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Creative Freedom Through Debt-Free Living (with Jared Latigo) · The Daily Writer

• 0:00
  SPEAKER_00: And when we started looking at our life that we had uh with the house and you know the car and different things that we had, like that we had worked towards, um, it didn't match those goals going forward.
• 0:11
  SPEAKER_00: And so it was like, we either have to choose this life that we've got here and like work toward paying the house off and like you know, maybe I have to have a full-time job somewhere, or we both work, or whatever it is, in order to maintain that, or we need to make some drastic changes to go in the on the opposite path, basically, toward this other life that we want.
• 0:41
  SPEAKER_02: Hello and welcome.
• 0:42
  SPEAKER_02: I'm Ken Sanders, and this is the Born to Create podcast, where we explore the stories, wisdom, and insights of creative thinkers who can help you make a bigger impact in your art and your life.
• 0:54
  SPEAKER_02: What does it mean to have creative freedom in your life?
• 0:57
  SPEAKER_02: And what's more, how do you get it?
• 1:00
  SPEAKER_02: Our guest today shows us how he and his family have followed a surprising path to creative freedom and how he is helping other people to do the same thing.
• 1:08
  SPEAKER_02: His name is Jared Latingau, and he's a personal development consultant who works with individuals, families, and companies in corporate settings.
• 1:16
  SPEAKER_02: Jared's writing has reached millions of readers through various online publications such as Addicted to Success, Thrive Global, MichaelHyatt.com, 48 Days, Problogger, and Life Hack.
• 1:29
  SPEAKER_02: He's also been able to work with companies like Stetson, Mountain Dew, Pier One Imports, and more.
• 1:35
  SPEAKER_02: In our conversation today, Jared is going to share the journey that he and his family took to becoming debt-free and how it has allowed him to pursue a whole new path in life.
• 1:44
  SPEAKER_02: You'll learn why it's important to have freedom in your life, you'll learn all about the connection between creativity and being debt-free, and also how managing your money well sets you up for success as an entrepreneur.
• 1:56
  SPEAKER_02: And there's a lot of other things that we'll discuss as well that you'll enjoy.
• 1:59
  SPEAKER_02: I know that you will love this conversation as much as I did.
• 2:03
  SPEAKER_02: After the show is over, be sure to check out our show notes at KentStanders.net slash zero zero two.
• 2:10
  SPEAKER_02: Before we dive into the conversation with Jared, here's a brief word from my friend Nick Pavlitis.
• 2:16
  SPEAKER_01: Hey, this is Nick Pavlitis from Authority Ghostwriting.com.
• 2:19
  SPEAKER_01: As a writer and personal creative, I know the importance of personal growth.
• 2:23
  SPEAKER_01: If you're looking for inspiration and practical advice for unleashing your creativity, the Born to Create podcast is one of the best investments of time you can make in yourself.
• 2:37
  SPEAKER_02: Well, I want to uh start off our conversation today with a quick snippet from the bio on your website because I think this is a great starting point for this conversation.
• 2:46
  SPEAKER_02: So this is a few sentences and you said this about your journey.
• 2:49
  SPEAKER_02: Back in 2010, something drastic happened to me and my family.
• 2:53
  SPEAKER_02: We realized we were being crushed by too much stuff and not enough time for the things we really wanted to do in life, so we made a change.
• 3:00
  SPEAKER_02: We paid off thirty-four thousand dollars in debt in fourteen months to be debt-free except for the house.
• 3:06
  SPEAKER_02: But that wasn't enough for us.
• 3:08
  SPEAKER_02: A couple of years later we decided to sell the house, my coveted 68 Camaro, and about sixty percent of our belongings, and we built a small, debt-free home in the country, and this is where our story became about more than just us.
• 3:22
  SPEAKER_02: So I love that quote, and if you can just kind of share a little bit about your journey with our listeners and you know how you've transitioned to really focusing on financial wellness, that would be awesome.
• 3:31
  SPEAKER_00: Yeah, sure.
• 3:32
  SPEAKER_00: Um well it that kind of gives the background of it, but basically, you know, we just got to the point where we had been toying around with um Dave Ramsey's Financial Peace University, which was the plan we ended up using to pay off that amount.
• 3:47
  SPEAKER_00: We'd been toying around with that for a couple years before we actually did it.
• 3:50
  SPEAKER_00: Um we just got to the point where it was like, you know, we've got this place, it's a nice it was a nice house you know in the city, um, right, uh neighboring city to where I grew up and where my wife grew up.
• 4:02
  SPEAKER_00: And uh it was a nice place, we enjoyed it, that kind of thing, but it wasn't giving us the option to um really work toward the goals that we had, which was we eventually wanted my wife to come home to stay with the kids.
• 4:14
  SPEAKER_00: Uh at the time we only had one.
• 4:16
  SPEAKER_00: Um and we wanted me to be able to run a business, uh more of a lifestyle business, to have flexibility in our schedules and that kind of thing.
• 4:24
  SPEAKER_00: And when we started looking at our life that we had uh with the house and you know, the car and different things that we had, like that we had worked towards, um, it didn't match those goals going forward.
• 4:36
  SPEAKER_00: And so it was like we either have to choose this life that we've got here and like work toward paying the house off and like you know, maybe I have to have a full-time job somewhere, or we both work or whatever it is in order to maintain that, or we need to make some drastic changes to go in the on the opposite path, basically, toward this other life that we want, which would require a lot less income, um, give us more flexibility to do you know family stuff and things we want to do, travel, you know, volunteering, all these different things that we had.
• 5:06
  SPEAKER_00: And so that's really why we made that decision was our lifestyle at the time was not aligning with our future goals.
• 5:13
  SPEAKER_00: And so we went down that path and we worked our butts off to pay off all that money.
• 5:18
  SPEAKER_00: And um, and we got I remember specifically after we paid it off, uh, it was about probably six months or a year after that.
• 5:26
  SPEAKER_00: We had been, we were like, okay, things are getting better, you know, but they're still tight, right?
• 5:31
  SPEAKER_00: Everything's going out the door.
• 5:33
  SPEAKER_00: All our money's going out the door because we're paying for this big house payment and this car and this kind of stuff, right?
• 5:38
  SPEAKER_00: Um, well, at the time we paid the car off, but we still had the house payment.
• 5:41
  SPEAKER_00: So then I sold my 68 Camaro, which like basically punches everybody in the gut that you know it's held that I did that too.
• 5:49
  SPEAKER_00: So um But you know, you gotta make you gotta make sacrifices, right?
• 5:53
  SPEAKER_00: And so that was our sacrifice was to get rid of that car um because it gave us a big chunk of change toward our future.
