Latest / King Dems Podcast | Growth Mindset, Leadership, AI and Business Insights / Investment Strategies and Growth Mindset with Sean Tepper

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Investment Strategies and Growth Mindset with Sean Tepper · King Dems Podcast | Growth Mindset, Leadership, AI and Business Insights

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A lot of people been doing it the same way for the last 100
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years, unfortunately. And it's, it's actually
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surprising to me now, like nobody's taking the Duolingo
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approach. Like Duolingo is just, we love
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the platform teaching people how to learn a new language in these
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short, to the point learning modules, the fastest way from
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I'm like, we need to do that. Welcome to the Kingdom's podcast
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1:02
Ladies and gentlemen, you'll once again welcome to The
1:05
Kingdom's podcast. And today I have with me hailing
1:09
out of Milwaukee, United States of America.
1:13
Big welcome with me, the man, the meat and the legend, Sean
1:16
Tepper. How old you, Sean?
1:19
Doing well, thanks for the invite.
1:22
Well, you hail out of Milwaukee and of course my Nigerian
1:26
brother is making waves with a box over there.
1:31
You guys did not go that far this season of the NBA.
1:34
How do you feel about that? Well, we'll see what happens.
1:38
I mean, over the last 10 years have really come around and I
1:43
give credit to the GM for recruiting quality talent
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because going back, gosh, the 90s and even 2000's, the Bucks
1:51
were not a formidable player. So the the leadership team over
1:55
there has done a great job with recruiting talent.
1:58
Really good lesson learned on building businesses.
2:00
Recruit the right people in the business and you can go a lot
2:02
further. So yeah, we'll see what happens.
2:06
Well, and of course, you know, Speaking of our business
2:10
leadership, you are the founder and CEO, actor Tika, and of
2:14
course, you make it tick by way of the right recruitment
2:19
policies. So let's rewind to the
2:21
beginning. What was young Sean Tucker like
2:24
and how did that element said evolve into the entrepreneur
2:30
extraordinaire that you are today?
2:32
What age you want me to go go back in time to?
2:36
Alice memories, you know, and let's let's do work back.
2:41
Work back All right, so as a as a kid growing up, I was always
2:48
more independent. I kind of I didn't really try to
2:51
fit in. I always kind of wanted to do
2:53
things my way. So I was never one of those kids
2:55
chasing popularity or today I'm sure kids are chasing, you know,
2:59
more likes or friends on Instagram or whatever platform.
3:02
But yeah, I always kind of wanted to.
3:04
Do my own generation? Yeah, yeah, right.
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Like I'm a millennial, older millennial.
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But yeah, I always kind of did my own thing.
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I always had an interest in entrepreneurship.
3:15
I never wanted to, you know, be a cog in the wheel at a
3:19
corporate machine. However, I do have over a decade
3:21
working for large corporations. But it was, it was really good
3:24
experience learning the way. But yeah, like I got into sports
3:28
at a young age. I, I doubled down on one that I
3:31
knew could get me into college, like that could get me money.
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For example, I, I was a swimmer, I played baseball.
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I tried some other sports. I was OK at baseball, but I was
3:42
actually pretty good at swimming.
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And I'm like, let's go all in on one.
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And that did allow me to through then through my high school
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years is when I got faster and I did qualify or I get scholarship
3:55
opportunities at Division One level here in the states did
3:59
take a scholarship. The irony is also burnt out
4:01
because I was doing it as like a full time job since I was like 8
4:04
or nine years old. NC Double.
4:08
A and NCAA, yeah, I was in, I was part of D1, but I wasn't Big
4:12
10 or Big 12 or PAC10. Those are the big schools.
4:15
It was a smaller league, but still Division One.
4:19
And I quit after my first year. But I was looking at it from a
4:24
mathematics standpoint because tuition in the early 2000s,
4:28
especially at a state school in Wisconsin, was like, we're
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talking like 2500 to $3000 per semester.
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And I'm like, I could go make this times 234 no problem
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working for somebody and still like, you know, enjoy more of
4:44
college life. But so that's the path I chose.
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And, and it was really good experience.
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In fact, the sports background actually it helps with ticker
4:54
today. Like I had a coach that was
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really big on Team I. Was going to touch on that.
4:58
Yeah. That that team orientation, the
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discipline air, of course the teamwork, very, very important.
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100% like I had a coach that was all about don't just think about
5:06
yourself, think about the team. And I was a little, I was pretty
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not just independent but selfish growing up.
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So I'd focus on what I want. Well, right, Like swimming is
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more or less it is an individual sport, but it rolls out to a
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team where you're scoring points.
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But the same thing is with track, very individual sport,
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right? You know, it's not like the team
5:29
sports we're all used to like basketball, soccer, you know,
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American football, the list goes on.
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So yeah, we today as ticker, and I'll go back to my back story
5:38
shortly, But today, yeah, I recruit.
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I prefer to only hire athletes. And I'm serious on that because
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athletes have the discipline to do the boring on repeat.
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There's a story I'll tell people and there's a lot of people I
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had to fire from Ticker because they can't do the simple things
5:53
on repeat. And I'll bring up the point like
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Michael Jordan used to come into practise 2 hours early and shoot
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free throws. And there are other guys his age
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at the time of the that would say the longest I could shoot
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free throws for is 15 minutes. Well, there you go.
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That's why you'll never be the best.
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So here at Ticker, it's like when we hire people, we hire
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them for a specific skill set and double down and just be.
6:15
Don't be good at it to be great at it.
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And people get bored after 15 minutes and they want to do this
6:20
and then switch to this and this.
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So I look for athletes because they can do the boring on
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repeats. And I look for team players they
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care about, not just themselves, but the team.
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But yeah, my background though, yeah, through high school.
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And I have to admit, I was a kid that grew up.
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I honestly, I hated school. School was very boring.
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The whole concept of sitting down and staring forward and
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learning that doesn't make sense to me.
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There was one class I had in high school where the teacher
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would literally hand us a book. It was a CAD class, computer aid
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design, and he'd hand us a book in the first 3 minutes and then
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go look at ESPN on his laptop. The guy was great and he's like,
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if you have questions, you come bother me, otherwise don't
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bother me. And and I loved it because you
7:03
can learn at your own speed by reading the book, implementing
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the concepts and strategies, putting into practise on the
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computer. And I got straight A's in these
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classes and I'm like, that's the way I like learning.
7:15
So yeah, school was not for me. I went to college and just kind
7:18
of cruise through and, you know, passed with OK grades, but I
7:22
could not wait to get into the real world.
