Podcast Transcription

Melina: You okay if I make you uncomfortable, right?

David: Like usual.

Intro: Welcome to “Flippin’ Off”, a purpose driven podcast about flipping houses and making a difference. Hey, guys. Melina Boswell here with my son, David Boswell.

David: Hi, hi.

Melina: Hey, hey. And so we were just talking about how…poor kid. You know, he’s lived his life with me saying…you know, never allowing…you know, always forcing him to grow. You don’t know this. Yesterday, David…but I was in class. I was talking about…as I was setting students up to go out and door knock, right. We were talking about mindset and I was sharing with them how who you are shows up like at the door. We’re meeting distressed homeowners and how like you don’t realize who you are shows up when you’re at the door because you can get triggered by people, right.

David: Oh, yeah.

Melina: And how it’s really funny that I’m gonna talk about this right now because this situation, the deal we’re gonna discuss, well, there’s so many triggers in it for both of us, right. And I was just sharing how we all have personal triggers and they’re all related to our own personal lives. Like honestly, our childhood, right. Mommy and daddy stuff and how things are generational and I was saying, “You know, there’s the thing.” And we’ll just call it the elephant, you know, like there’s the elephant. It’s the thing that every family has the thing and the elephant. And I was like the kid, the little girl who was like…I was raised in a family where everybody would be like, “There’s no elephant. What elephant? We don’t even care about the elephant. The elephant doesn’t exist.” And I was like, you know, young going, “There’s an elephant, right.” Like pointing, “Look at that elephant. Do you see that it’s pink and it’s polka dots and it’s whatever, you know.” And nobody knew what to do with me because I was just…that’s my nature is to go, “Let’s talk about the elephant.” And so as a result, you were raised in a household that never allowed the elephant to go unaddressed. And how uncomfortable that can be and how actually…how your daughter now is very…that’s why I can get Trinity because she’s the one who’s like, “There’s an elephant, dude.” Like…

David: She just calls it out.

Melina: She just calls it out and says what it is and it makes a lot of people uncomfortable. But how…yeah, for you guys, you know…and it’s interesting too that there is I guess generational…so I had to work really hard to make sure because my nature is to just ignore the elephant. Like I have to be very, very intentional about not ignoring the elephant. And anyway, so that’s what I was saying. I don’t know what we were talking about. It’s finally one of the students raised…

David: What were you saying about…yeah, yeah.

Melina: Raised his hand and said, “What’s the elephant?” And it was like, “It’s whatever the thing is.” You know, there’s all kinds of things. Everybody…it’s the thing nobody wants to talk about. And so when you’re out door knocking talking with the distressed homeowners, you know, the elephant may look like the foreclosure but it’s not…that’s not really the elephant. There is something else that…you know, there is some kind of life event that happened that caused the foreclosure, right. And that’s probably the real elephant. And they’re not gonna talk about the elephant. They’re gonna point to a squirrel and like, “Look at that and look at this.” And they’re…because people deal with the elephant however they deal with it. Right?

David: So true.

Melina: And how we get triggered by our own personal experiences. So which will kind of play into what you wanted to talk about today. So when we’re thinking about podcasts and topics to have and what we should talk about, what do people wanna hear, David, you’re very good at coming up with things that you think people would find interesting. And so we thought it would be cool to kind of talk about your journey with the club because even though you are the son, right, of the founders, your journey with the club has been…you know, dad and I were very much believers in, you know, you creating your own, making your own way, right. So we didn’t give you anything on a silver platter at all.

David: Right.

Melina: Made you work through and so you’ve been on your own since you were 18 years old, 11 years now. And so kind of your journey, being raised with it but then also not being raised with it.

David: Yeah.

Melina: And interesting that I was thinking about this in 2016, you know, came to your first RPP. Like officially came to your first RPP because there was always a plan of succession for dad and I to kind of, you know, give this thing over to you guys. And 2016 was your first RPP in the summer which was really funny. So we thought we’d share a little bit. So go ahead. Why don’t you think about what you thought was gonna…

David: Yeah, I just…really from my perspective, you know…because I mean, we’ve been…how many years have you been in real-estate? I think over 20.

Melina: Oh, yeah. Oh, yeah. Thirty years, yeah. Your whole life.

David: So it’s like the lingo and, you know, the language and all of the terms and…

Melina: Concepts even.

