Latest / None of Your Business Podcast / Making $$$$…... and STILL in Debt?! This Episode Is a WAKE-UP CALL.

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Making $$$$…... and STILL in Debt?! This Episode Is a WAKE-UP CALL. · None of Your Business Podcast

• 0:00
  Everything that's happening is because we're all not confident
• 0:03
  with our own financial structure.
• 0:06
  That is why we need to go into that Range Rover to feel that
• 0:11
  status. How about if my status is that I
• 0:13
  have a paid off house? None of your business or she.
• 0:20
  None of your business, Michael. It's the None of Your Business
• 0:23
  podcast. Hosted by Michael Anoshi.
• 0:26
  Welcome back everybody to another fantastic episode of the
• 0:30
  None of Your Business podcast. I'm your host, Michael
• 0:32
  Greenfield joined with my Co host Ushi Schwartz.
• 0:35
  And today we have a fantastic guest.
• 0:38
  But before I divulge to you who it is, thank you and kudos to
• 0:42
  the Prime Source production team for always being there behind
• 0:44
  the scenes and making this possible.
• 0:46
  Don't forget to like, subscribe, comment, get involved.
• 0:49
  Rev Mattis Gilbert, founder of RSK, previously known as
• 0:54
  Rifshila's Kitchen. Let's get into that.
• 0:56
  Who are you? What's what was Rifshila's
• 0:58
  Kitchen? What is RSK?
• 1:00
  So much to learn from you? I'm so excited that you're here.
• 1:03
  Thank you. Thank you, everybody.
• 1:06
  Shulam Oshi, old friends. Let's do Reb Bushy.
• 1:12
  I didn't start an organization, RSK, but I've done other things
• 1:15
  with my life. Did you learn anything from him
• 1:16
  in your life? I have.
• 1:18
  What is that? We have a lot of history.
• 1:19
  Matas I go way I'd. Really like to start off
• 1:22
  knowing. What you learn from us, I know
• 1:24
  the non Matas Gilbert RSK version that other people might
• 1:28
  not be exposed to. They're seeing all the greatness
• 1:31
  shine through now and all the amazing things that he's doing
• 1:33
  and that his organization does. And by the way, it's very, very
• 1:36
  profound. What you're doing is so
• 1:38
  impactful. I know that it was a very, you
• 1:41
  know, quiet in the beginning. It wasn't it wasn't so gigantic
• 1:45
  as it as it is today. But and I would love to hear
• 1:48
  that entire story of how it all began.
• 1:50
  But Matis, what people may not know, happens to be a dynamic
• 1:54
  personality. He's just someone that you're
• 1:57
  around him for a few minutes and you can't help but just laugh
• 2:00
  and be in a good mood. This is like his MO since he's
• 2:04
  been a kid, since I know him for a long time.
• 2:07
  Like if you had a party, you want to invite Marthas, You want
• 2:09
  to make sure he's there because he lifts everybody up.
• 2:11
  You know he has that. He's always smiling.
• 2:13
  You're always happy, Marthas, you're always in a good mood.
• 2:16
  I don't know what's up with that.
• 2:17
  It's a little bit. Well, he's smiling.
• 2:18
  Which is that not? True.
• 2:19
  You never know what's going on on with that smile.
• 2:22
  You never. Know, huh?
• 2:23
  You know, I always try and we're always trying, but you never
• 2:27
  know. And we try to do our best.
• 2:29
  But Oshi, one thing I do learn from Oshi, he is a man that has
• 2:34
  never given up. Not that he oh, he's coming from
• 2:38
  the dumps and he and like a whole story like that.
• 2:40
  I'm not trying to imply that, but as as as much as I know him
• 2:45
  from kids, he's just driving force operator, operator,
• 2:51
  operator, just driving, driving, driving from the camp to the the
• 2:56
  if he had a canteen, that canteen was on fire and he 10
• 3:00
  exed it and 10 exed it again. And if it was from the camp, I
• 3:04
  don't know if he had a canteen. When am I going to sit in that
• 3:06
  chair? When am I going to reverse?
• 3:09
  I have so much to say. I remember bar with my cousin
• 3:11
  telling me about Ushi and in class and they got icicles,
• 3:15
  popsicles and this and for the Rebbe and they and they somehow
• 3:18
  got from Rabbi Mule Manowitz Kalmanowitz.
• 3:21
  Yeah, So see, I remember that like by the way, when 5th grade
• 3:24
  rabbit when a Rebbe gives something good to kids that it
• 3:28
  made me remember 30 year to 25 years later is 30 years later.
• 3:33
  I remember his name. I don't remember another every
• 3:35
  name him I remember and he gave like a colorful something and
• 3:39
  you got it. And he does and they and they
• 3:41
  hustled like this and hustled like that.
• 3:43
  And but the oh, she was hustling it.
• 3:45
  Every day I'm hustling. What you learn from that though,
• 3:48
  you finish the. Grind the grind, never give up,
• 3:51
  never give up. And, and especially when you
• 3:53
  start from young. And that's why financial
• 3:55
  coaching, I'm not, it's not a sales pitch, but it's so
• 3:58
  important for people to start from when they're young and not
• 4:01
  that 40. Everybody should come into
• 4:03
  financial coaching, but not but it's so much easier when
• 4:08
  somebody starts off in the Parnassa gig, which that's our
• 4:14
  advice. And to start from younger
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  because it's, you're compounding your own self, right?
• 4:20
  The you know, the compound interest from from S&P, but you
• 4:24
  can do you, you're compounding yourself.
• 4:25
  And every year that you're, you're doing, you're growing and
• 4:28
  you're growing. And USHI has been has been
• 4:31
  grinding and hustling it and, and running with it and, and
• 4:36
  mammals bustling it and. Very high praise coming from
• 4:40
  Umantis. It.
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  Really is. I appreciate the kind words, but
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  ultimately what you're doing today is just nothing short of
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  incredible. Nothing short of incredible.
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  And a little bit that I know, I want to tell you what I know
• 4:51
  about RSK, and I'd love to hear the story of how this came to
• 4:54
  fruition. Like, how did you even think of
• 4:56
  this? And then what steps did you take
• 4:58
  to start executing this? But the little bit that I know
• 5:00
  about RSK is that it hits a certain audience, right?
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  It targets a certain market that hasn't gotten attention for a
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  very, very long time, if ever. And it was always understood
• 5:13
  that, yeah, those kinds of people are fine.
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  They're in a good place. They don't need any assistance.
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  And they were the forgotten child, so to speak.
• 5:22
  And you stepped up and you said, wait a second, let's take a step
• 5:25
  back over here. Everybody's very focused on the
• 5:27
  very needy people, right? People that are really
• 5:30
  struggling. They're out of a job or they
• 5:33
  have a job, but they can't make ends meet.
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  And we need to help them. We need to support them.
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  And there's a lot of organizations out.
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  That's one of the beautiful things about our nation, about
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  the Jewish people, is that we're always helping everybody else
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  out. We always have each other in
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  mind, and there's no person that's ever left behind.
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  There's an organization for everything.
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  No matter what it is that you need, your needs will be met.
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  OK. Then you have the people in the
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  opposite spectrum that are well to do, and they're doing very,
• 5:59
  very well. They obviously don't need extra
• 6:01
  help. Matter of fact, they're in a
• 6:02
  position to help other people. They have maybe other problems,
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  and there are other organizations for that as well.
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  Everybody needs something. Nobody could do it alone, owned
• 6:10
  by themselves. But then there was something in
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  the middle like let's call it a sweet spot of people where they
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  weren't on the right or the left.
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  They're, they have a pretty decent job.
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  They're they're making enough money, they can survive, they
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  can live, maybe even have a little bit extra.
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  But there's so many variables for those people because of, you
• 6:30
  could say, the type of lifestyle that we have that people, they
• 6:33
  tend to overreach, they tend to go a little bit above their
• 6:37
  means sometimes. And they get into a situation
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  where they really do need help, but they're embarrassed to ask
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  because I'm someone that has a reputation that I have it
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  together. I know what I'm doing and they
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  don't necessarily know where to go.
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  And they, they're too embarrassed to ask for help.
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  And in today's world that we live in, it's actually very
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  difficult with all the inflation and with, with the type of
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  lifestyle that we have as a firm family, all the extra expenses
• 7:01
  that it comes along with that it really isn't enough.
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  You're actually not as well to do as you think you are.
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  And those people have been on the sidelines really struggling
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  for a very long time and no one's been looking out for them.
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  No one's been looking out for them.
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  Enter RSKA. Concept of we actually want to
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  address a major need that's going on in communities all
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  around the world where we have people that are in these types
• 7:26
  of positions, but they actually do need the help.
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  And we want to make this OK. We want to bring light to it
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  that you have nothing to be embarrassed about, that you you
• 7:34
  have a great job and we're very happy, but we want you to do
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  even better. We want to enhance what you have
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  going on. We want to give you those tools.
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  And it's my understanding that's where RSK sort of steps in,
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  gives them those tools, they can create a better life for
• 7:46
  themselves. Well, she Amen.
• 7:51
  Oh, she's, oh, she is, is. We're going on a tour and Oshi
• 7:55
  is going to come around to every community in Klystrow and pitch
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  RSK. You nailed it.
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  Yeah, I I want to give a donation to RSK, right.
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  Now, all right, how much about this love?
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  By the way, you know, it's so funny because as you're sitting
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  here and I'm learning about it and I know a little bit of RSK,
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  you and I have spoken many times in the past.
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  And I think it's something important to notice as the
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  world, we look at the world and the people, the income that
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  everyone makes middle class. When people look at the world of
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  middle class like OK, middle class considered like I think
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  let's put a number at it $75,000 a year to 150,000 a year.
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  Let's say a non Jewish I'm talking.
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  About. Oh yeah.
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  Right. But, you know, so it's almost
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  embarrassing to call ourselves middle class when you know that
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  I'm making actually a decent amount.
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  What would you consider a Jewish middle class?
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  What? What's that number?
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  I'll never put a number to it. Every every family is different.
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  Our number is definitely a lot more than the 75 to 150.
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  The fact is the cost of living today, forget about the
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  groceries, forget about the inflation, the pricing, the
• 8:56
  pricing of today's market and just go up and down from buying
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  a house to mortgage, to rent, to tuition, to to cars to summer
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  camp, summer camp, grocery activities, entertainment.
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  Forget. That I'm not even talking about
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  activities, entertainment, I'm talking about literally just
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  needs. You have a guy who's making a
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  solid income, he's making 2-3 hundred, $400,000 a year.
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  He's got a beautiful job in the. Doing very well for himself, he
• 9:31
  succeeded. And then he's coming home and
• 9:32
  his wife is, is, is going haywire because doesn't add up.
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  So first of all, back to Oshie, what what you said before, how
• 9:42
  RSK got into this and, and, and how RSK evolved.
• 9:47
  We started out as of Shiloh's kitchen and that's how RSK,
• 9:50
  that's what RSK stands for. And, and proactive care was
• 9:56
  always my calling because I, I can't reactive care irks me.
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  I know that's where the money is.
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  Everybody makes money unreactive.
• 10:07
  It's a good feeling. You have the, it's a, it's an
• 10:09
  emergency. It's lights and sirens, Adam,
• 10:12
  you know it's a downplay, but but the the it's it's tangible.
• 10:16
  I saved somebody, I gave him a soup, I gave him AI gave him AI
• 10:19
  gave him a sandwich. I gave him AI gave him a car.
