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 gonna 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 gonna be pretty wild 15 00:00:47.600 --> 00:00:50.360 and you're gonna 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 00:01:18.960 --> 00:01:23.960 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 --> 00:01:33.280 through your son. 29 00:01:34.240 --> 00:01:36.760 So come Lord and visit us, 30 00:01:36.760 --> 00:01:40.720 come and release your power for wealth creation 31 00:01:40.720 --> 00:01:43.680 that we can be confirming the covenant together 32 00:01:43.680 --> 00:01:45.240 in ways that bless your heart. 33 00:01:45.240 --> 00:01:47.400 And we pray these things in the name of the Father, 34 00:01:47.400 --> 00:01:49.240 the Son, and the Holy Spirit, amen. 35 00:01:51.240 --> 00:01:52.400 Amen. 36 00:01:52.400 --> 00:01:57.280 Now, Seb, I know that one of your favorite verses 37 00:01:57.280 --> 00:02:00.040 is in Deuteronomy. 38 00:02:00.040 --> 00:02:02.080 Do you wanna share your favorite verse with us there, Seb, 39 00:02:02.080 --> 00:02:02.960 from Deuteronomy? 40 00:02:02.960 --> 00:02:05.840 And then I'd love to hear Boyd 41 00:02:07.160 --> 00:02:10.440 talk through some of these really powerful principles 42 00:02:10.440 --> 00:02:12.840 that are embedded in Deuteronomy 43 00:02:12.840 --> 00:02:15.600 that actually are core to disabling nations. 44 00:02:16.560 --> 00:02:17.400 So, good. 45 00:02:17.400 --> 00:02:20.880 I used to think the first, you know, 46 00:02:20.880 --> 00:02:24.560 after Exodus, the next three books were a little boring. 47 00:02:24.560 --> 00:02:27.440 Then I really read them and I discovered, 48 00:02:29.120 --> 00:02:31.720 you know, firstly, my favorite verse in there 49 00:02:31.720 --> 00:02:33.960 is Deuteronomy 8, 18, 50 00:02:35.000 --> 00:02:37.200 which is, for as the Lord your God 51 00:02:37.200 --> 00:02:40.720 who gives you the ability to produce wealth, 52 00:02:40.720 --> 00:02:43.760 for it so confirms your covenant with him. 53 00:02:43.760 --> 00:02:46.360 Meaning the production of wealth 54 00:02:46.360 --> 00:02:50.360 is inherently a part of what confirms your covenant 55 00:02:50.360 --> 00:02:51.240 with God. 56 00:02:51.240 --> 00:02:54.800 And that whole journey has changed my life. 57 00:02:54.800 --> 00:02:57.520 But I know you've got another favorite one 58 00:02:57.520 --> 00:02:58.840 that's a little later in the book. 59 00:02:58.840 --> 00:03:00.600 So hit us through that one. 60 00:03:03.000 --> 00:03:06.520 And I think you may be thinking about Deuteronomy 28. 61 00:03:07.680 --> 00:03:10.360 There are a couple of verses there 62 00:03:10.360 --> 00:03:14.480 on the blessing side of that passage, verses 12 and 13, 63 00:03:14.480 --> 00:03:18.240 where what the Lord is telling us as his people 64 00:03:18.240 --> 00:03:22.560 is that he's going to make us the lender to many nations 65 00:03:23.440 --> 00:03:24.960 and you should not borrow. 66 00:03:24.960 --> 00:03:26.520 Then the next verse, 67 00:03:26.520 --> 00:03:29.920 the Lord shall make you the head and not the tail. 68 00:03:29.920 --> 00:03:33.240 So let's go with like what lenders do. 69 00:03:34.200 --> 00:03:38.120 Lenders, let's say they lend capital. 70 00:03:38.120 --> 00:03:41.120 Now you can spell that word out 71 00:03:41.120 --> 00:03:43.920 and then you can go down to head. 72 00:03:43.920 --> 00:03:48.560 That is the word that's connected with the idea of capital. 73 00:03:48.560 --> 00:03:50.720 The capital of your body is your head. 74 00:03:50.720 --> 00:03:54.480 So we use the word capital in the English language 75 00:03:54.480 --> 00:03:59.160 for capital financially and for capital cities. 76 00:03:59.160 --> 00:04:00.760 It's the same spelling. 77 00:04:01.640 --> 00:04:06.640 Whoever is actually the lender is the head, the capital. 78 00:04:07.520 --> 00:04:12.520 So I don't care who your political officials are, 79 00:04:13.080 --> 00:04:14.520 whoever is banking, 80 00:04:15.440 --> 00:04:18.279 whoever is in control of the capital for banking 81 00:04:18.279 --> 00:04:20.200 is actually the cultural leader. 82 00:04:21.160 --> 00:04:23.840 And that's what we're supposed to be. 83 00:04:23.840 --> 00:04:28.840 So there's a very interesting verse in Ephesians 1.10. 84 00:04:30.160 --> 00:04:35.160 It speaks about Christ as the one who, 85 00:04:35.720 --> 00:04:38.560 the recapitalization, it's sometimes translated 86 00:04:38.560 --> 00:04:41.360 as the summing up of all things in heaven and on earth. 87 00:04:41.360 --> 00:04:43.960 Well, a body is summed up in the head. 88 00:04:43.960 --> 00:04:47.080 The actual word there in the Greek 89 00:04:47.080 --> 00:04:50.000 is the idea of recapitalization. 90 00:04:50.000 --> 00:04:53.520 Christ is recapitalizing all things in heaven and on earth. 91 00:04:54.680 --> 00:04:55.920 He's the new head. 92 00:04:57.800 --> 00:05:00.360 What Adam failed to do, Christ has succeeded. 93 00:05:00.000 --> 00:05:06.500 seated in doing. He's the new corporate man. Okay. And so all 94 00:05:06.500 --> 00:05:10.980 things in heaven and earth are being recapitalized by Christ in 95 00:05:10.980 --> 00:05:16.980 his body. All right. Christ's body is not headless. And Christ 96 00:05:17.180 --> 00:05:20.580 is not just a head without a body, that the body of Christ is 97 00:05:20.580 --> 00:05:24.360 a head and a body we are together with him being called 98 00:05:24.360 --> 00:05:30.800 to recapitalize all things in heaven and earth. How about that, 99 00:05:30.960 --> 00:05:31.360 Benji? 100 00:05:31.840 --> 00:05:38.080 Yeah, man, that, that is, that is so wild. And I'd be good to 101 00:05:38.080 --> 00:05:41.400 hear for people who don't know, whereabouts are you based? So 102 00:05:41.440 --> 00:05:43.400 Dave, where are you sitting right now? 103 00:05:44.160 --> 00:05:48.440 I'm sitting in Minnetonka, Minnesota. It's in the western 104 00:05:49.040 --> 00:05:52.440 metropolis of the Minneapolis St. Paul area. 105 00:05:52.600 --> 00:05:55.880 Yeah, nice. And Boyd, where are you? Where are you based? 106 00:05:56.480 --> 00:05:58.440 Colorado Springs, Colorado. 107 00:05:59.040 --> 00:06:04.240 Very nice. Cool. Well, it's, it's cool to be here. I mean, 108 00:06:04.240 --> 00:06:07.720 since in California, I'm in New Zealand. And we're now seeing 109 00:06:07.720 --> 00:06:11.120 this. I mean, it's just an amazing time in history where 110 00:06:11.120 --> 00:06:14.240 from all over the world, we can gather together. And it's given 111 00:06:14.240 --> 00:06:20.080 the given us the ability to do community. And in the past, you 112 00:06:20.080 --> 00:06:22.840 know, you might have had a few people who had similar thoughts, 113 00:06:22.840 --> 00:06:25.080 but they might have been dispersed all around the world. 114 00:06:25.080 --> 00:06:28.680 But now we have the opportunity just to align, to connect, to 115 00:06:28.680 --> 00:06:34.080 converge, to strategize, to work together. And I think one of the 116 00:06:34.080 --> 00:06:38.120 keys to be able to work together is having a genius blueprint. 117 00:06:38.160 --> 00:06:41.080 And I think that that's something that you guys have 118 00:06:41.400 --> 00:06:46.680 really created in your community, that is creating, I've 119 00:06:46.680 --> 00:06:49.560 never seen, I haven't seen anything like it on the planet 120 00:06:49.560 --> 00:06:52.400 of what you guys are doing. And so if you guys want to just, 121 00:06:52.440 --> 00:06:55.600 you know, between you give us a little bit of an overview of 122 00:06:55.600 --> 00:07:00.280 what's happening in your community. And because I know 123 00:07:00.280 --> 00:07:03.040 that when people start to see it, they're just gonna be crazy 124 00:07:03.040 --> 00:07:04.880 blown away by what you guys are creating. 