Latest / Glovisor Podcast / Business Owners: Stop Overpaying Taxes and Keep More Profit [Ep 91]

Transcript

Business Owners: Stop Overpaying Taxes and Keep More Profit [Ep 91] · Glovisor Podcast

• 0:00
  Speaker 1: We can think that sweat equity is the only way
• 0:03
  Speaker 1: to make money in our business, but the smart business owners,
• 0:07
  Speaker 1: they actually use money to make money. So we're talking
• 0:11
  Speaker 1: about working smarter and less hard.
• 0:17
  Speaker 2: Welcome to the GoVisor podcast, where we explore business growth, communication,
• 0:21
  Speaker 2: and personal development through real conversations with people who make
• 0:24
  Speaker 2: an impact. Our guest has nearly a decade of hands-on
• 0:29
  Speaker 2: business management experience. She specializes in proactive tax strategy and
• 0:34
  Speaker 2: helping business owners keep more of what they built. Globizer
• 0:38
  Speaker 2: welcomes Hava Lauden.
• 0:41
  Speaker 1: Hey, Joe. Thank you so much for having me.
• 0:43
  Speaker 2: Oh, it's a pleasure.
• 0:44
  Speaker 1: All right.
• 0:45
  Speaker 2: So, Hava, let's start it off. What specific problem does
• 0:48
  Speaker 2: your business solve and who do you help?
• 0:51
  Speaker 1: Yeah, so we primarily work with business owners that are
• 0:55
  Speaker 1: scaling and growing. I love that we live in a
• 0:57
  Speaker 1: country where if someone has a product, an idea, a concept,
• 1:01
  Speaker 1: they can go to work for themselves. The problem is
• 1:04
  Speaker 1: it's getting very complex just to do that. And so
• 1:08
  Speaker 1: what we do is we come alongside those business owners
• 1:10
  Speaker 1: and we handle a lot of the financial side from
• 1:13
  Speaker 1: bookkeeping to tax filing and tax advisory, helping them make
• 1:17
  Speaker 1: those decisions so that they are paying less and growing better.
• 1:20
  Speaker 2: Well, can you explain to us a little bit of
• 1:22
  Speaker 2: what is the difference between tax filing and the advisory
• 1:26
  Speaker 2: side of it?
• 1:27
  Speaker 1: Yeah, absolutely. So in the accounting world, we call it compliance, really,
• 1:32
  Speaker 1: because everybody has to file a return. You know, when
• 1:36
  Speaker 1: you do B2B, you're usually doing an ROI, right? So
• 1:40
  Speaker 1: it's like, Joe, I have this thing, you know, whatever
• 1:43
  Speaker 1: I do, marketing or whatever, but you expect to make
• 1:46
  Speaker 1: more than what you pay me to do it. Like,
• 1:48
  Speaker 1: that's just the ROI. With what we do, there's this
• 1:50
  Speaker 1: kind of complex thing where it's like, you know, you're
• 1:53
  Speaker 1: not going to make anything when I file a return.
• 1:56
  Speaker 1: Nobody wins there except really the government. But when it
• 2:00
  Speaker 1: comes to advisory, what that is, is it's proactive tax
• 2:04
  Speaker 1: planning because there's a lot like you have to take
• 2:06
  Speaker 1: the law to find the strategies and then you have
• 2:10
  Speaker 1: to bookend it with the strategies, right? Or with the law,
• 2:13
  Speaker 1: because if you do one without the other, you end
• 2:16
  Speaker 1: up in a bad situation. So compliance, filing and that
• 2:19
  Speaker 1: type of thing. That is making sure that you're compliant
• 2:22
  Speaker 1: and that you're not going to get in trouble with
• 2:23
  Speaker 1: the IRS. That's really what they care about. What I
• 2:27
  Speaker 1: really am passionate about is helping business owners like look
• 2:30
  Speaker 1: at the law and say, OK, here's what's going on
• 2:32
  Speaker 1: in my business, my family, my situation. You know, what
• 2:36
  Speaker 1: opportunities do I have to capitalize on what the law
• 2:39
  Speaker 1: is and apply it so I can save more in taxes?
• 2:42
  Speaker 2: It seems really daunting, especially if you're starting a business
• 2:45
  Speaker 2: and all of a sudden they're telling you that you
• 2:47
  Speaker 2: have to file this and you have to file that.