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I went to school originally for architecture CAD and get this,
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this will, you'll laugh at this. So really good at really good at
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computers. I get to school and there are no
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computer classes on CAD. And I was going to a school that
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was well known for its architecture programme, UW
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Milwaukee. 2nd place to that would be U of M, that's
7:46
Minneapolis at Gophers. And in that case, like, OK, I
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get to school, I'm ready for these computer aid design
7:53
classes. Let's level up my skills.
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No computer classes. It was all model building and
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drawing, which I was horrible at.
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And then one of the profess, yeah, one of the professors was
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like, just so you know, only the top 10% of students in
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architecture school actually going to get jobs.
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And I look around and I'm like, well, I'm in the bottom 10%.
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I'm. That doesn't feel good.
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I'm not going to find a job here going against all these kids who
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are much more talented than me at model building and drawing.
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Well, I switched to Fine Arts with an emphasis on film and
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video production. I had aspirations of getting
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into the movie industry or the TV industry and I decided to
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stay in the Midwest. Question is, how does that type
8:35
of career transfer to the real world?
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Fortunately, there are ad agencies and marketing firms
8:40
everywhere, so I was able to quickly get a job at a mid size
8:44
agency with probably like 30 employees and I learned their
8:48
business model in a year. And then I created my own
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agency. Fortunately, an agency, you
8:53
don't need any manufacturing equipment.
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All you really need is like a computer, an Internet
8:57
connection, a camera, and you can start making money.
9:03
Yeah, right. Like this was an easy business
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to start. Did that for four years.
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And and that's when I figure it out.
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The service business model is not for me.
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It's not scalable. In order to make more revenue,
9:14
you have to hire more people, which means your profit margins
9:17
never accelerate. However, at the same time, I was
9:20
looking at SAS businesses like Salesforce, MailChimp, Intuit,
9:25
Constant Contact at the time and I realised the whole
9:28
subscription reoccurring revenue model is where I want to be in
9:30
around this time, this was actually 2010, I was looking at
9:33
Netflix was starting to become more subscription, getting away
9:36
from the whole mailing of the DVDs concept and I'm like, that
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is the model I want, how do I create that?
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And fortunately went through a merger with that first company
9:45
in 2010, wasn't like a million dollar cheque was written to me.
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It was because it's a very low profit margin business.
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It was all debts and liabilities wiped clean.
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And then I got to kind of do my own thing.
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So I stayed there nine months. Then I decided let's go work for
9:59
big business, get big business experience.
10:01
I started working for large corporations, project management
10:04
type role and I did that. I plan to do it for two years.
10:07
That turned into 12 years and right in that journey though, I
10:13
got to manage some large projects.
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I'm talking like managing projects between 2 million and
10:18
$10 million and have to deploy the capital in ways where it
10:22
makes a profit a profitable. It's the term or the the most
10:26
important acronym and finances return on invested capital
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ROICROIC. Yeah, where do you right?
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How do you deploy the capital to generate the biggest return for
10:37
the business? So anyway, at that same time,
10:40
around 2011, I got into investing.
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So this is where the ticker journey started.
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And I invested in the stock market using the basic tools
10:47
that are available and in whatever platforms are out
10:50
there, which most of them are confusing and hard to use.
10:52
And I did that for five years, maybe matching S&P 500.
10:56
And I wasn't happy with that. And I'm a big, pretty big math
11:00
guy. So I knew when I kind of zoomed
11:03
out, like Warren Buffett and the late Charlie Monger were able to
11:06
consistently beat the market no problem.
11:09
In fact, Warren Buffett has said if you were managing 10 million
11:11
or less on his own, he could make 50% per year.
11:14
And I'm like, SMP maybe returns 8 to 10%.
11:18
That's quite a bold statement. So I knew he is not making
11:23
decisions based on feelings or emotions.
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He's not a gambling man, which tells me he's a math guy.
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So I decided to figure out the math.
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I read as many books as I could, went on the YouTube rabbit hole
11:34
and I created an Excel sheet and I was thinking of, hey, how do I
11:37
make this easy for myself? And I was like, what's the
11:41
easiest to read rating system around the world?
11:44
And I thought of the traffic light.
11:46
Doesn't matter what country you're located in or what
11:48
language you speak. Everybody kind of knows the
11:50
whole green, yellow, red methodology.
11:53
It's not hard to understand. So I'm like, I'm doing that.
11:56
So I created this Excel sheet. So stocks are really on sale.
11:59
Watch Overpriced. Quickly found out that only
12:02
about 15% of stocks in the market make it on sale green.
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It's very hard to do. And I used that sheet for the
12:10
next 4-5 years making returns between 15 and 50%.
12:15
So I'm like, all right, I figured out the math.
12:17
I figured out what Warren Buffett's using and in 2019 was
12:21
a Inflexion point where I started sharing this Excel sheet
12:24
with a few guys just like us. And everybody's like, you need
12:28
to turn this into software. And I was like, there we go.
12:31
Almost 10 years later, I've got my software as a service idea
12:34
with some potential legs under. It took a year to build the
12:38
first version, then took six months to get the first paying
12:41
customer, which is how building software works.
12:44
You do not make money right away.
12:47
Exactly, you know, the gestation period can be quite, you know.
12:50
Yeah. And then Fast forward to today,
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almost five years later, we have over 12,000 customers in about
12:57
50 countries. But that was the journey all the
13:01
way. You pretty much pretty much got
13:03
the longer version of the back story than anybody else so far.
13:08
Interesting. I appreciate that you know,
13:10
you've actually won like so many hearts.
13:13
You know you've been AVP at a creative agency, also project
13:17
manager GE and of course you know now a SAS founder.
13:21
Each role must have shaped your approach to risk management and
13:27
invest in. And of course, like as a person,
13:29
what would you say your best appetite is?
13:34
It's high, but I remind myself that if I'm going to live, I
13:39
want to, I want to live big. Like I, I created a business, of
13:42
course, one to solve a problem in the market, which is
13:45
investing is still pretty complicated for most.
13:47
And like, how do we make it easy?
13:48
So we're doing that. But 2 is I need a business that
13:50
creates freedom. I never want to go back to a
13:52
service business. I want a business that can make
13:55
money in my sleep because now being married, my wife and I
13:58
really enjoy travelling and I've got a lot of hobbies including
14:00
golf. Not going pro anytime soon, but
14:03
I love the game. I'm a big outdoorsman, so a
14:06
mountain biking, kayaking, like I want those things.