• 5:59
  SPEAKER_00: And so um we used a little bit of it to pay down the house, and it got us below that hundred thousand mark, and we're like, we should be excited that we have less than a hundred thousand on this nice house.
• 6:09
  SPEAKER_00: And I was like, but we're just not excited about this, like it's still a hundred thousand dollars.
• 6:13
  SPEAKER_00: Um, so we were like, yeah, we gotta do something about this.
• 6:16
  SPEAKER_00: So then we completely decided, you know, we're gonna get rid of the house, we're gonna build a smaller place, and it's gonna be small and tiny and whatever, but it's gonna be paid for.
• 6:25
  SPEAKER_00: Like, we are not doing this mortgage thing anymore.
• 6:28
  SPEAKER_00: So that's really what took us to where we're at now.
• 6:31
  SPEAKER_02: So, what were the changes that you made in your life to be able to pay off your debt at an accelerated pace like that?
• 6:37
  SPEAKER_02: Did you take on extra work or was it more of a matter of not spending as much or a combination of all those things?
• 6:43
  SPEAKER_00: Yeah, it was definitely a combination of it.
• 6:46
  SPEAKER_00: Um, my wife worked at a company um in Fort Worth at the time, and it was a pretty big company, so she could pick up pretty much any extra hour she wanted.
• 6:55
  SPEAKER_00: So there was plenty of weeks where she would work um overtime and get, you know, five, six extra hours on a check, you know, and um and and made some pretty good money doing that.
• 7:08
  SPEAKER_00: Um I took on pretty much any freelance job that I could get my hands on, and you know, we paid paid extra on things that way.
• 7:16
  SPEAKER_00: But the biggest thing that we did was really creating a budget for the first time in our life and sticking to it.
• 7:22
  SPEAKER_00: Um that was something that was foreign to us.
• 7:24
  SPEAKER_00: We always like looked at our money after we had spent it for the month, and then we're like, oh, look at all we spent and how much we spent more than what we actually made.
• 7:34
  SPEAKER_00: And so it a budget doesn't work if you do it after the month.
• 7:38
  SPEAKER_00: That's true.
• 7:38
  SPEAKER_00: So yeah, so we we uh when we went through the financial peace class, we were like, okay, you do it before, and so we started doing the budget beforehand, and that's that was the biggest thing was that, and then actually using cash envelopes, which was a big, big change for us because you cannot overspend even a dollar if you don't have an extra dollar in that envelope.
• 8:01
  SPEAKER_02: So yeah, those are some pretty key steps, and I remember a number of years ago we started going to a budget system, and I'm kind of ashamed to admit this, but we went for years and years and years in our marriage without any kind of a budget, really.
• 8:14
  SPEAKER_02: It's just, you know, the budget was okay, how much do we have left, you know, before the next paycheck, and how do we and what do what bills do we have, and what eating out money do we have, and you know, that's not a very good system.
• 8:25
  SPEAKER_02: So it's it but it's shocking whenever you start tracking that how much you actually spend on stuff.
• 8:30
  SPEAKER_00: Yeah, you're not alone in that.
• 8:32
  SPEAKER_00: Um I'm actually coordinating my 13th and 14th uh financial peace class right now, and that's pretty much every single person that's come through there is like, I did not realize how much I spent on restaurants.
• 8:46
  SPEAKER_00: And that's I mean, it's like that's where everybody's money is going.
• 8:49
  SPEAKER_00: And it's for the convenience factor, you know.
• 8:51
  SPEAKER_00: Now it's probably somewhere we live too, like we being in the Metroplex um have you know access to that stuff.
• 8:57
  SPEAKER_00: Whereas if I lived out in the country, you know, 15 miles or 20 miles from you know uh all these places to eat, then probably spend less money on that, you know.
• 9:06
  SPEAKER_02: So now let me ask you about that specific aspect of you know budgeting and finances because I know for us we've always been a family who loves to eat out.
• 9:16
  SPEAKER_02: I mean I love Chick-fil-A, and you know, I know people sort of take their shots at Chick-fil-A because I don't know why, but you know, it's just the food is so good, and I I love all the fast food stuff and the the olive garden and the red lobster and but man, it adds up fast.
• 9:29
  SPEAKER_02: So in your journey to save money, how has that been for your family going from not eating out as much to cooking more at home?
• 9:36
  SPEAKER_02: Like what is what's that emotional transition like as a family when you say, okay, we're not gonna eat out as much, we're gonna start cooking at home, and what kinds of things can help you to do that as a family?
• 9:48
  SPEAKER_00: Yeah, so first of all, the thing that I would point to is a lot of people don't want to do a budget and don't want to adhere to it because they think it restricts them from doing what they want to do.
• 9:57
  SPEAKER_00: Right.
• 9:57
  SPEAKER_00: And so I would say that's not the case.
• 9:59
  SPEAKER_00: I would say if you really feel that your priority is eating out of restaurants, then by all means let your priority be eating out of restaurants.
• 10:07
  SPEAKER_00: I mean, if you're a foodie, then that's a priority, right?
• 10:10
  SPEAKER_00: So that need you need to understand that you're gonna spend more on restaurants and eating out than other people will, right?
• 10:15
  SPEAKER_00: So it's the same thing as you know, the the guy that wants to go um, you know, golfing all the time or fishing all the time.
• 10:21
  SPEAKER_00: He's going to spend his money in it in that priority, right?
• 10:24
  SPEAKER_00: And that there's nothing wrong with that.
• 10:26
  SPEAKER_00: You just have to budget for it and plan for it.
• 10:28
  SPEAKER_00: So it's when you're not planning that you get in trouble.
• 10:30
  SPEAKER_00: Um, it's not the fact that you're spending so much in this certain area.
• 10:34
  SPEAKER_00: So I I I definitely want to take that out of the equation because if you like doing that stuff, by all means do it.
• 10:39
  SPEAKER_00: Just plan for it.
• 10:40
  SPEAKER_00: That's all budgeting is.
• 10:42
  SPEAKER_02: Yeah, very true.
• 10:43
  SPEAKER_02: Good point.
• 10:44
  SPEAKER_00: Yeah.
• 10:44
  SPEAKER_00: So that being said, um, we do we actually are very um adamant about good food and eating good places and trying new, you know, special joints when we're, you know, uh traveling, that kind of thing.
• 10:59
  SPEAKER_00: So food is a huge priority to us.
• 11:02
  SPEAKER_00: It is definitely our biggest budget item now, especially since we don't have a mortgage now, um, that is by far the biggest budget item.
• 11:08
  SPEAKER_00: And we we spend a lot more on groceries than a lot of people do um in our close circle of friends because we eat pretty much all fresh stuff.
