Latest / Money Grows on Trees / #244 - How He Paid Off $30K Dollars of Debt And Turned His Life Around

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#244 - How He Paid Off $30K Dollars of Debt And Turned His Life Around · Money Grows on Trees

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Look, two coffees a day. Let's say $10 for argument's sake.
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That's $3,600 odd dollars. It's huge. Now you're wasting
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that when you could be getting that, putting it into an asset that's
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making money for you. How much in debt? About $30,000 odd. And
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how does it feel not to have any debt anymore just about? I think that's the biggest thing is excited.
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Money is not bad. It's not evil. It's a mechanism that
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you can use to lead or do what you want to
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What core important lessons did you learn and
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implement to turn things around? I'm Lloyd James Ross,
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seven-figure investor and entrepreneur, and I've helped thousands of business owners
0:37
and professionals turn financial stress into success. If
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you're stuck in old money habits, overwhelmed by investing, or unsure where
0:44
to start, this is for you. I'll give you the mindset and
0:48
strategies to take control, grow your wealth, and achieve financial
0:51
freedom. It's time to make your money work for you. Welcome
0:55
to this special, special episode of the Money Grows on Trees podcast. I've
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got another amazing guest in here. And if you haven't seen
1:03
the last couple of episodes, we've been doing some interviews, not just some interviews,
1:06
but very important interviews of some of our students who have
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come through our mentorship program and have read our
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books, Money Buys Happiness, Become Time Rich, Money Grows on Trees. And
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I wanted to showcase some of their incredible real everyday,
1:20
real life stories of money transformation. And
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this Guest is one of our elite students
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as well. He's come through our core mentorship programs. He's participated in
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our events. He's really immersed himself in
1:34
our entire money education experience. And
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I've been excited and dying to get him on the show. We
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did an event together last night, which is great, great. He's just such a
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great guy. All around likable, lovely guy. He's been a big part of
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the community. He's very encouraging. He helps out. And
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he's come from, not that, In fact, you're going
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to learn from the episode. We're going to dive deep into it with him. From not that, in
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fact the opposite, to where he is now in such a short time
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frame. I'm very excited to welcome my friend Cole to the
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This is good. It's wow, I love it. Look how far you've come. Oh, it's been
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huge. Absolutely huge for me. Yeah, I'm excited to
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Two and a half years. Has it been two and a half years? Yeah, it certainly has. Where's
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It's actually a bit surreal for me to think too that we're sitting here in the studio together two
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and a half years later because I remember our very first discovery call together in
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one of our core programs, the Five Steps to Millions, which is our money
2:37
program off the back of the Money Buys Happiness book. And
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I got to tell you, I didn't think we'd get to this. Not
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at all. I never thought, oh, I'm going to have Cole on the show, we're going to be
2:50
in the studio, and you're going to have all these amazing successes you've had. But
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before we do that, I do want the audience to
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hear your story and the incredible breakthroughs
3:01
you've had. And I want to
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start it before. So can you take us
3:07
back before we met? What was going
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Life was tough. And I wouldn't say
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tough in the regards of, you know, being out on the street and homeless and
3:20
things like that. It's a self-perceived toughness
3:24
on yourself. But money wasn't actually great. You
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know, life changed, you know, 10, 13 years ago. As
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a result of that... What changed in your life? What was the life change? Unfortunately
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I went through a divorce and it was a bit of a shock
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to the system. It didn't leave me in a good place. Not
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only that, I gave up the house because I
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could keep my super and it was sort of a, I
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suppose, a win-win because if we sold the house By
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the time I worked that out, the amount of super I had, I
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probably would have had to take a loan out for $110,000 to
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pay up to make it even. So it was, for
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me, in all honesty, it was about my boys. And
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that was, I gave up the house, which was the asset. Yes,
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we still had money involved with that. But the big
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thing was, one, I had to look after my boys.