David: Concepts, different…yeah. Just real-estate in general has been a part of my vocabulary and lifestyle really. But I think it’s…now that I’ve been more involved for, you know, since dad passed, since March it’s been, it’s become an entirely different journey. So I wanted to talk about my…the first deal that I came across in Idaho. You know, I say I always knew about real-estate but I never was actively like…I never saw myself as a…just because, you know, I just saw myself as the child of a couple of…you know, I guess but I never really…I could have a conversation with nearly anybody about real-estate. It didn’t matter where I was, you know. If somebody…people who are older than me when I was younger would…you know, we’d be talking about real-estate and people would be like, “Why do you…how do you know what you’re saying right now?”I almost don’t think I even really knew what I was talking about. It was just like reciting what you would…you know?

Melina: Regurgitating information?

David: Yeah, it’s actually…like it does…it’s so…I feel for people who come to the club that I can see that they just don’t get it. They actually really don’t get it. Even after you’ve been there for…after you’ve gone through your RPP and you’ve spent a couple of months with us, you actually don’t get it still. You actually still don’t get it. So I’ve realized that it’s taken me, I mean, this entire time to get to fully be able to wrap my head around what the opportunity is when you get yourself into something like this. And I think the main point…like the takeaway that I wanna talk about is well, let’s talk about Ross.

Melina: Okay.

David: So…

Melina: Ross is the street.

David: Ross is…yeah, Ross is the street name of the house that we lived in in Idaho. So man, where do I start?

Melina: Well, yeah. I don’t know where you start.

David: It’s kinda tough.

Melina: I know, I know. Because…yeah, yeah.

David: Okay, so…

Melina: You saw an opportunity, really.

David: Yeah, but…well, the truth is I wanted to get us into a house. We were kind of apartment hoping. Davey was three, four, and Trinity was just about to be born. She wasn’t born yet.

Melina: No.

David: So we were at a place where we needed to start settling down. When we first had Davey, I was just kinda running around, we were apartment hopping, I was trying to get my, you know…a little bit established. I was just a kid. So trying to like keep a job for a few years even. So we got to a point where Davey was three, Trinity was gonna be born, and we needed a house. I needed to get into a house. And so I was kind of looking around already knowing…like praying for an opportunity. And I have…I always keep my ears open anyway and also everybody knows what my family does. All my friends know what we do. And so one day my buddy comes to me and says, “Hey. You wanna buy my mom’s house?” That’s actually exactly what he said. And I was like, “What do you mean? What’s going on?” He’s like…and this is a…yeah, well, full disclosure and I won’t say any names but…

Melina: No.

David: Yeah. He says, “My mom is in some trouble. She’s actually on the run and she’s in Texas. Somebody just vandalized the house. It’s like…it’s all beat up. She’s got some enemies that live near and they just don’t, you know…so they don’t like my sister so they wrecked the house. It’s just vacant and it’s in a really, you know…we’re in a really weird position. So can you help? Like we need some help. We need somebody to buy the house.” And so I said, “Well, let’s find out what we can do.” And at this point like I, I didn’t have really any knowledge. Now that I have the knowledge that I do, I actually had zero knowledge about real-estate and how it worked. I just knew that we could…we are in a…I just knew that we were in a difficult situation. This family was in a tough situation. He was a friend of mine so I absolutely wanted to do right by him and his mom. And I also needed to get into a house. So those were the three different pieces of this that…that’s all I really knew. And so I just called mom and I was like, “Hey. Can we do…what can we do with this? Can we do something with this?” And I just remember telling you a little bit of detail. She asked me some questions, questions that I would ask anybody now but she asked me a few questions and I could just hear the excitement level in her voice. Like, “Dude, I think you’re onto something. I really think you’re onto something here.” So through maybe the next few months, we were able to get, you know…to work everything out so we…I mean, the truth is for somebody else to buy that house, it would…I mean…

Melina: Yeah. I mean, you know, it goes down to deals are not found, they’re created.

David: Yeah.

Melina: Right, because it wasn’t a deal on its face. It was just…because the house needed a lot of work.

David: Needed a lot of work.

Melina: And it was in foreclosure. And it was vacant and…

David: The owner was gone in Texas.

Melina: The owner was gone. So there was just a lot of moving parts to it. So we basically came in and took it over subject two. We brought it current and then we paid the seller, your friend’s mom, we paid her equity. Paid it out to her directly. And then you guys moved in and we…you know, well, you painted first and…well, we painted. Yeah, we did it all ourselves. You and me and Kendra and Spoon.

David: Yeah.

