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Rockin’ The Code World with dotNetDave ft. Steve Stedman - Ep. 104
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Aug 6, 2025
Join us on July 6 with David McCarter & Steve Stedman for the next episode of Rockin' The Code World with dotNetDave - a weekly show to learn & live Q&A focused on .NET and other programming technologies. AGENDA - Getting to retirement in tech. What does it take, and how do we get there? GUEST SPEAKER Steve Stedman is the founder and owner of Stedman Solutions, LLC where he and the Stedman Solutions team have been supporting our customers SQL Server environments for the last 9 years. Steve has over 34 years of SQL Server experience working with SQL Server and other database platforms. Steve was the creator and has been the primary developer on the Database Health Monitor application for the last 13 years. He regularly blogs at http://SteveStedman.com. 📺 CSharp TV - Dev Streaming Destination http://csharp.tv 🌎 C# Corner - Community of Software and Data Developers https://www.c-sharpcorner.com #CSharpTV #csharpcorner #CSharp #dotNet
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[Applause] hey Geeks welcome back to another
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hey Geeks welcome back to another
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hey Geeks welcome back to another exciting uh episode of rock in the cold
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exciting uh episode of rock in the cold
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exciting uh episode of rock in the cold world with donet Dave I'm Dave mcarter
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world with donet Dave I'm Dave mcarter
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world with donet Dave I'm Dave mcarter I'm glad you're all back it's been a
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I'm glad you're all back it's been a
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I'm glad you're all back it's been a month I've missed you all it's uh it
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month I've missed you all it's uh it
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month I've missed you all it's uh it seems like I was just telling Simon it
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seems like I was just telling Simon it
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seems like I was just telling Simon it seems like it's been longer than a month
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seems like it's been longer than a month
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seems like it's been longer than a month since the last show so I'm I'm really
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since the last show so I'm I'm really
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since the last show so I'm I'm really excited about the show and this show and
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excited about the show and this show and
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excited about the show and this show and I'm really excited about the topic too
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I'm really excited about the topic too
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I'm really excited about the topic too so uh let's get into it so my my special
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so uh let's get into it so my my special
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so uh let's get into it so my my special guest today is a Steve Stedman I think
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guest today is a Steve Stedman I think
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guest today is a Steve Stedman I think uh if I count correctly Simon can tell
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uh if I count correctly Simon can tell
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uh if I count correctly Simon can tell me if if I miscount it this is his third
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me if if I miscount it this is his third
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me if if I miscount it this is his third time on the show and usually you know
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time on the show and usually you know
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time on the show and usually you know Steve is a uh uh Steve is a database
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Steve is a uh uh Steve is a database
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Steve is a uh uh Steve is a database expert actually he has a database tool
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expert actually he has a database tool
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expert actually he has a database tool that I have to use if I'm using SQL
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that I have to use if I'm using SQL
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that I have to use if I'm using SQL Server because it just is an awesome
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Server because it just is an awesome
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Server because it just is an awesome awesome tool um but you know we're not
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awesome tool um but you know we're not
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awesome tool um but you know we're not going to be talking about that today um
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going to be talking about that today um
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going to be talking about that today um we're going to be talking about getting
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we're going to be talking about getting
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we're going to be talking about getting to retirement in Tech and I'll talk
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to retirement in Tech and I'll talk
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to retirement in Tech and I'll talk about that in just a couple in just a
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about that in just a couple in just a
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about that in just a couple in just a minute uh some more so this is show
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minute uh some more so this is show
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minute uh some more so this is show 104 uh wow it's a big number um I hope
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104 uh wow it's a big number um I hope
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104 uh wow it's a big number um I hope you all had everybody in America at
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you all had everybody in America at
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you all had everybody in America at least I hope you all had a great uh July
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least I hope you all had a great uh July
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least I hope you all had a great uh July 4th holiday and and everybody is safe
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4th holiday and and everybody is safe
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4th holiday and and everybody is safe and uh you didn't die in the sweltering
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and uh you didn't die in the sweltering
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and uh you didn't die in the sweltering heat that um a lot of America is dealing
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heat that um a lot of America is dealing
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heat that um a lot of America is dealing with um not me of course because I live
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with um not me of course because I live
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with um not me of course because I live in San Diego but a lot of America but
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in San Diego but a lot of America but
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in San Diego but a lot of America but summer is finally here in San Diego I
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summer is finally here in San Diego I
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summer is finally here in San Diego I was worrying that we going to have a uh
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was worrying that we going to have a uh
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was worrying that we going to have a uh a crappy summer like last year but um it
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a crappy summer like last year but um it
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a crappy summer like last year but um it looks like it's uh turning around this
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looks like it's uh turning around this
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looks like it's uh turning around this year so beautiful day it's been
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year so beautiful day it's been
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year so beautiful day it's been beautiful outside here uh not too hot by
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beautiful outside here uh not too hot by
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beautiful outside here uh not too hot by the beach where I live and so if you
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the beach where I live and so if you
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the beach where I live and so if you want to come visit me you're more than
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want to come visit me you're more than
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want to come visit me you're more than welcome to I'm always willing to hang
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welcome to I'm always willing to hang
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welcome to I'm always willing to hang out and uh show people uh why I love uh
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out and uh show people uh why I love uh
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out and uh show people uh why I love uh San Diego so much anyway uh so let's get
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San Diego so much anyway uh so let's get
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San Diego so much anyway uh so let's get to the show
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to the show
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to the show um wait I thought I had
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um wait I thought I had
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um wait I thought I had another did I not unhide that uh anyway
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another did I not unhide that uh anyway
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another did I not unhide that uh anyway I I think I screwed up one of my slides
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I I think I screwed up one of my slides
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I I think I screwed up one of my slides anyway what I want to talk about is uh
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anyway what I want to talk about is uh
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anyway what I want to talk about is uh promote is in on September I think it's
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promote is in on September I think it's
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promote is in on September I think it's September 7th I'm going uh to do a panel
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September 7th I'm going uh to do a panel
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September 7th I'm going uh to do a panel show very special panel show um where
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show very special panel show um where
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show very special panel show um where we're going to be talking about this
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we're going to be talking about this
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we're going to be talking about this subject uh which is H basically uh
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subject uh which is H basically uh
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subject uh which is H basically uh giving advice to younger
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giving advice to younger
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giving advice to younger developers uh uh so when they hit you
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developers uh uh so when they hit you
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developers uh uh so when they hit you know 30 years of uh being a software
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know 30 years of uh being a software
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know 30 years of uh being a software engineer like myself uh they're more
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engineer like myself uh they're more
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engineer like myself uh they're more prepared than I am because you know I
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prepared than I am because you know I
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prepared than I am because you know I didn't get any advice uh I had no advice
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didn't get any advice uh I had no advice
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didn't get any advice uh I had no advice when I was a younger software engineer
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when I was a younger software engineer
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when I was a younger software engineer um I think part of that was because you
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um I think part of that was because you
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um I think part of that was because you know software engineering was still
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know software engineering was still
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know software engineering was still relatively young back then and so there
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relatively young back then and so there
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relatively young back then and so there wasn't a lot of uh back you know back
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wasn't a lot of uh back you know back
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wasn't a lot of uh back you know back information uh but but now software
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information uh but but now software
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information uh but but now software engineering's been around a long time
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engineering's been around a long time
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engineering's been around a long time and and a lot of people have uh come
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and and a lot of people have uh come
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and and a lot of people have uh come through this industry a lot of people
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through this industry a lot of people
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through this industry a lot of people have retired and I want to prepare the
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have retired and I want to prepare the
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have retired and I want to prepare the younger developers to to not struggle as
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younger developers to to not struggle as
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younger developers to to not struggle as much as I am right now uh in this career
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much as I am right now uh in this career
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much as I am right now uh in this career uh being this uh you know being around
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uh being this uh you know being around
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uh being this uh you know being around this long so anyway so that's the topic
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this long so anyway so that's the topic
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this long so anyway so that's the topic for today and that will be the topic in
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for today and that will be the topic in
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for today and that will be the topic in in two months in September to and I hope
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in two months in September to and I hope
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in two months in September to and I hope you'll uh come back on in September
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you'll uh come back on in September
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you'll uh come back on in September because I have a special panel of
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because I have a special panel of
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because I have a special panel of experts from uh around the world
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experts from uh around the world
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experts from uh around the world including uh two from Microsoft and uh
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including uh two from Microsoft and uh
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including uh two from Microsoft and uh we're going to have a really great
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we're going to have a really great
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we're going to have a really great discussion and so I hope you come back
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discussion and so I hope you come back
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discussion and so I hope you come back um sorry I'm on the wrong
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screen so I want to promote my code
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screen so I want to promote my code
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screen so I want to promote my code performance book it's out um it's still
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performance book it's out um it's still
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performance book it's out um it's still on sale this month uh so if you want to
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on sale this month uh so if you want to
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on sale this month uh so if you want to get a copy of my brand new code
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get a copy of my brand new code
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get a copy of my brand new code performance book on Microsoft done at 8
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performance book on Microsoft done at 8
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performance book on Microsoft done at 8 I hope you do um because the price will
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I hope you do um because the price will
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I hope you do um because the price will increase at the end of this month so if
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increase at the end of this month so if
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increase at the end of this month so if you're holding off uh getting a copy uh
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you're holding off uh getting a copy uh
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you're holding off uh getting a copy uh you can save some money if you buy right
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you can save some money if you buy right
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you can save some money if you buy right now so I hope you go do that um and I
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now so I hope you go do that um and I
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now so I hope you go do that um and I continually to do work on uh performance
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continually to do work on uh performance
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continually to do work on uh performance actually uh something and I'll be
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actually uh something and I'll be
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actually uh something and I'll be writing more about this I have some
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writing more about this I have some
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writing more about this I have some articles already uh uh done and we'll be
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articles already uh uh done and we'll be
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articles already uh uh done and we'll be coming out soon about how I've been
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coming out soon about how I've been
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coming out soon about how I've been using co-pilot to actually make my open-
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using co-pilot to actually make my open-
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using co-pilot to actually make my open- source project spon faster and and
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source project spon faster and and
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source project spon faster and and there's one method in in the uh upcoming
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there's one method in in the uh upcoming
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there's one method in in the uh upcoming August release that has the performance
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August release that has the performance
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August release that has the performance has increased uh over 1,500 times on one
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has increased uh over 1,500 times on one
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has increased uh over 1,500 times on one method uh just using uh GitHub co-pilot
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method uh just using uh GitHub co-pilot
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method uh just using uh GitHub co-pilot so um I thought spon was really fast but
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so um I thought spon was really fast but
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so um I thought spon was really fast but I'm finding out that there was room for
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I'm finding out that there was room for
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I'm finding out that there was room for approvement just like in any code really
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approvement just like in any code really
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approvement just like in any code really uh so anyway uh I hope you uh get a copy
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uh so anyway uh I hope you uh get a copy
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uh so anyway uh I hope you uh get a copy of the book before the price goes up and
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of the book before the price goes up and
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of the book before the price goes up and I hope you stay tuned to my website um