• 11:17
  SPEAKER_00: So you're naturally going to spend a little bit more.
• 11:19
  SPEAKER_00: Um, but it's been great.
• 11:21
  SPEAKER_00: Like I really it's become a priority of ours to really teach our kids that, to teach them um, you know, healthy body image and healthy eating.
• 11:31
  SPEAKER_00: Um, you know, we believe that, you know, of course, uh it's no uh secret that I'm a Christian and I'm very adamant about you know letting people know that you know I'm I'm a Christ follower and I believe that everything points back to that.
• 11:44
  SPEAKER_00: So um we teach our kids like you know, God gave you one body and you need to take care of it in all these ways.
• 11:51
  SPEAKER_00: And one of the ways you can take care of it is by eating healthy and understanding um the different types of things that you're putting in your body, whether it's you know medications or food or drinks or coloring or whatever it is.
• 12:03
  SPEAKER_00: So that being said, that's a priority of ours.
• 12:07
  SPEAKER_00: And so we have a lot of money going toward food, and I'm okay with that because now we've told our money we want to spend money on food, and so we're going to.
• 12:15
  SPEAKER_02: So I'm gonna take a minute and this diet coke that's on my desk.
• 12:18
  SPEAKER_02: I'm gonna put this away now.
• 12:19
  SPEAKER_02: So I don't know.
• 12:21
  SPEAKER_00: I do have a I do have a diet coke vice.
• 12:25
  SPEAKER_00: I do it like the 80-20 rule, right?
• 12:27
  SPEAKER_00: So 20% of the stuff I eat is probably not super healthy for me, but 80% of it most likely is.
• 12:33
  SPEAKER_02: So yeah, and I'd say I'm I'm not quite there, but I'm approaching there, and and uh my wife has definitely been a huge influence on me as far as eating healthy and all that good stuff.
• 12:42
  SPEAKER_02: But there is something about that caffeine I just cannot seem to get away from.
• 12:46
  SPEAKER_02: That's yeah, that's probably another another conversation.
• 12:49
  SPEAKER_00: Uh yeah.
• 12:50
  SPEAKER_00: I have a major sweet tooth, so I mean and I can't quench my sweet tooth with anything except like hardcore like dark chocolate.
• 12:57
  SPEAKER_00: Like that's yeah.
• 12:58
  SPEAKER_00: I mean, that's I I could eat a pint of ice cream and I still need some chocolate.
• 13:02
  SPEAKER_00: So that's just how it works for me.
• 13:04
  SPEAKER_02: So this podcast is all about the creative life and developing our creativity and and I would say unleashing our God-given creativity.
• 13:12
  SPEAKER_02: And I'm very much with you in that camp of you know, I'm uh a Christ follower as well, and very proud well, I don't know if I'm loud and proud, that's sort of I'm not really a loud person, but you know, very very proud to make that a public thing.
• 13:26
  SPEAKER_02: And I really believe that we are created you know with a purpose and the most worshipful thing that we can do with our lives is fulfill our potential that God has implanted within us.
• 13:37
  SPEAKER_02: So what would you say, having been through this journey of getting debt-free and more financially healthy, what is the connection in your in your mind between creativity and financial wellness or getting out of debt?
• 13:48
  SPEAKER_02: How are those two things related to each other?
• 13:51
  SPEAKER_00: Um so for us, the point of being financially secure is really a stewardship issue.
• 13:58
  SPEAKER_00: And so we've been given these resources to manage, no matter how little, no matter how big, and it's our job to take care of them.
• 14:05
  SPEAKER_00: So stewardship is just management of resources, right?
• 14:08
  SPEAKER_00: Um and to me that's a biblical principle.
• 14:11
  SPEAKER_00: I think you can find it all through Proverbs and various other places, right?
• 14:14
  SPEAKER_00: So that's the financial side of it.
• 14:16
  SPEAKER_00: Um, as far as the creative side, what it really allows you to do and what it's definitely done for us is helped us have more flexibility in our life to be able to try things that might not work.
• 14:29
  SPEAKER_00: Um, for instance, I'm on now my well, I don't know how many business adventures I've honestly honestly actually done.
• 14:36
  SPEAKER_00: I have started so many things.
• 14:38
  SPEAKER_00: I started running a t-shirt thing.
• 14:39
  SPEAKER_00: Um, I I've done some like an online store stuff uh for like homeschool stuff.
• 14:45
  SPEAKER_00: I mean, I've done all kinds of weird things, right?
• 14:47
  SPEAKER_00: But the creative possibilities opened up so much more after I didn't have my strict um schedule of you know eight to five, nine to five, whatever it is, and the all of my money going out the door to pay someone else.
• 15:04
  SPEAKER_00: So now that we are in a different situation, we don't make a ton of income.
• 15:08
  SPEAKER_00: I I definitely don't, you know, I'm not uh you know raking it in by any means, but I have flexibility in my time and in my uh how I lead my family and the things that we do together, um, the the experiences that we have, and I just think that as a whole is gives you opportunity to create the type of life and follow um for us, follow God's will for our life, because now we have some freedom to be able to do that.
• 15:38
  SPEAKER_00: Does that make sense?
• 15:38
  SPEAKER_02: Yeah, it absolutely does.
• 15:40
  SPEAKER_02: And it goes back to what I've heard Dave Ramsey, and I know you're a big Dave Ramsey fan, uh, and I am as well.
• 15:45
  SPEAKER_02: It goes back to what I've heard him talk about before, which is the idea of how debt shackles us, weighs us down, it's like a prison.
• 15:52
  SPEAKER_02: You know, there's these different metaphors for it.
• 15:54
  SPEAKER_02: And you've talked to me a little bit before about uh the idea of getting out of debt has opened up more freedom in your life.
• 16:00
  SPEAKER_02: So would you definitely say that's the case, you know, freedom emotionally, relationally, spiritually, and in all kinds of different aspects.
• 16:08
  SPEAKER_00: Yeah, absolutely.
• 16:09
  SPEAKER_00: Um I mean, God, it's it's kind of hard to think if there's anything that I don't really have freedom in my life right now.
• 16:18
  SPEAKER_00: And you know, I was talking with my my wife last night and I was frustrated because I can't seem for the life of me to get up on time to my alarm when I want to get up and start my day, you know?
• 16:28
  SPEAKER_00: And I'm like, I don't understand because I want to do this.
• 16:31
  SPEAKER_00: Like I want to get up and do my Bible study and do my workout and get started on you know what I'm doing for my business and that kind of thing.
• 16:38
  SPEAKER_00: Like I want to do it, but I cannot seem to just get up on time.
