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Welcome back to the Never Been Promoted podcast. Hi. I'm Thomas Helfrich, your host. Thank you for joining. You know, we're on a mission to help a 1000000 entrepreneurs get better at entrepreneurship. We're doing this through micro mentoring, through the stories and the journeys, successes and failures of other entrepreneurs. If this is your first time here, thank you. I hope it's the first of many. And if you've been here before, collect your dad points because I give them out, like, just candies to I don't know. No 1 actually gives away candies. That's kinda creepy. But you can collect your dad points none nonetheless. Listen. I don't actually do this. I'm gonna start adding this piece. So if you're hearing this, this is the first time. Go out there and give a nice review on the Apple or Spotify playlist for for the podcast. I asked this because some guy gave us a 1 star and he because I wouldn't put him on the show. So I'm asking you to reverse troll and and give us a 5 star. So if you would do that, maybe follow the podcast or subscribe on YouTube at never been promoted. But today, we are joined by, the income coach, Steve Selengut. Not selling goot, selling gut. He is, he is gutless, though. He no, wait. He has guts. He doesn't have a belly. That's what I'm trying to say. Steve, how are you? I'm good, Thomas. Good good to be here with you. You're a private income coach for investment, you know, like, in portfolio. You know, I think you said you're in South Carolina. Is that correct? What what part?
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Yeah. Yeah. Near Charleston, Kiowa.
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Kiawah. Area. Kiawah is a very poor area of, Charleston. So if you could throw this guy some business to help him out a little bit, it'd be great. Let's start with an icebreaker question. Well, what's first, before that, do you play golf? I do. This is this will be relevant. Couple times a week. Couple times a week. Okay. Alright. Who, in your opinion, not anybody else's opinion since it's a little rhetorical, is the greatest golfer of all time?
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Tiger Woods. Okay.
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Do you believe in the next 30 years, anybody will surpass what he's done?
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Most likely, there will be somebody. Yeah. I to overcome all the things he had going against him in general, in our culture, I don't know. But possibly, you know, more consecutive years of greatness and brilliance, perhaps perhaps.
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I think it's gonna be hard to do it. I think there's so many more athletes in. The the thing the thing will have to happen is, they'll have to do something like a change the ball. The the game will have to have changed where, like, some part of the aspect of the game universally has changed for someone else to emerge as 1 of the greats. Well, if they change the ball again, they're gonna have to double the size of these golf courses. I mean, well, I think they need to dumb it down like they did, like, you know, other sports where they're like, hey. Listen. No 1 in this planet's in the past 250 anymore, but no 1 wants to see that. So dumb conversation has nothing to do with entrepreneurship. And but if you're if you're an entrepreneur, you play play golf because that was probably 1 of your motivations to become an entrepreneur. Do you wanna give a little backstory to you and and and lead us in a little bit to what you're currently working on?
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Well, yeah. You know, when you get when you've you've when you've had a a long career, like I have, I had about about 50 years I've been investing money from my own at first and then other people's for the past 44 years or so. It's it's you learn a lot. You know? You have an awful lot of experiences. You've ex hopefully, you've experienced more mistakes that other people have made, and you've been able to correct than ones that you've made yourself. And over years, I think investment people do get to that point. So now this is kind of a new adventure. The the old adventure, I got paid an annual rate. And now with this new thing of coaching, I get paid, like, for people who actually ask me to do it. I don't get any annualized, whether you work whether you do anything for this guy today or not, you're still getting paid type environment. So it's a it's a bit of a different type of entrepreneurship than I'm used to, but it is it is equally as enjoyable in in another way. It was great when I was making money for other people, and I felt like I'd really accomplished something. And it would it's equally great when I think I'm teaching somebody how to change their life with, the amount of income. I'm showing them it's right there at their fingertips. You know? And they, you know, they come in with a goal. I wanna make 20, 000 a year. You know? How How much money do you have? I have this amount of money. Okay. Well, then it's not a problem. I'll show you how to do that. You know? Or I haven't yet had the guy come in that says, I wanna make this much a year. I said, sorry. It's not gonna happen unless you're expected inherence like that. You know? So, you know, so, it's it's it's new. It's different. It's interesting right now. It's keeping me busy. More busy than I really should be at at this age, but,
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oh, well. Yeah. It's I'm liking it. You, and you made a pivot. Like, you were you know, is it just less stressful? What was the reason for the pivot to coach?
