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Escaping the American Nightmare of Debt · The On The Rise Podcast

• speaker-0: All right, welcome back on the rise podcast listeners. Thank you again for jumping into yet another episode of the On the Rise podcast. I am your host, Jeremy Dyer. I've got another amazing guest with me here today. I have Coach JV. Coach, welcome to the show. speaker-1: Awesome. Such an honor to be here. Thank you for having me, man. speaker-0: Absolutely. I'm looking forward to the conversation. So Coach J JV is the CEO of 3T Academy or Warrior Academy, I should say. his mission is really to transform people's lives through financial education, personal growth, cryptocurrency, education, wealth planning, projection strategies, and and really making empowered decisions in their lives. So Coach J V, I can't really think of anything better to talk about here than the things that you can provide value to our listeners, especially in each of these different, categories. But before we jump into the details, we'd love for you to let us know a little bit more about, yourself, your background, your journey, what you're focused on today, et cetera. speaker-1: Yeah, absolutely. So I left the the banking system, a high paid vice president banking job in 2017 to go on the entrepreneurial journey. And I got I got humbled quite a bit. So throughout that process, you know, I did all the different things you needed to do. and I failed in business five different times. So I finally figured out in 2019, went through a mentorship program and finally, you know, got some wisdom and the American dream, you know, what I thought was the American dream. I built this nice seven-figure company. I had a little bit invested in cryptocurrency, which I thought was going to be my savior, right? And then all of a sudden the pandemic came and shut my doors. And I was like, wow. Okay. I call it the vertical strategy. Go to school, get a job, have a four one K. I was inside of a business. It wasn't scaled and I had cryptocurrency. And every influencer was telling me I was going to be a multimillionaire. Right. And so they took away my bottom vertical. And so in my family there's no wealth. And so I didn't have any mentors or anybody looked to. So I went to the greatest place I could figure out when my income stopped. I went and sat in the library outside of raising my kids or being with my children. I was in the library and I studied things like The Richest Man in Babylon, The Wisdom of King Solomon in the Bible, Cash Flow Quadrant. That was one of my favorite books. And I started to understand how am I gonna get on the right bottom side of the quadrant. And so I made it my commitment and mission to learn how to build systems. Instead of chasing hype or, you know, I'm in cryptocurrency, but there's a lot of hype in that. And those are some of my greatest lessons I learned. But I built a system and I invented called capital DR and I trademarked it. And I so I started to look at Cash flowing modalities outside of my current active income. I was like, well, Warren Buffett, if you can't make money while you sleep, you'll work until you die. So I started to create active income or passive income outside of my active income. And then I started to transition it, but I started to transition it based on macro, microeconomic conditions and inflation. And so what we went through from 2020 to 2022, unbeknownst to me, I created a system that actually worked. And so I started to chase deflationary assets opposite of the inflationary dollar. and throughout that process, I ended up going from losing everything in 2020, becoming a multimillionaire investor, multimillionaire entrepreneur. and we've taught over 16,000 people worldwide our system now. And we also became the number one international we, me and my team, I I honor my team and everything we do. We became the number one international best-selling book around the American nightmare, how debt and inflation stole the American dream. So what I basically teach people is not our grandparents and parents' economy. You know, people are the bond market right now is at five point two percent. same it was about nineteen years ago, but it's a totally different environment. We have a debt base completely forty trillion in debt. We have the Strait of Hormones closed down, inflation is getting higher. We have the Fed battling with the Treasury. and so I teach people how to take a deep breath, kind of zone out or zoom out, excuse me, and look at how to move their money through the system a little bit differently. speaker-0: Yeah, I appreciate that background and while incredibly powerful your journey has been. On the date of this recording, it's September the first. And the 10-year treasury is at around five four point five, yeah, four point seven five percent. So I totally understand exactly where you're coming from. And I'd like to double click on a couple of different things, but also wanted to, you know, obviously give a shout out to a couple of books that you kind of recommended. You know, one being The Richard Man in Babylon. Fantastic read for those that not have not had a chance to consume the content. in that book, I'd highly recommend it. And obviously you talk about the cash flow quadrant, specifically, Robert Kiyosaki's Rich Dad, Poor Dad. So for again, those that have yet to read, I guess they used to call it the purple book. I think it's called something else now, but after the next edition, but would definitely recommend, my listening audience grab a copy, of those books if you haven't yet consumed them. I know, Coach JV, you talk a lot about, this, American dream, really becoming this, American nightmare. So I'd maybe for you like to talk a little bit more about, where the, traditional financial playbook is really failing people