961
Still city water, but, yep.

01:23:44.775 --> 01:23:47.756
Um, just those extra things, you know, taking care of the land.

01:23:47.815 --> 01:23:59.716
We want to have a pretty extensive garden at some point, you know, the chickens and, you know, I'm not, I'm not gonna go as far as I say homesteading, but, you know, we, we want at least to instill some of those values into the boys.

01:23:59.735 --> 01:24:00.996
And, um, you

01:24:00.996 --> 01:24:07.555
know, uh, gathering eggs and feeding the chickens is actually a pretty useful, uh, man developer.

01:24:07.626 --> 01:24:07.916
Yeah,

01:24:08.235 --> 01:24:08.555
I think so.

01:24:08.775 --> 01:24:12.956
And building, building the chicken coop and, you know, tending to those things.

01:24:13.055 --> 01:24:16.475
And, you know, boys, boys, boys don't do good.

01:24:16.775 --> 01:24:18.155
You know, what Hannah would like to do is, uh.

01:24:19.326 --> 01:24:20.216
Make goats milk.

01:24:20.966 --> 01:24:21.256
Yeah.

01:24:21.386 --> 01:24:22.935
We'll, we'll ask her our goat cheese.

01:24:22.935 --> 01:24:23.216
Yeah.

01:24:23.216 --> 01:24:23.496
Yeah.

01:24:23.496 --> 01:24:28.536
We'll, we'll, I found your new hobby, Hannah, our to-do list sourdough and goat cheese.

01:24:28.796 --> 01:24:31.176
Our to-do list is growing faster than it's shrinking.

01:24:31.376 --> 01:24:31.655
I'm sure.

01:24:31.836 --> 01:24:32.095
I'm sure.

01:24:32.095 --> 01:24:41.015
And so, uh, but the first weekend we moved in the, the ditch behind our house, the farmers ditch, you know, we back up just to the north of us is, I don't know, a hundred or a thousand acres of farmland.

01:24:41.115 --> 01:24:44.336
And the ditch broke, uh, on that Memorial Day rainstorm.

01:24:44.355 --> 01:24:48.256
And so the, our front yard just filled up with, uh, about 2 million gallons of water.

01:24:48.525 --> 01:24:48.815
Okay.

01:24:49.235 --> 01:24:51.695
So our neighbors and I, uh, nothing in the basement or nothing.

01:24:51.926 --> 01:24:52.935
Yeah, house is fine.

01:24:53.275 --> 01:24:54.376
Uh, fortunately, but it.

01:24:54.921 --> 01:24:57.051
That first weekend was definitely traumatic.

01:24:57.121 --> 01:24:57.411
Yeah.

01:24:57.470 --> 01:25:02.530
But, uh, the neighbors already had some of these trash pumps and I now own a three inch trash pump.

01:25:02.631 --> 01:25:06.171
And, uh, each pump pumps about 290 gallons per minute.

01:25:06.451 --> 01:25:10.770
So we're, we're roughly 2000 gallons a minute in aggregate between the seven pumps.

01:25:10.791 --> 01:25:14.011
And those pumps ran nonstop for two or three days.

01:25:14.030 --> 01:25:15.930
And, um, and that's happened three times.

01:25:16.150 --> 01:25:24.171
Uh, so the farmer has since rebuilt the ditch and, uh, hopefully we're kind of in the clear, but it, it was a stressful couple months

01:25:24.371 --> 01:25:30.051
I learned about pumps from, uh, a frack water, uh, moving business gal, uh, Emily mm-hmm.

01:25:30.480 --> 01:25:31.251
Some years ago.

01:25:31.430 --> 01:25:38.890
And when fracking kind of went down to nothing, COVID Nation and stuff, she got some work keep'em alive for doing sewer bypasses Yeah.

01:25:38.890 --> 01:25:40.011
And stuff like that for cities.

01:25:40.911 --> 01:25:45.011
And I was like, God, I must take like a bunch of pumps.

01:25:45.011 --> 01:25:45.251
Right.

01:25:45.251 --> 01:25:49.970
Because a sewer is like five feet wide and four feet tall or whatever.

01:25:50.951 --> 01:25:51.730
And she's like.

01:25:52.416 --> 01:25:56.746
Well, yeah, but my things are 16 inch lines, but we run at 240 PSI.

01:25:56.775 --> 01:25:57.065
Yeah.

01:25:57.485 --> 01:26:00.265
So you could grab a lot of poop in a tube.

01:26:00.326 --> 01:26:00.546
Yep.

01:26:00.685 --> 01:26:03.546
If you're running 200 PSI I've learned, as it turns out,

01:26:03.695 --> 01:26:06.666
I've learned a lot about stuff I didn't even know existed in months.

01:26:06.666 --> 01:26:07.506
And even in that case, last two months,

01:26:07.576 --> 01:26:10.225
like water moved at pressure through a hose.

01:26:10.376 --> 01:26:13.345
It's pretty crazy how much different it is than just a river flow.

01:26:13.565 --> 01:26:13.985
Oh, yeah.

01:26:14.055 --> 01:26:14.345
Yeah.

01:26:14.405 --> 01:26:18.586
And these little pumps, you know, they're 500 bucks, whatever, from Harbor Freight.

01:26:18.985 --> 01:26:19.105
Right.

01:26:19.326 --> 01:26:24.546
Um, and they're just little gas powered Honda engines and, and they just move a tremendous amount of water.

01:26:24.546 --> 01:26:24.786
Yeah.

01:26:24.786 --> 01:26:24.945
Yeah.

01:26:24.966 --> 01:26:27.065
And it still took us two days to move it.

01:26:27.086 --> 01:26:34.586
It just, then it, it's caused me to think about like these dams that, or even this, this Texas, you know, flood and everything.

01:26:34.586 --> 01:26:34.826
Sure.

01:26:34.826 --> 01:26:40.265
When they talk about this quantity of water, it's just, you can't comprehend how powerful it is.

01:26:40.265 --> 01:26:40.546
Yeah.

01:26:41.296 --> 01:26:41.515
Um,

01:26:41.815 --> 01:26:43.195
but thankfully we're, we're safe.

01:26:43.336 --> 01:26:44.996
Our kids are safe, our property's safe.

01:26:44.996 --> 01:26:47.076
Irrigation is, the repairs have been made.

01:26:47.095 --> 01:26:48.515
It shouldn't happen again too soon.

01:26:48.515 --> 01:26:48.796
Yeah.

01:26:48.865 --> 01:26:49.155
Yeah.

01:26:49.166 --> 01:26:51.155
We're, and if it does, we'll be prepared.

01:26:51.256 --> 01:26:56.076
But, you know, God's been really good to us, and, and we have a lot to be thankful for.

01:26:56.136 --> 01:27:03.996
And again, our, my primary role to steward what, what he's given us, and both, whether that's our property or, you know, finances or the business or the family.

01:27:03.996 --> 01:27:04.275
Yeah.

01:27:04.275 --> 01:27:05.515
Like, that's an important part.

01:27:05.815 --> 01:27:08.716
You mentioned your faith, uh, yeah, a couple times now.

01:27:08.905 --> 01:27:10.195
Were you raised in the faith?

01:27:10.256 --> 01:27:11.355
Was your dad raised in the faith?

01:27:11.355 --> 01:27:11.515
Yeah.

01:27:11.515 --> 01:27:13.076
Did that go back to grandpa or further?

01:27:13.076 --> 01:27:13.315
Yeah,

01:27:13.336 --> 01:27:13.555
no.

01:27:13.555 --> 01:27:21.475
Yeah, that's actually an interesting part of our story that I, uh, have, have recently learned, um, more, you know, around my grandpa's death last August.

01:27:22.855 --> 01:27:30.235
Um, you know, I've only known my grandparents to be faithful people and, and, uh, my parents, uh, that's all only memories I have.

