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The Latino Wealth Mindset: Breaking the Beliefs That Hold Us Back · The Lawtino™

• 0:00
  SPEAKER_00: Welcome to the Latino Podcast, where we amplify the voices of Latino professionals, entrepreneurs, and leaders coming together to educate, inspire, and connect across one of the most dynamic binational regions in the world.
• 0:12
  SPEAKER_00: Bicultural, premium, powerful.
• 0:20
  SPEAKER_02: Hey, Sean Gomez with the latest episode of the Latino Podcast here live from the Celebrando Latinos event down here at the Gaylord Pacific in Sula Vista, California.
• 0:31
  SPEAKER_02: A whole bunch of powerful Latina and Latin leaders are with us.
• 0:36
  SPEAKER_02: Um, I'm joined as always by my co-host David Arreguin.
• 0:40
  SPEAKER_02: And this episode, as always, is brought to you by Gomez Tral Attorneys.
• 0:44
  SPEAKER_02: We are a binational law firm with offices both in the United States and Mexico, bicultural.
• 0:51
  SPEAKER_02: We offer the very highest level of legal representation in both the English and Spanish languages, and best in class.
• 0:58
  SPEAKER_02: We do believe we're the best lawyers of what we do.
• 1:01
  SPEAKER_02: So um I I'm joined by David Arrigin, who is a lawyer at the firm who runs our cross-border practice, who is in charge of reach uh reaching out and building coalitions and partnership.
• 1:13
  SPEAKER_02: And we have a very special guest today, the premier really Latino uh money um uh manager in the world is with us today.
• 1:22
  SPEAKER_02: And I know all you listeners care most about money, Plata Dinero.
• 1:27
  SPEAKER_02: So you were very pleased to have our guests with us.
• 1:29
  SPEAKER_02: Why don't you give him a formal introduction?
• 1:31
  SPEAKER_01: Yeah, of course, thank you, John.
• 1:32
  SPEAKER_01: And again, we're super excited to be here out celebrando Latinas.
• 1:35
  SPEAKER_01: Uh I was just speaking with our guest right before the the podcast started.
• 1:38
  SPEAKER_01: And I guess this is his uh third year being here.
• 1:42
  SPEAKER_01: Third year.
• 1:42
  SPEAKER_01: So we're excited about that.
• 1:43
  SPEAKER_01: And just the fact that he speaks about uh I like the title, finances with corazón.
• 1:48
  SPEAKER_01: Uh a little mix of, you know, like the Spanish and the English language.
• 1:52
  SPEAKER_01: Uh, but also he was speaking to me about the fact it's not only financial literacy, it's just empowering Latino uh people to actually take care of their finances.
• 2:02
  SPEAKER_03: Well, it's helping overcome their limiting cultural beliefs about money.
• 2:06
  SPEAKER_03: So what happens in the United States, we have a large wealth gap, right?
• 2:09
  SPEAKER_03: And we can go to every conference, conference like this, somebody will stand up and say, hey, we're 4.1 trillion spending power.
• 2:15
  SPEAKER_03: But the reason I feel that we've been under attack recently is because we there is no wealth power.
• 2:21
  SPEAKER_03: And so my job has been for the last 30 years is to try to build wealth in Latino communities.
• 2:25
  SPEAKER_03: Now, when I started, there was no internet, there was no Apple, there was no literacy.
• 2:29
  SPEAKER_03: So I wrote a book on literacy and nobody read it, and nothing changed.
• 2:32
  SPEAKER_03: And then I realized it was the financial mindset that Latinos had been taught, where it was, why bother if we're never gonna become wealthy?
• 2:38
  SPEAKER_03: So let's live today, today versus you know, delaying gratification.
• 2:41
  SPEAKER_03: Right.
• 2:42
  SPEAKER_03: So um that's kind of what what I'm all about.
• 2:45
  SPEAKER_02: Bo.
• 2:46
  SPEAKER_02: So I, you know, like I was gonna ask you about that, about the the mindset that some Latinos come into it with.
• 2:53
  SPEAKER_02: And you said, hey, we're never gonna get rich, so just live for the day.