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I hope you stay tuned to my website um
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I hope you stay tuned to my website um when those articles come
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when those articles come
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when those articles come out also so um my coding standards book
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out also so um my coding standards book
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out also so um my coding standards book is out I hope you get a copy of that
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is out I hope you get a copy of that
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is out I hope you get a copy of that came out the early um beginning of this
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came out the early um beginning of this
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came out the early um beginning of this year um we all need coding standards
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year um we all need coding standards
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year um we all need coding standards especially uh the code I see definitely
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especially uh the code I see definitely
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especially uh the code I see definitely needs coding standards uh you know as a
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needs coding standards uh you know as a
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needs coding standards uh you know as a contractor I see the worst code ever and
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contractor I see the worst code ever and
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contractor I see the worst code ever and uh so that's why we need standards so I
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uh so that's why we need standards so I
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uh so that's why we need standards so I hope you go pick up a copy and you can
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hope you go pick up a copy and you can
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hope you go pick up a copy and you can even get a hardbound copy too someone
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even get a hardbound copy too someone
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even get a hardbound copy too someone bought one I didn't think anybody would
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bought one I didn't think anybody would
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bought one I didn't think anybody would I just basically did it to give away p
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I just basically did it to give away p
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I just basically did it to give away p is uh you know prizes and stuff but
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is uh you know prizes and stuff but
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is uh you know prizes and stuff but someone bought one huh who knew so uh I
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someone bought one huh who knew so uh I
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someone bought one huh who knew so uh I hope you go get
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hope you go get
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hope you go get that oh I did have the slide it was in
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that oh I did have the slide it was in
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that oh I did have the slide it was in the wrong place so anyway oh nope I'm
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the wrong place so anyway oh nope I'm
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the wrong place so anyway oh nope I'm getting all mixed up so yesterday was my
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getting all mixed up so yesterday was my
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getting all mixed up so yesterday was my 30th year anniversary of speaking in
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30th year anniversary of speaking in
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30th year anniversary of speaking in public uh July 5th uh
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public uh July 5th uh
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public uh July 5th uh 1994 was the first time I spoke in front
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1994 was the first time I spoke in front
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1994 was the first time I spoke in front of a group of people
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of a group of people
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of a group of people uh which was terrifying to me and it was
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uh which was terrifying to me and it was
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uh which was terrifying to me and it was for a while and I I know some of you out
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for a while and I I know some of you out
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for a while and I I know some of you out there who have seen me speak or have
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there who have seen me speak or have
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there who have seen me speak or have seen me in in uh uh you know India or
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seen me in in uh uh you know India or
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seen me in in uh uh you know India or other conferences and you you know you
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other conferences and you you know you
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other conferences and you you know you see me you know speak in front of people
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see me you know speak in front of people
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see me you know speak in front of people super easy and it seems to come
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super easy and it seems to come
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super easy and it seems to come naturally well it didn't it was a lot a
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naturally well it didn't it was a lot a
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naturally well it didn't it was a lot a lot of hard work uh you know when I
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lot of hard work uh you know when I
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lot of hard work uh you know when I started speaking you know I hated
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started speaking you know I hated
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started speaking you know I hated talking in front of people I I um you
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talking in front of people I I um you
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talking in front of people I I um you know it was my second biggest fear and I
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know it was my second biggest fear and I
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know it was my second biggest fear and I avoided it at all costs even when I was
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avoided it at all costs even when I was
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avoided it at all costs even when I was in school and um but I was able to turn
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in school and um but I was able to turn
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in school and um but I was able to turn that around and so this first article
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that around and so this first article
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that around and so this first article that came out yesterday um is kind of an
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that came out yesterday um is kind of an
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that came out yesterday um is kind of an overview of you know
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overview of you know
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overview of you know everything that speaking in public has
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everything that speaking in public has
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everything that speaking in public has uh has taught me in the last 30 years
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uh has taught me in the last 30 years
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uh has taught me in the last 30 years and and in the article I hope you read
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and and in the article I hope you read
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and and in the article I hope you read it is you know I state that you know my
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it is you know I state that you know my
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it is you know I state that you know my career would have been much different if
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career would have been much different if
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career would have been much different if I didn't learn how to speak in front of
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I didn't learn how to speak in front of
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I didn't learn how to speak in front of people and communicate properly you know
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people and communicate properly you know
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people and communicate properly you know from from developers all the way up to
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from from developers all the way up to
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from from developers all the way up to CEOs and I share a story about uh you
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CEOs and I share a story about uh you
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CEOs and I share a story about uh you know a time when a CEO uh confided with
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know a time when a CEO uh confided with
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know a time when a CEO uh confided with me and you know we had to change
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me and you know we had to change
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me and you know we had to change direction for the company so and I don't
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direction for the company so and I don't
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direction for the company so and I don't think that would have happened if I
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think that would have happened if I
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think that would have happened if I didn't learn how to speak and I wasn't a
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didn't learn how to speak and I wasn't a
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didn't learn how to speak and I wasn't a teacher at a university and you know all
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teacher at a university and you know all
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teacher at a university and you know all those kind of things and so you know
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those kind of things and so you know
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those kind of things and so you know these this art article and the article
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these this art article and the article
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these this art article and the article is coming out is is hopefully there so
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is coming out is is hopefully there so
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is coming out is is hopefully there so to inspire you all who don't speak uh to
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to inspire you all who don't speak uh to
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to inspire you all who don't speak uh to give you encouragement to do it because
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give you encouragement to do it because
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give you encouragement to do it because it will enrich your career and your
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it will enrich your career and your
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it will enrich your career and your personal life uh as I also state in the
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personal life uh as I also state in the
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personal life uh as I also state in the article so um I hope you go uh uh not
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article so um I hope you go uh uh not
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article so um I hope you go uh uh not only read that article but uh stay tuned
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only read that article but uh stay tuned
9:49
only read that article but uh stay tuned to uh my website because I have other
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to uh my website because I have other
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to uh my website because I have other articles done and will be coming out in
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articles done and will be coming out in
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articles done and will be coming out in subsequent weeks so um I hope you go
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subsequent weeks so um I hope you go
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subsequent weeks so um I hope you go check that out all right so I want to uh
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check that out all right so I want to uh
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check that out all right so I want to uh bring uh Steve back on he's the founder
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bring uh Steve back on he's the founder
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bring uh Steve back on he's the founder of a St uh stemman Solutions LLC where
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of a St uh stemman Solutions LLC where
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of a St uh stemman Solutions LLC where he and stemman solutions team has been
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he and stemman solutions team has been
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he and stemman solutions team has been supporting his customers in SQL Server
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supporting his customers in SQL Server
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supporting his customers in SQL Server environments for the last nine years
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environments for the last nine years
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environments for the last nine years he's also uh been he has 34 years of SQL
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he's also uh been he has 34 years of SQL
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he's also uh been he has 34 years of SQL uh server experience with uh SQL server
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uh server experience with uh SQL server
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uh server experience with uh SQL server and other database platforms as he's the
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and other database platforms as he's the
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and other database platforms as he's the Creator and been primary developer of
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Creator and been primary developer of
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Creator and been primary developer of the database health monitor that's the
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the database health monitor that's the
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the database health monitor that's the application that I mentioned a couple
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application that I mentioned a couple
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application that I mentioned a couple minutes ago that you know when I'm using
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minutes ago that you know when I'm using
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minutes ago that you know when I'm using SQL Server I have to use that monitor uh
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SQL Server I have to use that monitor uh
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SQL Server I have to use that monitor uh it's so so helpful and uh and he's been
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it's so so helpful and uh and he's been
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it's so so helpful and uh and he's been doing that for 13 years so welcome
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doing that for 13 years so welcome
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doing that for 13 years so welcome Steve hey David thanks for having me on
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Steve hey David thanks for having me on
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Steve hey David thanks for having me on the show yeah welcome back third time
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the show yeah welcome back third time
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the show yeah welcome back third time and congratulations on your 30 years of
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and congratulations on your 30 years of
10:51
and congratulations on your 30 years of public speaking thank you I can remember
10:53
public speaking thank you I can remember
10:53
public speaking thank you I can remember back to the beginning and how how
10:55
back to the beginning and how how
10:55
back to the beginning and how how terrified I was too oh my gosh I was so
10:58
terrified I was too oh my gosh I was so
10:58
terrified I was too oh my gosh I was so terrified and you know in in that first
11:01
terrified and you know in in that first
11:01
terrified and you know in in that first article I I briefly share uh my
11:04
article I I briefly share uh my
11:04
article I I briefly share uh my experience of the first time I spoke at
11:06
experience of the first time I spoke at
11:06
experience of the first time I spoke at an actual conference you know which uh
11:10
an actual conference you know which uh
11:10
an actual conference you know which uh uh was a local conference here uh put on
11:13
uh was a local conference here uh put on
11:13
uh was a local conference here uh put on by a a local computer magazine that we
11:15
by a a local computer magazine that we
11:15
by a a local computer magazine that we used to have here back in the 90s and um
11:19
used to have here back in the 90s and um
11:19
used to have here back in the 90s and um they asked me to speak at their com
11:21
they asked me to speak at their com
11:21
they asked me to speak at their com their annual conference and I was
11:24
their annual conference and I was
11:24
their annual conference and I was terrified you know I my stomach I I had
11:28
terrified you know I my stomach I I had
11:28
terrified you know I my stomach I I had a hard time getting out of the bathroom
11:30
a hard time getting out of the bathroom
11:30
a hard time getting out of the bathroom at the event you know because I just my
11:33
at the event you know because I just my
11:33
at the event you know because I just my nerves was just really bad you know and
11:37
nerves was just really bad you know and
11:37
nerves was just really bad you know and uh yep oh yeah and and
11:40
uh yep oh yeah and and
11:40
uh yep oh yeah and and so I think anyone who's spoken for long
11:43
so I think anyone who's spoken for long
11:43
so I think anyone who's spoken for long term has been there in the beginning
11:44
term has been there in the beginning
11:44
term has been there in the beginning right yeah yeah I you know I know a lot
11:46
right yeah yeah I you know I know a lot
11:46
right yeah yeah I you know I know a lot of people speak as long as I and still
11:49
of people speak as long as I and still
11:49
of people speak as long as I and still get you know nervous and and afraid
11:52
get you know nervous and and afraid
11:52
get you know nervous and and afraid sometimes when they speak luckily I
11:53
sometimes when they speak luckily I
11:53
sometimes when they speak luckily I don't have that anymore thank goodness
11:56
don't have that anymore thank goodness
11:56
don't have that anymore thank goodness you know the you know as I stated in the
11:58
you know the you know as I stated in the
11:58
you know the you know as I stated in the article like the the only time I get a
12:01
article like the the only time I get a
12:01
article like the the only time I get a little bit nervous now is the first time
12:02
little bit nervous now is the first time
12:03
little bit nervous now is the first time I speak in a new country because I'm not
12:05
I speak in a new country because I'm not
12:05
I speak in a new country because I'm not really sure you know how the developers
12:07
really sure you know how the developers
12:07
really sure you know how the developers react to things there right and uh oh
12:10
react to things there right and uh oh
12:10
react to things there right and uh oh sure yeah yeah so uh there's actually a
12:12
sure yeah yeah so uh there's actually a
12:12
sure yeah yeah so uh there's actually a picture of me the first time I spoke in
12:13
picture of me the first time I spoke in
12:14
picture of me the first time I spoke in India trying to mentally prepare myself
12:16
India trying to mentally prepare myself
12:16
India trying to mentally prepare myself I'm sitting on the floor trying to you
12:18
I'm sitting on the floor trying to you
12:18
I'm sitting on the floor trying to you know uh get get rid of the nervousness a
12:21
know uh get get rid of the nervousness a
12:21
know uh get get rid of the nervousness a little bit uh before I spoke the first
12:24
little bit uh before I spoke the first
12:24
little bit uh before I spoke the first time in India right and uh and so yeah
12:27
time in India right and uh and so yeah
12:27
time in India right and uh and so yeah it's been a it's been a long career I I
12:30
it's been a it's been a long career I I
12:30
it's been a it's been a long career I I mean a long time I've been speaking but
12:33
mean a long time I've been speaking but
12:33
mean a long time I've been speaking but for me you know it's been really
12:35
for me you know it's been really
12:35
for me you know it's been really rewarding uh not only like I I said for
12:38
rewarding uh not only like I I said for
12:39
rewarding uh not only like I I said for my career but also you know my personal
12:41
my career but also you know my personal
12:41
my career but also you know my personal life too so yep yep and you know from
12:44
life too so yep yep and you know from
12:45
life too so yep yep and you know from from my perspective on this prior to
12:47
from my perspective on this prior to
12:47
from my perspective on this prior to this interview we're doing right now
12:49
this interview we're doing right now
12:49
this interview we're doing right now almost every time that I've presented
12:51
almost every time that I've presented
12:51
almost every time that I've presented publicly has been on Tech specific
12:55
publicly has been on Tech specific
12:55
publicly has been on Tech specific topics SQL Server how to do make them
12:58
topics SQL Server how to do make them
12:58
