in this interview I talked to Cody
Berman of the Phi's oppai caste and he's
a 24-year old entrepreneur he started a
few companies at this point he spent a
little time in a corporate career if he
could call it that it was it was very
short and we get into a lot of the
details he actually started a muse style
business out of the 4-hour workweek and
it's an it's about disc golf he actually
made discs and we talked about that a
little bit he's a pretty serious
podcaster at this point in time and he
dabbles it a lot of different side
hustles we talk about the rule of 72 and
some other very important concepts along
the lines of like saving and compound
interest and Cody breaks it down in a
very simple way we get into the weeds a
little bit with Cody side hustles
including freelancing and Etsy
printables Etsy printables are something
that I am completely unfamiliar with he
tells us why it is a cool thing to get
involved with it seems to be evolving
and he didn't really have any experience
with Etsy printables beforehand but it
looks to be a pretty nice way to set up
a passive income stream you know once
you get things set huh like I said
Cody's a pretty busy dude and he's a
co-creator of the financial freedom
conference and it's in st. Louis there's
some other big hitters involved with
this conference including grant Sabatier
and Philip Taylor so if you haven't
heard of those dudes you should google
them and then you'll see that this
conference is a pretty big deal there's
going to be over 50 speakers and
something like a thousand plus attendee
my name is Doug Pennington by the way
and I normally talk about Amazon
affiliate marketing side hustles SEO
project management and a few other
lot more about financial freedom
financial independence and personal
finance in general so if you dig this
episode you should definitely check out
my interviews with Carl Jensen Mindy
Jensen and actually one of Cody's
business partners Julie Berninger so I
interviewed Julie a few weeks ago and
got connected with Cody through her so I
just
pull it on a thread and found a couple
people and I sent Kody an email he was
nice enough to chat with me so if you
dig this interview check out those
others check out some of the success
stories on this channel and without
further ado let's hear from Kody hey
what's going on it's Doug Pennington
here and I'm here with my new friend
Cody Berman how are you today what's up
man got to be here and for the people
that don't know you at all can you give
us a quick intro who you are and what do
you do all right I'll try to keep it
short and sweet for your Doug
so Cody Berman I'm currently 24 years
old I was in corporate banking for a
very short stint of my what you can call
career actually only seven months I quit
that corporate making job when I was 22
years old and I've been doing SOT
hustling and entrepreneurship
ever since wow I guess that's hopefully
that's enough for ya we can dig into
more of my stories we go through the
podcast so what what did your family and
friends think about the seven months in
a corporate gig which is like almost
nothing it's like a blink of an eye so
how did they react when you were like
hey I kind of want to explore other
options so kind of a mixed bag I got to
give a huge shout out to my mom because
she was super super supportive she's
been in this kind of sad hustle
entrepreneurship space and so she's like
go for Cody like you're gonna kill it
always just hit me with a lot of
positive momentum and I'm like okay
perfect some other people were like
you're an absolute idiot you're giving
up this huge it's a big paycheck job
like corporate banking pays very well
they're like you're so dumb
you could be making two hundred fifty
thousand and five years from now
whatever numbers they're throwing out
and I don't know man I just I went for
it I had a decent amount of support so
it wasn't just everybody telling me I
was an idiot it was some people telling
me that you can do this this is possible
and I jumped in headfirst awesome and
did you have like an entrepreneurial
streak in the past like as a young kid
yes so I was definitely a bit
entrepreneurial I never really got into
like some crazy shark tank venture when
I was like 12 years old or anything but
I did my first foray into
entrepreneurship was when I was 19 I've
co-founded a disc golf company we
actually manufactured the discs that
people throw and that was after I read
the 4-hour workweek and he talked about
sod hustling and not having to have your
money connected with your time on a
linear basis and I was like oh my god
like I have to go do this thing and so
yeah
first four I was 19 and I've been on a
side hustle grind ever since okay
interesting because I used to play disc
golf all the time I think I have like 20
discs so I was I was like oh cool we
have that in common have you ever been
to Bozeman Montana by chance I have not
no I used to live like a quarter-mile
from a pretty nice disc golf course so I
could go out walk the dog basically
every day take a disc and just toss it
around just for fun so that's pretty
cool like what challenges did you
experience like trying to launch it I
don't even know how you source it or get
it come up with the designs and then
marketing and all that stuff so take
your time like what was that like yeah
great questions and questions I really
wish that I knew the answers to back
when I started so we just started