Melina: Yeah. And we did a lot of the work by ourselves. We tore out carpet and we painted and we…yeah. There was a lot of work to be done to it.

David: Yeah, so it’s just…I don’t…I think for people to…that are coming into the club, they just like…there’s that saying, you just don’t know what you don’t know. And so I felt this overwhelming…at our last introduction, that’s something I really wanted to say to people. I just…like if you’re smart…

Siri: I’m having trouble hearing you.

David: Siri.

Melina: Siri, shh.

David: Siri.

Melina: I think it’s my watch.

David: Yeah.

Melina: I don’t know why.

David: But I just had this overwhelming feeling that like people are…I don’t want people to walk away without understanding that…like how much they don’t know and how much of an opportunity is really at the club. Because even being the son of a couple, you know, rock star real-estate investors, I didn’t really fully get the opportunity that was right in front of my face.

Melina: Right, exactly. That’s exactly right. Like you basically knew that there was somebody in foreclosure who needed help and we…that’s what we do. And so now you can see what was actually put together. And you really didn’t have any idea, right?

David: No, I really didn’t. I really didn’t at the time when, you know…which is weird. It’s just been like the time from…I mean, if you’d just taken like 10 or 15 years of here…of like…just hearing conversations from you guys and, you know, being a fly on the wall in the background.

Melina: Even being annoyed, I’m sure.

David: Yeah. Actually annoyed and not ever getting any real like training because like as your kids, like we didn’t get the training. It was just the matter of being a fly on the wall and hearing all the things. So it wasn’t until 2016 that I actually sat down in an RPP and listened to the whole…to how everything works so…

Melina: And then you had the realization that, “Wow, I actually did…we did create a deal out of that property in Idaho.”

David: That was…this is actually a really nice deal.

Melina: Absolutely it is. And we did that in…that was in 2014, right, the beginning of 2014 because…or 2013 maybe. Maybe the end of 2013 and that’s when we created that opportunity and we still own that property today. And so we now realize that…you now realize that, “Wow. That was a really great deal that we did.” Because we were in a position to be able to step in and solve the problems that the seller had and create a win-win situation. That’s how deals are not found. They are created. That’s exactly right.

David: I mean, nobody would have the thought process of being able to get into a house with like very little to no money down. You know, so…but if I look back on the whole…on everything and if I just kinda pinpoint little details, it’s like I didn’t know anything. My friend’s mom was able to get the help she needed. We were able to get into this house, build equity ourselves, and then not only that but then it turned into a rental. Now when we had to leave, it turns into a rental. And because the market is what it is there, we were able to cash flow a lot more than we normally would. It’s just the opportunity was…you know, it’s just the crazy opportunity you have from a small amount of knowledge. All I had to do was just reach out to you.

Melina: Exactly.

David: And it’s no different for people who come to the club.

Christian: “Hi, this is Christian Rios. As many of you know, I’ve been a member of New Wealth Advisors Club for over 7 years and got started when I was 17 years old with absolutely no real-estate experience. One of the biggest lessons I have learned from being in the industry is the need for authentic relationships. If you’re looking for an actual team locally in Southern California with all the resources needed to close deals, register for one of our free workshops by visiting www.joinnwac.com. Thanks for listening to the ‘Flipping Off’ Podcast.”

David: It’s no different for people who come to the club.

Melina: That’s exactly right. It’s a funny thing when you think about the opportunity that being with folks that are always looking at opportunities, you know, and that’s what I’ve taught you how to do is to just spot opportunities. And that’s what I teach, you know, all of our club members to do is to just wake up like from sleepwalking. You know, I teach people how to drive for dollars, how to look for very specific things. And when you realize that, you know, you wake up from sleepwalking and now you’re noticing everything around you, you don’t need to have all of the answers, right. You just need to know there’s…this is an opportunity and can we do something with it? And I was thinking about that. I’ve had a few referrals, a few deals that way where people…I just let them know what it is that I do and then I get referrals and I’ve had…it’s these exact words, you know. So I don’t know if you can help these people. I don’t even know if this is exactly what you do but they’re in trouble with their home, you know. And that’s all that people really understand and then it’s like, “Yeah. Let me see if I can make something happen. Let me see if I can create an opportunity there.” And that’s really what we do.

David: Yeah.

Melina: And the idea behind the club I think and what you said to me this morning was people don’t realize that the club like educates you and opens up your eyes to so many opportunities that sometimes are with real-estate and sometimes are not with real-estate.

David: Not, yes.

Melina: Right?