today. speaker-1: Yeah, I think the before you think of pre-world war two, people used to have five year mortgages with a balloon payment, right? So people actually bought things that they could actually afford. So they would buy a home that they could afford. But after World War II, they packaged up our society and our monetary system in safety, right? So they came out of World War Two. After the Great Depression, the IMF was created, Bank of International Settlements, Bretton Woods, we became the world's reserve currency. And then what they packaged for our grandparents was safety. It was like a pension, get your job, you know, get your picket fence. Get your mortgage, you can extend it out, right? And so what they started to do is they started to create a financialization society versus a productive society. And then where I where it really started to change in 1971, we detached from the gold standard and that made our money fiat, right? And so nothing back in it. And as we build into today, and it's that's why I say it's not our grandparents and parents' economy. So when I mention bond yields, people are like, we've been here before, but not in this type of environment. We didn't have 40 trillion in debt, we didn't have an overvalued stock market by 220%. We weren't negative debt to income ratio in our GDP. And so that transition, we're at an inflection point in our society right now. And so as and this isn't politics, it's when when somebody's at a podium saying that the economy is at an all-time high, the economy's booming, the stock market is booming. Well, only 10% of the population has access to equities. And so they're not speaking to the general public, they're not speaking to the middle class, right? My parents did it right. They own their home, they own their car, they're the old school model, but most people Consider the American dream having a 30-year mortgage, a 78-month auto loan. And the problem is we're trapped now, right? And so we're just talking about bonds and yields. With yields not coming down, Americans have to start thinking completely different now. They have to start to rewire their brain. And what I believe is gonna happen, we're gonna go back into a K-shaped economy where we're gonna have owners of the system and then we're gonna have just consumers of the system. And I think there's gonna be a reckoning in regards to people who are overleveraged, right? Who borrowed so far against their future self. There's going to be a resetting of that economy. And so the American dream became the American nightmare because people can't make decisions because they can't leave. There's there's they're trapped in scheduled payments now. So with inflation climbing up, everybody's with bated breath, waiting for interest rates to come down. I believe that the era of cheap money is dead. And we can go deeper into that around what I think with AI and technology and things like that. So we've taught people to position themselves in ownership in the new system. speaker-0: Yeah, that makes total sense. And I appreciate that. I want to go back and talk a little bit more about inflation, but I also want to eventually come around to talking about universal basic income, which is kind of a theme that I'm starting to hear a lot more about in terms of that becoming a reality here in the United States in the next 10 years. while I gave you that little bit of a teaser, let's go back to inflation. You know, it's really something that everybody kind of talks about, right? But there's not really most people don't know what to do about it, right? Most people know If you go back 30 years, you could get a McDonald's value mill for three bucks, right? Today, 30 years removed, that same McDonald's value meal is nine and a half bucks. And I tell people in 30 years from now, that same value meal is going to cost you 27 to 30 dollars. What do you mean? What do you mean? Well, that's what happens, right? Because inflation, really deteriorates your purchasing power and it's always going to be here and it's still going to be sticky. It's not something that's going to go away. I think it inflation helps mitigate against some of the impacts. of being forty trillion dollars, in debt as a country. But so all of that said, right, if you can't beat it, join it. So how do you actually join it? So how does somebody actually, leverage against, inflation deteriorating their nest ed? speaker-1: Yeah. So you gotta you gotta look out in the marketplace. And the great thing about you got Claude, you got Chat GPT, people are like, where do I look? I'm like, just ask Claude this question. What assets beat inflation over time? Right? You got gold, you got silver. I like, I'm a digital asset guy, I like Bitcoin. I use silver, physical silver. But if you look out in the marketplace, why are central banks around the world stacking gold? Right? They're moving off into risk on risk off assets, excuse me, that are in deflationary, right? So you think of Bitcoin. Fixed supply 21 million can't be printed. XRP, fixed supply 100 million, can't be printed. So I'm not saying people have to go in digital assets, but when they need to start looking is outside of their active income, is taking some of that income and transitioning into something that is deflationary, opposite of the US dollar. Because you you nailed it. Like people don't it's like the frog in boiling water, right? So inflation slowly creeps in. I had one of my warriors come to me and say, he's like, Coach, I'm literally making thirty thousand dollars a year more since twenty twenty, and I'm More broke. And I'm like, that's you're not imagining that. It's slowly the it's a frog in boiling water. The inflation silently took away that pay raise that you had. I said, you gotta start transitioning some of that income into things that are deflationary, hold