Latest / Authentic Living / Mastering Time and Wealth: Lloyd Ross on Prioritization and Financial Freedom

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Mastering Time and Wealth: Lloyd Ross on Prioritization and Financial Freedom · Authentic Living

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Welcome to Authentic Living with Roxanne, a place where we have conscious conversations
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about things that really matter in our lives.
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And now here's your host, Roxanne Durhaj.
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Everyone, it's Roxanne Durhodge.
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Thanks for hanging out with us again this week.
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Today, I have Lloyd Ross, and he's a little bit far away from me.
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He's on the Gold Coast in Australia.
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And Lloyd, welcome.
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It's 06:20 in Australia right now.
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As everybody knows, I'm in Niagara Falls, so I've got a little bit of a better time for this
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recording.
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But he seems to be ready.
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I'm ready.
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Thanks, Roxanna.
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I'm really excited about the show.
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Thanks for having me on.
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And just when you said you're from Niagara Falls or you live there, when I first went to
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Niagara Falls, I went to see the falls and it was you know how it gets really foggy there?
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Yes.
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Yes.
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Like, I went the day that I went there, it was just fog.
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I couldn't see anything.
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It's like
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I never saw the falls.
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You never saw it?
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Oh no.
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I live literally five minutes from there, Lloyd.
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And I can hear it.
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Wow.
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Right when I'm in my backyard or in my hot tub, I can hear the blow.
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Wow, that's amazing.
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That's how
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close I am.
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Yeah, fun town.
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It looked like a fun town.
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Yeah, but it's tiny.
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It's smaller, but
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I It is tiny.
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There seem to be these little theme parky things everywhere.
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Yes, it's very, no, that's the touristy touristic, but there's lots of evidence,
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subdivision, not
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too So
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let's tell you a little bit about why Lloyd decided to gracious with his presence today.
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He's written a new book, which is in prerelease right now, and he's gonna tell us all about
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that.
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So he's the founder and director of Money Buys Happiness LLC, and it's a company specializing
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in financial education, coaching, and engaging events.
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He's had quite the track record, and he celebrated a two Commer Club Award by
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ClickFunnels, which is a business where people kind of use to get their messaging and their
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sales out.
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And he holds the title of Legacy Club Millionaire with Isagenix, which I think most
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people know.
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So Lloyd, what else should people know about you before we kind of start to dive into things
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about your business, but also more so about the book that's coming?
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Yeah.
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Great question, Roxanne.
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I think the most important thing to know is that I didn't start out we don't start out
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where we are.
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We started out somewhere completely different.
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For me, it was corporate.
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I was a corporate real estate development manager.
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I was working in The Middle East.
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And I found myself in a situation where I was commuting three to four hours a day to work and
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back in a job I didn't like.
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And that was the beginning of me wanting to build a life where I had control of my time.
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So, I guess the journey of all those things you just read was the result of deciding I didn't
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want to be in a nine to five scenario like that, that robbed me of all my time.
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But most importantly, probably in a career that I didn't align with and didn't enjoy.
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And so, I decided to create an escape plan.
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I'm quite young, by the way, as well, right?
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Yeah,
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I was then.
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Was probably 20, in my late 20s when I resigned.
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From there, and it took me I made the decision in 2010, and it took me two years to resign.
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And by 2018, I was financially independent and free.
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And I working from home in my own business.
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So I guess it took eight years to escape from that prison that I had found myself in.
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So you you recognize quite early, which I think a lot of us, me included, you don't realize it
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until you're kind of further along in your career.
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Yes, realize that's when I had my son, I was in corporate still and I was on a plane or a
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train, those types of things I realize now, like, luckily, I was fortunate enough to go
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virtual right after, and then I went into my own business.
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But a lot of people go for years and years and years doing what you're suggesting that you
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did, like a three hour commute, which is Yeah.
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Think it was
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time.
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You know?
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Yes.
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It becomes soul destroying.
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And I it's not like I discovered it.
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It was like a whisper in my heart saying, I don't think this is the answer to living this
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fulfilling life.
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And I just didn't ignore it.
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So I it's a little bit like if you get, I don't know, I would say like a toothache or whatever,
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and you ignore it for a long period of time, it gets worse.
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Worse and worse.
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And so when I started to feel it more, I didn't delay too long.
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I thought this it's just not me.
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And I listened to that.
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So I guess it's like listening to yourself and whoever it is talking to you and being open to
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just living because we only live one life, you just cannot I I don't feel that I could have
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taken the chance to just ignore that voice.
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And I wonder I I think it's out obviously, out of fear, scarcity that people stay there
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because they love the safety or the perceived safety of the consistency of the pay and having
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to grow themselves too much in their role.
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And it's just a comfort zone that is very seductive.
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And then people have families, they start families and they have homes and
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They do.
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They get the have the trips and all that stuff.
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Yeah.
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Get a mortgage and then they get the cars.
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And then they kind of bind themselves to the golden handcuffs because they can't leave.
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Right.
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Yes.
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Absolutely.
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Yes.
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Let's talk a little bit, like, how did you end up?
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The name of the book is money buys happiness.
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So I have three books.
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The first one I wrote was called money grows on trees.
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The second one I wrote was called money buys happiness.
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And we scale that if that's quite we sell about 1,500 of those a month.
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That's a very popular book.
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But they're both self published.
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The latest one, Become Time Rich, is being published by Wiley and Sons.
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They all came through like, that that's how I wrote them in that order.
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The money one I wrote because a friend of mine heard me teaching people about money and
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finance, which is my background.
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And I became an investor, and I actually built a a multimillion dollar portfolio over the last
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fifteen years, which is kind of what the first book's about.
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Okay.
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Okay.
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It's about some business success and some investing success.
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The Money Buys Happiness book is about just creating a different relationship with money,
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and the steps to follow to get your money in order and under control, and what to do to grow
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it and make more of it.
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So it's kind of follows this five step formula that I talk about.
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The latest one I wrote because I've been teaching people and coaching people about
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finances and money for quite some time since I was probably 28, and I'm now 41.
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So about thirteen years of teaching.
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And one thing I noticed was that, I love this quote by Desmond Tutu.
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And he said, at some point, we've got to stop pulling people out of the river, and we have to
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go upstream and find out why they're falling in.
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And one thing I noticed was my students were falling into financial turmoil, or they had
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fallen into financial turmoil.
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Not because they didn't really understand the money process.
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That's pretty simple.
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It's one plus one two.
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It's not complex.
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It's basic arithmetic.
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But they weren't even they didn't even have the time to sit down for fifteen minutes and look
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at their bank statement.
