บทถอดความฉบับเต็มของ TK Pryor | Master Wealth Builders LLC. | Veterans Growing America

for young guys like me. 00:02:10.479 --> 00:02:11.120 I love it. 00:02:11.280 --> 00:02:11.759 I love it. 00:02:11.840 --> 00:02:13.039 So let me ask you a question. 00:02:13.199 --> 00:02:17.039 How did your time in the military influence your journey into entrepreneurship? 00:02:17.360 --> 00:02:26.879 Yes, I believe it's really about the military structure, especially when you talk about leadership and when you talk about a proven track record of continuous leadership. 00:02:27.039 --> 00:02:31.120 You know, the military has a perfect structure in terms of train the trainer. 00:02:31.439 --> 00:02:49.120 So if you go into entrepreneurship with that same mindset, you're looking at a way to create a franchise duplicatable system where you can basically set something up, manage it, and be able to not necessarily be as hands-on, you know, when they say you're married to the business. 00:02:49.280 --> 00:02:53.360 You know, you you really want to create a system where you can manage your business. 00:02:53.439 --> 00:02:59.199 And I learned that when I was on active duty because as a trainer, you know, you have a whole squad. 00:02:59.280 --> 00:03:06.159 I was active duty doing like honor guard, where I had a team of people where you can't make mistakes. 00:03:06.400 --> 00:03:13.840 So your regiment, your training, your soldiers that are underneath you, you just get a lot of experience leading. 00:03:14.080 --> 00:03:15.919 Of course, that carries over into entrepreneurship. 00:03:16.240 --> 00:03:21.680 Now let's let's talk about, you know, entrepreneurship is one of those things. 00:03:21.759 --> 00:03:23.439 It's not for the faint of heart, right? 00:03:23.680 --> 00:03:24.000 Yes. 00:03:24.639 --> 00:03:27.599 It's something that, you know, you have to be inspired to do. 00:03:27.759 --> 00:03:30.400 So what inspired you to start your own business? 00:03:30.560 --> 00:03:32.800 Why, why business instead of just getting a job? 00:03:33.120 --> 00:03:34.319 Yes, that's a perfect question. 00:03:34.400 --> 00:03:36.800 I love that because honestly, I did both. 00:03:37.039 --> 00:03:42.639 I came out of the military, went straight into government contracting, went into corporate America. 00:03:42.800 --> 00:03:46.319 I did do the job, I spent 20 plus years in IT. 00:03:46.479 --> 00:03:52.080 And of course, with COVID and the turndow of the economy, I ended up in a situation where I reached the plateau. 00:03:52.319 --> 00:03:54.639 My last job was with Deloitte as a contractor. 00:03:54.800 --> 00:03:56.479 I was at like 75 an hour. 00:03:56.639 --> 00:04:01.360 And when the transition happened in the economy, other companies were like, we're not going to pay you that. 00:04:01.520 --> 00:04:03.759 You got 20 plus years of experience. 00:04:04.000 --> 00:04:09.360 So, you know, my choice is to take a lesser paying job or pave my own path. 00:04:09.520 --> 00:04:10.479 So that's what I chose to do. 00:04:10.560 --> 00:04:16.319 I chose to pave my own path, transition all of my experience into, of course, opening up my own company. 00:04:16.560 --> 00:04:18.319 That was the perfect segue. 00:04:18.480 --> 00:04:20.000 Let's talk about the business. 00:04:20.800 --> 00:04:22.800 Master Wealth Builders LLC. 00:04:22.879 --> 00:04:25.040 What is it and what's your unique proposition? 00:04:25.279 --> 00:04:26.800 Yes, that's an excellent question. 00:04:26.959 --> 00:04:29.839 So, master your wealth is the concept. 00:04:30.000 --> 00:04:35.120 We really just want to give you financial literacy through various tools. 00:04:35.360 --> 00:04:40.240 The tools are what the elite and the people who have it together are already using. 00:04:40.399 --> 00:04:46.480 So instead of reinventing the path, we just reintroduce you to something you probably haven't been trained on. 00:04:46.639 --> 00:04:47.680 That was my concept. 00:04:47.839 --> 00:04:56.079 My concept was to be an educator first, but provide resources that really have a hundred-year track record. 00:04:56.240 --> 00:05:01.279 We only deal with triple-A-rated companies, we only deal with pre-established methodologies. 00:05:01.519 --> 00:05:06.639 So it's just taking the principles and the strategies of the super rich and applying it to everyday people. 00:05:06.879 --> 00:05:07.839 No, I love that. 00:05:08.000 --> 00:05:10.639 I think, okay, I said I wasn't gonna cook. 00:05:11.600 --> 00:05:12.319 I knew this was coming. 