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That was my first priority. Secondly, it was then, I'll
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work the rest out later to see what happens, you know. So yeah,
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life wasn't great. And as a result, once
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I moved out, half of my money went in rent that I was earning each month.
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Half of what was left over went in child support for
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one child, which stung. I
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have no problems in doing it but it stung something bad. And
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unfortunately part of that was I then went…I had
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to do something. So I went to the gym and started buying some camera equipment.
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And I was doing this and I was doing that. And of course I
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didn't have the money to do it but I had to keep my mental
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side of things busy. And
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of course I didn't really pay attention and my money went up
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a little bit. Then I had to move rentals
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because that was being sold. Then on top of
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that it was again another rental I
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had to move. And of course I didn't have the money for the
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bond. So what do you do? Oh, I just go
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to the bank and borrow more money, you know. And it
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was a never-ending spiral for me. And
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I was a bit of an angry aunt at times because
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of it all. And then from there, after that, what
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I ended up doing was going, you know what? I've got to get out of Sydney. I've
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got to get out of this place and away from this. Went down
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to Melbourne. And of course, to travel and
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move, I needed more money. So I
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redid my loan again. I think I probably got up, oh, probably
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28, 30, 30-something. I lost count in the end in debt. And
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that was- How much in debt? About 30-odd thousand in
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debt that I'd come from nothing to
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30-odd thousand. We'll go where there are figures. I don't
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know the exact. Went down to Melbourne and yeah,
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that was 20, March? No, April of 28, eh? Yeah. Where
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that was. And then it was just settle in, try and
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find something and just pay it off. And I
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was in that cycle, you know, I was never going to get out of it. I'm aging, you
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know, not getting any younger, but it's, I feel young,
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And in IT? Correct. And you've
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been divorced so you lost some of the assets or you split the assets I should say. And
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you'd accumulated debt. So rather than make more money, you wanted to
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travel, you just put on the credit card. Was it credit card debt? Yes, it was.
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No, actually, part of it was credit card. Probably
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about $25,000 was about in a loan. Which
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was variable too, by the way. Sorry, because that's a higher interest rate.
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To have $30,000 worth of debt, even if it's personal loan and credit card
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I'm going to say something here. As
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I was getting older I just kept getting to the point that
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I was scared. And when I say scared, because
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I was getting closer to retirement. And that
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was, in those days, that's all I
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was looking at was just retirement. Am I
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going to have enough money? When am I going to get out
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of this? Why can't I be like other
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people? And I was absolutely shit
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scared of getting to the point of retiring, not
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being able to afford enough money for food. And you
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hear some of these stories about pensioners eating dog food. And
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that scared the crap out of me. And it was
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a pressure that I had on myself with everything
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else that went on, and it's trying to find a new lifestyle.
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And it's just the whole lot in just going, seriously,
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is this what life is about? So you felt like you
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were a bit on a hamster wheel? Yeah, very much so. And
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a lot of that was derived, you know, with my upbringing,
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with my parents, because they worked hard and they never had much money and I
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was in the same cycle and I'm going, how the hell can't I break
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And what was the moment that, was there
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an event or something that where you were wanting or
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I think when we went through COVID, I managed to actually, because
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obviously couldn't go out and spend, not that that clicked
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in my brain at that particular point, because if
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you don't spend, you might, hang on, you know, and
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that's part and parcel of looking at your bucket, which obviously we'll
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talk about shortly. But in relation
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to that is I was saving money.