01:27:30.296 --> 01:27:39.036
But come to find out, my parents, uh, became Christians when they were, uh, young parents and, and, uh, about when my dad, I think was like 10 or 13 years old, something like that.

01:27:39.305 --> 01:27:39.595
Okay.

01:27:39.595 --> 01:27:39.796
And so.

01:27:40.725 --> 01:27:52.685
Uh, really, you know, my kids, well, I guess myself, I was the first generation to be raised, you know, with the, the Christian traditions and, and yeah.

01:27:52.706 --> 01:27:57.605
You know, routine and whatnot and so, yeah, I remember going to, to church, uh, in Greeley.

01:27:57.605 --> 01:27:59.805
We went to Greeley Wesleyan for my childhood and okay.

01:28:00.430 --> 01:28:06.570
Uh, you know, Nancy Buckingham was the, the youth director and I'll like all, will never forget her and the impact she made.

01:28:06.570 --> 01:28:08.211
And, um, a few other people shout up to Nancy.

01:28:08.430 --> 01:28:08.650
Yep.

01:28:08.671 --> 01:28:14.251
And a guy, actually Trent, uh, Trent, uh, I think it's Trent Johnson.

01:28:14.350 --> 01:28:14.730
I'm his.

01:28:15.480 --> 01:28:17.881
I don't know his last name, but I remember him as Trent, the game guy.

01:28:18.070 --> 01:28:18.360
Okay.

01:28:18.621 --> 01:28:21.280
He was like the, uh, the youth activity director.

01:28:21.390 --> 01:28:21.680
Sure.

01:28:21.990 --> 01:28:25.440
Well, Trent owns, uh, Greeley Hat Works, and so, uh, a very kind

01:28:25.600 --> 01:28:26.320
business over there now too.

01:28:26.350 --> 01:28:26.640
Yeah.

01:28:26.640 --> 01:28:37.841
Very prominent, you know, well-known, uh, you know, Western Cowboy hat apparel company, and he's done, you know, hats for all sorts of famous movies and actors and things.

01:28:37.841 --> 01:28:38.480
He was recommended

01:28:38.480 --> 01:28:42.081
to me to get on the podcast here, actually, and I neglected to follow up.

01:28:42.150 --> 01:28:42.440
Yeah.

01:28:42.680 --> 01:28:48.360
I, I've bumped into him a few times as an adult, but I mostly remember him as a, as a kid and Sure.

01:28:48.470 --> 01:28:52.001
He's a tremendous, tremendous man and, uh, I'm sure has a great story.

01:28:52.180 --> 01:28:54.600
And, uh, he's just, he's a larger than life character.

01:28:54.600 --> 01:28:55.001
Yeah, cool.

01:28:55.020 --> 01:28:56.560
And, uh, definitely would endorse him.

01:28:56.720 --> 01:28:57.041
I don't know

01:28:57.041 --> 01:28:58.161
much about Wesleyan.

01:28:58.341 --> 01:29:00.041
Is that like, uh, I don't either.

01:29:00.041 --> 01:29:03.841
Where does that fit with, don't ask me anything about, we like God, we love Jesus.

01:29:03.990 --> 01:29:04.280
Yeah.

01:29:04.780 --> 01:29:06.320
How is your, do you sing?

01:29:06.421 --> 01:29:08.600
Is it traditional hymns and stuff, or more new age?

01:29:08.680 --> 01:29:10.081
E Jesus, my boyfriend kind of stuff.

01:29:10.520 --> 01:29:11.680
I, you're not there anymore.

01:29:11.680 --> 01:29:12.081
Anyway.

01:29:12.201 --> 01:29:14.680
I, I, as a kid, we sang.

01:29:15.525 --> 01:29:21.966
Children's songs, you know, as an adult and in college, you know, I was very active with Campus Crusade for Christ.

01:29:21.966 --> 01:29:22.166
Okay.

01:29:22.166 --> 01:29:29.886
And then as an adult in Fort Collins, you know, I, one time I attended ESUs Church, and then I attended Mill City Church, and then most recently, two Rivers Church.

01:29:30.155 --> 01:29:30.445
Okay.

01:29:30.626 --> 01:29:34.605
Now moving out to Eaton, we've been to Christ Community Church in Greeley a few times.

01:29:34.605 --> 01:29:34.805
Okay.

01:29:34.805 --> 01:29:36.845
We've been to Cowboy Church in, in Lucerne.

01:29:37.546 --> 01:29:40.966
Um, you know, generally I would describe myself as non-denominational.

01:29:41.076 --> 01:29:41.365
Yeah.

01:29:41.365 --> 01:29:41.485
Yeah.

01:29:41.595 --> 01:29:42.046
Fair enough.

01:29:42.185 --> 01:29:43.926
You know, the, the person of Jesus',

01:29:44.015 --> 01:29:47.046
we've got a redemption church as part of our Crossway network.

01:29:47.345 --> 01:29:47.685
Oh yeah.

01:29:47.706 --> 01:29:51.126
Um, we, yeah, we go to the Crossing, Jill and I, but Mountain View is kind of the Yep.

01:29:51.485 --> 01:29:52.206
Original branch of that.

01:29:52.345 --> 01:29:52.565
Yep.

01:29:53.185 --> 01:29:54.645
But they've got a redemption Pastor Aaron

01:29:54.796 --> 01:29:55.286
Santini.

01:29:55.286 --> 01:29:55.565
Yeah.

01:29:55.565 --> 01:29:55.765
Yeah.

01:29:55.826 --> 01:29:56.525
You know, know that guy.

01:29:56.555 --> 01:29:58.845
Podcast host candidate, potentially.

01:29:58.845 --> 01:29:58.966
Yeah.

01:29:59.046 --> 01:29:59.126
Previous?

01:29:59.145 --> 01:29:59.805
No, he's been on.

01:29:59.826 --> 01:30:00.286
Oh, he has?

01:30:00.286 --> 01:30:01.206
Oh, I'll have to be listen.

01:30:01.206 --> 01:30:01.326
Yeah.

01:30:01.326 --> 01:30:01.485
He's on

01:30:01.485 --> 01:30:01.966
with Daniel Smith.

01:30:01.966 --> 01:30:02.206
Yeah.

01:30:02.206 --> 01:30:05.805
That was like number 2025, something like that.

01:30:06.185 --> 01:30:07.886
I'm honored to share Same seed as him.

01:30:08.265 --> 01:30:08.485
Yes.

01:30:08.485 --> 01:30:10.006
Well, he, we didn't have that fancy coach.

01:30:10.735 --> 01:30:14.235
At that time we were sitting around a, across the table, I think at the time.

01:30:14.336 --> 01:30:15.076
Oh, bring him back.

01:30:15.076 --> 01:30:15.676
Season one.

01:30:15.676 --> 01:30:16.036
Oh, yeah.

01:30:16.095 --> 01:30:18.756
No, I, uh, first repeat customer just talked.

01:30:18.756 --> 01:30:19.716
I just talked to Aaron yesterday.

01:30:20.095 --> 01:30:21.876
No, Aaron Everett has been on like six times.

01:30:22.095 --> 01:30:22.756
Oh yeah.

01:30:22.815 --> 01:30:24.036
He sponsored the show for a while.

01:30:24.036 --> 01:30:25.355
He was our real estate expert.

01:30:25.626 --> 01:30:28.115
Well, maybe I'll get invited back six times.

01:30:29.565 --> 01:30:30.235
Maybe two.

01:30:30.286 --> 01:30:32.155
Let's, let's work on two first.

01:30:32.555 --> 01:30:34.355
I know insurance isn't the most captivating.

01:30:34.376 --> 01:30:34.595
Uh,

01:30:34.695 --> 01:30:36.916
do you wanna play the, uh, random question game?

01:30:36.916 --> 01:30:37.155
Yeah,

01:30:37.155 --> 01:30:37.435
let's

01:30:37.435 --> 01:30:37.636
do it.