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Did they couldn't manage their diary.
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They didn't know what to work on to grow their wealth.
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And so I realized very quickly, thought, they need some help with their time management.
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They need to set boundaries.
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They need to get some leverage in their life.
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They need to decide what they want to work on with purpose so they actually can work longer,
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and not just be so focused on early retirement and just create anxiety So in their that's what
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prompted it.
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So Lloyd, did you grow up in a family?
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Did you grow up in an entrepreneurial family?
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Like I know you, before we started talking, even in his young 41 years, he's also gone to
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law school, then he has his MBA.
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So you've done lots of things quite early.
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Did you learn about money or did you teach yourself?
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What a great question.
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My mom was always fairly good with money.
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My dad was like, a superstar entrepreneur.
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Both parents entrepreneurial, grandparents entrepreneurial, but my dad was a superstar
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sales guy.
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And he was he made millions in his twenties.
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Sadly, selling, he was selling in life insurance, and he was the number one life
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insurance salesman in the country for ten years.
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In Australia.
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In Australia.
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In Australia, one year he was top international, and they flew him to New York
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City.
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There's some osmosis and DNA happening.
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Something like that with ambition.
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Yeah, you're growing up around, like me when I
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grew
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grew up in Trinidad.
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Okay, wow, there you go.
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My dad was a CEO and I would run around.
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His friends were people in oil and kind of think about what are you kind of taking in.
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You're not thinking you're listening, but you're like, oh, I just now you reflect back
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you're like, wow,
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there was a lot going on.
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Yes.
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That's right.
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I think it's that because children don't do what you tell them, they do what you do.
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And I was inadvertently modeling certain things.
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And so I'd see dad go to work and he worked hard because he wasn't always around.
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And so I thought that's what you go do.
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And he was very competitive, and he taught me how to race motorbikes.
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He and I have a great relationship with him.
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And I wanted to be when you're a young man, you wanna be like your dad.
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And so I was like, I want to be I want to master sale.
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I heard all these stories about how good he was at selling.
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And I wanted to emulate parts of that wherever I could.
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And I think that was a great role model.
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That part of what he did was such a great thing to model and follow.
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And so that helped me.
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But what's fascinating is, whilst my parents were entrepreneurial, not in corporate, never
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went to university, both left school in grade 10.
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They my dad specifically said, you gotta go to university.
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Because when I was when I graduated high school in the year February, there was no YouTube.
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There was no Instagram.
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There was no like the world was complete.
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There was no Internet, really.
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There was no Internet.
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Right.
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The Internet kind of picked around.
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I remember in 1995.
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And I'm thinking, what is this?
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Five years old, the Internet.
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It was it was like AI back.
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It was like this new thing.
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Right.
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It's like AI now.
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Right?
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Yeah.
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It was very weird.
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And you had two choices back then.
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Go to trade school or go to university.
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So all my friends went to university, most of them.
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And I went there.
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Now, my dad was like, get an education, get an education, because he never had one.
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And I went and did a pre med degree when I was 17.
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So I did biomedical science as a pre med degree.
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I did three semesters a year and two years and graduated when I was 19.
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And then I went and got my real estate license.
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After that, sold real estate for a year when I was 20 and then went back to university to get
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my MBA.
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On the way to graduating with my MBA, my dad said, Why don't you go into law school?
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Because it would be great for you to have.
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I was only
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like- as a side, right?
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Yeah, was only 21 at the time.
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And if you go to Australia, you could do the Juris Doctor, which is very similar to The
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United States, you do a JD, a Juris Doctor postgraduate law degree and then become a
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lawyer.
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So, I did that, graduated when I was 23, became a lawyer, and that certificate on the wall is
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my admission to the Supreme Court as a lawyer.
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And once you get admitted, you're always a lawyer.
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But I never really aligned with it because I just didn't have enough experience to really
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know what I wanted to do.
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I think a lot of young people are in that boat.
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Like, how do you even know what you want to be?
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So I often joke that I had a misspent youth accumulating these degrees at university.
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These are the stories though, Lloyd.
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You know what I mean?
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From like hopping around doing lots of different things.
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But I mean- That's true.
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Yeah.
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You were driven.
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Yes.
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But yeah, right?
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I
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was driven, but I was driving my energy into those things instead of I really wish I had
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discovered small business early.
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I just I think, again, it was just not as easy.
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Like, now you can pick up your phone, get onto Instagram, you can start a business out of
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nothing.
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And I just back then in the early two thousands, you had to get staff and get an
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office.
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And I was just I didn't have any capital to do that.
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So it was very tricky.
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And I found myself in corporate in in The Middle East, where I was working as this real
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estate development manager guy and doing financial models for the company.
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And that's where I then discovered I didn't want to do that.
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So that's kind of my background.
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I guess you could say, yes, I modeled.
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I wanted to be more like my parents, but they were pushing me into education.
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Because they didn't have it.
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It's not interesting.
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They probably wanted to create a different legacy for you.
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Yes.
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But you ended up kind of following your own Like you said, I call it spiritual accidents
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that
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happen.
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Then all of a sudden you're like, Why am I doing this?
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It's something that redirected you otherwise.
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Yes,
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that's right.
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And it's interesting because I do talk about this in the new book as well, that the first
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law of winning back your time is to have a definite purpose of what you want to do with
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it.
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And what I did, what we did at our church, my wife and I, we took what's called a spiritual
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gifts test.
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And I've never heard of it before, but we're all ordained, incidentally, through DNA,
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whatever you want to call it, with a natural alignment or affinity towards a specific type
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of work.
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On my spiritual gifts test, it said I was very high in teaching, exhortation, discernment,
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leadership.
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And those are at the top.
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At the very bottom was craftsmanship and hospitality.
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And so I it's why I don't get lit up by hosting events.
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And it's why I don't build my own IKEA furniture when it shows up at my house and get
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joy from it.
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Because I don't have any-
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Everyone's not one of those guys that will sit with
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No, no.
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It was hard for me to hang up these certificates.
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It took me all day.
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So I think doing that test really, it just if anyone if everyone did the test, they would
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realise why they're not getting lit up by the work they're doing.
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And then people are like, well, Lloyd, I've done it.
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I can see that I'm not getting lit up.
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I can feel it.
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What do I do?
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And you've really got to put in place a longer term exit strategy than what most people put in
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place.
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Because when I'm coaching and teaching people, they say, I'm 45.
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I'm 50.
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I'm done with my job.
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I'm ready for my passive income now.
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I'm ready to get what do I do?
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I'm like, we've got to go back.