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Oh, I was I got an offer I couldn't refuse. Well, someone bought your business. Yeah. My business was bought up for, you know, the equivalent of 6 years income. And, you know, at 77, if you can get 6 years income, that's not a bad shtick. You know? And, I had already you know, I'm not saying it's you know, I had I had I had some dollars stashed away from all the years of being in business. So this this was kinda nice. Yeah. This was kinda nice. A little less I wrote another book. You know, I wrote another book and started a business. Oh, my god. A little less. You have a it's a Retirement Money Secrets. Is that the 1 you're referring to? Right. Retirement Money Secrets. It's it's a conversation like you and I are having. Oni, it's my wife and I talking to a couple. We meet on a cruise, and we're talking about how, Sandy and I financed it verse versus how John and Jean faced or John and Jane financed theirs. You know? So, they had to sell securities. We we paid for it out of income. How do how do they say, how do I get there from here? And that's where it all starts, where I explain the process. I explain the principles that I apply, what's important, what shouldn't be important. And the biggest thing is a mindset a mindset change. And I think the biggest mindset change we could get to get people on their way to income independence and and investing not only here, but throughout the world is to stop this focus on watching their market value and hoping it goes up and that'll be enough, so that they can sell things to maintain a lifestyle and instead focus on developing enough income that it replaces your current salary. Yeah. That's You know? That's what I that's what I did. And it's it's not difficult. The sooner you start, the easier it is. When you,
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we'll get into that a little bit here. III think, it's easy. There's there's still gotta be a requirement of some sort of you have some kind of income coming in first. So, like, what's kind of the Oh, sure. Sure. Path is easy? Is it is it real estate? Is it, you know, dividend based investment? What's the what's the kind of or mix? What's the what's the approach?
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It's a mix of lots of different areas of investing, certainly. I have I use jeez. It's hard to there's a lot of basic principles of investing that most people don't know about or don't learn about in school or even in the business world. The basic things of they they approach investing more as a gambling mechanism that we're gonna make a big hit. I'm gonna I'm gonna get 1 of these hot companies. I'm gonna ride it up and up and up, and it's never gonna go down, and I'm gonna get wealthy that way. They focus they don't focus on generating income. They don't know about what investing is. I mean, there are people who own stocks that don't know they own a piece of a corporation. You know? That it's actually you're an owner of this corporation, and you should be demanding that the corporation pay you for your the use of your money. You know? They don't understand about the debt instruments that bonds and preferred star stocks are in a certain cinch sense. They they don't understand a whole lot of investing, and I think this book explains that I go through a peer I I developed actually my Facebook group, and I developed a risk pyramid, which any type of security you can pretty much find you could if you look at all the types of mutual funds or something like that, you see the different types of securities or the types of emphasis they have. And we'd we discovered 40 different areas that are covered by closed end funds, which is the vehicle I use in my methodology. And we developed a pyramid that breaks down the stuff inside which is most risky. Is it is it the master limited partnerships up there at the top of the pyramid? Or is it the, corporate or government bonds down at the bottom? You know? And we created a whole setup like that so so people could appreciate when they go out and buy something and they see it's, commodities or it's futures of some kind. They know that it's gonna be more risky overall than it is if they're buying some corporate debt. Well
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and, actually, how you define risk, I mean, I wanna come back to that, Well, actually, I want to take that 1 out. So is it risk to lose your money, which is a different mindset change, or is it risk that you won't have enough?
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That's a good 1. We're so let's talk about those 3 basic risk. There's there's financial risk, which means the entity that you have either given that you've given money to, either in debt or ownership, is gonna go out of business and you go to 0 or close to 0 if you're a debt holder. That's financial risk. There's market risk, which is, in my mind, it's not a risk at all. It's a natural state of things in markets. Prices go up and down. But that's what Wall Street focuses on as as we all know. They they're talking about how much does the market go up today or down today. Up is always good. Down is always bad. And that's market risk. And the other 1, the risk of not having enough, is that would we call that a planning risk or maybe even an understanding or education maybe even?
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It is certainly a risk. I mean, if you don't take these types of enough of these investments, you won't have income kind of thing. Like, so you'll have you'll be at the mercy of a market risk
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at that point. Yeah. Or you'll yeah. Or you'll have you'll have yeah. You your pension and your Social Security are never probably gonna be quite enough. You need a little extra. Yeah. And your investment portfolio can be the provider of that. Yeah. So maybe that's just
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a, lack of planning is a risk or something like that. It's a to me, it's just a sales mechanism. Like, well, what's the risk of not taking these? So I just kind of Yeah. There you go. I was hoping on the sales side of it. That's all. So let's back up a second. So you've you've been doing this for a while, and I love that. I would just love the question of, you know, what does entrepreneur entrepreneurship mean to you? Like, how do you define it in terms that matter?