• 2:56
  SPEAKER_02: You know, what other uh sort of self-limited thinking uh does this have?
• 3:01
  SPEAKER_03: Let me just share with you.
• 3:02
  SPEAKER_03: So I believe so the belief that I have, and let me give you, let me just get a little context.
• 3:06
  SPEAKER_03: So I used to work with multimillionaires and billionaires.
• 3:09
  SPEAKER_03: That was my clientele.
• 3:09
  SPEAKER_03: And in 1990, I had a tragedy strike, and I ended up going back to East Later to help my community that permanently stayed there.
• 3:15
  SPEAKER_03: And after writing six books, I realized that there were limited beliefs.
• 3:20
  SPEAKER_03: So I would see a couple that would come in, husband and wife, Latinos, he was working, typical uh uh traditional Mexican marriage, she's home taking care of two, three kids.
• 3:28
  SPEAKER_03: I would talk to the guy and say, Hey, listen, I wasn't even selling insurance at the time.
• 3:32
  SPEAKER_03: I'm just a wealth manager kind of financial planner.
• 3:34
  SPEAKER_03: And I would say, you really need term insurance, something very inexpensive for you to get.
• 3:39
  SPEAKER_03: And no matter what I did, I couldn't get them to purchase life insurance.
• 3:42
  SPEAKER_03: But the necessity and the need was there.
• 3:44
  SPEAKER_03: Nobody was selling anything, they had a need there.
• 3:46
  SPEAKER_03: I wasn't selling it.
• 3:46
  SPEAKER_03: So I said, This is what you need, and you need to get it.
• 3:49
  SPEAKER_03: And then I go to my dad and I said, Dad, what's wrong?
• 3:51
  SPEAKER_03: What am I missing?
• 3:53
  SPEAKER_03: And he says, Mijo, you don't understand that for the Latino male, especially the immigrant male, you talk about El Sancho.
• 3:59
  SPEAKER_03: And I go, Oh, that's right.
• 4:00
  SPEAKER_03: But Sancho's that if he dies, the wife gets some money, she ends up with a Sancho with the other guy, and he has talked about it.
• 4:07
  SPEAKER_01: Okay.
• 4:07
  SPEAKER_03: So then I teamed up with an attorney who's an estate planning attorney in East Los Angeles, where I went back to the community I grew up in, and I said, What can we do?
• 4:15
  SPEAKER_03: He says, Let's do an A-B trust.
• 4:17
  SPEAKER_03: Talk to him and tell him that, hey, and again, Latino is very superstitious.
• 4:21
  SPEAKER_03: You do a trust, I'm gonna die, right?
• 4:23
  SPEAKER_03: And again, we had to go over that those superstitions as well.
• 4:26
  SPEAKER_03: So we I tell a guy, what if we there was this instrument in which when you die, half of it would go to your wife, the other half would go to your kids, that your wife would take care of the you know, uh the money for your kids.
• 4:35
  SPEAKER_03: But if you were to remarry, that money stays with your kids.
• 4:38
  SPEAKER_03: No Sancho.
• 4:38
  SPEAKER_03: Oh, we no sanctions.
• 4:39
  SPEAKER_03: So we called it the anti-Sancho.
• 4:42
  SPEAKER_03: So the AB trusts, we call it the Sancho Claus, you know, instead of the Sancho Claus in the contract.
• 4:48
  SPEAKER_03: Um, you know, Latinos were were uh instead of focusing on their unique abilities, they're trying to do everything.
• 4:53
  SPEAKER_03: And you'd go to you go to Niss LA, and there was a guy who was sell who was doing their tax returns, selling you phone cards, selling you furniture, and so Latinos wouldn't go to a specialist, right?
• 5:02
  SPEAKER_03: They would go El Milusos.
• 5:04
  SPEAKER_01: And and we see that even here, you know, off the border.
• 5:06
  SPEAKER_01: I mean, I don't I don't want to say like areas, but there are specific areas that only target these type of people, right?
• 5:12
  SPEAKER_01: And unfortunately, they're not CPAs, they're not tax people, they're just people who fill out forms.