value, right? That actually beat inflation. You also have to start for in my opinion, you have to start to create passive income outside your active income because that's how you can beat the currency devaluation. So I always say two things: take some of your income, create passive income that helps with currency devaluation, take that income from your passive income. and your income outside of debts and non-negotiables and put it into assets that are deflationary. So gold, silver, I like XRP, Bitcoin, things like that. speaker-0: Yeah, so I I think what I'm hearing and I'll summarize it, I think what you're basically saying is the the the s this the investor who really diversifies into both a kind of a wealth preservation, you know, type of a strategy through like a stable coin or stable currency, right? as well as those individuals that invest in in types of assets, maybe hard assets that are a hedge against inflation, right? You know, things that actually ride up. With an inflationary type environment, but they also pay that investor, monthly, quarterly, et cetera, because they're actually investing into a hard asset that functions a lot like a business that produces cash flow and ultimately an equity return to the investor. Am I saying that correctly? speaker-1: Yes, yeah. And I the way I explain it to people, and I try to I try to make things as simple as possible. I can explain to a 10-year-old, right? I I said to my 10-year-old, I drew a big bubble, a big bubble. I said, inside this bubble, you got 120% debt to GDP. So there's no real money in the system. It's all debt. We're paid in someone else's debt. So there's crypto, there's bonds, there's stocks, there's real estate, and all that's happening is the liquidity is moving through the system based on macro and microeconomic conditions. As the consumer is sitting there as a consumer, right? They're not moving any there, they're in this little bubble here. They're all consuming the debt. So and and they're paying interest on it. You have to move into earning interest on the debt somehow, right? That's the only transition. I always I always draw this big symbol of an interest symbol. You're somebody's earning it, somebody's paying it. That's it. So that's the first mindset. The thing is like if I'm paying, you know, I have a seventy-eight-month auto loan, nothing wrong with the mortgage, but you have a 30-year mortgage, you have all this debt's extended out against future labor. Yeah, I gotta take some of that income and start earning. interest on that side. The example that I give, and you know, I'm not a real estate expert. I'm just giving you a real model of what I experienced. So my primary residence I bought in 2023 for six hundred thousand dollars at five point seven percent mortgage around four grand. I short term rental that primary residence. I went to rent where I own. So I went into my dream neighborhood. I took instead of I took the three hundred thousand dollars down payment, I put it into the cryptocurrency market, Bitcoin and XRP. It would have been a twelve thousand dollar mortgage I took that $6,000 gap between the $12,000 mortgage. I put that into XRP and Bitcoin. I after a year, I've short-term rental my home and that person, sorry, long term, and that person's paying $2,800. So I have a gap of $1,200 on that. So it's cheaper for that person to rent my home than it is for them to own the home. So they're better off for so that's just a specific example how much real estate has changed if you're buying now. Not people who have owned before and bought with low interest rates. And I keep Sharing with people, it's not about the emotion of the asset. It's about what is happening with inflation, what's happening with interest rates. So if we stay in a high interest rate environment, you to start to think differently in regards to where you position. Will I buy my primary residence? Yes, but I'm gonna be patient for two years, allow that 300,000 to appreciate, the six thousand a month to appreciate, and then I'll take that into a huge down payment to get some equity. So that's an example of like real time inflation where it's cheaper for the renter in my home than it is for me as the mortgage owner. Yeah. speaker-0: That makes that makes total sense. And I I I want to talk about, you know, a different topic that's kind of centered around this this mindset notion, right? I think when it comes to, you know, investing in in hard assets that are hedge against inflation or it's investing in gold or silver or some you know other type of precious metal or cryptocurrency, you know, whether that be Bitcoin or XRP or some other, you know, type of a of a coin out there, I think a lot of people, you know, look at it as only being really two buckets. You're either an investor or you're speculating, right? Right. how do you distinguish between, those two things, especially, when you look at encouraging investors to diversify into into Bitcoin and cryptocurrencies. I'm Zach Happenstall, CEO and co-founder of Rise forty A Equity. Our goal is to help you protect and grow your wealth by investing in large multifamily apartment buildings. We do all the work as far as sourcing these large apartment buildings. Doing all of the on-site management with our vertically integrated property management company, doing all the renovations with our vertically integrated construction company. We completely rebrand the exteriors. We will renovate the exteriors to our full platinum level scope, which increases the value of the asset to get that profit margin for the investor. If you'd like to learn about how you can partner with us on these exciting opportunities, you can go to our website and set up a call with our team. speaker-1: Great question. So that that's where I got matured. That was one of the biggest mistakes I ever