01:30:37.746 --> 01:30:38.036
Okay.

01:30:40.695 --> 01:30:43.555
So you're gonna grab three of these balls?

01:30:43.555 --> 01:30:44.315
Mix them up real good.

01:30:48.185 --> 01:30:48.475
Okay.

01:30:48.746 --> 01:30:49.355
I'll take them.

01:30:49.565 --> 01:30:50.155
There you go.

01:30:50.176 --> 01:30:50.595
You can set

01:30:50.595 --> 01:30:52.836
that down on the floor, on the couch, whatever.

01:30:53.305 --> 01:30:58.235
Alright, so I've got question ball number four, 14 and 22.

01:30:58.456 --> 01:30:59.595
Do you have a particular order?

01:30:59.666 --> 01:30:59.956
It's

01:31:00.115 --> 01:31:00.275
interesting.

01:31:00.275 --> 01:31:01.916
22 is my, uh, favorite number.

01:31:01.945 --> 01:31:02.235
Well,

01:31:02.235 --> 01:31:02.716
let's start with

01:31:02.716 --> 01:31:02.956
that one.

01:31:03.086 --> 01:31:03.435
Great.

01:31:04.216 --> 01:31:04.956
22.

01:31:07.195 --> 01:31:07.485
Yeah.

01:31:07.485 --> 01:31:12.565
If you could live anywhere for three months, a year, where would it be and why?

01:31:13.746 --> 01:31:15.605
If I could live three months Yeah.

01:31:15.605 --> 01:31:18.086
Just three months, a year, every year, somewhere.

01:31:18.086 --> 01:31:18.966
Where would you choose?

01:31:21.225 --> 01:31:22.166
Uh, that's interesting.

01:31:22.565 --> 01:31:37.485
'cause it kind of, in some ways an answer to your question about school and leader in the clubhouse for what we're gonna decide, which, I don't know, one of the attractions of homeschooling would be not being tied into the children's school calendar.

01:31:37.485 --> 01:31:37.845
Mm-hmm.

01:31:37.985 --> 01:31:39.725
Um, you guys could travel and

01:31:39.725 --> 01:31:40.126
do stuff.

01:31:40.275 --> 01:31:40.565
Yeah.

01:31:40.746 --> 01:31:42.046
You know, live the hard stuff.

01:31:42.046 --> 01:31:43.046
Your work is pretty remote.

01:31:43.315 --> 01:31:43.605
Yeah.

01:31:43.605 --> 01:31:46.126
I, I can certainly function remote a lot.

01:31:46.326 --> 01:31:48.525
I would have to be in person some, but Sure.

01:31:48.905 --> 01:31:56.485
Um, but whether, you know, if we did traditional school and we had the summer, you know, months available, you know, this is kind of something that we're, we're interested in.

01:31:56.626 --> 01:31:57.246
So we Cool.

01:31:58.265 --> 01:32:01.445
Um, we, some of the places that we frequent, uh.

01:32:02.275 --> 01:32:05.595
I don't know if we would live in any of these places or commit three months every year.

01:32:05.595 --> 01:32:12.315
We definitely like new places, but we, we got married in Cabo, uh, go to Cabo every January, or at least have every year since we've

01:32:12.506 --> 01:32:12.796
cool.

01:32:13.086 --> 01:32:13.796
Known each other.

01:32:13.935 --> 01:32:18.636
Um, Hannah and I would love to spend extended time down there, whether in, in

01:32:18.945 --> 01:32:23.115
Jill and I are thinking about taking a road trip down there in the van, maybe not this year, but next year

01:32:23.536 --> 01:32:25.996
and, and there's little towns north of Cabo.

01:32:25.996 --> 01:32:26.435
Yeah, yeah.

01:32:26.615 --> 01:32:27.716
Um, that are just, yeah.

01:32:27.716 --> 01:32:30.636
All those tremendous, all beaches are great for surf beaches and stuff I'm hearing.

01:32:30.746 --> 01:32:31.036
Yeah.

01:32:31.036 --> 01:32:32.235
Moses does that.

01:32:32.305 --> 01:32:32.595
Yeah.

01:32:32.595 --> 01:32:33.275
We were just talking about it.

01:32:33.666 --> 01:32:33.956
Yeah.

01:32:33.956 --> 01:32:35.555
So definitely, you know, love that area.

01:32:36.136 --> 01:32:39.275
Uh, also love the mountains.

01:32:39.456 --> 01:32:41.435
Um, every summer we have taken.

01:32:42.786 --> 01:32:43.735
Maybe not every summer.

01:32:43.765 --> 01:32:53.775
Most of the summer since we've been married, we've taken a, uh, at least a few days, if not a week or more, uh, whether camp trip or Airbnb or whatever to a different mountain town.

01:32:53.916 --> 01:32:55.895
So we've been to Crested Butte.

01:32:55.996 --> 01:33:01.655
Uh, lake City's one of our favorites, Ray Telluride, Gunnison, uh, Montrose, uh, grand Junction.

01:33:01.786 --> 01:33:03.416
Those are a little more, you know, yeah.

01:33:03.645 --> 01:33:04.136
Plateau.

01:33:04.275 --> 01:33:04.775
But yeah.

01:33:05.291 --> 01:33:07.150
Uh, love, love any of those towns.

01:33:07.150 --> 01:33:07.951
Would love to live in.

01:33:08.451 --> 01:33:11.831
Uh, also spend a fair amount of time in Wyoming, uh, with my parents.

01:33:11.860 --> 01:33:14.030
They have a little place up there that, that's fun.

01:33:14.180 --> 01:33:16.911
What, where do they choose, uh, Glendale Little Reservoir Town.

01:33:16.911 --> 01:33:17.070
Sure.

01:33:17.070 --> 01:33:17.190
Yeah.

01:33:17.190 --> 01:33:17.270
Yeah.

01:33:17.411 --> 01:33:18.110
Uh, it's nice.

01:33:18.211 --> 01:33:25.791
So yeah, I mean, those would, those three spots would definitely, probably, uh, would warrant a spot, but we are already go there, so Right.

01:33:25.951 --> 01:33:28.631
I don't know, maybe, um, Italy or, you know,

01:33:28.900 --> 01:33:29.791
Bali or something.

01:33:29.940 --> 01:33:30.470
Fiji, yeah.

01:33:30.820 --> 01:33:32.551
Fiji was awesome, but so far away.

01:33:32.551 --> 01:33:33.591
Would you went three months a year there though?

01:33:33.690 --> 01:33:33.911
No.

01:33:34.161 --> 01:33:35.230
You'd be like, too, too far.

01:33:35.341 --> 01:33:35.631
Well,

01:33:35.631 --> 01:33:36.070
and it's small.

01:33:36.121 --> 01:33:37.791
After like two weeks you're like, okay.

01:33:38.011 --> 01:33:39.030
Saw all of this stuff.

01:33:39.261 --> 01:33:39.551
Yeah.

01:33:39.551 --> 01:33:40.831
Pretty much snorkeling every day.

01:33:40.940 --> 01:33:41.230
Yeah.

01:33:42.190 --> 01:33:44.430
I went to all five reefs, you know.

01:33:44.661 --> 01:33:44.951
Yeah.

01:33:45.621 --> 01:33:45.911
Yeah.

01:33:45.990 --> 01:33:47.390
I, I don't know what else, um.

01:33:49.060 --> 01:33:55.100
I, I think the idea of like living three months in an RV and seeing a variety of places Yeah.

01:33:55.100 --> 01:33:56.220
Would probably be more attractive.

01:33:56.720 --> 01:33:57.100
Um, alright.

01:33:57.180 --> 01:33:57.541
I like it.

01:33:57.541 --> 01:34:00.140
Well, maybe we can be a RV carpooler someday.