bootstrapping this thing you could
imagine to 19 year old kids both came
from middle-class homes we didn't have a
lot of money we were really really boost
wrapping this thing so we went out and
tried to just DIY everything so we
literally emailed in total over 200
different companies for all the
different processes that go into making
a disc so we hit up like 70 different
prototyping companies because look
they're different from the companies
that make the molds who are different
from the companies that actually produce
the disc for you
so think 65 to 70 for each of those
types of companies we had this big
spreadsheet hitting them all up and I
mean either a they'd be so expensive
that they were just completely
unattainable for us or B they wouldn't
give us the time of the day because
we're these two 19 year old kids trying
to found this company definitely even
some hurdles so after you get all those
kind of setup like I'm sure you you felt
disks and like its if there's a little
dent or a blemish or anything like you'd
notice right away and those wouldn't
sell the process to actually create a
disc is so much more complicated than
you could ever possibly imagine and we
did not know that from the start so
trying to figure out that process was a
several month even more than a year
learning curve Wow
and is it's called arsenal disks is it
still around are you guys like still
dabbling with it we are still dabbling
we definitely slowed down a bit last
year because I'm sure we'll get into
here I've been doing a lot of other
different fun ventures and my my buddy
Jim who I co-founded the company with
he's doing his own stuff so we kind of
just put it on the back burner last year
we didn't do as much as we would like to
do but
the other things I was doing at a much
higher ROI so it's still in existence
people still buy discs from us it's just
not like my main revenue driver okay
and it was spine from the 4-hour
workweek which my audience is very
familiar with I didn't read it for a
while I think it was maybe like seven
years after it came out but did you try
to follow the model like pretty closely
yeah so the big thing for me again was
like I didn't want to be someone who had
to work forty hours a week to get X
paycheck I wanted to be someone who
could spend maybe more than 40 hours for
like five years a week and then build
this business or build this recurring
revenue stream that I can reap the
profits from in perpetuity so like I was
really fascinated by I guess delineating
my time and money like how those things
kind of coincide with each other I was
like I don't want to be someone where
it's just a linear thing I want to be
someone where it's more like an
exponential like a hockey stick yeah all
right and so one interesting thing right
so we're shifting gears a little bit and
I realized this cuz I'm into affiliate
marketing and side hustles and that's
what a lot of the audience is all about
however I realized there's a nice
intersection this Venn diagram where
people that are interested in side
hustles they potentially hate their job
they're interested in financial
independence even though they may not
call it that and really like we all just
want freedom with our time which goes
directly back to the 4-hour workweek and
some of the people that you know we
follow and your shelves right so your
podcaster and how'd you get into
personal finance and Phi yeah so that
happened after kind of the Tim Ferriss
4-hour workweek thing I was really
interested in this odd hustle stuff and
naturally I started searching like
because I want to make a bunch of money
honestly that's for from the very
beginning I was like you know what I'm
gonna be rich I'm gonna be driving a
Lambo and you just kind of go down the
you go down the rabbit hole you start to
meet these influencers these people who
are doing these amazing things I think I
did stumble onto mister money mustache a
year later when I was 20 who's for
people who don't know like one of the
biggest figure heads in this financial
independent space saw the things he was
typing about and like he had retired at
30 being an engineer and I looked at the
math and I'm a math guy
what to school for finance and economics
I'm like this checks out like this is
legit and so all of a sudden my brain
just got rewired my goals got completely
rewired instead of that Lambo I just
wanted unlimited time I wanted freedom
to hang up my friends freedom to spend
time with family freedom to travel and
take a month off if I wanted to and
that's ultimately I love that you said
that because I think that is literally
the bottom line that connects everyone
in this whole financial independence
side hustle entrepreneurship space is
that time freedom indeed thank you cuz I
again I'm like seeing the connection cuz
I'm I have my foot in both areas and I'm
I think I was just a little bit
interested in Phi and I think I found
pete's blog a few years ago when I was
trying to figure out what to do with
some excess money good problem to have
and then yeah it's just the the common
thread freedom with time and yeah it's
very interesting so you mentioned travel
and just I we do tangents here so
javanese like amazing travel stories
because obviously it sounds like you
have some free time at this point
leaving the corporate job behind yeah
man definitely more to come again I
mentioned I'm 24 so hopefully I have a