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I managed to get my loan paid down and
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in advance to the point of being, I think, about two or
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three grand. But what was the next step? What
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did I need to do next so that I
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There you go. The dog food is
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motivating you at this point. You're not eating it, I should say. Not a
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big lover of power. I know, I wouldn't suggest that to anyone. That's
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So Cole's back there before we met. And then what happened? So you're having these
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thoughts about, well, what do I do now? Right? How do
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I move past this? How do I pay off the rest of my debt? How do I what? Like
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So in, cause I knew I was getting close to
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paying off my debt. I thought, brilliant. Part of
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that also was the fact that at age 55, I
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could end up with a medical, not
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medical, sorry, a military pension with
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superannuation, which has some different rules compared
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to civilian straight. Now what I didn't realize at the time that had
10:34
some implications, but, You know what, that negative has
10:38
turned into a massive positive. So I was getting extra
10:41
money from that, which was helping pay down. But
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I got to a point was, what do I need to do to
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make extra money? How do I go that next
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step? So I started looking for books and
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advice, YouTube, you name it. So I
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started with Barefoot Investor, started reading that, trying
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to glean information. I then went and
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found a book called The Thousand Dollar Project, where
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you make a thousand, invest it, do this, do that. And
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then I came across this little ad that kept popping
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up every now and then on Facebook. And you know where we're
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going with this, money buys happiness. And
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so I thought, oh, what have I got to lose? It's only $9. A couple
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of coffees, as you rightly put it at times. A couple of coffees, yeah.
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Yeah. So I went and bought it and read through
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it. That helped. And I thought, well, I could work the rest out for myself. And
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then I kept getting these follow-up phone calls, not
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phone calls actually, sorry, emails about the
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coaching calls. So I thought, yeah, that's,
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and I think in probably some of the other podcasts which I've seen
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is scams. And I was very much in
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that same ilk. I thought, nah, I don't
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want to be spending any more money at the moment. And so I
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ignored them and I think they popped up Oh, probably
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a couple of months later, the reminders started to
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come back through again. And I thought, oh my God, here we go again. Well,
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what have I got to lose? Seriously, what? So
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Well, we did have a talk in the car on the way here and it wasn't so
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smooth. Well, no, I was trying to stay away. No, no, let's go. Let's
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go. We're going to help. Cause I mean, this is really like, cause you know, you, you
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were, you surrendered. You were in, you're in debt. You
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wanted to make extra money. You wanted to get out of debt. And I know you wanted to
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learn some other things and you were scared about eating the dog food. Oh, very much
12:41
so. To power dog food. If you didn't get your retirement, you didn't want to live on the street and eat dog food. Just quickly,
12:45
if you're ready to take control of your finances but feel stuck on where to
12:48
start, I have a solution. My book, Money Bias Happiness, simplifies
12:52
investing and wealth building with practical steps to help you achieve financial
12:56
peace. Get your copy via the link in the show notes and let's get your
12:59
money working for you. Now back to the episode. When
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you grabbed, cause with the book, you
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get two complimentary coaching sessions with our team, right? So
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you took them on board. Now what then at
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that, what was going on in your head when you were doing that and
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I think it was doing the audit, which is a big thing.
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And that's something obviously we'll talk about shortly
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as well. Let's talk about it now. So you did this audit with the coach? So I
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did the audit and you could see a few holes
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as probably, you know, sink the old ship and all the rest of it.
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But I didn't fully 100% realize what
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to do next in relation to that. And so
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it was a bit of an eye-opener. But then it was a case of,
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well, what else do I do? And I think
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that's where that initial audit sort
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Yeah. So the first call helped you identify the holes and
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That second call was an interesting one. Because
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the mentorship, it does take a bit of money. Sometimes you
14:29
have to invest money to make money. Sometimes or always. I'm
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speaking from the context of what I was like at that time. And
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certainly since then I've learnt that that's not necessarily the
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case. But it was one of those things that…when I…I
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thought, oh. What have I got to lose? Seriously? I've been
14:53
through a lot in my life at the moment. And it's time for me
14:57
to actually start doing something. You know. And
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taking action. And… Yeah, so…but
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taking that action and making that payment wasn't one of the easiest things.
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Because here I am now all of a sudden, I'd got
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myself into a reasonable position… …where I didn't owe
15:15
much and I was getting close to no debt. And it
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was…guess what I'm doing? I'm suddenly put…but…and that
15:24
call was… How
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do I put it? I was sweating. It
15:32
was full of anxiety. I even
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used the old cliche, as we spoke about earlier, that...