• 10:22
  Like it's like you paid his rent, which you tack a help
• 10:25
  Sedaka and Sedaka is very important.
• 10:28
  You know, since we did RSK, people always like go to
• 10:30
  financial coaching and then I'll help you.
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  Hashem put lead in people's feet.
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  Hashem created the world that we should have anem and we should
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  have Hashem. And the reason why the Oni is
• 10:40
  being that on the receiving end is to give you the, the, the,
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  the giver a source. That's why he's there doing it.
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  He's suffering for the for the givers.
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  But the reactive always irked me and I always wanted to steer
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  away from the concept of a person needing and a person
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  going further into the needing situation.
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  And because let's elevate them. Let's do a bigger facet, Let's
• 11:09
  elevate the people. And that's where proactive care
• 11:11
  comes in, what RSK is all about. And even when we started out
• 11:15
  with with the Ribshila's Kitchen giving out meals, I actually
• 11:18
  started with her and Moskowitz. I told her, and Moskowitz from
• 11:21
  Muncie is at Saladic and her and Moskowitz, I told her,
• 11:26
  Moskowitz, like what about during the week for people that
• 11:29
  just need to get by during the week?
• 11:30
  And that's when we started out the meal program.
• 11:32
  And then one mother sent back out the meals with her, with her
• 11:35
  two daughters. I'll never forget it.
• 11:37
  And the mother and I was like, OK, I took it back and the
• 11:41
  mother called me 1/2 hour later and she with literally tears in
• 11:44
  her eyes. And she was like, when I get
• 11:46
  into the Shamana, I'm a healthy young mother.
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  I don't need the the meals. I need the ingredients.
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  So that's when we, that's when we went.
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  I can make the food on my own. I can make the ingredients.
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  Don't give me ready made food. That's it.
• 11:59
  So then I went into the groceries and we were like, all
• 12:03
  right, it was a, you know, I was always, you know, future
• 12:06
  thinking and always just forward thinking and like, let's go with
• 12:09
  the community. Let's go with the community
• 12:10
  needs. And that's when I went into the
• 12:13
  into the grocery line and we and we put money on people's
• 12:17
  groceries accounts. And then and then from there I
• 12:23
  help people on to financial coaching.
• 12:25
  Actually, back then it was through Massila together, we had
• 12:29
  a whole everything going on and then and these people went off
• 12:34
  the financial, went off the grocery program.
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  I was like, whoa, one second, this is where it's at.
• 12:40
  Like the guy's going with the grocery program.
• 12:41
  So let's go further. And another person, another
• 12:44
  person until we eventually developed our own curriculum,
• 12:48
  our own program and trained coaches and, and Buckersham,
• 12:53
  we're up to 30 coaches and we have a Monroe just opened now
• 12:57
  today, by the way, Buckersham in in ballpark Lakewood, Muncie.
• 13:02
  And we do zoom all over the world and we're going into
• 13:07
  California and, and in Cleveland.
• 13:10
  It's, it's, it's, it's busting away now.
• 13:14
  The reason it's, it's, it's going so far and the impact is
• 13:18
  so deep is because it's literally changing a family from
• 13:23
  Sean Bias to Chenna to Davening to learning the man is a
• 13:29
  different man when he can be a giver, when he could be someone
• 13:33
  who can provide and he can give. And his wife and him, they're
• 13:38
  both on the same page and they're rocking it.
• 13:40
  They're rocking away. And even when, when, when he's
• 13:42
  having a hard time, she understands the hard time that
• 13:45
  he's going through. She's not just oblivious of
• 13:47
  what's going on in the financial world that like, oh, that's,
• 13:50
  that's his department. That's my department.
• 13:52
  We, you know, we, we, we each have our own curse, right?
• 13:55
  We will have our own curse. We have Parnosa women have
• 13:59
  childbearing and we rock we and, and, and we roll with it.
• 14:04
  We don't, we're allowed to help her and she's allowed to help
• 14:07
  us, right? It goes together.
• 14:10
  And when it's when it's a Symphony, when we meet together
• 14:14
  somewhere in the middle, they feel better about it.
• 14:17
  And not just they feel better about it when you can explain to
• 14:21
  your wife what's going on in your life and they don't.
• 14:24
  So they're like, I'm in, I'm game, I'm here with you.
• 14:28
  So it's a different world. The, the financial.
• 14:30
  So that's where we went from the, from the reactive care to
• 14:33
  the proactive care. We run on Salesforce.
• 14:35
  We run it like a business. My biggest blessing is when I
• 14:38
  come into show and somebody, oh, RSK, it's a business.
• 14:41
  I love it because that means we're running it like a
• 14:43
  business. We have to get to the office
• 14:46
  staff. They know within 24 hours to get
• 14:48
  back to the client. It's clients.
• 14:50
  We don't have cases. It's it's confidential is like
• 14:56
  the utmost importance. Like I don't have access.
• 14:58
  I never looked into anybody's files.
• 15:00
  You personally never looked into anybody's files.
• 15:02
  It's their own personal thing with them, with their coach and
• 15:05
  there's a supervisor. They have to write reports like
• 15:07
  it's a full, full, full system of it.
• 15:10
  And the amount that goes into it.
• 15:12
  People don't have it and people don't, not people don't.
• 15:15
  People appreciate it. People don't realize what goes
• 15:17
  into it. It's not just a coach, his
• 15:19
  office or whatever. There's so much back end
• 15:21
  training, ongoing training and keeping them informed and
• 15:24
  keeping them trained and keep them up to date.
• 15:27
  So, but to display that is hard. I always say like one day I'm
• 15:30
  going to make like a little kitchenette with a, with a, with
• 15:35
  a, with a soup. And there's some shy, but I'm
• 15:37
  not sure you can come in for, for anybody that wants to
• 15:39
  sponsor like for, for food, because it's so much easier.
• 15:42
  People like, you know, and like, like people that want to do like
• 15:45
  Khaliqa, you know, it's. More gratifying, it's when you
• 15:47
  help someone right now, at this moment, he's desperate and you
• 15:51
  can extend your hand. It feels better versus teaching
• 15:54
  someone in advance and you know you're not helping at this
• 15:57
  moment. It's going to be for later.
• 15:58
  But this is generational. This is generational and it goes
• 16:01
  it goes to the Kish kiss. People are able to make Hassan
• 16:04
  is better. People are putting away for
• 16:05
  Hassan is we have couples that that are putting away money from
• 16:08
  now when the kid the the baby's born, say, by the way, 100 bucks
• 16:11
  a month, 200 bucks a month, 300 bucks a month putting into the
• 16:13
  SMP and they're going to have 5000 a 150 depends on what they
• 16:17
  put in. That's a changed father 20 years
• 16:19
  from now, 18 years from now, it's a, it's a different.
• 16:22
  It's a. Different Let's slow down a
• 16:23
  minute. You're saying a lot, a lot.
• 16:24
  You're really, you're really giving us an overload here.
• 16:27
  But everything that you're saying needs to be dissected in
• 16:30
  itself because you're really opening up people's eyes to a
• 16:33
  whole new way of living, right? This is a whole new model that
• 16:36
  unfortunately, I don't think our community is as adept with as as
• 16:40
  they should be. And this is the old adage,
• 16:42
  Michael, give a man a fish, he'll eat for a day.
• 16:47
  Teach a man to fish, he'll eat for a lifetime, right?
• 16:50
  And that's the real way to truly help someone is to give them a
• 16:54
  livelihood, is to give them a means of sustenance that they
• 16:57
  can provide for their family, not just for their kids, but for
• 17:01
  their grandkids, and teach them a healthy lifestyle of what it
• 17:04
  means to be responsible fiscally, which is one of the
• 17:07
  more tougher things to do. I struggle with this just like
• 17:10
  anybody else does. I mean, everybody struggles with
• 17:13
  this to a certain capacity, everybody.
• 17:15
  Making $1,000,000 a year and in debt.
• 17:17
  And they still are in debt, right, $1,000,000 a year.
• 17:19
  And, you know, stories that's. What not, no, no stories.
• 17:21
  It's everyday happening, people coming and making $500,000 a
• 17:24
  year and they're in debt. And that's why when you ask me
• 17:27
  what is middle class today, I don't like answering it because
• 17:31
  because the person making 750 and spending 850, he's
• 17:35
  suffering. He's literally suffering.
• 17:38
  And until he's not going to do financial coaching himself with
• 17:41
  his wife, he's never going to get out of it.
• 17:43
  And he's always going to be chasing his tail and he's always
• 17:45
  going to want what his neighbor has because he doesn't have his
• 17:48
  own Zeke. I always say it's a, it's a,
• 17:50
  it's a financial blueprint. It's the Schwartz financial
• 17:53
  blueprint. It's the it's the, it's the the
• 17:56
  Greenfield family financial blueprint.
• 18:00
  Your house is different than Ushi's house.
• 18:02
  You didn't decide, oh, I'm building a house.
• 18:04
  I want an exact like Ushi's house.
• 18:06
  Your wife likes a big game room. Your wife likes a big kitchen.
• 18:09
  His wife likes a a big studio and a big pool house or whatever
• 18:14
  everybody has by the. Way everybody has.
• 18:18
  Their needs. Michael, you know what this is
• 18:20
  like. We have a friend, a mutual
• 18:22
  friend, Michael, know exactly what I'm talking about on the
• 18:25
  spot. If we each earn $1.00 OK, an
• 18:29
  hour and we have 8 hours, $8 at the end of the day, I made $8,
• 18:35
  Michael made $8, and our friend made $16.00.
• 18:39
  You know why he made $16.00? Because for every dollar that we
• 18:41
  spend, he gets $2.00 value out of it because he knows how to
• 18:45
  conserve the money. He knows how to use it wiser.
• 18:48
  He's going to buy his eggs in a grocery store.
• 18:52
  He's going to buy a cereal in a different store based on, you
• 18:55
  know, he's, he's not going to drive himself absolutely insane,
• 18:58
  but he's going to do things that are within reason to make sure
• 19:01
  that he's getting his money's worth.
• 19:03
  And that's why we always say that he has double the amount of
• 19:05
  money we do, even though we make the same amount, he's got double
• 19:08
  the, the money. And I think that's the art that
• 19:11
  RSK is, is bringing to the table is that they're teaching people,
• 19:15
  no matter what you make, and you said it very wisely, what's the
• 19:17
  middle class doesn't doesn't matter what you make, it matters
• 19:21
  what you spend. That's what.
• 19:23
  It and it's not about cogging. Stingy.
• 19:26
  It's not about being frugal. Don't be stingy.
• 19:29
  Hashem created the world and joy life and and you know, people
• 19:32
  are always like my wife's not going to want to come because
• 19:35
  I'm going to start cutting. Why is wife getting nervous
• 19:38
  about cutting Like why is every and by the way, when you talk
• 19:41
  about financial coaching the woman's the issue.
• 19:43
  She's not the issue Many women would many women crave a budget
• 19:51
  or let's not call it a budget a spending plan.
• 19:53
  Spending plan is a lot more yeah, there's no restriction
• 19:56
  restraining a spending plan. Women appreciate having a
• 19:59
  framework having a a carrier bias for a reason.
• 20:02
  We can be off for for if we if if everything was under control
• 20:05
  at home. We'll be out for a month, right
• 20:07
  we'll we'll or or just go out or check out for three days.
• 20:10
  Women are more. Organized.
• 20:13
  Organized, grounded and discipline.
• 20:15
  It's discipline and that's why it's managed.
