WEBVTT 1 00:00:00.000 --> 00:00:02.160 Evan, just check that we're streaming. 2 00:00:03.400 --> 00:00:06.600 Yep, just checking in, not yet. 3 00:00:08.360 --> 00:00:10.640 We're close, usually takes the- 4 00:00:10.640 --> 00:00:12.920 Takes a second, just about there. 5 00:00:17.600 --> 00:00:20.200 Okay, we are live, I got us. 6 00:00:20.200 --> 00:00:21.840 Rock and roll, man, go. 7 00:00:21.840 --> 00:00:24.960 Hey, welcome back, everyone. 8 00:00:24.960 --> 00:00:28.680 This is such an adventure session 13 of 29 9 00:00:28.680 --> 00:00:32.159 in our rollercoaster weekend of action. 10 00:00:32.159 --> 00:00:37.160 And we are really so, so pleased 11 00:00:37.160 --> 00:00:40.080 to be here with David and Boyd. 12 00:00:40.080 --> 00:00:43.320 And we're going to be talking about banking and insurance 13 00:00:43.320 --> 00:00:46.120 and infrastructure for disabling nations. 14 00:00:46.120 --> 00:00:47.600 It's going to be pretty wild 15 00:00:47.600 --> 00:00:50.360 and you're going to be blown away 16 00:00:50.360 --> 00:00:55.360 to hear what they've been able to accomplish 17 00:00:55.560 --> 00:00:59.080 through a concept that we've been talking about 18 00:00:59.080 --> 00:01:01.200 a bunch so far in the summer 19 00:01:01.200 --> 00:01:05.040 is the power of us actually working in community. 20 00:01:05.040 --> 00:01:07.680 So we're really, really intrigued 21 00:01:07.680 --> 00:01:10.080 and excited to explore this more, 22 00:01:10.080 --> 00:01:12.960 but Boyd, it would be wonderful 23 00:01:12.960 --> 00:01:15.120 if you'd like to open up for us in prayer 24 00:01:15.120 --> 00:01:18.520 and then let's light up this adventure. 25 00:01:19.520 --> 00:01:24.600 Father, we thank you for this opportunity 26 00:01:24.600 --> 00:01:27.840 to be gathered in the fullness of time 27 00:01:27.840 --> 00:01:32.280 as you're recapitalizing all things in heaven and earth 28 00:01:32.280 --> 00:01:36.760 through your son, who come Lord and visit us, 29 00:01:36.760 --> 00:01:40.720 come and release your power for wealth creation 30 00:01:40.720 --> 00:01:43.680 that we can be confirming the covenant together 31 00:01:43.680 --> 00:01:45.240 in ways that bless your heart. 32 00:01:45.240 --> 00:01:47.400 And we pray these things in the name of the Father, 33 00:01:47.400 --> 00:01:49.240 the Son, and the Holy Spirit, amen. 34 00:01:51.240 --> 00:01:52.400 Amen. 35 00:01:52.400 --> 00:01:57.280 Now, Seb, I know that one of your favorite verses 36 00:01:57.280 --> 00:02:00.040 is in Deuteronomy. 37 00:02:00.040 --> 00:02:01.760 Do you want to share your favorite verse with us there, 38 00:02:01.760 --> 00:02:02.960 Seb, from Deuteronomy? 39 00:02:02.960 --> 00:02:05.840 And then I'd love to hear Boyd 40 00:02:07.160 --> 00:02:10.440 talk through some of these really powerful principles 41 00:02:10.440 --> 00:02:12.840 that are embedded in Deuteronomy 42 00:02:12.840 --> 00:02:15.600 that actually are core to disabling nations. 43 00:02:16.560 --> 00:02:20.880 So, good, I used to think the first, you know, 44 00:02:20.880 --> 00:02:24.560 after Exodus, the next three books were a little boring. 45 00:02:24.560 --> 00:02:29.480 Then I really read them and I discovered, you know, 46 00:02:29.480 --> 00:02:33.960 firstly, my favorite verse in there is Deuteronomy 8.18, 47 00:02:35.000 --> 00:02:37.200 which is, for as the Lord your God 48 00:02:37.200 --> 00:02:40.720 who gives you the ability to produce wealth, 49 00:02:40.720 --> 00:02:43.760 for it so confirms your covenant with him, 50 00:02:43.760 --> 00:02:46.360 meaning the production of wealth 51 00:02:46.360 --> 00:02:50.360 is inherently a part of what confirms your covenant 52 00:02:50.360 --> 00:02:54.800 with God and that whole journey has changed my life. 53 00:02:54.800 --> 00:02:57.520 But I know you've got another favorite one 54 00:02:57.520 --> 00:02:58.840 that's a little later in the book. 55 00:02:58.840 --> 00:03:00.600 So hit us through that one. 56 00:03:03.000 --> 00:03:06.520 And I think you may be thinking about Deuteronomy 28. 57 00:03:07.680 --> 00:03:10.360 There are a couple of verses there 58 00:03:10.360 --> 00:03:14.480 on the blessing side of that passage, verses 12 and 13, 59 00:03:14.480 --> 00:03:18.240 where what the Lord is telling us as his people 60 00:03:18.240 --> 00:03:22.560 is that he's going to make us the lender to many nations 61 00:03:23.440 --> 00:03:24.960 and you should not borrow. 62 00:03:24.960 --> 00:03:26.520 Then the next verse, 63 00:03:26.520 --> 00:03:29.920 the Lord shall make you the head and not the tail. 64 00:03:29.920 --> 00:03:33.240 So let's go with like what lenders do. 65 00:03:34.200 --> 00:03:38.120 Lenders, let's say they lend capital. 66 00:03:38.120 --> 00:03:41.120 Now you can spell that word out 67 00:03:41.120 --> 00:03:43.920 and then you can go down to head. 68 00:03:43.920 --> 00:03:48.560 That is the word that's connected with the idea of capital. 69 00:03:48.560 --> 00:03:50.720 The capital of your body is your head. 70 00:03:50.720 --> 00:03:54.480 So we use the word capital in the English language 71 00:03:54.480 --> 00:03:59.160 for capital financially and for capital cities. 72 00:03:59.160 --> 00:04:00.760 It's the same spelling. 73 00:04:01.640 --> 00:04:06.640 Whoever is actually the lender is the head, the capital. 74 00:04:07.520 --> 00:04:12.520 So I don't care who your political officials are, 75 00:04:13.080 --> 00:04:14.520 whoever is banking, 76 00:04:15.440 --> 00:04:18.279 whoever is in control of the capital for banking 77 00:04:18.279 --> 00:04:20.200 is actually the cultural leader. 78 00:04:21.160 --> 00:04:23.840 And that's what we're supposed to be. 79 00:04:23.840 --> 00:04:28.840 So there's a very interesting verse in Ephesians 1.10. 80 00:04:30.160 --> 00:04:35.160 It speaks about Christ as the one who, 81 00:04:35.720 --> 00:04:38.560 the recapitalization, it's sometimes translated 82 00:04:38.560 --> 00:04:41.360 as the summing up of all things in heaven and on earth. 83 00:04:41.360 --> 00:04:43.960 Well, a body is summed up in the head. 84 00:04:43.960 --> 00:04:47.080 The actual word there in the Greek 85 00:04:47.080 --> 00:04:50.000 is the idea of recapitalization. 86 00:04:50.000 --> 00:04:53.520 Christ is recapitalizing all things in heaven and on earth. 87 00:04:54.680 --> 00:04:55.920 He's the new head. 88 00:04:57.800 --> 00:05:00.360 What Adam failed to do, Christ has succeeded. 89 00:05:00.000 --> 00:05:06.500 seated in doing. He's the new corporate man. Okay. And so all 90 00:05:06.500 --> 00:05:10.980 things in heaven and earth are being recapitalized by Christ in 91 00:05:10.980 --> 00:05:16.980 his body. All right. Christ's body is not headless. And Christ 92 00:05:17.180 --> 00:05:20.580 is not just a head without a body, that the body of Christ is 93 00:05:20.580 --> 00:05:24.360 a head and a body we are together with him being called 94 00:05:24.360 --> 00:05:30.800 to recapitalize all things in heaven and earth. How about that, 95 00:05:30.960 --> 00:05:31.360 Benji? 96 00:05:31.840 --> 00:05:38.080 Yeah, man, that, that is, that is so wild. And I'd be good to 97 00:05:38.080 --> 00:05:41.400 hear for people who don't know, whereabouts are you based? So 98 00:05:41.440 --> 00:05:43.400 Dave, where are you sitting right now? 99 00:05:44.160 --> 00:05:48.440 I'm sitting in Minnetonka, Minnesota. It's in the western 100 00:05:49.040 --> 00:05:52.440 metropolis of the Minneapolis St. Paul area. 101 00:05:52.600 --> 00:05:55.880 Yeah, nice. And Boyd, where are you? Where are you based? 102 00:05:56.480 --> 00:05:58.440 Colorado Springs, Colorado. 103 00:05:59.040 --> 00:06:04.240 Very nice. Cool. Well, it's, it's cool to be here. I mean, 104 00:06:04.240 --> 00:06:07.720 since in California, I'm in New Zealand. And we're now seeing 105 00:06:07.720 --> 00:06:11.120 this. I mean, it's just an amazing time in history where 106 00:06:11.120 --> 00:06:14.240 from all over the world, we can gather together. And it's given 107 00:06:14.240 --> 00:06:20.080 the given us the ability to do community. And in the past, you 108 00:06:20.080 --> 00:06:22.840 know, you might have had a few people who had similar thoughts, 109 00:06:22.840 --> 00:06:25.080 but they might have been dispersed all around the world. 110 00:06:25.080 --> 00:06:28.680 But now we have the opportunity just to align, to connect, to 111 00:06:28.680 --> 00:06:34.080 converge, to strategize, to work together. And I think one of the 112 00:06:34.080 --> 00:06:38.120 keys to be able to work together is having a genius blueprint. 113 00:06:38.160 --> 00:06:41.080 And I think that that's something that you guys have 114 00:06:41.400 --> 00:06:46.680 really created in your community, that is creating, I've 115 00:06:46.680 --> 00:06:49.560 never seen, I haven't seen anything like it on the planet 116 00:06:49.560 --> 00:06:52.400 of what you guys are doing. And so if you guys want to just, 117 00:06:52.440 --> 00:06:55.600 you know, between you give us a little bit of an overview of 118 00:06:55.600 --> 00:07:00.280 what's happening in your community. And because I know 119 00:07:00.280 --> 00:07:03.040 that when people start to see it, they're just gonna be crazy 120 00:07:03.040 --> 00:07:04.880 blown away by what you guys are creating. 