01:34:00.461 --> 01:34:01.501
'cause Jill and I would like to do that.

01:34:01.501 --> 01:34:01.701
Yeah.

01:34:01.701 --> 01:34:02.900
More and more as time goes on.

01:34:02.900 --> 01:34:04.100
We might go to Florida next year.

01:34:04.100 --> 01:34:05.541
Maybe I'll just borrow your rv.

01:34:05.930 --> 01:34:06.501
Yeah, you could.

01:34:06.820 --> 01:34:07.860
I, I'll run it to you anyway.

01:34:08.001 --> 01:34:10.301
The, yeah, the, yeah.

01:34:10.690 --> 01:34:15.581
Emergency response vehicle tank takes quite a bit of, uh, maintenance as it turns out.

01:34:15.640 --> 01:34:17.501
Uh, I'll rent it and you can maintain it.

01:34:17.701 --> 01:34:18.220
Right, exactly.

01:34:18.810 --> 01:34:20.621
Alright, number 14.

01:34:20.671 --> 01:34:21.421
Let's do, huh.

01:34:24.041 --> 01:34:28.341
What's the biggest mistake you've made in business so far?

01:34:29.970 --> 01:34:31.381
Biggest mistake.

01:34:35.100 --> 01:34:39.610
I don't, I'm just gonna say what comes to mind please.

01:34:39.810 --> 01:34:40.850
I value authenticity.

01:34:41.270 --> 01:34:46.890
Uh, I don't feel as though I've made any mistakes in the sense.

01:34:48.011 --> 01:34:50.820
Like nothing has really been catastrophically wrong.

01:34:51.011 --> 01:34:51.301
Yeah.

01:34:51.690 --> 01:35:00.140
However, I think if you asked me that in five years or 10 years, I think I would probably say not hiring someone sooner.

01:35:00.900 --> 01:35:01.341
I like that.

01:35:02.261 --> 01:35:03.820
I think it's

01:35:03.820 --> 01:35:05.701
easy to do not leaving your previous job sooner.

01:35:06.211 --> 01:35:06.501
Yeah.

01:35:06.501 --> 01:35:07.261
How do you feel about that?

01:35:07.921 --> 01:35:08.140
Uh,

01:35:08.211 --> 01:35:10.301
like I'm assuming it was the timing pretty good?

01:35:10.400 --> 01:35:14.020
You were early career and then after the big corporate thingy it became less and less fun.

01:35:14.740 --> 01:35:14.860
Probably

01:35:14.961 --> 01:35:20.740
the, it's really hard to quit on your dad, but I was disenfranchised with corporate for a while.

01:35:20.890 --> 01:35:21.180
Yeah.

01:35:21.360 --> 01:35:22.940
But in hindsight, the timing was perfect.

01:35:23.251 --> 01:35:23.541
Yeah.

01:35:23.541 --> 01:35:25.301
Um, and I wouldn't change anything about it.

01:35:26.240 --> 01:35:28.461
Um, and that's a whole nother spiritual discussion Sure.

01:35:28.461 --> 01:35:31.541
About God's timing and, and his provisions in Providence and whatnot.

01:35:31.560 --> 01:35:38.740
But, um, I think it's easy for me to say that, that I wanna, you know, pay down.

01:35:38.740 --> 01:35:41.140
Like I'd love to pay off our mortgage.

01:35:41.291 --> 01:35:41.581
Sure.

01:35:41.581 --> 01:35:44.261
You know, that's an ambitious goal.

01:35:44.680 --> 01:35:46.501
Um, I think it's easy.

01:35:46.975 --> 01:35:52.421
Uh, I'm kind of a control freak and it's easy for me to just control everything.

01:35:52.490 --> 01:35:52.780
Yeah.

01:35:52.780 --> 01:35:52.980
Yeah.

01:35:53.121 --> 01:35:54.621
And with humans, you have to trust them.

01:35:54.690 --> 01:35:54.980
Yeah.

01:35:54.980 --> 01:35:55.140
Yeah.

01:35:55.140 --> 01:36:02.900
And I, I'm, you know, not the most trusting person, and so I'm sure my biggest mistake would be something like, oh, I should have hired someone sooner.

01:36:03.360 --> 01:36:09.220
Um, I'm hoping to hire someone in the next 12 months, probably between January and March next year.

01:36:09.921 --> 01:36:12.220
Um, but even potentially as soon as August.

01:36:12.280 --> 01:36:15.220
It just depends on what the price range

01:36:15.280 --> 01:36:18.661
and depends, like if you get somebody that can actually help in the Exactly.

01:36:19.041 --> 01:36:21.661
In the fall season with the heavy season, that would be great.

01:36:21.680 --> 01:36:27.900
If you're trying to train somebody to not be a moron while you're in your busiest season, then that will be a hobble instead.

01:36:27.970 --> 01:36:28.461
Exactly.

01:36:28.680 --> 01:36:43.100
So those things are, are, uh, decisions, you know, strategic decisions, but I, I, uh, am grateful for the position I'm in, but also, um, eager to have that one or two people even, you know, just like I bought a star link satellite deal.

01:36:43.171 --> 01:36:43.461
Yeah.

01:36:43.461 --> 01:36:43.581
Yeah.

01:36:43.680 --> 01:36:45.621
Uh, so that we can go camping.

01:36:45.621 --> 01:36:45.900
Yeah.

01:36:47.011 --> 01:36:51.390
But I can't be entirely disconnected'cause there's no one else to pick up the slack.

01:36:51.390 --> 01:36:51.591
Yeah.

01:36:51.591 --> 01:36:51.711
Yeah.

01:36:51.730 --> 01:36:54.030
So that's a blessing and a curse, but, um,

01:36:54.591 --> 01:36:55.030
I dig it.

01:36:55.650 --> 01:37:02.791
Um, question number four is your final, and that is, uh, what would you estimate your burp to fart ratio to be?

01:37:04.780 --> 01:37:05.791
Burp to fart.

01:37:05.940 --> 01:37:07.070
Burp to far, like

01:37:07.070 --> 01:37:08.470
burp is the, the numerator.

01:37:08.701 --> 01:37:12.110
Fart is the denominator on a, you know, weekly basis.

01:37:12.551 --> 01:37:16.470
Probably just you average some days are strong in either, either category.

01:37:16.951 --> 01:37:17.190
I bet.

01:37:19.605 --> 01:37:21.666
One burp to five

01:37:21.916 --> 01:37:22.265
farts.

01:37:22.695 --> 01:37:22.985
Nice.

01:37:23.086 --> 01:37:23.945
That's pretty solid.

01:37:24.015 --> 01:37:24.305
Yeah.

01:37:24.305 --> 01:37:27.185
You, so you don't burp too much, but, uh, yield too d sometimes.

01:37:27.725 --> 01:37:30.506
No, I, so Hannah and I, um,

01:37:30.966 --> 01:37:32.506
oh, do you, do you play call my fart?

01:37:32.886 --> 01:37:33.105
No.

01:37:33.235 --> 01:37:33.786
Quite a bit.

01:37:33.926 --> 01:37:34.145
No.

01:37:34.256 --> 01:37:34.905
Have you seen that?

01:37:35.166 --> 01:37:35.386
No.

01:37:35.626 --> 01:37:37.426
I have no idea what you're talking about.

01:37:37.695 --> 01:37:42.945
It's where your spouse is supposed to try to just try to make the sound that your imminent fart is going to make.

01:37:43.645 --> 01:37:44.666
Didn't know this was a thing.

01:37:44.666 --> 01:37:44.905
Yeah.

01:37:44.905 --> 01:37:45.506
Get on the internet.

01:37:45.576 --> 01:37:46.345
It's pretty fun stuff.

01:37:46.445 --> 01:37:47.706
So you're like, call my fart.

01:37:47.775 --> 01:37:50.345
They go, I

01:37:51.025 --> 01:37:51.865
probably won't search that

01:37:52.025 --> 01:37:52.426
I had on.