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Well, it's knowing it's knowing that you have something of value because you've experienced it yourself. I think a lot of people get there that way. Mhmm. I mean, I was able to put together what the way I was doing thing. And, of course, I was a a business major. I wasn't a stock market major, but I knew something about stocks and bonds and and other stuff like that. In real estate, my dad was a realtor, so I knew I knew a lot about real estate and rents and and properties and flipping and and all that kind of thing. So I sort of brought it all together into this high quality portfolio of stocks that I developed and, started to trade because I recognize market cycles and market volatility volatility as an as an opportunity, not as a problem.
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Well, if if you had to do it again, would you have done the same path?
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Probably. Yeah. III think so. III had I was fortunate enough to be in a position that I I had my hands on on the money. III wasn't hurting at all for any of that. So I had the privilege of getting started early. And, investing, it was kind of a natural thing to get there. And I do, I probably made a few mistakes and and tried to guess a couple times to a stock I thought would go up, and finally, I developed guidelines and parameters so that I took I felt that I took the guesswork and the risk, the, that type of risk out of it by having specific, defined elements of quality and diversification Mhmm. And income production in in my selection process. And that's part of what's in retirement money secrets is setting up that, that framework, that background. Everything has to fit into that or else it it doesn't work. You know? You can have great companies, but, you know, if you only have 3 of them and you're not probably diversified, you can get killed if 1 of them goes out of business. You know? So that's that's the type of thing. It's a it's a 4 pronged only approach, to that area of it. And that's what I that's what I put together, and and that once you have that together, the trading, the appreciation in the market cycle, and taking advantage of the market cycle is really a piece of cake. You know? With common stocks throughout my growing up in the stock market where it went from less, the Dow went from less than a1000 in the space of my experience to 30 something 1, 000 where it is where it is now. The S and P was way below a1000. You know? And the Nasdaq, of course, is is is a is another 1. So, yeah, I I think once you get there, once you develop those, guidelines for yourself, that discipline, I am all you know, I never held out for more than a 10% profit in a stock ever, but I also never sold them when they were down because I had already vetted them. I'm not gonna sell IBM just because it goes down. You know? So that's the type of thing. When you had that kind of I'm not gonna say the word certainty because the only certainty is uncertainty. Mhmm. I'm gonna say it was a, a manner of vetting and understanding what you owned in the sense of Yeah. How viable it's gonna be But under most circumstances.
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What do so a lot of a lot of entrepreneurs, they get to their forties, whatever, and they're sick of corporate world and they they come over. Right? And they're like and and like a lot of Americans, like, they have little money saved, some 04:01 ks, there's not enough there. And now they're stuck with this. You're not going to be saving anything. If anything, you're going to be burning through What do you what do you give? What's the advice to the guy that's going to basically be kicking it off or the woman that's in their forties? Why they're what do you,
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Oh, well, I never got there. I I got out well, I was I was 34 when I left the big business world. I was I worked for 1 of the biggest, insurance companies in the world. 1 of the 1 of the major ones that were were home home based in New York City, and I commuted there. And pretty early on, I think it was my wife that told me that if I didn't learn how to suck up to these my bosses and so on, that I really wasn't gonna get very far, and, that wasn't me. And, so I said to myself, well, I better I'm gonna I'm gonna find a way. I'm gonna make I'm gonna make enough income so I don't need them anymore. And that's that's the business model that I created. I created an investment model that would get me to that point. And by from, age 25 to age 34, I got to the point where I was making about 4 or 5 times more than my salary with my income from dividends and trading. And then I then I then I had to develop a way to can put that in a can and sell it. Right? So you said to say, okay. How am I gonna sell this process to my and everybody everybody has the same thing. When you become a salesperson, you always sell your family right first. Well, my father wasn't interested, not a bit. He said, hell no. I'm real estate and only real estate. I'm not going near the stock market. But I had a couple of my friends, a dentist, and a restaurateur who,
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I showed them what I'd done with my portfolio, and they said, yeah. I'm too busy to do that myself. Why don't you do that for me?
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And, that's how it started. And it was 3 or 4 years before I really generated a whole lot of other clients. Yeah. It takes a while. So I was living off I was living off my own income. You're,
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what would you think during that time from a mindset standpoint and your, like, skills? What were the you know, to get your your business off the ground and going, what was the what were the skills needed? Who was the mindset needed?