David: It could be anything.

Melina: Yeah, yeah. And I think that’s really the power of the club.

David: Yeah. Totally. I just…I don’t know if there’s a good enough way that we could ever help. It’s like your kids when, you know…as an adult when you have kids and you want your kids to learn from your mistakes and it’s so difficult to try to find the way to tell them so they can understand without really understanding. So that’s the real purpose of this is to hopefully let people know…and I guess this podcast will probably be geared for people who have not been to the club yet. But you just really don’t know what you don’t know. And the truth is one RPP can literally change your mindset and open up doors and opportunities that literally would’ve never been there just from the knowledge and being able to pick something…pick an opportunity out that wouldn’t have normally been there. Like the guy, Efrain, I’m sure Efrain will probably hear this. You know, Efrain had been chasing real-estate for a little while and…

Melina: Several years.

David: Yeah. And wasn’t able to get anything done until the opportunity arose at just a church, right. Somebody he knew had an issue and he was able to find one of our club members to get the deal done. It’s just…like how do you even put a price tag on that? That’s priceless. It’s…

Melina: It is priceless. I think it totally is. Let’s talk a little bit about like the…how Ross played out. So we ended up taking that property over subject two, the existing mortgage, and it was a loan that had been in place for several years. It was a little bit of a high interest rate. It was like 6%, you know. So I could’ve got better financing on that but I really liked that I was able to take over the existing financing. And it was with a credit union and so we…I called the credit union, I hired an attorney in Idaho to, you know, prepare all the paperwork. We cleared…we got the okay if you will from the credit union for us to take it over subject two. And we did that. And then for the last five years we’ve just been, you know, paying it down, paying it down, paying it down. And now we’re to a point…

David: Fixing that, paying it down.

Melina: Yeah, and fixing it, yeah. Yeah. And just really stewarding the opportunity that that property provided for us. And, you know, it’s one of those where, you know, you…I think a really important thing for people to understand is, you know, are we looking for a deal or are we looking to build a business?

David: Yeah. So this is literally the exact deal to talk about that.

Melina: Absolutely it is.

David: Because there’s no instant gratification. There’s no…

Melina: No, there wasn’t a deal…yeah, we didn’t get paid right away.

David: The only real instant gratification was the fact that we had a place to move into that we were gonna be able to, you know, move into this place and, you know, build a little home.

Melina: Right.

David: But the money hasn’t showed up for like five or six years.

Melina: Yeah, yeah, yeah.

David: I mean, right? I mean, how long did we live there?

Melina: Absolutely. Yeah, yeah, yeah, exactly. I mean, it was a mortgage payment that you guys could afford. You could take care of it yourself. And for me personally, when I would come to visit, I had…I could stay there and be with you guys and that was really important. Dad and I always, you know, loved being there. So it did create a little bit…it impacted our lifestyle, you know, our opportunity to be together. But ultimately, that is what building a business in real-estate looks like is that you don’t get paid right away. You know, and I wanna challenge people to think about building a business and not just making a deal. When I feel like lots of people go out to seminars and they go to seminar to seminar and they get really hyped up at the idea of making lots of money in real-estate investing and that is a possibility but that isn’t sustaining. You know, it’s not sustainable. What you really wanna do is be able to build an actual business which, you know, if I look back at my life, where we were 10 years ago and where we are today, what we’ve been able to build in 10 years is nothing short of a miracle, you know, because we were facing bankruptcy. So how did we, you know, build a business? Well, it was just by, you know, consistent efforts done over, you know, over and over and over again and just staying in and believing that I have no other way. Like I’m either gonna go work a job or I’m gonna build a business and I choose to build a business. And if along the way I have to sacrifice a few things, I will do that in order to have a real business and an opportunity to pass something down to my whole family. And most importantly, I believe the thing that we…that I passed down is a way of thinking, a way of approaching life.

David: That’s the main…

Melina: A way of approaching business, you know. We have this conversation. Your daughter, you know, she’s 5 and going on 25 but she…you know, sitting on stage with me, you know, she sits on stage now. And she really loves it and she said she’s ready to take over my job so…

David: I don’t think she’s kidding.

Melina: I’m sure she’s not kidding. I’m absolutely confident in that so…but she’s already thinking in terms of problem-solving and, you know, putting people ahead of a dollar and what that actually looks like which is really, really cool. And I want everybody that comes into our presence to have that same opportunity with their family, to create a real legacy, to create something that you can pass down generation to generation, a way of being and a way of thinking.