topics SQL Server how to do make them more perform and different things with
13:01
more perform and different things with
13:01
more perform and different things with queries and all that so I'm kind of
13:02
queries and all that so I'm kind of
13:02
queries and all that so I'm kind of stepping out on a limb here doing a
13:04
stepping out on a limb here doing a
13:04
stepping out on a limb here doing a little bit different topic this time
13:06
little bit different topic this time
13:06
little bit different topic this time yeah but it's something that's kind of
13:07
yeah but it's something that's kind of
13:07
yeah but it's something that's kind of near and dear to my heart at this point
13:08
near and dear to my heart at this point
13:08
near and dear to my heart at this point as well so yeah and you know um not only
13:12
as well so yeah and you know um not only
13:12
as well so yeah and you know um not only do I write about different kind of
13:14
do I write about different kind of
13:14
do I write about different kind of subjects you know uh than other other
13:17
subjects you know uh than other other
13:17
subjects you know uh than other other than just Tech but kind of tech related
13:19
than just Tech but kind of tech related
13:19
than just Tech but kind of tech related adjacent right um it you know I've found
13:24
adjacent right um it you know I've found
13:24
adjacent right um it you know I've found it harder to write or talk about those
13:27
it harder to write or talk about those
13:27
it harder to write or talk about those things right because you know you and I
13:29
things right because you know you and I
13:29
things right because you know you and I are tech people and we know our Tech
13:31
are tech people and we know our Tech
13:31
are tech people and we know our Tech stuff and so we can you know spit that
13:33
stuff and so we can you know spit that
13:33
stuff and so we can you know spit that out the top of our heads but when it
13:35
out the top of our heads but when it
13:35
out the top of our heads but when it comes to other you know more soft skills
13:38
comes to other you know more soft skills
13:38
comes to other you know more soft skills I guess you would say it's it's harder
13:40
I guess you would say it's it's harder
13:40
I guess you would say it's it's harder right oh absolutely yep and and
13:43
right oh absolutely yep and and
13:43
right oh absolutely yep and and especially because we don't know how
13:44
especially because we don't know how
13:44
especially because we don't know how it'll be received right and and and so
13:48
it'll be received right and and and so
13:48
it'll be received right and and and so you know I know we usually don't get a
13:50
you know I know we usually don't get a
13:50
you know I know we usually don't get a lot of people watching live but you know
13:52
lot of people watching live but you know
13:52
lot of people watching live but you know if you are watching live please uh let
13:54
if you are watching live please uh let
13:54
if you are watching live please uh let us know uh that you are and and where
13:57
us know uh that you are and and where
13:57
us know uh that you are and and where you're watching from but if you're
13:59
you're watching from but if you're
13:59
you're watching from but if you're watching this recorded you know please
14:01
watching this recorded you know please
14:01
watching this recorded you know please tell your younger developers to watch
14:03
tell your younger developers to watch
14:03
tell your younger developers to watch this show uh because they need to you
14:06
this show uh because they need to you
14:06
this show uh because they need to you know think about this even when they're
14:09
know think about this even when they're
14:09
know think about this even when they're a beginner and uh and uh and and and
14:12
a beginner and uh and uh and and and
14:12
a beginner and uh and uh and and and like I said earlier we'll be talking
14:14
like I said earlier we'll be talking
14:14
like I said earlier we'll be talking about this on the panel show in in
14:16
about this on the panel show in in
14:16
about this on the panel show in in September also so yeah well shall I jump
14:20
September also so yeah well shall I jump
14:20
September also so yeah well shall I jump into talking about retirement then so I
14:22
into talking about retirement then so I
14:22
into talking about retirement then so I mean this is one of those things that I
14:24
mean this is one of those things that I
14:24
mean this is one of those things that I mean I I I guess I should say early on I
14:28
mean I I I guess I should say early on I
14:28
mean I I I guess I should say early on I didn't have the best planning uh I
14:30
didn't have the best planning uh I
14:30
didn't have the best planning uh I didn't know what I was doing and I think
14:32
didn't know what I was doing and I think
14:32
didn't know what I was doing and I think that uh I'm at the point where I'm in my
14:34
that uh I'm at the point where I'm in my
14:34
that uh I'm at the point where I'm in my mid-50s and I'm trying to get to the
14:36
mid-50s and I'm trying to get to the
14:36
mid-50s and I'm trying to get to the point of one day getting to retirement
14:39
point of one day getting to retirement
14:39
point of one day getting to retirement uh I don't think it's gonna be this year
14:40
uh I don't think it's gonna be this year
14:40
uh I don't think it's gonna be this year I don't think it's gonna be next year
14:41
I don't think it's gonna be next year
14:41
I don't think it's gonna be next year but hopefully I'll get there one day and
14:44
but hopefully I'll get there one day and
14:44
but hopefully I'll get there one day and I've seen too many people in Tech get to
14:47
I've seen too many people in Tech get to
14:47
I've seen too many people in Tech get to the point that uh they just keep working
14:51
the point that uh they just keep working
14:51
the point that uh they just keep working indefinitely and to the point that once
14:54
indefinitely and to the point that once
14:54
indefinitely and to the point that once they finally do retire they have less
14:55
they finally do retire they have less
14:55
they finally do retire they have less than a couple years left before they're
14:58
than a couple years left before they're
14:58
than a couple years left before they're no longer longer around and I think that
15:02
no longer longer around and I think that
15:02
no longer longer around and I think that uh that that makes me sad when I see
15:04
uh that that makes me sad when I see
15:04
uh that that makes me sad when I see people have worked so hard it's for so
15:06
people have worked so hard it's for so
15:06
people have worked so hard it's for so many companies over the years to help
15:09
many companies over the years to help
15:09
many companies over the years to help them succeed and I think that
15:12
them succeed and I think that
15:12
them succeed and I think that uh the other end of it is you've got
15:15
uh the other end of it is you've got
15:15
uh the other end of it is you've got people who have like stock options that
15:17
people who have like stock options that
15:17
people who have like stock options that have just hit it big I mean I remember
15:20
have just hit it big I mean I remember
15:20
have just hit it big I mean I remember in 2000 I was working at Amazon and I
15:23
in 2000 I was working at Amazon and I
15:23
in 2000 I was working at Amazon and I had stock options and I'd worked there
15:25
had stock options and I'd worked there
15:25
had stock options and I'd worked there like seven months and my stock options
15:27
like seven months and my stock options
15:27
like seven months and my stock options were over a million dollars value and uh
15:31
were over a million dollars value and uh
15:31
were over a million dollars value and uh then came March of 2020 and they went
15:34
then came March of 2020 and they went
15:34
then came March of 2020 and they went all negative before I could even cash in
15:36
all negative before I could even cash in
15:36
all negative before I could even cash in a single one and I've had a couple other
15:38
a single one and I've had a couple other
15:38
a single one and I've had a couple other employers I've worked for where I've had
15:39
employers I've worked for where I've had
15:39
employers I've worked for where I've had stock options that I thought oh this is
15:41
stock options that I thought oh this is
15:41
stock options that I thought oh this is a lot of money if I if I if this
15:43
a lot of money if I if I if this
15:43
a lot of money if I if I if this actually goes through I could retire one
15:45
actually goes through I could retire one
15:45
actually goes through I could retire one day and then well a lot of things happen
15:48
day and then well a lot of things happen
15:48
day and then well a lot of things happen along the way with
15:50
along the way with
15:50
along the way with companies yeah it did and you know and I
15:54
companies yeah it did and you know and I
15:54
companies yeah it did and you know and I you know this is of course a longer
15:56
you know this is of course a longer
15:56
you know this is of course a longer story that I'll be sharing uh in
15:58
story that I'll be sharing uh in
15:58
story that I'll be sharing uh in articles but but you know I you know in
16:01
articles but but you know I you know in
16:01
articles but but you know I you know in the beginning when I was a beginner one
16:03
the beginning when I was a beginner one
16:03
the beginning when I was a beginner one of the things companies I targeted for a
16:05
of the things companies I targeted for a
16:05
of the things companies I targeted for a few reasons uh were startups right
16:09
few reasons uh were startups right
16:09
few reasons uh were startups right because um I learned a ton working at
16:12
because um I learned a ton working at
16:12
because um I learned a ton working at startups right and be and I tell people
16:15
startups right and be and I tell people
16:15
startups right and be and I tell people if you really want to get experience
16:16
if you really want to get experience
16:16
if you really want to get experience quick work for a startup because you
16:18
quick work for a startup because you
16:18
quick work for a startup because you have to wear many different hats right
16:21
have to wear many different hats right
16:21
have to wear many different hats right but you know the other reason I worked
16:23
but you know the other reason I worked
16:23
but you know the other reason I worked at a startup is because I wanted to hit
16:25
at a startup is because I wanted to hit
16:25
at a startup is because I wanted to hit it big right I wanted the company to
16:27
it big right I wanted the company to
16:27
it big right I wanted the company to make something awesome and then uh
16:29
make something awesome and then uh
16:29
make something awesome and then uh somebody buy the company and I you know
16:32
somebody buy the company and I you know
16:32
somebody buy the company and I you know all that stuff long story short I only
16:35
all that stuff long story short I only
16:35
all that stuff long story short I only work for one company uh that I actually
16:39
work for one company uh that I actually
16:39
work for one company uh that I actually have stock options that you know are
16:41
have stock options that you know are
16:41
have stock options that you know are worth as much as toilet paper right and
16:44
worth as much as toilet paper right and
16:44
worth as much as toilet paper right and uh literally well the company's not even
16:47
uh literally well the company's not even
16:47
uh literally well the company's not even around anymore so but yep but so you
16:50
around anymore so but yep but so you
16:50
around anymore so but yep but so you know my whole dream of you know hitting
16:52
know my whole dream of you know hitting
16:52
know my whole dream of you know hitting it big uh in in startups didn't work you
16:56
it big uh in in startups didn't work you
16:56
it big uh in in startups didn't work you know but that was that was my plan you
16:58
know but that was that was my plan you
16:58
know but that was that was my plan you know my and I had a so you know if you
17:01
know my and I had a so you know if you
17:01
know my and I had a so you know if you hear me today and you hear me you know
17:03
hear me today and you hear me you know
17:03
hear me today and you hear me you know in September I had a plan but those
17:05
in September I had a plan but those
17:05
in September I had a plan but those plans didn't work out none of them did
17:08
plans didn't work out none of them did
17:08
plans didn't work out none of them did to tell you the truth because like I
17:10
to tell you the truth because like I
17:10
to tell you the truth because like I wanted to be retired at 40 then I wanted
17:12
wanted to be retired at 40 then I wanted
17:12
wanted to be retired at 40 then I wanted to be retired at
17:14
to be retired at
17:14
to be retired at 50 and I'm still working right and uh so
17:19
50 and I'm still working right and uh so
17:19
50 and I'm still working right and uh so uh I don't even know when I'm going to
17:21
uh I don't even know when I'm going to
17:21
uh I don't even know when I'm going to be able to retire I kind of like like
17:23
be able to retire I kind of like like
17:23
be able to retire I kind of like like what you said you know I'm going to be
17:24
what you said you know I'm going to be
17:24
what you said you know I'm going to be working till I'm dead basically right Y
17:27
working till I'm dead basically right Y
17:27
working till I'm dead basically right Y and that's not the way to enjoy life to
17:29
and that's not the way to enjoy life to
17:29
and that's not the way to enjoy life to me at least and then the other side of
17:31
me at least and then the other side of
17:31
me at least and then the other side of it is like when you do get to retirement
17:34
it is like when you do get to retirement
17:34
it is like when you do get to retirement what is your uh I guess level of uh
17:38
what is your uh I guess level of uh
17:38
what is your uh I guess level of uh living that you're going to be at I mean
17:39
living that you're going to be at I mean
17:39
living that you're going to be at I mean I see people who they they have a pretty
17:42
I see people who they they have a pretty
17:42
I see people who they they have a pretty good lifestyle and then they get to
17:44
good lifestyle and then they get to
17:44
good lifestyle and then they get to retirement and then they move into a
17:46
retirement and then they move into a
17:46
retirement and then they move into a really tiny apartment and they don't
17:48
really tiny apartment and they don't
17:48
really tiny apartment and they don't have the funds or the budget to go do
17:50
have the funds or the budget to go do
17:50
have the funds or the budget to go do anything and they kind of spend the rest
17:52
anything and they kind of spend the rest
17:52
anything and they kind of spend the rest of their life just sitting in a tiny
17:53
of their life just sitting in a tiny
17:53
of their life just sitting in a tiny apartment that uh that isn't really the
17:57
apartment that uh that isn't really the
17:57
apartment that uh that isn't really the retirement life I would want I'd want
17:58
retirement life I would want I'd want
17:58
retirement life I would want I'd want almost rather be working than just doing
18:00
almost rather be working than just doing
18:00
almost rather be working than just doing that so well you know they they tell you
18:04
that so well you know they they tell you
18:04
that so well you know they they tell you that I'm experiencing this right now
18:07
that I'm experiencing this right now
18:07
that I'm experiencing this right now with my neighbors right because you know
18:10
with my neighbors right because you know
18:10
with my neighbors right because you know I live in a a very expensive area of San
18:13
I live in a a very expensive area of San
18:13
I live in a a very expensive area of San Diego and and I have a lot of older
18:16
Diego and and I have a lot of older
18:16
Diego and and I have a lot of older neighbors that I'm getting to know uh
18:18
neighbors that I'm getting to know uh
18:18
neighbors that I'm getting to know uh one I even walk her dog when she's
18:20
one I even walk her dog when she's
18:20
one I even walk her dog when she's golfing and um and I'm hearing this from
18:23
golfing and um and I'm hearing this from
18:23
golfing and um and I'm hearing this from them right they are on fixed incomes
18:25
them right they are on fixed incomes
18:25
them right they are on fixed incomes right and you know they don't have a lot
18:27
right and you know they don't have a lot
18:27
right and you know they don't have a lot of money they they don't go hardly
18:30
of money they they don't go hardly
18:30
of money they they don't go hardly anywhere and that's not what I Envision
18:33
anywhere and that's not what I Envision
18:33
anywhere and that's not what I Envision my retirement for right yep and and that
18:36
my retirement for right yep and and that
18:36
my retirement for right yep and and that term fixed income I mean that just
18:37
term fixed income I mean that just
18:38
term fixed income I mean that just terrifies me I mean I I I don't I mean I
18:41
terrifies me I mean I I I don't I mean I
18:41
terrifies me I mean I I I don't I mean I don't ever want to get to that point and
18:43
don't ever want to get to that point and
18:43
don't ever want to get to that point and I know you look at things you've done
18:46
I know you look at things you've done
18:46
I know you look at things you've done and I mean I'm at the point where I kind
18:47
and I mean I'm at the point where I kind
18:47
and I mean I'm at the point where I kind of look at well yeah I could retire if I
18:49
of look at well yeah I could retire if I
18:49
of look at well yeah I could retire if I sold everything and bought a little tiny
18:50
sold everything and bought a little tiny
18:50
sold everything and bought a little tiny house somewhere and right uh and didn't
18:53
house somewhere and right uh and didn't
18:53
house somewhere and right uh and didn't have the budget to go do stuff but I
18:55
have the budget to go do stuff but I
18:55
have the budget to go do stuff but I want to thrive I want to go and and do
18:56
want to thrive I want to go and and do
18:57
want to thrive I want to go and and do more and I think when I talk about some
18:59
more and I think when I talk about some
18:59
more and I think when I talk about some of the things here that that I'm trying
19:01
of the things here that that I'm trying
19:01
of the things here that that I'm trying to do or that I've done it's not it's
19:02
to do or that I've done it's not it's
19:02
to do or that I've done it's not it's not to boast it's more to sort of share
19:04
not to boast it's more to sort of share
19:04
not to boast it's more to sort of share so that people can learn and and improve
19:07
so that people can learn and and improve
19:07
so that people can learn and and improve along the way do it earlier than I did
19:09
along the way do it earlier than I did
19:09
along the way do it earlier than I did so yeah for for me I think probably
19:14
so yeah for for me I think probably
19:14
so yeah for for me I think probably around 2000 I guess after that uh dot or
19:19
around 2000 I guess after that uh dot or
19:19
around 2000 I guess after that uh dot or uh yeah the dot bubble burst I was
19:20
uh yeah the dot bubble burst I was
19:21
uh yeah the dot bubble burst I was working on Amazon and then I changed
19:22
working on Amazon and then I changed
19:22
working on Amazon and then I changed jobs after that uh I picked up this book
19:26
jobs after that uh I picked up this book
19:26
jobs after that uh I picked up this book uh from Robert kosaki on Rich Dad
19:29
uh from Robert kosaki on Rich Dad
19:29
uh from Robert kosaki on Rich Dad which talked about a lot of uh investing
19:31
which talked about a lot of uh investing
19:31
which talked about a lot of uh investing strategies and and is all about like
19:34
strategies and and is all about like
19:34
strategies and and is all about like recurring income and buy real estate and
19:36
recurring income and buy real estate and
19:36
recurring income and buy real estate and stuff like that so I thought oh I'm
19:37
stuff like that so I thought oh I'm
19:37
stuff like that so I thought oh I'm gonna go do this and then uh in the
19:40
gonna go do this and then uh in the
19:40
gonna go do this and then uh in the beginning buying real estate's a tough
19:41
beginning buying real estate's a tough
19:41
beginning buying real estate's a tough thing to do and I think it is it was
19:44
thing to do and I think it is it was
19:44
thing to do and I think it is it was gosh five years later that we bought our
19:46
gosh five years later that we bought our
19:46
gosh five years later that we bought our first rental property and then uh
19:49
first rental property and then uh
19:49
first rental property and then uh uh from there it's grown but even in
19:53
uh from there it's grown but even in
19:53
uh from there it's grown but even in doing that that's that's kind of a
19:54
doing that that's that's kind of a
19:54
doing that that's that's kind of a long-term investment when you're going
19:55
long-term investment when you're going
19:55
long-term investment when you're going to go buy rental properties because
19:57
to go buy rental properties because
19:57
to go buy rental properties because usually unless you've got a pile of
19:59
usually unless you've got a pile of
19:59
usually unless you've got a pile of money when you're getting started
20:01
money when you're getting started
20:01
money when you're getting started usually buying a rental property is
20:02
usually buying a rental property is
20:02
usually buying a rental property is going to put you in a position where you
20:04
going to put you in a position where you
20:04
going to put you in a position where you might be uh not not profitable for a
20:06
might be uh not not profitable for a
20:06
might be uh not not profitable for a couple of years and we ran into that and
20:09
couple of years and we ran into that and
20:09
couple of years and we ran into that and actually the first few rental properties
20:10
actually the first few rental properties
20:10
actually the first few rental properties I bought I was in a position where uh it
20:13
I bought I was in a position where uh it
20:13
I bought I was in a position where uh it was actually more difficult from a
20:14
was actually more difficult from a
20:14
was actually more difficult from a Cashflow perspective after buying them
20:17
Cashflow perspective after buying them
20:17
Cashflow perspective after buying them of course I didn't really listen to what
20:18
of course I didn't really listen to what
20:18
of course I didn't really listen to what Robert kosaki said in his books on that
20:20
Robert kosaki said in his books on that
20:20
Robert kosaki said in his books on that one but uh uh I tried and then uh but
20:24
one but uh uh I tried and then uh but
20:24
one but uh uh I tried and then uh but eventually things turned and I had the
20:25
eventually things turned and I had the
20:25
eventually things turned and I had the saying that like with real estate uh
20:27
saying that like with real estate uh
20:27
saying that like with real estate uh time heals all mistakes and uh as long
20:31
time heals all mistakes and uh as long
20:31
time heals all mistakes and uh as long as you can survive for that amount of
20:32
as you can survive for that amount of
20:32
as you can survive for that amount of time and I think today uh I I'm at the
20:37
time and I think today uh I I'm at the
20:37
time and I think today uh I I'm at the point where I've got a handful of rental
20:39
point where I've got a handful of rental
20:39
point where I've got a handful of rental properties and some of them are are
20:41
properties and some of them are are
20:41
properties and some of them are are doing better than others and but it's
20:43
doing better than others and but it's
20:43
doing better than others and but it's something that I look at that as my way
20:44
something that I look at that as my way
20:44
something that I look at that as my way to get to retirement one day is to buy
20:46
to get to retirement one day is to buy
20:46
to get to retirement one day is to buy more of those and I think that uh that's
20:49
more of those and I think that uh that's
20:49
more of those and I think that uh that's one of those things that I would really
20:52
one of those things that I would really
20:52