125 00:07:07.840 --> 00:07:12.680 So what's happened is for Dave and I will just go back and 126 00:07:12.680 --> 00:07:16.760 forth. And you guys can keep us on track of the journey that 127 00:07:16.760 --> 00:07:21.600 we've been on. For my wife, Sheila, and I, we had a had a 128 00:07:21.600 --> 00:07:26.760 real knock in 2008. With our friends and family, we lost, we 129 00:07:26.760 --> 00:07:32.440 lost, you know, 1.5 million plus in value, and watching wealth 130 00:07:32.440 --> 00:07:35.560 disappear in that market downturn. And one of the things 131 00:07:35.560 --> 00:07:41.360 that became apparent during that hard time was that if we were 132 00:07:41.360 --> 00:07:45.480 going to reinvent ourselves, it wasn't a matter of just trying 133 00:07:45.480 --> 00:07:49.000 to find a way to do investing better, we need to figure out 134 00:07:49.000 --> 00:07:52.920 how to do banking, and not as a customer, but as an owner on the 135 00:07:52.920 --> 00:07:56.080 banking side, we needed to switch positions at the desk 136 00:07:56.080 --> 00:07:59.440 from customer to owner on the banking side of the financial 137 00:07:59.440 --> 00:08:04.640 world. Because when it comes to creating wealth, the Deuteronomy 138 00:08:04.680 --> 00:08:10.480 818, there's a couple ways that wealth, we want to just narrow 139 00:08:10.480 --> 00:08:14.200 it down to the tool of money for a moment, we could say there's a 140 00:08:14.200 --> 00:08:18.960 couple ways to create an income or to create income streams. And 141 00:08:18.960 --> 00:08:22.920 there's really only two fundamental ways. One is people 142 00:08:22.920 --> 00:08:25.920 make money. And the other is money makes money. 143 00:08:27.760 --> 00:08:32.559 Investing is not money making money. If you don't have people 144 00:08:32.559 --> 00:08:35.400 at the end of your investment making money, your investment is 145 00:08:35.400 --> 00:08:38.640 going to be worth zero. I have rental properties, and it's 146 00:08:38.640 --> 00:08:42.080 still a people has to write a rent check. It's a people 147 00:08:42.080 --> 00:08:46.480 dependent business investing is. So there's two kinds of 148 00:08:46.480 --> 00:08:49.840 work. There's us working to make money, and then there's money 149 00:08:50.120 --> 00:08:53.920 working to make money. The only people that genuinely have money 150 00:08:53.920 --> 00:08:58.320 making money in their world are the people who are not even 151 00:08:58.320 --> 00:09:01.560 customers of banks and insurance companies. They are the owners 152 00:09:02.960 --> 00:09:05.800 of the bank in an insurance space and banking and insurance 153 00:09:05.800 --> 00:09:09.960 are two sides of the same coin. They're both involved in risk 154 00:09:09.960 --> 00:09:15.960 offset. So what goes on in the money when money is made by 155 00:09:15.960 --> 00:09:21.760 people in an investment space and a people working space, what 156 00:09:21.760 --> 00:09:27.760 you're doing with risk is you're having to manage it. The banking 157 00:09:27.760 --> 00:09:30.960 and insurance business for owners is not the business of 158 00:09:30.960 --> 00:09:37.080 managing risk. It's the business of offsetting risk. The key to 159 00:09:37.080 --> 00:09:40.320 discipling nations economically is we have to be in the risk 160 00:09:40.360 --> 00:09:44.720 offset business, we cannot be only in the business, or even 161 00:09:44.720 --> 00:09:50.120 primarily in the business of managing risk. That's what the 162 00:09:50.120 --> 00:09:54.280 Babylonians do. That's all they can do. If we're going to defund 163 00:09:54.280 --> 00:09:57.400 Babylon and finance Jerusalem, we have to be in the risk 164 00:09:57.440 --> 00:09:59.800 offset business. What does this mean? 165 00:10:00.000 --> 00:10:03.360 Well, I mean, think about it, Benji and Sebastian. 166 00:10:03.360 --> 00:10:07.920 The, if you guys are like our banker for Dave and I, 167 00:10:09.840 --> 00:10:14.840 and you give us a car loan and we make our car payments, 168 00:10:16.760 --> 00:10:19.520 principle and interest, you guys make money, right? 169 00:10:19.520 --> 00:10:20.360 Yeah. 170 00:10:20.360 --> 00:10:25.000 Now, what if Dave and I stop making our car payments? 171 00:10:26.000 --> 00:10:26.840 What are you- 172 00:10:26.840 --> 00:10:27.800 Making money. 173 00:10:27.800 --> 00:10:30.920 Now, I like what you're saying, 174 00:10:30.920 --> 00:10:33.200 and I just want to pause and interrupt just for a moment, 175 00:10:33.200 --> 00:10:34.040 because this is, 176 00:10:34.040 --> 00:10:35.560 I've talked about this a couple of times 177 00:10:35.560 --> 00:10:36.880 in the summit so far, 178 00:10:36.880 --> 00:10:39.160 about the concept of, you know, 179 00:10:39.160 --> 00:10:43.280 we could en masse unsubscribe from banking and insurance, 180 00:10:43.280 --> 00:10:44.120 and in a sense, 181 00:10:44.120 --> 00:10:48.720 defund the catalysts of chaos by doing a mass unsubscribe. 182 00:10:48.720 --> 00:10:49.560 So anyone, 183 00:10:49.560 --> 00:10:52.480 anytime someone talks about the idea of like unsubscribing, 184 00:10:52.480 --> 00:10:54.240 like what you're talking about, I like it. 185 00:10:54.240 --> 00:10:55.440 So carry on. 186 00:10:55.440 --> 00:10:57.600 Yeah, so let's go back to, 187 00:10:57.600 --> 00:11:01.520 if Dave and I stop making our principle 188 00:11:01.520 --> 00:11:03.040 and interest payments to you, 189 00:11:03.040 --> 00:11:05.000 you're bankers, what do you do? 190 00:11:06.400 --> 00:11:07.240 We take the car. 191 00:11:07.240 --> 00:11:08.600 Or knock it on your door. 192 00:11:08.600 --> 00:11:09.640 You take the car. 193 00:11:09.640 --> 00:11:12.080 You repossess the car. 194 00:11:12.080 --> 00:11:13.080 Yep. 195 00:11:13.080 --> 00:11:14.800 Bankers take collateral. 196 00:11:14.800 --> 00:11:16.800 They don't take risk. 197 00:11:16.800 --> 00:11:20.080 So it doesn't matter what Dave and I do. 198 00:11:20.080 --> 00:11:22.840 If we make our car payments, you make money. 199 00:11:22.840 --> 00:11:25.400 If we don't make our car payments, 200 00:11:26.360 --> 00:11:27.760 you still make money. 201 00:11:27.760 --> 00:11:28.680 Yeah. 202 00:11:28.680 --> 00:11:30.880 Bankers always make money. 203 00:11:30.880 --> 00:11:35.880 And it's because it is a different approach to, 204 00:11:37.240 --> 00:11:39.200 it's not a different approach in the sense 205 00:11:39.200 --> 00:11:42.800 that it's contradictory to people making money. 206 00:11:42.800 --> 00:11:46.800 It's more like the foundation that's under any economy. 207 00:11:46.800 --> 00:11:48.440 The actual found, 208 00:11:48.440 --> 00:11:50.960 sometimes we have financial tools out there 209 00:11:50.960 --> 00:11:52.880 called foundations, right? 210 00:11:52.920 --> 00:11:57.920 So when the economic collapse hit in 2008, 211 00:11:59.040 --> 00:12:00.000 Sheila and I and our friends, 212 00:12:00.000 --> 00:12:03.120 we found out that we had a house built on sand. 213 00:12:03.120 --> 00:12:03.960 Wow. 214 00:12:03.960 --> 00:12:05.600 The economic storm came, the winds blew, 215 00:12:05.600 --> 00:12:08.360 the waters came and boom, the house like came down. 216 00:12:08.360 --> 00:12:11.880 The foundation of risk, 217 00:12:11.880 --> 00:12:14.120 what happens in banking, 218 00:12:14.120 --> 00:12:16.160 if you're the owner, 219 00:12:16.160 --> 00:12:18.480 is you've positioned wealth in a place 220 00:12:18.480 --> 00:12:20.880 where it's number one protected from loss. 221 00:12:23.040 --> 00:12:25.160 So there's three things that we've learned 222 00:12:25.160 --> 00:12:27.960 as a community that we need to do. 223 00:12:29.040 --> 00:12:32.800 One of them is we need to learn how to take our wealth 224 00:12:32.800 --> 00:12:37.800 and place it in a format where we actually have guarantees. 