01:37:52.426 --> 01:37:53.105
You would love that.

01:37:53.626 --> 01:37:54.065
I know it.

01:37:54.485 --> 01:37:56.865
But, uh, we, we,

01:37:56.966 --> 01:37:57.666
did I meet Hannah?

01:37:57.886 --> 01:38:01.185
Was she at Magic Rat with you one time for the Brothers Fountain show?

01:38:01.485 --> 01:38:05.105
She, we, so we had Brothers Fountain play at our wedding reception.

01:38:05.336 --> 01:38:05.626
Okay.

01:38:05.765 --> 01:38:05.985
Um.

01:38:06.935 --> 01:38:11.956
Not in Mexico, but we had a, a reception here, uh, locally that they, uh, performed at.

01:38:12.055 --> 01:38:14.076
And so we are big brothers, fountain fans.

01:38:14.315 --> 01:38:16.435
A JJJ, you know, shout, I feel, shout out to them.

01:38:16.796 --> 01:38:16.996
I feel

01:38:16.996 --> 01:38:18.676
like I remember meeting her there in that.

01:38:18.775 --> 01:38:18.996
Yep.

01:38:18.996 --> 01:38:19.595
So we have seen them.

01:38:19.605 --> 01:38:20.395
Noisy capacity.

01:38:20.395 --> 01:38:21.195
Maybe I've met her before.

01:38:21.275 --> 01:38:21.595
I don't know.

01:38:21.595 --> 01:38:22.355
Sometimes I lose track.

01:38:22.355 --> 01:38:22.716
I've been

01:38:22.716 --> 01:38:28.996
to Jamma land, done seen them at Magic Rat, seen them at other, you know, spontaneous deals and, uh, and whatnot.

01:38:29.055 --> 01:38:36.595
But, uh, Hannah and I, um, probably 18 months ago significantly reduced our, our alcohol consumption.

01:38:36.746 --> 01:38:37.036
Okay.

01:38:37.055 --> 01:38:37.515
And, um.

01:38:38.201 --> 01:38:40.180
For, so you're farting a lot more now because of that?

01:38:40.371 --> 01:38:41.341
Well, no, I'm burp.

01:38:41.421 --> 01:38:42.100
I don't burp ever.

01:38:42.121 --> 01:38:42.341
Oh.

01:38:42.341 --> 01:38:43.261
Because I don't, I don't drink.

01:38:43.261 --> 01:38:44.100
You don't drink beer anymore?

01:38:44.171 --> 01:38:44.461
Yeah.

01:38:44.461 --> 01:38:47.701
You know, I sip on, uh, bubbly, you know, seltzers and all that.

01:38:47.841 --> 01:38:48.461
Uh, bubbly.

01:38:48.461 --> 01:38:49.020
What do they call'em?

01:38:49.121 --> 01:38:50.020
See, those actually drift.

01:38:50.020 --> 01:38:52.501
Make me burp a lot more if you sip'em slow.

01:38:53.161 --> 01:38:56.301
No, but when the, if you chug a half a can'cause you're thirsty.

01:38:56.301 --> 01:38:56.701
Well, exactly.

01:38:56.841 --> 01:39:01.060
And that's what I'm trying to get to is the only time I burp is when I chug one of those bubbly waters.

01:39:01.060 --> 01:39:01.261
Okay.

01:39:01.440 --> 01:39:03.220
Um, but I don't, don't drink a lot of beer anymore.

01:39:03.240 --> 01:39:04.140
I'm, I mean, we're not What

01:39:04.140 --> 01:39:05.940
do you think makes you fart more than other things?

01:39:06.251 --> 01:39:07.060
Just being human.

01:39:07.371 --> 01:39:07.661
Yeah.

01:39:07.860 --> 01:39:08.180
I don't know.

01:39:08.220 --> 01:39:08.621
I don't fart.

01:39:08.661 --> 01:39:11.020
I don't Five spicy food, I guess day.

01:39:11.020 --> 01:39:11.541
That's not too much.

01:39:11.631 --> 01:39:11.980
Right.

01:39:11.980 --> 01:39:13.780
That's a Well you're only burping once

01:39:13.820 --> 01:39:14.621
a day then you're thinking.

01:39:14.850 --> 01:39:15.140
Yeah.

01:39:15.140 --> 01:39:15.621
Alright.

01:39:16.341 --> 01:39:16.740
I don't know.

01:39:17.220 --> 01:39:22.421
I feel like I'm a normal start tracking it way more, way more context than we needed,

01:39:22.600 --> 01:39:24.140
but, um, um.

01:39:25.451 --> 01:39:27.935
Would you like to talk about some current events or anything like that?

01:39:28.166 --> 01:39:28.456
Sure.

01:39:28.456 --> 01:39:28.735
Yeah.

01:39:28.996 --> 01:39:29.536
Uh, yeah.

01:39:29.536 --> 01:39:30.735
What, what is on your mind?

01:39:30.756 --> 01:39:32.336
And I probably have an opinion on it.

01:39:32.796 --> 01:39:36.136
Um, well, I guess the, the hottest current events.

01:39:36.136 --> 01:39:38.015
Well, we talked about Epstein slightly earlier.

01:39:38.015 --> 01:39:38.256
Yeah.

01:39:38.256 --> 01:39:42.775
But the Epstein, there's wild, you know, the list that don't exist, it's the Epstein list.

01:39:42.926 --> 01:39:43.216
Yeah.

01:39:43.716 --> 01:39:50.655
Um, but also like the more explosive is probably Trump saying Obama and treason in the same sentence.

01:39:50.655 --> 01:39:50.855
Yeah.

01:39:51.166 --> 01:39:51.855
More than once.

01:39:52.166 --> 01:39:56.336
Well, and today, this morning, I mean, today is what, Wednesday, July 23rd.

01:39:56.525 --> 01:39:56.815
Yeah.

01:39:56.836 --> 01:40:15.895
And Tulsi Gabbard gave a very heated, loaded press conference this morning, basically saying she has concrete proof that the Russia collusion, you know, Trump collusion deal was all spearheaded and coordinated by both Barack Hussein Obama and Yeah.

01:40:15.956 --> 01:40:16.176
And.

01:40:16.775 --> 01:40:17.095
Right.

01:40:17.095 --> 01:40:18.900
Hillary Clinton, Hillary Rodda, Clinton.

01:40:19.841 --> 01:40:20.780
Um, that's wild.

01:40:20.801 --> 01:40:21.421
If that's true.

01:40:21.520 --> 01:40:24.900
It it's a massive, uh, story, you know, treason.

01:40:24.900 --> 01:40:26.780
It, it's not a exaggeration.

01:40:26.951 --> 01:40:27.301
Right.

01:40:28.121 --> 01:40:39.740
And with the current political climate, I, I would like to see like substantiated, you know, proof and evidence, and I think people, you know, that, that I don't think we're, would, that

01:40:39.740 --> 01:40:42.100
could potentially wreck the Democratic party if true.

01:40:42.411 --> 01:40:49.940
Well, that, that's, that's what I was just gonna say is, you know, I don't think our country is as divided on Democrat versus Republican.

01:40:49.940 --> 01:40:50.301
Mm-hmm.

01:40:50.480 --> 01:40:53.341
As like, that's, that's the facade that exists, exists.

01:40:53.341 --> 01:40:53.701
It's a theater.

01:40:54.640 --> 01:41:03.621
The real separation is the haves and the haves nots and the, the top 1%, or the top one 10th of a percent and all of the rest of us.

01:41:04.440 --> 01:41:11.220
And I think if we saw it that way, um, I think the bottom 99%, I think we're, we're pretty similar.

01:41:11.440 --> 01:41:13.220
Now, yes, we may have different beliefs on.

01:41:14.270 --> 01:41:16.970
You know, whatever, marijuana or abortion or whatever.