00:05:12.399 --> 00:05:13.519 I knew it was coming. 00:05:13.839 --> 00:05:16.560 I love the concept of educating first. 00:05:16.720 --> 00:05:24.879 The one thing about financial services, um and finance in general and economics is that it is like just an evergreen process, right? 00:05:24.959 --> 00:05:35.600 Um, if you go back and read like The Richest Man in Babylon, where they talk about trading rocks for goats, like it is all the same concept: the investing, spending, saving, it's all the same concept. 00:05:35.759 --> 00:05:43.120 To include, I think insurance is a little younger than those other concepts, but even assurance is thousands of years old. 00:05:43.279 --> 00:05:48.800 So I love that you bring that to the forefront into our people and allow them to be educated in those things. 00:05:48.879 --> 00:05:50.079 I appreciate that. 00:05:50.480 --> 00:05:51.120 Yeah, definitely. 00:05:51.199 --> 00:05:52.480 I lead with education. 00:05:52.639 --> 00:05:55.360 We do a lot of pop-ups, job fairs. 00:05:55.519 --> 00:06:01.040 We have Eventbrite where we do classes, invite other people, other subject matter experts. 00:06:01.199 --> 00:06:04.000 And the idea is to just give you resources. 00:06:04.240 --> 00:06:10.240 Um, you know, I collaborate a lot with a lot of other businesses where I do what's called strategic partnership. 00:06:10.319 --> 00:06:16.959 And the idea is if this subject matter expert can help you and it's a lane that adds to your life, we want you to know about it. 00:06:17.360 -->

00:06:31.120 That was the one thing when I became a CFP, it was very crucial to understand about financial services is that when you talk about finance and economics, specifically in personal finance and wealth building, that there are so many avenues. 00:06:31.199 --> 00:06:33.680 You have assurance, you have estate planning, you have investing. 00:06:33.920 --> 00:06:39.040 You don't, like CFPs, we were like uh, you know, jack of all trade, master or none. 00:06:39.120 --> 00:06:54.959 We understand all of the concepts, but the biggest part of the concept is really key in and focusing on one area that you can master and then build strategic partnerships with folks who've mastered the other piece, and that way you provide the client with the best services. 00:06:55.199 --> 00:07:03.839 So, I mean, that was a great point in really building strategic, strategic partnerships because honestly, like no one man can master all of those things. 00:07:04.000 --> 00:07:12.879 The coach is kind of close, but but definitely no one man can really be a subject matter expert at all those things, and it takes a community to teach. 00:07:13.199 --> 00:07:14.399 That's that's that's true. 00:07:14.639 --> 00:07:19.199 Yeah, I think that's the uh uh ancient way, the community coming together, right? 00:07:19.360 --> 00:07:21.759 And filling in the holes, whatever those holes are. 00:07:21.920 --> 00:07:26.560 So literally literally, when you talk about strategic partnership, that's essentially what we try to do. 00:07:26.639 --> 00:07:30.399 Uh it's just filling the holes, and then of course, the exposure, right? 00:07:30.480 --> 00:07:30.879 Come on. 00:07:30.959 --> 00:07:34.480 If you if you want to talk about the world of finance, nine times out of ten is the exposure. 00:07:34.720 --> 00:07:35.759 Oh, I didn't know about that. 00:07:36.000 --> 00:07:42.800 So if I can kind of bring some light, then I hope all it is is a seed that you, of course, grow upon. 00:07:42.959 --> 00:07:44.319 You start to do your own studying. 00:07:44.399 --> 00:07:50.079 Because no matter what lane you talk about, the onus is always on the investor to read the perspectives, right? 00:07:50.319 --> 00:07:54.000 So let me just plant the seed and get you started in the right direction. 00:07:54.240 --> 00:07:54.800 Absolutely. 00:07:54.879 --> 00:07:59.040 I think that it's critical because we are not taught these things in school. 00:07:59.199 --> 00:08:11.600 And that's why um I feel like even in watching a lot of financial professionals over Tom, anything that they introduce, they're just reintroducing it, spinning it in a different way. 00:08:11.759 --> 00:08:14.560 It's not, you just haven't been taught it. 00:08:14.720 --> 00:08:20.160 So just putting it on the forefront of people and just saying, hey, let me show you some concepts. 