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We've got to start the steps now, and you've got to really do a five to ten year game plan.
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Really, like, and it might not even be that you have to have an internet business.
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It may not be that you have to have investments to retire.
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It might just be what if what you're doing for your employer.
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What if you could just do that, but do it privately for people and have a LinkedIn
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profile and just go to the market and see if you can do that?
15:35
So Lloyd, it sounds like your books evolved like you did.
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Yeah, I think it has probably.
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I'm just listening to the titles and kind of what you're talking about, which is kind of
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you're having people go from the inside out to create versus kind of when the first book, like
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you said, it was about just about learning about the hard facts about money, how to
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balance things, where you put it in the markets, where it's more volatile, what's your
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Yeah, it was like how to make money.
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Right, how to make money.
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And it sounds like now what you're doing is you're saying to people, kind of not unlike
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what I do with the ROR, is I say if you focus on what your relationship is within yourself,
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the problem takes care of itself.
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100%.
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100%.
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Versus kind of the ROI is kind of keep going, keep going,
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which
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a lot of people do.
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And then a lot of people are doing things, losing time, spending years doing things they
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don't like.
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Then they, like you said, they come up to you at the end and go, Now what can I do now to be
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happy, if you want
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That's right?
16:44
That's right.
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Correct.
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Yes.
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Totally.
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And I wealth is just so much more simple to secure and faster to secure when you focus on
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that, on the what should I be doing?
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Then let's go make money and get it going, so then I can make a decision when I'm 55 or 65.
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Now I can live my life, you know?
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I try I see people like, I'll do this for forty years, and I'll do all the right things with
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money, which is what I do teach.
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I'm doing the right things with money because it does give people options.
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And then when I'm 60 or 65, when I've done all the right things with money, then I'll live.
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And that's where I'm like, what if you could do both?
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Yeah, because a lot of people, what happens, I don't know if you've ever heard this stat, but
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a lot of people that retire, unfortunately, and this is a bad within five to seven years, if
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they've shifted out and they haven't created anything into their retirement, that's when
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they oftentimes get sick.
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And a lot of defined benefits don't get paid out.
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And the insurers actually know that.
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You must know that as
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Absolutely.
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I think you experienced it with your parents' friends that like my uncle just recently passed
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away, probably only six months ago.
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He was a police officer, in a police force you have to retire at 60.
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So when he retired, within five years, had passed away.
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And he had no history of cancer, no history of he I guess it's one of those stories of what am
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I gonna do?
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And what's interesting about that, what you say with the defined benefit plans that never get
18:08
paid out, my accountant keeps telling me Lloyd, put into a superannuation fund.
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That's how he's trained, right?
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And here I'm a multi millionaire, I've got multiple businesses proving cash flow, we've
18:22
got great assets, no debt, we live a great life.
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I said to him, listen, I understand there's some tax benefits of me putting it in there,
18:28
and it grows tax free.
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I I understand that, obviously.
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But I said money to me now is worth so much more than money to me in twenty five years as
18:37
an entrepreneur.
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And the opportunity cost of me putting it into a 10% return now tax free is so and not able to
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touch it.
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That's the problem I've got with it.
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I cannot touch it.
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The opportunity cost to an entrepreneur of money you can't touch is huge.
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Right.
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So it's incongruent with the space that you're in and what kind of lights you up.
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Right?
18:58
Like when you think of Dubai, I don't know, I'm seeing how you're when you talk about Dubai,
19:02
there's a shift in your energy.
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When you're talking about this new book and the four laws, I can see the energy just spark up
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in you.
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Interesting.
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There you go.
19:11
Yeah.
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Right?
19:12
I think, yes.
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Yes.
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So let's talk about the book.
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And for people listening, what are they and I think I am 59, by the way, and I'm listening to
19:26
you.
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And how many people are listening and they're a lot younger or even at my age and thinking, I
19:32
gotta do something.
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Right?
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And like you said, it's not a book.
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The outcome is not It's freedom, I think, ultimately what most people are looking for.
19:41
Enjoyment till they get to freedom if they're going to take a different trajectory.
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But oftentimes people don't know what to do.
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That's right.
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Absolutely.
19:49
People
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Let's talk about those principles because I think they're I know you mentioned the first
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one is
19:55
A law of definite purpose.
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Yeah.
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So in so in the new book, Become Time Rich, to become time rich, I've put I've encapsulated
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the lessons in four timeless laws, because I want the book to be principle based and
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timeless so that people can pick it up anytime and apply these four laws to their situation
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and win.
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Win their time back.
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And so the first one is the law of definite purpose, which is if you're working on purpose
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towards something, you're just more effective with your time.
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You know what to spend it on.
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You don't lose time doesn't fall out of holes in the bucket.
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It just you can utilize as much as you can because you're on mission.
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And so that's the first step.
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Once you decide what this is what I'm going to do.
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Now for me personally, I didn't know what vocation I was going to do.
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But I did know without a doubt on with purpose, I didn't want to be a nine to five.
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So it can be an away energy, like I don't want that.
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So let's at least start there.
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And then eventually you get to a towards energy.
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I wanna now be an educator and continue my entrepreneurial journey.
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But so it's just having some purpose.
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And now let's imagine that your listeners are at that point where they know.
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Okay, I definitely don't to do this anymore.
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I think I want to do this.
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Next lore to apply is the law of elimination.
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And so as you're starting to build this escape plan from where you are, you will be bombarded
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with distractions, opportunities, time thieves.
21:23
People that have these great ideas that want you to get involved in something-
21:27
Yes.
21:27
That a lot of times you might turn it off, but it's because it's not in alignment with where-
21:32
Doctor.
21:32
That's right.
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It's not in alignment to your definite purpose.
21:37
So, those things that aren't aligned ought to be eliminated.
21:40
And what happens to people is that they end up adding so much onto their plate that they get
21:45
overwhelmed and anxious that they have too much to do.
21:48
And what I noticed in my own journey was that when I was running a property business six days
21:53
a week, I had a side hustle in network marketing that I was building to get freedom.
21:57
I was competing in a bodybuilding competition, and I was studying for my CFA charter, which is
22:01
the hardest financial exam in the world.
22:02
It was like twenty hours a week.
22:04
And I was doing too much.
22:06
And and you start to feel like you're being pulled apart.
22:09
You're spread too thin.
22:11
And so I had to eliminate my CFA charter.
22:13
Then I eliminated my business and property.
22:16
Like, there were big elimination steps to take so I could free up my time to focus on what
22:20
mattered, which is my business, my own little small business online, and my health.