• 5:17
  SPEAKER_03: Yeah, and and and so the notario, right?
• 5:19
  SPEAKER_03: So you they said they're going to an attorney.
• 5:21
  SPEAKER_03: And so that's what I was doing.
• 5:22
  SPEAKER_03: The other thing is that we want to make sure they had a strong financial foundation.
• 5:26
  SPEAKER_03: I would say, hey, there were people in our community because I handle a lot of it really high-level entertainers making millions, but they still end up losing all their money because what happens, they grew up in poverty, they never built the wealth education and and and never overcame these limiting beliefs.
• 5:40
  SPEAKER_03: So they build a life on a really shallow foundation.
• 5:43
  SPEAKER_03: And that's why you say, well, why do people who win the lot or why are people who make a lot of money end up losing all their money?
• 5:47
  SPEAKER_03: You win a lot of money for people in cases, and some of these people probably never yet kept the money because they didn't have that financial foundation, a strong foundation.
• 5:55
  SPEAKER_03: So my job is to dig deep for these people, teach them uh that money is just a tool to live a better quality of life.
• 6:02
  SPEAKER_03: Because I've always said I've never seen a U-Haul behind a hearse.
• 6:05
  SPEAKER_03: You're not gonna take anything with you.
• 6:07
  SPEAKER_03: Money is a tool to live a better quality of life.
• 6:09
  SPEAKER_03: I'll give you one last example.
• 6:11
  SPEAKER_03: Where I grew up, there was over 50% high school dropout rates.
• 6:14
  SPEAKER_03: So when you go see a financial planner, the first thing they're gonna teach you is to go get a 529 plan.
• 6:19
  SPEAKER_03: They're gonna say, How old is your kid?
• 6:20
  SPEAKER_03: Eight years old.
• 6:21
  SPEAKER_03: Oh, he's got 10 years to go to college.
• 6:22
  SPEAKER_03: What college would you like him to go here?
• 6:24
  SPEAKER_03: San Diego State.
• 6:24
  SPEAKER_03: Fantastic.
• 6:25
  SPEAKER_03: It's gonna be so much.
• 6:26
  SPEAKER_03: And then we'll figure out the cash flow, how much you need to put away a month, what the money's gonna grow to, yada, yada, yada.
• 6:31
  SPEAKER_03: We don't.
• 6:32
  SPEAKER_03: We sit down and the parents must bring the kids report cards.
• 6:36
  SPEAKER_03: They must bring a letter from their English and math teacher to see how they're doing.
• 6:39
  SPEAKER_03: Because if the kids are getting C's and D's, who gives the rats, you know what I mean.
• 6:44
  SPEAKER_03: If if if you're putting away a thousand dollars a month for their education, then probably most likely not going to get in.
• 6:49
  SPEAKER_03: Or if they do, they're not gonna finish, which most Latinos never do.
• 6:52
  SPEAKER_03: So it was going back and using, so we would then take the money instead of putting them in an education plan, we would hire uh people to uh elevate their self-esteem.
• 7:01
  SPEAKER_03: We would hire tutors, we would hire, dude, the same thing for couples, and so it it that's kind of the approach that we've taken.
• 7:07
  SPEAKER_03: That's what I've written, and that's what I do when I do the television show for PBS called Opportunity Knox.
• 7:11
  SPEAKER_03: That's what how we help the people on the television show as well.
• 7:14
  SPEAKER_01: That's good, because I feel like PBS has a lot of reach.
• 7:16
  SPEAKER_01: You know, like how do you get that gig?
• 7:18
  SPEAKER_03: Well, they reach so the thing is that I've been doing this for the long time.
• 7:21
  SPEAKER_03: I'm considered one of the first, if not the first, Latino certified financial planner in the country.
• 7:25
  SPEAKER_03: I've written six books with Harper Collins, Thomas Nelson.
• 7:28
  SPEAKER_03: I'm the first Latino ever on the National Board of the Certified Financial Planning Board of Standards.
• 7:33
  SPEAKER_03: I've been doing NBC, ABC morning shows.