• 2:50
  Speaker 2: And then it'll be a nightmare even if you start
• 2:52
  Speaker 2: crossing state lines and you have to file in different states.
• 2:55
  Speaker 2: Is there an easy way to remember what you have
• 2:58
  Speaker 2: to do?
• 2:59
  Speaker 1: I think work with the right professional. But one of
• 3:02
  Speaker 1: the things that, especially with really new business owners, I
• 3:05
  Speaker 1: think one of the things that absolutely blindsides them is
• 3:08
  Speaker 1: that self-employment tax. Because if they've been a W-2 earner,
• 3:12
  Speaker 1: number one, their portion of FICA has been coming out
• 3:16
  Speaker 1: of their paycheck, which is 7.2-ish percent. But the other
• 3:21
  Speaker 1: part is their employer has been paying the other half.
• 3:24
  Speaker 1: And so when you go into business for yourself and
• 3:26
  Speaker 1: especially like you're not withholding all year, maybe it's your
• 3:29
  Speaker 1: first year or maybe this is the first year that
• 3:31
  Speaker 1: you really made a lot of money. And then all
• 3:33
  Speaker 1: of a sudden, I can't tell you how many returns
• 3:35
  Speaker 1: I filed where the majority was that self-employment tax because
• 3:40
  Speaker 1: you take your net profit and you times it by 15.3%
• 3:45
  Speaker 1: before you do federal, before you do state, before you
• 3:48
  Speaker 1: do local, if you have those things, And so sometimes, oftentimes,
• 3:52
  Speaker 1: especially with small businesses, that is the biggest tax. And
• 3:56
  Speaker 1: so a lot of small business owners are blindsided by that.
• 3:59
  Speaker 1: And it's something that, A, when you get to a
• 4:02
  Speaker 1: certain point, there's things that can be done to mitigate that.
• 4:05
  Speaker 1: But B, you do need to be planning for it.
• 4:08
  Speaker 2: Some individuals started off in their own name, right? Small business,
• 4:12
  Speaker 2: you know, I'm Joe and I'm providing services. And at
• 4:16
  Speaker 2: some point I have to make a decision. When do
• 4:18
  Speaker 2: I go to the LLC? When do I go to
• 4:19
  Speaker 2: the S Corp? Is there a dollar amount that you
• 4:23
  Speaker 2: professionals have in mind where it would be the next
• 4:26
  Speaker 2: step or next stage?
• 4:28
  Speaker 1: I love this question because. I find that business owners
• 4:32
  Speaker 1: are very confused by this topic, right? So I want
• 4:35
  Speaker 1: to first start by saying that anybody can do business
• 4:38
  Speaker 1: in their own name with their own social security number.
• 4:42
  Speaker 1: You can then become an LLC and get an EIN.
• 4:46
  Speaker 1: That has no tax implications in and of itself. That's
• 4:50
  Speaker 1: more of a legal structure. And I'm not a lawyer
• 4:53
  Speaker 1: and I don't give legal advice, but I do want
• 4:55
  Speaker 1: to throw out there that I see sometimes people putting
• 4:59
  Speaker 1: more weight on the protection of those three letters behind
• 5:02
  Speaker 1: their business name than they should. That is absolutely a
• 5:05
  Speaker 1: part of it. And I'm not disregarding it. I think
• 5:07
  Speaker 1: it's a great way to go. Again, that's not legal advice.
• 5:10
  Speaker 1: But I think people need to understand that does zero
• 5:13
  Speaker 1: for their taxes. On their tax return, there are still taxes, though.
• 5:17
  Speaker 1: They're a sole proprietor. Now, an S-Corp is a tax election.
• 5:22
  Speaker 1: So that takes typically an existing, you know, it can
• 5:25
  Speaker 1: be done in conjunction with forming a new LLC, but
• 5:29
  Speaker 1: it takes typically an existing LLC and say, okay, we
• 5:32
  Speaker 1: want to be taxed as an S-Corp election, do an
• 5:35
  Speaker 1: S-Corp election. So we're taxed that way. Now, the thing
• 5:38
  Speaker 1: about the S-Corp election is kind of coming back to
• 5:41
  Speaker 1: what I mentioned earlier about the 15.3%. Instead of like,
• 5:46
  Speaker 1: you just like, okay, let's say, let's just use really
• 5:49
  Speaker 1: simple numbers. Let's say you grossed 20 grand and you
• 5:53
  Speaker 1: netted 10. And I just want to insert this too.