22:24
So by doing that, I opened up more time to work on what was going to give me the freedom.
22:29
And so when you're eliminating things out of your life, you have to be fairly brutal.
22:34
It's very much akin to when you go and clean out your closet, like once a year with your
22:38
clothes.
22:38
Oh, I like this.
22:39
I might wear this again.
22:41
So, you know, you do that, yeah, and you kind of feel like the clothes have feelings.
22:45
You're like, oh.
22:46
Right.
22:46
Yeah.
22:46
And you don't want to so when it comes to your eliminating other things on your plate, you
22:50
have to be fairly brutal.
22:52
Like, it's a it's bold elimination.
22:56
Is it that people find the hardest to eliminate?
22:59
It's interesting because I had one student, she actually I I did this exercise with her, which
23:05
is actually in the book to do as well.
23:06
And it's where you write down all the I gave her about fifteen seconds to thirty seconds to
23:11
write down all the things that she's working on.
23:13
So like all the plates that she's spinning.
23:15
And she wrote down like 10.
23:17
Okay.
23:17
Her name's Pam.
23:18
Now I said, Pam, now I'll give you fifteen seconds, and I want you to cross out all but
23:24
three.
23:24
Go.
23:25
And she crossed out as many as she could, she was left with three.
23:28
One was her business that she'd been working on that was doing quite well.
23:31
Was like a telehealth business.
23:33
The other one was her health, and the other one was I can't recall what it was off the top of
23:37
my head.
23:38
But she had another one.
23:39
One that she crossed out was her job.
23:41
And so she said, actually, my job is what's holding me.
23:45
I can't eliminate it.
23:46
And I can, but I'm not.
23:47
Because she was holding on to that fear.
23:49
It was just a mindset shift that, hey, it's time to leave now.
23:53
And so, that's quite an interesting story.
23:56
But a lot of people don't eliminate they won't leave their soccer team.
24:00
They won't leave their like they're doing two sports instead of one.
24:04
They won't eliminate if they got a second job, they won't eliminate that.
24:09
They won't eliminate, let's say they have two projects, there might be one network marketing
24:13
opportunity, one affiliate marketing opportunity, or something.
24:17
Maybe they're writing a book, and they don't know which one of them to eliminate.
24:21
So they're trying to accumulate opportunities.
24:23
And you don't want to accumulate opportunities, you want to get one good one, and then work it
24:29
up to where it's working.
24:31
And so, I guess they fail to eliminate very things that they feel are very important.
24:37
So, purpose and then elimination, which is hard.
24:41
I'm just listening to you and I'm thinking, Oh boy, I know I've been in that.
24:45
In the stuff that I'm doing now, I'm thinking, Oh my God.
24:48
What do I need to eliminate?
24:52
That's right.
24:52
Which is tough.
24:54
Not easy.
24:55
Yeah, like you'll go a while thinking about it in your head for six months, it'll be like a
24:59
war in your head.
25:01
That's fairly normal.
25:02
But then eventually, the pain will get great.
25:04
You just you have the heart.
25:05
And to eliminate, this is for the audience, what it requires is a difficult uncomfortable
25:11
conversation, usually with someone else.
25:14
That's what was preventing me eliminating things.
25:16
Didn't want to let someone down.
25:18
I didn't want to disappoint them.
25:20
And there's a great book out there called The Courage to be Disliked.
25:25
So- Doctor.
25:26
Courage to be Disliked?
25:27
You see, is the third book you get right
25:29
Yeah, The Courage to be Disliked.
25:31
And it's this notion that to eliminate, you've got to have this difficult conversation.
25:35
And it means that you think they're not gonna like you because it's almost like a breakup.
25:40
You're like ah
25:40
and you don't- I had to say no like I just thought about it.
25:45
It was on a topic I hadn't really done much work on and it meant there was lots of
25:50
different things.
25:51
Had to say no and the person said, all they said to me is it's unfortunate.
25:55
Which was like my I was feeling guilty as it was.
26:00
I went
26:00
And I made you feel guilty.
26:01
And then I felt it when I wanted to kind of go back and I didn't.
26:05
And sure enough, now other opportunities came.
26:09
There you go.
26:10
Yes.
26:10
Because I said no to that one.
26:12
Yes.
26:12
Two other opportunities came.
26:14
Perfect.
26:15
I sent them to that one which is more in alignment with where
26:17
I Yes. Want
26:18
Want to Perfect.
26:19
Yeah.
26:19
What a great example of that.
26:21
And that's why they don't do it.
26:22
You have the courage to do it.
26:23
It was not easy.
26:27
Nowhere in here do I say, this is easy.
26:30
You will never see that.
26:31
It does take people think it takes all these things, but it takes courage.
26:34
So you did that.
26:35
Now, once you have done that, because elimination is just so undervalued.
26:41
And there's a really cool little story parallel in the book that I talk about where
26:44
Michelangelo, the famous Renaissance artist, and sculpt, they created he sculpted David and
26:52
the statue of David.
26:54
And so this is discussion he has with someone when they went to see it for the first time and
26:59
Michelangelo is standing there, this other person standing next to him.
27:02
And they said, Michelangelo, how did you do this?
27:05
How did you sculpt David?
27:07
He said it was very easy.
27:08
He said, all I did was chip away all the parts that weren't David.
27:13
And so in your own life, what are you chipping away and eliminating that is not aligned with
27:21
your definite purpose?
27:22
That's a powerful thing.
27:25
Powerful.
27:26
And you have to be aggressive with it, you know.
27:28
But the third law I speak about is once you've done that, how do you enhance or accelerate the
27:37
building of what you're trying to create in your definite purpose?
27:41
Like how do you if you want to build a brand and a business as a psychologist, or whatever
27:45
it might be, now you've discovered that, and you've got a purpose and we've eliminated
27:50
things that aren't aligned.
27:52
How do we scale it?
27:53
How do we achieve more with actually less?
27:57
Because one of the misconceptions of becoming wealthy and successful is that you've got to
28:03
work harder and be busier.
28:06
Right, because when you free up time, I was listening to Alex Hermosy on the CEO podcast,
28:12
and that's what he was saying.
28:13
He stepped in with his success, and he said nobody could have told him at the time.
28:18
And then when he stepped out of it, what what freedom he got from being able to do that.
28:25
And now he says no more than he says yes to those which are big opportunities.
28:31
And people say, how could you?
28:33
And he goes, no, no, no.
28:34
I know where I'm going, and nothing's gonna get in my way, which is this whole concept that
28:38
you're talking about.
28:39
That's right.
28:39
Yeah.