lot of life ahead of me where I can do
some traveling but I mean I lived in
Australia for five months and I was like
working on all my saath hustles during
then so I mean that's just that was
awesome in and of itself that I could
just go and like work on my computer as
long as I had Wi-Fi and let's see we're
recording this in March so four months
ago the entire month of December I spent
in South America and I could still do
all my stuff there if I needed to log on
or luckily I'd build some systems so I
didn't have to be to present but yeah I
mean like just kind of building a life
where you can go like take off a Friday
obviously these are way bigger examples
are taking a month off to go to South
America but if you have the Liberty to
take off a Monday without asking your
boss for permission because you know you
have a sick family remember they need to
bring to the hospital like that is the
ultimate that is why I'm doing this like
that's why I'm pursuing financial
independence it's not because I want to
quit my job or because I hate work or
anything like that it's just like being
able to control your time and not have
someone breathing down your neck saying
no Cody you can't do that today right
and we're gonna get into some of the
details of the side hustles and that
sort of thing but at this point in time
are you as I'm interviewing more people
a little
little backstory as I'm interviewing
more people in the five community we use
retire because that's what the press
calls it but a lot of times folks are
working but they're working on the stuff
that they want to work on so I assume
that that includes you because you are
indeed doing many things are you
financial independent
I'd like this question it's an
interesting question so there are many
definitions to financial independence as
well as retirement as well as financial
freedom so what I'm what I am I like to
call cash flow financial independent so
I don't have the I'm sure your followers
have seen like the four percent rule you
say if you want to live on forty
thousand dollars a year you save a
million dollars and in theory you can
withdraw that four percent that forty
thousand dollars and it will last you
for the rest of your life that's like
traditional financial independence what
cash flow Phi is and a lot of people in
real estate can relate to this I could
probably work five hours a week and
sustain my lifestyle with still having a
savings cushion so like I'm essentially
at the point where and again I'm single
I'm a guy I don't know kids so people
who are gonna bash me like what that's
crazy well life sells pretty cheap I'm
definitely a frugal guy but yeah having
that Liberty and having like the five
hours a week or less of time that I
actually have to work for non quote or
quote unquote have to work that's what I
call cash flow Phi or cash flow
financial independence okay and just to
restate it a different way like you can
cover your expenses based on the money
that you're earning from side hustles
real estate any other income sources
right yes
but the the caveat is that those income
sources are like I could do them for
five hours like if I was doing that in
making spending 80 hours a week I
wouldn't call myself financially
independent by any means perfect and I
think it's key to point out again like
with the depressed and a lot of the
media it is a much sexier headline to
say like 24-year old Cody retired and
blah blah blah but yeah but it's a
little more nuanced than that and I
think it's important to point out
because go-getters right you want to
stay busy you want to work on projects
you want to learn new things be
challenged each day so it totally makes
sense it's not that we were lazy it's
just we wanted work on the stuff that we
want to work on so cool absolutely all
right well let's shift into some of the
side hustles like what what are some of
your revenue streams out there yeah so
I'll try to go in sequential order so
the first one was the disc golf company
and then like you I kind of started my
first foray into being an online
influencer in any way shape or form was
my blog that was April 2018 after came
my podcast the FIFO then I started
getting into some freelancing because at
that point I was transitioning out of my
corporate banking job and I wanted to
have like just know that I could make
money online doing freelancing in case
she hit the fan and I needed to make
money so I was like okay I can do this I
made some money doing freelance writing
and audio editing and some video editing
stuff then this is a huge turning point
actually after this so it was January
31st of 2019 when I quit that corporate
banking job and um two months later I
actually went on a book tour with Grant
savatya who was the author of financial
freedom for three months around the
country and so that was just an
absolutely revolutionary moment in my
career as an entrepreneur and my career
as a person I met so many amazing people
grant has showed me so many amazing
opportunities super awesome guy and then
after that I started those side hustle
courses we've been talking about with my
good friend and she's also a podcaster
in the financial independence space
Julie from fire-drill podcast and I
think that's it okay
how did you land that book tour gig what
did you do yeah so what am i what i like
to call superpowers is networking and so
like i am not someone who takes no for
an answer i like if i get shut off at