• 16:42
  SPEAKER_00: And so I was like, it's not like one of those times where I'm having to get up and I don't want to.
• 16:46
  SPEAKER_00: And then I was thinking about it, and I was like, there's really not a time in my life that I have to get up like for something I don't want to do, you know?
• 16:53
  SPEAKER_00: And that's different from where I was, you know, five or six years ago, where I had to get up to either go to school, um, you know, when I was going through uh getting my graduate degree and stuff, or like if I was having to get up to go to a job that I didn't like that much, you know, those types of things don't really exist anymore.
• 17:15
  SPEAKER_00: So it's given us a lot of freedom in that area um to really do the things that we feel called to do and not have to do so much of the stuff that we don't want to do.
• 17:25
  SPEAKER_02: Yeah.
• 17:26
  SPEAKER_02: And uh you know, so many people are stuck in jobs they hate nowadays.
• 17:29
  SPEAKER_02: I I know a lot of people like that.
• 17:31
  SPEAKER_02: And they they feel displayed.
• 17:33
  SPEAKER_02: They are statistics right now.
• 17:34
  SPEAKER_02: I promise you.
• 17:35
  SPEAKER_00: I've done so much research on that.
• 17:36
  SPEAKER_02: Yeah, so uh they're just imprisoned in these things that are just holding them back from their creative potential and really releasing, I think, what what God wants to do through them in the world.
• 17:46
  SPEAKER_02: Whether it's a traditional ministry thing, or whether it's a business venture, or whether it's an entrepreneurship thing or a creative thing or whatever it is.
• 17:54
  SPEAKER_02: And yeah, it it definitely is true that you know being in debt is like you know, the borrower is slave to the lender, as Dave Ramsey says.
• 18:01
  SPEAKER_02: Well, I guess the Bible said it first, so yeah.
• 18:04
  SPEAKER_02: Yeah, it's not original with him by any stretch.
• 18:06
  SPEAKER_00: So that's right.
• 18:07
  SPEAKER_00: No, no, he'll tell you that.
• 18:09
  SPEAKER_00: He just took everything right out of the Bible.
• 18:10
  SPEAKER_00: Yeah, yeah.
• 18:11
  SPEAKER_00: So is you're exactly right on that with people being frustrated with work, and that's why I've started doing what I do with you know this financial wellness, is because I think that it can really um lead people in the right direction to not be so frustrated, even if they are going to that job.
• 18:28
  SPEAKER_00: When they started that job, they didn't hate that job.
• 18:31
  SPEAKER_00: Most of the time they didn't hate that job.
• 18:33
  SPEAKER_00: You know, um they they wanted to work there, uh or they at least like the some of the people they were with, right?
• 18:39
  SPEAKER_00: But somewhere along the line, there was an issue and they are no longer engaged and they're no longer productive and they no longer really care.
• 18:46
  SPEAKER_00: And a lot of it has to do with um on a deep down level, a lot of it has to do with finances.
• 18:51
  unknown: Yeah.
• 18:51
  SPEAKER_00: I mean, if you look at it, they really do.
• 18:53
  SPEAKER_00: But something like 86% of the world's workers are not engaged at work.
• 18:58
  SPEAKER_00: And that's a lot of people that are not engaged at work.
• 19:00
  SPEAKER_02: Aaron Ross Powell So what kind of programs, services, consulting speaking, what kinds of things can you help people with, whether they're individuals or maybe companies, organizations, who really want to help people with this idea of financial wellness?
• 19:13
  SPEAKER_00: So I read an article um from an HR publication, and it was 2017 is the year of financial wellness.
• 19:22
  SPEAKER_00: And of course that came out in 2016, I think, um, toward the end of that year.
• 19:27
  SPEAKER_00: So we're almost we're in the fourth quarter of 2018, or almost there, right?
• 19:33
  SPEAKER_00: And I guess we are there.
• 19:35
  SPEAKER_00: So what we're seeing is that there is such an influx of communication and people talking about things within not only within a company now, but social media has opened up so much opportunity for people to have a voice in this company is great at this, this company is terrible at this.
• 19:55
  SPEAKER_00: I mean, all these things that now the people that work for a company have a voice and they can basically say, don't ever go to work for this company, and here's why.
• 20:05
  SPEAKER_00: And people are gonna look at those reviews and they're gonna pay attention to it and they trust that person that worked there, even if they don't know them.
• 20:11
  SPEAKER_00: And that's what the internet has done is opened up these lines of communication.
• 20:14
  SPEAKER_00: So companies now are having to step forward and say, Hey, um, we need to figure out how to retain people and we need to figure out how to treat them better.
• 20:23
  SPEAKER_00: And so that's what I'm doing now, is I've taken my whole uh so I was in marketing and web design for like 20 years, and I have completely shifted away from that um in the past probably six or eight months and gone toward corporate consulting and with a specialty in financial wellness.
• 20:43
  SPEAKER_00: And so I'm now taking these entire turnkey programs that consequently is through Dave Ramsey.
• 20:50
  SPEAKER_00: Um, so I'm an advisor for them, and uh I can take an entire turnkey program into a company and they can offer it as a benefit to every single employee in that company.
• 21:00
  SPEAKER_00: And we will provide training, we'll provide uh 24-7 access through their device, uh their phone or their uh iPod or computer, whatever, to every single step of the way.
• 21:13
  SPEAKER_00: Every budgeting thing that they need, every retirement uh question that they have, all of these things are available for the employees at that point.
• 21:22
  SPEAKER_00: And from a company standpoint, they're thinking, okay, why am I going to teach my employees how to handle their personal finances?
• 21:28
  SPEAKER_00: That doesn't make any sense.
• 21:30
  SPEAKER_00: But the statistics show otherwise.
• 21:32
  SPEAKER_00: There's there's so many people that are strapped by financial problems at home that they're carrying those to work.
• 21:40
  SPEAKER_00: And so the average person is spending three plus hours a week on financial issues at work.
• 21:46
  SPEAKER_00: Not to mention the stress level that they're going through, uh, decreased productivity.
• 21:51
  SPEAKER_00: And then they're also probably thinking, well, if I could just get a job that paid me more, then I wouldn't have to worry about this.
• 21:57
  SPEAKER_00: They're forgetting, though, that the issue is not.
• 22:00
  SPEAKER_00: The income so much as it is their budgeting issue, right?
• 22:04
  SPEAKER_00: And so if we teach them to change these behaviors and we teach them to understand how they can uh live off a little bit less and and really tell their money where to go and and and uh figure out their priorities in life, then they're much more likely to stay at that job, which saves the company tons of money in hiring cost and just increases the retention and then it builds a better culture across the company.