225 00:12:39.040 --> 00:12:42.960 There's only really one kind of place 226 00:12:42.960 --> 00:12:44.800 in the business world, in the financial world, 227 00:12:44.800 --> 00:12:46.000 where guarantees happen 228 00:12:46.000 --> 00:12:47.680 and it's in the banking and insurance space. 229 00:12:47.680 --> 00:12:49.720 And it's really the key is to be an owner, 230 00:12:49.720 --> 00:12:50.920 not just a customer. 231 00:12:50.920 --> 00:12:52.360 Most of us have checking accounts. 232 00:12:52.880 --> 00:12:54.720 Most of us pay car insurance, whatever. 233 00:12:54.720 --> 00:12:56.640 We're all, in some ways, 234 00:12:56.640 --> 00:12:58.000 we have a customer relationship 235 00:12:58.000 --> 00:12:59.640 with banks and insurance companies. 236 00:12:59.640 --> 00:13:03.520 But the thing about where most wealth is created, 237 00:13:03.520 --> 00:13:07.960 it's created in the space of people 238 00:13:07.960 --> 00:13:11.480 who own and control wealth in a permanent format, 239 00:13:11.480 --> 00:13:13.080 not in a temporary format. 240 00:13:13.080 --> 00:13:14.000 So what does this mean? 241 00:13:14.000 --> 00:13:15.120 It means, for example, 242 00:13:15.120 --> 00:13:17.960 when we have members of our community participate 243 00:13:18.960 --> 00:13:22.720 in how we go about doing wealth creation together, 244 00:13:22.720 --> 00:13:24.640 if there is a chunk of change 245 00:13:24.640 --> 00:13:26.600 that's deposited with the community, 246 00:13:26.600 --> 00:13:30.920 it goes under an insurance policy and will never be lost. 247 00:13:30.920 --> 00:13:32.000 Wow. 248 00:13:32.000 --> 00:13:34.200 It will never be lost in a great depression. 249 00:13:34.200 --> 00:13:36.360 It will never be lost in some market bubble 250 00:13:36.360 --> 00:13:38.760 because, first of all, it's not being invested. 251 00:13:39.720 --> 00:13:40.720 It's being banked. 252 00:13:40.720 --> 00:13:42.000 You see, the thing about bankers 253 00:13:42.000 --> 00:13:44.080 is they know how to get a lot more value 254 00:13:44.120 --> 00:13:48.800 out of not spending and investing money, but banking it. 255 00:13:48.800 --> 00:13:50.560 That's why they're bankers, right? 256 00:13:50.560 --> 00:13:51.520 Right. 257 00:13:51.520 --> 00:13:55.360 Because if you have money and you spend it on stuff, 258 00:13:55.360 --> 00:13:57.640 you know what you have then? 259 00:13:58.960 --> 00:14:00.480 Stuff and no money. 260 00:14:00.480 --> 00:14:01.760 Yeah. 261 00:14:01.760 --> 00:14:03.720 If you take your money 262 00:14:03.720 --> 00:14:05.960 and put it into a money-making money business 263 00:14:05.960 --> 00:14:08.200 and use the money your money makes to get stuff, 264 00:14:08.200 --> 00:14:10.240 you know what you have then? 265 00:14:10.240 --> 00:14:12.120 Stuff and your money. 266 00:14:12.120 --> 00:14:14.040 And more money coming. 267 00:14:15.000 --> 00:14:16.600 That's at least 200% better, 268 00:14:16.600 --> 00:14:18.160 and we're just getting started. 269 00:14:18.160 --> 00:14:21.720 So everything about money is, 270 00:14:21.720 --> 00:14:24.080 money is way more valuable being banked 271 00:14:24.080 --> 00:14:26.080 than it is being spent or invested. 272 00:14:26.080 --> 00:14:29.400 The key money to spend and the key money to invest 273 00:14:29.400 --> 00:14:30.640 is the money your money makes. 274 00:14:30.640 --> 00:14:33.360 We've got way better things to do with our money 275 00:14:33.360 --> 00:14:35.200 than spending it and investing it. 276 00:14:35.200 --> 00:14:39.320 This is such a key concept for people, 277 00:14:39.320 --> 00:14:41.200 which we've been trying to highlight as well, 278 00:14:41.200 --> 00:14:43.520 is never spend your capital. 279 00:14:44.560 --> 00:14:45.680 Hi. 280 00:14:45.680 --> 00:14:49.880 So what we do is we place capital in a position 281 00:14:49.880 --> 00:14:52.240 because we function, 282 00:14:52.240 --> 00:14:54.240 and this is something we can all do together, 283 00:14:54.240 --> 00:14:55.440 and it's very simple. 284 00:14:56.400 --> 00:14:57.880 We can all function together 285 00:14:57.880 --> 00:14:59.920 as our own private self-regulated. 286 00:15:00.000 --> 00:15:03.520 and family community that operates like a bank. 287 00:15:03.520 --> 00:15:08.040 We are a bank in our community that operates like a bank. 288 00:15:08.040 --> 00:15:11.280 And so what happens is, is when we deposit, 289 00:15:11.280 --> 00:15:15.040 when we place funds or values in our community, 290 00:15:15.040 --> 00:15:16.800 they are protected from loss. 291 00:15:16.800 --> 00:15:17.720 That is the key. 292 00:15:18.600 --> 00:15:20.280 The risk is offset. 293 00:15:21.320 --> 00:15:22.160 Okay. 294 00:15:22.160 --> 00:15:24.560 So just slow that down for us just for one second. 295 00:15:24.560 --> 00:15:26.520 Like how do you offset the risk? 296 00:15:27.520 --> 00:15:29.240 Well, think about what, 297 00:15:29.240 --> 00:15:31.920 if you pair up banking and insurance, 298 00:15:31.920 --> 00:15:34.520 you can hear it kind of in the word insurance. 299 00:15:35.760 --> 00:15:38.360 Like if you have car insurance, 300 00:15:38.360 --> 00:15:40.760 what you've done is you've offset the risk 301 00:15:40.760 --> 00:15:42.520 to the car insurance company 302 00:15:42.520 --> 00:15:45.200 that you're gonna have a crash 303 00:15:45.200 --> 00:15:47.480 and need a check sent to you 304 00:15:47.480 --> 00:15:49.120 to replace the value of the car. 305 00:15:50.160 --> 00:15:52.400 When you relate to a bank, 306 00:15:52.400 --> 00:15:55.340 when you're in a banking and insurance space, 307 00:15:55.380 --> 00:15:57.940 that space is a business of risk offset 308 00:15:57.940 --> 00:16:00.700 so that it has to be set up in such a fashion 309 00:16:00.700 --> 00:16:04.020 that the members can offset their risk 310 00:16:04.020 --> 00:16:08.620 to the commonwealth in this case, us, okay? 311 00:16:08.620 --> 00:16:09.700 To the company, whatever. 312 00:16:09.700 --> 00:16:14.700 And then there's enough capability in the community. 313 00:16:14.860 --> 00:16:17.100 When an event occurs, 314 00:16:17.100 --> 00:16:19.340 the community has the ability to, if you will, 315 00:16:19.340 --> 00:16:22.380 ensure that situation and offset 316 00:16:22.460 --> 00:16:26.940 so that you offset any potential loss 317 00:16:26.940 --> 00:16:28.280 so you don't end up lost. 318 00:16:28.280 --> 00:16:31.380 Once wealth goes into a position 319 00:16:31.380 --> 00:16:33.580 where it's in a risk offset manner, 320 00:16:33.580 --> 00:16:34.860 the thing that can happen then 321 00:16:34.860 --> 00:16:36.100 is the second thing that happens 322 00:16:36.100 --> 00:16:37.940 for the members of our community 323 00:16:37.940 --> 00:16:42.940 is they get certain regular and predictable rewards. 324 00:16:43.120 --> 00:16:45.700 We call them rewards. 325 00:16:45.700 --> 00:16:47.820 Dave can speak about how these three things, 326 00:16:47.820 --> 00:16:49.240 which I'm gonna get to number three in a minute, 327 00:16:49.240 --> 00:16:51.080 work with some other financial tools. 328 00:16:51.080 --> 00:16:55.120 But what happens is you get certain regular predictable. 