00:08:20.319 --> 00:08:27.439 I can guarantee if they research them, it might be called something else, but it's probably, if not decades old, hundreds of years old. 00:08:27.680 --> 00:08:28.079 Oh, yeah. 00:08:28.160 --> 00:08:30.560 You know, they the old saying is there's nothing new under the sun. 00:08:30.959 --> 00:08:36.159 But introducing those tools, and that's what I always try to lead with. 00:08:36.240 --> 00:08:38.320 It's like, what tools are you currently using? 00:08:38.480 --> 00:08:41.919 How are they helping you to advance your long-term goals? 00:08:42.159 --> 00:08:43.679 That's really my focus. 00:08:43.840 --> 00:08:49.120 And if there's some tools that you haven't touched upon yet, let's see if they can complement your life. 00:08:49.679 --> 00:08:53.600 So one thing that I love that you guys keep saying, right, is tools, right? 00:08:53.919 --> 00:09:00.480 When you're talking about finances, number one, you got to know, you know, what's the goal of the individual that you're working with. 00:09:00.639 --> 00:09:04.639 And then you utilize those tools in order to be able to help them get there. 00:09:04.879 --> 00:09:10.799 And so what's one tool that you didn't know about that you wish everybody knew about? 00:09:11.120 --> 00:09:12.240 Wow, I love that question. 00:09:13.120 --> 00:09:22.240 So the number one tool for me is what I would consider self-directed IRAs or off-market participation. 00:09:22.399 --> 00:09:28.639 Because if you talk about the common things within the world of finance, most people know about the stock market. 00:09:28.960 --> 00:09:39.679 But the average person is not really taught about off-market participation because you have to be licensed, according to the IRS, in annuities to even talk about it. 00:09:40.000 --> 00:09:46.879 So once I became a licensed professional, really wish, especially like when I was in the military, I had a guaranteed check. 00:09:46.960 --> 00:09:54.159 You know, I wish I knew about off-market participation in these smart contracts. 00:09:54.320 --> 00:09:57.600 That's just something that I never really knew until I became a licensed professional. 00:09:57.919 --> 00:10:03.759 So when you say, so educate me like I'm a 12-year-old, what does off-market participation mean? 00:10:04.080 --> 00:10:13.600 So essentially, if you want to compare two Apples and Apples, you have the traditional stock market where your account goes up and down with the market fluctuation. 00:10:13.840 --> 00:10:20.000 So an off-market participation would be in what's called a fixed indexed annuity. 00:10:20.159 --> 00:10:21.679 So those are three different components. 00:10:21.840 --> 00:10:33.679 Just a contract that you sign with an insurance company where they give you a compound interest rate over a fixed amount of time, and it's paired or pegged to an annuity type index. 00:10:33.840 --> 00:10:41.840 So it could be the SP 500, it could be BlackRock, but what happens is you get some of the upside potential, none of the downside risk. 00:10:42.080 --> 00:10:45.440 So think about the SP 500 going to 34 points. 00:10:45.600 -->

00:10:48.879 Your contract might be 22 points. 00:10:49.039 --> 00:10:50.720 So they'll make the spread. 00:10:51.039 --> 00:10:56.240 But the trade-off of you not making the full amount is never having to lose a dime of your money. 00:10:56.399 --> 00:10:58.480 It comes with what's called principal protection. 00:10:58.639 --> 00:11:01.360 So you never ever have to worry about loss. 00:11:01.600 --> 00:11:04.320 So in true diversity, right? 00:11:04.559 --> 00:11:06.480 We always teach the rule of 100. 00:11:06.639 --> 00:11:16.080 Subtract your age from 100, take the lower amount, and put that in principle protected accounts so that it hedges what you have in market loss. 00:11:16.240 --> 00:11:17.039 So think about me. 00:11:17.120 --> 00:11:18.000 I'm 50 years old. 00:11:18.159 --> 00:11:24.960 If I subtract 50 from 100, 50% of my portfolio should be in principal protected accounts that never lose a dime. 00:11:25.120 --> 00:11:29.919 And that way, whatever I have on the stock market that's doing this, it should hedge. 00:11:30.080 --> 00:11:31.200 And so hedge means what? 00:11:31.360 --> 00:11:35.039 Hedge is just a way to balance your losses with your wins. 00:11:35.200 --> 00:11:36.480 So think about Vegas. 00:11:36.720 --> 00:11:47.200 If you have principal protected accounts that don't lose a dime, and then you have stock market accounts that could go up but could go way into the negative, you want one to offset the other. 