14:08
So that's what drives me. So I'm willing to take on more
14:11
risk because I want more reward. A lot of people won't do that,
14:15
but like if I'm going to live this life, I'm going to live it.
14:18
Seriously, live it. I'm not selling myself short.
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I don't want to hit 70 years old and be like, I wish I would have
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done this. You know, the number one most
14:27
used word on people's deathbeds, the number one most used word is
14:30
regret. I do not want to bring that word
14:35
anywhere in my life. I want no regrets.
14:39
I would be shocked, you know, to, to have regrets, you know,
14:42
and of course, somebody once told me that until you stop
14:45
making money while you're sleeping, you have not started
14:48
making money. And that really, really, you
14:51
know, touched me and refined and received approach to the concept
14:56
of money making Abacus. It's very important that we are
15:01
able to make passive income and the only reasonable way to to
15:06
get that done is by way of investment.
15:08
And we also need to ensure that we optimise the capital that we
15:14
invest in and that is directly linked to how much risk we are
15:20
able to accommodate. You know, we have the risk
15:25
adverse individuals, we have the risk neutrals, we have the risk
15:28
lovers that are like yourself, you know, it's pretty much a
15:32
continuum, but no risk, no reward, right?
15:36
That's like the stuff you, you've always talked about
15:38
making investment fun, friendly and, you know, fearless.
15:43
So you say that investing or could sometimes be termed as
15:49
overly complicated, but why do you think so many financial
15:52
platforms still confuse people rather than educate people when
15:56
it comes to investing? Because yeah, finance, a lot of
16:00
people been doing it the same way for the last 100 years,
16:03
unfortunately. And it's, it's actually
16:05
surprising to me now like nobody's taking the Duolingo
16:08
approach. Like Duolingo is just, we love
16:11
that platform. They got 600 million users on
16:14
the platform teaching people how to learn a new language in these
16:17
short to the point learning modules, the fastest way from
16:23
A-Z straight line. And they have mastered that.
16:25
I'm like, we need to do that, but in finance and very few
16:30
businesses are starting to take this on.
16:32
There is one in your neck of the woods called Go Henry.
16:36
Go, Henry. Go Henry.
16:37
It's more focused, yeah. It's more focused on kids
16:40
though, like helping kids get access to credit card, teaching
16:44
kids how does money work, how does like the basics of how
16:47
barter, A barter system turned into currency exchanging and and
16:52
really empowers kids to do well. I'm like, that's not half bad
16:57
learning modules like Duolingo, but we're really about the stock
17:00
market. So it's actually surprising that
17:02
nobody else is doing it. And and this is this is a quote
17:05
from Warren Buffett. There is an innate human
17:08
characteristic that likes to make easy things complicated and
17:13
it's true for everything it is. So I've had to fire people
17:18
because they constantly make things overcomplicated.
17:20
It, it is seriously, people will try to make things easy and they
17:23
revert back to complicated. And it's, it really comes down
17:27
to a, a self-discipline thing of continuously making it easy to
17:31
use, which we really hammer on. That's we all we'll come up
17:37
with. So, you know, our design process
17:39
will come up with a concept. We'll kind of put it on paper
17:42
what kind of take it to Excel, figure out the calculations on
17:44
it, and then go through multiple iterations of, OK, it's easy.
17:49
How do we make it easier? How can the UIUX be even easier?
17:52
Like really dissecting things and then we'll ship it to
17:56
engineering. It's not easy to do it.
17:58
It may, it may look like you look at it like a ticker is
18:02
pretty easy to use. It's a neat looking platform.
18:06
Not my user friend. Yeah, user friendly and my
18:09
customers are saying a lot of this, but it takes a lot of work
18:11
to get there. Yeah, it it, you know, it does
18:14
take a lot of work. But The funny thing is I think
18:18
it has to do with a lot of human psychology.
18:22
You know, myself, I've been professional services in the
18:26
past. I did work with two of the
18:29
global big for accounting fans, PWCKPMT.
18:33
You know, I've seen, you know, in my day, some clients you you
18:38
provide them with a solution in the most, you know, simplicities
18:43
of forms and they look at that solution, they probably don't
18:50
believe in it, but when you give them something that looks
18:53
complicated, they probably have more confidence in it.
18:56
And then you ask yourself, like, what exactly is it that you
19:00
know, certain people want, right.
19:02
So I guess it's a matter of human psychology.
19:06
So people think that the more complicated would I say
19:11
solutions sometimes are actually more valuable, but it just
19:15
depends on the psychology of the individual.
19:18
As for myself, I, I love things and very simple.
19:21
I, I loved the path of, you know, the easiest resistance in
19:25
terms of creating solutions to problems, because life is
19:28
actually meant to be easier by the day.
19:32
And of course, that's why I very much appreciate AIAI has come to
19:36
make life easier and of course, make decision making accelerated
19:40
and help us with efficiency. Efficiency is very, very
19:44
important, especially in a scaling of the businesses and of
19:48
course, achieve business goals in, you know, record time when
19:54
it comes to ticker, right? Like how do you guys simplify
19:58
the investor's journey, especially for someone who has
20:01
never bought a single, you know, stock or any form of investment
20:07
before? So kind of talk through the
20:09
journey, our model is a 14 day free trial, no credit card.
20:15
We want to lower that barrier to entry as low as possible to get
20:18
people to start using the tool. And within minutes you can find
20:23
you can get up to speed and be pretty dangerous with the market
20:27
in a good way. You can go from beginner to
20:29
confident Minutes is what we tell people.
20:31
We can't guarantee it, but when you join, you kind of create a
20:35
watch list, you add stocks to it to kind of shows you how the
20:37
platform works with the whole on sale watch overpriced
20:40
methodology. That's what you're looking for
20:43
green and it's green, grey, red is the colour coordination.
20:47
And then you land on the checklist and you don't have to
20:49
complete it then. But the checklist states that
20:51
90% of customers that complete the checklist are able to
20:55
confidently buy and sell stocks. And it kind of walks you
20:58
through, for example, if you that the cheques on the
21:00
checklist already done, for example, join the platform.
21:03
All right, that's done. Create your first check your
21:05
first watch list that is done. Next step is complete the
21:09
learning modules which are inspired by Duolingo.
21:11
So that's going to have a little circle like how much of it is
21:14
completed. Next up, connect your broker.
21:16
We're adding broker connections as we speak.
21:18
Prior to that it used to say sign up for a broker.
21:21
Now you can connect your broker. In my case that you Schwab
21:24
automatically connected in the London.