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Well, the mindset, I've never had a problem with confidence. So I think self confidence, I think, is a must. I mean, I don't think you can I don't think you'll even attempt to start a business unless you have a whole bunch of self confidence? And I I think that's the the mindset that you have to I can do this. You know? It may not be easy, but I can do it. Yeah. And the energy to not say, well, I can do it, but I'm not gonna work more than 9 to 5. You know? I mean, I work. I I still work 8 hours 8 8 days a week. You know? I just it just make never ends. Never ends. No. And it and it and as long as you're enjoying it, what what the heck? It's it's it's not a problem for me to come in here on a Sunday morning and do a couple things. Alright. It's not working too. Didn't feel like it. No. It's it's not. I I you know, so I think that's the mindset. The mindset is confidence is is really you can't be second guessing yourself. From the time I started managing other people's money to to today, I have never read another person's financial book of style or approach or, you know, things like that. I've never you know, when it when it when it ain't
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when it ain't broke, don't fix it. Yeah. Well, it's all good. You know, I didn't If you're finding success with it, you don't get tanked. Exactly.
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Yeah. Yeah. I, you know, I I didn't wanna say and then,
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maybe I will add some of that over here. Maybe that'll work for this guy or that guy. I didn't I didn't feel like I needed to do that. I felt like maybe you're gonna lead with I didn't read another book because I don't know how to read. I thought maybe you're, like, I'm actually a little let's dive let's dive in your journey a little bit. So, maybe give me 1, like, you know, be, like, proudest moment in your career, like like success story followed by a challenge you just maybe never overcame? Or if you did, it was just like, man, I die. That was the lesson learned.
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I'm I'm having 1 of those right now. I'm having that kind of a dilemma right now where I I'm trying to accomplish something. I just haven't even been able to scratch the surface. But I would, you know, the I would let's call it the crowning moment. You know? You have a process, and all of a sudden, you're in an environment where everything comes together. And I have to say, that was that was as recently as 2021. We started we started the year, me and my group, and in that group, I I my management amount was about be just be right around 90, 000, 000, and that's what we started, 2021 with. And it was such a year that my my accounts generated $7, 000, 000 in just distribution income, just base what I call base income, dividends and interest. In the same year, we generated another 7, 000, 000 in capital gains. Just totally unimaginable ever. Never had we had a year like that. There were there were months where we averaged $30, 000 in profits a day. Jeez. It was just unbelievable how good it was. And and that's a few months later, we got the offer to buy us out. Yeah. It's a good time to sell. It was a hell of a time to sell. Yeah. Great. So high. You got it. You got it. So so I I have to say that that was the biggest success. Mhmm. We finished up selling. We I had a 110, 000, 000 under under management when we finally sold. That's great. And, and we are up almost at the anniversary. We're in the financial industry.
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That's That's coming around the corner.
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But but the the thing I'm having difficulty now, and this is since I started coaching, I really feel that my approach and my focus on income is something that would benefit a lot of people. And it doesn't mean that you have to stop being in the stock market or you have to stop being in real estate, or you have to stop doing what you're doing now, or stop what you're advising people to do now if you're a professional. So I've been trying to get some you know, how LinkedIn, you have all these groups of financial advisors and investment professionals and and things like that. And I've been responding to them when they when they follow me or when we connect and and sort of saying, hey. Look. This is this is me and this is what I do. I wanna talk to you about how you can make more money for your clients. And I would really think that I would get a response. Say, okay. Let's talk. Or,
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you know It's difficult. Right? There's a trust factor. Oh, man. It's like
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It's it's a whole different world when you're a It's a whole different world. Way
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to do it. Right? Do you, if so but you're are you are you trying to coach individuals, or are you trying to coach other?
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I I either. Either or. I've coached I've I've been a I've had a lot of coaching clients. I've had a lot of success with that. I think I've in the 6 months or so since the book was launched, I think I've I've got a little over 50 individuals that I've had at least 1 coaching session with and another 45 or 50 that have subscribed to my selection universes, the ones I vet for my own use. And they, they do that. But I haven't had any professionals yet that I've convinced that they could set up a portion of their business to just do income portfolios for people. I mean, I know for a fact that in in the, 110, 000, 000, a 145, a 150 clients that I managed money for, I wasn't managing all their money. I would I would say I was managing a lot of it, and then some but in some cases, I wasn't managing a large amount of their money. And so I think other people would be in the same state, other advisers. If they've got somebody if they're focused entirely in the stock market and that's who they're working with, If they went to their clients and say, hey, John. I've got this new approach here. We we we we can generate 8, 9, or 10% income safely. Would you be interested in parking some of your money in that type of an environment instead of those you know, why why are you having those muni bonds that are taking you 2 3% with all the markups and markdowns when you can buy a closed end muni fund with no expenses like that that's right now paying 5%. You know? So, you know, that that type of thing. That that would be something they'd be interested in looking into.