• 7:35
  SPEAKER_03: I'm on CNBC's advisory council.
• 7:38
  SPEAKER_03: So they looked, they wanted somebody to handle the Hispanic.
• 7:41
  SPEAKER_03: They got Gene Chatsky doing the English version, who was on the Today Show for 24 years.
• 7:45
  SPEAKER_03: So they came to me and they said we can do it.
• 7:47
  SPEAKER_03: Now we're on the fourth season and uh we're changing people's lives.
• 7:50
  SPEAKER_03: We get couples uh to come on and we get we have a big team and we basically do a completely financial life overhaul.
• 7:57
  SPEAKER_03: And and it's it's phenomenal.
• 7:58
  SPEAKER_03: If they get to get chats to, and they can stream it.
• 8:00
  SPEAKER_03: Just go to PBS.org and they can stream the shows.
• 8:03
  SPEAKER_03: Very nice.
• 8:03
  SPEAKER_02: See, I'll tell you, you um you made me think, you know, because a lot of our clients are obviously uh Latinos, maybe not well educated, not very sophisticated financially.
• 8:14
  SPEAKER_02: And then at the end of their case, like you said, I give them a big pile of money.
• 8:18
  SPEAKER_02: And, you know, if it's a kid, the court will oversee that and make sure it's in a structure, an annuity, or something.
• 8:25
  SPEAKER_02: But I feel like you might be a benefit and service to those clients just to kind of give them some counseling and guidance to make sure they're not giving it to family members, spending it so fast.
• 8:36
  SPEAKER_03: Well, that they're setting the proper structure, right?
• 8:38
  SPEAKER_03: The proper estate plan and making sure.
• 8:40
  SPEAKER_03: Again, the problem is let me just share with you.
• 8:43
  SPEAKER_03: So the Latino will probably end up buying a piece of property if he has some money for the first time, go buy a house.
• 8:47
  SPEAKER_03: Yeah.
• 8:47
  SPEAKER_03: But he'll never put in a trust.
• 8:48
  SPEAKER_03: They die, it goes through probate.
• 8:50
  SPEAKER_03: So the thing is, the goal is that how do you build wealth and then how do you make pass it on to the next generation?
• 8:55
  SPEAKER_03: But if you pass it to the next generation and you haven't taught them either, they're gonna blow it.
• 8:59
  SPEAKER_03: Yeah, they'll spend the money because human nature says I they'll spend money that's considered found if they haven't worked for it.
• 9:06
  SPEAKER_03: So we've got to take a step back and start training the younger kids.
• 9:08
  SPEAKER_03: And when I say young kids, I mean the parents are in their 60s, the kids are in their 40s.
• 9:12
  SPEAKER_03: So we're teaching 40-year-old people to how to manage money, right, for the for their future and their grandkids as well.
• 9:17
  SPEAKER_01: How are you addressing?
• 9:19
  SPEAKER_01: Because I see, like, for example, growing up, I grew up in Tijuana.
• 9:21
  SPEAKER_01: Yeah.
• 9:22
  SPEAKER_01: I feel like uh, you know, you get to the US, they don't really teach you about like how to manage your wealth or how to acquire wealth.
• 9:29
  SPEAKER_01: Like, what what are people doing to like educate Latino, young Latino people on how to manage your finances, for example?
• 9:36
  SPEAKER_03: Well, it's not even at this point how to manage your finances.
• 9:38
  SPEAKER_03: We we've got something that's coming up, we've got AI, right?
• 9:41
  SPEAKER_03: And so you've got young kids who are starting college or earning college grade, they may not even have a career path in the next five to ten years.
• 9:47
  SPEAKER_03: Right.
• 9:47
  SPEAKER_03: Um, we're seeing the legal profession, we're seeing the financial planning profession.
• 9:50
  SPEAKER_03: And so you have to teach, you have to use some of the money that they're gonna be investing in and figuring how to give them the skills that they're gonna need in the new economy, how to pivot, how to be flexible, how to be able to uh see what's coming and be able to take whatever resources are available and convert them into money.