made is I was a speculator before and I got crushed. I got crushed when I first got into cryptocurrency because I had no true acumen, to be honest with you. I even came from the banking system and I didn't have the true acumen of a of a real investor, right? So I had to get humbled and I went through that process. I shot into a bunch of speculative investments, gaming, nodes, all these different things, and almost all of them collapsed. Right. Then I started to really look out in the marketplace and I started really focusing on what is the What is the utility of that token, right? So take out cryptocurrency specifically. If I click an investment, what's the utility? Who's backing it? Will it be here in five to ten years? So if someone's going into crypto, I've consolidated into my top three. It's XRP, Bitcoin, and Solana. Now, the reason why I consolidate in those number one, you have Ripple, the company that I can measure. I can actually measure the company. I can look at their liquidity. I can look at their balance sheet. Now Bitcoin. Whole nother story, right? Got Satoshi, some person who made this, you know, thing after 2009, but it's a fixed supply asset. You're seeing countries around the world create strategic reserves around it, creating it as a fixed supply asset on their balance sheet, things like that. so I look at the actual utility and real world solve in the future. And I look at AI technology coming in. I truly believe that AI is not going to operate without cryptocurrency, stable coins, things like that. So when I go into things like cryptocurrency, I've matured my portfolio big time, where I'm just in the top. three for me, I have seven cryptos, but the top three I'm accumulating are based on their utility. And can I actually measure well they and also they've beat bear markets too as well. I think that's the biggest thing. So when someone's going into crypto, ask yourself, has it beat a bear market? And how many bear markets has it beat as well? speaker-0: That makes total sense. And we talked a little bit about this kind of challenging the investors mindset and the way that we are always taught to invest, as we grew up. Either we learned our financial advice or acumen from our parents, or maybe we learned it from a a teacher in school, or maybe you have a friend, Brad, who, you know, has some, you know, point of wisdom that you kind of latched on to, or maybe you've got a financial advisor and they're, you know, certainly focused on on increasing their their asset management fee and getting those dollars deployed in Wall Street, based vehicles. But I want to maybe pivot over to maybe some of the emotional side of investing. And one big emotion is fear. I know you talk a lot about fear-based financial thinking. You know, what does that actually look like, you know, in in practice and and why does fear really prevent people from making good financial decisions? speaker-1: Yeah, it it f the FOMO, right? Fear of missing out. Like it's it's it's what the reason why fear is created is for anything is because there's a lack of a system, right? Someone who has a system, for example, we're the opposite of everybody else. We're this bear market, I was buying as much XRP Bitcoin and salon as I can when everybody was running from it, right? It's because we built a system. We don't FOMO in, we don't FOMO out. So fear is created because somebody doesn't have a fundamental investment plan, right? They have no thesis, they don't have a principal model, they don't have an investment plan to follow. And so what they do is they're just jumping in, jumping out. So when they see cryptocurrency skyrocket, they come rushing in because there's no plan. And then all of a sudden they lose 50% like we did since Trump threw out the tariffs and then they panic sell. Right. So they're at the mercy of the markets. Like I didn't say this, JP Morgan said this, but this gives you and I'll change one of the words on the back end after I say it because I think it's important. JP Morgan said millionaires use charts, billionaires use astrology. Take out if people can't deal with astrology. He said this Put cycles in there. Millionaires focus on charts and emotion. Billionaires focus on systems. That's why, I look at Warren Buffett, one of my favorite people that I study, is he he backed out into cash heavily in 2024 and 2025. Well, why? Because he was moving based on huge macroeconomic indicators. And so that's not a fear-based model, that's a principle-based model. It's a it's a system-based model, like Ray Dalio, Warren Buffett. So I started operating that at a very small level compared to them, obviously. But I started operating that way. So the things that I believed in, had conviction in, I go in when it's red and I exit when it's green. So fear is created from from not having a system and not being disciplined and consistent. speaker-0: Yeah, that makes total sense. And I I don't want to dismiss the fact that I may I made a comment earlier on in this podcast episode about universal basic income. So before I forget on that, I'd love to hear maybe your, crystal ball as it relates to universal basic income. And for those listener listening audiences that don't maybe understand what that is, it's basically social security for all, right? It's government providing a basic level of income for all. Which for most people listening to this, that should scare you. for some of us that are in real estate, unfortunately or unfortunately, it would actually be a positive thing for us. So I just want to kind of throw that back to you because this is one of the reasons why, you know, Coach JV, why we're why you and I are so heavily focused on investing in things that preserve and protect wealth and that are in fact a hedge against inflation, because The experts are talking about this day where universal