• 20:18
  Money goes further than unmanaged money.
• 20:19
  It's 80% behavior, 20% finance. I know I was last week in
• 20:23
  Detroit stolen. The rebel was in Detroit, the
• 20:26
  Toyota's yard side and I was, so I was there for shop.
• 20:29
  It was the first time that was there in a bunch of years.
• 20:32
  And so the community, they were telling me come in for financial
• 20:37
  coach, come in. We got we want to, we want to
• 20:39
  bring financial coaching to Detroit.
• 20:41
  Let's do it. I was like one second didn't
• 20:43
  Everybody was telling, everybody's telling me that the
• 20:45
  house here is two $300,000 and like everything should be
• 20:49
  amazing. Yeah, they have voucher programs
• 20:51
  for the schools over there. I don't, yeah.
• 20:53
  In Cleveland, right? That's what I heard they have.
• 20:55
  Yeah, in Ohio, not in. Detroit, yeah.
• 20:57
  Not in Detroit. OK, Yeah, yeah, it's a shame.
• 21:00
  Should be everywhere but but but you would think that in Detroit
• 21:02
  they're better way. They're better off because it's
• 21:04
  not about the income, it's about the discipline, right.
• 21:07
  I remember we were sitting once with pesky Berkowitz Yerli
• 21:11
  Jobnik from Specialty RX, so I don't know your space.
• 21:16
  By the way, we shout out to them because at every trade show we
• 21:18
  go to, practically everyone, they provide the kosher food and
• 21:22
  it's just one of the most amazing things.
• 21:23
  You feel comfortable, you don't have to worry.
• 21:25
  There's mignanim. There's we were just at a show
• 21:27
  last week. Shout out to those.
• 21:28
  And there was delicious Glock kosher food throughout the whole
• 21:31
  event because they sponsor and everywhere we go, they're very
• 21:34
  big into that like. They're just sponsor.
• 21:35
  It's like it's your style. Like they give you what you need
• 21:37
  and you get every. Aspect of it, yeah.
• 21:39
  So one of the things you want, he told he, he, he told us like
• 21:43
  my employee came in, I gave him $50,000 raise because he's, he's
• 21:47
  stressed out and, and he can't work properly.
• 21:49
  He's, he's going crazy. So I gave him the $50,000 raise.
• 21:52
  He's like six months later, he's back in the same place.
• 21:54
  Yep. So it's not about the income.
• 21:56
  It's all about managed money goes for the unmanaged money.
• 21:59
  And, and, and that's why teachers, there's a study
• 22:02
  educators have the highest percent of millionaires per
• 22:05
  capita. You'd think educators they make.
• 22:08
  Well, what do they make the. Least of the matter.
• 22:09
  And 9120, even the public school system, it's not just the right
• 22:15
  because they're disciplined people, educators are
• 22:17
  disciplined. So I'm not saying we need to
• 22:19
  live in that life in in that lifestyle.
• 22:21
  And obviously 250 today, 3:50 today with a family of kids is
• 22:28
  very, very, very tough if you're not managing.
• 22:32
  And if you're making it earlier on, you have a better
• 22:35
  probability of being being ahead of the ahead of the game further
• 22:40
  on. Like if you're not managing your
• 22:42
  money and comes five years later, 10 years later and you're
• 22:45
  making, oh, making 450. So, but you haven't been you,
• 22:49
  have you? You didn't take advantage,
• 22:51
  didn't leverage those bunch of years that you didn't have the
• 22:53
  expenses. Or even if you did have the
• 22:55
  expenses, you weren't managing it properly.
• 22:57
  So you didn't leverage your money and you didn't leverage
• 23:00
  the time. Yeah, you're literally living.
• 23:03
  Mathis, I want to, just for the record here, I think I need to
• 23:06
  say it, and I'm sure a lot of people are thinking it as well.
• 23:09
  Everything you've said is undisputable.
• 23:11
  There's no question about it that you're much better off if
• 23:14
  you're managing your money wisely, if you're being more
• 23:16
  disciplined, if you have a spending budget.
• 23:19
  I think you called it a spending plan.
• 23:21
  You didn't like the word budget, right?
• 23:23
  And your wife would be more on board with it if you actually
• 23:25
  let her in and you included her in the conversation instead of
• 23:28
  saying no, no, I handle the finance.
• 23:30
  You don't have to worry. And then she goes, OK, I don't
• 23:32
  have to worry. So then I can spend, spend,
• 23:33
  spend. But the minute you actually
• 23:35
  reason with her and you explain to her what's, you know, the
• 23:37
  finances, you know, and what we have money for, she she does
• 23:40
  jump on board. I agree with that.
• 23:42
  Here's what I what I would like to put out there.
• 23:44
  I think that a lot of this is self-inflicted.
• 23:47
  I think a lot of what's going on in our communities, why we
• 23:50
  really do need RSK and training coaches to teach people how to
• 23:54
  be financially responsible is because of the cultural
• 23:58
  lifestyle that we have somewhat all gotten accustomed to.
• 24:03
  Because of everything we see around us that have now become
• 24:06
  almost standard. It's become a very normal thing
• 24:08
  that I can't drive a Toyota Camry because if I drive a
• 24:12
  Toyota Camry, I'm somewhat in the lower echelon of, you know,
• 24:15
  the lower class. I got to drive something, you
• 24:18
  know, not mediocre. I got you something right, You
• 24:22
  know, my, my, my lawn has to look pristine, all those because
• 24:25
  my neighbor's lawn and I can go on and on, on and on that in our
• 24:29
  shul, in our communities, what we see and every and everybody
• 24:33
  wants to at least keep up with what the next person is doing.
• 24:35
  He might be making a lot more money than you, you know, So
• 24:38
  it's not easy for you to keep up with that person, but you feel
• 24:40
  compelled to because of social status within our communities is
• 24:44
  very, very important because you're almost judged on that in
• 24:47
  a, in a big way. You're judged on that.
• 24:48
  Let's face it, the guy in shul who's doing very well well and
• 24:52
  has a lot of money tends to typically be the one sitting up
• 24:55
  front getting the bigger alias and everybody puts a lot of
• 24:58
  stock and oh, I have to make a lot of money because that's the
• 25:00
  way I get recognized. That's the way we get glorified
• 25:03
  in our community. Money does.
• 25:05
  I'm sorry, I don't think I'm saying, I'm just saying it out
• 25:08
  loud. I think a lot of people agree
• 25:09
  that, you know, in our community's money does hold a
• 25:13
  very a lot of weight. It carries a lot of weight.
• 25:15
  And therefore people don't have a choice.
• 25:18
  They feel they have to go beg, borrow and steal in order to
• 25:20
  keep up. And so, but perhaps perhaps
• 25:23
  another form of prevention versus treatment, which is,
• 25:27
  which is what you're doing, you're calling it prevention, it
• 25:29
  is treatment. A lot of people are mired in
• 25:30
  their debts and they're stuck and they don't know what to do.
• 25:32
  It's all treatment, just prevent.
• 25:34
  But shouldn't we also take a stance with it from the very top
• 25:38
  down and, you know, start maybe changing some of those
• 25:41
  mentalities that we've really grown accustomed to that we
• 25:45
  shouldn't we look at that and say, are we doing this right?
• 25:47
  Do we really need to have $75,000 weddings?
• 25:51
  Do we really need to, do, you know, $40,000 for Neela every
• 25:55
  single year? And then things like that.
• 25:57
  Perhaps we start scrutinizing what we're doing as communities
• 26:02
  all over the place and asking ourselves, maybe there's a
• 26:04
  better way. Maybe there is a better
• 26:06
  mousetrap to all of this to fix this problem.
• 26:09
  The issue is, oh, she, you're 100% on target again.
• 26:14
  And to drive it a little more home, the Hasidosh Island, which
• 26:21
  is much easier to, to target is because Hasidis it's, it's 11
• 26:30
  administration or one Reba administration and you have 5000
• 26:34
  people in one shot. You have 10,000 people in one
• 26:35
  shot by the Lithosh Island. Wherever it's a show of 100
• 26:39
  people, it's a show of another. It's a it's a bunch of packets
• 26:42
  of people. The whole reason why this whole
• 26:48
  rat race is happening is because we're all not confident ourself
• 26:53
  with our own financial structure.
• 26:56
  That is why we need to go into that Range Rover to feel that
• 27:00
  status. How about if my status is that I
• 27:03
  have paid off house. Did anybody look at that?
• 27:06
  Does anybody know what that Range Rover what his what his
• 27:09
  debt on his house is? Does anybody, is anybody aware
• 27:12
  that that, that he's that he has zero in savings He had he
• 27:16
  doesn't have three to six months emergency fund.
• 27:20
  Nobody's aware of that when he knows that.
• 27:22
  And that's why when a husband and wife, when they graduate,
• 27:25
  the financial coaching, they're like, you know, the pressure
• 27:29
  that I used to think is like, it's a must, I need it.
• 27:32
  And by the way, you'll be surprised by this item.
• 27:34
  It's a must. I got to do this.
• 27:35
  I got to do that. She's like, you know what, I
• 27:38
  don't have to do that because our family decided we're going
• 27:40
  to do XY or Z and we're going to do AB or C.
• 27:44
  The Stoltz, the Greenfield Stoltz, the Schwartz Stoltz, the
• 27:48
  Gilbert Stoltz. That I, we decided this is what
• 27:52
  we're spending on in our family is only going to come from us.
• 27:56
  You don't have to do it through financial coaching if you want
• 27:58
  to do your own coaching with pleasure.
• 28:01
  But until we're not going to each and every one of us go
• 28:04
  through it and have our own budgets and own own plans and
• 28:07
  our own structures, we're never going to come out of this race
• 28:10
  because we're always looking at the next one.
• 28:12
  And the standard is what's pulling us through.
• 28:15
  Hasid the sheed. Yeah, stalling the hustle.
• 28:17
  The muscle screams are shrouded by Darwin screams on top of his
• 28:22
  lungs. You ever downloading stone?
• 28:24
  I have, I actually have. I went to the yeshiva for a
• 28:26
  couple of years when I got there for the first time and I heard
• 28:29
  of Darwin for the first Michael. It's a real thing.
• 28:31
  I haven't been there. Are you aware of this?
• 28:34
  This is wild. They like lunatics.
• 28:36
  They, they, they shout like whoever could yell louder was
• 28:40
  dawining better. Like that's their mentality.
• 28:42
  And it's just the wildest thing. It was such a shock for me when
• 28:45
  I saw it the first time. I'm like, what is happening
• 28:47
  around here? Like, what's going on?
• 28:49
  I had no idea. And apparently that's their
• 28:51
  thing. Yeah.
• 28:52
  Why didn't break that? What's behind?
• 28:54
  Belt and they're breaking through.
• 28:56
  That's what it. Is it's like when somebody when
• 29:00
  the kid is crying to his father so they're and it just brings
• 29:05
  the whole goof than the shaman fully engulfed in the in the
• 29:09
  avening. You know they say the squeakiest
• 29:10
  wheel right gets the most attention, right?
• 29:12
  So that's like a yeah idea. That concept.
• 29:14
  They want their father to listen.
• 29:16
  But he's not in bad. I tell my kids, the more louder
• 29:18
  you yell the lesson, listen, that's my that's my model, you
• 29:22
  know, and also usually the loudest person is usually not
• 29:25
  the correct person, right? Whoever's screaming the loudest.