121 00:07:07.840 --> 00:07:12.680 So what's happened is for Dave and I will just go back and 122 00:07:12.680 --> 00:07:16.760 forth. And you guys can keep us on track of the journey that 123 00:07:16.760 --> 00:07:21.600 we've been on. For my wife, Sheila, and I, we had a had a 124 00:07:21.600 --> 00:07:26.760 real knock in 2008. With our friends and family, we lost, we 125 00:07:26.760 --> 00:07:32.440 lost, you know, 1.5 million plus in value, and watching wealth 126 00:07:32.440 --> 00:07:35.560 disappear in that market downturn. And one of the things 127 00:07:35.560 --> 00:07:41.360 that became apparent during that hard time was that if we were 128 00:07:41.360 --> 00:07:45.480 going to reinvent ourselves, it wasn't a matter of just trying 129 00:07:45.480 --> 00:07:49.000 to find a way to do investing better, we need to figure out 130 00:07:49.000 --> 00:07:52.920 how to do banking, and not as a customer, but as an owner on the 131 00:07:52.920 --> 00:07:56.080 banking side, we needed to switch positions at the desk 132 00:07:56.080 --> 00:07:59.440 from customer to owner on the banking side of the financial 133 00:07:59.440 --> 00:08:04.640 world. Because when it comes to creating wealth, the Deuteronomy 134 00:08:04.680 --> 00:08:10.480 818, there's a couple ways that wealth, we want to just narrow 135 00:08:10.480 --> 00:08:14.200 it down to the tool of money for a moment, we could say there's a 136 00:08:14.200 --> 00:08:18.960 couple ways to create an income or to create income streams. And 137 00:08:18.960 --> 00:08:22.920 there's really only two fundamental ways. One is people 138 00:08:22.920 --> 00:08:25.920 make money. And the other is money makes money. 139 00:08:27.760 --> 00:08:32.559 Investing is not money making money. If you don't have people 140 00:08:32.559 --> 00:08:35.400 at the end of your investment making money, your investment is 141 00:08:35.400 --> 00:08:38.640 going to be worth zero. I have rental properties, and it's 142 00:08:38.640 --> 00:08:42.080 still a people has to write a rent check. It's a people 143 00:08:42.080 --> 00:08:46.480 dependent business investing is. So there's two kinds of 144 00:08:46.480 --> 00:08:49.840 work. There's us working to make money, and then there's money 145 00:08:50.120 --> 00:08:53.920 working to make money. The only people that genuinely have money 146 00:08:53.920 --> 00:08:58.320 making money in their world are the people who are not even 147 00:08:58.320 --> 00:09:01.560 customers of banks and insurance companies. They are the owners 148 00:09:02.960 --> 00:09:05.800 of the bank in an insurance space and banking and insurance 149 00:09:05.800 --> 00:09:09.960 are two sides of the same coin. They're both involved in risk 150 00:09:09.960 --> 00:09:15.960 offset. So what goes on in the money when money is made by 151 00:09:15.960 --> 00:09:21.760 people in an investment space and a people working space, what 152 00:09:21.760 --> 00:09:27.760 you're doing with risk is you're having to manage it. The banking 153 00:09:27.760 --> 00:09:30.960 and insurance business for owners is not the business of 154 00:09:30.960 --> 00:09:37.080 managing risk. It's the business of offsetting risk. The key to 155 00:09:37.080 --> 00:09:40.320 discipling nations economically is we have to be in the risk 156 00:09:40.360 --> 00:09:44.720 offset business, we cannot be only in the business, or even 157 00:09:44.720 --> 00:09:50.120 primarily in the business of managing risk. That's what the 158 00:09:50.120 --> 00:09:54.280 Babylonians do. That's all they can do. If we're going to defund 159 00:09:54.280 --> 00:09:57.400 Babylon and finance Jerusalem, we have to be in the risk 160 00:09:57.440 --> 00:09:59.800 offset business. What does this mean? 161 00:10:00.000 --> 00:10:03.360 Well, I mean, think about it, Benji and Sebastian. 162 00:10:03.360 --> 00:10:07.920 The, if you guys are like our banker for Dave and I, 163 00:10:09.840 --> 00:10:14.840 and you give us a car loan and we make our car payments, 164 00:10:16.760 --> 00:10:19.520 principle and interest, you guys make money, right? 165 00:10:19.520 --> 00:10:20.360 Yeah. 166 00:10:20.360 --> 00:10:25.000 Now, what if Dave and I stop making our car payments? 167 00:10:26.000 --> 00:10:26.840 What are you- 168 00:10:26.840 --> 00:10:27.800 Making money. 169 00:10:27.800 --> 00:10:30.920 Now, I like what you're saying, 170 00:10:30.920 --> 00:10:33.200 and I just want to pause and interrupt just for a moment, 171 00:10:33.200 --> 00:10:34.040 because this is, 172 00:10:34.040 --> 00:10:35.560 I've talked about this a couple of times 173 00:10:35.560 --> 00:10:36.880 in the summit so far, 174 00:10:36.880 --> 00:10:39.160 about the concept of, you know, 175 00:10:39.160 --> 00:10:43.280 we could en masse unsubscribe from banking and insurance, 176 00:10:43.280 --> 00:10:44.120 and in a sense, 177 00:10:44.120 --> 00:10:48.720 defund the catalysts of chaos by doing a mass unsubscribe. 178 00:10:48.720 --> 00:10:49.560 So anyone, 179 00:10:49.560 --> 00:10:52.480 anytime someone talks about the idea of like unsubscribing, 180 00:10:52.480 --> 00:10:54.240 like what you're talking about, I like it. 181 00:10:54.240 --> 00:10:55.440 So carry on. 182 00:10:55.440 --> 00:10:57.600 Yeah, so let's go back to, 183 00:10:57.600 --> 00:11:01.520 if Dave and I stop making our principle 184 00:11:01.520 --> 00:11:03.040 and interest payments to you, 185 00:11:03.040 --> 00:11:05.000 you're bankers, what do you do? 186 00:11:06.400 --> 00:11:07.240 We take the car. 187 00:11:07.240 --> 00:11:08.600 Or knock it on your door. 188 00:11:08.600 --> 00:11:09.640 You take the car. 189 00:11:09.640 --> 00:11:12.080 You repossess the car. 190 00:11:12.080 --> 00:11:13.080 Yep. 191 00:11:13.080 --> 00:11:14.800 Bankers take collateral. 192 00:11:14.800 --> 00:11:16.800 They don't take risk. 193 00:11:16.800 --> 00:11:20.080 So it doesn't matter what Dave and I do. 194 00:11:20.080 --> 00:11:22.840 If we make our car payments, you make money. 195 00:11:22.840 --> 00:11:25.400 If we don't make our car payments, 196 00:11:26.360 --> 00:11:27.760 you still make money. 197 00:11:27.760 --> 00:11:28.680 Yeah. 198 00:11:28.680 --> 00:11:30.880 Bankers always make money. 199 00:11:30.880 --> 00:11:35.880 And it's because it is a different approach to, 200 00:11:37.240 --> 00:11:39.200 it's not a different approach in the sense 201 00:11:39.200 --> 00:11:42.800 that it's contradictory to people making money. 202 00:11:42.800 --> 00:11:46.800 It's more like the foundation that's under any economy. 203 00:11:46.800 --> 00:11:48.440 The actual found, 204 00:11:48.440 --> 00:11:50.960 sometimes we have financial tools out there 205 00:11:50.960 --> 00:11:52.880 called foundations, right? 206 00:11:52.920 --> 00:11:57.920 So when the economic collapse hit in 2008, 207 00:11:59.040 --> 00:12:00.000 Sheila and I and our friends, 208 00:12:00.000 --> 00:12:03.120 we found out that we had a house built on sand. 209 00:12:03.120 --> 00:12:03.960 Wow. 210 00:12:03.960 --> 00:12:05.600 The economic storm came, the winds blew, 211 00:12:05.600 --> 00:12:08.360 the waters came and boom, the house like came down. 212 00:12:08.360 --> 00:12:11.880 The foundation of risk, 213 00:12:11.880 --> 00:12:14.120 what happens in banking, 214 00:12:14.120 --> 00:12:16.160 if you're the owner, 215 00:12:16.160 --> 00:12:18.480 is you've positioned wealth in a place 216 00:12:18.480 --> 00:12:20.880 where it's number one protected from loss. 217 00:12:23.040 --> 00:12:25.160 So there's three things that we've learned 218 00:12:25.160 --> 00:12:27.960 as a community that we need to do. 219 00:12:29.040 --> 00:12:32.800 One of them is we need to learn how to take our wealth 220 00:12:32.800 --> 00:12:37.800 and place it in a format where we actually have guarantees. 221 00:12:39.040 --> 00:12:42.960 There's only really one kind of place 222 00:12:42.960 --> 00:12:44.800 in the business world, in the financial world, 223 00:12:44.800 --> 00:12:46.000 where guarantees happen 224 00:12:46.000 --> 00:12:47.680 and it's in the banking and insurance space. 225 00:12:47.680 --> 00:12:49.720 And it's really the key is to be an owner, 226 00:12:49.720 --> 00:12:50.920 not just a customer. 227 00:12:50.920 --> 00:12:52.360 Most of us have checking accounts. 228 00:12:52.880 --> 00:12:54.720 Most of us pay car insurance, whatever. 229 00:12:54.720 --> 00:12:56.640 We're all, in some ways, 230 00:12:56.640 --> 00:12:58.000 we have a customer relationship 231 00:12:58.000 --> 00:12:59.640 with banks and insurance companies. 232 00:12:59.640 --> 00:13:03.520 But the thing about where most wealth is created, 233 00:13:03.520 --> 00:13:07.960 it's created in the space of people 234 00:13:07.960 --> 00:13:11.480 who own and control wealth in a permanent format, 235 00:13:11.480 --> 00:13:13.080 not in a temporary format. 