one of those things that I would really encourage people to do when they're
20:53
encourage people to do when they're
20:53
encourage people to do when they're younger is is get into a rental property
20:56
younger is is get into a rental property
20:56
younger is is get into a rental property if you can you know and I think that I
20:59
if you can you know and I think that I
20:59
if you can you know and I think that I mean my son's what 25 and 27 years old
21:02
mean my son's what 25 and 27 years old
21:02
mean my son's what 25 and 27 years old my two boys are now and uh they're at
21:05
my two boys are now and uh they're at
21:05
my two boys are now and uh they're at the point where you you talk with them
21:07
the point where you you talk with them
21:07
the point where you you talk with them and you do the math and figure out what
21:09
and you do the math and figure out what
21:09
and you do the math and figure out what it would take to get a house and they're
21:11
it would take to get a house and they're
21:11
it would take to get a house and they're they're making good money but it's tough
21:14
they're making good money but it's tough
21:14
they're making good money but it's tough to get started with that first house but
21:15
to get started with that first house but
21:15
to get started with that first house but once you get that first house down I
21:17
once you get that first house down I
21:17
once you get that first house down I mean then it's easier to go forward
21:20
mean then it's easier to go forward
21:20
mean then it's easier to go forward after that yes and I think yeah yeah in
21:24
after that yes and I think yeah yeah in
21:24
after that yes and I think yeah yeah in America even buying a house is getting
21:26
America even buying a house is getting
21:26
America even buying a house is getting harder and harder right and uh
21:29
harder and harder right and uh
21:29
harder and harder right and uh you know so many young people now don't
21:32
you know so many young people now don't
21:32
you know so many young people now don't have the means to buy a house you know I
21:35
have the means to buy a house you know I
21:36
have the means to buy a house you know I you know you know people that are the
21:39
you know you know people that are the
21:39
you know you know people that are the same age when I bought my first home
21:41
same age when I bought my first home
21:41
same age when I bought my first home they can't afford it you know they're
21:43
they can't afford it you know they're
21:43
they can't afford it you know they're moving in back in with their parents and
21:45
moving in back in with their parents and
21:45
moving in back in with their parents and stuff and it's tough and so we have to
21:49
stuff and it's tough and so we have to
21:49
stuff and it's tough and so we have to you have to plan for this right yep
21:52
you have to plan for this right yep
21:53
you have to plan for this right yep absolutely and then but the flip side of
21:54
absolutely and then but the flip side of
21:54
absolutely and then but the flip side of it is rents are getting so high now yes
21:57
it is rents are getting so high now yes
21:57
it is rents are getting so high now yes you could almost say people can't afford
21:59
you could almost say people can't afford
21:59
you could almost say people can't afford to not buy yeah because and and I guess
22:03
to not buy yeah because and and I guess
22:03
to not buy yeah because and and I guess that varies a lot too on the time and
22:04
that varies a lot too on the time and
22:05
that varies a lot too on the time and the interest rates and things like that
22:06
the interest rates and things like that
22:06
the interest rates and things like that I mean interest rates have been high the
22:07
I mean interest rates have been high the
22:07
I mean interest rates have been high the last couple years yes but if they turn
22:09
last couple years yes but if they turn
22:09
last couple years yes but if they turn around and come back down I mean that's
22:10
around and come back down I mean that's
22:10
around and come back down I mean that's the time to look at how do you get into
22:12
the time to look at how do you get into
22:12
the time to look at how do you get into that first house right and I think that
22:15
that first house right and I think that
22:15
that first house right and I think that uh for me that's that's been a good
22:17
uh for me that's that's been a good
22:17
uh for me that's that's been a good long-term investment uh and hopefully by
22:20
long-term investment uh and hopefully by
22:20
long-term investment uh and hopefully by the time I retire uh I'll be at the
22:23
the time I retire uh I'll be at the
22:23
the time I retire uh I'll be at the point that I don't have a fixed income
22:25
point that I don't have a fixed income
22:25
point that I don't have a fixed income that I have enough rental income for the
22:26
that I have enough rental income for the
22:26
that I have enough rental income for the long term that I can continue whatever
22:29
long term that I can continue whatever
22:29
long term that I can continue whatever lifestyle I have today if not better
22:31
lifestyle I have today if not better
22:31
lifestyle I have today if not better going forward rather than having to cut
22:32
going forward rather than having to cut
22:32
going forward rather than having to cut back yeah uh the other side of it is
22:35
back yeah uh the other side of it is
22:35
back yeah uh the other side of it is looking
22:37
looking
22:37
looking at planning and kind of planning for
22:41
at planning and kind of planning for
22:41
at planning and kind of planning for when things go wrong and you know we're
22:44
when things go wrong and you know we're
22:44
when things go wrong and you know we're all gonna going through our careers
22:46
all gonna going through our careers
22:46
all gonna going through our careers going through life we're all gonna make
22:47
going through life we're all gonna make
22:47
going through life we're all gonna make mistakes and there's going to be points
22:50
mistakes and there's going to be points
22:50
mistakes and there's going to be points in time where you get stuck with some
22:52
in time where you get stuck with some
22:52
in time where you get stuck with some Financial issue that you've got to come
22:55
Financial issue that you've got to come
22:55
Financial issue that you've got to come up with some cash right now and a lot of
22:56
up with some cash right now and a lot of
22:56
up with some cash right now and a lot of the times you end up putting that a
22:58
the times you end up putting that a
22:58
the times you end up putting that a credit card a lot of people do and a lot
23:01
credit card a lot of people do and a lot
23:01
credit card a lot of people do and a lot of the times that gets to the point that
23:04
of the times that gets to the point that
23:04
of the times that gets to the point that um couple of those happen and suddenly
23:06
um couple of those happen and suddenly
23:06
um couple of those happen and suddenly you've got4 or $50,000 on credit cards
23:09
you've got4 or $50,000 on credit cards
23:09
you've got4 or $50,000 on credit cards and you're you're you're in a world of
23:10
and you're you're you're in a world of
23:10
and you're you're you're in a world of hurt at that point I mean when I was
23:12
hurt at that point I mean when I was
23:12
hurt at that point I mean when I was about 30 I think I had 50 or $60,000 on
23:15
about 30 I think I had 50 or $60,000 on
23:15
about 30 I think I had 50 or $60,000 on credit cards for mistakes I'd made and I
23:18
credit cards for mistakes I'd made and I
23:18
credit cards for mistakes I'd made and I worked with that uh I became uh so
23:22
worked with that uh I became uh so
23:22
worked with that uh I became uh so averse to debt to credit card debt that
23:24
averse to debt to credit card debt that
23:24
averse to debt to credit card debt that today if I have a credit card charge
23:26
today if I have a credit card charge
23:26
today if I have a credit card charge that sits more than two or three days on
23:28
that sits more than two or three days on
23:28
that sits more than two or three days on my crit on my card before I pay it off
23:30
my crit on my card before I pay it off
23:30
my crit on my card before I pay it off I'm I go into panic mode almost yeah
23:32
I'm I go into panic mode almost yeah
23:32
I'm I go into panic mode almost yeah well you know I had the same issue that
23:36
well you know I had the same issue that
23:36
well you know I had the same issue that you went through and uh actually I I
23:39
you went through and uh actually I I
23:39
you went through and uh actually I I still think I owe some money if they
23:42
still think I owe some money if they
23:42
still think I owe some money if they ever catch up with me but you know
23:45
ever catch up with me but you know
23:45
ever catch up with me but you know um uh you know one thing that I because
23:48
um uh you know one thing that I because
23:48
um uh you know one thing that I because I tend to learn things the hard way you
23:51
I tend to learn things the hard way you
23:51
I tend to learn things the hard way you know I got into that and I haven't had
23:54
know I got into that and I haven't had
23:54
know I got into that and I haven't had credit card in I don't know 10 or 15
23:57
credit card in I don't know 10 or 15
23:57
credit card in I don't know 10 or 15 years I think I haven't had a credit
23:59
years I think I haven't had a credit
23:59
years I think I haven't had a credit card I I won't you learned yeah I
24:02
card I I won't you learned yeah I
24:02
card I I won't you learned yeah I learned I got rid of them you know
24:04
learned I got rid of them you know
24:04
learned I got rid of them you know they're they're way too easy to say oh
24:06
they're they're way too easy to say oh
24:06
they're they're way too easy to say oh yeah I'll pay that off next month or
24:07
yeah I'll pay that off next month or
24:07
yeah I'll pay that off next month or whatever and then like you said stuff
24:09
whatever and then like you said stuff
24:09
whatever and then like you said stuff happens right and so you know one of the
24:13
happens right and so you know one of the
24:13
happens right and so you know one of the things you know I didn't plan on talking
24:15
things you know I didn't plan on talking
24:15
things you know I didn't plan on talking about today but live within your means
24:18
about today but live within your means
24:18
about today but live within your means right you know y if you if you can't
24:20
right you know y if you if you can't
24:20
right you know y if you if you can't afford to pay cash to go see Taylor
24:22
afford to pay cash to go see Taylor
24:22
afford to pay cash to go see Taylor Swift maybe you shouldn't be going right
24:25
Swift maybe you shouldn't be going right
24:25
Swift maybe you shouldn't be going right right and you know stuff like that you
24:27
right and you know stuff like that you
24:27
right and you know stuff like that you know it's not that's not that important
24:30
know it's not that's not that important
24:30
know it's not that's not that important right but I think it's one of the things
24:32
right but I think it's one of the things
24:32
right but I think it's one of the things that uh Dave Dave Ramsey he's one of the
24:35
that uh Dave Dave Ramsey he's one of the
24:36
that uh Dave Dave Ramsey he's one of the uh uh investment or columnist or he has
24:39
uh uh investment or columnist or he has
24:39
uh uh investment or columnist or he has a radio show he he always talks about
24:40
a radio show he he always talks about
24:40
a radio show he he always talks about living within your means right so that
24:42
living within your means right so that
24:43
living within your means right so that you can live beyond your means down the
24:45
you can live beyond your means down the
24:45
you can live beyond your means down the road and I think I mean I made that
24:47
road and I think I mean I made that
24:47
road and I think I mean I made that mistake early on I mean I got my first
24:48
mistake early on I mean I got my first
24:48
mistake early on I mean I got my first tech job and I was making more money
24:51
tech job and I was making more money
24:51
tech job and I was making more money than I knew what to do with at the point
24:53
than I knew what to do with at the point
24:53
than I knew what to do with at the point in time yeah and then you go buy a new
24:56
in time yeah and then you go buy a new
24:56
in time yeah and then you go buy a new vehicle and finance it and then you go
24:59
vehicle and finance it and then you go
24:59
vehicle and finance it and then you go put charge too much on credit cards and
25:01
put charge too much on credit cards and
25:01
put charge too much on credit cards and suddenly you realize a really big
25:03
suddenly you realize a really big
25:03
suddenly you realize a really big percentage of your income is going to
25:06
percentage of your income is going to
25:06
percentage of your income is going to just pay off debt at that point yeah and
25:08
just pay off debt at that point yeah and
25:08
just pay off debt at that point yeah and that's where for me to get to the
25:10
that's where for me to get to the
25:10
that's where for me to get to the longterm to one day retire I have to
25:12
longterm to one day retire I have to
25:12
longterm to one day retire I have to categorize everything into two
25:14
categorize everything into two
25:14
categorize everything into two categories of what's good debt and
25:15
categories of what's good debt and
25:15
categories of what's good debt and what's bad debt and good debt in my
25:18
what's bad debt and good debt in my
25:18
what's bad debt and good debt in my opinion is debt that makes you money uh
25:21
opinion is debt that makes you money uh
25:21
opinion is debt that makes you money uh a mortgage on a rental property that you
25:23
a mortgage on a rental property that you
25:23
a mortgage on a rental property that you might be paying X but you're making X
25:25
might be paying X but you're making X
25:25
might be paying X but you're making X Plus 10% off of it right uh where bad
25:28
Plus 10% off of it right uh where bad
25:28
Plus 10% off of it right uh where bad debt is when you're buying toys boats uh
25:33
debt is when you're buying toys boats uh
25:33
debt is when you're buying toys boats uh skis uh yeah things toys like that you
25:36
skis uh yeah things toys like that you
25:36
skis uh yeah things toys like that you know stuff that uh doesn't make you
25:39
know stuff that uh doesn't make you
25:39
know stuff that uh doesn't make you money that now I'm not saying you
25:40
money that now I'm not saying you
25:40
money that now I'm not saying you shouldn't do those things sure but you
25:42
shouldn't do those things sure but you
25:42
shouldn't do those things sure but you should do those things
25:45
should do those things
25:45
should do those things within what uh what you can afford yes
25:48
within what uh what you can afford yes
25:48
within what uh what you can afford yes and and keep it to the point that uh
25:52
and and keep it to the point that uh
25:52
and and keep it to the point that uh yeah and my rule is if I'm going to buy
25:54
yeah and my rule is if I'm going to buy
25:54
yeah and my rule is if I'm going to buy a
25:54
a
25:55
a toy meaning anything that
25:58
toy meaning anything that
25:58
toy meaning anything that uh I I guess if I'm going to buy
26:01
uh I I guess if I'm going to buy
26:01
uh I I guess if I'm going to buy anything that is not an investment
26:03
anything that is not an investment
26:03
anything that is not an investment that's going to make me money I don't
26:05
that's going to make me money I don't
26:05
that's going to make me money I don't want to use debt at all right yeah and I
26:08
want to use debt at all right yeah and I
26:08
want to use debt at all right yeah and I mean I'm car loans I'm afraid I stay
26:11
mean I'm car loans I'm afraid I stay
26:11
mean I'm car loans I'm afraid I stay away from
26:12
away from
26:12
away from those and what what that meant was that
26:15
those and what what that meant was that
26:15
those and what what that meant was that I went from a lifestyle where I had a
26:16
I went from a lifestyle where I had a
26:16
I went from a lifestyle where I had a new vehicle every four or five years to
26:20
new vehicle every four or five years to
26:20
new vehicle every four or five years to now for a while I was driving a 15y old
26:24
now for a while I was driving a 15y old
26:24
now for a while I was driving a 15y old vehicle you know but it was paid for
26:27
vehicle you know but it was paid for
26:27
vehicle you know but it was paid for right and then
26:28
right and then
26:28
right and then uh I upgraded and next I'm driving a
26:30
uh I upgraded and next I'm driving a
26:30
uh I upgraded and next I'm driving a 10-year-old vehicle but it's paid for
26:33
10-year-old vehicle but it's paid for
26:33
10-year-old vehicle but it's paid for and uh you don't always have to have
26:35
and uh you don't always have to have
26:35
and uh you don't always have to have that that newest vehicle and I think
26:37
that that newest vehicle and I think
26:38
that that newest vehicle and I think that I mean one of the guys I work with
26:41
that I mean one of the guys I work with
26:41
that I mean one of the guys I work with almost lost almost went bankrupt because
26:43
almost lost almost went bankrupt because
26:43
almost lost almost went bankrupt because of too much spending like that yeah and
26:45
of too much spending like that yeah and
26:45
of too much spending like that yeah and we were able to work together and that's
26:46
we were able to work together and that's
26:46
we were able to work together and that's one of the things I really enjoy is
26:47
one of the things I really enjoy is
26:47
one of the things I really enjoy is working with people like team members in
26:51
working with people like team members in
26:51
working with people like team members in order to kind of help them understand
26:53
order to kind of help them understand
26:53
order to kind of help them understand these things earlier on in their career
26:55
these things earlier on in their career
26:55
these things earlier on in their career yeah I know I saw uh something about
26:58
yeah I know I saw uh something about
26:58
yeah I know I saw uh something about uh Henry Ford when he first started the
27:00
uh Henry Ford when he first started the
27:00
uh Henry Ford when he first started the Ford Company making cars what 100 years
27:03
Ford Company making cars what 100 years
27:03
Ford Company making cars what 100 years ago now roughly uh one of the things he
27:06
ago now roughly uh one of the things he
27:06
ago now roughly uh one of the things he did
27:08
did
27:08
did was he worked with his employees he
27:11
was he worked with his employees he
27:11
was he worked with his employees he worked with his team members to help
27:13
worked with his team members to help
27:13
worked with his team members to help educate them so that they would be
27:15
educate them so that they would be
27:15
educate them so that they would be stronger in their financial backgrounds
27:17
stronger in their financial backgrounds
27:17
stronger in their financial backgrounds not just to be good employees but to
27:19
not just to be good employees but to
27:19
not just to be good employees but to also be uh Stronger financially and
27:22
also be uh Stronger financially and
27:22
also be uh Stronger financially and that's one of the things I like to do
27:23
that's one of the things I like to do
27:23
that's one of the things I like to do and just being able to see how people
27:25
and just being able to see how people
27:25
and just being able to see how people can improve or change
27:28
can improve or change
27:28
can improve or change they're basically change their way of
27:31
they're basically change their way of
27:31
they're basically change their way of living to a point that they're not
27:33
living to a point that they're not
27:33
living to a point that they're not digging a hole of disparity every day
27:36
digging a hole of disparity every day
27:36
digging a hole of disparity every day yeah yeah and and you know um it and
27:40
yeah yeah and and you know um it and
27:40
yeah yeah and and you know um it and it's really hard because you know you
27:42
it's really hard because you know you
27:42
it's really hard because you know you know I can't speak for every country but
27:45
know I can't speak for every country but
27:45
know I can't speak for every country but you know in America we're bombarded
27:48
you know in America we're bombarded
27:48
you know in America we're bombarded constantly to to spend money we don't
27:50
constantly to to spend money we don't
27:50
constantly to to spend money we don't have right oh yeah 90 days same as cash
27:54
have right oh yeah 90 days same as cash
27:54
have right oh yeah 90 days same as cash right yeah or it's every commercial is
27:57
right yeah or it's every commercial is
27:57
right yeah or it's every commercial is is trying to sell you
27:58
is trying to sell you
27:58
is trying to sell you crap you don't need you know to me
28:01
crap you don't need you know to me
28:01
crap you don't need you know to me pretty much every single commercial on
28:03
pretty much every single commercial on
28:03
pretty much every single commercial on TV is stuff you don't need right and and
28:07
TV is stuff you don't need right and and
28:07
TV is stuff you don't need right and and and you know the reason you see those
28:09
and you know the reason you see those
28:09
and you know the reason you see those commercials at every commercial break is
28:11
commercials at every commercial break is
28:11
commercials at every commercial break is because you don't need it and they're
28:12
because you don't need it and they're
28:12
because you don't need it and they're trying to convince you to need it right
28:15
trying to convince you to need it right
28:15
trying to convince you to need it right and so um you know one thing that I've
28:18
and so um you know one thing that I've
28:18
and so um you know one thing that I've been doing for a long time and so to
28:21
been doing for a long time and so to
28:21
been doing for a long time and so to back up a little bit I've never been
28:23
back up a little bit I've never been
28:23
back up a little bit I've never been super materialistic I've never been big
28:25
super materialistic I've never been big
28:25
super materialistic I've never been big into toys I I've never had a boat you
28:28
into toys I I've never had a boat you
28:28
into toys I I've never had a boat you you know I've never none of that stuff
28:30
you know I've never none of that stuff
28:30
you know I've never none of that stuff right I always I never had a super fancy
28:33
right I always I never had a super fancy
28:33
right I always I never had a super fancy car I had one that's nice and gets me
28:36
car I had one that's nice and gets me
28:36
car I had one that's nice and gets me around right I don't need you know a
28:38
around right I don't need you know a
28:38
around right I don't need you know a $100,000 car or even a $40,000 car right
28:42
$100,000 car or even a $40,000 car right
28:42
$100,000 car or even a $40,000 car right yep and
28:43
yep and
28:43
yep and um and um so so one thing that I do and
28:48
um and um so so one thing that I do and
28:48
um and um so so one thing that I do and it doesn't matter you know if it's you
28:50
it doesn't matter you know if it's you
28:50
it doesn't matter you know if it's you know a new cam piece of camera gear
28:53
know a new cam piece of camera gear
28:53
know a new cam piece of camera gear because I'm a photographer or even a new
28:55
because I'm a photographer or even a new
28:55
because I'm a photographer or even a new guitar I you know yeah I want things but
28:58
guitar I you know yeah I want things but
28:58
guitar I you know yeah I want things but then I stop and say okay I need to
29:01
then I stop and say okay I need to
29:01
then I stop and say okay I need to justify this besides just wanting a cool
29:03
justify this besides just wanting a cool
29:03
justify this besides just wanting a cool guitar right you want am I going to use
29:06
guitar right you want am I going to use
29:06
guitar right you want am I going to use it for when am I going to use it and if
29:09
it for when am I going to use it and if
29:09
it for when am I going to use it and if it's just for me then maybe I should
29:11
it's just for me then maybe I should
29:11
it's just for me then maybe I should just hold off you know and and wait and