• 29:27
  So I don't know about this whole in a different theory that they
• 29:30
  have. In a different in a different
• 29:31
  context, the loud guy that that's making a Rook hey,
• 29:35
  here's. For their own, I'm not going to
• 29:36
  judge, but look. I mean, the baseball stadium,
• 29:38
  the loudest guy who cheers on is the best, right?
• 29:40
  So I'm saying. Oh, oh, he didn't have the
• 29:42
  questions when you went to the Yankee game.
• 29:44
  And Michael has gone to lots of games.
• 29:47
  He's not aware. That's not how it works.
• 29:49
  It's collectively all the people.
• 29:51
  But there's someone leaving and they bring the house down
• 29:53
  because all the fans are into insurance.
• 29:55
  That one person that's that's screaming so loud that the
• 29:58
  building is shaking. The whole entire show.
• 30:01
  But what I'm saying is that everybody in that stadium, I'm a
• 30:04
  Yankee fan, I'm Stoltz to vote for my to go for my Yankee.
• 30:08
  I'm Stoltz with the man right the stolen husted.
• 30:12
  He is Stoltz to scream and he couldn't care less with the with
• 30:16
  the guy right outside walking by, he's like, these guys are
• 30:19
  nuts. He is proud.
• 30:21
  He's in his element, he's comfortable.
• 30:22
  And, and this is because this is what I do, I learned on this and
• 30:26
  the division of Husted has a turn around hat.
• 30:28
  They all have turned around. Their hats are turned around, or
• 30:30
  for them, it's straight. Right.
• 30:31
  What does that mean? Turned around.
• 30:33
  The meaning the band is usually on the.
• 30:34
  Left side, the bow is on the bow opposite side.
• 30:36
  It's on the opposite side as everybody else, yeah.
• 30:38
  Because they want to be different.
• 30:39
  They want to stand out. They not, they want.
• 30:41
  That's their thing, OK? They're not standing out.
• 30:43
  They're doing their thing. And what I'm saying is when we
• 30:46
  decide that we're doing our thing, this is where I'm
• 30:50
  spending money on. Because you spend 2000 a week on
• 30:53
  groceries. Yeah.
• 30:55
  Right. The other guy, he saves money
• 30:57
  because every circus he goes on vacation with his family, right?
• 31:00
  That's his thing. And he spends 1000 and goes to
• 31:03
  507, fifty, whatever. It's everybody deciding this is
• 31:07
  what I want to do. Some families, they are big into
• 31:10
  therapy. Some families they're big into
• 31:12
  into into teaching their kids, you know, music lessons and they
• 31:16
  all different skills. Whatever they can, they're
• 31:18
  excited. That's what they spend.
• 31:19
  Their money. Yeah, I, I gave a speech in, in
• 31:22
  a big hill here in, in Muncie. And one guy got up and he's
• 31:25
  like, I come to, I come to Questera and everybody's
• 31:31
  dressed. Lillian Todd Bluebell, the whole
• 31:35
  like from top to bottom, every kids in a three $400.00 outfit.
• 31:38
  Like it's like, and he's like, what should I tell my wife?
• 31:43
  How, how can I tell her? No.
• 31:45
  And you know, you would think right away how to talk to her
• 31:49
  about it and how to tell her and how to do this.
• 31:51
  And maybe you take a show to, and I said, you know what, You
• 31:54
  can't tell your wife no, you need to give it to her because
• 31:58
  you never discussed money with her.
• 32:00
  And the same way you covered your Amex bill last month,
• 32:03
  you'll cover it this month. And in her mind, you're going to
• 32:05
  cover it next month. How you're going to do it, how
• 32:07
  you're going to swing it, It's none of her business.
• 32:09
  She's dressing the kids and she's doing a great job and she
• 32:13
  feels that she's Taco showing up and you daddy coming with the
• 32:17
  kids. You feel like a you feel like a
• 32:18
  mint. You're coming with your with
• 32:20
  your princesses, your Prince friends or whatever.
• 32:22
  You're coming with the other with the the fish guys, right?
• 32:25
  But if you if you sat down with your wife and you had a husband
• 32:29
  and not because we're going to we're not going to buy and but
• 32:32
  we're going to decide how much money we're going to spend for
• 32:34
  Yonteth spend. Yonteth's going to cost us
• 32:36
  $10,000 for the whole pay suck season or sucka is going to cost
• 32:40
  us 5 grand or whatever, whatever the season's going to cost us.
• 32:43
  That's what we decided. There's annual expenses, there's
• 32:45
  monthly expenses, there's needs, there's ones, there's savings,
• 32:48
  there's and there's so much that goes into that.
• 32:50
  How much what does needs mean for me?
• 32:52
  What does needs mean for ushi needs mean for me.
• 32:56
  I need to schwitz every every week, once a week.
• 32:59
  I'm I'm joking, but like, let's say that's a need for me for for
• 33:02
  somebody else. He needs, he needs a cigar every
• 33:05
  night to chill and, and, and you learn that and, and a woman, you
• 33:09
  never know what's a need for her and you never know what to want
• 33:11
  for her. And you have that conversation
• 33:13
  and you have that conversation after the needs are met.
• 33:16
  And needs are usually not by me nails down every three times a
• 33:21
  week. That's a need.
• 33:22
  Obviously we know food, shelter, there's there's a structure to
• 33:26
  what needs are and then and and tuition on top of the list.
• 33:30
  I'm hearing three different things from you so far as the
• 33:33
  recipe for coaching someone. I'm hearing three things.
• 33:37
  The first financial success. For financial success to really
• 33:39
  set someone up that they can have.
• 33:41
  There's not a sales pitch for financial coaching, even though
• 33:43
  I believe that every person should go to financial coaching.
• 33:45
  Yeah, like you said, I'm always, I'm always listening.
• 33:47
  Yeah, there's no downside. There's only upside here.
• 33:50
  But number one, you got to have good communication with your
• 33:53
  spouse. And a lot of people feel, and
• 33:55
  I'm myself included, I feel like finances is my job, myself
• 33:58
  included. And I don't want my wife to have
• 34:00
  to be busy with it, worry about it, think about it.
• 34:02
  You know, it's my problem. And that necessarily isn't the
• 34:05
  right approach because if that's the case, then she's going to
• 34:08
  think everything is OK, could do whatever I want.
• 34:11
  And sometimes, you know, I look twice and I'm like, whoa, you
• 34:14
  did this, you did that. But now that I'm thinking about
• 34:16
  it and I'm hearing you speak and realizing, wow, why shouldn't
• 34:19
  she think that way? She's not.
• 34:21
  She has no insight into what's really going on.
• 34:24
  So having communication as a family, your unit, you guys are
• 34:28
  working together and if you wanted to be a part of the
• 34:31
  solution, you got included in what the problem is as well.
• 34:33
  So you got to communicate, right?
• 34:35
  That's the first thing. Communication is key.
• 34:37
  And it doesn't mean that she needs to know every single thing
• 34:40
  that's going on in your business as to pressure her.
• 34:42
  People have very hard time building up a business.
• 34:45
  So, yeah, you can bring her in on to what's going on in your
• 34:47
  life, right? She'll be more patient.
• 34:48
  Be more patient. Yeah, more understanding helps.
• 34:51
  Yeah, how many women I'll do babysitting for until we get
• 34:54
  together? I'll, I'll do a little business
• 34:57
  on the side or whatever. I would say #1 very, very
• 34:59
  essential is communication #2 what I heard from you is that
• 35:04
  you have to teach people to grow comfortable in their own skin
• 35:08
  and understand that this isn't a competition, right?
• 35:11
  This isn't about, you know what you got to ask yourself what
• 35:14
  makes you happy? What are some of those things in
• 35:15
  your life that you want that are important to you and that's what
• 35:18
  you got to focus on. Like for example, if somebody
• 35:20
  has a paid off house and they're driving a Toyota Camry, they're
• 35:23
  probably in better shape than the guy than the guy who's
• 35:28
  struggling to pay his mortgage but is driving a Range Rover, is
• 35:30
  driving an Escalade. He's driving at an expensive
• 35:33
  vehicle vehicle. You might be sleeping better at
• 35:34
  night than that person. Is 100% is sleeping.
• 35:36
  Better you gotta teach the people.
• 35:38
  Even if you could afford the mortgage payments correct, Just
• 35:40
  the fact having a paid off house, yeah, there's a
• 35:43
  psychological element to yeah, it's a paid off and your wife on
• 35:48
  top of everything. Wife needs a security, a woman
• 35:51
  knowing that I'm in a paid home house.
• 35:53
  That house has shown something happens next year or something
• 35:55
  happens in two years or in five years.
• 35:57
  It's a paid off home, right? There's a, there's a, there's a
• 35:59
  Manuka sanifier. So people don't like we need to
• 36:02
  remember this the keyword of RSK.
• 36:05
  If like I wanted to make a a like, what's my like the mission
• 36:08
  like kid, the mission is financial success, success,
• 36:11
  financial stability, whatever. But Manuka sanifesh, Manuka
• 36:15
  sanifesh. Peace of Mind.
• 36:18
  Your tagline? Peace of Mind.
• 36:19
  That would be the tagline, Yeah, Peace of Mind and Peace of Mind
• 36:23
  is. So it, it, it, you know, the
• 36:25
  Peace of Mind doesn't come from the, from the Hava Java's every
• 36:28
  day and doesn't come from the, from the Nordstroms every day.
• 36:31
  Have a Java rock'n'roll, right? Yeah.
• 36:33
  But we can choose when to buy and when not to buy.
• 36:35
  And we could choose. Yeah.
• 36:37
  All right. The third thing I heard, the
• 36:39
  third thing I'm hearing is that it takes planning.
• 36:42
  It takes having real time information about what it is
• 36:47
  you're spending your money on, where it's going and where you
• 36:50
  really want to allocate that money towards.
• 36:51
  Which means that you really do have to create a spreadsheet.
• 36:54
  You got to put all that information on there.
• 36:57
  You got to get educated. You got to be, you know,
• 36:59
  intelligent as to what's really happening in your life because
• 37:02
  it's not going to happen on its own.
• 37:03
  And you know, in the absence of organization is chaos, That's
• 37:06
  what's going to happen. So you're it's really just
• 37:09
  something that's inevitable if you don't truly know what's
• 37:12
  going on and what's what's happening with your with your
• 37:14
  spending. You know, my solution always, my
• 37:16
  whole life, my whole life has always been just make more
• 37:20
  money, just make more money. Like, OK, I'm, I'm seeing, I'm
• 37:23
  struggling now. Oh, things are getting tight.
• 37:25
  I, I definitely can't give up what my lifestyle is.
• 37:27
  I'm not going to downgrade. You know, we've been taught
• 37:30
  always growing up, you got to upgrade, right?
• 37:32
  So what's the solution? The solution is just just make
• 37:34
  more money. Well, it isn't always easy to
• 37:36
  just make more money. That's very difficult,
• 37:38
  especially if you're working for someone.
• 37:40
  If you're an employee, you don't get raises every three months,
• 37:43
  you know, so it's not easy, just make money.
• 37:44
  You can't have a second job and a third job.
• 37:47
  So what do you do you know, and people get depressed about it,
• 37:50
  people and such a affecting the rest of your life.
• 37:52
  It starts affecting your wife, your kids.
• 37:54
  The fact is, I don't know if this is I'm saying the fact is I
• 37:57
  don't know for sure if it's a fact.
• 37:58
  I'm very confident though, that if you Google Stefan, maybe you
• 38:02
  can look into this Stefan, if you Google the number one reason
• 38:06
  for divorce is my natural distress.