• 5:56
  Speaker 1: This is another mistake I'm seeing is business owners will
• 5:58
  Speaker 1: look at their gross and not their net. And that
• 6:01
  Speaker 1: is really, you know what, I mean, both numbers matter, right?
• 6:04
  Speaker 1: But like, let's say you netted. So that's what you're
• 6:06
  Speaker 1: going to be taxed on. You know, you grow your
• 6:08
  Speaker 1: gross minus expenses, minus everything that comes out and then
• 6:12
  Speaker 1: your net. That's what that 15.3% is on. Now, if
• 6:16
  Speaker 1: you make an S-Core election, you are mandated to go
• 6:20
  Speaker 1: on payroll yourself. Now you're an employee of your own business.
• 6:24
  Speaker 1: So you're paying that FICA, you're withholding that as it's
• 6:27
  Speaker 1: coming out of your check. But what happens is now
• 6:31
  Speaker 1: it doesn't have to be the entire net of the
• 6:33
  Speaker 1: business that gets taxed that way. It's what's coming out
• 6:36
  Speaker 1: of your check. So the additional profit from the business
• 6:40
  Speaker 1: that does not, it's not subject to that 15.3%. So
• 6:44
  Speaker 1: it can be a massive savings. However, I do like
• 6:48
  Speaker 1: to be very clear that it does come with additional requirements.
• 6:52
  Speaker 1: It comes with its own tax return. It comes with
• 6:54
  Speaker 1: monthly or court, whatever payroll file, you know, there's stuff
• 6:58
  Speaker 1: to it.
• 6:58
  Speaker 2: Right.
• 6:59
  Speaker 1: And so I think we had chatted about this earlier.
• 7:01
  Speaker 1: I think that between 50 and 100 grand is often
• 7:06
  Speaker 1: the most painful portion in an entrepreneur's life. Because once
• 7:11
  Speaker 1: you cross that 50 grand net, and I'm talking net here,
• 7:15
  Speaker 1: the FICA self-employment task is really high. It can really
• 7:22
  Speaker 1: blindside you. But then it becomes a trade-off. Do I
• 7:26
  Speaker 1: invest in what it takes to go into an S-Corp
• 7:29
  Speaker 1: and settle that up and maintain it and stuff like that?
• 7:32
  Speaker 1: And different tax advisors like have very different, I mean,
• 7:35
  Speaker 1: some will say 40, some will say 60, some will
• 7:37
  Speaker 1: say 100. You know, one of the things that I
• 7:40
  Speaker 1: look very heavily at for a business owner is what
• 7:43
  Speaker 1: is their trajectory, right? Because there's two parts to it.
• 7:46
  Speaker 1: There's the initial setup that you're going to pay for,
• 7:48
  Speaker 1: but then there's ongoing maintenance. So If your trajectory is good,
• 7:52
  Speaker 1: I might say, let's do it a little early because
• 7:55
  Speaker 1: bite the bullet now or later, it might be a
• 7:58
  Speaker 1: washout this year, but next year it's going to be great.
• 8:02
  Speaker 1: But if you're kind of up and down, I might
• 8:04
  Speaker 1: say wait a little bit until you stabilize. The first
• 8:06
  Speaker 1: thing is to get that cash flowing. And then once
• 8:09
  Speaker 1: that cash flowing though, don't forget to go back and
• 8:12
  Speaker 1: look at what you need to do to capitalize on it.
• 8:16
  Speaker 2: One thing that came to mind right now is that
• 8:19
  Speaker 2: I've heard from some of the business owners that it really,
• 8:24
  Speaker 2: you have to net over a hundred thousand to have
• 8:26
  Speaker 2: a tax professional really get involved. Otherwise, maybe I can
• 8:29
  Speaker 2: go to one of those franchise locations and just have
• 8:32
  Speaker 2: them help me. What do you say about that?