• 10:07
  SPEAKER_03: So, for example, right now, uh Elon Musk comes out with a cyber cab, right?
• 10:12
  SPEAKER_03: And you say, Well, I I could buy four of them, it's gonna cost me 120,000, but I can create revenue of$100,000.
• 10:19
  SPEAKER_03: The goal is to figure out how to make money, but also how to keep it, right?
• 10:23
  SPEAKER_03: And you and the problem is when you've never had money, some of the kids end up buying a lot of junk that they don't need.
• 10:29
  SPEAKER_03: The very expensive car, the very expensive watch, the very expensive everything, right?
• 10:34
  SPEAKER_03: So it's it's the same thing.
• 10:35
  SPEAKER_03: So the goal is there's a lot, there's a lot of contextual stuff that you got to put together.
• 10:40
  SPEAKER_03: The mindset, the money, and how do you want to go wealth?
• 10:42
  SPEAKER_03: And money, you know, a lot of people make money, but never stays.
• 10:45
  SPEAKER_03: Some people lose all of it.
• 10:46
  SPEAKER_03: But if you teach them how to make it again, John, I bet you we can I can make you broke tomorrow, and I guarantee you within a year or two, you'll be rich again.
• 10:53
  SPEAKER_03: You'll figure it out because you you that's in your that's that's all already in your mindset as well.
• 10:57
  SPEAKER_01: Now I think it's a mindset.
• 10:58
  SPEAKER_01: Like again, growing up in Tijuana and then working, for example, in San Isidro, Las Americas.
• 11:02
  SPEAKER_01: People would work retail, but they would be spending way too much money, money that they didn't have.
• 11:07
  SPEAKER_01: Right.
• 11:07
  SPEAKER_01: So what I would see is people in high school spending$10,000 on a credit card and they couldn't afford it.
• 11:13
  SPEAKER_01: Like, why are they spending all that money if you don't have it?
• 11:15
  SPEAKER_01: For me, it was different because I'm like, I know I was making$725 an hour.
• 11:19
  SPEAKER_01: Right.
• 11:19
  SPEAKER_01: And then if I want to buy sunglasses, it takes me days to afford sunglasses.
• 11:23
  SPEAKER_01: Right, right.
• 11:24
  SPEAKER_03: So that's the way that but well, the problem is that nobody, they've never had, they've never had anyone that they've that they've lived with or been with that can show them how to do it, right?
• 11:35
  SPEAKER_03: It's a lot more mentorship, right?
• 11:37
  SPEAKER_03: Right?
• 11:37
  SPEAKER_03: You can you can take classes.
• 11:39
  SPEAKER_03: I guarantee you, if we had right now, I think there's a crisis among Latino men, young men, that they're, you know, they're they're going less to college than Latina women, right?
• 11:48
  SPEAKER_03: Um, they're more incarcerated.
• 11:50
  SPEAKER_03: I guarantee you, if the three of us sat with a group of 25 Latino men, we would do more and mentoring, we would give them more ideas, more epiphanies, more knowledge than them reading a book or taking a class on how to uh budget or how credit cards work.
• 12:04
  SPEAKER_03: Because we've been there, we've done that, we've struggled, we know how to get there.
• 12:07
  SPEAKER_03: So that's what my books are.
• 12:09
  SPEAKER_03: They're not about how do you budget.
• 12:11
  SPEAKER_03: I never write about how do you save in an ETF fund.
• 12:13
  SPEAKER_03: That's all commoditized information at this point.
• 12:15
  SPEAKER_03: You can get it anywhere.
• 12:16
  SPEAKER_03: They don't have the experience and they don't have somebody that they can see who's from Tijuana who's already made it, right?
• 12:22
  SPEAKER_03: They don't have anybody around them.
• 12:23
  SPEAKER_03: So now they see now you're their mentor, you're their guide.
• 12:25
  SPEAKER_03: And you may sometimes be one step ahead of them or maybe 10 steps ahead of them, but you're now a guide for them.