28:40
It's interesting what happens because when you're younger, the idea is to say yes to a lot
28:43
of things to get more opportunities and figure one out that you want to take with you.
28:47
It's a little bit like when you're younger, you can eat as much takeaway food and junk food as
28:50
you want.
28:51
And then the chains of habit are too light to be felt before they're too heavy to be broken.
28:55
So by the time you get to 30, that's not an effective strategy anymore.
28:59
And so, it's the same with saying yes at a young age.
29:03
It's a difficult habit to break because then it starts to work against you as you get older.
29:07
And so, he's worked that out that no is more important than yes.
29:11
To get that's true, so you don't want to take on any more than you have to.
29:16
But what I noticed is when I actually delegated, especially delegating things that I
29:22
was good at, which was the hardest, I created what's called leverage.
29:26
And that's the third rule, the third law in the book.
29:30
Because there's three types of leverage.
29:33
One is people leverage.
29:35
It's the easiest to secure.
29:36
And you can do that quite quickly by getting a virtual assistant.
29:39
That's the first steps of that.
29:40
The second one is systems.
29:42
And that's what's made the McDonald's story such a success stories because it's running
29:46
through soft and hard systems.
29:48
And the third one is capital leverage.
29:50
How are you leveraging your capital to either create passive income or improve your business
29:56
and and implement those two types of leverage?
29:59
And so the whole idea of a business of scaling and going faster is where is my people
30:05
leverage, and where is my systems leverage?
30:08
So if you can get both, you end up working less, but achieving more.
30:13
And what happened to me was, I had this new business, this education business that we
30:18
created in COVID.
30:20
I'd written these two books, and we were scaling and helping people with our mentorship
30:24
programs.
30:25
And I was back in my cupboard here where you're seeing me right now.
30:29
And I was actually doing sales calls all day.
30:35
And I'd realized I had just I'd left that cubicle behind.
30:39
And many years later, I had created another one for myself.
30:43
I was like, oh my- so I would leave to go away on a trip, and all our sales would fall.
30:49
Because it was dependent on you.
30:50
Yes, yes, I had no leverage.
30:52
And so I remember when I had to outsource to a sales team for the first time, I happened to be
30:57
away on a yacht in the Sea Of Cortez in Mexico with my wife.
31:01
And we were about to leave to go on this six day trip, and there was no phone service.
31:06
And I was like, oh my god, I'm just implementing this new sales team, and I can't
31:09
even talk to anyone.
31:10
And what was fascinating is when we came back to La Paz Harbour, six days later, I remember
31:16
my phone pinged off.
31:17
It went ping, and it was like a WhatsApp message.
31:19
And I went up, I held up my Stripe account.
31:21
I'm like, woah.
31:22
And there was a sale.
31:23
And I realized that was the moment I thought, oh my god.
31:27
I'm so glad that I had other people working in the business with me at that point.
31:33
Right.
31:33
And you had to let go.
31:34
Right?
31:34
Like, your wife in a beautiful spot.
31:37
Let go.
31:37
Right?
31:38
You
31:39
surrendered, right?
31:40
Like you let go.
31:41
I no choice.
31:43
It was God.
31:44
There was no servants.
31:45
Yes,
31:46
you're going to say, where has that ever happened in the world?
31:48
Said was six days, six days.
31:50
So it was interesting.
31:52
So that really helped me.
31:53
And I'm gonna tell you what, like, when you find people and partnerships, so I've built
31:58
four businesses that we still run all on partnerships.
32:01
So partnerships and people, and delegating and systems in our business.
32:05
So we have lots of software and systems that really help us out.
32:08
Our tech stack and our software systems alone is about $7,000 a month just to pay for the
32:15
systems.
32:15
Right?
32:16
But I know
32:16
that it runs all four businesses or is it?
32:19
One, it runs the main one.
32:21
And then we have some of those systems that help with two of the others.
32:25
And then one is a laundromat business that it's still got systems in it, but it's not the same
32:30
systems.
32:30
But I- but you can apply these- the law of leverage of systems people and capital into any
32:35
business.
32:36
Because you've got to ask yourself, where's my leverage?
32:38
And you need to ask this when you're feeling so busy, can't do anything.
32:42
That's- explain leverage, explain leverage to me, break
32:46
it down into a basic.
32:47
Okay.
32:48
Well, it was discovered by a chap by the name of Archimedes.
32:51
And Archimedes was arguably one of the smartest people who's ever lived.
32:56
Ancient Greek mathematician.
32:58
He discovered these things like circumference and radius and all these cool things.
33:02
Oh, yeah.
33:02
All those things.
33:02
Yeah.
33:03
Right?
33:03
He's the guy that went in the bathtub and overflowed, he yelled, eureka, and he ran down
33:07
the streets of Athens naked, screaming this.
33:10
Right?
33:10
That's him.
33:11
So he just people don't know this about him, but he discovered leverage.
33:14
And leverage in its simplest form is if you get a fulcrum or a bar, and you put it over a rock
33:19
and you push down, it can lift things heavier if you just did it yourself.
33:23
And so he has the power of a system to help.
33:27
And so he invented the catapult based on these laws of physics.
33:31
So if you apply the same style of leverage into your business, what it really means at its core
33:36
is being able to work less and achieve more at the same time.
33:43
And so that's the type of leverage I'm talking about.
33:45
And you get it through delegating to people to do it better than you can.
33:49
Yeah.
33:50
Paying them, and then also implementing systems to do it while you're sleeping.
33:54
Right, of course.
33:55
But I'm getting comfortable because people will free up time, then there's this discomfort.
34:00
Yes.
34:01
Right?
34:01
Because now you're like, okay, got this time, right?
34:04
Yes.
34:05
And
34:05
then you can actually then think more.
34:08
But it's uncomfortable because you saw it, I've gone through that.
34:11
And then you're like, I've got this full time.
34:14
Then when you start to realize that's when your ideas come.
34:17
I went on long walks and I was naming the book Long Minutes, that's when I wrote my book.
34:23
Isn't it interesting?
34:25
You wrote your book on long walks, am I right?
34:28
Yes.
34:29
So I live along the Niagara River, like we were talking in Niagara Falls.
34:34
And I was walking and of course the book is in process.
34:40
I was writing it.
34:41
I joined a writing group over COVID and that's where it got written every morning to get out
34:46
of bed like everybody was trying to figure out what to do.
34:48
And then I was walking.
34:50
I would have to go more than forty five minutes.
34:52
So I would go on two hour walks.
34:54
And after probably two weeks of doing that, the title of the book and the image on the outside,
35:01
it wasn't like a definite snapshot, but it kind of just came to me.