01:41:17.070 --> 01:41:24.530
But I think the bigger issue is, is the people that, uh, seemingly don't have to play by the same rules Right.

01:41:24.591 --> 01:41:25.331
As the rest of us.

01:41:25.331 --> 01:41:25.610
Right.

01:41:25.610 --> 01:41:25.730
Right.

01:41:25.791 --> 01:41:27.930
And, um, thing I would like to see that exposed

01:41:28.060 --> 01:41:33.610
thing, this thing with the America Party and Elon Musk's kind of bromance failed with Trump and stuff.

01:41:33.680 --> 01:41:34.930
It's like, well, yeah.

01:41:34.951 --> 01:41:37.850
So, so we need one more party created by an oligarch.

01:41:38.240 --> 01:41:38.730
Exactly.

01:41:39.150 --> 01:41:39.371
Yep.

01:41:39.631 --> 01:41:43.530
You know, like where is the grassroots grassy?

01:41:44.240 --> 01:41:44.530
Yeah.

01:41:44.711 --> 01:42:03.930
And I, and then there's all the memes, you know, the endless it, endless hole of Instagram or, or whatever social media where, you know, it's, it's some caricature of like George Washington or Thomas Jefferson or whatever, saying like, what do you, you know, we, we had a revolution over 3% taxes or 2% taxes or whatever.

01:42:03.930 --> 01:42:05.411
And you guys are paying 40% tax.

01:42:05.740 --> 01:42:06.091
Right?

01:42:06.091 --> 01:42:06.211
Well,

01:42:06.211 --> 01:42:12.131
and you know, a hundred years ago there were a hundred private employees for every government employee, and now there's.

01:42:13.326 --> 01:42:14.416
Four or

01:42:14.416 --> 01:42:14.735
something.

01:42:14.735 --> 01:42:15.015
Yeah.

01:42:15.405 --> 01:42:15.695
Yeah.

01:42:15.775 --> 01:42:20.615
I, I think there's a lot of things that I, I don't know my, my political opinions.

01:42:20.796 --> 01:42:26.416
Any friends that are listening are probably laughing when I'm talking about this in a moderately politically correct way.

01:42:26.435 --> 01:42:28.456
But I think, um.

01:42:29.865 --> 01:42:35.345
I could be best described as like a, a capitalist wanting the free market enterprise to, to, to prosper.

01:42:35.626 --> 01:42:40.105
I think that would allow for innovation and, and, you know, exceptionalism to, to flourish.

01:42:40.246 --> 01:42:43.466
And I think that roots out and takes away some of these other incentives.

01:42:43.605 --> 01:42:48.225
But the problem is, whether it's insurance or other industries, is, I'm not sure anything's a free market now.

01:42:48.225 --> 01:42:48.626
Well, dirty

01:42:48.716 --> 01:42:50.985
deeds are done dirt cheap when you control the market,

01:42:51.206 --> 01:42:53.626
you know, and the government's got their hand in everything.

01:42:53.725 --> 01:42:59.746
And, and, uh, I would just like to see, you know, the, the power returned and, and continue to be with the people.

01:42:59.845 --> 01:43:03.546
And, you know, the constitution is meant to restrict the government mostly.

01:43:04.445 --> 01:43:19.466
And, um, and I think that that, you know, the government has just ballooned, like you said, you just tremendously, whether it's you to get into like the, the, the debt and the budget and the deficit and these things or, or you get into like social issues about, you know, you know,

01:43:19.615 --> 01:43:26.706
well, I mean, in the future we're gonna probably know about universal basic income of some sort or Exactly, you know, AI disruption to.

01:43:27.586 --> 01:43:29.435
Societies, how do you temper that?

01:43:30.216 --> 01:43:32.115
So, um, I, I don't know.

01:43:32.195 --> 01:43:37.916
I, I think that we, I, you know, many people wanna be in this, like, catastrophic doom or gloom.

01:43:37.916 --> 01:43:50.275
Like, you know, if we don't make a, a revolution this year, you know, we're never gonna be able to, I, I don't, I don't think we're that far off in the sense, I, I think that, um, America's still the best country to live in.

01:43:50.275 --> 01:43:50.435
Sure.

01:43:50.515 --> 01:43:53.996
I think we still have, you know, the longest major world power.

01:43:53.996 --> 01:43:56.155
We can carry a hundred trillion in debt instead of just 37.

01:43:57.576 --> 01:44:01.395
I'd prefer it to go down instead of up, but I don't think we need to pay it off immediately.

01:44:01.395 --> 01:44:01.636
Right.

01:44:01.636 --> 01:44:03.756
But at the same time, I, I don't know.

01:44:03.756 --> 01:44:09.876
That's, that's kind of having kids makes you think about legacy and, and, and the future.

01:44:10.095 --> 01:44:14.876
And, and I hope that I can pass on good, you know, legacy to my kids.

01:44:14.876 --> 01:44:15.076
Yeah.

01:44:15.076 --> 01:44:15.155
Yeah.

01:44:15.155 --> 01:44:21.315
Whether it's family, you know, family values or, you know, ethics or, you know, work ethic, whatever, or if it's.

01:44:23.030 --> 01:44:24.451
Or I, I don't know.

01:44:24.451 --> 01:44:27.610
But one of the things that we have to pass on is, is our freedoms.

01:44:27.610 --> 01:44:32.730
And, you know, that, I don't know which famous person said that we're one, one generation away from losing our freedom.

01:44:32.961 --> 01:44:33.251
Yeah.

01:44:33.270 --> 01:44:36.730
And every generation has to basically pay their version of the price.

01:44:36.871 --> 01:44:42.171
And sometimes that's, you know, with the cost of life and war and, and sometimes it's personal sacrifice.

01:44:42.421 --> 01:44:42.770
Right.

01:44:42.831 --> 01:44:43.610
And accountability.

01:44:43.791 --> 01:44:44.890
But, um,

01:44:45.480 --> 01:45:02.570
well, and you wonder what the, like, you know, we were kind of promised some, some JFK files and you know, some other stuff along the way and like, do we, are we confident, especially if, if EYs and, and Obama were Yeah.

01:45:02.661 --> 01:45:05.371
Conspiring to deprive the people of a vote?

01:45:06.041 --> 01:45:06.331
Yeah.

01:45:06.470 --> 01:45:06.690
Um.

01:45:08.126 --> 01:45:10.935
Like, maybe it's been 50 years since we were really a free country.

01:45:11.546 --> 01:45:15.095
Dunno even that like, you know, Democrat, Republican.

01:45:15.155 --> 01:45:26.256
It, it to me was very concerning this last year when, when the Democrat primary basically came and went, Biden was the, the presumptive, you know, appointed democratic.

01:45:27.216 --> 01:45:27.456
It didn't even

01:45:27.456 --> 01:45:30.015
have a symbolic gesture of a primary at the mm-hmm.

01:45:30.115 --> 01:45:31.015
At the convention or nothing?

01:45:31.036 --> 01:45:31.256
No.

01:45:31.256 --> 01:45:32.055
It was just like, nothing.

01:45:32.206 --> 01:45:32.496
Okay.

01:45:32.496 --> 01:45:34.576
Here's, and then, but then when,

01:45:34.805 --> 01:45:45.695
then when he resigned, then it's Kamala and it's just like, how, how can we pretend to be a democratic republic if we aren't doing anything close to the democratic process?

01:45:46.286 --> 01:45:46.775
Exactly.

01:45:46.796 --> 01:45:47.015
So

01:45:47.235 --> 01:45:56.576
did you hear about the, uh, the leaked New York Times actually leaked some of the, the early diagnosis of the postmortem of the, uh, Kamala campaign mm-hmm.

01:45:56.996 --> 01:46:01.015
And the like, it's like, well, because, uh.

01:46:02.015 --> 01:46:02.305
Yeah.