329 00:16:55.120 --> 00:16:56.600 We already know ahead of time 330 00:16:58.200 --> 00:17:01.520 what the rewards, the returns are. 331 00:17:01.520 --> 00:17:03.600 We already know that they're gonna be regular, 332 00:17:03.600 --> 00:17:07.800 monthly and annual, and we know it for certain, okay? 333 00:17:07.800 --> 00:17:10.160 This is not something you get with investing. 334 00:17:10.160 --> 00:17:11.480 First of all, with investing, 335 00:17:11.480 --> 00:17:15.160 you do not have guarantees on what we call your face value 336 00:17:15.160 --> 00:17:20.000 or that money that you use to do the investment with. 337 00:17:20.000 --> 00:17:22.780 That's money where that can be potentially lost. 338 00:17:23.640 --> 00:17:26.160 The best thing that you can hope with an investment 339 00:17:26.160 --> 00:17:28.880 is you don't lose your face amount 340 00:17:28.880 --> 00:17:30.320 and maybe you earn something. 341 00:17:32.000 --> 00:17:33.720 But what we're talking, 342 00:17:33.720 --> 00:17:35.300 and then what you're gonna earn 343 00:17:35.300 --> 00:17:37.280 is not certain regular and predictable. 344 00:17:37.280 --> 00:17:38.600 You kind of have to wait 345 00:17:38.600 --> 00:17:41.080 until after it all happens to see what happened. 346 00:17:41.080 --> 00:17:44.000 We already know what's gonna happen before 347 00:17:44.000 --> 00:17:46.600 because the banking insurance business for the owners 348 00:17:46.600 --> 00:17:49.080 is a business where past performance 349 00:17:49.080 --> 00:17:51.700 does guarantee future results. 350 00:17:53.000 --> 00:17:54.600 In investing, past performance 351 00:17:54.600 --> 00:17:57.640 doesn't guarantee a blessed thing because of people. 352 00:17:57.640 --> 00:18:00.800 Because people throw in, when people are making money, 353 00:18:00.800 --> 00:18:03.080 you don't know if they're gonna show up for work or not, 354 00:18:03.080 --> 00:18:05.120 if they're gonna make a good, bad decision. 355 00:18:05.120 --> 00:18:07.980 You don't know, you can't predict what's gonna go with. 356 00:18:07.980 --> 00:18:11.260 Money making money doesn't depend upon what people do. 357 00:18:13.760 --> 00:18:15.800 People can do this, that, or the other thing, 358 00:18:15.880 --> 00:18:17.360 the people that are the lenders 359 00:18:17.360 --> 00:18:19.200 are gonna make money either way. 360 00:18:19.200 --> 00:18:20.240 Come on. 361 00:18:20.240 --> 00:18:23.680 Okay, now the third thing that happens in our community, 362 00:18:23.680 --> 00:18:24.640 which is what happens 363 00:18:24.640 --> 00:18:27.840 for when you're in the banking business as an owner, 364 00:18:28.800 --> 00:18:32.800 all the members of our community continue to own and earn 365 00:18:34.040 --> 00:18:38.000 in what we call the holding companies that we have 366 00:18:38.000 --> 00:18:39.840 after they roll their face amount out 367 00:18:42.100 --> 00:18:44.560 because they've helped create that new company. 368 00:18:44.560 --> 00:18:47.000 And after they've helped create the new company, 369 00:18:47.000 --> 00:18:50.040 they get to permanently own and earn in that company, 370 00:18:50.040 --> 00:18:53.360 even after they roll their original face amount out. 371 00:18:53.360 --> 00:18:56.000 And they can roll that face amount out into a new company 372 00:18:56.000 --> 00:18:58.720 and then just keep multiplying the value 373 00:18:58.720 --> 00:18:59.540 of their face amount. 374 00:18:59.540 --> 00:19:04.120 So what happens is guarantees on your face amount 375 00:19:04.120 --> 00:19:05.240 will not be lost. 376 00:19:05.240 --> 00:19:08.400 The earnings are regular, they're certain predictable, 377 00:19:08.400 --> 00:19:10.800 and you continue to own and earn 378 00:19:10.800 --> 00:19:12.740 after you roll the face amount out. 379 00:19:12.740 --> 00:19:16.900 The question is, where do you get something like this? 380 00:19:16.900 --> 00:19:19.460 Yeah, so let me just kind of quickly summarize that 381 00:19:19.460 --> 00:19:22.940 to kind of help if you aren't realizing 382 00:19:22.940 --> 00:19:24.140 what they're talking about. 383 00:19:24.140 --> 00:19:26.100 They've created as a community, 384 00:19:26.100 --> 00:19:28.260 and this is so genius. 385 00:19:28.260 --> 00:19:29.820 It's so genius and it works so well. 386 00:19:29.820 --> 00:19:30.900 I've never seen anything like it, 387 00:19:30.900 --> 00:19:34.100 but it's just getting me like connecting with these guys. 388 00:19:34.100 --> 00:19:37.340 So basically they've created a banking system. 389 00:19:37.340 --> 00:19:40.460 It's not specifically outrightly called a banking system, 390 00:19:40.460 --> 00:19:44.660 but functionally it is. 391 00:19:44.660 --> 00:19:47.300 And what they do is they say you put $100,000 in 392 00:19:47.300 --> 00:19:51.620 and 10 people put $100,000 and they've got a million dollars. 393 00:19:51.620 --> 00:19:54.700 Then you would use that million dollars there 394 00:19:54.700 --> 00:19:55.900 as leverage, right? 395 00:19:55.900 --> 00:19:56.980 You're not spending that money, 396 00:19:56.980 --> 00:19:59.980 but you put that into the account and you use it as leverage. 397 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. 398 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. 399 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? 400 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. 401 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. 402 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. 403 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. 404 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. 405 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? 406 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. 407 00:22:22.000 --> 00:22:27.000 Dave, what's some examples of assets you guys have been acquiring in the process? 408 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. 409 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. 410 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? 411 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. 412 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. 413 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. 414 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? 415 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. 416 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. 417 00:24:55.000 --> 00:25:00.000 The line of credit is what we use to create the asset. 418 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. 419 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. 420 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? 421 00:25:26.480 --> 00:25:27.360 We do it again. 422 00:25:27.640 --> 00:25:28.320 We do it again. 423 00:25:28.560 --> 00:25:30.400 We reuse the value again. 424 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. 425 00:25:44.240 --> 00:25:46.680 It's being reused by just sitting there. 426 00:25:47.000 --> 00:25:49.920 It's sitting there doing something very, very important. 427 00:25:49.920 --> 00:25:51.000 It's called capital. 428 00:25:51.480 --> 00:25:52.000 Yeah. 429 00:25:52.320 --> 00:25:57.520 Whoever is in control of capital, you see is running the show. 430 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. 431 00:26:03.920 --> 00:26:04.420 Okay. 432 00:26:04.560 --> 00:26:05.060 Yeah. 433 00:26:05.080 --> 00:26:06.040 What do we call that boy? 434 00:26:06.040 --> 00:26:06.960 The golden rule. 435 00:26:07.640 --> 00:26:10.680 Everybody's familiar with the traditional golden rule. 436 00:26:11.000 --> 00:26:13.640 The golden rule is the gold makes the rules. 437 00:26:13.840 --> 00:26:14.600 Absolutely. 