29:13
just hold off you know and and wait and
29:13
just hold off you know and and wait and get something that I really need if I'm
29:15
get something that I really need if I'm
29:15
get something that I really need if I'm going to be playing out with a band or
29:16
going to be playing out with a band or
29:16
going to be playing out with a band or something like that right so um and even
29:20
something like that right so um and even
29:20
something like that right so um and even computers I don't I'm down to three
29:22
computers I don't I'm down to three
29:22
computers I don't I'm down to three computers now which sounds like a lot to
29:25
computers now which sounds like a lot to
29:25
computers now which sounds like a lot to some people but you know I used to have
29:27
some people but you know I used to have
29:27
some people but you know I used to have like five or six Compu Compu in my house
29:29
like five or six Compu Compu in my house
29:29
like five or six Compu Compu in my house right and um and the question on that
29:32
right and um and the question on that
29:32
right and um and the question on that really comes down to are those things
29:34
really comes down to are those things
29:34
really comes down to are those things you you have to own because they're
29:36
you you have to own because they're
29:36
you you have to own because they're going to help you with your job or help
29:37
going to help you with your job or help
29:37
going to help you with your job or help you make money or something like that
29:39
you make money or something like that
29:39
you make money or something like that versus are they just a bunch of toys
29:41
versus are they just a bunch of toys
29:41
versus are they just a bunch of toys right and I think too often I've fallen
29:43
right and I think too often I've fallen
29:43
right and I think too often I've fallen into the too many toys category over the
29:45
into the too many toys category over the
29:45
into the too many toys category over the years as well and I think that um I
29:49
years as well and I think that um I
29:49
years as well and I think that um I guess one of the major turning points
29:51
guess one of the major turning points
29:51
guess one of the major turning points for me was
29:54
for me was
29:54
for me was uh nine years
29:56
uh nine years
29:56
uh nine years ago uh I was working as I guess my title
30:00
ago uh I was working as I guess my title
30:00
ago uh I was working as I guess my title changed about six times in six years
30:02
changed about six times in six years
30:02
changed about six times in six years when I worked for that company but I was
30:03
when I worked for that company but I was
30:03
when I worked for that company but I was working as the chief technology officer
30:05
working as the chief technology officer
30:05
working as the chief technology officer for a company and uh I got let go I it
30:11
for a company and uh I got let go I it
30:11
for a company and uh I got let go I it was a layoff of one they called it and
30:14
was a layoff of one they called it and
30:14
was a layoff of one they called it and lay off of one yeah never heard that
30:16
lay off of one yeah never heard that
30:16
lay off of one yeah never heard that before well they wanted to call the
30:19
before well they wanted to call the
30:19
before well they wanted to call the layoff because they didn't they couldn't
30:20
layoff because they didn't they couldn't
30:20
layoff because they didn't they couldn't admit that they wanted to fire me
30:21
admit that they wanted to fire me
30:21
admit that they wanted to fire me because I didn't really fit into their
30:22
because I didn't really fit into their
30:22
because I didn't really fit into their mold very well you know yeah uh and I I
30:25
mold very well you know yeah uh and I I
30:25
mold very well you know yeah uh and I I at that point I found out well you know
30:26
at that point I found out well you know
30:26
at that point I found out well you know I'm not a very good employee I'm really
30:28
I'm not a very good employee I'm really
30:28
I'm not a very good employee I'm really more of an entrepreneur or business
30:29
more of an entrepreneur or business
30:29
more of an entrepreneur or business person rather than uh so I went and
30:32
person rather than uh so I went and
30:32
person rather than uh so I went and started my own company and the thing I
30:34
started my own company and the thing I
30:34
started my own company and the thing I learned was never start your own
30:36
learned was never start your own
30:36
learned was never start your own business and announce it on April 1
30:39
business and announce it on April 1
30:39
business and announce it on April 1 because April Fool's Day everybody
30:40
because April Fool's Day everybody
30:40
because April Fool's Day everybody thinks it's a joke so even if you have
30:42
thinks it's a joke so even if you have
30:42
thinks it's a joke so even if you have to delay a day don't do it on April 1
30:44
to delay a day don't do it on April 1
30:44
to delay a day don't do it on April 1 but yeah uh I've been going for nine
30:46
but yeah uh I've been going for nine
30:46
but yeah uh I've been going for nine years and for me that was a GameChanger
30:49
years and for me that was a GameChanger
30:49
years and for me that was a GameChanger going into business for myself now it
30:51
going into business for myself now it
30:51
going into business for myself now it was my second time trying it because 10
30:53
was my second time trying it because 10
30:53
was my second time trying it because 10 years before I tried to do that and I
30:55
years before I tried to do that and I
30:55
years before I tried to do that and I failed horribly because I didn't know
30:56
failed horribly because I didn't know
30:56
failed horribly because I didn't know what I was doing but
30:58
what I was doing but
30:58
what I was doing but uh nine years later uh stemman Solutions
31:01
uh nine years later uh stemman Solutions
31:01
uh nine years later uh stemman Solutions now has 10
31:03
now has 10
31:03
now has 10 employees wow and we're doing a whole
31:06
employees wow and we're doing a whole
31:06
employees wow and we're doing a whole lot of work with SQL server and to the
31:08
lot of work with SQL server and to the
31:08
lot of work with SQL server and to the point that we're probably going to be
31:09
point that we're probably going to be
31:09
point that we're probably going to be looking at maybe adding a couple more in
31:11
looking at maybe adding a couple more in
31:11
looking at maybe adding a couple more in the next year so I that but what what
31:15
the next year so I that but what what
31:15
the next year so I that but what what was a changer on that was getting in the
31:17
was a changer on that was getting in the
31:17
was a changer on that was getting in the position where I could be the business
31:19
position where I could be the business
31:19
position where I could be the business owner rather than just the employee
31:22
owner rather than just the employee
31:22
owner rather than just the employee working for some big Corporation was
31:24
working for some big Corporation was
31:24
working for some big Corporation was that it put me in the driver seat I had
31:25
that it put me in the driver seat I had
31:25
that it put me in the driver seat I had a lot more control over my future I had
31:28
a lot more control over my future I had
31:28
a lot more control over my future I had a lot more control over what you could
31:29
a lot more control over what you could
31:29
a lot more control over what you could do with taxes over I mean even things
31:32
do with taxes over I mean even things
31:32
do with taxes over I mean even things like that lap that pile of computers you
31:34
like that lap that pile of computers you
31:34
like that lap that pile of computers you bought six computers whatever it may be
31:36
bought six computers whatever it may be
31:36
bought six computers whatever it may be well those are being used for business
31:38
well those are being used for business
31:39
well those are being used for business then they're a business expense rather
31:40
then they're a business expense rather
31:40
then they're a business expense rather than if you're buying them just to help
31:42
than if you're buying them just to help
31:42
than if you're buying them just to help your employer they're not necessarily a
31:44
your employer they're not necessarily a
31:44
your employer they're not necessarily a business expense at that point exactly
31:45
business expense at that point exactly
31:45
business expense at that point exactly yeah yeah but you know uh so you brought
31:49
yeah yeah but you know uh so you brought
31:49
yeah yeah but you know uh so you brought up something that I wanted to to talk a
31:51
up something that I wanted to to talk a
31:51
up something that I wanted to to talk a little bit about today because um I
31:54
little bit about today because um I
31:54
little bit about today because um I don't think I'm going to have the chance
31:55
don't think I'm going to have the chance
31:55
don't think I'm going to have the chance in September and that is so a long time
31:58
in September and that is so a long time
31:58
in September and that is so a long time ago when I was uh interested in going
32:01
ago when I was uh interested in going
32:01
ago when I was uh interested in going Consulting you know one of my Consulting
32:03
Consulting you know one of my Consulting
32:03
Consulting you know one of my Consulting friends um said to me well if you're
32:05
friends um said to me well if you're
32:05
friends um said to me well if you're going to do Consulting then you have to
32:07
going to do Consulting then you have to
32:07
going to do Consulting then you have to have at least three months of cash in
32:10
have at least three months of cash in
32:10
have at least three months of cash in the bank to to live right and um and uh
32:15
the bank to to live right and um and uh
32:15
the bank to to live right and um and uh so I've been through this unfortunately
32:19
so I've been through this unfortunately
32:19
so I've been through this unfortunately you know a bunch of times now since I've
32:20
you know a bunch of times now since I've
32:21
you know a bunch of times now since I've been mostly Consulting since 2012 and uh
32:25
been mostly Consulting since 2012 and uh
32:25
been mostly Consulting since 2012 and uh I I could tell you that should be at
32:26
I I could tell you that should be at
32:26
I I could tell you that should be at least six months you know and it doesn't
32:28
least six months you know and it doesn't
32:28
least six months you know and it doesn't matter if you're insulting or not to me
32:30
matter if you're insulting or not to me
32:30
matter if you're insulting or not to me because you know I I've seen ups and
32:33
because you know I I've seen ups and
32:33
because you know I I've seen ups and downs in this care in this industry you
32:36
downs in this care in this industry you
32:36
downs in this care in this industry you know and and you never know when you're
32:39
know and and you never know when you're
32:39
know and and you never know when you're going to walk in one day and your job is
32:42
going to walk in one day and your job is
32:42
going to walk in one day and your job is gone right yep and and if you don't have
32:45
gone right yep and and if you don't have
32:45
gone right yep and and if you don't have any if you're living pay to paycheck to
32:47
any if you're living pay to paycheck to
32:47
any if you're living pay to paycheck to paycheck you're screwed basically right
32:51
paycheck you're screwed basically right
32:51
paycheck you're screwed basically right and if you haven't kept up your
32:53
and if you haven't kept up your
32:53
and if you haven't kept up your connections you know like with
32:55
connections you know like with
32:55
connections you know like with recruiters and things like that it's
32:56
recruiters and things like that it's
32:56
recruiters and things like that it's going to take a long time time for you
32:58
going to take a long time time for you
32:58
going to take a long time time for you to find a new job and uh so I I would
33:02
to find a new job and uh so I I would
33:02
to find a new job and uh so I I would say I don't know if you agree but I
33:03
say I don't know if you agree but I
33:03
say I don't know if you agree but I would say you have to have at least six
33:05
would say you have to have at least six
33:05
would say you have to have at least six months of operating capital in your bank
33:07
months of operating capital in your bank
33:07
months of operating capital in your bank at all times right for call it the rainy
33:10
at all times right for call it the rainy
33:10
at all times right for call it the rainy day fund right because you it's almost
33:14
day fund right because you it's almost
33:14
day fund right because you it's almost inevitable you're going to be laid off
33:16
inevitable you're going to be laid off
33:16
inevitable you're going to be laid off yeah I I'm I should do a poll if youve
33:18
yeah I I'm I should do a poll if youve
33:18
yeah I I'm I should do a poll if youve ever been laid off and I I bet you the
33:20
ever been laid off and I I bet you the
33:20
ever been laid off and I I bet you the majority of the people have been right
33:23
majority of the people have been right
33:23
majority of the people have been right and that's a good point yeah and the
33:25
and that's a good point yeah and the
33:25
and that's a good point yeah and the other thing that I've found out the hard
33:27
other thing that I've found out the hard
33:27
other thing that I've found out the hard way is unemployment runs out so so what
33:31
way is unemployment runs out so so what
33:31
way is unemployment runs out so so what are you going to do when unemployment
33:32
are you going to do when unemployment
33:32
are you going to do when unemployment runs out yeah right and also I mean
33:35
runs out yeah right and also I mean
33:35
runs out yeah right and also I mean unemployment isn't even that great oh
33:38
unemployment isn't even that great oh
33:38
unemployment isn't even that great oh it's not it doesn't even pay my mortgage
33:40
it's not it doesn't even pay my mortgage
33:40
it's not it doesn't even pay my mortgage right but it helps but it it but it runs
33:43
right but it helps but it it but it runs
33:43
right but it helps but it it but it runs out it dries up you know because I
33:46
out it dries up you know because I
33:46
out it dries up you know because I didn't never realize until now that we
33:48
didn't never realize until now that we
33:48
didn't never realize until now that we pay into it and when we use it it's gone
33:52
pay into it and when we use it it's gone
33:52
pay into it and when we use it it's gone right yep so with that I I completely
33:55
right yep so with that I I completely
33:55
right yep so with that I I completely agree with your six months number six
33:56
agree with your six months number six
33:56
agree with your six months number six months of expenses now that doesn't have
33:58
months of expenses now that doesn't have
33:58
months of expenses now that doesn't have to be six months of what you would need
34:00
to be six months of what you would need
34:00
to be six months of what you would need to be going on vacation and stuff like
34:02
to be going on vacation and stuff like
34:02
to be going on vacation and stuff like that six months of survival money and
34:05
that six months of survival money and
34:05
that six months of survival money and what it would take to get by if you lost
34:07
what it would take to get by if you lost
34:07
what it would take to get by if you lost all of your income and I think that uh
34:10
all of your income and I think that uh
34:10
all of your income and I think that uh yeah as a consultant I yeah absolutely
34:13
yeah as a consultant I yeah absolutely
34:13
yeah as a consultant I yeah absolutely agree with that but you know honestly as
34:15
agree with that but you know honestly as
34:15
agree with that but you know honestly as an employee I think it makes just as
34:18
an employee I think it makes just as
34:18
an employee I think it makes just as much sense too yeah does uh and it's
34:21
much sense too yeah does uh and it's
34:21
much sense too yeah does uh and it's almost like the bigger the company the
34:22
almost like the bigger the company the
34:22
almost like the bigger the company the more risk risk you have of maybe a whole
34:25
more risk risk you have of maybe a whole
34:25
more risk risk you have of maybe a whole division being laid off or something
34:26
division being laid off or something
34:26
division being laid off or something like that I mean it happens constantly
34:28
like that I mean it happens constantly
34:28
like that I mean it happens constantly at Microsoft and other companies right
34:29
at Microsoft and other companies right
34:29
at Microsoft and other companies right it always happens I work for a company
34:32
it always happens I work for a company
34:32
it always happens I work for a company gosh years ago they had I think about
34:34
gosh years ago they had I think about
34:34
gosh years ago they had I think about 900 employees and they laid off about
34:37
900 employees and they laid off about
34:37
900 employees and they laid off about 700 750 of them in one day when they
34:41
700 750 of them in one day when they
34:41
700 750 of them in one day when they when the company sold and they didn't
34:42
when the company sold and they didn't
34:42
when the company sold and they didn't want all these employees and it was one
34:44
want all these employees and it was one
34:45
want all these employees and it was one of those where everybody thought
34:45
of those where everybody thought
34:46
of those where everybody thought everything was great and then suddenly
34:47
everything was great and then suddenly
34:47
everything was great and then suddenly about 750 out of 900 were unemployed
34:51
about 750 out of 900 were unemployed
34:51
about 750 out of 900 were unemployed yeah and I think that it was fear and
34:54
yeah and I think that it was fear and
34:54
yeah and I think that it was fear and panic at that point with the team
34:56
panic at that point with the team
34:56
panic at that point with the team members and people I knew that's where
34:58
members and people I knew that's where
34:58
members and people I knew that's where if you could have that buffer and that
35:00
if you could have that buffer and that
35:00
if you could have that buffer and that six months doesn't all have to be cash
35:01
six months doesn't all have to be cash
35:01
six months doesn't all have to be cash in a savings account I mean it can be in
35:03
in a savings account I mean it can be in
35:03
in a savings account I mean it can be in CDs or it can be in other things that
35:05
CDs or it can be in other things that
35:05
CDs or it can be in other things that right you can get to within that six
35:07
right you can get to within that six
35:07
right you can get to within that six months if you need it right but um yeah
35:10
months if you need it right but um yeah
35:10
months if you need it right but um yeah having that really changes a perspective
35:12
having that really changes a perspective
35:12
having that really changes a perspective on on life meaning that if that did
35:16
on on life meaning that if that did
35:16
on on life meaning that if that did happen it's not the end of the world
35:17
happen it's not the end of the world
35:17
happen it's not the end of the world tomorrow right so right the the other
35:20
tomorrow right so right the the other
35:20
tomorrow right so right the the other thing that I learned in doing that and
35:22
thing that I learned in doing that and
35:22
thing that I learned in doing that and running my business was uh the first
35:24
running my business was uh the first
35:24
running my business was uh the first time that I went into
35:26
time that I went into
35:26
time that I went into Consulting uh when I failed I basically
35:29
Consulting uh when I failed I basically
35:29
Consulting uh when I failed I basically got one client that became big and
35:31
got one client that became big and
35:31
got one client that became big and squashed all my other clients on my time
35:35
squashed all my other clients on my time
35:35
squashed all my other clients on my time and then that one client came to an end
35:37
and then that one client came to an end
35:37
and then that one client came to an end and you're no different than having a
35:38
and you're no different than having a
35:38
and you're no different than having a having a full-time job at that point
35:40
having a full-time job at that point
35:40
having a full-time job at that point when you lose your job so I I made the
35:42
when you lose your job so I I made the
35:42
when you lose your job so I I made the rule in my Consulting practice that I
35:44
rule in my Consulting practice that I
35:44
rule in my Consulting practice that I would never have uh more than 25% of my
35:48
would never have uh more than 25% of my
35:48
would never have uh more than 25% of my income coming from any one client yeah
35:51
income coming from any one client yeah
35:51
income coming from any one client yeah and yeah I've violated it a couple times
35:53
and yeah I've violated it a couple times
35:53
and yeah I've violated it a couple times with a little bit here and there on like
35:55
with a little bit here and there on like
35:55
with a little bit here and there on like for short term but generally I try and
35:57
for short term but generally I try and
35:57
for short term but generally I try and spread it out so that if something does
35:59
spread it out so that if something does
35:59
spread it out so that if something does go bad hopefully it doesn't go bad with
36:01
go bad hopefully it doesn't go bad with
36:01
go bad hopefully it doesn't go bad with all the clients it just maybe goes bad
36:02
all the clients it just maybe goes bad
36:02
all the clients it just maybe goes bad with one and that helps reduce the risk
36:06
with one and that helps reduce the risk
36:06
with one and that helps reduce the risk there a little bit as well I've worked
36:08
there a little bit as well I've worked
36:08
there a little bit as well I've worked for uh Consulting companies that did
36:10
for uh Consulting companies that did
36:10
for uh Consulting companies that did exactly what you did the first time
36:12
exactly what you did the first time
36:12
exactly what you did the first time right and I even I even warned them
36:15
right and I even I even warned them
36:15
right and I even I even warned them going look we we can't have everything
36:18
going look we we can't have everything
36:19
going look we we can't have everything we can't have all of the income coming
36:20
we can't have all of the income coming
36:20
we can't have all of the income coming from Microsoft because I know what
36:22
from Microsoft because I know what
36:22
from Microsoft because I know what happens every five years of Microsoft
36:24
happens every five years of Microsoft
36:24
happens every five years of Microsoft they do a reorg and everything goes to
36:27
they do a reorg and everything goes to
36:27
they do a reorg and everything goes to right o sorry Simon and uh and and
36:31
right o sorry Simon and uh and and
36:31
right o sorry Simon and uh and and you're left and that's exactly what
36:32
you're left and that's exactly what
36:32
you're left and that's exactly what happened to the company right what I
36:35
happened to the company right what I
36:35
happened to the company right what I told them was going to happen happened
36:37
told them was going to happen happened
36:37
told them was going to happen happened right because I've seen this over and
36:38
right because I've seen this over and
36:38
right because I've seen this over and over again and and yeah you're
36:41
over again and and yeah you're
36:41
over again and and yeah you're completely right you have to have more
36:43
completely right you have to have more
36:43
completely right you have to have more eggs in the basket right yep so I think
36:47
eggs in the basket right yep so I think
36:47
eggs in the basket right yep so I think one of the keys in getting to retirement
36:49
one of the keys in getting to retirement
36:49
one of the keys in getting to retirement one day is being able
36:52
one day is being able
36:52
one day is being able to understand where you're at I mean a
36:56
to understand where you're at I mean a
36:56
to understand where you're at I mean a lot of people don't even know where
36:57
lot of people don't even know where