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And it was true in this case. The credit card was actually
15:43
sitting out in the car. Because I'd paid forward
15:47
on my loan, the majority of it came from that. And
15:51
that was a cheaper interest rate, which I didn't realise what
15:54
I was doing at the time until later when we talked about good debt
15:58
and bad debt. And the remaining amount was
16:01
on the credit card. And when I finally did
16:05
it and then got off the call and went, well,
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Yeah, to do something and actually take that, because
16:26
it's all good, well and good saying, hey, I'm going to take action. Yep.
16:33
So you wrestle with the decision and it's not an easy one sometimes, is it? No. And
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the tougher the decision, usually the bigger the breakthrough. So you had to have an
16:41
actual breakthrough then. to then even make the decision to
16:44
back yourself and go. And I still remember the
16:48
first call we did together. Cause it's usually, you know, it's almost like you're breaking
16:52
We're going to, you're going to die on the fucking call. Like it's great. Everything's
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going to be fine. We're going to be good. Everything's going to be fine. I'm going to look after
16:59
you. You're going to be in good hands. And two years, now, a few years later, we're in the studio and you're here and
17:02
we, you know, on the car right here, we reminisced about that call.
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But then what, What steps
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did you take and what core important lessons
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from that day onwards did you learn and implement
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So that very first call, I was still full
17:22
of skepticism at the time, but you've got to learn to open
17:25
up for guidance. And
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that's what a lot of it is, is about guidance to say, hey, look, these
17:33
are the things to consider. And they're
17:36
tried and true. Because that's that old adage, you don't
17:40
know what you don't know. And you think
17:43
you know it all, but you don't. And you've got to follow someone
17:46
who has, and they've been through it. So as a
17:50
result of that, you start implementing some of those steps and
17:53
away you go. So for me it was taking
17:57
one little piece at a time. I think the biggest thing
18:00
was my money rules. And I'd printed them
18:04
out and all the rest of it. And one of them was to actually send
18:08
it as a photo. And you came back to me and you go, you
18:11
forgot to put in 10% first. And I went, all right. So
18:15
I've written in the front. pay myself 10% first.
18:19
Lloyd actually told me to put this one here. And it's still on my
18:25
So you set the rules and one of them was to pay yourself first 10%. What
18:30
It's because the old adage that we've grown
18:33
up over time and from our parents and our past parents, et
18:36
cetera, and those stories that they show us
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without us realising it, is that you work hard,
18:43
you pay your debts off and whatever you get left over, boom. Here's
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something that turns a whole lot, flips it and says, pay
18:52
yourself 10% first and then pay your debts off.
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And it's like, no, no, no, hey, you've got a responsibility. And
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it's like, it flips the mind, something bad. And
19:04
with that 10%, you can then build
19:07
your emergency fund. You can then, which is
19:11
a change in, not mindset, but
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in the way you think about, instead of the savings, work hard
19:18
and put savings aside. No, it's an emergency fund.
19:22
Whatever's left over, you can then start investing. And it's like, holy
19:26
hell, this is huge. It's so different. And
19:30
then you start realizing that thing, you don't know what you
19:34
Yes. So you discovered some things you didn't know. Your
19:38
greatest rule was pay myself 10% first. And tell
19:41
us how that had an impact on the debt that you had and you've had in the past and
19:45
how you pay that off. Because you've paid off debt as well
19:50
Yeah, certainly. And I think just before
19:53
I joined, I'd also gone into a novated lease for a vehicle, which
19:57
was about, I think about $81,000 all up, because
20:02
my other vehicle was getting close to dying. But
20:05
some of the things was, hey, your car depreciating,
20:10
the fact that you could buy a runaround and still have better
20:13
money flow. You learn these things in hindsight, but
20:17
you know, it is what it is. But out of all
20:20
that, what I've been, I suppose I'll probably be better off
20:23
reflecting on what I've been able to do in figures, if that's okay. So
20:29
since I've started, yes, I was close to two grand in debt. I've
20:32
still got a little bit debt at the moment with the vehicle, but by this time next
20:35
year, that's entirely paid off. And over
20:38
that time, I've now got about 17,000 sitting in
20:42
an emergency fund. I've spent about $20,000 in
20:46
self-development. I'm getting
20:51
close to five figures for an investment portfolio. What
20:56
else have I been able to do? Still expand my camera
21:00
equipment portfolio as well. and do
21:03
my business, like, and that's in
21:06
two and a half years, just from managing my
21:10
money. And that's been the biggest part of it.