438 00:26:14.720 --> 00:26:15.720 That's the golden rule. 439 00:26:16.360 --> 00:26:16.860 Yeah. 440 00:26:17.160 --> 00:26:20.040 So what, so let's just quickly overview this. 441 00:26:20.360 --> 00:26:23.520 People in your community are putting in together some money. 442 00:26:23.560 --> 00:26:24.640 They got a fund there. 443 00:26:24.760 --> 00:26:28.040 You use that money as leverage, not as a deposit. 444 00:26:28.680 --> 00:26:29.180 Right. 445 00:26:29.200 --> 00:26:31.960 So using your capital as leverage, not as a deposit. 446 00:26:32.360 --> 00:26:34.360 Well, we deposit it to use it as leverage. 447 00:26:34.360 --> 00:26:35.640 We just don't want to spend it. 448 00:26:35.680 --> 00:26:39.000 As opposed, but as opposed to paying it all to the bank. 449 00:26:39.000 --> 00:26:40.160 And now you've got zero. 450 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 451 00:26:49.960 --> 00:26:50.600 with a bank. 452 00:26:50.880 --> 00:26:54.040 They put a hold on that mall for, say, six months. 453 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. 454 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. 455 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. 456 00:27:29.000 --> 00:27:34.960 But in that process, without spending a dollar, have now acquired six major commercial assets. 457 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. 458 00:27:39.760 --> 00:27:40.840 And no one spent a dollar. 459 00:27:41.320 --> 00:27:44.400 Well, yeah, and the dollars that we're not spending are ours. 460 00:27:45.760 --> 00:27:47.120 Our dollars are being banked. 461 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. 462 00:27:52.320 --> 00:27:56.320 Yes, because that's what our partner banks are in business to do. 463 00:27:56.320 --> 00:27:59.440 They want us to use that credit. 464 00:27:59.600 --> 00:28:02.360 That's so what our money is paying. 465 00:28:02.400 --> 00:28:06.280 We use the credit, other people's money, right, to acquire. 466 00:28:06.800 --> 00:28:08.480 None of our dollars have been spent. 467 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. 468 00:28:16.320 --> 00:28:20.520 You're dependent now upon that investment being successful. 469 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. 470 00:28:26.880 --> 00:28:29.360 And so that becomes complicated. 471 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. 472 00:28:40.480 --> 00:28:42.720 They can grow wealth by multiplication. 473 00:28:43.400 --> 00:28:49.080 If you're invested, you're directly dependent upon that one apple tree producing apples. 474 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. 475 00:28:54.680 --> 00:28:58.080 But it's reusing the money over and over. 476 00:28:58.480 --> 00:29:04.960 And and that's that's the key to to what we do. 477 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. 478 00:29:13.880 --> 00:29:19.360 So how have you guys been able to fuse banking and insurance in your community? 479 00:29:19.360 --> 00:29:21.480 I mean, there's a lot of beauty here. 480 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. 481 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. 482 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 483 00:29:48.400 --> 00:29:56.480 use as the foundation, the absolute foundation of their financial environment is whole life insurance. 484 00:29:56.960 --> 00:29:58.600 And I don't know. 485 00:29:59.120 --> 00:29:59.560 I know. 486 00:30:00.000 --> 00:30:04.240 When North America, you know, the US and Canada, this is very 487 00:30:04.240 --> 00:30:07.880 prevalent. And we have companies, mutual life insurance 488 00:30:07.880 --> 00:30:11.600 companies, again, that that word of community mutual, that have 489 00:30:11.600 --> 00:30:18.440 been around for 110 150 150 175 years plus, and they've been 490 00:30:18.440 --> 00:30:22.980 profitable every single year. And, and as a owner, because 491 00:30:22.980 --> 00:30:26.900 it's a mutual company, it's owned by policy owners, like 492 00:30:26.900 --> 00:30:31.020 myself, I have six policies with these mutual companies. But 493 00:30:31.020 --> 00:30:34.500 that is really the first foundation and Boyd does such a 494 00:30:34.500 --> 00:30:38.020 great job of tying things together. Like the big picture, 495 00:30:38.020 --> 00:30:41.620 the philosophy of money and banking, and bringing in biblical 496 00:30:41.620 --> 00:30:45.140 parallels, and how we're supposed to behave with money. 497 00:30:46.340 --> 00:30:49.020 You know, when I talk about this tool, it's a more practical 498 00:30:49.020 --> 00:30:53.820 discussion on specially designed whole life insurance, which has 499 00:30:53.860 --> 00:30:56.860 been around longer than the IRS, the Internal Revenue Service, 500 00:30:56.860 --> 00:31:01.500 here in the States. And so it's a staple, it's been a staple of 501 00:31:02.900 --> 00:31:05.740 for generations of the wealthiest families in the 502 00:31:05.740 --> 00:31:09.820 country. And it's one of those things, it's it's not super 503 00:31:09.820 --> 00:31:14.660 exciting, which is why the typical the average American or 504 00:31:14.660 --> 00:31:20.180 Canadian probably use it as something that as a as a 505 00:31:20.220 --> 00:31:23.020 necessary evil to have insurance, right, I think we 506 00:31:23.020 --> 00:31:26.700 all consider insurance kind of a necessary evil, like, I'm 507 00:31:26.700 --> 00:31:29.780 putting money away for my auto insurance, because I have to by 508 00:31:29.780 --> 00:31:34.060 law. And, you know, yeah, it makes sense. It's smart, but it 509 00:31:34.060 --> 00:31:37.020 may be wasted money, because I may never even file an auto 510 00:31:37.020 --> 00:31:40.340 claim, right, if you're a good driver, and, and nobody else 511 00:31:40.340 --> 00:31:43.900 hits you. And then it's wasted money that the great tool about 512 00:31:43.900 --> 00:31:47.340 this, but I mean, we ensure everything, right, your car, 513 00:31:47.500 --> 00:31:52.180 your house, your your precious, your valuables, maybe jewelry or 514 00:31:52.180 --> 00:31:54.820 laptops, your iPhone, for goodness sakes, people ensure 515 00:31:54.820 --> 00:31:58.940 their iPhone, but they don't ensure the greatest asset that's 516 00:31:58.940 --> 00:32:04.780 responsible for producing the income that the revenue that is 517 00:32:04.780 --> 00:32:07.860 able to purchase all those other assets. And what is that asset? 518 00:32:08.020 --> 00:32:12.700 It's you, you are your greatest asset, because without you, 519 00:32:12.820 --> 00:32:15.580 there is no money to go buy those things that you need to 520 00:32:15.580 --> 00:32:21.260 ensure. So we often overlook ensuring our greatest asset. And 521 00:32:21.340 --> 00:32:26.100 everybody has something called a human life value. This is a 522 00:32:26.100 --> 00:32:29.820 term from Solomon Huebner, boy could definitely tell you a lot 523 00:32:29.820 --> 00:32:34.700 more about him than I can. But, you know, we hate to say it, but 524 00:32:34.740 --> 00:32:39.940 you know, we are all priceless children of God. However, in the 525 00:32:39.940 --> 00:32:44.940 economic world, there is a price, there is a human life 526 00:32:44.940 --> 00:32:49.220 value in associated dollar amounts to each and every one of 527 00:32:49.220 --> 00:32:53.300 us. And that's based on our production capability. How much 528 00:32:53.300 --> 00:32:56.340 of a producer are you? So how much money can you make every 529 00:32:56.340 --> 00:32:59.540 year over your working life? And that's what the insurance 530 00:32:59.540 --> 00:33:03.820 company says, okay, that's what you're worth. So my goal and 531 00:33:03.820 --> 00:33:06.460 what many members of our community do is they we ensure 532 00:33:06.460 --> 00:33:10.340 ourselves to the max extent possible. Yeah, that the 533 00:33:10.340 --> 00:33:12.980 insurance company says you're worth $5 million over the next 534 00:33:12.980 --> 00:33:16.900 30 years. That's how much we'll insure you for. But we do it in 535 00:33:16.900 --> 00:33:22.820 such a way that the policies are designed to, to really 536 00:33:22.820 --> 00:33:25.780 minimize that death benefit and maximize the amount I pay every 537 00:33:25.780 --> 00:33:29.300 year. Yeah, because you know, Boyd said a lot of words, and I 538 00:33:29.300 --> 00:33:31.700 think those have been repeated throughout this discussion over 539 00:33:31.700 --> 00:33:38.620 the last 35 minutes. Community, capital and control. Those are 540 00:33:38.620 --> 00:33:46.140 three primary pillars of this tool is you got to work inside a 541 00:33:46.140 --> 00:33:50.300 community, a mutual insurance company, you want control of it 542 00:33:50.420 --> 00:33:53.300 like a banker, right? Because he who has a goal makes the rules. 