01:46:02.336 --> 01:46:06.185
Only 13% of the ads attacked Trump or something.

01:46:06.206 --> 01:46:13.826
And I dunno, it was basically everything, but we had a terrible candidate and Joe Biden and then a terrible candidate in Kamala Harris.

01:46:14.796 --> 01:46:15.626
We'll never know the, and

01:46:15.626 --> 01:46:20.706
tried to like blame the glass grassroots, not the party elites for the failings.

01:46:20.706 --> 01:46:20.945
Yeah.

01:46:20.966 --> 01:46:32.746
And we'll never know the answers to some of these questions, but it's fascinating for me to think about, like, there's a report after Kamala was the, you know, the, the appointed replacement for Biden.

01:46:32.746 --> 01:46:33.025
Sure.

01:46:33.256 --> 01:46:42.546
Allegedly there was infighting between like Obama and Biden and Clinton and all this about like, who that should be and, and Biden or Obama thought it should be somebody else.

01:46:43.046 --> 01:46:45.786
And even that, I would love to know the full story on.

01:46:46.345 --> 01:46:49.546
'cause again, getting back to whether it's insurance or whether it's politics,

01:46:49.935 --> 01:46:51.506
well ultimately it came down to the money.

01:46:52.060 --> 01:46:52.791
Well, that's the thing.

01:46:53.030 --> 01:46:57.711
'cause Harris was on the ticket with Biden, like the 170 million or something that had already been collected.

01:46:57.711 --> 01:47:00.190
They didn't, money would've had to give it back or something, sacrifice it.

01:47:00.331 --> 01:47:08.631
But that, that's what I'm trying to say is, is whether it's insurance or politics, like transparency is what, what I think the American people desire.

01:47:08.690 --> 01:47:09.110
Mm-hmm.

01:47:09.610 --> 01:47:14.470
And if we are in this, this free country by the people, for the people, it's what we deserve.

01:47:14.810 --> 01:47:20.511
And, uh, I would be supportive of anything that increases transparency.

01:47:21.530 --> 01:47:26.390
Um, you know, the light shines out the darkness Well, you know, in matters of faith

01:47:26.411 --> 01:47:27.070
and in government.

01:47:27.091 --> 01:47:27.511
That's

01:47:27.511 --> 01:47:27.631
right.

01:47:27.770 --> 01:47:41.631
And so, I, I just, you know, it's, it's, you talk about like ethic and everything, you know, that's, that some, I think my high school football coach said it this way of, um, your ethic is what you do when no one's looking right.

01:47:41.650 --> 01:47:41.871
And.

01:47:42.765 --> 01:47:50.586
You know, transparency kind of takes away that, that protection for these people that think that they're operating in the darkness and they'll never be found out.

01:47:50.655 --> 01:47:50.945
Yeah.

01:47:50.945 --> 01:47:51.586
And so, yeah.

01:47:51.586 --> 01:47:51.746
Yeah.

01:47:51.765 --> 01:47:52.786
Um, that's interesting.

01:47:52.786 --> 01:47:53.145
Anyways,

01:47:53.836 --> 01:47:54.826
let's do our final segment.

01:47:54.956 --> 01:47:55.305
Great.

01:47:55.695 --> 01:48:00.145
It's the low co experience, uh, which is the craziest experience.

01:48:00.286 --> 01:48:09.025
The craziest story day in the life, week in the life, uh, that Reed's willing to share with his, with our listeners and your potential future clients.

01:48:09.086 --> 01:48:13.185
So don't get too crazy Cake stands, anything like that.

01:48:14.985 --> 01:48:16.706
Craziest, crazy travels.

01:48:17.055 --> 01:48:17.345
Yeah.

01:48:17.345 --> 01:48:18.386
Near death experiences.

01:49:03.560 --> 01:49:03.850
Yeah.

01:49:03.850 --> 01:49:04.970
Lots of stuff coming to mind.

01:49:04.970 --> 01:49:05.291
Almost ask

01:49:05.291 --> 01:49:06.051
the wrong girl to marry you.

01:49:06.845 --> 01:49:07.805
I never had that problem.

01:49:08.265 --> 01:49:16.006
The problem I had related to that was, uh, girls would break up with me and say, Reid, you're the guy type of guy I'd like to marry, but I don't want to date you.

01:49:16.706 --> 01:49:17.805
And that was really hard.

01:49:17.935 --> 01:49:23.725
Still, I, I don't know what that means, but, um, I would say so a few things came to mind when you said that.

01:49:23.725 --> 01:49:27.926
So, the day that I met my wife is definitely one of my most memorable days.

01:49:28.166 --> 01:49:37.246
'cause it was literally like 8:00 AM until yeah, 2:00 AM of just all sorts of spontaneous, all different groups of friends.

01:49:37.305 --> 01:49:38.605
But we, we already talked about that.

01:49:38.605 --> 01:49:38.685
Yeah.

01:49:38.685 --> 01:49:38.886
You were

01:49:38.886 --> 01:49:39.845
journeyers together through that.

01:49:40.626 --> 01:49:45.086
It, it, again, if friends are listening, they know that I'm a pretty reserved person.

01:49:45.326 --> 01:49:47.206
I don't have a lot of like, crazy stories.

01:49:47.666 --> 01:49:51.286
Um, however, there was a time I, I took a.

01:49:52.296 --> 01:49:56.756
Uh, a 10, 11, 12 someday trip to Israel, uh, in 2019.

01:49:56.865 --> 01:49:57.155
Okay.

01:49:57.155 --> 01:50:02.195
In the fall of 2019, uh, there was about 20 of us from our church that did like a Holy Land tour.

01:50:02.466 --> 01:50:02.756
Okay.

01:50:02.756 --> 01:50:12.836
And we flew into Tel Aviv, we went down south, um, stood on the border of Gaza, came back north, hit the, you know, the Dead Sea, and, um, you know, all sorts of historical Sure.

01:50:13.076 --> 01:50:13.996
Religious sites along the way.

01:50:14.015 --> 01:50:19.916
And it, you know, ended up in Jerusalem, then went north into, uh, Bethlehem or something.

01:50:19.916 --> 01:50:23.555
Well, went to Bethlehem and then went to Capernaum, and then back down to Tel Aviv.

01:50:23.555 --> 01:50:35.756
And, uh, it, it, it was the, there's a town right on the border, and I'm sure it's been destroyed, uh, with the recent events, but there's a town on the border of Israel and Hamas in Gaza.

01:50:36.615 --> 01:50:41.475
And, uh, this town's called, I'm not sure I'm gonna say it correctly, stir ot.

01:50:41.506 --> 01:50:43.595
It's S-D-E-R-T-O-T.

01:50:43.595 --> 01:50:43.836
Okay.

01:50:43.836 --> 01:50:44.275
Something like that.

01:50:44.275 --> 01:50:44.475
Yeah.

01:50:44.475 --> 01:50:44.555
Yeah.

01:50:45.216 --> 01:50:49.876
We were in, in this town and, uh, the tour guide, her name was, um.

01:50:51.006 --> 01:50:54.376
Kira, uh, a, uh, messianic Jewish person.

01:50:54.515 --> 01:51:00.615
So, uh, spiritually, uh, yeah, believer in Jesus is the Messiah, like a cultural Jew, but a cultural Jew.

01:51:00.615 --> 01:51:00.735
Yep.

01:51:00.735 --> 01:51:00.975
Yeah.

01:51:00.996 --> 01:51:11.735
And so super interesting, like, yeah, uh, lady and, and t just her, like, she, she's a tremendous, um, couldn't say enough good things about Kira.

01:51:12.355 --> 01:51:15.655
Um, I'm sure she'll never hear probably, but you could send it to her podcast.