236 00:13:13.080 --> 00:13:14.000 So what does this mean? 237 00:13:14.000 --> 00:13:15.120 It means, for example, 238 00:13:15.120 --> 00:13:17.960 when we have members of our community participate 239 00:13:18.960 --> 00:13:22.720 in how we go about doing wealth creation together, 240 00:13:22.720 --> 00:13:24.640 if there is a chunk of change 241 00:13:24.640 --> 00:13:26.600 that's deposited with the community, 242 00:13:26.600 --> 00:13:30.920 it goes under an insurance policy and will never be lost. 243 00:13:30.920 --> 00:13:32.000 Wow. 244 00:13:32.000 --> 00:13:34.200 It will never be lost in a great depression. 245 00:13:34.200 --> 00:13:36.360 It will never be lost in some market bubble 246 00:13:36.360 --> 00:13:38.760 because, first of all, it's not being invested. 247 00:13:39.720 --> 00:13:40.720 It's being banked. 248 00:13:40.720 --> 00:13:42.000 You see, the thing about bankers 249 00:13:42.000 --> 00:13:44.080 is they know how to get a lot more value 250 00:13:44.120 --> 00:13:48.800 out of not spending and investing money, but banking it. 251 00:13:48.800 --> 00:13:50.560 That's why they're bankers, right? 252 00:13:50.560 --> 00:13:51.520 Right. 253 00:13:51.520 --> 00:13:55.360 Because if you have money and you spend it on stuff, 254 00:13:55.360 --> 00:13:57.640 you know what you have then? 255 00:13:58.960 --> 00:14:00.480 Stuff and no money. 256 00:14:00.480 --> 00:14:01.760 Yeah. 257 00:14:01.760 --> 00:14:03.720 If you take your money 258 00:14:03.720 --> 00:14:05.960 and put it into a money-making money business 259 00:14:05.960 --> 00:14:08.200 and use the money your money makes to get stuff, 260 00:14:08.200 --> 00:14:10.240 you know what you have then? 261 00:14:10.240 --> 00:14:12.120 Stuff and your money. 262 00:14:12.120 --> 00:14:14.040 And more money coming. 263 00:14:15.000 --> 00:14:16.600 That's at least 200% better, 264 00:14:16.600 --> 00:14:18.160 and we're just getting started. 265 00:14:18.160 --> 00:14:21.720 So everything about money is, 266 00:14:21.720 --> 00:14:24.080 money is way more valuable being banked 267 00:14:24.080 --> 00:14:26.080 than it is being spent or invested. 268 00:14:26.080 --> 00:14:29.400 The key money to spend and the key money to invest 269 00:14:29.400 --> 00:14:30.640 is the money your money makes. 270 00:14:30.640 --> 00:14:33.360 We've got way better things to do with our money 271 00:14:33.360 --> 00:14:35.200 than spending it and investing it. 272 00:14:35.200 --> 00:14:39.320 This is such a key concept for people, 273 00:14:39.320 --> 00:14:41.200 which we've been trying to highlight as well, 274 00:14:41.200 --> 00:14:43.520 is never spend your capital. 275 00:14:44.560 --> 00:14:45.680 Hi. 276 00:14:45.680 --> 00:14:49.880 So what we do is we place capital in a position 277 00:14:49.880 --> 00:14:52.240 because we function, 278 00:14:52.240 --> 00:14:54.240 and this is something we can all do together, 279 00:14:54.240 --> 00:14:55.440 and it's very simple. 280 00:14:56.400 --> 00:14:57.880 We can all function together 281 00:14:57.880 --> 00:14:59.920 as our own private self-regulated. 282 00:15:00.000 --> 00:15:03.520 and family community that operates like a bank. 283 00:15:03.520 --> 00:15:08.040 We are a bank in our community that operates like a bank. 284 00:15:08.040 --> 00:15:11.280 And so what happens is, is when we deposit, 285 00:15:11.280 --> 00:15:15.040 when we place funds or values in our community, 286 00:15:15.040 --> 00:15:16.800 they are protected from loss. 287 00:15:16.800 --> 00:15:17.720 That is the key. 288 00:15:18.600 --> 00:15:20.280 The risk is offset. 289 00:15:21.320 --> 00:15:22.160 Okay. 290 00:15:22.160 --> 00:15:24.560 So just slow that down for us just for one second. 291 00:15:24.560 --> 00:15:26.520 Like how do you offset the risk? 292 00:15:27.520 --> 00:15:29.240 Well, think about what, 293 00:15:29.240 --> 00:15:31.920 if you pair up banking and insurance, 294 00:15:31.920 --> 00:15:34.520 you can hear it kind of in the word insurance. 295 00:15:35.760 --> 00:15:38.360 Like if you have car insurance, 296 00:15:38.360 --> 00:15:40.760 what you've done is you've offset the risk 297 00:15:40.760 --> 00:15:42.520 to the car insurance company 298 00:15:42.520 --> 00:15:45.200 that you're gonna have a crash 299 00:15:45.200 --> 00:15:47.480 and need a check sent to you 300 00:15:47.480 --> 00:15:49.120 to replace the value of the car. 301 00:15:50.160 --> 00:15:52.400 When you relate to a bank, 302 00:15:52.400 --> 00:15:55.340 when you're in a banking and insurance space, 303 00:15:55.380 --> 00:15:57.940 that space is a business of risk offset 304 00:15:57.940 --> 00:16:00.740 so that it has to be set up in such a fashion 305 00:16:00.740 --> 00:16:04.020 that the members can offset their risk 306 00:16:04.020 --> 00:16:08.620 to the Commonwealth in this case, us, okay? 307 00:16:08.620 --> 00:16:09.700 To the company, whatever. 308 00:16:09.700 --> 00:16:14.700 And then there's enough capability in the community. 309 00:16:14.860 --> 00:16:17.100 When an event occurs, 310 00:16:17.100 --> 00:16:19.340 the community has the ability to, if you will, 311 00:16:19.340 --> 00:16:22.380 ensure that situation and offset 312 00:16:22.460 --> 00:16:26.900 so that you offset any potential loss 313 00:16:26.900 --> 00:16:28.260 so you don't end up lost. 314 00:16:28.260 --> 00:16:31.380 Once wealth goes into a position 315 00:16:31.380 --> 00:16:33.580 where it's in a risk offset manner, 316 00:16:33.580 --> 00:16:34.860 the thing that can happen then 317 00:16:34.860 --> 00:16:36.100 is the second thing that happens 318 00:16:36.100 --> 00:16:37.940 for the members of our community 319 00:16:37.940 --> 00:16:42.940 is they get certain regular and predictable rewards. 320 00:16:43.100 --> 00:16:45.700 We call them rewards. 321 00:16:45.700 --> 00:16:47.820 Dave can speak about how these three things, 322 00:16:47.820 --> 00:16:49.220 which I'm gonna get to number three in a minute, 323 00:16:49.220 --> 00:16:51.060 work with some other financial tools. 324 00:16:51.060 --> 00:16:55.100 But what happens is you get certain regular predictable. 325 00:16:55.100 --> 00:16:56.580 We already know ahead of time 326 00:16:58.140 --> 00:17:01.500 what the rewards, the returns are. 327 00:17:01.500 --> 00:17:03.580 We already know that they're gonna be regular, 328 00:17:03.580 --> 00:17:07.760 monthly and annual, and we know it for certain, okay? 329 00:17:07.760 --> 00:17:10.099 This is not something you get with investing. 330 00:17:10.099 --> 00:17:11.460 First of all, with investing, 331 00:17:11.460 --> 00:17:15.140 you do not have guarantees on what we call your face value 332 00:17:15.140 --> 00:17:19.980 or that money that you use to do the investment with. 333 00:17:19.980 --> 00:17:22.780 That's money where that can be potentially lost. 334 00:17:23.619 --> 00:17:26.140 The best thing that you can hope with an investment 335 00:17:26.140 --> 00:17:28.860 is you don't lose your face amount 336 00:17:28.860 --> 00:17:30.300 and maybe you earn something. 337 00:17:31.980 --> 00:17:33.700 But what we're talking, 338 00:17:33.700 --> 00:17:35.260 and then what you're gonna earn 339 00:17:35.260 --> 00:17:37.220 is not certain regular and predictable. 340 00:17:37.220 --> 00:17:40.260 You kind of have to wait until after it all happens 341 00:17:40.260 --> 00:17:41.100 to see what happened. 342 00:17:41.100 --> 00:17:43.980 We already know what's gonna happen before 343 00:17:43.980 --> 00:17:46.560 because the banking insurance business for the owners 344 00:17:46.560 --> 00:17:49.040 is a business where past performance 345 00:17:49.040 --> 00:17:51.660 does guarantee future results. 346 00:17:52.960 --> 00:17:54.560 In investing, past performance 347 00:17:54.560 --> 00:17:57.600 doesn't guarantee a blessed thing because of people. 348 00:17:57.600 --> 00:18:00.760 Because people throw in, when people are making money, 349 00:18:00.760 --> 00:18:03.040 you don't know if they're gonna show up for work or not, 350 00:18:03.040 --> 00:18:05.080 if they're gonna make a good, bad decision. 351 00:18:05.080 --> 00:18:07.940 You don't know, you can't predict what's gonna go with. 352 00:18:07.940 --> 00:18:11.240 Money making money doesn't depend upon what people do. 353 00:18:13.720 --> 00:18:15.760 People can do this, that, or the other thing, 354 00:18:15.760 --> 00:18:17.360 and the people that are the lenders 355 00:18:17.360 --> 00:18:19.200 are gonna make money either way. 356 00:18:19.200 --> 00:18:20.240 Come on. 357 00:18:20.240 --> 00:18:23.680 Okay, now the third thing that happens in our community, 358 00:18:23.680 --> 00:18:26.920 which is what happens when you're in the banking business 359 00:18:26.920 --> 00:18:30.320 as an owner, all the members of our community 360 00:18:30.320 --> 00:18:32.800 continue to own and earn 361 00:18:34.040 --> 00:18:38.000 in what we call the holding companies that we have 362 00:18:38.000 --> 00:18:39.900 after they roll their face amount out. 363 00:18:42.100 --> 00:18:44.560 Because they've helped create that new company, 364 00:18:44.560 --> 00:18:47.000 and after they've helped create the new company, 365 00:18:47.000 --> 00:18:50.040 they get to permanently own and earn in that company, 366 00:18:50.040 --> 00:18:53.360 even after they roll their original face amount out, 367 00:18:53.360 --> 00:18:56.000 and they can roll that face amount out into a new company, 368 00:18:56.000 --> 00:18:58.260 and then just keep multiplying 369 00:18:58.260 --> 00:18:59.420 the value of their face amount. 