543 00:33:54.020 --> 00:33:57.100 You put your money somewhere that accelerates that cash value 544 00:33:57.100 --> 00:34:00.820 growth inside that policy. And you control whatever's done with 545 00:34:00.820 --> 00:34:03.580 that. And it's guaranteed to grow, there's nothing you can do 546 00:34:03.580 --> 00:34:06.540 about it. And the longer you have it, the better it gets, the 547 00:34:06.540 --> 00:34:12.060 more money, the more it grows every single year. And then you 548 00:34:12.060 --> 00:34:16.659 become capitalized at a certain point. Right. And I think what 549 00:34:16.739 --> 00:34:22.659 what we probably all realize is, once you have capital, opportunity 550 00:34:22.659 --> 00:34:28.060 will find you. Come on. Yeah. I mean, and right for many reasons, 551 00:34:28.100 --> 00:34:30.940 because one, if you don't have capital for opportunities, 552 00:34:31.060 --> 00:34:34.260 you're not even going to have your eyes, your heart, your mind 553 00:34:34.300 --> 00:34:37.179 open to opportunities, because you have no way to, to 554 00:34:37.179 --> 00:34:41.420 participate. But if you have capital, your eyes, your own 555 00:34:41.420 --> 00:34:44.460 your subconscious is going to be open to those opportunities, you 556 00:34:44.460 --> 00:34:46.980 will start seeing those and they will start jumping out at you 557 00:34:46.980 --> 00:34:50.420 left and right, like they have for me and Boyd and many other 558 00:34:50.420 --> 00:34:54.540 people in my circle, where opportunities are coming, you 559 00:34:54.540 --> 00:34:57.780 know, from every which direction, and now it's a choice 560 00:34:57.780 --> 00:35:00.020 of okay, which is the best 561 00:35:00.000 --> 00:35:02.480 and the right opportunity for us right now. 562 00:35:02.480 --> 00:35:05.600 Yeah, I mean, I'm just talking with you guys recently. 563 00:35:05.600 --> 00:35:08.840 I mean, how many how many opportunities do you guys review a month? 564 00:35:10.440 --> 00:35:14.240 Well, I think the team, you know, our chief consultant 565 00:35:14.240 --> 00:35:17.800 and his team review a 200 to 250 deals a month. 566 00:35:18.480 --> 00:35:23.800 Yeah, most of the process is coming to us by by people approaching us. 567 00:35:23.920 --> 00:35:26.960 Yeah, right. We don't look for anything 568 00:35:26.960 --> 00:35:29.400 because at some point you get you get to that point where 569 00:35:30.000 --> 00:35:33.120 like anybody who's heavily involved in real estate once they've made a name 570 00:35:33.120 --> 00:35:37.240 for themselves and people know them, they say, well, that person, they can close. 571 00:35:37.920 --> 00:35:39.520 And if it's a good deal, they're going to take it. 572 00:35:39.520 --> 00:35:40.520 So here you go. 573 00:35:40.520 --> 00:35:43.200 So, yeah, we get really the pick of the litter, as they say. 574 00:35:43.960 --> 00:35:46.720 I think this is a good place with what they just did 575 00:35:47.520 --> 00:35:51.920 is to go back and ask the question, where else can you get guarantees 576 00:35:52.080 --> 00:35:55.080 on a chunk of change going somewhere where it's not going to be lost? 577 00:35:55.520 --> 00:35:58.560 Where can you get certain regular, predictable rewards? 578 00:35:58.800 --> 00:36:02.520 And where can you continue to own and earn after you've rolled 579 00:36:02.520 --> 00:36:05.280 the equivalent of what you put in, out and go do something else with it? 580 00:36:05.720 --> 00:36:07.920 There is one other place you can get this. 581 00:36:07.920 --> 00:36:10.520 It's with those whole life policies that David was just describing 582 00:36:10.520 --> 00:36:12.880 with a mutual company, because guess what? 583 00:36:12.880 --> 00:36:14.800 Mutual companies, guess what business they're in? 584 00:36:15.800 --> 00:36:19.160 Banking insurance business, and it's done on a private basis. 585 00:36:19.480 --> 00:36:23.160 They're called mutual companies because they're mutually owned 586 00:36:23.840 --> 00:36:25.880 by people like us who have these policies. 587 00:36:26.360 --> 00:36:29.240 Mutual companies have customers and we are not them. 588 00:36:29.960 --> 00:36:32.120 We are pro rata owners. 589 00:36:33.000 --> 00:36:35.680 In the banking and insurance business with these policies. 590 00:36:36.320 --> 00:36:37.640 What does this mean? 591 00:36:37.640 --> 00:36:42.640 It it means that we get all of our money protected under insurance policy. 592 00:36:42.800 --> 00:36:46.040 People that have these things during Great Depressions, they don't lose a dollar. 593 00:36:46.080 --> 00:36:49.720 They continue to certainly and predictably regularly earn 594 00:36:49.880 --> 00:36:52.160 even during the Great Depression. 595 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. 596 00:36:56.800 --> 00:36:59.520 I wish the mutual companies did, but they call them global cash value. 597 00:37:00.200 --> 00:37:03.480 You can take a loan against your policy from the mutual company. 598 00:37:03.520 --> 00:37:05.400 It's not a loan from your policy. 599 00:37:05.400 --> 00:37:09.200 It's other people's money from the mutual company that you can in turn use. 600 00:37:09.600 --> 00:37:11.800 You get those same three things with these policies. 601 00:37:12.080 --> 00:37:15.400 So we as a community, we basically function 602 00:37:15.400 --> 00:37:18.800 like a mutual company in the area of real estate. 603 00:37:19.440 --> 00:37:23.040 We do what the mutual companies do with human life value. 604 00:37:23.080 --> 00:37:26.680 We do the same thing with real estate, and we have most of our members. 605 00:37:27.280 --> 00:37:31.560 They like having the policies and they like having our community programs 606 00:37:31.560 --> 00:37:34.880 because they're basically they're they're based on the same DNA. 607 00:37:37.200 --> 00:37:40.160 I let me jump in there for a minute. 608 00:37:40.800 --> 00:37:43.800 I am we got to we'll start bringing in for a bit of a landing. 609 00:37:43.800 --> 00:37:47.760 But the thing that started me on this journey was several years ago. 610 00:37:47.760 --> 00:37:49.760 I was in Colorado. 611 00:37:49.760 --> 00:37:51.280 I was in Denver. 612 00:37:51.280 --> 00:37:53.400 I listened to an amazing presentation. 613 00:37:53.640 --> 00:37:57.320 I'd never heard of the concept of whole life insurance policies before, 614 00:37:58.200 --> 00:38:02.840 but it's Mr. 615 00:38:02.840 --> 00:38:03.600 Nash, Neil Nash. 616 00:38:03.600 --> 00:38:04.920 No, never. 617 00:38:04.920 --> 00:38:06.960 Nelson, Nelson, Nelson. 