• 38:08
  It makes sense the. Therapists tell us, I don't know
• 38:10
  what you did with this couple. They're biased.
• 38:12
  For two years you had six sessions and it's a different
• 38:16
  family every day of the week. I get these calls every single
• 38:19
  day. I believe it because at the end
• 38:21
  of the day, if you don't, if you can't make ends meet and you
• 38:23
  can't cover your bills, you start becoming internally a
• 38:26
  different person. You're having a lot of distress
• 38:28
  and it's in a turmoil to the point that you just can't
• 38:31
  function. You can't be that real beautiful
• 38:34
  self that you know you could, you can't be the best version of
• 38:37
  yourself if you're struggling. And what happens, the people
• 38:39
  around you, your inner circle immediately start feeling that
• 38:43
  stress with you. And then everybody gets affected
• 38:45
  by it and the whole house comes down, no pun intended.
• 38:47
  Literally the whole house just comes down and it's, it's got to
• 38:51
  be a big, big problem that's being that's rampant.
• 38:54
  I, I imagine this is all over the place.
• 38:56
  And for a long time, a lot of these people didn't have who to
• 38:59
  turn to. They didn't have where to go and
• 39:01
  they were suffering alone because they didn't have,
• 39:04
  they're not on programs, they don't have food stamps, they
• 39:07
  don't have Medicaid, right? They don't have a lot of these,
• 39:09
  you know, the flexibilities that the poor people have that at
• 39:13
  least their main things in like, God forbid, a family, middle
• 39:17
  class family that they can't pay their insurance bill that month.
• 39:19
  They're not going to get insurance.
• 39:20
  They don't have insurance. And they also can't get help
• 39:22
  because they make too much money on the books.
• 39:24
  They make too much, they're getting their salaries too much.
• 39:27
  So it it becomes just a spiral and they're never going to own
• 39:30
  up to it. Everybody's got pride.
• 39:32
  We all got that pride. And they're donating.
• 39:35
  And they're still giving those donations, don't they?
• 39:37
  They're the ones giving 100 bucks a month or whatever.
• 39:39
  And when they and when they give a close, they're going to give
• 39:41
  180 a month, right? They're donating.
• 39:43
  And these people are are because our lifestyle, we need to be so
• 39:47
  much better at money because Jewish lifestyle like Dave
• 39:51
  Ramsey always says beans and barley.
• 39:54
  We can't go on beans and barley. We need to have what to feed our
• 39:59
  family. Yeah, we need to have for to
• 40:02
  feed our family. We need to have for Shabbos, we
• 40:03
  need to have for Yom Tov and we need to have for tuition and for
• 40:07
  tuition. And by the way, for the people
• 40:08
  on tuition, I just want to say on on tuition, we had this
• 40:11
  conversation in the past and I know tuition always comes up.
• 40:15
  People always tell me Shabbos is not included.
• 40:18
  Spend as much as I want the same tour that says Shabbos is.
• 40:22
  You could spend as much as you want the same tour.
• 40:25
  Spending money on your children's tuition Hashem pays
• 40:28
  back So for all the people paying tuition by me it's my
• 40:33
  first it's it's my first line item your tuition for your
• 40:36
  children and you have extra when you're paying tuition Hashem is
• 40:40
  directly the Shulias and doing the the you know directly
• 40:44
  involved with the and because of all these major expenses that
• 40:49
  that we have a family of kids two $3000 a month on tuition
• 40:54
  23456000 dollars a month for somebody who has it was up to
• 40:59
  seminary or have. Four or five kids.
• 41:01
  And tutors and this tutor and that tutor and all the extra
• 41:04
  help that we need because of like we spoke about, we're gonna
• 41:07
  mention and become a more AD friendly community.
• 41:09
  But all this stuff going on, there's so much expenses that
• 41:13
  are happening. We need to be smarter and not
• 41:15
  smarter. 20 years in, Smarter Day one, you're incredible.
• 41:20
  Understand how much money you're making and understand how much
• 41:22
  money from father helping to children receiving.
• 41:26
  It shouldn't be. I just use my credit card.
• 41:28
  It should be how you're giving it every month, how much you're
• 41:32
  giving it and where you're depositing into.
• 41:35
  They should know the date and exact amount and let them make
• 41:39
  their own. Let them make choices.
• 41:40
  Exactly. Now that we know that this
• 41:43
  problem is around for a long time, but now it's, you know, I
• 41:47
  think in today's world, maybe in the last 20-30 years, we're
• 41:50
  starting to become more a lot of awareness.
• 41:53
  We're starting to be a lot more honest with ourselves and
• 41:55
  dealing with problems and not just letting it fester or not
• 41:58
  letting it just, you know, escalate and get worse and
• 42:00
  worse. And now that we know this
• 42:01
  problem exists in our communities at large, give me
• 42:07
  exactly what it is that RSK is doing to tackle this.
• 42:10
  So I know you have the financial coaching, which is you want to
• 42:12
  show people how to get out of this situation, right?
• 42:14
  It's not necessarily that you're not making enough money.
• 42:16
  You are making enough money. But there are some other
• 42:19
  problems. Let me show you.
• 42:20
  Let me teach you. And you have professionals that
• 42:22
  are counseling people at no charge.
• 42:24
  You don't charge for this. Anybody who needs you do charge.
• 42:26
  You do charge for this. We're Republican organization.
• 42:29
  Listen, I'm a big capitalist. I believe that the only way the
• 42:31
  world actually, you know, revolves and goes around is
• 42:34
  when, when people can turn a profit.
• 42:36
  And that's when you get the best of the best Creme.
• 42:39
  A la Creme is when there's something at stake.
• 42:41
  But you guys, I'm assuming you help people.
• 42:43
  We charge for this type of program.
• 42:46
  Yes, we charge money and I'm going to say it again, we charge
• 42:49
  money for the program. We're a non for profit.
• 42:55
  Our bottom line is impact. It's not.
• 42:56
  Will you? Defer their payments because
• 42:58
  they're obviously in debt. If they're coming to you, they
• 43:00
  can't pay you at the moment or do they need to start paying
• 43:02
  you? We.
• 43:02
  Give a payment plan meaning they give a payment plan meaning we
• 43:05
  let them break it into three payments.
• 43:06
  What if somebody absolutely needs this but doesn't have
• 43:09
  money to give? You no such, no help them no
• 43:11
  such thing. We give a scholarship.
• 43:13
  We do have scholarships. So for the right.
• 43:16
  Client, we do have a scholarship.
• 43:17
  We don't advertise it. We just did.
• 43:20
  We don't. We don't want that to be the
• 43:21
  norm. We want people paying right and
• 43:24
  we want people. Everybody can afford it.
• 43:27
  If you need 100 bucks, it's 150 a session, right?
• 43:30
  It's it's $900.00 for six sessions.
• 43:32
  It's 150 a session. It's it's a $300 value.
• 43:37
  But we figured 150 is a comfortable.
• 43:41
  It's not too much. It's not too little.
• 43:43
  We can pay the coaches because the coaches get paid.
• 43:45
  Even people could afford it and you know, whatever numerous
• 43:51
  coaches that I can give shout outs to, but they can afford it
• 43:54
  and they're doing it and but they get paid because they have
• 43:56
  a responsibility to the client. They need to be there on time.
• 43:59
  Yeah, they're giving up a lot of their.
• 44:00
  Precious time and for this and they they look at it like a
• 44:03
  client and they have an ascivus they they're good to to the
• 44:06
  anybody that I push through the door to give it for free didn't
• 44:11
  come back after the first session right any.
• 44:13
  Person I happen to respect that a lot.
• 44:15
  I get that a lot in giving people jobs.
• 44:17
  The people that just go to Microsoft Word and they can help
• 44:20
  someone can help them get a resume, versus the people that
• 44:23
  pay $200 for someone professional to help them build
• 44:25
  their resume and they go through the process of meeting and they
• 44:28
  take it more seriously. So I respect that process.
• 44:30
  I'm just curious then, what are your expenses?
• 44:32
  Our expenses, the overhead to run such a program, to run 30
• 44:38
  coaches, all different locations, offices, office
• 44:42
  staff. For the management of the whole.
• 44:43
  System, the management of the system, it's got it really.
• 44:46
  It's a $300 session are. You comfortable sharing your
• 44:50
  budget? What's what?
• 44:51
  Sure, We have a two and a half million dollar budget.
• 44:53
  Wow. Yeah, and and.
• 44:55
  That's not just for the coaches. That includes no.
• 44:57
  Just for the coaches. Just for the coach of the
• 44:59
  program. Program.
• 45:01
  Now there's income. There's income but so beer bones
• 45:04
  is 1.5 like beer bones and. It's that's with your office,
• 45:09
  that's with the coach, yeah, the people, the resources, pools,
• 45:12
  everything is one point. Five, I do not.
• 45:14
  I make sure that the back end support that every person, that
• 45:18
  every session, the person's having the back end that's going
• 45:21
  into this is incredible. Professional I I I could
• 45:24
  literally flip. This into a for profit company
• 45:26
  today. A house with someone would never
• 45:29
  do that because I'm passion driven and I'm mission driven,
• 45:35
  however, however you want to slice it, but that I'm here for
• 45:39
  the cause and there's behind it and there's, you know, whatever.
• 45:44
  But but the bottom line is the the back end support that goes
• 45:49
  in to every coach being able to utilize every hour that he can.
• 45:54
  We have down the block 777 right, our office building by
• 45:56
  747. So by 777 Chestnut Ridge you
• 45:59
  have young a Yankee Hammer and Mushi Wexler.
• 46:01
  They have an office, the whole thing over there on the top
• 46:05
  floor and they gave us an office.
• 46:08
  And my feel Herschler, he's he's a coach over there.
• 46:13
  I think in, in, in the therapy world, you're supposed to see
• 46:16
  about 27 to 30 coaches 202525 sessions a week, right?
• 46:23
  25 families a week is like is like really Max?
• 46:27
  This guy sees 32 clients a week. That's how jam packed he is.
• 46:32
  Wow, he does full time. Full time, 32 clients and he
• 46:36
  needs supervision, he needs to de, he needs to decompress.
• 46:40
  He needs to decompress too. And he's going and he goes for
• 46:43
  ongoing education. Yeah.
• 46:45
  And he takes his hikes. He makes sure to, you know, be
• 46:47
  be in the mindset. But our coaches and and the
• 46:51
  coaches in Lakewood, like the coaches in Brooklyn, these guys
• 46:54
  are full on board full time and they are.
• 46:58
  And the amount that goes into that, the software, the
• 47:01
  education, who? Hired all these people you were
• 47:04
  in the beginning. How did it grow to become so
• 47:06
  big? It sounds like you're running a
• 47:08
  pretty big organization now. So.
• 47:10
  Did you found this entirely on your own?
• 47:12
  I found this and the meals to meaning.
• 47:18
  Is that still a thing? Do you still do the meals also
• 47:20
  anymore? So this is strictly just
• 47:22
  financial. Culture OK is financial success,
• 47:26
  that's what we. I mean, what did you last year
• 47:28
  run a program where you were giving people before Yom Tov?
• 47:32
  We didn't know so. This now, so this in the grocery
• 47:34
  stores. I'm still, I'm still drained
• 47:36
  from Pesach. It takes a big toll on us, yes.
• 47:42
  I couldn't give it up, but I took it out of RSK.
• 47:45
  It's PSI. It's a new organization, it's
• 47:47
  called PSI Pays up some case initiative together with.