21:26
The big players are Dejiro, AJ Bell, E Toro is big in Europe,
21:31
same thing with Weeble. So we're connected, Yeah, yeah,
21:34
etoro, yeah, there's a lot of broker connections are, are
21:37
making it easier for people to connect to ticker.
21:39
They can see their portfolio and ticker automatically update
21:43
everyday. So people love that.
21:45
And then it'll move on to like creating a watch list, then set
21:48
alerts and you're done. It's really easy.
21:49
But it's like after, after you complete those steps, you're off
21:52
and running and you can we tell people you can go from beginner
21:56
to confident investor in typically 14 days in that trial
22:01
period, you should know what you're doing in the market, no
22:05
problem. When to buy, when to sell, how
22:07
to reduce risk, how many stocks should you hold?
22:10
And we can talk about all this if you want to get into it.
22:13
Other one is like the difference between wealth building mode and
22:16
wealth protection mode tickers wealth building, but also wealth
22:19
protection depending on what your strategy is, what your age
22:21
is. But it walks you through all
22:24
that in simple term, you know. The confidence booster feature,
22:30
it's actually powered by Open AI.
22:33
So how, how does it work? And like what kind of feedback
22:35
have you gotten from your users? Yeah.
22:39
So we're proud of this feature. So thankfully there's a guy out
22:44
there by the name of Phil Town. He's based at the Atlanta, GA
22:48
area and he's been in the hedge fund industry for years.
22:52
And he came up with a methodology that's really
22:54
inspired off Warren Buffett. It's called the four Ms. You've
22:57
got the the mass part or what what he calls the margin of
23:00
safety. We call it the same thing that
23:02
encompasses everything math related when picking stocks.
23:06
The second M is the meaning. That's the business model.
23:09
How many revenue streams does a business have and how scalable
23:12
are those revenue streams? The third M is the most, how
23:15
does the business compared to the competition.
23:18
The last M, that 4th M is the management.
23:20
That's the track record of the CEO.
23:22
Doing homework on all four could take you hours, if not days of
23:26
research. Like if you're an analyst on
23:28
Wall Street, that's going to take you a long time.
23:30
We reduce it down to seconds. Thanks.
23:33
With the help with Open AI. In fact, you can log in, look at
23:36
any stock, and in most cases you'll see the four M score if
23:39
it's been produced by users because that score is a
23:42
Crowdsource feature. For example, if you complete it,
23:45
I'm going to see the score you got and if I complete it, I'm
23:47
going to see a similar score and that'll show the average between
23:50
us. The reason is in that Moat
23:52
section, it picks a few other businesses to compare against
23:55
the compares against 4. So it kind of rank orders and
23:59
you know it's gamified like Duolingo.
24:01
It's it's a fun experience, but it can take you about a minute
24:04
to get through the form experience per stock.
24:06
But again, you don't have to do it if you see the score there
24:08
already. So, yeah, it's it's powerful.
24:11
In fact, we tell people when to buy is when you find an on sale
24:14
stock, it's green and that four M scores 80 or higher, getting
24:19
to 80 or higher out of 100 scale is really hard to do, really
24:24
hard to do. In that case you don't.
24:26
Financial advice here, but that would be considered a buying
24:29
opportunity. You know, a lot of people are
24:35
very sceptical, especially about the stock markets, you know,
24:39
because there's been a history of people losing scandalously,
24:44
you know, their market. So why is just the case, You
24:51
know, that phobia, right, for the stock market?
24:56
And what's the biggest myth that needs to be busted into these
25:00
worlds? There's a lot of to unpack
25:04
there. We'll get into it.
25:05
So the scepticism totally get it.
25:07
Yeah, that is an issue. So you know, we teach people the
25:11
difference between investing in trading and get this, I'm going
25:14
to ask you a question here in a second. 99% of traders lose
25:17
money in the market. We are focused on investing and
25:20
it's specifically called the style investing, called value
25:23
investing. That's Warren Buffett style,
25:24
which is essentially understanding the financials,
25:28
the fundamentals of the business, and making sure it's
25:31
valued significantly higher than the share price.
25:34
For example, if you find a share price at $100 and a fair value
25:38
is what we one of the many things we calculate.
25:42
Let's say the fair value is at 200.
25:44
That's a 50% discount. It's like going to the grocery
25:46
store and buying a gallon of milk.
25:48
It's listed at 5 bucks, but that 5 is crossed off and it's listed
25:52
for now $2.50 or in your case $2.00 and 50 lbs A.
25:58
Pound. Pounds, yes, so we.
26:02
OK. I was just going to chip this
26:04
in. You know, a lot of people
26:07
weren't going into investing do not like take into cognizance
26:11
like the necessary investment ratios.
26:14
So let's take for example, the price of earnings of the entity
26:19
that you're investing in. Like these are very important,
26:22
you know, metrics to analyse in order to make a well informed
26:26
decision. So I'd like for you to
26:28
incorporate that in your your what I say response and analysis
26:33
about the situation. So we actually teach people and
26:36
these are actual cited facts off of Investopedia.
26:40
Great resource. The P to E ratio and the P to B
26:44
ratio, that's price to earnings ratio and then price to book
26:47
ratio are both misleading and I'll get into that.
26:50
So whether APDE ratio is high or low can be good or bad.
26:55
So how do you make a decision? Well, you can't make a decision.
26:58
And unfortunately that ratio and the P2B have been used for close
27:02
to 100 years. I say close to, not quite and
27:05
these days that's not how you value businesses.
27:08
Thankfully, Phil Towne and some of his books provided the
27:11
correct math, which is to look at the EPS is the number one
27:16
most important line on the financial statements.
27:18
That's earnings per share, essentially profits of the
27:21
company. You want to make sure the
27:23
profits of the company are not flat and not going down.
27:26
They're increasing quarter over quarter.
27:30
We do that not just EPS, which is the number one metric.
27:32
We also look at revenue, net income, free cash flow, assets,
27:38
equity. Then there's a few lines you
27:40
want to see decreasing, which include liabilities, which is
27:42
biggest liability is payroll and you have debts.
27:45
Biggest debt is typically bank loans.
27:46
You want to see those going down, but everything else you
27:48
want to see going up quarter over quarter, those are the
27:51
metrics to look at. So in our site, our blog, we
27:54
have open source calculations so people can use, they can go
27:58
create their own version of ticker for personal use.
28:00
In fact, we encourage it because we we are the only platform on
28:04
the market that's transparent. We do have a patent on these
28:07
algorithms and these processes. But again, personal use all day,
28:11
do your thing. But people appreciate that
28:13
because they'll read and it's an eye opening experience when they
28:16
see, oh wow, the PDE ratio is actually misleading.