the first door i'll go around the side
door five don't get in the side door
I'll go around the back door and I just
like make making things happen so this
guy grant I knew him from online from
millennial money that was his website
and he was a guy he retired again
retired at 30 with 1.25 million dollars
in the bank and he was like this this
big online presence in the make money
saved money space and I'm like alright I
saw that fincon this is a personal
finance creators event for people who
don't know what that is and I went up
and talked to him we had an awesome
conversation honestly talked for like an
hour and a half it was one of the last
nights
sent him a follow-up email the next day
crickets he didn't answer nothing I
waited like maybe five or six days later
hit him up again and the content
like hey man Cody here we had an awesome
conversation like I'd love to just work
with you in any capacity like I'll do
anything for free I just want to learn
how you operate I want to learn how to
be a successful entrepreneur like just
let me know I'll do anything to make
make your life easier and until finally
I hit him with a third email and he
finally answers and he's like oh hey man
like I just got a lot of emails so this
got lost in the Inbox
he's like I'd love to get some help on
my book tour and I was like oh sure like
I had no idea what that meant but I was
like yeah like I'll help you out with
your book tour let me know like I don't
have any experience of publishing or
anything but I can I can email people I
can make some media for you like
whatever you need me to do and so I was
working with him probably for a month
just like mostly outreach and planning
events and stuff then he's like hey like
you want to come on the book tour with
me and I was like yep and so yeah and so
this is well while I'm planning this I'm
still in more corporate jobs so I'm like
sending emails honestly like wow my work
on grants behalf and yeah then March 1st
of 2019 we kicked off the book tour for
three months 14,000 miles over 80 events
and it was crazy man holy cow and you
were like his right-hand person and took
care of whatever he needed on tour
yep took care of like scheduling
logistics email planning that type of
stuff okay interesting and I know from
the research that I did to like prepare
for this interview like you've made the
rounds and I have a hunch that you made
a lot of contacts on that book tour you
met a lot of people you went to fin con
at least one so I guess some of those in
persons and warm introductions must have
played a role can you expand on that a
little bit yeah I mean for me anyway and
I'm sure a lot of other people operate
like this even if they don't explicitly
say this like meeting someone and
shaking their hand and knowing like this
is a cool guy or this is a cool girl
that I'd want to just hang out with is
like the first step in having a
successful business relationship like if
you're someone who's super uptight even
if you have the best company ever you
have the best product ever like you're
not someone I want to work with and I
think a lot of people really do operate
like that like if you're someone that
someone wants to sit down and have a
beer with on a Friday night like you're
probably someone that that person will
want to work in a business sense too and
I think a lot of people operate
when they're networking like a robot
they're like hello I'm Cody Berman this
is my companies and like if you don't
talk to people like they're a real
person then you're not gonna get very
far at all so like that's one of the
things I do is like try to come to
someone even if they're like a
quote-unquote celebrity at like at an
event like a fin con or whatever your
niche might be and or you meet like say
Pat Flynn for example you just treat him
like a normal guy and you know get me a
handshake and maybe he'll be interested
to learn about you maybe not you get a
lot of nose and networking which kind of
sucks sometimes but being able to handle
those nose and you know jump up and get
ready for the next opportunity is super
super important so I cannot stress
networking enough for people who just
and there are a lot of people who are
introverted in there are ways to do it
if you are introverted I mean you could
even do it with like a nice warm email
like not just like some you know some
boilerplate plug-and-play the company
name and the person but yeah there's
just a lot of ways to do networking
right and I don't see people taking
advantage of those opportunities enough
cool in would you call yourself
extroverted or introverted
I'm definitely extroverted which is
which is an added benefit but I know
people were introverted who are also
very successful networkers and well I
was gonna say I'm pretty introverted I
won't claim that I'm a successful
networker but you and I are talking now
so sort of wiggled my way around but I
actually live pretty close
I live in Longmont I don't know if I
told you that but I live close by to
like Carl and Mindy Jensen and and Pete
mister money mustache I work at the
co-working space and it would have been
very easy to come come as a like fanboy
or something like that but luckily I was
just
I wasn't even super familiar with a lot
of the people that work out here it
triple mhq but there's a lot of cool
people and I've interviewed a few of
them and I think you definitely can do