21:14
Yes, and a lot of that is derived from the 10%. Yes,
21:18
there's other parts in that whole procedure, but
21:22
where it's really, really worked for me is that 10%. And
21:26
how does it feel not to have any debt anymore, just about? I'm getting
21:31
frustrated because I'm getting so close. I just want it to happen. And
21:35
I'm excited about it. I think that's the biggest
21:38
thing is excited. Yeah. A lot happier, a
21:42
lot more at peace with that money and
21:49
And I noticed too that, over the course of
21:52
your time doing this, you've become super aware of where
21:56
your money's going. So now I'll have a conversation with you and you say, look, I
21:59
want to go do this and that, but I've decided to go here because this is how I want to manage my money. And
22:04
you're not emotionally doing it. You're doing it
22:13
You are now so aware. Like, you even last night at the event, you picked up
22:17
your phone and you started showing me. You put your whole bank account, like, this is
22:20
there, that's there, that's there, that's there. So I was like, Awesome,
22:24
let's get a drink. I mean, but it's a result of
22:27
the things you put in place. So you were showing me the fruit
22:32
from the tree. Yes, of your labors from the beginning. So
22:36
that decision you made, although it was hard, right? And you
22:39
go to the car and get the wallet and invest the money. And you
22:42
really, it was an investment in you. And we spoke about this in the car on the way here
22:46
too. It was like backing yourself because if it didn't
22:49
work out, it's about how much you beat yourself up about making another bad decision.
22:53
And some people are just like, I don't want to make another bad decision, because I already don't like myself for
22:56
all these ones I made. Yeah, because you don't want to be a failure. You don't
22:59
want to be another one. You're like, oh, I don't want to fail you again. So that's probably
23:03
what was, I dare say, hard for you to make that. Because what
23:08
Well, yeah, especially given from all my training from a military background
23:12
as well, you know, you keep repeating, keep
23:15
repeating because obviously having
23:19
some sort of failure out in the field, well, you
23:22
know what the end result could possibly be. Yeah, you can die. Yeah, exactly.
23:26
So it's one of those things that you get ingrained as
23:30
a result of that, plus with everything else. And I think we
23:33
also talked about the fact that school, where we
23:36
have tests, and if you fail, well,
23:40
you're a failure. And you said in some circumstances that's,
23:44
you know, like construction, et cetera, that's probably
23:47
a good thing. But in general, it's
23:53
those stories that are imprinted onto us that we don't realise. So
23:56
when it comes to money, we do the same thing, because
24:00
we just don't want to be a failure with it. So we keep doing, oh, this
24:03
works. We know it works. But investments and
24:07
stocks, that's dangerous. We've been taught through
24:11
indirectly that those stories, that
24:14
that's what the, and it's not the case at all. It's
24:20
Yeah. So how do you think, so what was the old story you told yourself when it
24:25
I'd never have any. I would be consistently, you
24:29
know, in debt and I'd die a poor
24:33
man. How'd that make you feel when it came to your boys? Again,
24:42
I suppose that comes back to... Sorry,
24:48
they're very special to me. And you don't want
24:51
to let them down. And it inflicts
24:56
something about being a man, you know, being proud,
25:01
being stoic, making sure that
25:04
you're given the tools of life. And have
25:08
you really done that? And yeah,
25:14
But now since learning the game of money and
25:18
the rules, what's the new story you
25:23
Money is good. It's how you use
25:27
it and how, as I said, how you have that relationship with
25:31