618 00:38:06.960 --> 00:38:07.600 There's the book. 619 00:38:07.600 --> 00:38:10.360 I've got the same book just in my cupboard right here. 620 00:38:10.360 --> 00:38:11.400 Nelson Nash. 621 00:38:12.480 --> 00:38:14.480 Brad, you're becoming your own banker. 622 00:38:14.640 --> 00:38:16.080 Yeah, look at that. 623 00:38:16.160 --> 00:38:16.720 Look at that. 624 00:38:16.720 --> 00:38:18.880 So a little. 625 00:38:19.560 --> 00:38:24.720 Here we go now, just to warn everybody, that book is currently out of print, 626 00:38:24.720 --> 00:38:27.360 so it's going to cost you about 700 dollars on Amazon. 627 00:38:27.360 --> 00:38:28.680 I've got one fresh copy. 628 00:38:28.680 --> 00:38:31.320 I'll sell for 300 if anybody wants it. 629 00:38:31.680 --> 00:38:33.280 But I can't get it. 630 00:38:33.280 --> 00:38:34.880 Turn it into an NFT. 631 00:38:34.880 --> 00:38:36.400 Yeah, you can get it on. 632 00:38:36.400 --> 00:38:37.480 So just go there. 633 00:38:37.480 --> 00:38:40.440 Yeah. So that book, they're becoming your own banker. 634 00:38:40.440 --> 00:38:42.640 That's crazy. Look at that. 635 00:38:43.240 --> 00:38:46.920 And the key is the phrase infinite banking down the bottom, infinite banking. 636 00:38:47.520 --> 00:38:51.160 That's that's the reuse of the same value over and over again. 637 00:38:51.160 --> 00:38:53.560 That's what you do when you don't spend money, but you bank it. 638 00:38:54.280 --> 00:38:57.760 Yeah. So anyway, I discovered this. 639 00:38:57.800 --> 00:38:59.920 Yeah. Several years ago in Colorado. 640 00:39:00.560 --> 00:39:03.280 So just up the road from where you are right now, Boyd. 641 00:39:03.280 --> 00:39:08.320 And I was like, well, this is crazy, but New Zealand doesn't have it. 642 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. 643 00:39:13.160 --> 00:39:14.560 I've been like, man, how do we do this? 644 00:39:14.560 --> 00:39:17.080 It's not just that easy just to reproduce. 645 00:39:18.240 --> 00:39:20.080 But we've been definitely exploring it. 646 00:39:20.080 --> 00:39:24.000 But I love for what you guys have done is created amazing synergy. 647 00:39:24.000 --> 00:39:27.000 So especially people who are in America and Canada want to just, 648 00:39:27.400 --> 00:39:29.600 you know, where there are whole life insurance policies. 649 00:39:29.600 --> 00:39:33.360 And we're also in the mentorship after this 650 00:39:33.360 --> 00:39:38.080 going to be exploring this with Boyd of how international people can get into 651 00:39:38.080 --> 00:39:40.320 what they're doing, but 652 00:39:40.840 --> 00:39:44.440 what that what the whole life insurance policy enables you to do 653 00:39:44.440 --> 00:39:47.040 is actually you put money into it. Brilliant. 654 00:39:47.040 --> 00:39:49.800 Actually, you can divert all of your income into it if you want, 655 00:39:49.800 --> 00:39:51.880 which gives you more leverage. 656 00:39:51.880 --> 00:39:56.400 And so you can actually take an interest free loan from your own policy. 657 00:39:56.680 --> 00:39:58.720 Is that that's how it works, right? 658 00:39:58.720 --> 00:39:59.720 Well, technically. 659 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. 660 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 661 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 662 00:40:16.480 --> 00:40:20.720 pay interest on that. But guess what you're earning over here? You're earning interest 663 00:40:20.720 --> 00:40:25.280 and dividends on the entire amount because your money never left. It's still in there 664 00:40:25.280 --> 00:40:29.200 earning for you and just creating more leverage for you to borrow against. 665 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 666 00:40:36.560 --> 00:40:41.040 from your whole life insurance policy, and then putting it into your own community's banking 667 00:40:41.040 --> 00:40:45.760 dynamic, which because of the policies, people are actually able to leverage hundreds of thousands of 668 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 669 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, 670 00:40:56.480 --> 00:40:59.280 making money, making money, making money, making money. 671 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, 672 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 673 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 674 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, 675 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 676 00:41:27.360 --> 00:41:31.040 if you have one of these policies, you're a mutual owner in the mutual company, 677 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. 678 00:41:36.720 --> 00:41:41.520 And essentially, it's a private way of self-insuring the members. The key with our 679 00:41:41.520 --> 00:41:46.080 partnership is when we acquire one of those plazas, or one of those office buildings, 680 00:41:46.080 --> 00:41:51.120 or whatever we're acquiring those assets, none of us directly own those assets. 681 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 682 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, 683 00:42:03.760 --> 00:42:08.480 self-insure every member to create the guarantees that nobody's capital will be lost. 684 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 685 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 686 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 687 00:42:26.400 --> 00:42:30.560 form of casualty insurance over the entire operation called a fidelity bond. 688 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 689 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 690 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. 691 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 692 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 693 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. 694 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, 695 00:43:14.080 --> 00:43:20.480 so it is on the earth. This is through that real process of communal covenant confirming 696 00:43:21.040 --> 00:43:28.960 relationship that really establishes a new system for people that's risk-averse 697 00:43:28.960 --> 00:43:31.920 in the dynamic that we're talking about, which is so powerful. 698 00:43:33.200 --> 00:43:41.040 Guess what happens when treasure is stored in heaven? It's where moth and rust do not destroy 699 00:43:41.040 --> 00:43:47.120 the wealth. The wealth that is connected to a heavenly storehouse is permanent wealth. 700 00:43:48.640 --> 00:43:54.640 That's the key. Everything else is moth, rust gets a hold of it. And all you can do there 701 00:43:55.440 --> 00:44:01.520 is eat, drink, and be merry for tomorrow you die. That's the economy that gives rise to all forms 702 00:44:01.520 --> 00:44:09.440 of status control over capital, crony capitalism, and also centralized forms of capitalism in the 703 00:44:09.440 --> 00:44:16.080 form of Marxism. They're both status controls. Those are both perversions of capital. The key is 704 00:44:16.080 --> 00:44:23.840 when we place capital in a format that is in our kingdom format, we're in the business of using 705 00:44:23.840 --> 00:44:29.680 that capital to do what? To capitalize others in the community so that they can become permanent 706 00:44:29.680 --> 00:44:34.640 owners. This is the whole thing about leaving Egypt, going into the desert, and then into the 707 00:44:34.640 --> 00:44:40.960 promised land. When you go into the promised land, you've transitioned from working for somebody 708 00:44:40.960 --> 00:44:49.840 else as a slave to becoming a permanent owner. It is not just ownership. It is placing wealth in a 709 00:44:49.840 --> 00:44:56.320 format where you can offset the economic effects of death. What I love about these whole life 710 00:44:56.320 --> 00:45:00.000 policies, there is a column of numbers with every 711 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 712 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 713 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. 