35:05
Yes.
35:05
You got to download because you had time to create because you weren't busy.
35:09
Right.
35:10
Yeah.
35:10
It's so great.
35:11
Because I did the same thing.
35:12
Was in the gym.
35:13
People say, where did you write your book?
35:14
Or how did you write your book?
35:15
They say, went to the gym a lot.
35:16
Because I don't touch my phone in the gym and I just get an hour and a half to think every day.
35:21
And that's when your best ideas come.
35:23
And people are so busy.
35:25
They just don't get that time.
35:27
And they treat their head like a USB stick, trying to remember everything instead of a
35:33
creating tool, which is really what it's designed to do.
35:35
When it comes time to, like what you said, implement those things and you create time,
35:41
it's actually a feeling of guilt.
35:44
Right?
35:45
Because I should be doing, but you are doing something.
35:48
That's the getting comfortable.
35:49
I should.
35:50
Yeah, right?
35:51
Because really when you spend that time kind of alone,
35:56
Yeah.
35:56
Like, where do those impulses come from that you create something or you think of something
36:02
better?
36:02
But it takes getting comfortable, though, with that as well.
36:05
It's getting rid of the notion that I must always be busy every day to make money.
36:09
And it's like, you have to get comfortable like what you said in sometimes doing nothing.
36:14
Like, that's because you feel guilty.
36:16
Like, I'm not making the most of my no.
36:18
It's just you were working on such low value tasks so much all day every day, that you never
36:23
really experience what it's like to be wealthy, which is actually working less.
36:26
And it's really funny because at the very beginning of the book, there's a synopsis of
36:30
what life, what wealth was supposed to be like in the Victorian and other eras.
36:36
It was like, the wealthy people didn't work.
36:39
They They they like sit around.
36:42
They play tennis.
36:43
They yeah.
36:43
They go on yachts.
36:44
They they have tea parties.
36:46
They go on fox hunts.
36:48
That's what they're and so all of a sudden, I think it came from like the obviously, the
36:52
industrial revolution.
36:53
But certain elements of the yuppie, or the successful Wall Street banker from the 80s, it
37:00
created a new identity of wealth.
37:02
Like Wall Street, right?
37:03
Like that movie, right?
37:04
Yeah, that's right.
37:05
So yeah, the identity was, if you want to be successful, go to the office every day, work
37:09
hard, blah blah blah blah.
37:10
Now what's fascinating is that that's ingrained in us so heavily now because it's programmed
37:15
into us through movies and other things, and our But what I've noticed is I'm making so much
37:21
more money now.
37:23
But like my diary after you today, if I'll I'll show you this.
37:27
It's wild.
37:28
After you today, no joke.
37:31
This is you here in the morning.
37:33
I've no nothing.
37:34
No.
37:34
Gym.
37:35
Gym.
37:36
And I and I think of that.
37:38
I think, obviously, there's things for me to do.
37:40
Like, I have to do a few little Right.
37:41
And then if you need to attend to something or whatever- Yeah.
37:45
It's critical, people will get to you.
37:47
But if it's not- Doctor.
37:48
Yes.
37:49
I still do things, but I've a team of 10, like eleven, twelve.
37:53
There's maybe 13 or 14 people across those four businesses that are or more doing things right
38:00
now while we're doing this together.
38:02
And that's truly what leverage is about.
38:03
It's where you're actually shuffling off this coil that you have to be busy all the time to
38:09
make money.
38:10
And that's
38:10
a big powerful chapter.
38:11
And the last one in the book is the law of priority.
38:14
And what that really dictates to the reader is, are you working on the right things?
38:19
Because you could be a good worker, could be in your definite purpose, even creating leverage.
38:26
Are you working on effective things?
38:28
And most importantly, are you setting boundaries?
38:31
Because when you do discover what you love to do, sometimes it's difficult to just switch
38:35
off.
38:36
And you do burn out even when you love what you do, probably more so because you love to work
38:41
on it 20 fourseven.
38:42
Right, you don't know.
38:43
You don't have that lock off switch like everybody You don't.
38:46
Because you're like, oh, no, I didn't leave the house today or whatever.
38:49
You don't.
38:50
Yeah.
38:50
So it's- but it's so true.
38:53
But it's- so say them again, just to reiterate them again.
38:57
The four laws?
38:58
Yeah.
38:58
Yeah.
38:59
The law of definite purpose.
39:01
The law of elimination, the law of leverage, and the law of priority.
39:07
Yeah.
39:08
Yeah.
39:08
And the last chapter of the law of priority is- a lot of that was inspired by John Mark Comer,
39:16
who wrote a book called the the ruthless elimination of hurry.
39:20
It's got like 50,005 star reviews on Amazon.
39:23
And I learned a lot from him.
39:25
He used to be a pastor in a church.
39:28
He led a church.
39:30
And inadvertently, incidentally, he got burned out.
39:34
Now if you run a church, it's a big organization with a lot of people that want
39:37
your time.
39:38
And and he said in the book, in summary, was that he's spiritually burnt out Because he
39:44
accidentally thought that to live a life like Jesus was just to serve.
39:50
And in serving everybody and giving everything, he lost his own soul.
39:54
And what he really talks about is actually, he was on the wrong track, and he gives this
39:59
wonderful story of how he asked for some help from a mentor.
40:06
Dallas Willard, this guy name was.
40:08
He was also a pastor.
40:10
He said, you could just give me one piece of advice, what would it be?
40:13
And the pastor said, you must eliminate hurry from your life.
40:20
You must eliminate hurry.
40:22
Yeah.
40:22
No.
40:23
You must do it ruthlessly.
40:25
And so what that meant was, and I've it's just it it's now my top five book.
40:30
And I talk about it in my book because it had such a profound impact on me because I'm a high
40:34
d personality.
40:35
Oh, you're a d on the disc.
40:37
Yeah.
40:38
Yeah.
40:38
So I'm like, I'm drive drive.
40:40
Go go go go.
40:41
So so I do things fast and react quickly.
40:44
And now I'm not suggesting no one's perfect in their elimination of hurry.
40:47
I still make mistakes.
40:49
But I noticed I was doing everything fast.
40:54
I was brushing my teeth fast.
40:56
I was walking to the gym fast.
40:58
I was you can tell someone who's got I I in my book, I title it hurry sickness.
41:03
Sickness.
41:03
You can tell when someone has hurry sickness because you'll notice, you're watching them,
41:07
they'll bounce their leg.
41:09
Yes.
41:10
Yeah.
41:11
Yeah. They
41:11
They keep their leg like like Yeah.