• 47:51
  The gifts, but a little bit ancillary money right before the
• 47:55
  bigger holidays, yes. So this way, but the reason why
• 47:58
  I took it out of RSK because RSK is not a seductor.
• 48:01
  I mean it's the highest form of seductor like the realm says the
• 48:05
  highest form of seductors helping a person to stand on his
• 48:08
  own 2 feet, right? But I took it out.
• 48:11
  PSI is a separate organization. The reason for it is that I want
• 48:17
  Ushi Schwartz coming to financial coaching and every
• 48:21
  person in your show, every friend and family that you know
• 48:24
  should be coming. To financial, I want you to know
• 48:26
  that I am very fortunate that I have a very, very close friend,
• 48:30
  Michael too, who's the ultimate financial coach, the best friend
• 48:35
  he can, he can give a class to the financial.
• 48:39
  Coaches. Who's that?
• 48:40
  He's that good. I'm not going to share his name
• 48:41
  on on on the podcast. He should become a coach.
• 48:44
  Or he should come. We can talk afterwards.
• 48:46
  I definitely recommend. Yeah, we're.
• 48:47
  Definitely gonna recommend him. Yeah.
• 48:48
  But he, he he helps you. He's involved with me and my
• 48:51
  finances forever, ever since I'm single before I even got
• 48:55
  married. And he's very savvy.
• 48:58
  He he's, he's really good with money, so.
• 49:01
  We're, but you still need to bring you.
• 49:02
  But I, my wife is on the board. My wife knows she's involved as
• 49:06
  well. But I could tell you that I
• 49:08
  relate to this concept of getting financial culture
• 49:11
  because I don't care who you are, how much money you have,
• 49:14
  you can always do better. You can always do better.
• 49:16
  And you know what if I have, you know, $50 million in the bank,
• 49:20
  you know, I hear it doesn't, doesn't really matter at that
• 49:22
  point. No, but nobody has that.
• 49:24
  It matters. It matters to the point of
• 49:26
  financial health People can use money as a drug.
• 49:29
  Yeah OK and that's a lot of what I didn't touch into today and
• 49:34
  also the finance the income enhancement is another part
• 49:37
  because a person doesn't when when when your employee will go
• 49:41
  to financial coaching. He's gonna he what can I do
• 49:44
  more. I have I need to make another
• 49:46
  $50,000 this year. I need to take another 30 grand
• 49:48
  not I had a baby. I need, I need to make more
• 49:50
  money, No? So I'm having.
• 49:52
  What? What more value?
• 49:54
  No. What more value can I bring to
• 49:56
  the table that you can pay me more, right?
• 50:00
  That's the conversation and the income enhancement and also the
• 50:03
  money as a drug. Howard Schultz, when he makes a
• 50:05
  coffee, he owns all the coffee beans in the world.
• 50:09
  Most of it. When he makes a coffee in the
• 50:12
  morning, he doesn't fill up a cup and he puts coffee beans
• 50:17
  till here and water and a little water and sugar.
• 50:23
  But he has all the coffee in the world.
• 50:24
  Why not? Because he should do that.
• 50:26
  He could. He's an idiot if he does.
• 50:28
  He'll be He's like that. Billionaire you hear about that
• 50:30
  rides his bike to the office, but they say.
• 50:32
  That's why they're billionaires. No, no, no.
• 50:33
  That's not why they're billionaires.
• 50:34
  That's absolutely ridiculous. That's a sickness.
• 50:36
  It's a disease. When somebody but he can be
• 50:38
  healthy, that's being frugal, OK, That is somebody just.
• 50:41
  Being maybe he's doing that just for health.
• 50:43
  Nah, please, I don't. Know, by the way, that touches
• 50:45
  upon the fourth thing that I want to add to what you were
• 50:47
  saying earlier, those three points.
• 50:49
  The fourth thing I would say, and you touched upon it a little
• 50:51
  bit and it's just I'm thinking about it more and more and I'm
• 50:53
  loving this, by the way. I'm just like, you know, I'm
• 50:55
  thinking, yeah, you're, I'm taking it all in.
• 50:57
  I'm appreciating this conversation more than than you
• 50:59
  can ever imagine, especially for the story that I'm about to tell
• 51:02
  you. The fourth thing is owning it.
• 51:04
  Meaning like this is how he runs his coffee.
• 51:06
  No one's going to tell him how to do it otherwise.
• 51:08
  And this is what makes him happy.
• 51:10
  And he's managing his lifestyle the way he needs to manage it.
• 51:13
  So the idea of owning something. Don't excuse yourself to others.
• 51:16
  Even though he can. Exactly.
• 51:18
  He can. The owner of Golden Floor could
• 51:19
  chug down a bottle milk every day, but he's going to turn
• 51:21
  white, right? Right.
• 51:23
  What was your story? So a bunch of years ago, I would
• 51:26
  say it's probably 6-7 years ago, I was making a bar mitzvah and
• 51:31
  the people listening to this are gonna start laughing already
• 51:33
  because they know what's. Going on, I know this story.
• 51:35
  It's a good one, and it's right in line with our conversation.
• 51:37
  So I went to the caterer and I was like, look, you know, the
• 51:40
  last bar mitzvah I made was my second bar mitzvah.
• 51:43
  Last bar mitzvah I made cost me $25,000 and it was in the shul
• 51:48
  and I did it on Chavez. And by the way, another thing
• 51:50
  that I've owned already at that point is I'm not making up by
• 51:53
  mitzvah during the week. I'm just making one on Shabbos,
• 51:55
  saving, what, $40,000 probably, right?
• 51:57
  Would you agree? Even more, I don't know where
• 51:59
  $40,000 gets into making up by mitzvah 40 grand.
• 52:03
  Like, Oh my gosh. So you're agreeing that it made
• 52:05
  sense for me to do something like that?
• 52:06
  Right. For Shabbos, Yeah, for sure.
• 52:07
  So. OK, so I broke the mold.
• 52:09
  I did. I honestly I did.
• 52:10
  I did it in my shul for a reason.
• 52:12
  I wanted to break the mold. Break it and we and by the way,
• 52:14
  we should challenge everybody to be breaking the mold for after
• 52:18
  here we should be. We should be.
• 52:20
  Ask yourself, what can I do? What can be?
• 52:23
  Breaking the mold. You're breaking the mold enough
• 52:26
  as we, I don't know, deal with that.
• 52:27
  I don't know if everyone should. Enough is enough is enough.
• 52:30
  I don't know if everyone should do this, but but this is the way
• 52:32
  I broke the mold even further. So my first bar mitzvah Shabbos
• 52:35
  only I'm not interested in doing during the week 25 grand.
• 52:38
  And by the way, I took my kid to Israel and I said to my kid,
• 52:41
  instead of spending 40 or plus $1000, I'll spend 34000.
• 52:45
  Let's go to Israel. And do something more, meaning.
• 52:47
  Much more meaningful, lasts a lifetime.
• 52:49
  Part of breaking the mold. That would be my message to
• 52:51
  anyone making a bar mitzvah, Shabbos bar mitzvah, only use
• 52:54
  some money to take your kid and do something meaningful.
• 52:57
  So that was the thing that I did then.
• 52:58
  But my second kid bar mitzvah came and I'm like, you know,
• 53:01
  what happened the first time I spent a lot of money, $25,000
• 53:04
  for Shabbos. I would say 70% of the people
• 53:06
  that came, I didn't even really know who they were.
• 53:09
  And I was like, you know, I'm paying for everyone in the shul
• 53:11
  that I'm making and it's OK. You know, back then I was in a
• 53:13
  much larger shul. So and that was my Shabbos shul,
• 53:16
  you know the type, you know, you have, you're during the week in
• 53:18
  Shabbos. So here's what I'm going to do.
• 53:20
  I'm going to take less than that and I'm going to go and spend
• 53:24
  the weekend in a hotel. And the only thing I'm going to
• 53:27
  do different is I'm going to tell all my guests that they
• 53:30
  have to pay for their hotel stay.
• 53:33
  And before I did it, I called a few friends of mine.
• 53:35
  I said, what do you think about this idea?
• 53:37
  Their answer to me was, it's so crazy, but you're the only one
• 53:40
  that can make it work. And the fact is, I made it work.
• 53:43
  And we had the most beautiful Shabbos.
• 53:44
  I made it for 23 and a half, $1000, which was less than my
• 53:48
  previous bar mitzvah. Everyone had a great time.
• 53:50
  And yes, they paid for their hotel room.
• 53:52
  Big deal. I paid for the food, they paid
• 53:54
  for their hotel room. Fantastic.
• 53:57
  I just vomited in my mouth. I think it's gross.
• 53:59
  I. Owned it, I'm sorry I was the
• 54:01
  4th. I'm happy.
• 54:02
  You did own it. I know that I know.
• 54:03
  I recommend it. But I I'm sorry, if you're going
• 54:06
  to be making a bar mitzvah at a hotel, the expectation is that
• 54:10
  you're also paying for the guest rooms and you can't afford to
• 54:13
  pay for the guest room. You just nailed it.
• 54:14
  You don't make it, but I'm expecting a hotel.
• 54:16
  Then you make it in your Shoal, but the bottom you're going.
• 54:18
  To break the mold and the next bar mitzvah 10 grand lock, stock
• 54:23
  and barrel. OK.
• 54:24
  Yes, that's for sure. Possible, that's for sure.
• 54:26
  I mean, that's including. For a shop, we're not talking
• 54:28
  about a hotel. What hotel?
• 54:30
  Who? Who's the a guy making 250 Cam?
• 54:33
  A guy making 350 can't make a shop as in hotel.
• 54:35
  Correct. It's not shy of yeah even a guy
• 54:37
  making a half $1,000,000 and the family of kids he cannot afford
• 54:43
  a shop as in hotel he what's the issue with everything included
• 54:49
  $10,000 for bar mitzvah. I mean, or what do we do, you
• 54:52
  know? The average amount of income,
• 54:56
  the people that are in your network, that you're coaching,
• 54:59
  clients of yours, do you know the average number that between
• 55:02
  all of them, what that number is that people are making that
• 55:04
  income that are using your services?
• 55:07
  You better have the answer to this.
• 55:08
  Probably I mean a young couples coming in at 75 at 100 but with
• 55:15
  no kids. Even so, you're blended.
• 55:16
  You're average. It's a it's, it's the sweet spot
• 55:21
  is probably 1:50 to 350 or even 150 to 500.
• 55:31
  That's a bit of a wide range, but you're saying?
• 55:33
  That's why you couldn't answer before.
• 55:34
  The class, it's very hard. It's very hard to answer, but
• 55:37
  yeah. But you have a percentage of
• 55:39
  your clients is more than 300. 1:50 to 350 is our is our sweet
• 55:45
  spot, 1:50 to 3:50 but more and more are coming in high net like
• 55:50
  higher like 500 and up. Very relevant to this a.
• 55:52
  Lot of people are coming in like.
• 55:54
  That very relevant to this question is when is the sweet
• 55:56
  spot as far as a timing is concerned, when someone should
• 55:59
  come and get financial coaching. Of course, you could say, yeah,
• 56:02
  when you're a young couple, that's fine.
• 56:04
  But when you know really what you want, like I'm thinking in
• 56:07
  my head, after you have two kids and you live in a home, that
• 56:10
  would be a time where you raise the flag and the community.
• 56:13
  Community should be a weird go get financial coaching.
• 56:15
  Many, many people are coming in right at like two or three.