36:57
lot of people don't even know where they're at far away they are or if they
36:59
they're at far away they are or if they
36:59
they're at far away they are or if they if if they could or couldn't retire and
37:02
if if they could or couldn't retire and
37:02
if if they could or couldn't retire and uh so one of the things I started doing
37:04
uh so one of the things I started doing
37:04
uh so one of the things I started doing in 2012 was I put together a
37:06
in 2012 was I put together a
37:06
in 2012 was I put together a spreadsheet and in there I tracked a
37:09
spreadsheet and in there I tracked a
37:09
spreadsheet and in there I tracked a number of of uh data points basically
37:13
number of of uh data points basically
37:13
number of of uh data points basically and maybe I'm too much of a database guy
37:14
and maybe I'm too much of a database guy
37:14
and maybe I'm too much of a database guy is why I put it together this way but uh
37:17
is why I put it together this way but uh
37:17
is why I put it together this way but uh basically tracking overall net worth
37:19
basically tracking overall net worth
37:19
basically tracking overall net worth basically what are all your assets minus
37:21
basically what are all your assets minus
37:21
basically what are all your assets minus what are all your
37:22
what are all your
37:22
what are all your liabilities and being able to see that
37:25
liabilities and being able to see that
37:25
liabilities and being able to see that number grow and if you on a
37:27
number grow and if you on a
37:27
number grow and if you on a month-to-month basis just record that
37:30
month-to-month basis just record that
37:30
month-to-month basis just record that and if you see it go negative then you
37:31
and if you see it go negative then you
37:31
and if you see it go negative then you got to look at well what did I do this
37:33
got to look at well what did I do this
37:33
got to look at well what did I do this month was this a one-off event that I'm
37:34
month was this a one-off event that I'm
37:34
month was this a one-off event that I'm going to fix next month or are we
37:36
going to fix next month or are we
37:36
going to fix next month or are we trending in the negative right and if
37:38
trending in the negative right and if
37:38
trending in the negative right and if that's happening then that's putting you
37:39
that's happening then that's putting you
37:39
that's happening then that's putting you further away from retirement at that
37:41
further away from retirement at that
37:41
further away from retirement at that point yeah if it's growing it's putting
37:43
point yeah if it's growing it's putting
37:43
point yeah if it's growing it's putting you closer to retirement every day and
37:45
you closer to retirement every day and
37:45
you closer to retirement every day and then what is the overall monthly cash
37:49
then what is the overall monthly cash
37:49
then what is the overall monthly cash flow and how much of that comes from
37:51
flow and how much of that comes from
37:51
flow and how much of that comes from regular income versus how much of it
37:54
regular income versus how much of it
37:54
regular income versus how much of it comes from passive income where regular
37:56
comes from passive income where regular
37:56
comes from passive income where regular income is what you're going to lose when
37:58
income is what you're going to lose when
37:58
income is what you're going to lose when you lose your job one day uh or retire
38:00
you lose your job one day uh or retire
38:00
you lose your job one day uh or retire from that job one day and then passive
38:02
from that job one day and then passive
38:02
from that job one day and then passive income is what you've got coming from
38:05
income is what you've got coming from
38:05
income is what you've got coming from investments from Real Estate from uh
38:08
investments from Real Estate from uh
38:08
investments from Real Estate from uh intellectual property from uh whatever
38:12
intellectual property from uh whatever
38:12
intellectual property from uh whatever uh book revenues things like that so how
38:15
uh book revenues things like that so how
38:15
uh book revenues things like that so how how much can you grow that passive
38:16
how much can you grow that passive
38:16
how much can you grow that passive income to get it to the point that you
38:18
income to get it to the point that you
38:18
income to get it to the point that you don't have to rely on the regular income
38:20
don't have to rely on the regular income
38:20
don't have to rely on the regular income and when that and then what overall is
38:22
and when that and then what overall is
38:23
and when that and then what overall is your monthly expenses and your debt to
38:25
your monthly expenses and your debt to
38:25
your monthly expenses and your debt to income ratio and I try and track those
38:27
income ratio and I try and track those
38:27
income ratio and I try and track those and then when that passive income
38:31
and then when that passive income
38:31
and then when that passive income exceeds what your monthly burn rate is
38:34
exceeds what your monthly burn rate is
38:34
exceeds what your monthly burn rate is then you're at a point where you don't
38:35
then you're at a point where you don't
38:35
then you're at a point where you don't need that day job anymore yeah and you
38:37
need that day job anymore yeah and you
38:37
need that day job anymore yeah and you could retire yeah yeah retire early
38:40
could retire yeah yeah retire early
38:40
could retire yeah yeah retire early which is you know was was my goal yep
38:44
which is you know was was my goal yep
38:44
which is you know was was my goal yep which didn't happen yep and I've seen
38:46
which didn't happen yep and I've seen
38:46
which didn't happen yep and I've seen too many people work into their 70s or
38:49
too many people work into their 70s or
38:49
too many people work into their 70s or or later or they retire and then find
38:52
or later or they retire and then find
38:52
or later or they retire and then find out that they've got to go uh take on a
38:55
out that they've got to go uh take on a
38:55
out that they've got to go uh take on a job because the retirement didn't didn't
38:57
job because the retirement didn't didn't
38:57
job because the retirement didn't didn't do it I mean I know a guy or something
39:00
do it I mean I know a guy or something
39:00
do it I mean I know a guy or something yeah yeah a guy in his 80s retired that
39:02
yeah yeah a guy in his 80s retired that
39:02
yeah yeah a guy in his 80s retired that that we know locally here and now he's
39:04
that we know locally here and now he's
39:04
that we know locally here and now he's working uh delivering Auto Parts the
39:06
working uh delivering Auto Parts the
39:06
working uh delivering Auto Parts the local auto part story runs them out to
39:08
local auto part story runs them out to
39:08
local auto part story runs them out to all the shops and uh that's not how I
39:11
all the shops and uh that's not how I
39:11
all the shops and uh that's not how I want to do retirement I really keep do
39:13
want to do retirement I really keep do
39:13
want to do retirement I really keep do what I doing today rather than than
39:14
what I doing today rather than than
39:14
what I doing today rather than than going to that type of retirement uh so
39:17
going to that type of retirement uh so
39:17
going to that type of retirement uh so really understanding those numbers and
39:19
really understanding those numbers and
39:19
really understanding those numbers and being able to analyze it and track it on
39:21
being able to analyze it and track it on
39:21
being able to analyze it and track it on a monthly basis and then kind of
39:22
a monthly basis and then kind of
39:22
a monthly basis and then kind of year-over-year look at it and set your
39:25
year-over-year look at it and set your
39:25
year-over-year look at it and set your goals of how do you get to where you
39:27
goals of how do you get to where you
39:27
goals of how do you get to where you need to be and when you look at it that
39:31
need to be and when you look at it that
39:31
need to be and when you look at it that way you need to look at well what are
39:33
way you need to look at well what are
39:33
way you need to look at well what are the things
39:35
the things
39:35
the things that uh if you end if you do end up on a
39:37
that uh if you end if you do end up on a
39:37
that uh if you end if you do end up on a fixed income what are the things that
39:39
fixed income what are the things that
39:39
fixed income what are the things that aren't going to be fixed with that and
39:41
aren't going to be fixed with that and
39:41
aren't going to be fixed with that and like part of that comes into defining
39:42
like part of that comes into defining
39:42
like part of that comes into defining your goals and what's your lifestyle
39:46
your goals and what's your lifestyle
39:46
your goals and what's your lifestyle aspirations
39:48
aspirations
39:48
aspirations and how much do you really need to
39:50
and how much do you really need to
39:50
and how much do you really need to achieve that and then what are the
39:52
achieve that and then what are the
39:52
achieve that and then what are the things that are going to continue
39:54
things that are going to continue
39:54
things that are going to continue continue to be more expensive in
39:56
continue to be more expensive in
39:56
continue to be more expensive in retirement and I mean you think about
39:58
retirement and I mean you think about
39:58
retirement and I mean you think about things like well Food Insurance
40:01
things like well Food Insurance
40:01
things like well Food Insurance healthare housing
40:04
healthare housing
40:04
healthare housing and if you get to that point where you
40:07
and if you get to that point where you
40:07
and if you get to that point where you think you could retire today and you do
40:10
think you could retire today and you do
40:10
think you could retire today and you do your math but it doesn't account for
40:13
your math but it doesn't account for
40:13
your math but it doesn't account for those things increasing in five years
40:15
those things increasing in five years
40:15
those things increasing in five years right then it might be that yeah or or
40:18
right then it might be that yeah or or
40:18
right then it might be that yeah or or 10 it might be at that point that's
40:19
10 it might be at that point that's
40:19
10 it might be at that point that's where you have to go back to work yeah
40:21
where you have to go back to work yeah
40:21
where you have to go back to work yeah and hopefully I mean retirement I would
40:23
and hopefully I mean retirement I would
40:23
and hopefully I mean retirement I would hope is a is a one-way transition for
40:26
hope is a is a one-way transition for
40:26
hope is a is a one-way transition for people not not a yeah all and I think
40:29
people not not a yeah all and I think
40:29
people not not a yeah all and I think the key there oh go ahead yeah the key
40:32
the key there oh go ahead yeah the key
40:32
the key there oh go ahead yeah the key there is really to figure out well where
40:33
there is really to figure out well where
40:33
there is really to figure out well where are you at and where do you want to be
40:36
are you at and where do you want to be
40:36
are you at and where do you want to be and creating a road map to get there
40:38
and creating a road map to get there
40:38
and creating a road map to get there yeah yeah and and that that brings up
40:42
yeah yeah and and that that brings up
40:42
yeah yeah and and that that brings up you know what I was just thinking and
40:43
you know what I was just thinking and
40:43
you know what I was just thinking and that is you know something else that you
40:46
that is you know something else that you
40:46
that is you know something else that you know I'll share a brief story of this is
40:49
know I'll share a brief story of this is
40:49
know I'll share a brief story of this is you know so I've lived in San Diego most
40:51
you know so I've lived in San Diego most
40:51
you know so I've lived in San Diego most of my life ever since I've joined the
40:53
of my life ever since I've joined the
40:53
of my life ever since I've joined the Navy you know and anybody watches this
40:56
Navy you know and anybody watches this
40:56
Navy you know and anybody watches this show you know I love San Diego I love
40:59
show you know I love San Diego I love
40:59
show you know I love San Diego I love the weather you know to me San Diego is
41:02
the weather you know to me San Diego is
41:02
the weather you know to me San Diego is the best city to live in you know at
41:04
the best city to live in you know at
41:04
the best city to live in you know at least far as weather goes in in the
41:06
least far as weather goes in in the
41:06
least far as weather goes in in the entire country and and and quite frankly
41:10
entire country and and and quite frankly
41:10
entire country and and and quite frankly I never want to leave San Diego right
41:12
I never want to leave San Diego right
41:12
I never want to leave San Diego right because I love the city so much but you
41:15
because I love the city so much but you
41:15
because I love the city so much but you know back in in 2006 because I remember
41:19
know back in in 2006 because I remember
41:19
know back in in 2006 because I remember this vividly I started realizing I'm not
41:22
this vividly I started realizing I'm not
41:22
this vividly I started realizing I'm not going to be able to retire here you know
41:25
going to be able to retire here you know
41:25
going to be able to retire here you know it San Diego is so so freaking expensive
41:28
it San Diego is so so freaking expensive
41:28
it San Diego is so so freaking expensive and California as a whole right where do
41:30
and California as a whole right where do
41:31
and California as a whole right where do he live I forgot oh uh Northwest
41:33
he live I forgot oh uh Northwest
41:33
he live I forgot oh uh Northwest Washington if if if you're in San Diego
41:36
Washington if if if you're in San Diego
41:36
Washington if if if you're in San Diego and you jump on I5 and Drive North until
41:38
and you jump on I5 and Drive North until
41:39
and you jump on I5 and Drive North until you hit Canada I'm at the other end yeah
41:41
you hit Canada I'm at the other end yeah
41:41
you hit Canada I'm at the other end yeah yeah just just south of the Canadian
41:42
yeah just just south of the Canadian
41:42
yeah just just south of the Canadian border so in so when I realized this in
41:47
border so in so when I realized this in
41:47
border so in so when I realized this in 2006
41:48
2006
41:48
2006 um in in that summer uh Microsoft flew
41:52
um in in that summer uh Microsoft flew
41:52
um in in that summer uh Microsoft flew me up to Portland to not only speak that
41:55
me up to Portland to not only speak that
41:55
me up to Portland to not only speak that but to play in this band with a couple
41:56
but to play in this band with a couple
41:56
but to play in this band with a couple other with another Microsoft person and
41:59
other with another Microsoft person and
41:59
other with another Microsoft person and and and I really like the area and so I
42:02
and and I really like the area and so I
42:02
and and I really like the area and so I came back later in October to start
42:04
came back later in October to start
42:04
came back later in October to start looking a property I spent two days with
42:06
looking a property I spent two days with
42:06
looking a property I spent two days with the real estate agent to look at
42:08
the real estate agent to look at
42:08
the real estate agent to look at property so you know the reason I'm
42:10
property so you know the reason I'm
42:10
property so you know the reason I'm bringing this up is you know you might
42:13
bringing this up is you know you might
42:13
bringing this up is you know you might really love where you live now and you
42:15
really love where you live now and you
42:15
really love where you live now and you live where you do because of either you
42:17
live where you do because of either you
42:17
live where you do because of either you love the area or that's where all the
42:19
love the area or that's where all the
42:19
love the area or that's where all the work is or whatever but one thing you
42:22
work is or whatever but one thing you
42:22
work is or whatever but one thing you should think of is where do you want to
42:24
should think of is where do you want to
42:24
should think of is where do you want to live in your retirement that you can
42:26
live in your retirement that you can
42:26
live in your retirement that you can afford
42:28
afford
42:28
afford right right because I can't afford this
42:30
right right because I can't afford this
42:30
right right because I can't afford this I I don't know how most people can to
42:32
I I don't know how most people can to
42:32
I I don't know how most people can to tell you the truth and uh and so where
42:35
tell you the truth and uh and so where
42:35
tell you the truth and uh and so where can I go to get the most value out of
42:38
can I go to get the most value out of
42:38
can I go to get the most value out of what money I've saved or I have in you
42:41
what money I've saved or I have in you
42:41
what money I've saved or I have in you know real estate and things like that uh
42:44
know real estate and things like that uh
42:44
know real estate and things like that uh to to last the next 20 or 30 years or
42:47
to to last the next 20 or 30 years or
42:47
to to last the next 20 or 30 years or whatever I have left right and and so
42:51
whatever I have left right and and so
42:51
whatever I have left right and and so that's something else you need to think
42:52
that's something else you need to think
42:52
that's something else you need to think about is yeah you might like where you
42:54
about is yeah you might like where you
42:54
about is yeah you might like where you are now but where do you want to live
42:56
are now but where do you want to live
42:56
are now but where do you want to live when you retire that's affordable that
42:58
when you retire that's affordable that
42:58
when you retire that's affordable that you can afford right and and that might
43:01
you can afford right and and that might
43:01
you can afford right and and that might be a really tough decision it is uh
43:03
be a really tough decision it is uh
43:03
be a really tough decision it is uh Fourth of July just a couple days ago uh
43:05
Fourth of July just a couple days ago uh
43:05
Fourth of July just a couple days ago uh we were barbecuing and a buddy of mine
43:07
we were barbecuing and a buddy of mine
43:07
we were barbecuing and a buddy of mine dropped by and he's mid-60s and he's at
43:11
dropped by and he's mid-60s and he's at
43:11
dropped by and he's mid-60s and he's at the point where he's getting really
43:12
the point where he's getting really
43:12
the point where he's getting really close to retiring and the only place
43:15
close to retiring and the only place
43:15
close to retiring and the only place he's figured out that he can afford to
43:17
he's figured out that he can afford to
43:17
he's figured out that he can afford to live is to go and buy a place in Panama
43:21
live is to go and buy a place in Panama
43:21
live is to go and buy a place in Panama yeah yeah and there's Costa Rica other
43:24
yeah yeah and there's Costa Rica other
43:24
yeah yeah and there's Costa Rica other places you can do similar things like
43:26
places you can do similar things like
43:26
places you can do similar things like that but it's a very different uh
43:28
that but it's a very different uh
43:28
that but it's a very different uh lifestyle than what you might have
43:30
lifestyle than what you might have
43:30
lifestyle than what you might have living in your hometown today living in
43:32
living in your hometown today living in
43:32
living in your hometown today living in San Diego yeah yeah and I know a lot of
43:34
San Diego yeah yeah and I know a lot of
43:34
San Diego yeah yeah and I know a lot of people you know uh move to other
43:37
people you know uh move to other
43:37
people you know uh move to other countries Mexico other places like that
43:39
countries Mexico other places like that
43:39
countries Mexico other places like that you know even um I spoke and I know most
43:43
you know even um I spoke and I know most
43:43
you know even um I spoke and I know most of you probably haven't heard of this
43:44
of you probably haven't heard of this
43:44
of you probably haven't heard of this country Marius but I spoke there twice
43:47
country Marius but I spoke there twice
43:47
country Marius but I spoke there twice and uh you know it's it's an island
43:50
and uh you know it's it's an island
43:50
and uh you know it's it's an island country it's kind of like Hawaii but you
43:52
country it's kind of like Hawaii but you
43:52
country it's kind of like Hawaii but you know uh off the coast of Madagascar and
43:56
know uh off the coast of Madagascar and
43:56
know uh off the coast of Madagascar and uh um um so the second time I went there
43:59
uh um um so the second time I went there
43:59
uh um um so the second time I went there the two people who run the conference
44:01
the two people who run the conference
44:01
the two people who run the conference were kind of trying to convince me to I
44:04
were kind of trying to convince me to I
44:04
were kind of trying to convince me to I might like to move there you know
44:06
might like to move there you know
44:06
might like to move there you know because they because Marias is actively
44:09
because they because Marias is actively
44:09
because they because Marias is actively trying to move Tech into their country
44:12
trying to move Tech into their country
44:12
trying to move Tech into their country right and uh they even have a town there
44:14
right and uh they even have a town there
44:14
right and uh they even have a town there called Tech town which is nothing but
44:17
called Tech town which is nothing but
44:17
called Tech town which is nothing but tech companies and wow but so you know
44:21
tech companies and wow but so you know
44:21
tech companies and wow but so you know one of the hardest things at least if
44:23
one of the hardest things at least if
44:23
one of the hardest things at least if you're looking at going to a different
44:24
you're looking at going to a different
44:24
you're looking at going to a different country is the the uh visa and how
44:29
country is the the uh visa and how
44:29
country is the the uh visa and how they're going to allow a foreigner to
44:31
they're going to allow a foreigner to
44:31
they're going to allow a foreigner to live there right so when when the when
44:33
live there right so when when the when
44:33
live there right so when when the when this couple was trying to convince me to
44:35
this couple was trying to convince me to
44:35
this couple was trying to convince me to move maius I learned or they told me
44:38
move maius I learned or they told me
44:38
move maius I learned or they told me about um these these Condominiums maius
44:41
about um these these Condominiums maius
44:41
about um these these Condominiums maius has where if you buy a condominium you
44:44
has where if you buy a condominium you
44:44
has where if you buy a condominium you instantly get a 10-year work permit
44:47
instantly get a 10-year work permit
44:47
instantly get a 10-year work permit right so oh yeah so they're trying to
44:50
right so oh yeah so they're trying to
44:50
right so oh yeah so they're trying to convince you to move to you know to
44:52
convince you to move to you know to
44:52
convince you to move to you know to Marius out in the middle of freaking
44:54
Marius out in the middle of freaking
44:54
Marius out in the middle of freaking nowhere but you know by enticing people
44:56
nowhere but you know by enticing people
44:56
nowhere but you know by enticing people like that and other countries are doing
44:58
like that and other countries are doing
44:58
like that and other countries are doing the same thing right is msus is not the
45:01
the same thing right is msus is not the
45:01
the same thing right is msus is not the only country that does this lots of
45:02
only country that does this lots of
45:02
only country that does this lots of other countries do the same thing and
45:06
other countries do the same thing and
45:06
other countries do the same thing and and so you might have to move to a
45:09
and so you might have to move to a