00:11:47.440 --> 00:11:51.519 So the rule of 100 basically says the younger you are, the more you have at risk. 00:11:51.679 --> 00:11:55.759 The older you are, the more you have in principle protected accounts that never lose a dime. 00:11:56.000 --> 00:12:03.200 But your accounts basically go like this it goes up, and then if the if the stock market goes down, it just stays flat. 00:12:03.279 --> 00:12:06.879 And then if it goes up again, it goes up with it, but it doesn't lose. 00:12:07.200 --> 00:12:07.679 Exactly. 00:12:07.759 --> 00:12:09.120 That's a perfect example. 00:12:09.360 --> 00:12:10.159 That's the chart. 00:12:10.320 --> 00:12:13.840 If you look at a chart, that's what the chart looks like in analytics. 00:12:14.240 --> 00:12:17.440 It's essentially what they call a 0% floor. 00:12:17.600 --> 00:12:21.279 Or if you want to pay a fee, you can pay for a 1% floor. 00:12:21.440 --> 00:12:25.600 But that is the guarantee that you sign on day one when you open the contract. 00:12:26.480 --> 00:12:29.279 I'm glad that you just validated what I know about money. 00:12:29.360 --> 00:12:30.080 You know what I mean? 00:12:30.320 --> 00:12:31.600 I appreciate that. 00:12:31.840 --> 00:12:32.399 I love it. 00:12:32.559 --> 00:12:32.960 I love it. 00:12:33.039 --> 00:12:35.039 I'm glad he he taught that piece there too. 00:12:35.120 --> 00:12:38.720 I think risk aversion is one of those bigger things that people should understand. 00:12:38.799 --> 00:12:42.080 Like the older you are, you should be taking less risk

with your money. 00:12:42.159 --> 00:12:43.440 That's it is what it is. 00:12:43.679 --> 00:12:50.559 There are a number of financial tools that allow you to do that, but more so, a lot of people aren't educated on all those tools. 00:12:50.720 --> 00:12:56.159 So the ones that I see the most, and people ask me all the time is, hey, can I just put this in the CD? 00:12:56.240 --> 00:13:02.559 And I'm like, you can, but let me show you a few other options outside of going to the bank. 00:13:02.799 --> 00:13:03.440 I love that. 00:13:03.600 --> 00:13:10.320 Because honestly, if you talk about the general context, people know CD is one of those general concepts. 00:13:10.559 --> 00:13:15.279 But definitely the safety of principal, the less risks, but there's better vehicles. 00:13:15.360 --> 00:13:23.279 A fixed index annuity is a higher compound interest rate, but has the same concept as a CD because you never have to worry about loss. 00:13:23.519 --> 00:13:25.200 I'm just going to tell the crowd this. 00:13:26.080 --> 00:13:27.919 Y'all need to talk to these gentlemen offline. 00:13:28.639 --> 00:13:29.600 I'm just saying. 00:13:29.840 --> 00:13:36.879 I'm just saying because if you can make your money work for you while you sleep, you need to talk to one of these gentlemen. 00:13:37.039 --> 00:13:38.639 So let's transition a little bit. 00:13:38.879 --> 00:13:40.320 Let's talk about transition. 00:13:40.480 --> 00:13:48.080 I want to really talk about transition and, you know, not from the military into the business world, but transitioning into the business world. 00:13:48.159 --> 00:13:53.519 And, you know, what are some of the ups and downs that you dealt with being an entrepreneur? 00:13:53.679 --> 00:14:06.799 You know, people see the nice pretty posts that people make on uh social media about, you know, how you can make all this money in entrepreneurship, but they don't understand that it's it may be flat for a little while before it goes up and it may go down a little bit. 00:14:06.879 --> 00:14:08.320 So let's talk about some of those with you. 00:14:08.559 --> 00:14:09.279 Oh, yeah, definitely. 00:14:09.360 --> 00:14:16.799 That's a perfect question because the entrepreneur journey, as you already pointed out, is not for the fainted heart, right? 00:14:16.879 --> 00:14:23.440 The the challenge that separates job is self-initiating your drive. 00:14:23.600 --> 00:14:25.840 There's always going to be those challenging moments. 00:14:25.919 --> 00:14:27.360 There's going to be those down moments. 00:14:27.440 --> 00:14:30.639 There's going to be those, how do I get new customer moments, right? 00:14:30.879 --> 00:14:40.000 So your thought process, your path forward has to be in that self-motivation because sometimes you're the one creating the SOP. 00:14:40.080 --> 00:14:43.279 You know, sometimes you're the one creating the franchise blueprint. 00:14:43.440 --> 00:14:49.440 And the end go, or I should say the why, has to be what gets you