• 12:30
  SPEAKER_03: So that's why I'm saying at some point right now, we also have to get a lot of Latino men who've been successful to kind of give back to the communities by mentoring young kids.
• 12:38
  SPEAKER_03: I agree.
• 12:39
  SPEAKER_02: Um, I think there's a real lack of that, you know.
• 12:42
  SPEAKER_02: Um, and you know, I I think we try to get out of the community, we try to affect a lot of people, we try to be good role models, but but the the population you're talking about, you know, really needs some some mentors and and guidance, I think.
• 12:57
  SPEAKER_01: Yeah.
• 12:58
  SPEAKER_01: Especially with all the information that we have, for example, for all the high schools, all the Latino uh men and women that are gonna be graduating soon.
• 13:05
  SPEAKER_01: Like we we keep talking about this, right?
• 13:07
  SPEAKER_01: Like it's the majority of the population at this point.
• 13:09
  SPEAKER_02: Like, yeah, I look in market trends, you know, I'm very interested in, you know, what the legal market's gonna look like, the consumer market's gonna look like.
• 13:17
  SPEAKER_02: And so I look at public school enrollment, and like right now it's in the 60% for Hispanic, you know.
• 13:24
  SPEAKER_02: So for sure, you know, the and we're already the number one population base in the state.
• 13:30
  SPEAKER_02: That'll just continue to grow.
• 13:32
  SPEAKER_03: Well, 20% right now.
• 13:33
  SPEAKER_03: Currently, nationally, 20% of that of the US demographic is Latino, 69 million.
• 13:38
  SPEAKER_03: We're projected by the year 20, I think in the next 15 years to go to 28%.
• 13:42
  SPEAKER_03: You take that, you take African Americans at 13, 14 percent.
• 13:45
  SPEAKER_03: I mean, we're basically almost half of the population, right?
• 13:49
  SPEAKER_03: And the problem is this there used to be this concept called the golden rule.
• 13:53
  SPEAKER_03: The golden rule, the biblical golden, do unto others, you would have them do unto you.
• 13:57
  SPEAKER_03: But currently, right now, the golden rules, he who has the gold rules.
• 14:00
  SPEAKER_03: And so at this point, right now, that's why I have, I've been doing this for a long time, but I took a I took a few years off because I have a lot of really large entertainers that have grown really big and handling them, but I've jumped back into this speaking gig and writing books again because I've realized after so many years, there's still a lot of racial inequality, there's a lot of wealth gap inequality with Latinos, and we got to teach them how to build wealth, not how to spend more, not how to earn more.
• 14:27
  SPEAKER_03: You can earn more and spend more, but that doesn't make you wealthy, right?
• 14:30
  SPEAKER_03: And and we we realize that it and and people who listen to us will say, Well, I don't make enough money.
• 14:36
  SPEAKER_03: So here's the thing: I worked with multimillionaires and billionaires at Kenneth Leventhal in Newport Beach, California, back in the 80s and 90s.
• 14:42
  SPEAKER_03: I go back to Boyle Heights in East LA.
• 14:45
  SPEAKER_03: I was there for 15 years.
• 14:46
  SPEAKER_03: Now it's been 40 years doing this work.
• 14:48
  SPEAKER_03: I have probably over a hundred Latinos from Boyle Heights who never made more than 60,000, who have over$2 million invested with me.
• 14:56
  SPEAKER_03: Wow.
• 14:56
  SPEAKER_03: So the thing is, and they and they were all immigrants, but you got it, all blue-collar, non-highly educated because they just did what we asked them to do.
• 15:03
  SPEAKER_03: And again, we didn't take advantage of them because it was all about how do we work with them first, how do we change them.
• 15:08
  SPEAKER_03: It's it's once you've you've got the right mindset, everything happens.
• 15:13
  SPEAKER_03: You got to get your why first.
• 15:14
  SPEAKER_03: Your why is the most important part.
• 15:15
  SPEAKER_03: So man, I love that story about all those uh millionaires from Boyle Heights.
• 15:20
  SPEAKER_03: That's incredible.