370 00:18:59.420 --> 00:19:04.120 So what happens is guarantees on your face amount 371 00:19:04.120 --> 00:19:05.240 will not be lost. 372 00:19:05.240 --> 00:19:08.400 The earnings are regular, they're certain predictable, 373 00:19:08.400 --> 00:19:10.800 and you continue to own and earn 374 00:19:10.800 --> 00:19:12.740 after you roll the face amount out. 375 00:19:12.740 --> 00:19:16.900 The question is, where do you get something like this? 376 00:19:16.900 --> 00:19:19.460 Yeah, so let me just kind of quickly summarize that 377 00:19:19.460 --> 00:19:22.940 to kind of help if you aren't realizing 378 00:19:22.940 --> 00:19:24.140 what they're talking about. 379 00:19:24.140 --> 00:19:26.100 They've created as a community, 380 00:19:26.100 --> 00:19:28.260 and this is so genius. 381 00:19:28.260 --> 00:19:29.820 It's so genius, and it works so well. 382 00:19:29.820 --> 00:19:30.900 I've never seen anything like it, 383 00:19:30.900 --> 00:19:34.100 but it's just getting me like connecting with these guys. 384 00:19:34.100 --> 00:19:37.340 So basically they've created a banking system. 385 00:19:37.340 --> 00:19:40.460 It's not specifically outrightly called a banking system, 386 00:19:40.460 --> 00:19:44.660 but functionally it is. 387 00:19:44.660 --> 00:19:47.300 And what they do is, so say you put $100,000 in, 388 00:19:47.300 --> 00:19:50.140 and 10 people put $100,000 in, 389 00:19:50.140 --> 00:19:51.620 they've got a million dollars. 390 00:19:51.620 --> 00:19:54.700 Then you would use that million dollars there 391 00:19:54.700 --> 00:19:55.900 as leverage, right? 392 00:19:55.900 --> 00:19:56.980 You're not spending that money, 393 00:19:56.980 --> 00:19:59.980 but you put that into the account and you use it as leverage. 394 00:20:00.000 --> 00:20:10.000 It's much more valuable to the community as it creates leverage because we turn the cash into a cash asset that's actually, it's deposited. 395 00:20:10.000 --> 00:20:18.000 Yeah, it's much more valuable deposited than paired up with some other kinds of assets. We create the value by depositing the money. 396 00:20:18.000 --> 00:20:30.000 Yeah, so you've got cash assets deposited in your fund. And then what do you guys do with that? And this is great because this is even better than getting a loan, right? 397 00:20:30.000 --> 00:20:36.000 Because you guys don't operate with your community. You've got the ability because you've got high level bankers in your community. 398 00:20:36.000 --> 00:20:45.000 You've created a partner-to-partner relationship with other banks as well, as opposed to what most people do, which is a client-to-bank relationship. 399 00:20:45.000 --> 00:21:01.000 That's correct. We don't function as customers of banks. We're in a bank-to-bank relationship with banks, which means that we're able to utilize forms of credit that are different than loans. 400 00:21:01.000 --> 00:21:17.000 If you take what money you can and go buy a house and then put the house under a loan, the house is under what we call a bad form of debt now, and you have to pay that off to zero before you even get back to zero. 401 00:21:18.000 --> 00:21:41.000 But what we're doing as a community is we have assets that enable the community to function in an overall net debt-free way so that any of the partner-bank relationships we have enable us to do something that's multiplying wealth. So yeah, let's keep going down your path. 402 00:21:42.000 --> 00:21:54.000 So you've got cash assets, then you guys have created this ability to go and have peer-to-peer relationships with banks, which gives you a line of credit, which is actually different to a loan, correct? 403 00:21:55.000 --> 00:22:21.000 Yeah, we have an ability to pay on an interest-only monthly basis on these lines, and we use that as the mechanism for actually acquiring the assets that are held in the holding company. So all of our money remains banked. We don't directly use it. We indirectly use it to create this capability for still acquiring the assets. 404 00:22:22.000 --> 00:22:27.000 Dave, what's some examples of assets you guys have been acquiring in the process? 405 00:22:27.000 --> 00:22:56.000 Well, I think the last asset we just acquired a couple of weeks ago was a tractor supply store up in North Dakota. So really they're performing commercial assets. We really like plazas. So I don't know what the associated word would be for other countries, but yeah, like a mall with a solid anchor store that's been there for a while, long-term lease, and then has multiple other businesses surrounding it. 406 00:22:58.000 --> 00:23:23.000 So it's a lot of commercial real estate performing assets, and it's also assets that the banks we're partnering with really like. So you could go to your bank down the street and say, hey, I've got this apartment building I want to purchase. They may not like it. It may be a great asset, but it may not be what they're looking for. 407 00:23:24.000 --> 00:23:38.000 So we partner with banks, and as a partner, we want to make it beneficial for them too. We're not in it just for us. So we bring them assets that they want on their books, because what do banks do with that stuff? 408 00:23:39.000 --> 00:23:56.000 Yeah, it turns into a piece of paper, a note that they can turn around and leverage for more money to lend out to make more money, because they're in the business of banking. So we are very good partners for them. They're good partners for us. 409 00:24:00.000 --> 00:24:07.000 Yeah, you guys usually work with smaller family banks as opposed to a lot of like the bigger, more conglomerate banks. 410 00:24:07.000 --> 00:24:20.000 Yeah, the smaller family banks, the small regional banks, they have a business model that works really well. The bigger banks have a different kind of model that they want to exercise for controlling cash on deposit. 411 00:24:20.000 --> 00:24:34.000 We like to have the cash on deposit controlled. That works better. Because what happens when the cash on deposit is controlled in relationship to existing assets that we have, remember the past performance that guarantees future results? 412 00:24:34.000 --> 00:24:43.000 For us, an existing asset means one that we've held for probably at least a couple of years. That creates the existing asset category in the eyes of our bank. 413 00:24:43.000 --> 00:24:55.000 So if we have existing superior performing commercial assets, like Dave was describing, paired up with cash, what will happen is the partner bank will work with this, they'll issue a line of credit. 414 00:24:55.000 --> 00:25:00.000 The line of credit is what we use to create the asset. 415 00:25:00.000 --> 00:25:10.280 acquisitions, if you can think of it, the existing and cash assets kind of function as a, as a big, I think of it as they place kind of like a temporary hold on those assets. 416 00:25:11.000 --> 00:25:21.560 As soon as the revenue starts to flow from the new asset acquisition, within a few months, six to eight months, the partner bank will release their hold on those previous assets. 417 00:25:21.600 --> 00:25:25.880 And you know what we do on the day that they release the hold on those assets we already have? 418 00:25:26.480 --> 00:25:27.360 We do it again. 419 00:25:27.640 --> 00:25:28.320 We do it again. 420 00:25:28.560 --> 00:25:30.400 We reuse the value again. 421 00:25:31.440 --> 00:25:43.680 So somebody that participates with your a hundred thousand, we're going to be able to see at a, at a very conservative minimum, the reuse of that a hundred thousand, maybe four times in the first 36 months. 422 00:25:44.240 --> 00:25:46.680 It's being reused by just sitting there. 423 00:25:47.000 --> 00:25:49.920 It's sitting there doing something very, very important. 424 00:25:49.920 --> 00:25:51.000 It's called capital. 425 00:25:51.480 --> 00:25:52.000 Yeah. 426 00:25:52.320 --> 00:25:57.520 Whoever is in control of capital, you see is running the show. 427 00:25:58.040 --> 00:26:03.920 If you don't control capital, you're working for Faro, trying to get enough money to pay your cell phone bill today. 428 00:26:03.920 --> 00:26:04.420 Okay. 429 00:26:04.560 --> 00:26:05.060 Yeah. 430 00:26:05.080 --> 00:26:06.040 What do we call that boy? 431 00:26:06.040 --> 00:26:06.960 The golden rule. 432 00:26:07.640 --> 00:26:10.680 Everybody's familiar with the traditional golden rule. 433 00:26:11.000 --> 00:26:13.640 The golden rule is the gold makes the rules. 