45:09
and so you might have to move to a different country and what does that I
45:11
different country and what does that I
45:11
different country and what does that I if you want to last another 10 20 or 30
45:14
if you want to last another 10 20 or 30
45:14
if you want to last another 10 20 or 30 years and and what does that entail and
45:16
years and and what does that entail and
45:16
years and and what does that entail and and what are the hurdles you have to go
45:18
and what are the hurdles you have to go
45:18
and what are the hurdles you have to go through to to even do that right yep and
45:21
through to to even do that right yep and
45:21
through to to even do that right yep and then if you do that and you get into
45:24
then if you do that and you get into
45:24
then if you do that and you get into your 80s or 90s what is the healthare
45:27
your 80s or 90s what is the healthare
45:27
your 80s or 90s what is the healthare option available for you in that
45:28
option available for you in that
45:29
option available for you in that retirement right and it might be that uh
45:33
retirement right and it might be that uh
45:33
retirement right and it might be that uh it might not be what you're looking for
45:35
it might not be what you're looking for
45:35
it might not be what you're looking for you never know yeah and I mean I I'd
45:38
you never know yeah and I mean I I'd
45:38
you never know yeah and I mean I I'd want to move to a country that has like
45:40
want to move to a country that has like
45:40
want to move to a country that has like more of a Universal Health Care thing
45:42
more of a Universal Health Care thing
45:42
more of a Universal Health Care thing just because you know the America has
45:44
just because you know the America has
45:44
just because you know the America has just totally messed that whole thing up
45:46
just totally messed that whole thing up
45:46
just totally messed that whole thing up and uh um but I you know I think about
45:50
and uh um but I you know I think about
45:50
and uh um but I you know I think about that because I am older and and Health
45:53
that because I am older and and Health
45:53
that because I am older and and Health Care is incredibly expensive and I see
45:56
Care is incredibly expensive and I see
45:56
Care is incredibly expensive and I see you know I see how many health issues
45:58
you know I see how many health issues
45:58
you know I see how many health issues the older people in my complex are
46:00
the older people in my complex are
46:00
the older people in my complex are dealing with and all everything they go
46:02
dealing with and all everything they go
46:02
dealing with and all everything they go through right and going oh man is that
46:05
through right and going oh man is that
46:05
through right and going oh man is that me in the next 10 or 20 years and and
46:08
me in the next 10 or 20 years and and
46:08
me in the next 10 or 20 years and and how am I going to be able to afford that
46:09
how am I going to be able to afford that
46:09
how am I going to be able to afford that on a fixed income on on on retirement
46:14
on a fixed income on on on retirement
46:14
on a fixed income on on on retirement right oh yeah and I think the uh the
46:17
right oh yeah and I think the uh the
46:17
right oh yeah and I think the uh the dream of hitting the the internet
46:19
dream of hitting the the internet
46:19
dream of hitting the the internet startup with the stock options is is uh
46:22
startup with the stock options is is uh
46:22
startup with the stock options is is uh has come and gone if we haven't hit it
46:23
has come and gone if we haven't hit it
46:24
has come and gone if we haven't hit it yet right yeah yeah yeah that's I I
46:26
yet right yeah yeah yeah that's I I
46:26
yet right yeah yeah yeah that's I I don't think anybody should believe in
46:27
don't think anybody should believe in
46:27
don't think anybody should believe in that pipe sorry
46:29
that pipe sorry
46:29
that pipe sorry that pipe dream anymore
46:33
that pipe dream anymore
46:33
that pipe dream anymore um oh yeah I there were so many times I
46:37
um oh yeah I there were so many times I
46:37
um oh yeah I there were so many times I I think we learned our lessons with the
46:38
I think we learned our lessons with the
46:38
I think we learned our lessons with the internet bubble bursting I you know
46:41
internet bubble bursting I you know
46:41
internet bubble bursting I you know that's where I learned my lesson at
46:42
that's where I learned my lesson at
46:42
that's where I learned my lesson at least yeah yep yep absolutely so I guess
46:47
least yeah yep yep absolutely so I guess
46:47
least yeah yep yep absolutely so I guess I mean with this it's one of those
46:49
I mean with this it's one of those
46:49
I mean with this it's one of those things that if you're younger if you're
46:52
things that if you're younger if you're
46:52
things that if you're younger if you're just getting started in your career
46:54
just getting started in your career
46:54
just getting started in your career think about it now and think about what
46:56
think about it now and think about what
46:56
think about it now and think about what can you do to build that long-term
46:59
can you do to build that long-term
46:59
can you do to build that long-term passive income somehow yeah and I mean
47:02
passive income somehow yeah and I mean
47:02
passive income somehow yeah and I mean my experience has been real estate is
47:04
my experience has been real estate is
47:04
my experience has been real estate is good a good way to do it uh building a
47:06
good a good way to do it uh building a
47:06
good a good way to do it uh building a business is a good way to do it and uh
47:10
business is a good way to do it and uh
47:10
business is a good way to do it and uh building up different Investments that
47:13
building up different Investments that
47:13
building up different Investments that you can be making money off of your
47:15
you can be making money off of your
47:15
you can be making money off of your money rather than making money off your
47:16
money rather than making money off your
47:16
money rather than making money off your labor is another way to do it yeah and I
47:18
labor is another way to do it yeah and I
47:18
labor is another way to do it yeah and I think that uh and to get there though
47:21
think that uh and to get there though
47:21
think that uh and to get there though there's managing debt and if you're in a
47:23
there's managing debt and if you're in a
47:23
there's managing debt and if you're in a position today where somebody says well
47:25
position today where somebody says well
47:25
position today where somebody says well I can't get there because I have so much
47:27
I can't get there because I have so much
47:27
I can't get there because I have so much credit card debt or I have so much debt
47:28
credit card debt or I have so much debt
47:28
credit card debt or I have so much debt on my car or those kind of things uh
47:31
on my car or those kind of things uh
47:31
on my car or those kind of things uh Dave Ramsey talks about the debt
47:33
Dave Ramsey talks about the debt
47:33
Dave Ramsey talks about the debt snowball which is a pretty cool deal
47:34
snowball which is a pretty cool deal
47:35
snowball which is a pretty cool deal where they say just pay the minimum on
47:37
where they say just pay the minimum on
47:37
where they say just pay the minimum on all of your your payments except for the
47:40
all of your your payments except for the
47:40
all of your your payments except for the smallest one the easiest one to pay off
47:43
smallest one the easiest one to pay off
47:43
smallest one the easiest one to pay off and then pay as much as you possibly can
47:44
and then pay as much as you possibly can
47:44
and then pay as much as you possibly can on that small one until you get to the
47:47
on that small one until you get to the
47:47
on that small one until you get to the point that eating away at it yeah eating
47:50
point that eating away at it yeah eating
47:50
point that eating away at it yeah eating away at it and I mean I've done that a
47:51
away at it and I mean I've done that a
47:51
away at it and I mean I've done that a few times and uh it's it's an effective
47:55
few times and uh it's it's an effective
47:55
few times and uh it's it's an effective way to do things because because once
47:57
way to do things because because once
47:57
way to do things because because once that small one's gone it's easier to pay
48:00
that small one's gone it's easier to pay
48:00
that small one's gone it's easier to pay the next one down and easier to pay the
48:01
the next one down and easier to pay the
48:01
the next one down and easier to pay the next one down and uh and fortunately I'm
48:04
next one down and uh and fortunately I'm
48:04
next one down and uh and fortunately I'm so adverse to debt other I mean as long
48:07
so adverse to debt other I mean as long
48:07
so adverse to debt other I mean as long as the debt doesn't make me money I'm
48:09
as the debt doesn't make me money I'm
48:09
as the debt doesn't make me money I'm credit card debt today that I mean I
48:11
credit card debt today that I mean I
48:11
credit card debt today that I mean I don't have to deal with that anymore but
48:13
don't have to deal with that anymore but
48:13
don't have to deal with that anymore but getting there has been a challenge over
48:14
getting there has been a challenge over
48:14
getting there has been a challenge over the years and then having that emergency
48:16
the years and then having that emergency
48:16
the years and then having that emergency fund that six months like you talked
48:18
fund that six months like you talked
48:18
fund that six months like you talked about uh I think that a lot of people
48:22
about uh I think that a lot of people
48:22
about uh I think that a lot of people look at like Consulting versus full-time
48:25
look at like Consulting versus full-time
48:25
look at like Consulting versus full-time FTE position
48:27
FTE position
48:27
FTE position and they say well I don't want to do
48:28
and they say well I don't want to do
48:28
and they say well I don't want to do Consulting because FTE position is more
48:31
Consulting because FTE position is more
48:31
Consulting because FTE position is more stable well in my experience that's
48:34
stable well in my experience that's
48:34
stable well in my experience that's that's not the case I've had multiple
48:37
that's not the case I've had multiple
48:37
that's not the case I've had multiple companies with layoffs where you thought
48:39
companies with layoffs where you thought
48:39
companies with layoffs where you thought everything was groovy and then all of a
48:40
everything was groovy and then all of a
48:40
everything was groovy and then all of a sudden uh half the company's unemployed
48:42
sudden uh half the company's unemployed
48:42
sudden uh half the company's unemployed or in my case on my last time around I
48:44
or in my case on my last time around I
48:44
or in my case on my last time around I was the one that was being laid off just
48:46
was the one that was being laid off just
48:46
was the one that was being laid off just one so well you know the reason I live
48:49
one so well you know the reason I live
48:49
one so well you know the reason I live where I do about a mile away from from
48:52
where I do about a mile away from from
48:52
where I do about a mile away from from the beach is because I used to literally
48:55
the beach is because I used to literally
48:55
the beach is because I used to literally work like three blocks away right and
48:59
work like three blocks away right and
48:59
work like three blocks away right and and when I started working there when I
49:01
and when I started working there when I
49:01
and when I started working there when I was still more of a beginner you know I
49:03
was still more of a beginner you know I
49:03
was still more of a beginner you know I hate commuting more than anything and so
49:05
hate commuting more than anything and so
49:05
hate commuting more than anything and so that's why I bought this place um but
49:08
that's why I bought this place um but
49:08
that's why I bought this place um but now I forgot where I was going with that
49:10
now I forgot where I was going with that
49:10
now I forgot where I was going with that did the commuting n it'll come back uh
49:15
did the commuting n it'll come back uh
49:15
did the commuting n it'll come back uh but oh the the other thing I want to
49:17
but oh the the other thing I want to
49:17
but oh the the other thing I want to bring up real quick and and that is uh
49:20
bring up real quick and and that is uh
49:20
bring up real quick and and that is uh uh kids now you know you and I both have
49:23
uh kids now you know you and I both have
49:23
uh kids now you know you and I both have children but M mine are older now I have
49:25
children but M mine are older now I have
49:25
children but M mine are older now I have uh you know grandkids
49:27
uh you know grandkids
49:27
uh you know grandkids and and believe me I know how hard it is
49:31
and and believe me I know how hard it is
49:31
and and believe me I know how hard it is to have kids and be a younger developer
49:33
to have kids and be a younger developer
49:33
to have kids and be a younger developer and living paycheck to paycheck and
49:35
and living paycheck to paycheck and
49:35
and living paycheck to paycheck and barely making it through believe me I
49:38
barely making it through believe me I
49:38
barely making it through believe me I was there I did it for a very long time
49:41
was there I did it for a very long time
49:41
was there I did it for a very long time but um you know you still need to work
49:44
but um you know you still need to work
49:44
but um you know you still need to work on this even though you're dealing with
49:46
on this even though you're dealing with
49:46
on this even though you're dealing with those struggles because you know it you
49:50
those struggles because you know it you
49:50
those struggles because you know it you know you need to start working on it
49:51
know you need to start working on it
49:51
know you need to start working on it right when you start getting a full-time
49:53
right when you start getting a full-time
49:53
right when you start getting a full-time job your first gig right yep and and I
49:57
job your first gig right yep and and I
49:57
job your first gig right yep and and I look at that and I think that if I could
50:00
look at that and I think that if I could
50:00
look at that and I think that if I could have started with the focus I had when I
50:02
have started with the focus I had when I
50:02
have started with the focus I had when I was mid-30s if I could have had that
50:05
was mid-30s if I could have had that
50:05
was mid-30s if I could have had that same focus in my early 20s I'd probably
50:07
same focus in my early 20s I'd probably
50:07
same focus in my early 20s I'd probably be retired by now yeah yeah me but I
50:10
be retired by now yeah yeah me but I
50:10
be retired by now yeah yeah me but I didn't know what I was doing and I think
50:12
didn't know what I was doing and I think
50:12
didn't know what I was doing and I think that picking up books reading more on
50:15
that picking up books reading more on
50:15
that picking up books reading more on different topics on getting there uh is
50:18
different topics on getting there uh is
50:18
different topics on getting there uh is a great way to start and then take those
50:20
a great way to start and then take those
50:20
a great way to start and then take those things and figure out how can you do
50:21
things and figure out how can you do
50:21
things and figure out how can you do that in your own life yeah yeah it's and
50:25
that in your own life yeah yeah it's and
50:25
that in your own life yeah yeah it's and and sadly you know America does
50:29
and sadly you know America does
50:29
and sadly you know America does a very very poor job on teaching kids
50:33
a very very poor job on teaching kids
50:33
a very very poor job on teaching kids this like in high school and college
50:35
this like in high school and college
50:35
this like in high school and college right I mean the only class I went to in
50:39
right I mean the only class I went to in
50:39
right I mean the only class I went to in in high school for financial stuff was
50:41
in high school for financial stuff was
50:41
in high school for financial stuff was learned how to use a checkbook and stuff
50:43
learned how to use a checkbook and stuff
50:43
learned how to use a checkbook and stuff like that nothing about saving or you
50:46
like that nothing about saving or you
50:46
like that nothing about saving or you know nothing like that right and I think
50:50
know nothing like that right and I think
50:50
know nothing like that right and I think you know that is a big problem in any
50:53
you know that is a big problem in any
50:53
you know that is a big problem in any country that doesn't teach CH kids that
50:56
country that doesn't teach CH kids that
50:56
country that doesn't teach CH kids that right when they're in teenage years so
50:58
right when they're in teenage years so
50:58
right when they're in teenage years so they can start working you know on their
51:00
they can start working you know on their
51:00
they can start working you know on their nest EG you know when they you know get
51:02
nest EG you know when they you know get
51:02
nest EG you know when they you know get out of school yep yep and I think it's
51:04
out of school yep yep and I think it's
51:04
out of school yep yep and I think it's one of those things that let's say you
51:06
one of those things that let's say you
51:06
one of those things that let's say you went and you went and built this whole
51:08
went and you went and built this whole
51:08
went and you went and built this whole curriculum to teach kids Financial
51:11
curriculum to teach kids Financial
51:11
curriculum to teach kids Financial education I think it would be a hard
51:13
education I think it would be a hard
51:13
education I think it would be a hard sell I mean I think it would be an
51:14
sell I mean I think it would be an
51:14
sell I mean I think it would be an awesome thing to have but I think it
51:15
awesome thing to have but I think it
51:15
awesome thing to have but I think it would be a really hard sell because at
51:17
would be a really hard sell because at
51:17
would be a really hard sell because at that point that's not what people are
51:20
that point that's not what people are
51:20
that point that's not what people are what kids are thinking about it's almost
51:21
what kids are thinking about it's almost
51:21
what kids are thinking about it's almost like the school system has to have
51:24
like the school system has to have
51:24
like the school system has to have something where it could just be the
51:27
something where it could just be the
51:27
something where it could just be the curriculum yeah it has to be mandated
51:29
curriculum yeah it has to be mandated
51:29
curriculum yeah it has to be mandated and I think that I mean with the school
51:30
and I think that I mean with the school
51:30
and I think that I mean with the school systems today we're hardly getting uh
51:33
systems today we're hardly getting uh
51:33
systems today we're hardly getting uh what people need to be able to reading
51:35
what people need to be able to reading
51:35
what people need to be able to reading right out of it almost so I know I
51:37
right out of it almost so I know I
51:38
right out of it almost so I know I know that's tough spot when you were
51:40
know that's tough spot when you were
51:41
know that's tough spot when you were talking about this one of the other
51:42
talking about this one of the other
51:42
talking about this one of the other things I was thinking about was uh you
51:45
things I was thinking about was uh you
51:45
things I was thinking about was uh you know because you know whenever I see a
51:46
know because you know whenever I see a
51:46
know because you know whenever I see a problem I try to figure out how can we
51:49
problem I try to figure out how can we
51:49
problem I try to figure out how can we you know make this better for other
51:51
you know make this better for other
51:51
you know make this better for other people and so one of the things I
51:53
people and so one of the things I
51:53
people and so one of the things I thought about when you were talking was
51:54
thought about when you were talking was
51:54
thought about when you were talking was uh well maybe we should start having
51:56
uh well maybe we should start having
51:56
uh well maybe we should start having conference sessions on this but then I
51:58
conference sessions on this but then I
51:58
conference sessions on this but then I thought ah no conference is going to
52:00
thought ah no conference is going to
52:00
thought ah no conference is going to pick that up right I mean it's it's you
52:02
pick that up right I mean it's it's you
52:02
pick that up right I mean it's it's you know I doubt very much any conference is
52:04
know I doubt very much any conference is
52:04
know I doubt very much any conference is going to actually have a a session about
52:07
going to actually have a a session about
52:08
going to actually have a a session about that but I think it's important I you
52:09
that but I think it's important I you
52:09
that but I think it's important I you know I think it's important for us to
52:11
know I think it's important for us to
52:11
know I think it's important for us to worry about because we're not taught
52:13
worry about because we're not taught
52:13
worry about because we're not taught about this in school and so how do you
52:15
about this in school and so how do you
52:15
about this in school and so how do you get the message across right and so I
52:17
get the message across right and so I
52:17
get the message across right and so I hope that you know uh you know episodes
52:21
hope that you know uh you know episodes
52:21
hope that you know uh you know episodes like this one and in September and I
52:23
like this one and in September and I
52:23
like this one and in September and I know Shawn wildermoth has uh was on
52:25
know Shawn wildermoth has uh was on
52:26
know Shawn wildermoth has uh was on donet rocks uh recently talking about
52:28
donet rocks uh recently talking about
52:28
donet rocks uh recently talking about the same subject and um so we need to
52:33
the same subject and um so we need to
52:33
the same subject and um so we need to start talking about this more and and
52:35
start talking about this more and and
52:35
start talking about this more and and sharing what like you who you know what
52:38
sharing what like you who you know what
52:38
sharing what like you who you know what you've done you know start sharing this
52:40
you've done you know start sharing this
52:40
you've done you know start sharing this more with others to you know encourage
52:43
more with others to you know encourage
52:43
more with others to you know encourage them and you know with that said because
52:45
them and you know with that said because
52:45
them and you know with that said because we have to go in a minute but so since
52:48
we have to go in a minute but so since
52:48
we have to go in a minute but so since you have been working on this for a
52:49
you have been working on this for a
52:49
you have been working on this for a while what books do you recommend or
52:51
while what books do you recommend or
52:51
while what books do you recommend or websites do you recommend to go to well
52:54
websites do you recommend to go to well
52:54
websites do you recommend to go to well I think the the fundamental one that
52:56
I think the the fundamental one that
52:56
I think the the fundamental one that changed my Outlook on it was the Rich
52:58
changed my Outlook on it was the Rich
52:58
changed my Outlook on it was the Rich Dad Poor Dad from Robert kosaki and then
53:01
Dad Poor Dad from Robert kosaki and then
53:01
Dad Poor Dad from Robert kosaki and then uh the what is it Dave ramy's uh Money
53:06
uh the what is it Dave ramy's uh Money
53:06
uh the what is it Dave ramy's uh Money Makeover I think is the name of it or
53:07
Makeover I think is the name of it or
53:07
Makeover I think is the name of it or something like that uh that was a really
53:09
something like that uh that was a really
53:09
something like that uh that was a really good one and then uh it's just reading
53:12
good one and then uh it's just reading
53:12
good one and then uh it's just reading countless for me business books and