41:13
My wife calls that my wife calls that the poor man's shake.
41:20
I got a poor man's shake.
41:21
Don't mean poor man.
41:22
So that's called hurry sickness.
41:23
And to eliminate it, you have to realize that getting wealthy is actually the opposite of
41:29
hurry.
41:29
It's completely the opposite.
41:31
There are moments where there's urgency required, but it doesn't require you to be in a
41:35
hurry.
41:36
Now this is what happened.
41:37
When I went to church one morning, the pastor was giving the sermon said, and this hit me
41:42
because I'm a Christian.
41:44
He said, not once in the New Testament was there a story where Jesus hurried.
41:52
Even when his friend Lazarus was dying, it took days to go.
41:57
So and I was like, oh my god.
41:59
I mean, obviously, if your child is in trouble, you rot.
42:02
Like, you
42:02
Right.
42:03
That's yeah.
42:04
You're gonna go to that.
42:05
Yeah.
42:05
Yeah.
42:06
But I just was like, oh my god, like, because we're trying to do everything in our own time.
42:12
And what we don't open up opportunity for is in someone else's time.
42:16
And when I started to take that on board, I started to brush my teeth slowly.
42:22
I started to walk to the gym slowly.
42:26
And I just started to alleviate a lot of the anxiety that was burdened was on my shoulders
42:32
because I thought I had everything fast.
42:35
And even the book, what was interesting about this is back before I kind of adopted these
42:41
principles.
42:43
We write books sometimes because we need it more than anyone else.
42:47
Isn't that the case?
42:48
And then you look back and you're like, did I know that?
42:51
Yes, We knew it.
42:52
And it's like, I remember
42:55
Yeah.
42:55
I read back my book sometimes.
42:57
I'm like, I don't even remember writing that.
42:59
Yeah.
42:59
But it's so profound.
43:00
You're like, Wow, that's good.
43:02
I think about it.
43:03
And I think I slowed down at some point with it, because what we noticed was if we were to
43:08
go and put it into our current education business, what it was going do was be like a
43:13
stick in the spoke on a wheel on a bike, because it would have required a new sales
43:16
funnel, new ad copy, and it would have completely It would have pushed my team's time
43:24
away.
43:24
Like, it would have made us too thin.
43:28
And I realized that, I'm like, oh my god, we don't really have capacity for this.
43:32
And here I was, I've written this book out of sheer hurry.
43:34
I actually wrote it because one, I had it in me to write it.
43:38
But two, I watched Alex Walmosy's book launch.
43:40
Oh, it's not interesting that I just mentioned him.
43:43
And Yeah.
43:44
I'm gonna forget his name, the podcast.
43:47
Because I've just started to follow both him and the other-
43:51
Yeah, Diary
43:54
Yeah, Diary of a CEO.
43:55
I
43:57
watched that with my wife, and I remember after the book launch, I turned to her and I said,
44:01
He's so good.
44:02
It makes you want to quit.
44:04
He's just so good.
44:05
And so I watched her.
44:06
I said, I can do that.
44:07
I can do it.
44:07
So I told my team, I said, Let's get excited about this project.
44:10
And I wrote this book.
44:11
So the whole idea was to launch it self published.
44:14
And then because I realized it wasn't going fit into the business, I had to slow down.
44:18
And I said, I don't know what I'm going to do now.
44:20
And then a buddy of mine said, why don't you publish it?
44:22
I said, oh, God, I don't think that's going to be a very effective commercial strategy.
44:27
Because when you express books, you give away like 90% of your-
44:30
Right, of course.
44:31
When you go with it- and you're with one, right?
44:33
You go-
44:33
Yeah, and so I wasn't down that track because I'm actually a marketer, and I can actually
44:38
market my book.
44:39
But what you do get with a publisher is incredible credibility, and it's a branding
44:44
experience.
44:45
And so I never thought of it like that.
44:47
So I actually went to an event.
44:48
I was asked to be a speaker at this event here, DreamFest, which is quite a big event for our
44:54
city by my friend.
44:57
And when I was in the green room in the back waiting to go on stage, my wife said, why don't
45:03
you talk to Dane Walker who had just released his book, ninety day brand plan?
45:08
And and I said, okay.
45:11
So I went up to him and had a chat with him.
45:12
I said, Dane, I heard you got published with Wiley.
45:14
He said, yeah, man.
45:15
It's awesome.
45:15
I happen to have a book.
45:16
Can you have a look at it?
45:18
He said, yeah.
45:18
And I actually had it in my bag.
45:20
I had a I had this one.
45:22
This is the original sample copy that I did was described here, this little one.
45:26
And I said, oh, can I and he looked at it and went, yeah, man?
45:30
I'll give you a hookup.
45:31
And so he introduced me to the senior editor in New York.
45:34
In Wiley.
45:36
So he hooked me up with the senior editor in Wiley, and I got on a call.
45:40
And within two weeks, they gave me a publishing deal for this.
45:44
Because I'd done all the work and was prepared and ready, it was fairly simple at that point.
45:50
So no one ever gets it easy.
45:51
But it's interesting because if I kept going with it and didn't slow down on it, it wouldn't
45:56
have happened.
45:56
And so what's fascinating now is we are launching the book in six weeks on a big online
46:01
launch like Hormozie, and we're gonna go as big as we can with it.
46:04
And it's so fun.
46:06
But I apply the principles in the book.
46:09
Yeah.
46:09
So
46:10
Slowing down to hurry up, but not as the word hurry, right?
46:14
I- The word hurry.
46:15
Yeah.
46:16
Like creating space, I guess is what I hear you saying, right?
46:19
Totally.
46:20
Like you said, you had to create a different path.
46:24
And from that, it puts you into another spot.
46:27
Then your
46:28
wife, and they always say, you never know where you're going to get the messages.
46:32
And then all of a sudden, she's telling you to talk to someone.
46:34
Oh, it's incredible.
46:35
You came up with the idea.
46:36
I was in the green room.
46:37
And that's why I say, how do you get a publishing deal?
46:40
I didn't have a That's not a good path.
46:44
I can't even teach that.
46:45
Like, ah, write this book and spend $50,000 writing it and have no idea for it.
46:50
Then go and speak at an event and talk to someone in the back room.
46:53
And that's just an appropriate strategy for anyone.
46:56
It's just more of a spiritual Look, I think But I think, you know what
47:00
I hear you saying, and I know you're a man of faith, I can tell, that you really listen.
47:07
Sure.
47:08
Yeah.
47:08
Throw out.
47:09
I mean, it's it sounds like it.