• 56:20
  It's like two or three kids. Yeah.
• 56:22
  And they just closed. They just, they just bought
• 56:24
  their house and the, and the it's, it's a Himalaya because
• 56:29
  you know what's going on. But that's the sweet spot,
• 56:32
  meaning the 20 to 30 year olds, 20 to 30 year.
• 56:35
  Olds What's the average time a family will be using your
• 56:38
  service? Six months, three to six months?
• 56:41
  And after six months, they typically graduate in better
• 56:44
  position than they were before. People coming in, doubling their
• 56:49
  income, people coming in. I just never knew how much I
• 56:52
  need to be making. I always thought I was good.
• 56:55
  Paying double their income, they suddenly are making more money.
• 56:57
  They're or they spending less money.
• 57:00
  I'm not talking. When you say making money, you
• 57:02
  meant we. Don't focus on, on on expenses.
• 57:05
  It comes, it comes like second nature not to become stingy, but
• 57:11
  just to be to, to be responsible with, with your money.
• 57:14
  So I we don't even look at like people think we're like the
• 57:17
  money. Please, we don't look at what
• 57:19
  you're spending is. We look at what's your income
• 57:20
  and what's you're spending and what do you left that left off
• 57:24
  with. That's financial stability that
• 57:26
  you have that you have. That's an equation.
• 57:28
  What do you do to actually execute for them?
• 57:30
  Because now they have to learn not to spend $1000 at the
• 57:34
  grocery, spend $900, right? You got to do something in order
• 57:36
  to make up that difference. What are you doing to actually
• 57:38
  train them that way? How do you not police them a
• 57:41
  little bit? You got to build.
• 57:42
  We're going to. Guide them.
• 57:43
  We're going to be guiding them because, because, because to
• 57:45
  this family, it's $900 in the grocery.
• 57:47
  To this family, you know, guy came in, he's making $25,000 a
• 57:52
  month. You know what, I'll give you
• 57:56
  more tangible This guy has two kids, he's making $18,000 and
• 58:02
  he's not making it. Does that make any sense 18?
• 58:05
  Thousand a month. 18,000 a month, just him two kids does
• 58:08
  his wife work. They're they're combined and
• 58:12
  combined their their income was 1818 thousand.
• 58:16
  So I don't remember. They're gonna make a little over
• 58:17
  200,000 a year. It's beautiful.
• 58:19
  With two kids, they own a house. I'm talking about a three-year
• 58:24
  old and a one year old. So they're in an apartment.
• 58:25
  They still live in an apartment. Interesting.
• 58:28
  He's he. I can't breathe.
• 58:30
  Wow, what's going on in the same sentence?
• 58:34
  The guy has a $1500 a month car payment and I'm thinking to
• 58:40
  myself both. Cars combined or one car?
• 58:42
  One car. One car 15. 100 I'm like what?
• 58:45
  No, no, But that's a lot. Come on.
• 58:47
  Oh. With insurance, that's very
• 58:48
  glaring, yeah. But that whoa, you're
• 58:50
  overspending. That's glaring, but to so many
• 58:53
  people in their areas where they don't realize a lot of people
• 58:56
  meaning meaning you're going to talk about the the person with
• 58:58
  seven. Obviously there's a younger kid
• 59:00
  and they're having a good time and they're still, they're still
• 59:02
  being young. But but, but but an older, you
• 59:06
  know, somebody that's 35 with seven kids.
• 59:09
  It's not in the they have the Honda Odyssey and whatever the
• 59:14
  and, and but they're, they're they're because they don't have
• 59:18
  a management, a finger on the pulse of where their money's
• 59:21
  going. Sometimes it's not just the that
• 59:24
  big pay, stock expense or the big vacation.
• 59:28
  It's not an isolated. Incident.
• 59:29
  It's not an isolated incident. It's a, it's a, it's a habit.
• 59:31
  It's a habit. A trend, a pattern.
• 59:33
  Exactly. It's exactly what it is.
• 59:35
  But the income enhancement is a big piece of this and the coming
• 59:39
  together, spending differently. I was talking to a grocery
• 59:41
  owner, he said. You know, there's a difference
• 59:43
  between somebody who comes shopping in the beginning of the
• 59:45
  week for the week, or he comes in shopping on Thursday.
• 59:50
  They're spending habits. Yeah, yeah.
• 59:52
  Why? What's the spend more when you
• 59:53
  shop at the end of the week? Really.
• 59:54
  Yeah. Why is that?
• 59:55
  I don't know. It's like coming to a restaurant
• 59:57
  hungry. It's a good.
• 59:58
  Idea. Yeah, yeah, yeah.
• 59:59
  You're ready for Shabbos. You just want to buy.
• 1:00:00
  You want to buy. I want to buy when you're
• 1:00:01
  thinking about. It because Sunday you're doing
• 1:00:03
  more of an advanced shopping you're that guy came in with him
• 1:00:06
  he prepared with a shopping list Thursday, you know, usually and
• 1:00:09
  then just for shopping that thing that thing that.
• 1:00:11
  Thing I love this all. I think that, you know, breaking
• 1:00:14
  the mold is important. You know, I mentioned the story
• 1:00:16
  that I said about the hotel and I think our first or second
• 1:00:18
  episode I got so much slack for it.
• 1:00:20
  I love that you're here supporting this type of idea of
• 1:00:23
  breaking the mold and you know, shop once a month in bingo and
• 1:00:26
  get your, you know, groceries. They're just smarter spending
• 1:00:29
  habits and learning how to manage your spend properly so
• 1:00:33
  that you can have a better life. You know, I'm actually taking
• 1:00:36
  off soon to one of your favorite places in the world.
• 1:00:39
  Can you guess where I'm going? There you go.
• 1:00:42
  Look at that. So my flight leaves in three
• 1:00:45
  hours, so I have to leave in a few minutes but before I go.
• 1:00:47
  I am not going, I'm actually gonna be in my office working
• 1:00:51
  just so but. He's flying, somebody has the
• 1:00:53
  prater of Shiloh. So I just have to ask, I think
• 1:00:56
  you came from there or something from your background is with
• 1:00:59
  Shiloh from Christir and you know, there's a question that we
• 1:01:03
  started. You lived there, didn't you live
• 1:01:05
  there for a? While I lived in Belarus.
• 1:01:06
  Belarus. We need to hear about your
• 1:01:08
  background. I, I must hear about this.
• 1:01:10
  And there's one question that we started asking our guests and I
• 1:01:12
  really like it. And that is give us a story that
• 1:01:16
  a a embarrassing story, a a crazy story that helped mold you
• 1:01:20
  or that helped shape who you are today and help guide you.
• 1:01:23
  Or something you learn from that something that you.
• 1:01:25
  Could think of from your background your history as a kid
• 1:01:28
  or as even an adult. Just give us a few minutes of
• 1:01:31
  your background by doing that. So so first on how I got to
• 1:01:36
  Keras tears. So I was at 18 and you know, I
• 1:01:42
  was going to be going to either to the mirror or whatever.
• 1:01:46
  I went to Pence Belarus Stone has a, has an organization there
• 1:01:53
  called Yadi Israel and they run a massive operation there, care
• 1:01:57
  of orphanage, boys school, girls school, whatever.
• 1:02:00
  Yadi Saral, awesome place. Much of FEMA Bianco Steinman
• 1:02:05
  under the stalmer Eva and I went there for Pesach and just to for
• 1:02:10
  the Seder and, and there was a bunch of buck from there.
• 1:02:13
  And we were not much living, living life like like actually,
• 1:02:18
  you know, like I, I felt like, like, like, you know, the
• 1:02:20
  difference between between being there and like when you learn,
• 1:02:24
  when you learn you're this guy and you actually like a soldier
• 1:02:28
  for you, this guy, like you're actually practicing it.
• 1:02:30
  Like, like we, we had to put on Mazuza, some people's hands.
• 1:02:32
  We have to cash our kitchens. We have to help people make bar
• 1:02:34
  mitzvahs. Briston.
• 1:02:36
  I did it to Hara at 18. Like like what, what, because
• 1:02:40
  somebody who's nipped there and you just got to, we got to do
• 1:02:41
  what we got to do. So we, we did it and it was just
• 1:02:45
  a beautiful life. So I lived there and we helped
• 1:02:47
  out with the community. And then our off time, like what
• 1:02:50
  do we do in our off time? Went to Kiritzidikam and one day
• 1:02:55
  Yak Abdul with fish was there also and he took me to Karsteer
• 1:03:00
  and replying Leibish Rattenberg Rattenberg went for Shabbos.
• 1:03:04
  This was like 1819 years, yeah or something like yeah.
• 1:03:09
  And we went to, we went to Karsteer for, for Shabbos was, I
• 1:03:15
  think it was like one of the first Shabbos and whatever
• 1:03:17
  Rattenberg and, and I was very, very inspired by the whole, just
• 1:03:25
  the whole RIP Shiloh scene mission and, and, and all the
• 1:03:31
  stories and the whole, it was a very, very inspiring and very
• 1:03:34
  uplifting Shabbos. And I came back to Pinsk and
• 1:03:38
  we're like, OK, we're making a soup kitchen right here.
• 1:03:40
  And like, we're like anybody that would pass through it
• 1:03:42
  because Baron and gold was buried in Pinsk and Boschem.
• 1:03:44
  The son is buried in Pinsk and Mirad the village.
• 1:03:47
  And you know, so people come through Pins and we would help
• 1:03:51
  people over there. And then and then when I went
• 1:03:53
  back to, and then I went there to Soli Ishiba for, for a little
• 1:03:57
  bit after being there for like 3 1/2 years.
• 1:04:01
  And then I, when I came back to Muncie and I started working in
• 1:04:06
  business and whatever, I started the meal program and, and we
• 1:04:13
  gave out prepared meals through my father.
• 1:04:15
  He had the catering business and and he has and and we did like.
• 1:04:19
  Is he still doing this, your father?
• 1:04:21
  He still does all the schools, you know that his father, Mr.
• 1:04:25
  What's his first name? Aaron Gilbert.
• 1:04:26
  Aaron Gilbert. Aaron Gilbert was the notorious.
• 1:04:29
  I mean, he was one of the Trail Blazers in catering for schools.
• 1:04:33
  He was doing schools for the last 30, probably plus 40 years
• 1:04:37
  and he's still doing it till today.
• 1:04:39
  Unbelievable. Most schools in Muncie use his
• 1:04:42
  father for the catering. Is this commercial kitchen still
• 1:04:45
  by where Besraga was? Bisraaga, it was by Bisraja and
• 1:04:48
  then it's by Bisraja. It's.
• 1:04:51
  Let him know that there was just recently a new funding passed
• 1:04:53
  for private schools for food. Oh.
• 1:04:55
  Yeah, I'm sure. Get up.
• 1:04:57
  OK. He does senior meal programs.
• 1:04:59
  He does all the all the meals. Have always been in the food
• 1:05:02
  giving business. Food taking.
• 1:05:04
  Everything giving food and then we and then started the meals
• 1:05:09
  through there. And that's how I got involved in
• 1:05:12
  Shiloh. And look what molded me and
• 1:05:16
  what, you know, put me into this place and what embarrassing
• 1:05:20
  thing that I can learn from. I'll be honest, being a, you
• 1:05:26
  know, being in the ADD room, I feel at home.
• 1:05:28
  I'm not saying I'm ADD, but being in the in the, in the, in
• 1:05:32
  this space. Our whole life is like that.