it as an introvert but ya treat people
normally and don't make them feel weird
that's the big thing don't make people
feel weird have you had any experiences
where because you're a bit of a
celebrity now you've made friends on a
lot of these big she ate it yeah yeah do
you have do you have any fun stories
where if not if you don't want to
embarrass anyone we could skip it but
any fun if someone was not very fun to
talk to
yeah where maybe somebody came up and
like tried to
you know nail you down and talk to you
for like 45 minutes after you did a talk
or something Oh countless times I'm not
gonna Sh
I'm not gonna say any names here cuz I'm
not gonna embarrass anyone like you said
but like I bet people come up to me and
within two sentences that I'm talking to
me they're asking me to be an affiliate
for their course it's like that's not
how you network like why would I ever
want to work with someone like that it
was just like so in your face trying to
promote their own stuff like that's
another thing I didn't really mention is
like I'm always a giver first and then
if something something gets reciprocated
later on that's where you get the gravy
like you don't go into a networking
relationship begging or like just
attacking the person trying to get your
own products promoted or whatever the
thing might be that you want from this
person ultimately like that's not how he
that's not how you're supposed to
approach it so like with grant like I
mentioned before I was like hey man I
will work for you for free it wasn't
like hey grant tell me all your secrets
and like in Union LA it's not like well
how can i benefit myself it's how could
I make your life easier that's how you
should that's that's how I tell everyone
they should approach networking very
good and I would have talked just a
little about the five community - so I
haven't been to fincon I think I may
check it out this year but I've failed
like the five community to be like very
welcoming like really warm there's such
a diverse set of people and can you like
just talk about your experience a little
bit oh yeah man and that is a hundred
percent accurate you should definitely
go to fincon because there are a lot of
phi community folks there hopefully I'll
see you in 2020 and was Long Beach
California yeah but yeah so the first
kind of transformative event for me was
actually this thing called camp Phi or
can't financial independence and that
was in January of 2018 down in Florida
and the reason why I wanted to go there
one was because I like to fight immunity
but - I live in Massachusetts and it's
not warm in January so those are kind of
the two things that pushed me to go to
that event and I didn't really know
anyone I knew Jonathan and Brad from the
choose five podcast I knew a couple of
other names there but you know I was
like quote/unquote nobody nobody knew
who I was I didn't really know anybody
else but that weekend just absolutely
transformed my life because like I was
reading all these blogs listening to all
these podcasts watching YouTube videos
but until going at going back again to
the real person thing until I shook
hands with someone who's like yeah I
tired at 30 it feels so much more real
unattainable than just reading it on a
computer screen where you can't see the
person like it you just you don't get
that warmth of connection and so that
that first event there was probably
sixty five people and after that like
I'd probably keep in contact with twenty
or thirty of those people from that
first event on a weekly basis or
anything but I'm checking in every
couple of a breeze like six months to a
year or seeing them other events and
that event was absolutely transformative
for my whole career interesting in so
you're in Massachusetts like you're your
network they're your your friends and
and some of the folks that you hang out
there are they into this stuff like I
find it so important to have like
like-minded folks to pull you in a
certain direction and if you're not
careful they can pull you in the wrong
direction so I know just moving to
Longmont and being able to hang out in
person and go hiking on a random
Thursday or something like that has been
really cool so what's it like in your
home that you're at right now yeah so I
definitely have like different segments
of friends and they're all interested
different stuff like I have people who
I'm friends with just from this
community like from having the podcast
from networking at fincon from people
hear me on other podcasts like there's
Boston meetup groups all that stuff and
all those people they're all like-minded
I think they're all about this this
stuff
I'd say bits and pieces of Phi which is
just like a huge all-encompassing
umbrella the Cassatt hustle real estate
like I have friends were interested
inside hustling I have friends who are
like really interested in frugality
I have friends were interested in travel
rewards I wouldn't say all of them are
like fully embodying every single tenant
of Phi but definitely some of them have
commonalities with me that I could talk
to them about and it's a lot of fun like
you said talk and shop with people who
kind of get it very good and let's can
we talk a little bit more about mindset
and was there any like big shift for you
was there any like specific moment me I
guess maybe when you were in high slate
high school or like early college was
there anything where everything changed