47:11
And, really, what you're teaching others is to do the same because we all I think, truly,
47:16
like, you have a gift.
47:17
I have a gift.
47:17
We all have gifts.
47:19
Yeah.
47:19
But if you think about what the state the world is in right now, Lloyd, people are scared.
47:25
They're they're buckling down kind of what's happening with us here in between The US and
47:29
Canada.
47:30
You can't go anywhere without people living in fear, which is and you're talking about the
47:34
opposite.
47:34
Right?
47:35
Which is letting go, letting be, listening, creating, which it's refreshing to actually
47:41
hear.
47:42
Because that's what we need to do more of, right, overall.
47:44
Yes, absolutely.
47:46
And I- now I think with AI that can enhance people's ability to do that- Yeah.
47:51
There's really no excuse now not to create.
47:54
Because what you could do now and I and create meaning publish things like what you're doing
47:59
with your podcast, what you've been doing for so many years with your podcast and your books,
48:04
that's a creative outlet.
48:06
But it's also valuable for people.
48:08
It's repeatable.
48:08
There's a lot of leverage in that.
48:10
There's a business model behind it.
48:11
Enhances your brand and your business.
48:12
There's now no reason why people can't do that.
48:15
They just have to have the imagination and the willingness to want to get louder and not be in
48:21
fear of judgment of others when they do it.
48:23
Because with AI, like, right now, after I wrote all these books, I'm sure you feel the same, I
48:29
could now speak my next book into chat GPT in my own tonality, and it can spit out a
48:36
wonderful oh, you're gonna see the proliferation of books. I
48:39
I forget
48:39
about structural editing and final copy editing.
48:42
My god.
48:43
I just Yeah.
48:45
So I often skirt that I wrote three books before AI.
48:48
But I just think now it's gonna unlock more creativity because a lot of people don't know
48:57
how to write effectively or say the right thing.
48:59
But if you can do it now with AI, I think we're gonna see a huge uptick.
49:03
We will definitely
49:04
of our ideas.
49:04
Yeah.
49:05
Yeah.
49:05
So it's coming.
49:07
So there's gonna be Yes.
49:09
A launch.
49:10
So tell us about that and tell us about if there is a presale or a link, that people can
49:16
go to and Yes.
49:18
Or do before you do that, though, is there any last words?
49:22
Because I think this is helpful to people out there, There's so much information.
49:25
What if anything, not if anything, what do you wanna leave behind from your chat with us
49:31
today?
49:34
I will say that success is always under construction.
49:38
And it's really when you start the process of creating your escape plan from wherever you are
49:42
to where you want to be.
49:44
I think there's joy in the process of doing that.
49:46
And that's where a lot of the freedom comes from.
49:48
It's not in the not necessarily in the end result.
49:51
It's I am building my freedom plan here, and it lights me up.
49:55
And so don't- if you can fall in love with- I say marry the process of building it and
50:00
divorce the outcome, and you'll go a lot further.
50:05
Bury the process, divorce the outcome.
50:07
I like that.
50:09
You not have built that unless you got that somewhere else.
50:11
I like that.
50:12
I think I may have monitored it from my friend who actually endorsed my book.
50:16
So there you go.
50:17
But that's all I'll leave there.
50:19
But we are.
50:19
We're going launch the book.
50:20
If you go to Amazon and type in Become Time Rich, you can grab it in Canada, USA.
50:24
Hopefully, it's going be big in The USA.
50:26
But it will be in bookstores as of May 28.
50:30
But if you go to Amazon now and preorder it, you take a screenshot of your confirmation of
50:38
order and tag me on Instagram, you'll get an automatic message from my ManyChat bot to go
50:46
into a list and I'll gift you my latest time rich AI course for free.
50:51
Just comes to you for free.
50:53
So, if anyone does that and pre orders, that's my special pre order gift.
50:57
Now, I'm
50:58
gonna have to go pre order it so I
50:59
It'll can get come to you.
51:01
So, that's what I've got in place.
51:04
But the big launch, we're running some ads.
51:07
We're launch it hopefully this week.
51:08
We're gonna run ads to a big online launch.
51:10
I wanna get 1,000 people on the Zoom to that launch.
51:14
That's on the June 1, my time, which is evening on a Saturday evening in USA and Canada.
51:19
If you follow me on Instagram, you'll likely see an ad to come along.
51:23
It's a free launch.
51:24
It's fun.
51:25
I'm just going to be talking about the book and lots of lessons, giveaway stuff.
51:28
It's just a free experience and it's like a big party online.
51:31
Alright.
51:31
Well, I'll try to get my team to put this out before so that we can help you out with that.
51:37
And if you wanted to send us the link, we'll put it in the show notes to try to get it out
51:41
just before, the week before.
51:43
Okay.
51:44
Well, the link to the launch is become timerichbook.com.com
51:49
timerichbook.com.
51:54
Alright.
51:56
It might need a www booked up before it as well if it doesn't work, but
51:59
Or worst case scenario, just send it to me as backup just in case.
52:02
Oh, perfect.
52:02
Okay.
52:03
But
52:04
it's been a pleasure.
52:06
Charming and bubbly and you love what you do.
52:09
Right?
52:09
So if we could just bottle that, that would be great.
52:13
And it's been a pleasure spending the time with you.
52:17
I think when I think of what I'm walking away with is leverage, I love I know purpose, but
52:23
what to eliminate.
52:25
I love that Because concept, it just almost feels like you're creating a path, like with
52:30
every kind of law that you kind of talk about in the book.
52:35
So for people that are you're trying to find your way, whether you're in a job and you're
52:39
trying to do something for more fun, I think you can apply these.
52:42
It doesn't mean that you're going go out and be an entrepreneur.
52:45
But is it that you really what would you do in your free time for free?
52:50
Spend time doing that just to bring that joy.
52:53
And if you're in business, apply the principles and create that success that maybe has been
52:59
eluding you or you're on your way to achieving.
53:01
And so with me, thank you again, Lloyd, for being here, for everybody for hanging out with
53:05
us.
53:06
And my book, I'm creating a course with live coaching on the Aurora.
53:11
That's gonna be launching in June.
53:13
So connect with me, and I can give you all the details.
53:16
Again, Lloyd, thanks so much, everyone.
53:19
Thanks for tuning in to Authentic Living with Roxanne, creating the space for positive,
53:24
healthy change.
53:26
Roxanne is a keynote speaker, psychotherapist, and coach.
53:30
To work with Roxanne, visit roxannederhaj.com/blueprint.
53:36
We'll see you next time on Authentic Living with Roxanne.