• 1:05:36
  And can I tell you this story? Can I tell you that story?
• 1:05:40
  Can I tell you when I was when, you know, when I was in business
• 1:05:44
  and just showed up on the biggest distributor in this
• 1:05:47
  certain country and just showed up on him and he's like, yeah,
• 1:05:51
  they have an appointment. I was like, I thought I did and
• 1:05:53
  like we just hadn't got in there and we made a great deal and or
• 1:05:57
  is it when I when I went to for a job interview by actually, I
• 1:06:03
  give him a shout out. Keiko, I did a job interview by
• 1:06:06
  him. They were acquiring a new
• 1:06:08
  company and they wanted me to run the, the, the just drive
• 1:06:13
  with the with the wholesalers over there.
• 1:06:16
  And he was like, and he was telling me like what needs to be
• 1:06:18
  done to get the product and the shelf and get it at a certain
• 1:06:21
  the eyesight and got to do this and do that and knock that like
• 1:06:26
  it's a it's A and I was like, you got to, you know, work the
• 1:06:31
  system, work the work the program, not not in the battery
• 1:06:34
  just so. You got to be.
• 1:06:34
  You got to be a. Player you got to you got to
• 1:06:36
  play it and and he was like, you know, you need to be in the non
• 1:06:41
  for profit space because you are so mission driven.
• 1:06:46
  You go go into the into mission driven society.
• 1:06:49
  Nice. Wow.
• 1:06:50
  And that is something that really pushed me.
• 1:06:52
  And look at that. He.
• 1:06:53
  What a mission. He forecasted the future.
• 1:06:55
  I love it. I love it and I and I, and
• 1:06:57
  there's a lot of stories. We could be here for hours and
• 1:06:59
  we should chill for. We should go somewhere.
• 1:07:02
  Schmidt somewhere. Well, he's.
• 1:07:03
  Planning on leaving? Yeah.
• 1:07:04
  Why? Aren't you getting this into the
• 1:07:08
  school system right now? Like every single school system
• 1:07:12
  in the entire country? Or the entire.
• 1:07:13
  Like high school? I'm sorry, starting out like
• 1:07:16
  like you said, you got to start at the.
• 1:07:17
  Beginning elementary school too. I people, it's too premature.
• 1:07:21
  Too early, it's too early. People ask me that every day
• 1:07:23
  and. A budget and then continue.
• 1:07:25
  With the no it's very hard. You're not listening as a
• 1:07:27
  teenager had a budget. Yeah, when you need, it's like
• 1:07:29
  giving culture classes, you know, And yeah, you know, about
• 1:07:33
  being a holy Jew. And you know, when people ask me
• 1:07:37
  what's the, when's the time when a person gets married?
• 1:07:39
  Because like, people are buying Chevy Brokers gifts, financial
• 1:07:43
  coaching packages. Oh, what a great gift.
• 1:07:44
  It's a great gift. What a great gift.
• 1:07:47
  Gift it's beautiful. It's.
• 1:07:48
  That's a good one. And so people always ask me,
• 1:07:50
  like, when should they come in? I was like, the second.
• 1:07:52
  He uses up all his wife's spending on savings.
• 1:07:54
  Yeah. She worked so hard for two years
• 1:07:56
  exactly when you drained her and can't come.
• 1:08:00
  In and the modification step in to address your thing a child, a
• 1:08:03
  kid, a teenager. They can't understand my money
• 1:08:06
  until they have to work for it, until they have a job, then
• 1:08:09
  only. But when you make money, it's.
• 1:08:11
  The concept by the. Way.
• 1:08:12
  What's that? No, but it's very hard to teach
• 1:08:13
  them something. Doable at A at a surface base.
• 1:08:16
  Maybe at a basic level. At a basic level.
• 1:08:18
  At a basic level, I agree with you and and it's being worked
• 1:08:20
  on, sure. High school, I mean, they should
• 1:08:22
  be at least, you know. Or making them aware of this,
• 1:08:25
  getting them aware. There are, there are, you know,
• 1:08:27
  all of. This even, let's say before
• 1:08:29
  getting married, a little bit before getting married and like
• 1:08:32
  really thinking about the fact that, OK, one day I'm gonna
• 1:08:34
  like, you know, like tuition was like a thing you heard right,
• 1:08:37
  but it wasn't like one day you're gonna have to pay
• 1:08:39
  tuition. You're gonna have three to four
• 1:08:41
  or five kids, whatever it is. And they're gonna be there could
• 1:08:42
  be a common time when you're gonna have to shell out 6070
• 1:08:46
  eighty $100,000 a year on tuition.
• 1:08:49
  Like those thoughts don't creep into most people's minds, right?
• 1:08:52
  All they're thinking about right now is.
• 1:08:54
  And then one day you get hit like a freight train.
• 1:08:56
  I agree with the concept of awareness, by the way, writing
• 1:08:58
  awareness on an earlier stage. Yeah, which by the way, it just
• 1:09:00
  echoes what we're saying, which is we are big fans of you.
• 1:09:04
  We're big fans of your mission. And we applaud everything that
• 1:09:07
  you've done till now. And I think it's a beautiful
• 1:09:09
  thing to end with the people to hear, buy a gift for someone,
• 1:09:12
  get them the gift of their financial future.
• 1:09:15
  Excellent of a brothersal idea. A couple that's starting out.
• 1:09:18
  We're a baby gift, you know? Sure.
• 1:09:20
  Yeah, sure, as a baby. You had a baby, now secure your.
• 1:09:23
  Financial 100. Percent.
• 1:09:24
  I love it right now on bat for RSK, by the way, which Oshi is
• 1:09:27
  supposed to be taking a team for the last three years and Oshi,
• 1:09:30
  what in the world? Seriously, I wasn't going to
• 1:09:33
  bring it up but like now that you sold me on RSK.
• 1:09:37
  Is this a baseball thing? The bat for.
• 1:09:39
  RSK tournament. They do a very big tournament, a
• 1:09:41
  baseball tournament in this game of year.
• 1:09:43
  When is it? When is it this?
• 1:09:44
  It's coming up. June 22nd, yeah.
• 1:09:47
  Beautiful. So you make a team and you join.
• 1:09:49
  Yes, and it's our one event that we do a fundraiser.
• 1:09:52
  I'll play left field. Yeah.
• 1:09:55
  All right. This is a wrap everybody.
• 1:09:57
  Before I let you go, I need to ask you also the final question
• 1:09:59
  we always ask all our guests who would first of all, did you have
• 1:10:01
  a good time? I loved.
• 1:10:03
  It OK. Do you have any questions for
• 1:10:04
  us? I the break the fold and to get
• 1:10:12
  as many people as you can to sign up for financial coaching.
• 1:10:15
  You would ask us to promote. Ask you to please promote that,
• 1:10:18
  whether it's on here, whether it's in show, where everywhere I
• 1:10:21
  accept and if you can get one person to sign up for financial
• 1:10:25
  coaching. Michael will get you 1 you.
• 1:10:27
  Know what? We'll make you more than one.
• 1:10:28
  Michael will get you one person. So who would you recommend to
• 1:10:31
  sit in your seat as the next guest on a podcast like this?
• 1:10:34
  It could be an inspirational person, somebody who's
• 1:10:36
  impactful, somebody who can educate us on something your
• 1:10:39
  particular topic. You know that many people that
• 1:10:46
  you sifting through them right now.
• 1:10:48
  Could be one of many people you mentioned on this podcast, Laser
• 1:10:50
  Shiner for example, that you mentioned was helping you with
• 1:10:53
  the the other program. I think laser Shiner is is an
• 1:10:59
  incredible. Everybody knows.
• 1:11:01
  This yes, yes, yes. We tried to get him on the
• 1:11:02
  podcast. He he, he was a hard no Who?
• 1:11:04
  Else is a hard no. Joel Epstein.
• 1:11:15
  Joel Epstein. Who's Joel ABS?
• 1:11:16
  Fabi Wood. Fabi Wood.
• 1:11:18
  Yeah. Oh, he's.
• 1:11:19
  Got yo big company. Yoel Epstein, just by the way he
• 1:11:23
  made a fastener they're doing tonight Mutsutov.
• 1:11:27
  They're making a whole cultural change and is in RCC tonight.
• 1:11:31
  Like they're setting up for 10,000 people to make classes
• 1:11:34
  for $50,000 from from Shatana's. Including the wig, including the
• 1:11:40
  jewelry, including. For both sides.
• 1:11:42
  Both sides combined. 50 No one one side. 10, So 100 grand
• 1:11:45
  total. Yeah, yeah.
• 1:11:46
  That's fair. Including the house in the
• 1:11:48
  night, Including everything there.
• 1:11:49
  That's a lot 50. That's not that's not the kind
• 1:11:51
  of the way. 50 grand is nothing isn't.
• 1:11:53
  That kind of wedding, 40 or 50 for.
• 1:11:54
  I'm talking about everything. But you were clarifying.
• 1:11:56
  We're talking about the wig, the hat, the tie, the suit.
• 1:11:59
  The kind of wedding 40s for the night of the.
• 1:12:01
  Wedding. Yeah, No.
• 1:12:03
  Talking about everything. 50 grand from shot honors.
• 1:12:06
  Yeah, till shabba, shabba. That means including the.
• 1:12:10
  The including the. Shabba the night of the wedding
• 1:12:13
  the night. Of the wedding.
• 1:12:13
  What's he doing then? And they're, they're, they're
• 1:12:15
  making a soul. They're making a full social
• 1:12:18
  change. Oh, so Joel Epstein, he made a
• 1:12:19
  Hassan in Monroe. The most simple Hassan out
• 1:12:23
  there, Literally the more like. He had a DJ statement.
• 1:12:28
  This is how he lives. He's breaking the mold.
• 1:12:31
  Also, he's breaking the mold. Excellent if he can do that and,
• 1:12:33
  and, and by the way, we should challenge and even people that
• 1:12:36
  are running or, or like, like the people that are promoting
• 1:12:39
  ask on them and that are involved in all these.
• 1:12:41
  And that's why, by the way, Taconis, I'm not into Taconis.
• 1:12:44
  Why? Because Taconis is not fixing
• 1:12:46
  the issue. Yes, the social change this one
• 1:12:48
  could be different and Mitchell will be different, but the
• 1:12:51
  social change is it it it, it comes from internal, it comes
• 1:12:55
  from, from, from all of us doing the, the, the financial coaching
• 1:12:58
  ourselves. And by the way, people should
• 1:13:00
  sign up. Should I mention where they
• 1:13:01
  should sign up? Go for it.
• 1:13:02
  Rsk.org Isaac Leader helped us get this this web.
• 1:13:05
  Rsk.org. Love it.
• 1:13:07
  We're gonna we're gonna take your advice and try to get him
• 1:13:10
  on the. Pod Joe Epstein and if I need to
• 1:13:11
  help out with that and he lives by this every single day go and
• 1:13:16
  he helps his people. His mission is to help his
• 1:13:17
  employees achieve and achieve great.
• 1:13:19
  All Epstein later next month. We are waiting.
• 1:13:22
  For you, don't forget to like subscribe, comment.
• 1:13:24
  Thank you to the Prime Source production team and this has
• 1:13:26
  been amazing. Thank you of Gilbert's.
• 1:13:27
  We really appreciate you taking on the program.
• 1:13:29
  That's a wrap. All.
• 1:13:31
  Right. This was beautiful.
• 1:13:32
  Wow. Thank you.
• 1:13:33
  Who? Amazing.