• 8:36
  Speaker 1: Well, I'm probably a little bit unusual in my field
• 8:39
  Speaker 1: from the vantage point of like, just inherently, I think
• 8:43
  Speaker 1: it's sad that people have to pay somebody to tell
• 8:45
  Speaker 1: them how much they owe. Like that whole scenario is
• 8:47
  Speaker 1: just a difficult one. So I never begrudge someone who's
• 8:50
  Speaker 1: like self-filing or, you know, finding an inexpensive way. Again,
• 8:55
  Speaker 1: the first thing you want to do when you start
• 8:57
  Speaker 1: a business, aside from like making sure you're set up safely,
• 9:01
  Speaker 1: you know, but it's to get that net, see that
• 9:04
  Speaker 1: net growing, right? And so if you do what you
• 9:07
  Speaker 1: got to do, as long as you're compliant, you know,
• 9:09
  Speaker 1: I'm just going to say do what you got to do.
• 9:11
  Speaker 1: I would definitely say the closer you get to 100%
• 9:15
  Speaker 1: grand of net, the easier it is. And the hard
• 9:18
  Speaker 1: truth is the more tax liability you have, the easier
• 9:22
  Speaker 1: it is to mitigate it. Part of that's just because
• 9:24
  Speaker 1: you have more liquidity, but part of it is just
• 9:26
  Speaker 1: because more things come in. I mean, more complications come
• 9:30
  Speaker 1: in as well, right? So that's where you're going to
• 9:32
  Speaker 1: really see the importance of, you know, advisory, you're going
• 9:37
  Speaker 1: to see the ROI. So that part of it, I
• 9:39
  Speaker 1: do like my clients to see ROI. So I'm like
• 9:41
  Speaker 1: straight up with people. One of the things that we do,
• 9:45
  Speaker 1: so we do bookkeeping as well. So sometimes what I'll
• 9:48
  Speaker 1: do is with a new client, I'll say, let's just
• 9:52
  Speaker 1: start doing your bookkeeping. Because that is an overlooked thing too.
• 9:57
  Speaker 1: The data from that to grow your business is so critical.
• 10:00
  Speaker 1: So what I'll do for my clients sometimes though, is,
• 10:02
  Speaker 1: you know, I'll just check in on it and then
• 10:05
  Speaker 1: I'll be like, maybe it's time to have this conversation.
• 10:07
  Speaker 1: Like I have, we have the October 15th deadline right now.
• 10:11
  Speaker 1: But after that, you know, I have a list of
• 10:12
  Speaker 1: clients that we're going to have the conversation of what
• 10:15
  Speaker 1: does this look like now for you? So I would say,
• 10:18
  Speaker 1: As soon as you can, start working with a tax
• 10:20
  Speaker 1: professional that's at least open to those conversations. Even if
• 10:23
  Speaker 1: you're not in an advisory package immediately, at least if
• 10:29
  Speaker 1: you possibly can, work with someone who's sympathetic and open
• 10:31
  Speaker 1: to it.
• 10:32
  Speaker 2: Depending on your training and experience that you have, you
• 10:36
  Speaker 2: may not know some of the deductions that might be
• 10:39
  Speaker 2: available to certain business owners at different levels. So that
• 10:42
  Speaker 2: was one of the reasons I had asked that question.
• 10:45
  Speaker 2: And with that, I want to ask, what is like
• 10:47
  Speaker 2: one of the most common things that people overlook that
• 10:50
  Speaker 2: they can deduct?
• 10:52
  Speaker 1: So I'm going to answer this a little bit different
• 10:53
  Speaker 1: because this is more of an uncommon concept that is
• 10:58
  Speaker 1: just grossly, I think, overlooked. And that has to do
• 11:02
  Speaker 1: with the home office deduction. I mean, you're familiar with it, right?
• 11:06
  Speaker 1: The power of the home office deduction is actually not
• 11:10
  Speaker 1: the home office deduction. it's really not that great. I mean,
• 11:13
  Speaker 1: unless you're going to like itemize and you're going to
• 11:15
  Speaker 1: like throw in depreciation, which can also come into issues
• 11:20
  Speaker 1: like later on things you have to look at, you're
• 11:23
  Speaker 1: maxed out at $ 1, 500. And that's not like tax credit.