• 22:27
  SPEAKER_02: So let's say you know someone's listening to to this interview and you know they have a job that's low paying, however you want to define that.
• 22:35
  SPEAKER_02: You know, what's low to one person is high to another person, and you know, it's all it's all relative, really.
• 22:39
  SPEAKER_00: Yes, it is.
• 22:40
  SPEAKER_02: But let's say somebody feels it feels like okay, they're just scraping by, they're they're stuck in a job they don't like, um, you know, that type of thing.
• 22:47
  SPEAKER_02: And they're looking at two roads.
• 22:49
  SPEAKER_02: One road might be, hey, I want to I want to be an entrepreneur type of a person, I want to own my own business, or do consulting, do speaking, writing, whatever it is.
• 22:58
  SPEAKER_02: Or maybe I should get a higher paying job.
• 23:01
  SPEAKER_02: You know, which of those roads would you say would be better for somebody in that position?
• 23:05
  SPEAKER_02: You know, and not necessarily just adjusting their own finances, but but is is there a major difference in like personality styles and what might be a better road for somebody if they want to increase their income and the financial wellness?
• 23:19
  SPEAKER_00: Yeah, it's kind of an that's kind of an interesting question because you definitely have to bring into play the person's situation and their temperament and their um past experiences and and personality, all those things come into play, right?
• 23:35
  SPEAKER_00: But I don't really what I would look at is I think every single person needs to be on a budget and they need to try to live within their means as much as possible.
• 23:46
  SPEAKER_00: And I think that if they were to do that and get the steps that they need and make the progress they need and just kind of get a handle on that thing, then that is discipline that they much that they probably need in a lot of areas of their life.
• 24:01
  SPEAKER_00: And if they can do it in their finances, then they can do it in any other area.
• 24:04
  SPEAKER_02: Yeah.
• 24:04
  SPEAKER_00: And then they can figure out the other stuff, right?
• 24:06
  SPEAKER_00: But if you get your finances under control and you understand I have this much coming in, I have this much going out, I'm now saving for retirement, I'm now paying down on my house, um, I've now got that car paid off, whatever it is, you know, um, and you and you understand how this works, and it's really simple.
• 24:24
  SPEAKER_00: It's not difficult stuff.
• 24:25
  SPEAKER_00: I mean, it's really not.
• 24:26
  SPEAKER_00: I mean, even investing is not difficult.
• 24:29
  SPEAKER_00: People just make it difficult because they don't want to look into it.
• 24:32
  SPEAKER_00: And we have so much information at our fingertips now, it's like it would literally take you like an hour and a half to figure out how to invest in a mutual fund and what a what a mutual fund actually is.
• 24:42
  SPEAKER_00: Right.
• 24:43
  SPEAKER_00: It's pretty simple, right?
• 24:44
  SPEAKER_00: But most people don't go through the effort to do it.
• 24:46
  SPEAKER_00: Um, and so I think they just need to get through that that really tough part in their life where they're struggling and they're like, you know what?
• 24:54
  SPEAKER_00: I need to get the motivation and the fire under me to change my situation.
• 25:00
  SPEAKER_00: And that's exactly where we were in 2010.
• 25:03
  SPEAKER_00: I mean, we were we were at that point when our air conditioner broke, we were paycheck to paycheck, and we had a twelve hundred dollar house payment and a one-year-old son.
• 25:12
  SPEAKER_00: And I'm like, I don't like this, this is not okay.
• 25:15
  SPEAKER_00: And that's why we decided this is when we have to change.
• 25:19
  SPEAKER_00: We have to change this right now, like it's not an option.
• 25:22
  SPEAKER_00: And so I think if the whoever is listening and they're stuck in that position, um my encouragement would be for you to decide right now that you are you are done with this mess that you're in.
• 25:36
  SPEAKER_00: And the first thing that I would say you need to do is um for me as a Christian, I'm gonna hit my knees and pray, right?
• 25:43
  SPEAKER_00: Um, but then after that, I'm gonna get up and I'm gonna figure out how to handle my finances and then we can go from there.
• 25:49
  SPEAKER_02: So about the entrepreneurship route, let's say uh somebody, you know, and and I'm where I'm going with this question is I remember Dave Ramsey many times mentioning, you know, you need a bigger shovel, as in you need to get more income.
• 26:02
  SPEAKER_02: So if someone wants to pay off their debts sooner and they want to have more income, aside from just getting a job that pays more, do you have any recommendations as someone who has had a lot of businesses and side hustles, that type of thing, do you have any specific recommendations for increasing your income through some specific kind of side business or side hustle?
• 26:22
  SPEAKER_00: So through a side hustle, not so much.
• 26:24
  SPEAKER_00: Most of my side hustles have cost me money.
• 26:26
  SPEAKER_00: So I've not uh I've not been very uh successful in that uh avenue.
• 26:31
  SPEAKER_00: But um when we were paying off debt, there was a lot of things that we could do.
• 26:35
  SPEAKER_00: Uh you don't realize how much random crap you have sitting around your house or in your garage that somebody wants to buy.
• 26:41
  SPEAKER_00: Um so that would be the first place to look is what can you sell?
• 26:44
  SPEAKER_00: I mean, you could probably sell some pretty a pretty hefty amount of stuff to make some extra cash to pay down on that debt.
• 26:50
  SPEAKER_00: Um you know, and not a lot of, and I'm not gonna say not a lot.
• 26:54
  SPEAKER_00: There are people that are in the same situation that are not in debt.
• 27:00
  SPEAKER_00: They may have a house payment, they might have a car payment, but financially speaking, they're not really struggling.
• 27:05
  SPEAKER_00: They just are really stuck in their job and they don't know what to do.
• 27:08
  SPEAKER_00: Um and so again, I think it still comes back to the getting your finances under control, but then you have to figure out what is my next step.
• 27:16
  SPEAKER_00: Okay, if I'm in debt, my next step is I'm going to figure out what I can sell.
• 27:20
  SPEAKER_00: Maybe I do go pick up a second job if I need to.
• 27:23
  SPEAKER_00: Um, maybe I can uh you know dig up those little baseball cards, whatever, and and sell them on eBay because they're worth something.
• 27:31
  SPEAKER_00: Like there's something that you can probably do to reduce that debt pretty quickly, right?
• 27:37
  SPEAKER_00: Yeah.
• 27:37
  SPEAKER_00: Um and a lot of and some people work at companies that would allow them to pick up an extra, you know, a couple hours a week.
• 27:44
  SPEAKER_00: I mean, you'd be surprised when you're budgeting what a couple extra hours a week will amount to.