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Is that what having a trial. Is that And I'd really that's what I Was it is that what kinda you dislike about the current business?
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It's it's not a dislike so much. It's like a, it it just boggles my mind that nobody seems interested in providing income for their clients. They're all chasing market value. And I don't and and the reason and I don't even wanna say it because it's probably kind of insulting to them. But the reason is that I see the only reason can be is because they get paid on amount under management. They get paid on assets under management. And closed end funds, the income production securities that I use, are not designed to grow in market value. They're to grow income. That's the difference. I think I think that is But you can AUM. But you can trade them just like stocks. And I didn't get to a 110, 000, 000 under management because it was, you know, I didn't get there fast, like, just 1 run up of the market. Mhmm. I get there, and everything that's in the stock market or bond market is in the closed end funds. So it's the same base securities in there. The difference is that I'm growing capital that's producing more income every year regardless of what the market does. What's the
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the exit? So the only thing I can convince is if your AUM model exits you at 1x and the income model exit you at 6. Is there an argument there?
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III think there is, except they don't get the bonuses and they don't get the, they don't they just don't get ahead in their business on anything but AUM. When we were when we were taken over by this big company, I said, you know, my my partner and I and he was handling most of the negotiations. And, he was a he was a partner in the sense that we've worked together for since the eighties, not that we actually had a, you know, a partnership business. I was surprised I always had a corporation that worked through him. But he when we when he was negotiating with him, I said, Ken, what you should be telling them is that we have a methodology here that generates more income for people than anything they've ever seen. Anything, anywhere. You can't. You can you can Google all you want, and you're not gonna find anybody that generates the kind of income that we generate. If you tell them that if you tell them that, they may want to set something up for the future that, you know, like, we could further work with them to help them develop that type of big business, you know, way more way more than a 110, 000, 000.
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You know what? They weren't interest they didn't even wanna talk about it. I'll quote Pearl Jam. It's like the wisdom the old can't give away.
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Not only is the wisdom, Thomas. Wait until you get to the age where you wanted to downsize and you wanna get rid of your China and your antiques and this all these things you've accumulated in your life and you think were so great, and you try to give it away to your kids, your grandkids. They just don't care about anything like that. We never we we haven't gotten we're we're,
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we've taken my wife have taken more of the outside of a couch and something else. Like all this stuff we can just get rid of. We move. Let's just take the couch because it's nice. But everything else is that I have my grandma in China and occasionally a bowl breaks and slowly withering down, but it's tougher to tell you that. Alright. Let me ask him. What keeps you up at night?
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I keep getting ideas. Yeah. Active mind, You know, I'll wake up I'll I'll wake up and I'll go out into the and I'll make a I'll I'll send myself a a text. Don't forget to think about this or look into this or do that
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or talk to talk to what's his name about that, you know, that type of thing. That that keeps me up. That's a good thing to keep out of the that keeps them up. Yeah. Yeah. I love that. Yeah. What's, if you had to distill your whole life's work down to 1 tip, what's the tip you'd give your another entrepreneur, another business owner?
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You know what? When you come from a background where you've got a little bit of you've got a privilege type backing. You know what I mean? Mhmm. Where you can afford to take a risk and do something different or thumb your nose at your employer and say I'm gonna do my own thing. I don't know how you can I don't know how you can advise somebody how to choose their parents well? But but I can tell somebody that when they have a spark, when they're working here's the thing. When you get a job, find a position in that job that is like a business inside a business. You know, a lot of like, our, I went to work in the pension investment department. So I had a a real focus type of business within that huge organization. Get yourself into something that can be that you can make grow your knowledge in, that you can get good at Yeah. And take somewhere else and make a business out of it. Yeah. That's that's great. That that would be that would be what, you know, that that would be something you could do. I think I think I've told my grandson that once. You know, get yourself someplace where you can learn something that you can take out and do yourself.