28:18
It is. And thankfully Investopedia is
28:21
the source. They did their homework and then
28:24
and then we did our fact checking on that.
28:25
It makes total sense. P to B is, there's a few more
28:28
numbers in the equation, but it's the same thing, good or
28:30
higher. Low P to B can be good or bad.
28:33
Higher low PDE can be good or bad.
28:35
You can't make a decision. And of course, you know that
28:39
aside from just the financial basis for making these
28:45
decisions, it's very, very important to have your own or
28:51
would I say independent health check when it comes to these
28:56
companies. And there's something I to say,
28:59
revenue is vanity, profit is sanity and Cautious Inc.
29:03
And of course, if you wish cautious reality, it's actually
29:06
very important for companies to have a consistent and sustained
29:12
continued positive whereas net positive or cash flows, right.
29:17
And that actually shows the ability to meet with, when I say
29:23
obligations, both in the short term and of course, the long
29:27
term. You should be investing in
29:30
companies that have a proven track record over time to
29:34
demonstrate liquidity and solvency.
29:37
So I'd like for you to touch on that.
29:40
Yeah. Well, that's kind of what I just
29:42
touched on. And those are some of the lines
29:43
we look at. For example, I'll get into the
29:45
numbers here if anybody's really a math nerd like me.
29:48
So you have the three statements, you've got the
29:50
income statements, then the cash flow statement and then the
29:53
balance sheet. On the income statement.
29:54
We look at 3 lines, revenues, net income and EPS.
29:59
Net income and EPS are very similar.
30:01
If you ever look at those in a chart, the numbers like we
30:03
should in bar chart format, they're going to be very similar
30:06
because EPS is just net income divided by outstanding shares.
30:11
That's the the difference. So that's sheet one.
30:14
Sheet 2 is the cash flow statement.
30:15
We look at one line, which is free cash flow.
30:18
And like you said, you want to have a lot of cash available
30:21
because you can buy other businesses.
30:23
Oh. Yeah.
30:24
Yeah, absolutely. You can buy other businesses.
30:26
You can invest more in marketing and sales.
30:29
You can hire more people a lot faster.
30:30
It's a great place to be. Then on the last sheet, we look
30:33
at 4 lines. Look at the assets.
30:38
Yeah, it'd be assets, equity, liabilities and debts.
30:42
And you want to see the assets and equity increasing
30:45
liabilities and debts flat or decreasing.
30:48
Ideally, you want to pay off those bank loans.
30:50
And in some cases, you want, you don't want to fire people, but
30:53
if they can remain flat, like for example, if you see your
30:55
liabilities flat, like you have 100 people in the business, but
30:58
your revenues and your profits are skyrocketing, that's the
31:03
type of business you want. But if you got a business that
31:05
you're increasing the revenue and the liabilities increase at
31:08
the same rate, that's like my first business, that agency,
31:12
it's not a scalable business. So those are the, it's 8 lines
31:16
on the financial statements. And we look at the growth
31:19
quarter over quarter, over 16 quarters maximum, two quarters
31:24
minimum. And the two, I say, because
31:27
there are IPO stocks that recently go public, they don't
31:30
always give us the history of their financials when they were
31:34
private. They don't have to by law.
31:36
It has to be when they go public from that day forward.
31:38
But it's kind of nice when a business goes public and gives
31:41
us a few quarters of financial statements because then we can
31:44
use those to calculate the scores in ticker.
31:47
But that's, that's really the just of it.
31:50
That's the math at a high level. And it's a lot of calculus that
31:54
puts everything together. But those are the things we look
31:56
at. Stop talking in one second.
31:58
We do have another tab called ratios.
32:01
It's kind of a nice to have, not need to have, but there people
32:03
can look at like the return on assets, return on equity, return
32:08
on invested capital, the net profit margin, the P to B and
32:12
the P to E are on there. But we do give the little flags
32:15
to let people know like hey high or low, it can be good or bad.
32:18
But here you go if you want the numbers.
32:22
You know, we've actually focused a lot, a lot on the quantitative
32:26
analysis. Is there any form of qualitative
32:28
analysis you know as well that goes into this decision making
32:34
model? Yeah.
32:36
So that's what that 4M tool, everything in Ticker is
32:39
quantitative because fortunately publicly traded companies, as
32:43
you know, all their data is public and we source it from two
32:46
data providers. They just give us raw data sets.
32:49
We process like a million data points a day.
32:51
Actually, it's a few million data, data points per day
32:55
pulling from these two providers.
32:56
And then we run all the calculations on whatever stock
32:59
you like, whether it's Apple, Tesla, Palantir, the list goes
33:02
on. Now with the qualitative, that's
33:05
the non math as we know. That's where that M confidence
33:09
booster comes into play. That's it looks at not just a
33:14
few ratios like return on invested capital, return on
33:17
equity, return on assets, but it actually gives us its own rating
33:21
and as a very rigorous prompting we had to engineer took about
33:24
six months of trial and error and it kind of rolls everything
33:27
up to provide a score that's that zero to 100 want to be over
33:31
80. It looks at the qualitative
33:33
factors. For example, we ask it and one
33:37
of the questions is, hey, how would you rate the scalability
33:40
of XYZ business? And it's looking at the number
33:43
of revenue streams in the business and how scalable those
33:46
revenue streams are. For example, do the revenues and
33:49
profits increase faster than the liabilities?
33:51
So in like that's really hard to do manually.
33:54
Like if I would ask you, hey, XYZ stock, how many revenue
33:58
streams does it have and how scalable are they?
34:00
Well, guess what, you got to go to Google, you got to go to this
34:02
platform that you got to put it all together and and fortunately
34:04
Ticker does it in seconds and gives you a score on that
34:08
specific metric. Well, nothing short of
34:12
fantastic, you know that is this would I say debate, ongoing
34:18
debate in the market space, you know, when comparing different
34:23
investment vehicles or so to speak.
34:26
So we have cost talks, we've got ETFs and even a crypto.
34:31
So for persons that are just starting out like what's the
34:35
advice? Yeah, yeah.
34:38
Again, no financial advice here, but I'll break everything in a
34:40
category. So when you join Ticker, one of
34:43
the first educational articles, and this is one thing I didn't
34:46
mention, is when you join every day over like 30 days, you get a
34:49
new investing tip. Now if you'd like, you can skip
34:53
each of the emails, you can just read them all in one go on our
34:56
site because they're all listed there.