for you yeah well the first one is
definitely the 4-hour workweek one that
was when I realized that like time and
money don't have to be linear and
linearly connected then I'm trying to
think I really had a good mindset shift
after the book tour like when you
take that many months off from the stuff
you're doing like I basically put a
pause on the blog the podcast we had
pre-recorded a bunch of episodes so that
was still going but like I really got to
take a step outside of my businesses and
then refocus on the highest ROI things
so I was doing so many things I got
spend three hours doing something that
literally had to no positive it that's
my business
just because I either like thought it
looked good or I thought it would have
some kind of impact but I feel like a
lot of people do do that too like you
get so trapped in the day to day of your
business that you never take that step
back and realize like am i heading in
the right direction like if you if you
for example we're just to make a bunch
like you spend so much time on a YouTube
video you spent like 20 hours creating
this five minute video and then you have
like a thousand people watch it like the
ROI is probably not there for you but if
you can identify those things that
obviously everyone listening and
watching it might be different for you
but if you can identify like those three
or five big things they're gonna move
your business forward that's when you
can really start to get ahead so I had a
huge shift in mindset and priorities
after that book tour when I kind of
recalibrated myself so what did you do
after that how did you implement started
building systems and hiring V A's for
stuff that wasn't worth my time or that
I could have a much higher ROI doing
something else so for example like I'm
super frugal and so I'd hate spending
money on even like software a $10 a
month software that would make my life
so much easier I would find the
workaround that would take me you know
even if it's like 10 more minutes
every time I did that tasks just cuz I
didn't want to pay that $10 per month
thing and now I've gotten over that and
it has just made my businesses one grow
and two just made my life so much easier
and I do not have to work as hard and as
long on certain things Cody yeah me too
man cuz it's like oh I could figure out
a free way to do this and why don't I
just spend 20 hours trying to figure out
how to like code this weird thing that
I'm supposed to integrate so did you use
like zapier or something like that or
what are some specific tools that you're
paying for now oh yeah okay perfect so I
love zapier I do have the paid versions
app here and that just like that makes
my life so much easier I can have forms
that automatically put people with
certain tags and my email list
I can have people get sent an email once
they opt into something like I love
zapier convertkit is another one that's
absolutely huge I was trying to do
everything for free on mail or light and
it's just not quite as functional as
convertkit can work it that's just so
much more optionality and the tagging is
superb and you can like put people
through year-long funnels if you want to
so can work it's another big one canva
pro I do a lot of like graphic design
type stuff especially with now that I
have the Etsy shop going so that was a
another one that I didn't want to really
invest in but I'm like you know what
it's so much better than just the free
version of canva what else do I use
QuickBooks that's another one that I was
just like I'd only use an excel sheet do
all my accounting and QuickBooks has
made that process so much better and
like I used to spend so many hours going
through and trying to figure out my
taxes and now it's just like basically
the export button Wow
that's pretty awesome yeah and and once
you start you know getting money in it
obviously it feels a little more
comfortable so you're not going into
whole or anything like that which as a
frugal dude you probably wouldn't be
doing that anyway so all right cool and
I know you're big time in debt to health
and fitness and stuff like that and you
you fed me something you sort of wanted
me to ask you about which I think it's
great cuz I'm I'm sort of I try to be
healthy but I actually drink a lot of
beer I'm a home brewer so I drink a lot
of beer like my alcohol but how does
health and personal finance like fit
together for you personally yeah well
first of all Dawg you look like a fit
guy so I don't know if you're gonna be
bashing yourself but I think there's so
many similarities or parallels you can
draw between personal finance and health
and health and wellness and like five
for example like a lot of people don't
want to go through the it is hard work
at first to kind of rewire like you're
spending because if you're you know the
big thing about fires just expend less
than what you make and invest the rest
that's like that's if you had to boil it
down to one sentence has pretty much
what financial independence is all about
and it's kind of the same thing with
like eating and dieting like it might
suck for the first week if you're if you
all you do is eat junk food and you
don't monitor the things you're eating
you're eating a ton of simple carbs and
processed foods and sugar and stuff yeah
that first weeks gonna suck maybe even
the first two weeks will suck but once
you kind of rewire the way your brain