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My philosophy of entrepreneurship is, we'll come out of school debt free And the idea is, you know, go start your own thing. If you have that inclination, just do it. And if you don't know what you're doing, then go work for somebody who does for a few years with the idea that you're gonna go leave. There you go. And I I'll absolutely I 100% subscribe to that idea. And entrepreneurship is not for everybody. I get it. And and that's a great if you can find comfort working with somebody, you love that rocket, you're in a great spot. But those of us who have any of that spark or inkling, it's it can be a a bit of, like, a prison sentence for the time. Strange. Go ahead a year. You you fast forward a year. What did you accomplish?
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The past 4 year, I've I've accomplished a lot. No. No. I've I've fast forward 1 year. Fast forward a year. We've already covered all that. That the first We are. Alright. Fast forward 1 year. Okay. I'm hoping I can get that book out to about 10, 000 people.
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10, 000, downloads or buys? Either way?
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Either way, I don't care how they buy it. Just just not so much for the $7 per copy you may you make or even for the business that it would generate, but that I would know that there are people out there that are gonna be making a whole lot more money from from their investments than they are today. And that would that would satisfy me. That would be bit of validation for a career as well. That'd be there. Yeah. Yeah. Legacy
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legacy, it's it's all that. I wouldn't beat yourself up too bad. So if you're a self published hybrid republished, if you get a 1, 000 copies out, you're doing pretty good, believe it or not. It's the publishing game you do. I've sold 22100. So you're you're killing it because the the truth is that publishing game is a pretty rigged system. Yeah. I gotta say. I believe that. For the top top sellers. You're you're a 100% on your own for getting your own stuff. Alright. Hey. Last question coming here is gonna be how to get ahold of you if they wanna work with you. But the 1 before that is, what's the 1 question I should've asked you? I didn't.
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What is it you should should ask me. What is it about closed end funds that make them more appropriate in an income focused investment environment than anything else?
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1st, define what a closed end fund is. And then second, you can answer that question.
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Okay. Well well, you all know that a mutual fund is what's called an open ended fund. It means that as many shares as as you wanna buy, they will print and give to you. Okay? When you start selling, like, when there is a a downturn in the market and people start selling their shares, they're buying them back from you, the fund is. In a, in an ETF, it's pretty much the same thing. They each can create as many shares or as necessary to to meet the market. A closed end fund is not that way. They have initial public offering, and that's it. They are they take that money. They buy a portfolio of securities in the style they're gonna invest in, and the shareowners' own pieces of the action. It's not a direct relationship like it is in a in a in a mutual fund. There's it's just like a regular common stock. You're owning part of a business. You're not owning it at its net asset value or as it at its book value. You're owning a stock in something where the value varies with supply and demand. So it's the same type thing. The key difference the the key difference is that these are trust vehicles, pass through trusts. So every penny of of net income they produce, 95% of that has to go to their shareholders. That's the difference. That's where all the money comes from. There is no effort to grow the market value. Their effort is to make money. Mhmm. Make money and to distribute it to their
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It sounds like, the perfect money laundering instrument. Yeah. Yeah. You could say that, but don't say it too loud. I mean, your goal is to get initial capital load in to pass money through so to divide it amongst those who knew when to buy it because there's only so many available. I think Pablo Escobar came up with that instrument. I'm just gonna throw that out there. That's genius. We'll see. I haven't noticed his name on any of the, closed end funds I've I've investigated. Cable real. Right? Yeah. There you go. How does somebody get a hold of you if you wanna work with you?
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The website is the income coach.net. Get the book from any any publisher, any any bookstore, online vehicle. The only thing and and there will be an audible book within a month or so, but right now, there isn't. And any place you can get it and, there are links there there to me. I think my phone number is even in it on the website, Amy. But in the book, there's links to my Facebook groups and to the website
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and to get in touch with me. Appreciate it. Thanks, Steve, for joining today. Appreciate it. Okay. It was fun. Good chat. Good conversation. Yeah. Of course. It was it was a I learned a lot. I learned I learned how to money launder, for income, which is great. It's helped There you go. I'm kidding, guys. This is not it's not what that is. This is my my gamer brain. If you made it this part in the podcast, thank you so much, for listening or watching. If this was your first time, I hope you come back. If you've been here before, thanks for returning. You know, go subscribe to the YouTube channel at at never been promoted. Give us a good review if you can on Apple and Spotify. If it's not a 5 star, you just email me directly. I wanna know why because then we can improve it. But thank you so much for listening. Get out there, go help an entrepreneur, go help yourself, ask for help, get out there, just unleash your entrepreneur. So So until we meet again, thanks for listening.