34:58
Tip 1234 in a list and for example, the first one is
35:01
investing for trading. The second one I believe is
35:04
wealth building mode verse wealth protection.
35:07
Now a lot of people get confused about the difference between
35:09
stocks, ETFs, index funds, and mutual funds.
35:13
Stocks are for wealth building mode.
35:16
Now, what we mean by that is if you have a timeline to retire
35:21
that's five years out or more, you should be an individual
35:25
stocks, 10 to 15 stocks. For example, Warren Buffett, how
35:28
did he make his first million? He had a private investment
35:31
company that was investing in about 10 stocks.
35:35
So that's why we tell people about 10 to 15 stocks.
35:38
That's where you want to be. That's a sweet spot.
35:40
Now, when you start nearing financial independence or
35:43
retirement, then you want to consider moving to an ETF, index
35:47
fund, or mutual fund. Essentially, it's the same
35:50
product. It's just a group of stocks,
35:53
sometimes bonds and stocks, but the best returns you're going to
35:56
get are about 8 to 10% per year. Typically ticker while building
36:03
mode. We tell people we can't
36:04
guarantee it, but we tell people you should be arriving between
36:07
15 and 50% per year. For example, my returns averaged
36:12
over the last 10 years plus around 3035% somewhere in there.
36:16
So, and it's not, it's not hard to do you know, definitely
36:20
outpacing the market without a lot of effort.
36:22
Now getting into index funds, ETFs and mutual funds will give
36:26
you the differences between these.
36:27
So people know and then we'll jump over to crypto.
36:29
So index funds and ETFs have an expense ratio of about one
36:34
point, I should say .1%. So what does that mean?
36:37
Just for holding it? You are charged a certain dollar
36:41
amount, in this case point 1% for just holding the product.
36:46
With stocks, you don't have an expense ratio, so they're
36:49
roughly the same price just to hold it in your portfolio.
36:53
Mutual funds on the other hand, same product, but the expense
36:56
ratio is not .1%. It can be as high as .5 to 2.5.
37:01
It's very expensive. What you're paying for is more
37:04
people managing the mutual fund if you want that, and you have
37:08
more Peace of Mind because there's more people touching it
37:11
and you can get on the phone with them and be like, hey, what
37:14
stocks are in this mutual fund? If you don't feel like looking
37:16
it up online, fine, teach their own.
37:18
But like I tell people usually go with ETFs or index funds
37:22
because you're going to get the same returns.
37:24
Now, the difference between index funds and ETFs, there's
37:26
one big major difference. It's called intraday pricing.
37:31
So when you buy an ETF, let's say at 1:00, 1:00 PM on a
37:36
Tuesday, you're going to get the price at 1:00 PM on that
37:39
Tuesday. Now, with an index fund, you
37:42
don't get it at 1:00 PM. You have to wait for it to get
37:44
to the end of the day, and then you get the end of the day
37:47
price. Even if you bought it at 1:00
37:49
PM, does it really matter? No, because you're getting the
37:53
same returns over time. So those are the differences
37:57
between stocks, ETF's, index funds and mutual funds.
38:00
Crypto, we have crypto and ticker, but you cannot calculate
38:04
where crypto is going because there is no income statement,
38:07
cash flow statement and balance sheet.
38:10
However, we do have it in the tool because we do have tracking
38:13
mechanisms. So you can keep track of it.
38:15
You can also set alerts on it. It's all in one clean location
38:19
and we tell people with crypto and their other financial
38:23
institutions that say the same thing is try to go 5% or less of
38:27
your net worth in crypto. It is highly speculative, of
38:29
course. That's how.
38:31
Yeah, yeah, you can't calculate it, but if you want a small
38:35
percentage, go 5% or less. I've heard of too many people
38:39
though, they'll take a second mortgage out on their home and
38:42
go all in on some small crypto coin.
38:45
It's like it's just a losing situation.
38:47
Very, very stupid. A very, very risky gamble, but I
38:53
think one reason why I like the ETF's is the diversification of
38:58
the portfolio. It's kind of makes it safer
39:02
pretty much or or would I say relatively safer.
39:05
Is there a minimum amount that you know the average person
39:08
needs to begin investing you know with meaningfully or is
39:13
that a myth? So we tell people, we use
39:18
analogy. It's like jumping into the deep
39:20
end of a swimming pool, like your first time when you're a
39:23
little kid. It's really scary.
39:25
After you do it the first time, you realise this is not so bad.
39:28
So we tell people start with like between 100 and $1000 and
39:33
just buy a few stocks. The only objective at that point
39:36
is to just become educated using Ticker and then get some
39:39
confidence by buying your first, second or third stock.
39:42
After that first step in that first month, the next step is
39:47
try to invest between 15 and 30% of your income.
39:52
Now if you can't get there, that's fine.
39:53
Start small and work your way up.
39:56
But if you can arrive at that range, 15 to 30%, you go out
40:00
five years with compound interest, you go out 10 years.
40:03
And this is on individual stocks.
40:04
Like for example, and I have the numbers like we can do an Excel
40:08
sheet side by side, but you will make twice the amount of money
40:11
going to individual stocks over 10 years compared to an index
40:14
fund, ETF or mutual fund. The fact that I know 20 year
40:18
olds, 30 year olds and 40 year olds that are piling into index
40:21
funds, ETF and mutual funds. You get the wrong tool for the
40:24
job. I mean, that's fine.
40:25
Like you were stating that it protects your wealth.
40:28
Keep it there. Maybe go 20% into a bundled
40:33
product. But I would like if you feel
40:35
like you're behind and most people do feel like they're
40:37
behind, you want to accelerate that process.
40:40
Warren Buffett style investing, 10 to 15 stocks.
40:43
It's still diversified enough, but still at the same time
40:46
focused enough so you can get those bigger returns and put
40:49
yourself in a much better position.
40:51
For example, I got a friend of mine here.
40:52
I'll I'll stop talking here. He has made about an average
40:56
salary in the she's about 55 average salary making about 50
41:03
thousand $60,000 a year. Just an assistant at a business
41:07
and her dad taught her to invest in a focused portfolio of stocks
41:12
and find stocks with a strong balance sheet.
41:14
He didn't have Ticker, but he is is teachings are in line with
41:19
Ticker. But her Apple stock now on its
41:22
own, it's over $1,000,000 and she's making an average salary
41:26
because she had the discipline. She just put a little bit into
41:30
Apple every paycheck and she's got a few other stocks she
41:33
shared with me. But I've got dozens of stories
41:35
like that. People that don't have big
41:36
income and they've got a multi $1,000,000 portfolio because of
41:39
the discipline of 15 to 30% into a few individual stocks.