it. Respect it, respect yourself, and
25:35
don't think that because of the stories that
25:38
you've been told directly or indirectly that money is bad. It's
25:42
not. It's about what you can do with it and
25:45
leave a legacy as part of that. It's about... Let
25:51
Ready? So many things. Let me help you. The money story I now tell
25:57
All right, my money story that I tell myself now
26:01
is that money is not bad. It's not evil. It's
26:07
a mechanism that
26:10
you can use to lead or do what you
26:13
want to do in life. It's also about what
26:17
else you can leave behind as a legacy and
26:25
And how does it make you feel now as a dad with your boys,
26:30
Oh, so much better. That I
26:33
have been able to show them the way and
26:37
give them something that they can use later on in life and hopefully be
26:41
able to teach their kids to break that cycle that
26:48
And I just wish we could do more of it. Out of all the
26:51
things you've learned in the last two and a half years, and you've also grown in other areas we
26:54
haven't even tapped on here in this episode, in
26:58
your self-confidence and so forth. You've opened our rooms at
27:01
our events, you've taken some sessions
27:05
with Sabri Subbiah in your photography. which Morgz helped
27:09
you with. You've been able to, you've dressed up and done Facebook wise as
27:12
the joker. You've done all sorts of weird things. You've started
27:15
your photography business, made money. You're leading people. You're part of
27:19
our assistants in our mentorship program. You're leading and coaching and teaching
27:22
others. So you've done so many things, but in the
27:25
course of the last two and a half years, what would be one piece
27:29
of advice you could give the audience? If they're somewhere where you were, with
27:33
being on a dead hamster wheel, or not knowing the next steps, or
27:36
worried about their retirement and eating dog food like what you were, what
27:42
do your audit. That to me has
27:46
been the biggest game changer for me,
27:50
was doing that audit. Not necessarily in the initial one,
27:54
but when we got into the program, was actually talking
27:58
about doing your audit month to month. on
28:02
the same day, every day, which I've done for two and
28:05
a half years. And you can actually see where your money's going,
28:08
what's happening, you pull it down, you go, oh, I
28:12
spent 10 coffees, hang on, 10 coffees, why? Hang
28:16
on. Because, I mean, 10 coffee, look, two
28:19
coffees a day, that's $9. Let's say $10 for argument's
28:23
sake. You do that for, oh, I don't know, Not
28:28
every day of the year. Well, even if we did, 365, that's $3,600 odd
28:32
dollars. It's huge. Yeah. Now, you're
28:36
wasting that when you could be getting that, putting
28:39
it into an asset that's making money for
28:45
It's working for you. It's the proper relationship that
28:48
you've got to have with your money. And it's viewing
28:52
that lifestyle and that way of things and
28:56
having a different perspective on money and
28:59
how it can work for you has been a game changer
29:02
for me. So now, yes, I've spent a few coffees here because,
29:06
I mean, travelling, it's a little bit harder than being able to do it at home. But
29:10
you do that occasionally, it's a bit of a treat. Good, now when
29:14
we get back, we're back into the cycle again. And you
29:17
keep pulling that down, back off from here, or I spend a bit
29:20
too much this month, I've got to pull the tight in the belt, get
29:28
So you know exactly what's happening at all times with your money. You can make intelligent financial
29:34
Yes, you've got a path but also it sounds to me like you also know when
29:37
you're off the path. Yes. And you've got a mechanism to self-pull back in.
29:45
So you're totally in control of your finances without.
29:49
Now you've got the rules to follow. You've got your rules up on your fridge. Where are they?