• 27:48
  SPEAKER_00: Um, you know, most people don't realize that, but we realized it really quickly whenever we were going through that.
• 27:55
  SPEAKER_00: And you think, oh, it's only 15 or 20 bucks, but 15 or 20 bucks uh you know every single week adds up pretty quick when you're throwing it on you know a four or five hundred dollar debt.
• 28:05
  SPEAKER_00: So it it it makes a big difference.
• 28:07
  SPEAKER_00: If they're not in debt and they're just wanting this like entrepreneurship side hustle thing, then that's that's not that doesn't necessarily mean that they don't need the financial situation or the financial control, right?
• 28:21
  SPEAKER_00: Because I think you probably need it just as much or even more if you're ever going to run a business, because now you've got to figure out I'm gonna have irregular income, most likely, and I need to figure out how I can survive on, you know, if I get enough money for two or three months, I can't blow it all in one month because I may not get paid again for you know two or three months, whatever.
• 28:41
  SPEAKER_00: So that financial uh security there and the planning of it is really important for even the person doing the entrepreneurship, whether they're an online entrepreneur or um starting a you know a local business or whatever it is.
• 28:54
  SPEAKER_02: It brings to mind something that I have experienced this past year, which is you know, I've been doing freelance writing and some other related gigs the past two or three years, and just this year I had a couple clients who sh kind of shifted their business and didn't drop me in terms of, okay, you're not doing a good job.
• 29:11
  SPEAKER_02: It was just they shifted what they were doing, and then I found myself without those couple of clients, which did make an impact.
• 29:16
  SPEAKER_02: And it's so interesting because when you're doing freelancing like that, you know, things can shift very quickly.
• 29:22
  SPEAKER_02: And you know, I and I know I know that you've been in that situation as well before too, because things can just change and you just gotta figure things out, and you know, that's the thing with being an entrepreneur, even just doing it on the side, is man, you gotta think on your feet and just kind of roll with the punches and not take things personally.
• 29:41
  SPEAKER_00: Yeah, absolutely.
• 29:42
  SPEAKER_00: I mean, people make uh decisions for all kinds of reasons, right?
• 29:46
  SPEAKER_00: I mean, there's all kinds of reasons why people make a decision to change their business model or to drop you or to hire you or whatever it is, you've got to be prepared for those things.
• 29:57
  SPEAKER_00: And so I think that that that's why I think financial wellness is such an important topic for not only an individual, but you know, for a company to offer um to to help like engage people and and help people through those difficult times in life.
• 30:14
  SPEAKER_00: Because you know what what happens if um let me give you a scenario.
• 30:19
  SPEAKER_00: This is a scenario that I've talked through with people before.
• 30:21
  SPEAKER_00: Um okay, you have your job where you make steady income, you can pick up as much hour as much extra hours as you want.
• 30:31
  SPEAKER_00: Uh you can uh you make a pretty good income, right?
• 30:35
  SPEAKER_00: You don't really have to budget, you've got a good emergency fund sitting there, um, you know, you can spend kind of whatever because you can always pick up some extra hours at work.
• 30:44
  SPEAKER_00: And you think that the line of work you're in is not going anywhere because it's technology based and it's pretty solid technology, you know, or it's you know, something like electric or plumbing or whatever, like something that everybody's gonna have to have, right?
• 30:58
  SPEAKER_00: So you're in the situation and you're thinking, this is never going anywhere, but you forget about these other things that could happen.
• 31:05
  SPEAKER_00: The job may not go anywhere, true.
• 31:06
  SPEAKER_00: But what happens if you woke up one day and you can't uh and you're and you're blind, you can't see, right?
• 31:13
  SPEAKER_00: Now you're in a now you're in a situation.
• 31:16
  SPEAKER_00: And what happens if you break your leg on the job?
• 31:19
  SPEAKER_00: Well, you might get workmen's comp for a couple, you know, six months or whatever, but um, but they're not gonna pay you for the rest of your life if something happens and it goes south and you can't walk again, right?
• 31:29
  SPEAKER_00: So these things happen to people, but no one plans for them because they're they're fairly rare.
• 31:35
  SPEAKER_00: But I know personally of a guy that literally woke up one day and couldn't see very well and he was a truck driver.
• 31:40
  SPEAKER_00: Wow.
• 31:41
  SPEAKER_00: And his and his and his I mean his career just like I mean he was making uh quite a bit of money.
• 31:47
  SPEAKER_00: Um, I think it was close to three close to six figures, um, because he worked for a really large company.
• 31:53
  SPEAKER_00: And he couldn't, I mean, basically couldn't see very well, so then his entire life changed, right?
• 32:02
  SPEAKER_00: Um and I know of someone else that uh that was uh woke up and couldn't hear very well, they kind of had a buzzing in their ears and they couldn't figure out why.
• 32:10
  SPEAKER_00: Um come to find out it's some sort of disease where basically they you know she's basically deaf now, and she has been for about five or six years.
• 32:20
  SPEAKER_00: So these things happen and it's and if their finances are not in order, it can mean a lot of a lot of things can go wrong, not only from a financial standpoint, but you know, you're talking about relationships, you're talking about um, you know, marriage, you're talking about your future.
• 32:35
  SPEAKER_00: Um, and that's what the financial wellness really encompasses so much more than just budgeting, but thinking about things like long-term disability, um, life insurance, you know, all of these things that most people that are in their 20s and 30s don't really think about that much.
• 32:49
  SPEAKER_02: I like something that that you mentioned a few minutes ago about your wife getting extra hours at work and um you know just taking the initiative in that realm.
• 32:58
  SPEAKER_02: That's something I also wanted to explore for just a second because my experience has also been getting some extra extra well, uh in my job as a college professor in my day job, we don't have quote unquote extra hours.
• 33:11
  SPEAKER_02: You know, the concept of hours doesn't really play into it, it's more of a style position and whatnot.
• 33:17
  SPEAKER_02: But I have also, for the past several years, just taken the initiative and gone to you know my supervisor, which in my scenario is our academic dean, and just said, hey, can I do these extra courses?
• 33:28
  SPEAKER_02: Can I and sometimes I pitch these off-the-wall ideas for, hey, let's do a free course that we offer to pastors on writing or something like that.
• 33:37
  SPEAKER_02: And that's then part of my teaching load.
• 33:39
  SPEAKER_02: So even in a situation where where it may not seem there's extra work to be had, you know, sometimes people will would be surprised at the opportunities that are there, even if it you're in a situation where they don't normally do that, because many can always just be assertive and and ask and just kind of take control and see what opportunities are there.
• 33:58
  SPEAKER_00: Yeah, that's interesting you say that because um I I think that that's very applicable to the person that's trying to get unstuck from wherever they're at, right?