41:43
It is seriously, if you haven't heard the phrase compound
41:46
interest is the eighth wonder of the world.
41:49
There's how's your rationale? I I was actually.
41:52
Waiting to to to mention that because that was Albert
41:55
Einstein's statement. Yeah, correct.
41:58
He said our compound interest is the 8th, you know, a wonder of
42:02
the world. And are you able to to explain
42:06
how that strategy, right, is able to help those people who
42:11
feel left behind, right. And of course, what they can do
42:16
to have a meaningful retirement adopting the eight one of them.
42:22
Yeah, so this this is one thing I'm really passionate about,
42:27
which is helping people get back on the right track, get the
42:32
amount of people losing sleep everyday and the stress around
42:36
money. Get this, These are statistics
42:37
from CNBC and it's pulled from a user base in the US, so doesn't
42:42
have London or the UK involved. But get this, it's over 50% of
42:48
people are. What is it financially stressed
42:53
And 70% are not on track to retire by their targets.
42:58
Retirement age, which in most cases in the States is 6570%,
43:03
are behind. Only 30% are on track.
43:07
So what do you do? Well, option A, you can get a
43:09
second or third job, no thanks to that, right?
43:14
Or option B, why not make your money just work harder for you?
43:19
Start to deploy some of that capital you have sitting in
43:21
those funds. Power down in your 4O1K, keep
43:24
your 4O1K moving. That's fine, especially if you
43:26
got a company match. But let's start moving more
43:28
capital into individual stocks. And if you want a little help,
43:31
talk to a financial advisor. In fact, we're starting to see
43:34
more financial advisors using Ticker coupled with their
43:38
strategy. Wealth protection mode is what a
43:40
financial advisor's job is. Most people don't know that
43:43
they're not going to build your wealth, they're not going to
43:45
build your business and they're not going to Polish your resume.
43:47
They're not going to pick individual stocks for you.
43:49
That's not their business models to protect your money.
43:51
So they'll, they'll go like 20%, Thirty percent, 40 percent, 50%
43:55
protection mode, sometimes as high as 80.
43:58
And then let's move some of that into wealth building mode,
44:02
individual stocks. And that's where again, they
44:05
don't know. They're not stock picking.
44:07
Their job is, I mean, all day they're talking to people,
44:10
they're a fiduciary, that's their job.
44:12
So then they'll use Ticker and empower their customers to just
44:16
use a platform. Here you go.
44:18
Use a percentage of your income, use Ticker, deploy that capital
44:21
and start accelerating. We can track it together.
44:26
You know our Speaking of Tikar, you guys are now in 50 plus
44:30
countries and of course with over 12,000 customers, what was
44:35
the hardest part of scaling up globally?
44:39
So a lot of my experience especially at big business and
44:43
this is how big businesses grow so fast is through channel
44:45
partners. You can do YouTube ads, Facebook
44:49
ads, Google ads, you can do SEO, you can whatever marketing
44:53
strategy you think is cute. Like people can do that.
44:56
And we do generate about 17% of our leads from our YouTube
44:59
channel, another 17% from SEO. But that's not where it comes
45:04
from. The majority come comes from
45:06
other businesses, channel partners.
45:08
So we partner with other fintech businesses that serve retail
45:13
investors, bloggers that talk about finance or investing
45:17
Youtubers, other Youtubers that talk about finance or investing,
45:20
other influencers. You know, that's a great
45:22
marriage and we we do a Rev share with them.
45:25
So it creates a win win. But you look at how big
45:27
businesses grow so quickly. That's essentially what they're
45:29
doing is they're partnering with other businesses and how do we
45:32
get to 1,000,000 people in one day, 10 million people in one
45:36
day. Our model is the same thing.
45:39
So it took a long time because you got to get your product.
45:42
If you're building software, you have to get to your product
45:44
maturity, something that you know users are happy to use
45:48
their, they feel empowered, it's got a good look and feel and
45:51
save some time, make some money. But then on the business side,
45:55
it's got to be a positive reflection on their brand.
45:57
If you come out of the gates with an ugly looking software
46:00
and want to partner with XYZ business and that business has a
46:03
million users, they're going to be a little apprehensive with
46:06
sharing your tool. So it took, I mean, we're, we're
46:10
now starting to get to some big partnership opportunities, but
46:13
it's 4 1/2 years. Not too many people would
46:16
continue grinding away to get big partnerships.
46:19
We're talking like exposure to millions of people we're facing
46:22
here. And it, it takes a long time.
46:26
It, it's a grind. It's like big grind, you know?
46:30
The grind, you know, when you look at what is reaching behind
46:33
me, it says it's not over when you lose, it's over when you
46:36
quit. You know quitters don't mean and
46:40
don't quit. That's good.
46:42
Very, very important, you know, to us founders, you know, I'm a
46:46
founder myself and you know, I always keep that at the back of
46:50
my mind. You know, a lot of people quit
46:53
too early before their breakthrough.
46:56
So you actually host your own podcast as well.
46:59
Payback time. How's that helped?
47:02
You know your personal brand and your professional brand.
47:06
You did some good homework on me.
47:08
However, this little snippet is actually a little old.
47:11
So I did decide to shut down Payback time.
47:14
We found payback Time, which was a pot, I'll keep it short for
47:17
your audience was really a podcast on helping people build
47:20
businesses. And over 3 1/2 four years, I
47:23
actually didn't generate any leads for Ticker or any
47:26
partnership opportunities. And I found it was actually
47:29
getting in the way of me because I'm the main sales guy reaching
47:33
out to partners, right? It's one of those deals where
47:35
you got to like you got to cut things out of your schedule that
47:39
are getting in the way of what really matters.
47:41
And so the podcast had to go. If if anything were to happen to
47:45
Ticker, for example, were to sell to a large financial
47:48
institution, the immediate next step I was, I would do is
47:51
probably create a venture capital firm and just help
47:54
startups. I'd probably do mentoring, but I
47:56
probably spin up payback time or version of it, maybe rebranded
48:00
or something because I loved it. I loved it.
48:02
It's a great way to network like what you're doing.
48:04
It's a beautiful business, but again, it just never translated
48:07
to an ROI to Ticker, so that's why shut it down.
48:11
Now. However, we do have the Ticker
48:13
YouTube channel and all the content I produce for that.
48:17
We actually create an audio version and launch it on Top
48:20
Stocks, which is a podcast we have.