29:53
No, it's on the back door. Is it? Sorry, on the front door
29:57
as I go out each day. Wow. And I've got, I think the
30:00
last one is, remember the keys to success. And
30:03
it actually points to, this is the funny part, points to
30:07
the door lock where my keys sit, so that I make sure that
30:10
I take them and don't lock myself out. That's good. But you see each
30:13
and every day, as soon as you walk out, because it's just keeping that
30:17
reinforcing it and changing my story and
30:23
Yeah, so every day, you're conditioning your mind to
30:29
Yeah, in a whole different way to compare to the past. Yeah.
30:35
Oh, it's huge. Just, it's so, there's simple
30:40
steps, there's simple pieces that
30:43
can have such a massive change in your
30:46
happiness, how you relate with people. And
30:50
I mean, having the opportunity, like even joining the Elite, you
30:54
know, cause I never thought I'd get to that point either.
30:58
And I think- Oh, nor did I. Because
31:06
there's a couple of little stories if we've got time for that. And the first
31:10
one was I was talking with Simon and I said, look, if I get invited I
31:13
don't think I'm going to go. But that's not going to happen. And
31:17
then it happened and it was like, oh shit. I
31:21
said, but why did you invite me? Like, I've got nothing.
31:24
I haven't got a business. I haven't got this and I haven't got that. And
31:27
you said, it's not about results, it's about attitude. And that has
31:31
stuck with me so much. It's about attitude. So
31:34
you've got to have the right attitude, stick with your money rules, stick
31:37
with your audit, go through and change what
31:46
Yeah, it is bad attitude. You got the attitude, you're
31:49
an action taker, now you're a moneymaker. But it's the attitude and
31:53
it is, you're an elite attitude, you know, cultivator or
31:56
holder. And all your results are from the actions you've taken. So, man,
32:00
this is so good. Like, I'm so excited for you. You're a
32:03
great dad. Because you looked after yourself first, put your
32:08
And you can give the wisdom to others. And you're already doing that. You know, I
32:11
know you're sharing it in life with other people outside your family. And
32:15
it's so good to see I'm so glad we're here from where we started on that
32:18
first call. I'm so bloody happy I'm so
32:21
bloody happy that you showed up for you all
32:24
the time all the way to this point. I'm so thrilled I'm like,
32:28
thank God that Cole showed up because I
32:32
felt for you on that cause like I really want this guy win
32:36
you know and you've just gone bang bang bang bang
32:39
and you showed up and you've done everything so I'm super impressed I'm just so proud of you
32:42
I'm I'm excited for you I'm happy I'm really happy for you so
32:46
well done thanks for coming on the show and sharing your wisdom and
32:51
and where can people find you so obviously
32:58
Or Colin Amos, actually. I'd love to have a beer with Colin.
33:03
Good song. The other one is... I
33:07
think that's the second part of that song, actually, the second verse. Anyway,
33:15
Yep. So go. Is that on Instagram? That's Instagram. Kangaroo Jack photos.
33:18
If you want some cool photos done cause in that space, uh, talk to him,
33:22
reach out to him, but also follow his journey, you know, cause you're blogging
33:25
all the time. You're doing Facebook lives. Um, and,
33:28
uh, yeah, you'll inspire people too. So go follow Cole. Thanks
33:38
Yeah, thanks for coming in. And we'll do this again. And I
33:42
hope you've got value from the episode with Cole. And you
33:45
know, he's he's hit something new that will help you change as well. Because
33:49
that's what we want to change that people when it comes to their money. Definitely. So
33:52
well done. And if you've enjoyed the episode, share this with a friend, because
33:56
there might be someone out there like, you know, like Cole in his position and
33:59
needs to hear the story to be inspired to take that very first
34:03
step. hit the subscribe button, share it with a friend, and I'll
34:06
see you on the next episode of the Money Grows on Trees podcast. Thanks
34:11
for listening to Money Grows on Trees. If you enjoyed the episode, leave a
34:15
five-star review on Apple Podcasts and Spotify and subscribe
34:18
to us on YouTube so you never miss an episode. And if you're serious about
34:22
building wealth, make sure to check out the links in the show notes and follow me
34:25
on all social media platforms at LloydJamesRoss for