• 34:06
  SPEAKER_00: And this is one of the things that I actually consult on is the entrepreneur mindset.
• 34:10
  SPEAKER_00: And it's basically that taking control of your job and basically saying is what is most important about this and what can I change to make this better?
• 34:18
  SPEAKER_00: And so if there's something, you know, like you mentioned your um you offered this other course, right?
• 34:25
  SPEAKER_00: So, hey, let's offer this course very specifically to you know, pastors for writing, how can what you're basically saying is how can we make this college, how can we make these offerings better for our customers, right?
• 34:39
  SPEAKER_00: Our people that are paying us.
• 34:40
  SPEAKER_00: And so that's really what you're saying.
• 34:42
  SPEAKER_00: And I think people can do that in their job too.
• 34:45
  SPEAKER_00: There's processes all over the place that are broken.
• 34:48
  SPEAKER_00: I mean, all over the place.
• 34:50
  SPEAKER_00: And so if a person will just go to their manager and say, Hey, I've been doing this for five years, I've been doing this for three years, whatever the case is, and you know, I I've really seen that I think this could work better if we did it this way.
• 35:04
  SPEAKER_00: Um, that is like a huge uh asset for a company to look at and say, okay, this person has stepped up and they have realized that we have a break in a process here that can probably be fixed pretty easily in most cases.
• 35:19
  SPEAKER_00: Um and they can maybe save the company a lot of money, whatever the case.
• 35:23
  SPEAKER_00: And I think a lot of companies would be willing to look at that and say, you know, let's let's really, you know, maybe maybe there's another role for you in the company.
• 35:32
  SPEAKER_00: Maybe there's something that you can uh look at other processes in other areas, you know, and see if you can fix those, you know.
• 35:39
  SPEAKER_00: Um not everybody can see that kind of thing, but typically when you're doing a job for an extended period of time, you know how to fix something because something's broken.
• 35:47
  SPEAKER_00: There's always a break somewhere.
• 35:49
  SPEAKER_02: Yeah, and I think that's that's exactly the the mentality behind what you're talking about, you know, in your consulting topic or one of the topics, which is developing an entrepreneurial mindset.
• 35:58
  SPEAKER_02: And that is exactly the kind of employee that companies need, or are people who you're not just there to collect a paycheck and do the least amount of pause as possible.
• 36:07
  SPEAKER_02: I think most people don't realize that you know you can take your current situation, even if it's not a job that you want to spend the rest of your life in, there are opportunities within that job where you can learn marketable skills that helps your current company.
• 36:20
  SPEAKER_02: It kind of helps your standing in that place, but it also gives you more marketable skills that then you can you can use other places if you want to.
• 36:27
  SPEAKER_02: So there's opportunities all around us.
• 36:29
  SPEAKER_00: Oh yeah, for sure.
• 36:31
  SPEAKER_00: Yeah, and I think you know, this pointing back to the creative person, you know, this is um if you're a creative, if you're listening to this and you see yourself as a creative person, first of all, I think everybody is a creative person in their own respects.
• 36:44
  SPEAKER_00: You know, you may not be able to draw, you know, you may not be able to paint or whatever, but it doesn't mean you're not a creative person.
• 36:50
  SPEAKER_00: Um I always thought of myself as a very creative person, and I can't do any of those things.
• 36:55
  SPEAKER_00: Um I'm I'm I actually did graphic design for a long time, and turns out I'm not even that good of a graphic designer.
• 37:02
  SPEAKER_00: Um, but but uh but I still see myself as a creative person in the sense of uh there are things that I can find creative solutions for.
• 37:11
  SPEAKER_00: And so regardless of where you're at, regardless of what company you're in, if you're uh you know, if you're an entrepreneur, if you're working in a company of 7,000 people, um, there's a spot somewhere for you to be creative and fix a process or um create some new process that's going to fix something.
• 37:29
  SPEAKER_00: I mean, this is where products come from nowadays is people just saying, hey, I would like to try this.
• 37:35
  SPEAKER_00: It might not work, but I want to try this anyway.
• 37:37
  SPEAKER_00: And they get the blessing of whoever they need to.
• 37:39
  SPEAKER_00: Um sometimes they don't get the blessing, but they do it anyway.
• 37:42
  SPEAKER_00: And, you know, and then something happens with it, right?
• 37:45
  SPEAKER_00: And so this this whole like creative journey that we're all on, we're all in different areas of it.
• 37:52
  SPEAKER_00: I mean, you've got to have someone that's creative in the banking world just as someone that's creative in the you know art design world.
• 37:59
  SPEAKER_02: Yeah.
• 38:00
  SPEAKER_02: Hopefully, if you're in accounting, you're not gonna get too creative with the numbers.
• 38:05
  SPEAKER_02: That could be bad.
• 38:06
  SPEAKER_00: But that could be bad, yeah.
• 38:08
  SPEAKER_00: No, but there are also creative ways to uh to look at how things are processed.
• 38:14
  SPEAKER_00: I know that there's I I looked at a came across a company the other day, and I don't remember the name of it.
• 38:20
  SPEAKER_00: I wish I could call it recall it right now.
• 38:22
  SPEAKER_00: But it was a bank that um basically these like five people came together and they are being completely creative in their how they are looking at the loan process to uh to individuals.
• 38:38
  SPEAKER_00: And it was a very unique way that they were doing it, and I don't remember the specifics.
• 38:41
  SPEAKER_00: If I find it, I'll have to email it to you.
• 38:43
  SPEAKER_00: But I was pretty pretty impressed by how creative they were being in what seems to be like a pretty you know uh straightforward industry, you know.
• 38:52
  SPEAKER_02: That's super interesting.
• 38:53
  SPEAKER_02: Well, if you do come across that, let me know, and I would love to include that in the show notes.
• 38:56
  SPEAKER_02: Yeah, sure.
• 38:57
  SPEAKER_02: So if people want to find out more about your services, who you are, what kind of things you can can help them with, where would they go to find that out?
• 39:04
  SPEAKER_00: So I'd give a lot of free information on my website, well rather my email list.
• 39:08
  SPEAKER_00: So jaredladigo.com uh has a sign up right on the front page.
• 39:13
  SPEAKER_00: You can jump on there, and I've got um kind of a series of emails that will kind of lay out this whole debt problem and then talk about some other things and personal development areas.
• 39:22
  SPEAKER_00: Uh and I usually try to release three or four articles a month on my site, and then um I also offer things like coaching, you know, personal coaching for debt situations or for just you know life goals and that kind of stuff.
• 39:35
  SPEAKER_00: So there's uh there's some information on there about that too.