01:51:15.996 --> 01:51:37.055
But, um, she was telling us in this town of ot, uh, that at any moment if you hear the siren, you have seven seconds to get into one of the bomb shelters, because these spontaneous attacks from Hamas, and she pointed out as we were sitting, standing on the street corner, you know, just a normal four-way intersection, stoplight, and everything she pointed out, where all the.

01:51:37.836 --> 01:51:39.376
The bomb shelters were okay.

01:51:40.416 --> 01:51:43.775
I didn't, wouldn't have even noticed any of them prior to her pointing them out.

01:51:43.796 --> 01:51:44.015
Huh.

01:51:44.435 --> 01:51:49.456
But having seven seconds for those people to get into a bomb shelter if they hear the siren was like profound.

01:51:50.036 --> 01:52:00.496
And then we were walking past the, uh, police station and on the side of the police station, there was a pile of both used and unused, um, bombs.

01:52:00.796 --> 01:52:02.576
And they were obviously disassembled.

01:52:02.576 --> 01:52:02.775
Oh.

01:52:02.916 --> 01:52:04.176
If they were like, yeah, yeah.

01:52:04.176 --> 01:52:05.775
They were faulty of some sort, they would disd.

01:52:05.775 --> 01:52:05.975
Right, right.

01:52:06.036 --> 01:52:06.256
But

01:52:06.256 --> 01:52:09.735
there was, sometimes they crash and go boom, sometimes they just crash, stuff like that.

01:52:09.876 --> 01:52:16.655
And that just shows like how, how, um, unsophisticated the Hamas people are.

01:52:16.655 --> 01:52:16.895
Sure.

01:52:17.716 --> 01:52:24.256
And then after that we, we went down and we literally stood on the border of, of this town and of Israel and Hamas.

01:52:24.256 --> 01:52:28.695
And we looked over this hill and, and we prayed for, for that, that region in Gaza.

01:52:29.395 --> 01:52:30.615
I'm sorry, I keep saying Hamas.

01:52:30.615 --> 01:52:35.176
We stood on the border of Israel and Gaza and overlooked the area that Hamas was, was occupying.

01:52:36.011 --> 01:52:40.430
Prayed for the Hamas people and, and the, you know, the, the Gaza, the terrorist and Yeah.

01:52:40.430 --> 01:52:43.430
And then the, the people that were under their, their control.

01:52:43.570 --> 01:52:46.150
And, um, we finished praying.

01:52:46.570 --> 01:53:00.190
And while we were standing there, uh, there was another gentleman that was a local to that town that said you were certainly being looked at through a military, like a sniper rifle scope right now or something.

01:53:00.610 --> 01:53:07.190
Um, there's basically no risk of us being attacked because they know what the repercussions would be thereafter.

01:53:07.970 --> 01:53:13.791
But just know, like you probably like with almost a hundred percent certainty have a rifle cross hairs on you right now.

01:53:13.871 --> 01:53:14.070
Yeah.

01:53:14.230 --> 01:53:15.310
A rifle being pointed at you.

01:53:16.451 --> 01:53:21.671
And I mean, you talk about craziest experiences and so that's a memory that I'll never, never forget.

01:53:21.671 --> 01:53:21.871
Right.

01:53:21.871 --> 01:53:32.430
And I have pictures and everything, but then this conflict happens where the Hamas people go and do the terrorist attack on the, the Israeli, you know.

01:53:32.956 --> 01:53:34.400
Concert that was going on.

01:53:34.511 --> 01:53:35.161
Sure, sure.

01:53:35.161 --> 01:53:35.961
October 6th, whatever.

01:53:35.961 --> 01:53:36.240
Yeah.

01:53:36.240 --> 01:53:52.360
Then all the subsequent, you know, stuff and then seeing the pictures of what Hamas or what Gaza looks like now, and it just, it, it's wild to, to think that like humans are capable of doing this to each other and all that.

01:53:52.381 --> 01:53:56.720
So I know it's not the crazy story that you were probably hoping for, but No, I mean, it's pretty crazy, but it's pretty crazy.

01:53:56.951 --> 01:53:57.720
It's something, it would've

01:53:57.720 --> 01:54:01.921
been even better if a bomb would've come sailing in and yeah, thank God it didn't,

01:54:02.180 --> 01:54:02.400
um.

01:54:03.485 --> 01:54:11.145
But I mean, just some of this stuff, like we are so fortunate to live in the United States where one, we have the best political system in the world.

01:54:11.145 --> 01:54:12.065
Does it have its fault?

01:54:12.126 --> 01:54:12.506
For sure.

01:54:12.645 --> 01:54:14.506
Has it deviated from its original intention?

01:54:14.525 --> 01:54:14.945
For sure.

01:54:15.536 --> 01:54:18.105
It's still the best country in the world by, by structure.

01:54:18.926 --> 01:54:22.666
And then the blessing of the Atlantic Ocean and the Pacific Ocean Right.

01:54:23.006 --> 01:54:26.786
Are tremendous buffers for our, you know, our day-to-day safety.

01:54:26.786 --> 01:54:27.506
Keeps the crazy off.

01:54:27.506 --> 01:54:27.666
Yeah.

01:54:27.706 --> 01:54:28.065
A little bit.

01:54:28.405 --> 01:54:29.426
Um, and all that.

01:54:29.605 --> 01:54:30.345
So, yeah.

01:54:30.666 --> 01:54:31.065
I don't know.

01:54:31.336 --> 01:54:45.185
Hope people enjoy, I'd love to, uh, anyone that's interested in these conversations, I, I'd love to talk more about whether it's, you know, insurance stuff, you know, whether it's how to fix the system or join whatever Unify.

01:54:45.296 --> 01:54:45.586
Yeah.

01:54:45.695 --> 01:54:47.666
Talk about unifying raising money for kids.

01:54:47.666 --> 01:54:47.985
You know, I.

01:54:49.296 --> 01:54:52.296
I prefer, you know, small, intimate conversations.

01:54:52.395 --> 01:54:55.576
And, uh, I mean, we've talked for what, almost two hours and Yep.

01:54:56.155 --> 01:54:56.975
It goes so quick.

01:54:57.115 --> 01:55:04.855
But I, uh, I've always appreciated your friendship in part because you also enjoy, you know, intimate conversations, conversation, conversations, this setup.

01:55:04.916 --> 01:55:06.815
So here we're, I'm glad, uh, glad to do this.

01:55:06.975 --> 01:55:07.416
I didn't lead

01:55:07.576 --> 01:55:08.015
you astray.

01:55:08.195 --> 01:55:08.735
You did not.

01:55:09.796 --> 01:55:11.095
Um, well thanks Reid.

01:55:11.095 --> 01:55:12.975
It's been nice to spend this time with you.

01:55:12.975 --> 01:55:15.895
Thanks for being a Loco member and always an advocate.

01:55:16.155 --> 01:55:21.296
Uh, you know, years before you were able to become a member, you were always a encourager.

01:55:21.315 --> 01:55:22.136
So thank you for that.

01:55:22.136 --> 01:55:22.416
Thank you.

01:55:22.805 --> 01:55:23.655
It's one of your strengths.

01:55:23.805 --> 01:55:24.095
Yeah.

01:55:24.095 --> 01:55:24.376
Thank

01:55:24.376 --> 01:55:24.456
you.

01:55:25.015 --> 01:55:25.576
Godspeed.

01:55:25.586 --> 01:55:26.015
Thank you.

01:55:26.206 --> 01:55:26.855
Look'em up.

01:55:27.176 --> 01:55:28.775
Northern Colorado Insurance Agency.

01:55:28.845 --> 01:55:29.136
Yeah.

01:55:29.935 --> 01:55:30.015
Northern

01:55:30.275 --> 01:55:31.615
co insurance.com.

01:55:31.845 --> 01:55:32.576
Okay, there we go.

01:55:32.956 --> 01:55:33.416
Got speed.

01:55:33.416 --> 01:55:33.815
Thanks.