• 11:26
  Speaker 1: Like that's just like an expense on your profit and loss,
• 11:30
  Speaker 1: you know? And so it's not great. But what is
• 11:32
  Speaker 1: great about the home office deduction is having in a
• 11:36
  Speaker 1: home office means that your mileage can kick in the
• 11:40
  Speaker 1: moment you leave your house. So let me give you
• 11:42
  Speaker 1: a scenario. Let's say you have an office or a
• 11:45
  Speaker 1: place of work, right? But you're going to a conference
• 11:49
  Speaker 1: and the conference is 50 miles away, whatever, even to
• 11:53
  Speaker 1: the bank. Let's say it's even to the bank because
• 11:55
  Speaker 1: the miles add up, right? By the law, you need
• 11:59
  Speaker 1: to drive to your office and then start tracking your
• 12:02
  Speaker 1: mileage to the bank or to the conference or wherever
• 12:06
  Speaker 1: you're going. And then essentially when you come back, like
• 12:08
  Speaker 1: to that ending place, that's where your mileage tracking ends.
• 12:11
  Speaker 1: And then you come home. What the home office deduction
• 12:14
  Speaker 1: does is it lets you start tracking from the moment
• 12:17
  Speaker 1: you pull out of your driveway. Now let's not, Like
• 12:20
  Speaker 1: there's always fine print to stuff, right? Like you can't
• 12:23
  Speaker 1: use it for commuting, like just running back and forth
• 12:25
  Speaker 1: to your office. Like you have to have like a
• 12:27
  Speaker 1: legitimate thing you're doing in your office. Like I do
• 12:30
  Speaker 1: all my administrative tasks in my office, you know, those
• 12:33
  Speaker 1: types of things. So those are all things that we
• 12:34
  Speaker 1: make sure our clients are aware of. But the office
• 12:37
  Speaker 1: has to be exclusively used for your business, but it
• 12:40
  Speaker 1: can be tiny. Just having that dedicated space allows you
• 12:44
  Speaker 1: to start that. In many cases, the mileage deduction from
• 12:48
  Speaker 1: when you leave in that is usually the bigger savings.
• 12:51
  Speaker 2: That's a great tip. Now, can you share a client
• 12:55
  Speaker 2: case study that really shows some of the work that
• 12:58
  Speaker 2: you've done with someone?
• 13:00
  Speaker 1: Yeah. So this actually happened late last year. It was very,
• 13:06
  Speaker 1: very late last year. But again, it was a bookkeeping
• 13:08
  Speaker 1: client that hurt. tax accounting firm had just kind of
• 13:13
  Speaker 1: dropped her. So she was like, how I'm going to
• 13:15
  Speaker 1: need you with tax. And I'm like, well, let's, let's
• 13:16
  Speaker 1: look at your situation here, you know? So netting about
• 13:20
  Speaker 1: 130 grand for 2025. And this is where she didn't
• 13:25
  Speaker 1: have an escrow election. And in some cases you can
• 13:29
  Speaker 1: do a late one. Typically, you know, you want to
• 13:31
  Speaker 1: do that election between January 1st and March 15th, but
• 13:35
  Speaker 1: this was at the end of the year and she
• 13:37
  Speaker 1: qualified for that late election. And so We did it
• 13:41
  Speaker 1: at the very end of the year and saved her
• 13:42
  Speaker 1: about $ 14, 000 in taxes. Wow.
• 13:45
  Speaker 2: That's a win. 100%, yeah.
• 13:47
  Speaker 1: So on our website, mailtotex.com, we kind of ask you
• 13:53
  Speaker 1: what you're looking for because we do some representation too,
• 13:55
  Speaker 1: like sometimes when people are in trouble or back taxes,
• 13:58
  Speaker 1: those types of things. So if that's what it is,
• 14:01
  Speaker 1: I'm going to say book a call. Let's talk about
• 14:03
  Speaker 1: what's going on. Let's see if we can help. If
• 14:05
  Speaker 1: you're just needing filing, we are still doing that. Like
• 14:08
  Speaker 1: I say, for those lower, new business owners, the first
• 14:13
  Speaker 1: couple of years, it might make sense. But for an
• 14:15
  Speaker 1: ideal advisory client, I'm going to say, let's do a
• 14:18
  Speaker 1: mantle blueprint. The mantle blueprint takes and maps out your
• 14:23
  Speaker 1: whole situation. Because this is one of the issues that
• 14:26
  Speaker 1: I'm seeing is disconnection, like through strategies and through like
• 14:31
  Speaker 1: even professionals, right? I think we talked about this a
• 14:34
  Speaker 1: little bit earlier where like, You know, you have a lawyer,
• 14:37
  Speaker 1: you have a financial advisor, you need them. I'm not
• 14:39
  Speaker 1: playing either one of those, right? But nobody is just
• 14:42
  Speaker 1: like saying, okay, what all do you have going on?