• 39:37
  SPEAKER_02: Awesome.
• 39:38
  SPEAKER_02: Thanks so much.
• 39:38
  SPEAKER_02: I will include a link to that again in the show notes.
• 39:41
  SPEAKER_02: And I do want to encourage everybody to sign up for Jared's list.
• 39:43
  SPEAKER_02: There's lots and lots of good stuff, and you know, I get a lot of email newsletters and and those kinds of things.
• 39:49
  SPEAKER_02: And Jared is one of the few people whose lists I'm on where every single time I get something, I think, man, that's really valuable.
• 39:55
  SPEAKER_02: So lots of great stuff there.
• 39:56
  SPEAKER_02: Jared, thanks.
• 39:57
  SPEAKER_02: I appreciate it.
• 39:58
  SPEAKER_02: Yeah, thanks so much for uh your friendship and for adding so much value and for taking some time to be on the show today.
• 40:03
  SPEAKER_00: Absolutely, man.
• 40:04
  SPEAKER_00: Thanks for doing this, because I think that there's a lot of people that don't feel that they have really creative uh power in them because creative people are typically, you know, kind of set as like uh artists or designers or whatever.
• 40:17
  SPEAKER_00: Um but this whole born to create thing, I think, is really unique and it's uh it it's I hope it empowers some people to realize that they can be creative no matter what industry they're in or what they're doing in life.
• 40:26
  SPEAKER_02: Yeah, and you know, I I think maybe there's a future episode in here too of talking more about the money side specifically of uh you know creative entrepreneurship because artists and money sometimes they're like oil and water, you know.
• 40:39
  SPEAKER_02: Artistic people don't sometimes want to even think about the money side of it, but it's it's such a vital piece of the whole process.
• 40:46
  SPEAKER_00: Yes, it is.
• 40:47
  SPEAKER_00: Yes it is.
• 40:47
  SPEAKER_00: I agree.
• 40:48
  SPEAKER_02: Awesome.
• 40:48
  SPEAKER_02: Well, thanks so much.
• 40:50
  SPEAKER_00: All right, I appreciate it, man.
• 40:55
  SPEAKER_02: I hope that you enjoyed that interview with Jared Latigo as much as I did.
• 40:59
  SPEAKER_02: At the end of every interview, I want to share several things that I learned as a way to process the information that we just heard, but also as a way to make this very practical for you.
• 41:08
  SPEAKER_02: So here are several takeaways from my conversation with Jared.
• 41:12
  SPEAKER_02: Number one, financial wellness is a stewardship issue.
• 41:16
  SPEAKER_02: It's really easy to look at our money as its own little sort of box within our lives, but it's intimately connected to every other area of our lives, including our creative work.
• 41:26
  SPEAKER_02: Ultimately, our financial wellness is a matter of being a good steward or what you might call a manager of what God has entrusted to us.
• 41:34
  SPEAKER_02: Number two, getting out of debt can have a major impact on your ability to be creative and to serve others.
• 41:41
  SPEAKER_02: I asked Jared to come on the show because I wanted to explore the connection between debt and creativity, and boy did he deliver.
• 41:48
  SPEAKER_02: Jared laid out in clear detail how becoming debt free has helped reduce his stress and expand his family's ability to explore some new directions vocationally.
• 41:57
  SPEAKER_02: It's also given him the freedom to try new things that might not work.
• 42:02
  SPEAKER_02: Number three, the importance of having freedom in your life.
• 42:07
  SPEAKER_02: We often don't realize how much we are shackled to things that weigh us down and hold us back from achieving our dreams.
• 42:13
  SPEAKER_02: It might be debt, it might be a job that you hate, or it could even be something like a bad relationship.
• 42:18
  SPEAKER_02: But when you're free, you're able to do things that you want and also start fulfilling the dreams that God has for your life.
• 42:25
  SPEAKER_02: Number four, getting control of your finances helps you be a better entrepreneur.
• 42:31
  SPEAKER_02: Sometimes we think, if only I had a better job or I had more opportunities, then I could really start achieving my dreams.
• 42:38
  SPEAKER_02: But the reality is that our dreams start right here, right now, with what we have right in front of us at the moment.
• 42:44
  SPEAKER_02: Becoming a better manager of our resources and becoming a better employee will really help us develop the skills to apply to our entrepreneurial efforts later on.
• 42:54
  SPEAKER_02: Number five, develop an entrepreneurial mindset in your job.
• 42:59
  SPEAKER_02: I love how Jared emphasized how we can think like an entrepreneur even while we're employed by somebody else.
• 43:05
  SPEAKER_02: In fact, that's how we should think.
• 43:07
  SPEAKER_02: We should constantly be finding ways to add value to our company or our organization and to make it more profitable and successful.
• 43:15
  SPEAKER_02: It's not only more fun to think this way, it's also a great way to start proving our value to the leaders above us.
• 43:22
  SPEAKER_02: And finally, number six, you can quickly generate income.
• 43:26
  SPEAKER_02: Jared mentioned several ways to generate income quickly.
• 43:29
  SPEAKER_02: For example, selling things that we already have, getting a second job, or taking on some extra hours at work.
• 43:36
  SPEAKER_02: Are there any of those things that you could do within the next few weeks to help generate some extra income if you need it?
• 43:41
  SPEAKER_02: And my guess is that all of us can use extra income, right?
• 43:46
  SPEAKER_02: Well, my friends, that wraps up this episode of the Born to Create podcast.
• 43:50
  SPEAKER_02: You can find the show notes at KentSanders.net slash zero zero two.
• 43:56
  SPEAKER_02: For more great resources to help unleash your creativity, visit my site at KentSanders.net and you'll find all kinds of blog posts and resources there.
• 44:04
  SPEAKER_02: If you enjoyed this episode, please subscribe and leave a rating and a review in iTunes.
• 44:09
  SPEAKER_02: It only takes a minute, and you can do this by visiting Kentstanders.net slash iTunes.
• 44:15
  SPEAKER_02: I really enjoy reading these reviews, so make sure and put those up, and I would love to see those.
• 44:20
  SPEAKER_02: When you subscribe and leave a rating and a review on iTunes, you're helping other people find the show.
• 44:25
  SPEAKER_02: And when you leave a review, please include your Twitter handle and your review so I can give you a shout out here on the podcast.
• 44:32
  SPEAKER_02: Thanks so much in advance, and thanks to those who have already subscribed and left a rating and a review.
• 44:38
  SPEAKER_02: Finally, if you enjoyed this episode, please consider sharing it with a friend or a family member who you think might benefit from it.
• 44:45
  SPEAKER_02: Until next time, this is Kent Sanders telling you to go create something awesome.