David: That’s the…it’s so true because what I’ve realized over, you know, the time we spent away from each other, I realized that all of the things I learned as a kid, they started to come into play obviously as an adult. My peers, when they look at me, they know or they can…and I’ve heard this from many of my friends and peers but like I’ve always had that money making gene. I’ve always been able to spot opportunities when other people were around me struggling to make things happen. I was always able to…like I was always able to find a job, I was always able to, you know, to do this or do that. And I totally give all the credit to what I…you know, the way I was brought up and the opportunities I was taught how to see and just the way I was taught how to think. And so that’s…when I…I guess for me this podcast was really about like kind of almost comparing myself to the general population of people that come into our club and like what…can people have the same…like will people be able to have the same success that like let’s say myself, the son would be able to…you know, and the truth is it’s…I have no advantages. I actually don’t have any advantages. I’m sure it’s…I have some advantages because I can pick her ear whenever. But the truth is, I’m not getting anything different than these guys. Like everybody…you all get the same information. Like I should have…there’s no reason that I should have more success than any of you. You know, the truth is that I’m out picking up the same opportunities. I’m helping people get to the same place. So if everybody thinks that same way and everybody is looking for opportunities and looking for an opportunity to build a business rather than look for a deal, it’s the same question every single freaking intro. How money…what’s the percentage of people that get into their first deal? Like…

Melina: How long does it take before people can become a full time real-estate investor?

David: Or get…yeah, exactly or…

Melina: Yeah, what’s the, you know, what’s the statistic of people that actually have success? And it’s like I could make up statistics, right. I could give you statistics but, you know, creating statistics is nothing more than manipulating words or numbers.

David: Yeah, numbers, yeah.

Melina: You know, and I don’t wanna manipulate numbers. I don’t wanna tell people the truth. I am like, “Listen, we’ve had people, you know, get a deal their first weekend.” Efrain’s actually a really good example. I was just thinking about that. You know, that guy…you know, we met him before he ever came to RPP and he’d been to the club several years ago and then just wasn’t able to join in and so…but he’s been just struggling and struggling and struggling and then he found an opportunity. He got in contact with one of our club members and we paid him a $10,000 wholesale fee, right.

David: He didn’t even go to an RPP. He just knew of the…man.

Melina: Exactly.

David: You’re killing me.

Melina: That’s the point. That is the point. So…

David: Like what’s the…what does really success even mean? Like what is a…let’s say you come to an RPP or you don’t even come to an RPP. Let’s say an idea pops into your head and then you…because of that idea, you get a little bit of knowledge and then with that knowledge you see an opportunity and then you make 10 grand just because of something that, you know…like that’s the real thing the club gives you is like a whole other perspective, a whole other…just an entire different world of opportunity that you would not have before.

Melina: Absolutely. That’s exactly right.

David: Like I’ve had multiple conversations with my trainer and my pastor about what we do and he just came to the show. Like I’ve…we’ve been training for months. I’ve been having little tidbits of conversations here and there about what we do and he literally…you know, yesterday he comes by and he’s like, “Dude. I get it now. I get it.” I was like, “Man, it’s hard and, you know, it’s hard to really wrap your head around.” And he still doesn’t even get it.

Melina: I was gonna say he thinks he gets it.

David: He thinks he understands it. He just like kinda caught on to the concept finally because it just seems so far out.

Melina: It does seem so far out. I couldn’t be more proud of where the club is and what it provides and what it does. I know that it has the ability to change people’s lives. Unequivocally I know that. But it’s just a question of whether or not, you know, people have the fortitude to do the things that are necessary to have success that they wanna have in their lives. That’s all it’s…

David: It’s actually more about how much success do you wanna have and like how hard are you gonna go because I don’t even…there’s not a single person that can convince me that they can’t do it or that they wouldn’t be able to. Literally, you just have to not quit. You just have to not quit, keep doing the same things you’re doing, and the opportunities will come. And it’s all…really has a lot to do with what your perspective is about where you’re supposed to be. If you’re getting your ideas from like Grant Cardone and from these guys who are flying jets around and you think that that’s what a real-estate investor is…that’s just a bunch of malarkey. It’s a bunch of BS. It’s not what it really is.

Melina: No, it’s…no, I mean, not that there’s anything wrong with what he does, Grant Cardone is like awesome.

David: He’s a stud but it’s not realistic I think for people to think that…like unless they’re driving a fancy car like that or unless they’re flying around in a private jet or unless they’re wearing suits all the time that they’re not a real-estate investor.