53:16
countless for me business books and
53:16
countless for me business books and learning how to uh understand the
53:20
learning how to uh understand the
53:20
learning how to uh understand the financing side of it understand and I
53:23
financing side of it understand and I
53:23
financing side of it understand and I guess the other thing is working with uh
53:26
guess the other thing is working with uh
53:26
guess the other thing is working with uh good professionals like accountants and
53:28
good professionals like accountants and
53:28
good professionals like accountants and lawyers people who know how to answer
53:29
lawyers people who know how to answer
53:29
lawyers people who know how to answer those questions so when you say well is
53:31
those questions so when you say well is
53:31
those questions so when you say well is this really true what I read in this
53:32
this really true what I read in this
53:33
this really true what I read in this article they you can run it by your
53:34
article they you can run it by your
53:34
article they you can run it by your accountant and they'll know so yeah yeah
53:36
accountant and they'll know so yeah yeah
53:36
accountant and they'll know so yeah yeah and and you know I until he retired last
53:40
and and you know I until he retired last
53:40
and and you know I until he retired last December I had a really great accountant
53:42
December I had a really great accountant
53:42
December I had a really great accountant that really you know helped me you know
53:46
that really you know helped me you know
53:46
that really you know helped me you know you know tell me things I needed to do
53:47
you know tell me things I needed to do
53:47
you know tell me things I needed to do that I didn't know right and and so you
53:50
that I didn't know right and and so you
53:50
that I didn't know right and and so you know getting accountant yeah it costs
53:52
know getting accountant yeah it costs
53:53
know getting accountant yeah it costs money but I I think they're definitely
53:54
money but I I think they're definitely
53:54
money but I I think they're definitely worth it if you find a good one
53:57
worth it if you find a good one
53:57
worth it if you find a good one oh absolutely and I think that yeah what
53:59
oh absolutely and I think that yeah what
53:59
oh absolutely and I think that yeah what what my account in charges is certainly
54:01
what my account in charges is certainly
54:01
what my account in charges is certainly worth every penny that I pay mine too
54:03
worth every penny that I pay mine too
54:03
worth every penny that I pay mine too yeah M too yeah I never complain about
54:05
yeah M too yeah I never complain about
54:06
yeah M too yeah I never complain about paying him money because he makes me
54:07
paying him money because he makes me
54:07
paying him money because he makes me money in the end right yeah yeah yeah
54:11
money in the end right yeah yeah yeah
54:11
money in the end right yeah yeah yeah well I probably have to let you go is
54:13
well I probably have to let you go is
54:13
well I probably have to let you go is there anything you want to finish up
54:14
there anything you want to finish up
54:14
there anything you want to finish up with real quick oh just uh measure
54:18
with real quick oh just uh measure
54:18
with real quick oh just uh measure what's important on your on on on your
54:20
what's important on your on on on your
54:20
what's important on your on on on your success along the way and just keep on
54:22
success along the way and just keep on
54:22
success along the way and just keep on trucking keep on going and you'll get
54:24
trucking keep on going and you'll get
54:24
trucking keep on going and you'll get there yeah uh what was the dat again on
54:27
there yeah uh what was the dat again on
54:27
there yeah uh what was the dat again on that uh Forum you're doing in September
54:29
that uh Forum you're doing in September
54:29
that uh Forum you're doing in September I think it's September 7th is that right
54:32
I think it's September 7th is that right
54:32
I think it's September 7th is that right Simon um well I I can look it up I just
54:36
Simon um well I I can look it up I just
54:36
Simon um well I I can look it up I just want to make sure that uh that I tune in
54:38
want to make sure that uh that I tune in
54:38
want to make sure that uh that I tune in for that
54:42
one uh oh I think we clicked something
54:52
wrong I hit the wrong button yeah you
54:55
wrong I hit the wrong button yeah you
54:55
wrong I hit the wrong button yeah you know what done that before
54:59
too oh he dropped by mistake yes I
55:01
too oh he dropped by mistake yes I
55:01
too oh he dropped by mistake yes I dropped by mistake sorry about that
55:03
dropped by mistake sorry about that
55:03
dropped by mistake sorry about that Simon
55:05
Simon
55:05
Simon um I'm sorry what were you saying when I
55:07
um I'm sorry what were you saying when I
55:07
um I'm sorry what were you saying when I dropped oh just I want to make sure I
55:10
dropped oh just I want to make sure I
55:10
dropped oh just I want to make sure I tune in for that one because I want to
55:11
tune in for that one because I want to
55:11
tune in for that one because I want to learn as much as I can along the way too
55:13
learn as much as I can along the way too
55:13
learn as much as I can along the way too yeah September it's September 7th it's
55:15
yeah September it's September 7th it's
55:15
yeah September it's September 7th it's going to be a longer one it's going to
55:16
going to be a longer one it's going to
55:16
going to be a longer one it's going to be like an hour and a half um I have
55:18
be like an hour and a half um I have
55:18
be like an hour and a half um I have four people I'm I'm waiting for a
55:20
four people I'm I'm waiting for a
55:20
four people I'm I'm waiting for a response for one more person and uh and
55:24
response for one more person and uh and
55:24
response for one more person and uh and uh people that I really you know uh like
55:27
uh people that I really you know uh like
55:27
uh people that I really you know uh like in this world and I know has a lot of
55:30
in this world and I know has a lot of
55:30
in this world and I know has a lot of experience in this area that can bring a
55:33
experience in this area that can bring a
55:33
experience in this area that can bring a lot to I mean I I wish the show was
55:35
lot to I mean I I wish the show was
55:36
lot to I mean I I wish the show was longer but you know we can't really do
55:38
longer but you know we can't really do
55:38
longer but you know we can't really do that but um I want to get at least and
55:41
that but um I want to get at least and
55:41
that but um I want to get at least and maybe we'll do more of these I don't
55:42
maybe we'll do more of these I don't
55:42
maybe we'll do more of these I don't know but you know I at least want to get
55:44
know but you know I at least want to get
55:44
know but you know I at least want to get the ball rolling because I just I just
55:46
the ball rolling because I just I just
55:46
the ball rolling because I just I just want to put the you know the idea in
55:48
want to put the you know the idea in
55:48
want to put the you know the idea in younger developers brains because no one
55:50
younger developers brains because no one
55:50
younger developers brains because no one put it in my brain right Y and and so I
55:53
put it in my brain right Y and and so I
55:53
put it in my brain right Y and and so I wanted same here yeah I you know so I
55:56
wanted same here yeah I you know so I
55:56
wanted same here yeah I you know so I want to encourage people you know don't
55:59
want to encourage people you know don't
55:59
want to encourage people you know don't be afraid of you know being older in
56:01
be afraid of you know being older in
56:01
be afraid of you know being older in this career but you need to plan for it
56:04
this career but you need to plan for it
56:04
this career but you need to plan for it yep absolutely yeah yeah and I guess I
56:07
yep absolutely yeah yeah and I guess I
56:07
yep absolutely yeah yeah and I guess I just want to finish up with uh thank you
56:09
just want to finish up with uh thank you
56:09
just want to finish up with uh thank you for having me on the show I mean it's
56:10
for having me on the show I mean it's
56:10
for having me on the show I mean it's it's awesome I appreciate it and uh yeah
56:14
it's awesome I appreciate it and uh yeah
56:14
it's awesome I appreciate it and uh yeah yeah I really enjoyed this pleasure yeah
56:16
yeah I really enjoyed this pleasure yeah
56:16
yeah I really enjoyed this pleasure yeah it's been great talking to you again uh
56:18
it's been great talking to you again uh
56:18
it's been great talking to you again uh you know it's been this is I'm glad you
56:21
you know it's been this is I'm glad you
56:21
you know it's been this is I'm glad you picked this topic because it kind of
56:23
picked this topic because it kind of
56:23
picked this topic because it kind of sets up the the the the September
56:25
sets up the the the the September
56:25
sets up the the the the September episode
56:27
episode
56:27
episode and um and uh and I you know I have to
56:31
and um and uh and I you know I have to
56:31
and um and uh and I you know I have to tell you the truth that you know I'm
56:32
tell you the truth that you know I'm
56:32
tell you the truth that you know I'm just not blowing smoke when I say you're
56:34
just not blowing smoke when I say you're
56:34
just not blowing smoke when I say you're I have to use your tool when I use SQL
56:36
I have to use your tool when I use SQL
56:36
I have to use your tool when I use SQL Server I mean oh with database health
56:38
Server I mean oh with database health
56:38
Server I mean oh with database health monitor you know I mean I totally
56:40
monitor you know I mean I totally
56:41
monitor you know I mean I totally understand it because even though I
56:42
understand it because even though I
56:42
understand it because even though I built it I have to use it because it's
56:44
built it I have to use it because it's
56:44
built it I have to use it because it's so many shortcuts that I've I don't know
56:47
so many shortcuts that I've I don't know
56:47
so many shortcuts that I've I don't know that it takes me too long if I don't use
56:48
that it takes me too long if I don't use
56:49
that it takes me too long if I don't use it yeah yeah yeah well that's kind of
56:50
it yeah yeah yeah well that's kind of
56:50
it yeah yeah yeah well that's kind of how way I feel about my open source
56:52
how way I feel about my open source
56:52
how way I feel about my open source project yeah I could write all that code
56:54
project yeah I could write all that code
56:55
project yeah I could write all that code in projects but why I've already written
56:57
in projects but why I've already written
56:57
in projects but why I've already written it why just not reuse it from experience
57:00
it why just not reuse it from experience
57:00
it why just not reuse it from experience and testing and all that stuff right yep
57:03
and testing and all that stuff right yep
57:03
and testing and all that stuff right yep absolutely well thanks so much I hope
57:05
absolutely well thanks so much I hope
57:05
absolutely well thanks so much I hope you have a great rest of the weekend I
57:06
you have a great rest of the weekend I
57:06
you have a great rest of the weekend I don't hang out after the show anymore
57:08
don't hang out after the show anymore
57:08
don't hang out after the show anymore but uh I hope you have a great rest of
57:10
but uh I hope you have a great rest of
57:10
but uh I hope you have a great rest of the weekend and and uh if if you do
57:13
the weekend and and uh if if you do
57:13
the weekend and and uh if if you do watch live in September please make
57:15
watch live in September please make
57:15
watch live in September please make comments while we're talking oh yeah I
57:18
comments while we're talking oh yeah I
57:18
comments while we're talking oh yeah I I'll I'll keep an eye out for it and
57:19
I'll I'll keep an eye out for it and
57:20
I'll I'll keep an eye out for it and I'll see what I can do okay great all
57:21
I'll see what I can do okay great all
57:22
I'll see what I can do okay great all right well thank you David have a great
57:23
right well thank you David have a great
57:23
right well thank you David have a great day thank you so so much see you next
57:25
day thank you so so much see you next
57:25
day thank you so so much see you next time yep bye well that was a really
57:28
time yep bye well that was a really
57:28
time yep bye well that was a really great uh discussion with Steve I you
57:30
great uh discussion with Steve I you
57:30
great uh discussion with Steve I you know like I said this uh subject is
57:33
know like I said this uh subject is
57:33
know like I said this uh subject is really important to me because I'm am
57:34
really important to me because I'm am
57:35
really important to me because I'm am struggling you know uh big time right
57:37
struggling you know uh big time right
57:37
struggling you know uh big time right now and and uh you know I don't want to
57:39
now and and uh you know I don't want to
57:39
now and and uh you know I don't want to complain about it what I want to do is
57:41
complain about it what I want to do is
57:41
complain about it what I want to do is find a way to help other developers you
57:44
find a way to help other developers you
57:44
find a way to help other developers you know to not struggle like I am right now
57:47
know to not struggle like I am right now
57:47
know to not struggle like I am right now and um and lots of other people I'm not
57:49
and um and lots of other people I'm not
57:49
and um and lots of other people I'm not the only one in this boat you know
57:51
the only one in this boat you know
57:52
the only one in this boat you know luckily like I I mentioned a little bit
57:54
luckily like I I mentioned a little bit
57:54
luckily like I I mentioned a little bit ago other people are starting to speak
57:56
ago other people are starting to speak
57:56
ago other people are starting to speak up about this um and this is the first
57:59
up about this um and this is the first
57:59
up about this um and this is the first time I really remember people talking
58:01
time I really remember people talking
58:01
time I really remember people talking about this and uh so I hope this Spurs
58:05
about this and uh so I hope this Spurs
58:05
about this and uh so I hope this Spurs more and more people uh so we can help
58:07
more and more people uh so we can help
58:07
more and more people uh so we can help more and more developers uh you know
58:10
more and more developers uh you know
58:10
more and more developers uh you know plan for their retirement whenever that
58:12
plan for their retirement whenever that
58:12
plan for their retirement whenever that is right whether you're older or younger
58:15
is right whether you're older or younger
58:15
is right whether you're older or younger uh you you're not going to be able to
58:16
uh you you're not going to be able to
58:16
uh you you're not going to be able to retire if you don't plan it's not going
58:19
retire if you don't plan it's not going
58:19
retire if you don't plan it's not going to happen magically um unless a company
58:22
to happen magically um unless a company
58:22
to happen magically um unless a company forces you I
58:24
forces you I
58:24
forces you I guess all right here here's the uh
58:26
guess all right here here's the uh
58:26
guess all right here here's the uh technical debt for today see Simon can
58:31
technical debt for today see Simon can
58:31
technical debt for today see Simon can you switch the
58:34
slides tavid you're not sharing a screen
58:36
slides tavid you're not sharing a screen
58:36
slides tavid you're not sharing a screen because you dropped oh oh sorry about
58:40
because you dropped oh oh sorry about
58:40
because you dropped oh oh sorry about that
58:43
uh there we
58:47
go so what happens when you press the
58:49
go so what happens when you press the
58:49
go so what happens when you press the wrong freaking button maybe that button
58:51
wrong freaking button maybe that button
58:52
wrong freaking button maybe that button should have do you really want to log
58:53
should have do you really want to log
58:53
should have do you really want to log out kind of a message box
58:57
out kind of a message box
58:57
out kind of a message box anyway I found this today I I really
58:59
anyway I found this today I I really
58:59
anyway I found this today I I really like it uh because I hate technical debt
59:02
like it uh because I hate technical debt
59:02
like it uh because I hate technical debt with a passion and uh yeah I don't
59:05
with a passion and uh yeah I don't
59:05
with a passion and uh yeah I don't understand why it takes so long to add a
59:06
understand why it takes so long to add a
59:06
understand why it takes so long to add a new window exactly this is what happens
59:09
new window exactly this is what happens
59:09
new window exactly this is what happens when companies or teams put all of their
59:12
when companies or teams put all of their
59:12
when companies or teams put all of their problems into this bucket and never deal
59:14
problems into this bucket and never deal
59:14
problems into this bucket and never deal with it you're going to have this happen
59:16
with it you're going to have this happen
59:16
with it you're going to have this happen I've seen this happen countless times in
59:20
I've seen this happen countless times in
59:20
I've seen this happen countless times in my career and so don't do that and take
59:22
my career and so don't do that and take
59:23
my career and so don't do that and take care of stuff uh uh don't put it in the
59:26
care of stuff uh uh don't put it in the
59:26
care of stuff uh uh don't put it in the technical debt waste basket to me
59:28
technical debt waste basket to me
59:28
technical debt waste basket to me technical debt is a cancer on a project
59:30
technical debt is a cancer on a project
59:30
technical debt is a cancer on a project I have a meme about that I
59:33
I have a meme about that I
59:33
I have a meme about that I think
59:40
um all right as always I hope you help
59:43
um all right as always I hope you help
59:43
um all right as always I hope you help me help the kids in in the slums in
59:46
me help the kids in in the slums in
59:46
me help the kids in in the slums in Delhi India uh please help the voice of
59:49
Delhi India uh please help the voice of
59:49
Delhi India uh please help the voice of Slum by uh donating anything you can to
59:52
Slum by uh donating anything you can to
59:52
Slum by uh donating anything you can to them or buying school supplies or
59:54
them or buying school supplies or
59:54
them or buying school supplies or clothing for the children and things
59:56
clothing for the children and things
59:56
clothing for the children and things like that you know School voice of Slum
59:58
like that you know School voice of Slum
59:59
like that you know School voice of Slum does a wonderful job of of of helping
1:00:02
does a wonderful job of of of helping
1:00:02
does a wonderful job of of of helping you know children in the slums in Delhi
1:00:04
you know children in the slums in Delhi
1:00:04
you know children in the slums in Delhi India get out of the slums uh get
1:00:07
India get out of the slums uh get
1:00:07
India get out of the slums uh get clothing training uh school um fed they
1:00:11
clothing training uh school um fed they
1:00:11
clothing training uh school um fed they feed them they teach them how to use
1:00:14
feed them they teach them how to use
1:00:14
feed them they teach them how to use computers um great great great
1:00:16
computers um great great great
1:00:16
computers um great great great organization and uh um and you know you
1:00:21
organization and uh um and you know you
1:00:21
organization and uh um and you know you know if you've ever been in a in a in a
1:00:24
know if you've ever been in a in a in a
1:00:24
know if you've ever been in a in a in a slum in Delhi India it's heartbreaking
1:00:26
slum in Delhi India it's heartbreaking
1:00:27
slum in Delhi India it's heartbreaking and so you know we really need to help
1:00:29
and so you know we really need to help
1:00:29
and so you know we really need to help these kids get out of that situation so
1:00:31
these kids get out of that situation so
1:00:31
these kids get out of that situation so they can have a better life you know
1:00:32
they can have a better life you know
1:00:32
they can have a better life you know kind of something we've been talking
1:00:33
kind of something we've been talking
1:00:34
kind of something we've been talking about this whole episode so um I hope
1:00:37
about this whole episode so um I hope
1:00:37
about this whole episode so um I hope you go to voice ofs slam.org and donate
1:00:39
you go to voice ofs slam.org and donate
1:00:39
you go to voice ofs slam.org and donate whatever you can uh but please go there
1:00:42
whatever you can uh but please go there
1:00:42
whatever you can uh but please go there uh right after the show because I know
1:00:43
uh right after the show because I know
1:00:43
uh right after the show because I know Dave and Chandy need your help uh
1:00:46
Dave and Chandy need your help uh
1:00:46
Dave and Chandy need your help uh desperately all right so the next
1:00:48
desperately all right so the next
1:00:48
desperately all right so the next episode is one month uh ked's going to
1:00:50
episode is one month uh ked's going to
1:00:50
episode is one month uh ked's going to be back I don't remember how many times
1:00:52
be back I don't remember how many times
1:00:52
be back I don't remember how many times he's been on the show uh but he's going
1:00:54
he's been on the show uh but he's going
1:00:54
he's been on the show uh but he's going to be back this his third or fourth time
1:00:57
to be back this his third or fourth time
1:00:57
to be back this his third or fourth time I can't remember now um Simon is telling
1:01:00
I can't remember now um Simon is telling
1:01:00
I can't remember now um Simon is telling me I think uh SE two times
1:01:05
me I think uh SE two times
1:01:05
me I think uh SE two times um so he's going to be back on I don't
1:01:08
um so he's going to be back on I don't
1:01:08
um so he's going to be back on I don't know what the subject is yet but I'm
1:01:10
know what the subject is yet but I'm
1:01:10
know what the subject is yet but I'm sure it'll be great because I I always
1:01:12
sure it'll be great because I I always
1:01:12
sure it'll be great because I I always enjoy talking to him as always please go
1:01:15
enjoy talking to him as always please go
1:01:15
enjoy talking to him as always please go donate blood this weekend America's in a
1:01:18
donate blood this weekend America's in a
1:01:18
donate blood this weekend America's in a huge shortage especially around um
1:01:20
huge shortage especially around um
1:01:20
huge shortage especially around um holiday weeks like we've had this week
1:01:23
holiday weeks like we've had this week
1:01:23
holiday weeks like we've had this week uh so please go donate I donated last uh
1:01:26
uh so please go donate I donated last uh
1:01:26
uh so please go donate I donated last uh uh Sunday uh please go donate I I think
1:01:30
uh Sunday uh please go donate I I think
1:01:30
uh Sunday uh please go donate I I think um my next donation I'll hit 20 gallons
1:01:33
um my next donation I'll hit 20 gallons
1:01:33
um my next donation I'll hit 20 gallons of uh uh blood donated I'm I'm pretty
1:01:36
of uh uh blood donated I'm I'm pretty
1:01:36
of uh uh blood donated I'm I'm pretty proud of that and uh so you go donate
1:01:39
proud of that and uh so you go donate
1:01:39
proud of that and uh so you go donate right now because you never know when
1:01:41
right now because you never know when
1:01:41
right now because you never know when you're going to need the blood so uh
1:01:43
you're going to need the blood so uh
1:01:43
you're going to need the blood so uh Bank up the karma all right with that uh
1:01:46
Bank up the karma all right with that uh
1:01:46
Bank up the karma all right with that uh please email me any suggestions comments
1:01:48
please email me any suggestions comments
1:01:48
please email me any suggestions comments for the show and uh and I'll see you
1:01:51
for the show and uh and I'll see you
1:01:51
for the show and uh and I'll see you back in one month with c
1:01:57
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