434 00:26:13.840 --> 00:26:14.600 Absolutely. 435 00:26:14.720 --> 00:26:15.720 That's the golden rule. 436 00:26:16.360 --> 00:26:16.860 Yeah. 437 00:26:17.160 --> 00:26:20.040 So what, so let's just quickly overview this. 438 00:26:20.360 --> 00:26:23.520 People in your community are putting in together some money. 439 00:26:23.560 --> 00:26:24.640 They got a fund there. 440 00:26:24.760 --> 00:26:28.040 You use that money as leverage, not as a deposit. 441 00:26:28.680 --> 00:26:29.180 Right. 442 00:26:29.200 --> 00:26:31.960 So using your capital as leverage, not as a deposit. 443 00:26:32.360 --> 00:26:34.360 Well, we deposit it to use it as leverage. 444 00:26:34.360 --> 00:26:35.640 We just don't want to spend it. 445 00:26:35.680 --> 00:26:39.000 As opposed, but as opposed to paying it all to the bank. 446 00:26:39.000 --> 00:26:40.160 And now you've got zero. 447 00:26:40.400 --> 00:26:49.960 You deposit it so that you've got a bunch and you've got leverage and you go, you purchase a mall with a line of credit through a peer to peer relationship 448 00:26:49.960 --> 00:26:50.600 with a bank. 449 00:26:50.880 --> 00:26:54.040 They put a hold on that mall for, say, six months. 450 00:26:54.280 --> 00:27:04.360 And then the day that they release that, you've already lined up your next acquisition, which is, say, another mall or your next tractor station or your next commercial property. 451 00:27:04.440 --> 00:27:13.240 And so as a community within, say, 36 months without spending, you actually haven't spent a dollar through this whole process. 452 00:27:13.240 --> 00:27:29.000 So once you haven't spent a dollar and you've purchased maybe half a dozen major commercial entities that are all self-funding, self-propagating at the end of that 36 months, if people want to, they can take all of their capital out without having spent a dollar. 453 00:27:29.000 --> 00:27:34.960 But in that process, without spending a dollar, have now acquired six major commercial assets. 454 00:27:35.000 --> 00:27:39.720 And then with that same money, they can start all over again and do it all over again. 455 00:27:39.760 --> 00:27:40.840 And no one spent a dollar. 456 00:27:41.320 --> 00:27:44.400 Well, yeah, and the dollars that we're not spending are ours. 457 00:27:45.760 --> 00:27:47.120 Our dollars are being banked. 458 00:27:47.160 --> 00:27:52.080 We're using our dollars to acquire a wonderful kind of money in the world called other people's money. 459 00:27:52.320 --> 00:27:56.320 Yes, because that's what our partner banks are in business to do. 460 00:27:56.320 --> 00:27:59.440 They want us to use that credit. 461 00:27:59.600 --> 00:28:02.360 That's so what our money is paying. 462 00:28:02.400 --> 00:28:06.280 We use the credit, other people's money, right, to acquire. 463 00:28:06.800 --> 00:28:08.480 None of our dollars have been spent. 464 00:28:08.600 --> 00:28:15.640 They've just been marvelously multiplied, because if you take a chunk of change and go directly into an investment, here's what happens. 465 00:28:16.320 --> 00:28:20.520 You're dependent now upon that investment being successful. 466 00:28:21.600 --> 00:28:26.240 And if you have to get your money back, you've got to refinance, you've got to sell. 467 00:28:26.880 --> 00:28:29.360 And so that becomes complicated. 468 00:28:29.720 --> 00:28:40.480 The. So, yeah, the thing that's happening here is our values, we're seeing bankers are the ones who are in the ownership position of banking. 469 00:28:40.480 --> 00:28:42.720 They can grow wealth by multiplication. 470 00:28:43.400 --> 00:28:49.080 If you're invested, you're directly dependent upon that one apple tree producing apples. 471 00:28:49.480 --> 00:28:53.480 What we're doing is we're producing multiple apple trees that, yes, they do produce apples. 472 00:28:54.680 --> 00:28:58.080 But it's reusing the money over and over. 473 00:28:58.480 --> 00:29:04.960 And and that's that's the key to to what we do. 474 00:29:05.800 --> 00:29:13.880 It's genius. And I think what you said earlier is that banking and insurance are tied together. 475 00:29:13.880 --> 00:29:19.360 So how have you guys been able to fuse banking and insurance in your community? 476 00:29:19.360 --> 00:29:21.480 I mean, there's a lot of beauty here. 477 00:29:21.520 --> 00:29:29.640 And David, I love if you just kind of like start helping us understand what you guys have got going with how you synergize banking and insurance. 478 00:29:31.240 --> 00:29:39.280 Yeah, well, so there's there's banking and insurance inside the way we structure the board was just talking about as well, just on its own. 479 00:29:39.720 --> 00:29:47.440 But one of the foundational tools the board and I use personally and many members of our community 480 00:29:48.400 --> 00:29:56.480 use as the foundation, the absolute foundation of their financial environment is whole life insurance. 481 00:29:56.960 --> 00:29:58.600 And I don't know. 482 00:29:59.120 --> 00:29:59.560 I know. 483 00:30:00.000 --> 00:30:04.240 When North America, you know, the US and Canada, this is very 484 00:30:04.240 --> 00:30:07.880 prevalent. And we have companies, mutual life insurance 485 00:30:07.880 --> 00:30:11.600 companies, again, that that word of community mutual, that have 486 00:30:11.600 --> 00:30:18.440 been around for 110 150 150 175 years plus. And they've been 487 00:30:18.440 --> 00:30:22.980 profitable every single year. And, and as a owner, because 488 00:30:22.980 --> 00:30:26.900 it's a mutual company, it's owned by policy owners, like 489 00:30:26.900 --> 00:30:31.020 myself, I have six policies with these mutual companies. But 490 00:30:31.020 --> 00:30:34.500 that is really the first foundation and Boyd does such a 491 00:30:34.500 --> 00:30:38.020 great job of tying things together. Like the big picture, 492 00:30:38.020 --> 00:30:41.620 the philosophy of money and banking, and bringing in biblical 493 00:30:41.620 --> 00:30:45.140 parallels, and how we're supposed to behave with money. 494 00:30:46.340 --> 00:30:49.020 You know, when I talk about this tool, it's a more practical 495 00:30:49.020 --> 00:30:53.820 discussion on specially designed whole life insurance, which has 496 00:30:53.860 --> 00:30:56.860 been around longer than the IRS, the Internal Revenue Service, 497 00:30:56.860 --> 00:31:01.500 here in the States. And so it's a staple, it's been a staple of 498 00:31:02.900 --> 00:31:05.740 for generations of the wealthiest families in the 499 00:31:05.740 --> 00:31:09.820 country. And it's one of those things, it's it's not super 500 00:31:09.820 --> 00:31:14.660 exciting, which is why the typical the average American or 501 00:31:14.660 --> 00:31:20.180 Canadian probably use it as something that as a as a 502 00:31:20.220 --> 00:31:23.020 necessary evil to have insurance, right? I think we 503 00:31:23.020 --> 00:31:26.700 all consider insurance kind of a necessary evil, like, I'm 504 00:31:26.700 --> 00:31:29.780 putting money away for my auto insurance, because I have to by 505 00:31:29.780 --> 00:31:34.060 law. And, you know, yeah, it makes sense. It's smart, but it 506 00:31:34.060 --> 00:31:37.020 may be wasted money, because I may never even file an auto 507 00:31:37.020 --> 00:31:40.340 claim, right? If you're a good driver, and, and nobody else 508 00:31:40.340 --> 00:31:43.900 hits you. And then it's wasted money that the great tool about 509 00:31:43.900 --> 00:31:47.340 this, but I mean, we ensure everything, right? Your car, 510 00:31:47.500 --> 00:31:52.180 your house, your your precious, your valuables, maybe jewelry or 511 00:31:52.180 --> 00:31:54.820 laptops, your iPhone, for goodness sakes, people ensure 512 00:31:54.820 --> 00:31:58.940 their iPhone, but they don't ensure the greatest asset that's 513 00:31:58.940 --> 00:32:04.780 responsible for producing the income that the revenue that is 514 00:32:04.780 --> 00:32:07.860 able to purchase all those other assets. And what is that asset? 