• 14:44
  Speaker 1: And as a person, you probably, a lot of people
• 14:47
  Speaker 1: wear multiple hats. You could be a business owner. You
• 14:49
  Speaker 1: could also have a W-2 job. Maybe your wife does.
• 14:52
  Speaker 1: Maybe you're married. Maybe you're a dad, a husband. Like
• 14:55
  Speaker 1: all of those different things, when you look at the
• 14:57
  Speaker 1: whole picture together, can create opportunities for strategies if you
• 15:02
  Speaker 1: interlock them correctly So the first thing I like to
• 15:05
  Speaker 1: do is get that all mapped out. What is going
• 15:08
  Speaker 1: on in your life? What are your goals? What are
• 15:11
  Speaker 1: your values? Let's take a look at what exists right now.
• 15:15
  Speaker 1: And then I also do like to have some conversations
• 15:17
  Speaker 1: in that process with, have you talked to your lawyer
• 15:20
  Speaker 1: about this? Have you considered this with your financial advisors?
• 15:23
  Speaker 1: Because those things are so closely connected when you're building wealth.
• 15:27
  Speaker 1: Tax is the nexus that all of that connects to.
• 15:30
  Speaker 1: So it We are a great place to start, but
• 15:33
  Speaker 1: you need to have that coordination with others. So usually
• 15:37
  Speaker 1: the mantle blueprint is the great place to start. And
• 15:39
  Speaker 1: then after we see what all is going on, then
• 15:41
  Speaker 1: we make an individual plan based on your situation and
• 15:45
  Speaker 1: what we can do for you.
• 15:46
  Speaker 2: Is there a takeaway that you want our listeners to
• 15:49
  Speaker 2: remember from this conversation?
• 15:51
  Speaker 1: Yeah, I think the takeaway, the really important thing is, again,
• 15:55
  Speaker 1: as business owners and We can get so lost in
• 15:58
  Speaker 1: just like what we're actually doing to produce money, right?
• 16:03
  Speaker 1: In that sweat equity portion of it, whether for you
• 16:05
  Speaker 1: it is actually physical or mental or whatever, I'm just
• 16:08
  Speaker 1: going to use the word sweat equity. that we can
• 16:11
  Speaker 1: think that sweat equity is the only way to make
• 16:15
  Speaker 1: money in our business. But the smart business owners, they
• 16:19
  Speaker 1: actually use money to make money. So we're talking about
• 16:22
  Speaker 1: working smarter and less hard, you know, kind of bringing
• 16:26
  Speaker 1: down some of that sweat. And so, again, you have
• 16:29
  Speaker 1: to work hard. Look, I'm a business owner. None of
• 16:32
  Speaker 1: us are going to get away from that probably and
• 16:34
  Speaker 1: be successful. But I want business owners not to forget
• 16:38
  Speaker 1: that there's this whole other piece That actually makes you money,
• 16:41
  Speaker 1: saves you money, you know, and so that you don't
• 16:44
  Speaker 1: actually have to work as hard if you do it right.
• 16:46
  Speaker 2: That's a great takeaway. Now, where can people connect with
• 16:49
  Speaker 2: you online and find out more about your work and
• 16:52
  Speaker 2: continue this conversation?
• 16:53
  Speaker 1: So ManselTax.com is our website. A lot of information on there,
• 16:57
  Speaker 1: connection forms. There's even a calendar on there. You can
• 17:00
  Speaker 1: also follow me on Facebook, LinkedIn, Instagram.
• 17:03
  Speaker 2: Hava Lauden.
• 17:04
  Speaker 1: It's H-A-V-A-L-A-U-D-O-N.
• 17:07
  Speaker 2: Hava, thank you so much for joining us. We really
• 17:09
  Speaker 2: appreciate your time.
• 17:10
  Speaker 1: I enjoyed talking with you, Joe.
• 17:12
  Speaker 2: Thank you. Thanks, everyone, for listening. If this episode inspired you,
• 17:15
  Speaker 2: make sure you share it with someone who needs it.
• 17:18
  Speaker 2: And don't forget to follow the GlobeEyes podcast for more
• 17:20
  Speaker 2: conversations that make an impact. Till the next time.