basic income may come here, to the United States if it hasn't already. speaker-1: It's a real thing. It's a they said the World Economic Forum said you're gonna own nothing to be happy by twenty thirty. Everybody laughed at that. It was a bunch of jokes. But here's the way I explained it to somebody and then I'll go into what I I'll go into my crystal ball and what I think is gonna happen. I had a great conversation with somebody like, that's never gonna happen. They're never gonna take every I said, Let me ask you a question. I Do you own your home? Well, yeah. I said, Okay, so you have the deed? They said, Well, no, I have a mortgage. I said, You don't own your home. I said, Do you own your car? And they're like, Do you have the title? He said I have a loan. I said, so you don't own your car. I said, Do you own your phone? I keep flipping my phone to the new phone and I do the little contract thing. I said, so you don't own your phone, you don't own your car, and you don't own your house, and you're miserable right now. So what's gonna change? I said, the issue is the middle class was designed through debt monetization, which they brought us to this point. Now they're in control. Unless I always tell people, and and people call me the fear monger, but this is re this is reality mongering, not fear mongering. In the next three years, if you don't start to get ownership. Right, you're going to be consumed by it. Right. So what they're what they're focusing on doing is they're, I think they're going to keep rates steady or make them even higher, make it more difficult for borrowers. Owning a home is going to be a rich man or rich woman sport. So you want to own the home that somebody rents. For example, the move that I just made. I rent where I own and where I own. I'm sorry, I rent where I live and where I own, somebody pays me rent. I want to be in the ownership position. I want to own all the properties where people are paying me. I want to own the infrastructure, the financial system. When AI technology comes down, I'm gonna go into the ones, the top three or four that I believe are gonna be here. So, the reason why I've been preaching at the top of the mountain is because universal basic income is gonna be needed, right? People can't pay their debt right now. Trillion dollars in credit card debt. We have people dil we're not in a financial crisis in the housing yet. We're starting to tip into this. Delinquencies are starting to come in. you're seeing auto loan delinquencies go into an all-time high. You're seeing student loans. So we're in this position now where The good news is that there is a way out though. If you start to think like an investor, and even if somebody's making thirty thousand dollars a year and you can spare an extra a hundred dollars a week, just start putting a deflationary asset. So universal basic income is coming. It is coming. And you think about this, I'll put one more position on this is if you're in a position right now where you have high inflation, you can't lower rates because the job markets are coming down, because you'll cause stagflation. But AI technology increases productivity with no you don't need more people. it can literally increase productivity and cool inflation, but that replaces jobs. So we're in this crazy dynamic right now, transitioning to AI. We got the bond markets that are broken around the world right now. You got the reverse carry trade playing out in Japan. and the issue is is that the rich are gonna get richer and the middle classes are gonna move down to the working poor. So people have to start thinking ownership, ownership. speaker-0: Yeah, I I couldn't agree with you more. And you you brought up this concept of stagflation. And so for the listening audience that doesn't understand what that means, it's basically a it's basically something that a lot of people fear. It's something that the Fed tries to avoid, but it's basically a point in the market where you have unemployment rising as well as inflation rising at the same time. Because the Fed's mandate is obviously to, really decrease unemployment while also maintaining, healthy levels of inflation at the same time. But what you're suggesting is we could be in an inflationary environment where we're not able to get inflation, down to the two percent, federal mandate while at the same time we have unemployment increasing because of AI, essentially replacing, a lot of the administrative type, roles that AI can can in fact replace. speaker-1: Yeah, if you think about this too, we got five major factors. It's usually one, right? So we have inflation, currency devaluation, overvalued stock market. Okay. We have a credit crisis and we have the Strait of Hormuz social geopolitical. We have five major threats right now to our economy. Like that is unheard of. Like it's usually one, we have what you know, they go into a world war, there's a change in the economy, things like that. It's usually one thing. We're facing five different threats. And if the strait stays, I've been telling people that since it got closed. I said every the way I explained it. 