515 00:32:08.020 --> 00:32:12.700 It's you, you are your greatest asset, because without you, 516 00:32:12.820 --> 00:32:15.580 there is no money to go buy those things that you need to 517 00:32:15.580 --> 00:32:21.260 ensure. So we often overlook ensuring our greatest asset. And 518 00:32:21.340 --> 00:32:26.100 everybody has something called a human life value. This is a 519 00:32:26.100 --> 00:32:29.820 term from Solomon Huebner, boy could definitely tell you a lot 520 00:32:29.820 --> 00:32:34.700 more about him than I can. But, you know, we hate to say that, 521 00:32:34.740 --> 00:32:39.940 you know, we are all priceless children of God. However, in the 522 00:32:39.940 --> 00:32:44.940 economic world, there is a price, there is a human life 523 00:32:44.940 --> 00:32:49.220 value in associated dollar amounts to each and every one of 524 00:32:49.220 --> 00:32:53.300 us. And that's based on our production capability. How much 525 00:32:53.300 --> 00:32:56.340 of a producer are you? So how much money can you make every 526 00:32:56.340 --> 00:32:59.540 year over your working life? And that's what the insurance 527 00:32:59.540 --> 00:33:03.820 company says, okay, that's what you're worth. So my goal and 528 00:33:03.820 --> 00:33:06.460 what many members of our community do is they we ensure 529 00:33:06.460 --> 00:33:10.340 ourselves to the max extent possible. Yeah, that the 530 00:33:10.340 --> 00:33:12.980 insurance company says you're worth $5 million over the next 531 00:33:12.980 --> 00:33:16.900 30 years. That's how much we'll insure you for. But we do it in 532 00:33:16.900 --> 00:33:22.820 such a way that the policies are designed to, to really 533 00:33:22.820 --> 00:33:25.780 minimize that death benefit and maximize the amount I pay every 534 00:33:25.780 --> 00:33:29.300 year. Yeah, because you know, Boyd said a lot of words, and I 535 00:33:29.300 --> 00:33:31.700 think those have been repeated throughout this discussion over 536 00:33:31.700 --> 00:33:38.620 the last 35 minutes. Community, capital and control. Those are 537 00:33:38.620 --> 00:33:46.140 three primary pillars of this tool is you got to work inside a 538 00:33:46.140 --> 00:33:50.300 community, a mutual insurance company. You want control of it 539 00:33:50.420 --> 00:33:53.300 like a banker, right? Because he who has a goal makes the rules. 540 00:33:54.020 --> 00:33:56.780 You put your money somewhere that accelerates that cash 541 00:33:56.780 --> 00:34:00.700 value growth inside that policy. And you control whatever's done 542 00:34:00.700 --> 00:34:03.420 with that. And it's guaranteed to grow, there's nothing you can 543 00:34:03.420 --> 00:34:06.540 do about it. And the longer you have it, the better it gets, the 544 00:34:06.540 --> 00:34:12.020 more money, the more it grows every single year. And then you 545 00:34:12.020 --> 00:34:16.620 become capitalized at a certain point. Right. And I think what 546 00:34:16.739 --> 00:34:22.659 what we probably all realize is, once you have capital, opportunity 547 00:34:22.659 --> 00:34:28.060 will find you. Come on. Yeah. I mean, and right for many reasons, 548 00:34:28.100 --> 00:34:30.940 because one, if you don't have capital for opportunities, 549 00:34:31.060 --> 00:34:34.260 you're not even going to have your eyes, your heart, your mind 550 00:34:34.300 --> 00:34:37.179 open to opportunities, because you have no way to to 551 00:34:37.179 --> 00:34:41.420 participate. But if you have capital, your eyes, your own 552 00:34:41.420 --> 00:34:44.139 your subconscious is going to be open to those opportunities, 553 00:34:44.300 --> 00:34:46.900 you will start seeing those and they will start jumping out at 554 00:34:46.900 --> 00:34:50.260 you left and right. Like they have for me and Boyd and many 555 00:34:50.260 --> 00:34:54.580 other people in my circle, where opportunities are coming, you 556 00:34:54.580 --> 00:34:57.820 know, from every which direction. And now it's a choice 557 00:34:57.820 --> 00:35:00.100 of okay, which is the best 558 00:35:00.000 --> 00:35:02.480 and the right opportunity for us right now. 559 00:35:02.480 --> 00:35:05.600 Yeah, I mean, I'm just talking with you guys recently. 560 00:35:05.600 --> 00:35:08.840 I mean, how many how many opportunities do you guys review a month? 561 00:35:10.440 --> 00:35:14.240 Well, I think the team, you know, our chief consultant 562 00:35:14.240 --> 00:35:17.800 and his team review a 200 to 250 deals a month. 563 00:35:18.480 --> 00:35:23.800 Yeah, most of the process is coming to us by by people approaching us. 564 00:35:23.920 --> 00:35:26.960 Yeah, right. We don't look for anything 565 00:35:26.960 --> 00:35:29.400 because at some point you get you get to that point where 566 00:35:30.000 --> 00:35:33.120 like anybody who's heavily involved in real estate once they've made a name 567 00:35:33.120 --> 00:35:37.240 for themselves and people know them, they say, well, that person, they can close. 568 00:35:37.920 --> 00:35:39.520 And if it's a good deal, they're going to take it. 569 00:35:39.520 --> 00:35:40.520 So here you go. 570 00:35:40.520 --> 00:35:43.200 So, yeah, we get really the pick of the litter, as they say. 571 00:35:43.960 --> 00:35:46.720 I think this is a good place with what they just did 572 00:35:47.520 --> 00:35:51.920 is to go back and ask the question, where else can you get guarantees 573 00:35:52.080 --> 00:35:55.080 on a chunk of change going somewhere where it's not going to be lost? 574 00:35:55.520 --> 00:35:58.560 Where can you get certain regular, predictable rewards? 575 00:35:58.800 --> 00:36:02.520 And where can you continue to own and earn after you've rolled 576 00:36:02.520 --> 00:36:05.280 the equivalent of what you put in, out and go do something else with it? 577 00:36:05.720 --> 00:36:07.920 There is one other place you can get this. 578 00:36:07.920 --> 00:36:10.520 It's with those whole life policies that David was just describing 579 00:36:10.520 --> 00:36:12.880 with a mutual company, because guess what? 580 00:36:12.880 --> 00:36:14.800 Mutual companies, guess what business they're in? 581 00:36:15.800 --> 00:36:19.160 Banking insurance business, and it's done on a private basis. 582 00:36:19.480 --> 00:36:23.160 They're called mutual companies because they're mutually owned 583 00:36:23.840 --> 00:36:25.880 by people like us who have these policies. 584 00:36:26.360 --> 00:36:29.240 Mutual companies have customers and we are not them. 585 00:36:29.960 --> 00:36:32.120 We are pro rata owners. 586 00:36:33.000 --> 00:36:35.680 In the banking and insurance business with these policies. 587 00:36:36.320 --> 00:36:37.640 What does this mean? 588 00:36:37.640 --> 00:36:42.640 It it means that we get all of our money protected under insurance policy. 589 00:36:42.800 --> 00:36:46.040 People that have these things during Great Depressions, they don't lose a dollar. 590 00:36:46.080 --> 00:36:49.720 They continue to certainly and predictably regularly earn 591 00:36:49.880 --> 00:36:52.160 even during the Great Depression. 592 00:36:52.160 --> 00:36:56.480 And there's a mechanism which is a kind of I call it a line of credit. 593 00:36:56.800 --> 00:36:59.520 I wish the mutual companies did, but they call them global cash value. 594 00:37:00.200 --> 00:37:03.480 You can take a loan against your policy from the mutual company. 595 00:37:03.520 --> 00:37:05.400 It's not a loan from your policy. 596 00:37:05.400 --> 00:37:09.200 It's other people's money from the mutual company that you can in turn use. 597 00:37:09.600 --> 00:37:11.800 You get those same three things with these policies. 598 00:37:12.080 --> 00:37:15.400 So we as a community, we basically function 599 00:37:15.400 --> 00:37:18.800 like a mutual company in the area of real estate. 600 00:37:19.440 --> 00:37:23.040 We do what the mutual companies do with human life value. 601 00:37:23.080 --> 00:37:26.680 We do the same thing with real estate, and we have most of our members. 602 00:37:27.280 --> 00:37:31.560 They like having the policies and they like having our community programs 603 00:37:31.560 --> 00:37:34.880 because they're basically they're they're based on the same DNA. 604 00:37:37.200 --> 00:37:40.160 I let me jump in there for a minute. 605 00:37:40.800 --> 00:37:43.800 I am we got to we'll start bringing in for a bit of a landing. 606 00:37:43.800 --> 00:37:47.760 But the thing that started me on this journey was several years ago. 607 00:37:47.760 --> 00:37:49.760 I was in Colorado. 608 00:37:49.760 --> 00:37:51.280 I was in Denver. 609 00:37:51.280 --> 00:37:53.400 I listened to an amazing presentation. 610 00:37:53.640 --> 00:37:57.320 I'd never heard of the concept of whole life insurance policies before, 611 00:37:58.200 --> 00:38:02.840 but it's Mr. 612 00:38:02.840 --> 00:38:03.600 Nash, Neil Nash. 613 00:38:03.600 --> 00:38:04.920 No, never. 614 00:38:04.920 --> 00:38:06.960 Nelson, Nelson, Nelson. 615 00:38:06.960 --> 00:38:07.600 There's the book. 616 00:38:07.600 --> 00:38:10.360 I've got the same book just in my cupboard right here. 617 00:38:10.360 --> 00:38:11.400 Nelson Nash. 618 00:38:12.480 --> 00:38:14.480 Brad, you're becoming your own banker. 619 00:38:14.640 --> 00:38:16.080 Yeah, look at that. 620 00:38:16.160 --> 00:38:16.720 Look at that. 621 00:38:16.720 --> 00:38:18.880 So a little. 622 00:38:19.560 --> 00:38:24.720 Here we go now, just to warn everybody, that book is currently out of print, 623 00:38:24.720 --> 00:38:27.360 so it's going to cost you about 700 dollars on Amazon. 624 00:38:27.360 --> 00:38:28.680 I've got one fresh copy. 625 00:38:28.680 --> 00:38:31.320 I'll sell for 300 if anybody wants it. 626 00:38:31.680 --> 00:38:33.280 But I can't get it. 627 00:38:33.280 --> 00:38:34.880 Turn it into an NFT. 628 00:38:34.880 --> 00:38:36.400 Yeah, you can get it on. 629 00:38:36.400 --> 00:38:37.480 So just go there. 