714 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, 715 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 716 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 717 00:45:37.760 --> 00:45:44.720 permanent wealth, and once wealth is permanentized, you can create fruitfulness by multiplication. 718 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, 719 00:45:52.480 --> 00:45:59.040 fill the earth, subdue it. Our fruitfulness must be in the form of multiplication. Otherwise, 720 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, 721 00:46:06.960 --> 00:46:12.560 then you're in a position to start fulfilling Deuteronomy 28. 722 00:46:15.280 --> 00:46:20.160 Fantastic. Hey, well, we'll be really excited. I know that for a lot of people, 723 00:46:20.160 --> 00:46:24.160 these concepts might be like, wow, that's really interesting, kind of intriguing, 724 00:46:24.160 --> 00:46:30.560 like capturing them, but not like fully landing. And definitely for me, it took a good 725 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 726 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 727 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 728 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 729 00:46:52.160 --> 00:46:56.640 and go a little bit deeper and understand some of these concepts more thoroughly, 730 00:46:56.640 --> 00:47:02.560 because they're very exciting, very, very powerful. And we are working on creating 731 00:47:03.280 --> 00:47:08.640 some portals or some pathways together for how international people can participate 732 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. 733 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 734 00:47:24.640 --> 00:47:27.760 with you guys, what's the best step forward? 735 00:47:29.920 --> 00:47:38.160 I suppose they could email either one of us. My email is dave at centerpoint.partners. 736 00:47:39.040 --> 00:47:40.560 And Boyd, what's yours? 737 00:47:41.440 --> 00:47:49.840 Yeah, it's bmorris at centerpoint.partners. And yeah, we can be sure everybody is able 738 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 739 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, 740 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 741 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, 742 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 743 00:48:16.400 --> 00:48:21.040 two points. And it takes all of this kind of conversation and makes it very concrete, 744 00:48:21.040 --> 00:48:23.600 graspable. And there you go. 745 00:48:24.960 --> 00:48:34.400 So amazing. Well, gentlemen, what a gift to the planet. And 746 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 747 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 748 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 749 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 750 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. 751 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 752 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. 753 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 754 00:49:24.800 --> 00:49:31.680 motivation is how do we actually bring the infrastructure of heaven and establish it 755 00:49:31.680 --> 00:49:38.560 systemically into the Earth? But it has to start somewhere. It has to start in community. 756 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 757 00:49:47.360 --> 00:49:53.120 massive leverage in community. And you guys have created the systems and the opportunity for people 758 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 759 00:49:59.120 --> 00:50:00.080 you guys are doing. 760 00:50:00.000 --> 00:50:04.000 Yeah, thanks for giving us the opportunity to share. 761 00:50:04.000 --> 00:50:07.000 Seb, any final thoughts from you, my man? 762 00:50:07.000 --> 00:50:09.000 No, I love it so much. 763 00:50:09.000 --> 00:50:16.000 I'm excited for this, some momentum to just keep building in this space. 764 00:50:16.000 --> 00:50:19.000 And, you know, for us as a movement with raising royalty, 765 00:50:19.000 --> 00:50:26.000 but also this cross-pollination of partnership with helping people really understand that 766 00:50:26.000 --> 00:50:31.000 if you can think about your finances the way heaven thinks about your finances, 767 00:50:31.000 --> 00:50:35.000 then everything is limitless before you. 768 00:50:35.000 --> 00:50:37.000 And so this is a cool place to be. 769 00:50:37.000 --> 00:50:39.000 So I'm excited to be on the journey with you guys. 770 00:50:39.000 --> 00:50:40.000 Fantastic. 771 00:50:40.000 --> 00:50:47.000 Hey, next up we have Marina with a phenomenal story. 772 00:50:47.000 --> 00:50:49.000 So, so powerful. 773 00:50:49.000 --> 00:50:53.000 Grew up in Tajikistan during a complete economic collapse 774 00:50:53.000 --> 00:50:56.000 and the whole nation went into crazy poverty. 775 00:50:56.000 --> 00:51:01.000 And, I mean, that had huge ramifications on her, on her family, 776 00:51:01.000 --> 00:51:07.000 and how actually just completely destroyed everything really when that collapse came. 777 00:51:07.000 --> 00:51:10.000 But her journey of rising from the ashes out of that place, 778 00:51:10.000 --> 00:51:11.000 we're so excited about that. 779 00:51:11.000 --> 00:51:14.000 But Dave, would you close for us in prayer as we wrap up? 780 00:51:14.000 --> 00:51:15.000 Yeah, absolutely. 781 00:51:15.000 --> 00:51:17.000 Father God, we just thank you for this time. 782 00:51:17.000 --> 00:51:20.000 Lord, I just thank you for Benji and Sebastian, 783 00:51:20.000 --> 00:51:24.000 Boyd and all the other presenters here and all the attendees. 784 00:51:24.000 --> 00:51:30.000 Lord, we're just looking for a way to build your kingdom through the principles 785 00:51:30.000 --> 00:51:32.000 that you've already laid out to us. 786 00:51:32.000 --> 00:51:36.000 Help us keep our eyes open, our hearts and our minds open to, 787 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, 788 00:51:41.000 --> 00:51:43.000 how to bring heaven to earth. 789 00:51:43.000 --> 00:51:47.000 And Lord just bless the rest of this, this event. 790 00:51:47.000 --> 00:51:50.000 And I just thank you for everybody here who's a part of it. 791 00:51:50.000 --> 00:51:51.000 In Jesus' name we pray. 792 00:51:51.000 --> 00:51:52.000 Amen. 793 00:51:52.000 --> 00:51:53.000 Amen. 794 00:51:53.000 --> 00:51:54.000 Fantastic. 795 00:51:54.000 --> 00:51:56.000 Thank you so much, gentlemen. 796 00:51:56.000 --> 00:52:00.000 Have a wonderful rest of your day, and we look forward to journeying further. 797 00:52:00.000 --> 00:52:02.000 And for those that are keen to go deeper, 798 00:52:02.000 --> 00:52:06.000 I see Rachel's dropping email addresses in the comments at the moment, 799 00:52:06.000 --> 00:52:07.000 which is cool. 800 00:52:07.000 --> 00:52:11.000 We'll send you guys email addresses as well so you can connect with these guys. 801 00:52:11.000 --> 00:52:13.000 But thank you so much. 802 00:52:13.000 --> 00:52:16.000 And we look forward to more in the mentorship and more in the days to come. 803 00:52:16.000 --> 00:52:18.000 So bless you. 804 00:52:18.000 --> 00:52:19.000 Bye guys. 805 00:52:19.000 --> 00:52:20.000 Bye guys.