48:22
So it's just the recycled YouTube content in audio format
48:26
that came as requests because some people are like driving to
48:29
work or doing something. They're like, Sean, I can't
48:31
watch YouTube. How do I listen, right?
48:35
You probably get the same thing. Right, How do I get so so I'm
48:39
hybrid, you know, I'm on YouTube.
48:41
I'm also on Spotify, Apple Podcasts, Amazon Podcasts,
48:45
basically we're available almost everywhere.
48:48
So you pick your option, pick your poison video, audio, we
48:52
serve away. And of course, I think I love
48:53
Spotify for the fact that they're hybrid.
48:56
You can actually choose the the video or audio option.
48:59
And of course, YouTube, YouTube Music also is that option.
49:04
You choose whether you want the audio or the I love hybrid
49:08
models. You know, in terms of, you know,
49:11
your leadership legacy, when it's all said and done, what do
49:15
you want to be remembered for? Gosh, I would say really making
49:21
a positive impact on people, especially financial outlook.
49:25
You know, they always, what is it health and wealth are like
49:28
right up there with the the two things people are really focused
49:31
on a lot and it can cause a lot of stress if you're not healthy,
49:35
What do you want more than anything to be healthy?
49:38
And if you don't have money, what do you want more than
49:39
anything, you want money. So to ease that stress, again,
49:43
I'm surprised not a lot of people are doing it like we are.
49:46
Yes, there's a lot of Youtubers and people talking about finance
49:49
and giving some good advice and some not so good advice, but
49:52
like we're going a step further and providing the actual tool.
49:56
Like here you go low barrier to entry.
49:59
I actually didn't give prices before and and this just saves
50:03
people a tonne of time where prices are aligned with Netflix.
50:05
It's like starts at 15 bucks a month or 99 a year to get into
50:10
the base tier and people really appreciate that our competitors
50:13
around the same price. It's like you want to make this
50:15
easy to use. Of course, if you're looking at
50:17
this from the UK, you're going to see pounds.
50:22
You have a a tool called paddle. I won't go into detail, but it
50:24
converts the pricing based on where you're located.
50:26
So it makes it a global tool, not a not AUS tool.
50:29
That's a lesson I learned working for GE is create global
50:33
software. Don't just create AUS software.
50:34
But anyway, that's that's a legacy I want to leave really
50:37
made a positive impact on people specifically around the topic of
50:41
finance. Oh wow, I I, I love that
50:44
positive impact is statement or what I say a compound word that
50:49
is very, very dear to my heart. And let's go through the quick
50:55
fire round. I have a quick fire round
50:57
questions for you fun and fast. Are you ready to rumble?
51:02
I'm ready to rock. Let's do it.
51:03
OK. So number one was the first
51:05
stock you ever bought and how did you perform?
51:09
First stock I ever bought was actually PayPal and that had
51:12
performed very well over the years, but that is my one dud in
51:15
My Portfolio as we speak out of 10 stocks I hold.
51:19
But I'm still very bullish on it because it's a payment tech
51:22
platform, highly scalable business and their new CEO over
51:26
the last year has been making wise choices.
51:28
So I'm I'm very bullish over the long term on PayPal.
51:32
I am bullish on PayPal. It's something that is going to
51:35
continue to stay relevant, you know, for the first year if you
51:38
need to write out the troughs to get to the peaks, you know,
51:43
number 21 book that changed your financial mindset forever.
51:48
Probably going back almost 10 years, I read Good to great for
51:52
the first time. I was like, that was the first
51:55
really impactful book. I of course read the whole list
51:58
of Hot One friends and influence people and and Richard.
52:01
Cornell. Yeah, the usual suspects, but
52:06
yeah, good to great was yeah, good book I read.
52:12
I've got bookshelves all over around the room you can't see.
52:14
But like I'm always trying to consume some kind of marketing
52:17
sales leadership. I love that grin of my mom used
52:21
to say read as Anita and I agree with that.
52:25
Good advice, yeah. #3 ice cream or golf to unwind?
52:29
What's your go to? Did you say ice cream?
52:34
Yeah, or golf. I oh gosh, can I say both?
52:39
Or leave A twist. There you go.
52:41
You know what it would it would make golf much more difficult
52:45
because managing melting ice cream out there on a hot, sunny
52:48
day. So I'm all about experiences.
52:51
Of course I love ice cream, but I got to go with I love playing
52:56
golf and I love being out there with friends.
52:57
So golf is the winner. OK, there you go #4 what's one
53:02
thing people assume about investing that drives you crazy?
53:07
They'll say the market is rigged and, and my response to that is,
53:12
no, you're not seeing what they're looking at, which is
53:15
again, profits is #1 if you literally just follow profits,
53:19
in most cases, you're going to make a positive return.
53:22
So many people overcomplicate it.
53:24
The market's not right. We're looking at profits.
53:25
And I work for big business businesses and I was in those
53:28
boardrooms. Guess what they're talking about
53:30
every quarter? Profits Where the profits.
53:32
Profit is sanity, you know. Yeah.
53:35
Are they increasing quarter over quarter?
53:37
That's it. It's not complicated.
53:40
So #5 If Teeker had a theme song, what would he be and why?
53:47
Oh man, I got to go to my one of my favourite songs.
53:52
Thanks to my parents for getting me into 70's rock.
53:55
Peter Frampton. Do you feel like I do almost a
53:58
15 minute song? If you if you know it, you know
54:00
it goes out there, then know it. I, I need to find that song.
54:04
I need to find that song, you know, but we've actually come to
54:07
the end of today's episode. I always say that an attitude of
54:12
gratitude is good attitude and the SI unit for measuring life
54:17
is time. So if somebody shares their time
54:20
with you to share their life with you.
54:21
So thank you today for sharing your time, your life educated
54:25
and of course, inspiring us on the platform.
54:28
Love and respect to you all the way to your side of the pond for
54:35
wishing you the very, very best in all of your endeavours.
54:38
So do you want to leave a shout out to anybody?
54:41
And of course, please advise our audience on the right thing to
54:44
do in terms of disseminating the valuable information.
54:49
Always leave it with two things at the end of a podcast #1 is
54:53
you can. If you want to learn more about
54:55
Ticker, just go to ticker.com, tykr.com and then I'm very
55:01
active on LinkedIn. Sean Tepper, easy to find.
55:05
Yeah. Any questions there, reach out.
55:07
OK, Thank you very much. And of course audience, you know
55:10
what to do. Share, like subscribe, share
55:13
with your network basically. And of course, until I see you
55:18
again, stay out of trouble and be good guys.