'Cause imagine a freight train and e every day it's closed, a thousand pound car gets added to it. So even if they open up the straits, you still have all the damage six, seven, eight months down the road. I just don't see inflation coming down. You know, oil just shot up again, the bond market is out of control. so I think people should buckle up and prepare for higher rates for longer in inflation and then really start to get strategic on where you move your money. speaker-0: Makes sense. So what should we what should we tell to those, individuals that are listening that are in their forties, fifties, sixties and they just feel like they're behind? what's the first, two or three moves that that individual should consider taking immediately? speaker-1: First thing is, the basic thing, which sounds basic, but we coach a lot of people and most people don't. A budget. literally sit down and get a budget. I always tell people if you have two cars in your parking garage, I know we want to have the nice SUVs and the nice cars, get rid of one. Get rid of two if you can. Go down to no car payments if you can, if possible, right? You got to create some sort of cash flow. And the first thing is budget, right? That you create a gap in your in your debts and non-negotiables. From there, you want to start. Creating some income outside of your active income because you got to start to get ahead of the model a little bit, right? So I call that cash flow. Cash flow makes money while you sleep, you know, income you have to work for. So you want to start creating that budget, create the gap, move some of it into cash flow, passive income, and then start looking out in the marketplace on what assets can you get into that beat inflation. I like Bitcoin a lot. It's beat every single asset class over the last 10 years. yeah, I like XRP, things like that. I own a good amount of silver. And you have to start to transition and then start to really build a forward-thinking plan, looking at AI technology, what cryptocurrencies or or whatever you think is gonna be part of the new monetary system, and then start to invest in those assets, right? Become a a participant in the ownership of these assets and then develop patience, massive amount of patience. That's one thing that we did. We scope we got out of the fear model, we stopped chasing hype and we got patient. We built a system and we followed it. That was the biggest piece about it. Another recommendation I have is when you have a big liquidity event, I've I've created this model. I got completely debt free on the personal side and I created a structure like when because I had a big liquidity event from crypto, but I was like, I will never end up in that position again where I can't take care of my family. So I made a model where I live off 15% of my income and I invest the rest. So budget first, get some cash flow going, start to research assets that beat inflation, build a system and stick to it. speaker-0: It makes total sense. So you're, you know, Coach JV, you're the you're the coach, you're the warrior. You know, you've obviously gone through, you know, putting in the reps, you've got the education, you're in a position to make, you know, recommendations and to advise others. But I want you to think a little bit irrespective now, and that is, you know, when you think about, you know, your own personal, you know, legacy, right? what does winning? what does winning actually look like to you now? Is it the money, the freedom, the impact, or is it something completely different? speaker-1: my gosh. It's it's it's about impact and freedom. So I call it single point of failure. So I I developed a capital DR single point of failure. So I to me winning is the fact that I'm no longer the single single point of failure in my family. What does that mean? So I created a system now that if I was to pass, we have you know seven companies and three of them are set up without single point of failure. So if I die, there's key man that goes right into the company that keeps the company going. There is money that goes tax free into my trust for my kids, but most of that there's education. So I developed education models for our community, for my kids. And so to me, it's all about legacy. It's not because at some point in a wealth paradigm, it your lifestyle doesn't change. Now you can I guess you can get crazy with your lifestyle. I'm a pretty, pretty low key guy, right? But I mean, at some point, you know, how many nice restaurants can you eat at and things like that? Then it gets to the point where it's about legacy. It's truly about legacy education. And I want this to go beyond me many years. So those are the biggest things that I think about now. Every decision I make is through a principal model. Every decision is for my future generations, biblically, right? For for generations forward. and it's about providing opportunity. It's provide providing hope and providing a system that people can actually follow. Not something where you're up there at the, you know, the stock market is booming. Okay, what does that mean? Like, what does that mean? The stock market is booming. That's why I wrote my book to help people understand, That's what happened. Okay. That's the reality. We can accept the reality, but we have to do something differently. So legacy and financial literacy is the number one thing for me as I move forward. speaker-0: Yeah, I appreciate that. And I really appreciate your, mentioning that it's really about you being in service of others, versus, being self-serving and serving yourself. So really appreciate your your calling that out. Coach J V, as we kind of wrap up here, what would be maybe one or two or three different ways that our listening audience can learn more about you and and connect with you or your team offline? speaker-1: Awesome. Thank you for that opportunity. Yeah. So it's the number three, T as in Tom Warrior Academy dot com. You'll find everything there. It's a our books are there, our ecosystems are there. And so we have everything people can think of for financial literacy education. speaker-0: That sounds great. We'll definitely put that link in the show notes for the episode. really appreciate the tremendous value that you've brought our listening audience today, Coach JV. speaker-1: Awesome. Thank you. Thank you. It's an honor to be here. speaker-0: Absolutely. And listening audience, thank you again for jumping into yet another episode of the On the Rise podcast. We look forward to having you join us on the next episode.