630 00:38:37.480 --> 00:38:40.440 Yeah. So that book, they're becoming your own banker. 631 00:38:40.440 --> 00:38:42.640 That's crazy. Look at that. 632 00:38:43.240 --> 00:38:46.920 And the key is the phrase infinite banking down the bottom, infinite banking. 633 00:38:47.520 --> 00:38:51.160 That's that's the reuse of the same value over and over again. 634 00:38:51.160 --> 00:38:53.560 That's what you do when you don't spend money, but you bank it. 635 00:38:54.280 --> 00:38:57.760 Yeah. So anyway, I discovered this. 636 00:38:57.800 --> 00:38:59.920 Yeah. Several years ago in Colorado. 637 00:39:00.560 --> 00:39:03.280 So just up the road from where you are right now, Boyd. 638 00:39:03.280 --> 00:39:08.320 And I was like, well, this is crazy, but New Zealand doesn't have it. 639 00:39:08.720 --> 00:39:13.160 And I've been like wrestling with this kind of like idea for a number of years. 640 00:39:13.160 --> 00:39:14.560 I've been like, man, how do we do this? 641 00:39:14.560 --> 00:39:17.080 It's not just that easy just to reproduce. 642 00:39:18.240 --> 00:39:20.080 But we've been definitely exploring it. 643 00:39:20.080 --> 00:39:24.000 But I love for what you guys have done is created amazing synergy. 644 00:39:24.000 --> 00:39:27.000 So especially people who are in America and Canada want to just, 645 00:39:27.400 --> 00:39:29.600 you know, where there are whole life insurance policies. 646 00:39:29.600 --> 00:39:33.360 And we're also in the mentorship after this 647 00:39:33.360 --> 00:39:38.080 going to be exploring this with Boyd of how international people can get into 648 00:39:38.080 --> 00:39:40.320 what they're doing, but 649 00:39:40.840 --> 00:39:44.440 what that what the whole life insurance policy enables you to do 650 00:39:44.440 --> 00:39:47.040 is actually you put money into it. Brilliant. 651 00:39:47.040 --> 00:39:49.800 Actually, you can divert all of your income into it if you want, 652 00:39:49.800 --> 00:39:51.880 which gives you more leverage. 653 00:39:51.880 --> 00:39:56.400 And so you can actually take an interest free loan from your own policy. 654 00:39:56.680 --> 00:39:58.720 Is that that's how it works, right? 655 00:39:58.720 --> 00:39:59.720 Well, technically. 656 00:40:00.000 --> 00:40:07.280 When you take that money, you take it as a loan because you're not taking your own. 657 00:40:07.280 --> 00:40:12.000 Let's say this is your cash value. You created an equivalent line of credit over here from a 658 00:40:12.000 --> 00:40:16.480 different pot of money, the insurance companies. So you take that as a loan and you are going to 659 00:40:16.480 --> 00:40:20.720 pay interest on that. But guess what you're earning over here? You're earning interest 660 00:40:20.720 --> 00:40:25.280 and dividends on the entire amount because your money never left. It's still in there 661 00:40:25.280 --> 00:40:29.200 earning for you and just creating more leverage for you to borrow against. 662 00:40:29.760 --> 00:40:36.560 But what you're working with with your crew is then taking that money, which you're borrowing 663 00:40:36.560 --> 00:40:41.040 from your whole life insurance policy, and then putting it into your own community's banking 664 00:40:41.040 --> 00:40:45.760 dynamic, which because of the policies, people are actually able to leverage hundreds of thousands of 665 00:40:45.760 --> 00:40:51.120 dollars, drop it in there. And so you're activating this mindset and this understanding around wealth 666 00:40:51.120 --> 00:40:56.480 that is really an elite mindset, which is the velocity of money. So you have your money, 667 00:40:56.480 --> 00:40:59.280 making money, making money, making money, making money. 668 00:41:00.320 --> 00:41:03.920 And the only way you can do that is you have to offset the risk on the money, 669 00:41:04.560 --> 00:41:10.880 because as long as any type of wealth is under risk, all you can do is hope that you don't lose 670 00:41:10.880 --> 00:41:18.640 it and maybe gain. As soon as any kind of wealth is put into a offset risk, you can do infinite 671 00:41:18.640 --> 00:41:23.920 banking. That's what becoming your own banker is. You get into that game. And just to type, 672 00:41:23.920 --> 00:41:27.360 because I know you want to land the plane on a loose end here. It's important to understand 673 00:41:27.360 --> 00:41:31.040 if you have one of these policies, you're a mutual owner in the mutual company, 674 00:41:32.400 --> 00:41:36.720 because you've got a community of people that have now created the ability to offset risk. 675 00:41:36.720 --> 00:41:41.520 And essentially, it's a private way of self-insuring the members. The key with our 676 00:41:41.520 --> 00:41:46.080 partnership is when we acquire one of those plazas, or one of those office buildings, 677 00:41:46.080 --> 00:41:51.120 or whatever we're acquiring those assets, none of us directly own those assets. 678 00:41:51.920 --> 00:41:59.120 We own the holding company that owns the assets. What that means is, is our members effectively 679 00:41:59.120 --> 00:42:03.760 are set up in such a fashion, because of our strength, we're able to, if you will, 680 00:42:03.760 --> 00:42:08.480 self-insure every member to create the guarantees that nobody's capital will be lost. 681 00:42:08.480 --> 00:42:12.960 And one of the proofs of that is we have an outside insurance company that actually looks 682 00:42:12.960 --> 00:42:19.520 at the partnership and says, yep, you guys are a private self-regulated community that's able to 683 00:42:19.920 --> 00:42:26.400 take care and self-insure your own members. So sure, well, we'll give you a very special 684 00:42:26.400 --> 00:42:30.560 form of casualty insurance over the entire operation called a fidelity bond. 685 00:42:30.560 --> 00:42:35.360 So we actually have an outside insurance policy over the operation. But the only reason we have 686 00:42:35.360 --> 00:42:40.960 that is because we are like a mutual company that can self-insure our members, because we have 687 00:42:40.960 --> 00:42:48.240 a community that has the power to do that for every member. That's the confirming of the covenant. 688 00:42:49.120 --> 00:42:54.960 The power to create the wealth to confirm when you got people in covenant, you're able to create 689 00:42:55.600 --> 00:42:59.280 the guarantees. And as soon as you start creating guarantees, it means you're in the banking 690 00:42:59.280 --> 00:43:05.680 business as an owner. And now you're in position to start discipling some nations around here. 691 00:43:06.320 --> 00:43:14.080 Totally. And it's really, that's how you really heavenize the earth. It's from as it is in heaven, 692 00:43:14.080 --> 00:43:20.480 so it is on the earth. This is through that real process of communal covenant confirming 693 00:43:21.040 --> 00:43:30.000 relationship that really establishes a new system for people that's risk-averse in the dynamic that 694 00:43:30.000 --> 00:43:35.760 we're talking about, which is so powerful. Guess what happens when treasure is stored 695 00:43:36.560 --> 00:43:44.400 in heaven? It's where moth and rust do not destroy the wealth. The wealth that is connected to a 696 00:43:44.400 --> 00:43:52.720 heavenly storehouse is permanent wealth. That's the key. Everything else is moth rust gets a 697 00:43:52.720 --> 00:43:59.120 hold of it. And all you can do there is eat, drink, and be merry for tomorrow you die. That's 698 00:43:59.120 --> 00:44:05.440 the economy that gives rise to all forms of status control over capital, crony capitalism, 699 00:44:05.440 --> 00:44:12.080 and also centralized forms of capitalism in the form of Marxism. They're both status controls. 700 00:44:12.080 --> 00:44:18.640 Those are both perversions of capital. The key is when we place capital in a format 701 00:44:19.440 --> 00:44:25.040 that is in our kingdom format, we're in the business of using that capital to do what? 702 00:44:26.000 --> 00:44:30.960 To capitalize others in the community so that they can become permanent owners. This is the 703 00:44:30.960 --> 00:44:35.280 whole thing about leaving Egypt, going into the desert, and then into the promised land. When 704 00:44:35.280 --> 00:44:42.240 you go into the promised land, you've transitioned from working for somebody else as a slave to 705 00:44:42.240 --> 00:44:50.400 becoming a permanent owner. It is not just ownership. It is placing wealth in a format 706 00:44:50.400 --> 00:44:56.880 where you can offset the economic effects of death. What I love about these whole life policies, 707 00:44:56.880 --> 00:44:59.840 there is a column of numbers with every 708 00:45:00.000 --> 00:45:08.960 whole life policy that's headed by a very odd phrase. It's called death benefit. What a crazy 709 00:45:08.960 --> 00:45:16.480 odd phrase. What that is saying is that's the portion of the future wealth that you're going 710 00:45:16.480 --> 00:45:21.760 to create, that if you're not here on the planet creating it, it's still going to go to your heirs. 