Melina: Absolutely true.

David: The truth is like if you go…if you put it in perspective, you go work a job…like just go work a normal job. How long does it take you to make like 40 grand? Let’s say 40 grand. I mean, it takes a lot of people the year to make that.

Melina: Absolutely. Absolutely. I just had this conversation with somebody who was like, “So I made, you know…” I said, “How much money did you make in your real-estate business last year?” “Twenty-five thousand. Like that’s not very good.” And I was like, “Really?”

David: And that’s a failure to them.

Melina: Yeah, like that’s a failure. And I was like, “I don’t see why 20…what would you have…

David: How much time did it take you to do that?

Melina: Exactly, yeah. On your own terms, whenever you want. Show up whenever you want, work whenever you want.

David: And if you actually put it into real numbers, what was the amount of time you spent to make 25 grand on that deal? Maybe a total of like 20 hours, probably spread out across 3 months.

Melina: Yeah, exactly.

David: You know, and then you made 25 grand but that’s a fail. Like it’s…

Melina: It’s not a fail.

David: It’s not. Like if you think about what it really takes to make that.

Melina: Absolutely.

David: It’s insanity.

Melina: That’s exactly right. So I think, you know, for me…I’m glad you wanted to have this conversation today because I think a lot of people do lose perspective of what they’re getting themselves into when they decide they wanna be an entrepreneur and they want to run their own business and they want to be a real-estate investor. And I think people wanna be real-estate investors for different reasons. Maybe because they watch the shows and they wanna take something ugly and make it pretty which…

David: I think for the most…for most people it’s that they wanna have control of their own time. It’s that they don’t wanna punch a clock and they don’t wanna have to show up somewhere when somebody is telling them to. And then they will….you’ll realize really quick it’s actually a lot easier to just punch a clock and you don’t have to worry about it and it’s freaking exhausting to try to do this. And so for all of you like listening to these podcasts, you hear so much mindset stuff. And the truth is if you can’t keep your mind right, you will fail. In this business you don’t get to…

Melina: Because you’ll quit.

David: Yeah, you’ll just quit. You don’t get to be like this unless you do all the same things. So if you think, you know, the mindset stuff is a bunch of mumbo-jumbo, it’s…you couldn’t be more wrong. It’s actually 75% of the battle. The actual work is pretty easy. It’s about…

Melina: Very simple.

David: Yeah. The work is so easy.

Melina: Simple steps.

David: Staying in and, you know, being consistent.

Melina: That’s why I always say this business is really simple but it’s not easy. If it were easy, everybody would do it.

David: That’s so true.

Melina: But more people quit than stay in. That’s why the opportunity exists though. And it’s always been that way and I don’t think it’s ever gonna change, you know. My goal is to keep more people in and more people focused on the opportunity that’s at hand, right, and I am so clear that the next five years the opportunity is going to be bigger than we’ve ever seen. So I think we’re gonna have more money coming through our hands and into our space than we’ve ever experienced. And so I do wanna be really clear and careful with what that looks like. Right?

David: A 100% agree. Yeah, we’re in the middle of multiple transactions right now and I’m just trying to keep the same mindset throughout all of it because I know the money’s gonna come soon and I just want to make sure that we stay consistent and…

Melina: Steward it.

David: Hungry and steward it. Absolutely.

Melina: All right. Well, is there any other things you…any other brilliant pieces of wisdom you wanna impose or impart to people here, son?

David: No. no. I think I’m all used up today.

Melina: Do you think…

David: I’ve given enough.

Melina: Did you…given it…all right, well, this is Melina and David. We are “Flipping Off”.

David: Bye now.

Melina: Bye now.

I’m Melina Boswell, your host of the “Flippin’ Off” Podcast. I really hope you enjoyed it. If you did, we’d love for you to subscribe, give us a five star rating, and tell your friends all about us. You can find more episodes of the “Flippin’ Off” podcast on Apple Podcasts, Spotify, Google Podcast, Stitcher or wherever else you like to listen to awesome podcasts like this. If you like what you’ve heard, we’d really appreciate it if you’d follow us on Facebook and Instagram and tell us the stories that you’d like to hear.

Tim Jackson is our senior producer. Luke Jackson is our editor. Brothers. Josh Mauldin is our producer. Sound design by Frequency Factory. Our executive producer is Mind & Mill. This was all created by Dave Boswell for New Wealth Advisors Club.