• 15:21
  SPEAKER_03: Yeah, and so the new book, Finances con Corazon, basically uses all I've used hundreds and hundreds of tools and coaching material, and I've plucked out all the stuff that really worked, that really changed lives, and I put them in the brand new book.
• 15:34
  SPEAKER_03: So it's my sixth book, and this is a book that I know that it's my legacy book that if people get it and read it, it'll help them transform how they think.
• 15:43
  SPEAKER_03: Then and the information is easy.
• 15:45
  SPEAKER_03: And with AI, you can get any financial planning question answered anymore, right?
• 15:49
  SPEAKER_03: You can't go to trial, I can't, I can't go to trial by myself, but I can get a lot of legal information, of course, you know, in AI.
• 15:55
  SPEAKER_02: Yeah, we have uh suddenly a very well um a well-informed client base.
• 16:00
  SPEAKER_02: They have a lot of legal knowledge all of a sudden.
• 16:02
  SPEAKER_02: Yeah, according to you if you're coming to your chat.
• 16:06
  SPEAKER_02: Hey, but John, is it blah blah blah?
• 16:08
  SPEAKER_02: Yeah, maybe.
• 16:09
  SPEAKER_02: Well, thank you, sir.
• 16:10
  SPEAKER_02: I know you have a hard stop coming up.
• 16:11
  SPEAKER_02: Yeah, um, I know you're gonna be speaking on the big stage here in 10 minutes.
• 16:15
  SPEAKER_02: Um, but where can people find you if they want to buy your books?
• 16:18
  SPEAKER_02: Yeah, learn more about it.
• 16:19
  SPEAKER_03: If they go to Luis Barajas, L-O-U-I-S-B-A-R-A-J-A-S.com, my name is Louis Barajas.com, they'll see they can download and stream the PBS television show.
• 16:29
  SPEAKER_03: They can see the list of all the books in English and Spanish.
• 16:31
  SPEAKER_03: They can see all our coaching material there.
• 16:34
  SPEAKER_03: Uh, they can see the the I, you know, I run five companies and they can see what we do there as well.
• 16:38
  SPEAKER_03: Amazing.
• 16:39
  SPEAKER_03: Or LinkedIn, or or you know what?
• 16:41
  SPEAKER_03: Or Instagram.
• 16:42
  SPEAKER_03: I I post twice a day on on basically TikTok, and they post it over to move it over to Instagram and Facebook and LinkedIn.
• 16:49
  SPEAKER_03: So yeah, twice a gonna post it.
• 16:51
  SPEAKER_03: I'm sure you guys are posting a lot of things.
• 16:52
  SPEAKER_01: I mean, we'll make sure to tack you, you know.
• 16:53
  SPEAKER_02: You'll you'll get the Latino on your feed.
• 16:55
  SPEAKER_02: There you go.
• 16:55
  SPEAKER_02: Well, thank you so much for what you're doing for the community.
• 16:57
  SPEAKER_02: Money talks, and you're helping our community establish wealth, gives a greater voice and um platform to that community.
• 17:06
  SPEAKER_02: And so finally, as our close out uh question, I always like to ask our guests if you could write in the in the sky words for the whole world to see that would be up there for all of us forever.
• 17:16
  SPEAKER_02: What would your words be?
• 17:17
  SPEAKER_03: I've never seen a U-Haul behind a hearse.
• 17:19
  SPEAKER_03: Yes, you're not gonna take anything with you and and uh and make sure that you use money to live out the best version, best best quality life that you can.
• 17:27
  SPEAKER_02: I love it.
• 17:28
  SPEAKER_02: Well, thank you for being with us today.
• 17:30
  SPEAKER_02: Thank you for being here.
• 17:31
  SPEAKER_02: Thank you for the work you do for the community.
• 17:32
  SPEAKER_02: Look forward to keeping in touch.
• 17:34
  SPEAKER_02: I appreciate you guys.
• 17:35
  SPEAKER_02: All right, thank you for that.
• 17:36
  SPEAKER_02: Thank you.
• 17:37
  SPEAKER_02: Thank you.
• 17:37
  SPEAKER_02: That signs off this episode of the Latino Podcast.