711 00:45:21.760 --> 00:45:25.280 In other words, what we're doing with the policies, what we're doing with our communities, 712 00:45:25.280 --> 00:45:31.840 we're offsetting the economic effects of death. That means that we are doing an economy that 713 00:45:31.840 --> 00:45:37.760 the Babylonians will never be able to do. It's an economy of infinite banking, an economy of 714 00:45:37.760 --> 00:45:44.720 permanent wealth, and once wealth is permanentized, you can create fruitfulness by multiplication. 715 00:45:44.720 --> 00:45:52.240 We are not given the command to be fruitful and just add. It's be fruitful, multiply, 716 00:45:52.480 --> 00:45:59.040 fill the earth, subdue it. Our fruitfulness must be in the form of multiplication. Otherwise, 717 00:45:59.600 --> 00:46:06.160 we are not going to be discipling any nations. The moment you get into wealth and multiplication, 718 00:46:06.960 --> 00:46:12.560 then you're in a position to start fulfilling Deuteronomy 28. 719 00:46:15.280 --> 00:46:20.160 Fantastic. Hey, well, we'll be really excited. I know that for a lot of people, 720 00:46:20.160 --> 00:46:24.160 these concepts might be like, wow, that's really interesting, kind of intriguing, 721 00:46:24.160 --> 00:46:30.560 like capturing them, but not like fully landing. And definitely for me, it took a good 722 00:46:32.000 --> 00:46:37.120 period of time to kind of soak in it and really get my head around it. So we'll be really excited 723 00:46:37.120 --> 00:46:43.200 to have Boyd back during the mentorship program as well. And we'll see, we might be able to get 724 00:46:43.200 --> 00:46:48.000 Dave in for that as well. But I have chatted to Boyd about this in the mentorship program 725 00:46:48.000 --> 00:46:52.160 to be able to create some opportunity for you guys to actually really sit a little bit more 726 00:46:52.160 --> 00:46:56.640 and go a little bit deeper and understand some of these concepts more thoroughly, 727 00:46:56.640 --> 00:47:02.560 because they're very exciting, very, very powerful. And we are working on creating 728 00:47:03.280 --> 00:47:08.640 some portals or some pathways together for how international people can participate 729 00:47:09.440 --> 00:47:13.920 in this. So that's a process and an infrastructure that we're working on at the moment. 730 00:47:14.880 --> 00:47:24.640 Yeah. But if you're in the U.S. and you feel the itching to get started in this process 731 00:47:24.640 --> 00:47:27.760 with you guys, what's the best step forward? 732 00:47:29.920 --> 00:47:38.160 I suppose they could email either one of us. My email is dave at centerpoint.partners. 733 00:47:39.040 --> 00:47:40.560 And Boyd, what's yours? 734 00:47:41.440 --> 00:47:49.840 Yeah, it's bmorris at centerpoint.partners. And yeah, we can be sure everybody is able 735 00:47:49.840 --> 00:47:55.520 to contact us. And then we just personalize and customize this kind of conversation that we have 736 00:47:55.520 --> 00:48:01.840 had here that Benji just said that we can have in some other forums and group settings. It's really, 737 00:48:01.840 --> 00:48:06.080 Dave and I just love to meet with people one-on-one and personalize and customize all of 738 00:48:06.080 --> 00:48:12.480 this in a way that creates what we call a roadmap, a personalized way of taking people, 739 00:48:12.480 --> 00:48:16.400 anybody from where they're at to where they want to go. And we create a roadmap in between those 740 00:48:16.400 --> 00:48:21.040 two points. And it takes all of this kind of conversation and makes it very concrete, 741 00:48:21.040 --> 00:48:23.600 graspable. And there you go. 742 00:48:24.960 --> 00:48:34.400 So amazing. Well, gentlemen, what a gift to the planet. And 743 00:48:35.360 --> 00:48:40.960 I think that the more that people kind of lean in and see what you've created and the impact of it 744 00:48:43.360 --> 00:48:48.960 and the capacity of it and the just everything about it, I think the more they lean into it 745 00:48:48.960 --> 00:48:53.280 and the more that they connect with you guys as well and just see like your heart and something 746 00:48:53.280 --> 00:49:03.040 that you probably won't know about Boyd is that he is a bishop. And yeah, so he's got a number of 747 00:49:03.040 --> 00:49:07.440 books he's written. Something you won't know about David is that he's an ex-fighter pilot. 748 00:49:09.040 --> 00:49:13.520 These guys are just amazing. And when you get to know their stories and their hearts and their 749 00:49:13.520 --> 00:49:18.480 journey, you will just fall more and more in love with them, with what they're creating. 750 00:49:18.480 --> 00:49:24.800 And I love your phrase, Boyd, about heavenizing Earth. And that's really your heart and your 751 00:49:24.800 --> 00:49:31.680 motivation is how do we actually bring the infrastructure of heaven and establish it 752 00:49:31.680 --> 00:49:38.560 systemically into the Earth? But it has to start somewhere. It has to start in community. 753 00:49:39.120 --> 00:49:47.360 And I love how you guys have communicated to people the power of community, that we do have 754 00:49:47.360 --> 00:49:53.120 massive leverage in community. And you guys have created the systems and the opportunity for people 755 00:49:53.120 --> 00:49:59.120 to jump on board and flow into that. So I guess on behalf of the whole planet, thank you for what 756 00:49:59.120 --> 00:50:00.080 you guys are doing. 757 00:50:00.000 --> 00:50:04.000 Yeah, thanks for giving us the opportunity to share. 758 00:50:04.000 --> 00:50:07.000 Seb, any final thoughts from you, my man? 759 00:50:07.000 --> 00:50:09.000 No, I love it so much. 760 00:50:09.000 --> 00:50:16.000 I'm excited for this, some momentum to just keep building in this space. 761 00:50:16.000 --> 00:50:19.000 And, you know, for us as a movement with raising royalty, 762 00:50:19.000 --> 00:50:26.000 but also this cross-pollination of partnership with helping people really understand that 763 00:50:26.000 --> 00:50:31.000 if you can think about your finances the way heaven thinks about your finances, 764 00:50:31.000 --> 00:50:35.000 then everything is limitless before you. 765 00:50:35.000 --> 00:50:37.000 And so this is a cool place to be. 766 00:50:37.000 --> 00:50:39.000 So I'm excited to be on the journey with you guys. 767 00:50:39.000 --> 00:50:40.000 Fantastic. 768 00:50:40.000 --> 00:50:47.000 Hey, next up we have Marina with a phenomenal story. 769 00:50:47.000 --> 00:50:49.000 So, so powerful. 770 00:50:49.000 --> 00:50:53.000 Grew up in Tajikistan during a complete economic collapse 771 00:50:53.000 --> 00:50:56.000 and the whole nation went into crazy poverty. 772 00:50:56.000 --> 00:51:01.000 And, I mean, that had huge ramifications on her, on her family, 773 00:51:01.000 --> 00:51:07.000 and how actually just completely destroyed everything really when that collapse came. 774 00:51:07.000 --> 00:51:10.000 But her journey of rising from the ashes out of that place, 775 00:51:10.000 --> 00:51:11.000 we're so excited about that. 776 00:51:11.000 --> 00:51:14.000 But Dave, would you close for us in prayer as we wrap up? 777 00:51:14.000 --> 00:51:15.000 Yeah, absolutely. 778 00:51:15.000 --> 00:51:17.000 Father God, we just thank you for this time. 779 00:51:17.000 --> 00:51:20.000 Lord, I just thank you for Benji and Sebastian, 780 00:51:20.000 --> 00:51:24.000 Boyd and all the other presenters here and all the attendees. 781 00:51:24.000 --> 00:51:30.000 Lord, we're just looking for a way to build your kingdom through the principles 782 00:51:30.000 --> 00:51:32.000 that you've already laid out to us. 783 00:51:32.000 --> 00:51:36.000 Help us keep our eyes open, our hearts and our minds open to, 784 00:51:36.000 --> 00:51:41.000 to the way you're speaking to us about just how to, how to build this community, 785 00:51:41.000 --> 00:51:43.000 how to bring heaven to earth. 786 00:51:43.000 --> 00:51:47.000 And Lord just bless the rest of this, this event. 787 00:51:47.000 --> 00:51:50.000 And I just thank you for everybody here who's a part of it. 788 00:51:50.000 --> 00:51:51.000 In Jesus' name we pray. 789 00:51:51.000 --> 00:51:52.000 Amen. 790 00:51:52.000 --> 00:51:53.000 Amen. 791 00:51:53.000 --> 00:51:54.000 Fantastic. 792 00:51:54.000 --> 00:51:56.000 Thank you so much, gentlemen. 793 00:51:56.000 --> 00:52:00.000 Have a wonderful rest of your day, and we look forward to journeying further. 794 00:52:00.000 --> 00:52:02.000 And for those that are keen to go deeper, 795 00:52:02.000 --> 00:52:06.000 I see Rachel's dropping email addresses in the comments at the moment, 796 00:52:06.000 --> 00:52:07.000 which is cool. 797 00:52:07.000 --> 00:52:11.000 We'll send you guys email addresses as well so you can connect with these guys. 798 00:52:11.000 --> 00:52:13.000 But thank you so much. 799 00:52:13.000 --> 00:52:16.000 And we look forward to more in the mentorship and more in the days to come. 800 00:52:16.000 --> 00:52:18.000 So bless you. 801 00:52:18.000 --> 00:52:19.000 Bye guys. 802 00:52:19.000 --> 00:52:20.000 Bye guys.