thinks and you're like okay this healthy
food is actually pretty good it just
takes that one little shift and then the
rest of your life will be so much better
it's the same thing with money like you
could be living paycheck to paycheck and
if you do have the margin if the if the
reason why you're living paycheck to
paycheck it's because you're spending on
frivolous things and then you cut those
things out and realize like hey my time
is a lot more important than my money it
just takes that little mindset shift
that machen might take a couple weeks
maybe a couple months and then your
whole life is absolutely transformed
after that so when people ask me like
about financial independence I always
try to draw that parallel between like
health and wealth I think that's a
really good one to draw interesting in
have you read the book called the power
of habit by Charles Duhigg I have so
early in the book and I haven't read it
in probably 18 months or something I
need to reread it again but there is the
concept of the Keystone habit and I
can't remember exactly what it was but
if people go to the gym and workout even
if it's a terrible workout and they just
walk in the door put their their bag in
the locker and then walk around and then
go home after that it's it's better and
they end up being more disciplined and
they spend better their personal finance
improves and just everything like gets
better if they can like basically delay
gratification like the whole thing is
delayed gratification so I I definitely
think it goes hand in hand and it's hard
it sucks when you're you know thinking
about food I in a minute fast pretty
often when you do that that helps a lot
do you find like mental benefits as well
a little bit I definitely have more
clarity I think when I don't know it
definitely helps just like fine-tune my
my body in mind as corny as that might
sound yeah like how often do you do it
like what's your protocol there's a lot
of different approaches yeah I do it
every day so I don't start eating till
noon every single day and I usually try
to cut off at 6:00 I try to keep do a
6-hour eating window I cheat on the
weekends absolutely because I drink
pretty much every Friday of Saturday and
then drinking leads to eating not so
good food so those cheat days but all
the good days on normal days that we
I'm typically eating in a six-hour
window and eating a really clean diet
okay and do you have any like any social
issues like you want to hang out with
some other friends and go to trivia on
say a Wednesday night is it kind of
weird where you're like you know what
I'm stopping eating I'm not drinking
anything and you're just like drinking
water or are you able to like tailor it
pretty well to exactly how you want to
you know handle your your social life
yeah I'm definitely pretty flexible I'm
definitely like an 80/20 guy like I if
it's gonna impact my social life like I
like going out and for example like I'd
like I'd go out and on a Wednesday night
and go to trivia eight o'clock and have
a couple beers like that's fine as long
as I'm like good 80% of the time I can
screw around the other 20% of the time
I'm a big big believer now I really
don't think if I were someone and if I
were feeling like restricted in any way
shape or form or unhappy and I wouldn't
want to be doing this but it's fun and
I'm feeling good about myself and I'm
still enjoying myself when I want to
awesome yeah I think I ended up doing
that to just you know you want to go out
and hang out and I'd like to try new
beers and all that stuff and there's
plenty of breweries around here so
alright that's digging a little bit for
the Etsy shop that you have I'm
basically completely ignorant on Etsy
can you describe number one what it is
for the people that have like no clue
and then what do you sell on your shop
yeah so I'll give a shout-out to my
business partner Julie cuz she turned me
on to this I had no idea I'd like never
really been on Etsy and I know a lot of
my guy friends I know Etsy it's like 85%
women or something like that I didn't
even know you could make money on that
see but she showed me that she was
making all this money making these
bachelorette party printables like all
these games that people would print out
and play at their their bachelorette
parties and I was like wow people like
are paying you money for that and you
just make the design once and then you
can kind of collect profits and
perpetuity I was like alright that's
really cool and so we teamed up and
built three different song hustle
courses the most popular one was this
Etsy one so I hopped on and I started
building up my Etsy shop and it was
doing pretty good but it wasn't until
the week of Valentine's Day so I made a
bunch of these like Valentine's Day
themed printables like I made love
coupons I made these like custom
Valentine's Day cards I made like class
from Valentine's just all this different
stuff because one of the big thing
that's not Etsy is like if you can keep
up with
trends it will really reward your wallet
online earning,make money online, earn money online, online earning, online earning sites,
make money online free, online money income, earn money online free, money online, best way to earn money online, online income site, money earning websites, best online earning sites, easiest way to earn money online, earn money payment bkash, online money income site
Posts
No comments:
Post a Comment