through those down moments. 00:14:49.600 --> 00:14:52.960 You know, everything in in life runs in a cycle. 00:14:53.200 --> 00:15:01.519 So when you have those challenging moments in entrepreneurship, it has to be your why that sort of gets you through it. 00:15:01.919 --> 00:15:06.799 Because not all of it on this side of the house is, you know, paved, I should say. 00:15:06.960 --> 00:15:09.519 And I think that's the reason why a lot of people don't become entrepreneurs. 00:15:09.840 --> 00:15:11.759 The fear of what's not paved. 00:15:12.080 --> 00:15:13.039 You know what I mean? 00:15:14.799 --> 00:15:18.559 I see just by watching you, TK, that you're very consistent. 00:15:18.639 --> 00:15:24.240 Um, you're always putting yourself out there, whether that's online or in person events. 00:15:24.480 --> 00:15:27.440 What do you use to stay consistent? 00:15:27.919 --> 00:15:37.039 Because there's a lot of people that I've seen that pop up at VG8, they'll pop up very inconsistently and they wonder why their business is barreling. 00:15:37.919 --> 00:15:38.240 Okay. 00:15:38.480 --> 00:15:44.240 And they're they're looking for all of the high points when they're not there when customers need them. 00:15:44.559 --> 00:15:52.480 Yes, the the consistency for me is knowing that the end goal is like when you leave with education, right? 00:15:52.639 --> 00:16:06.480 So when I post videos and I've been doing it consistently for about two and a half, almost three years now, and typically I'll do a video every day, but my thought process is let me give a new tidbit of information and hopefully so this is like a seed. 00:16:06.639 --> 00:16:10.799 Maybe the seed will fall on concrete, maybe it'll fall on that one ear. 00:16:10.960 --> 00:16:18.159 So you have to look at it in a consistent thought process of maybe this video will reach that one person. 00:16:18.320 --> 00:16:34.159 And if I've done that right, then I've done something, and your success that's measured is step by step, as opposed to getting lost in the fact that, oh my God, I I don't see what I want to see, I don't see the big picture, I don't see the big payday. 00:16:34.320 --> 00:16:36.960 You know, you pick a method, right? 00:16:37.120 --> 00:16:42.799 When you talk about franchise methods, you pick a method, you stick to it, regardless of whether or not you see the results. 00:16:42.879 --> 00:16:55.759 And I think that's what's been my guiding factor is that a video a day, a VGA every time you guys do your uh monthly meetings, you know, whatever your your routine is, you have to make it a daily process. 00:16:56.000 --> 00:16:57.919 And that's what I've done consistently. 00:16:58.240 --> 00:17:00.399 Shameless plug 54321. 00:17:00.480 --> 00:17:01.759 Y'all need to learn what that is. 00:17:01.919 --> 00:17:06.000 We'll put a link in this YouTube video so y'all can get the 54321. 00:17:06.079 --> 00:17:09.200 It's a method, it's a sales process that will keep you consistent. 00:17:09.440 --> 00:17:10.000 I love that. 00:17:10.079 --> 00:17:15.039 Yes, I was there for your I love that for your last training on uh the 54321. 00:17:15.119 --> 00:17:16.319 And I think that's the key. 00:17:16.480 --> 00:17:24.960 The key is to put that daily process in and not worry about the ups, downs, just stay focused on the step by step. 00:17:25.200 --> 00:17:26.000 That's good. 00:17:26.319 --> 00:17:27.039 That's good. 00:17:27.200 --> 00:17:28.480 Let me ask you this though. 00:17:28.640 --> 00:17:36.880 So can you share uh a key lesson that you learned in the military that now you apply to your everyday business? 00:17:37.200 --> 00:17:38.240 Yes, yes, sir. 00:17:38.480 --> 00:17:42.960 So one of the things that I appreciate about the military is the structure. 00:17:44.000 --> 00:17:53.680 So not only did I get used to that structure of 11 years of active duty, I actually apply that same structure in my entrepreneurship journey. 00:17:53.920 --> 00:18:00.559 So looking at building a system, maintaining the system, and then staying consistent with what I've built. 00:18:00.720 --> 00:18:04.319 And then I'm thinking about myself, I always go back to improvements. 00:18:04.480 --> 00:18:05.359 What can I do better? 00:18:05.519 --> 00:18:07.039 How can I present this differently? 00:18:07.200 --> 00:18:09.039 So it's also a self-evaluation. 00:18:09.200 --> 00:18:20.160 So I think the consistency and structure that the military has established over many generations is something that I've learned, carried over, and always challenged myself in my own business to do. 00:18:20.400 --> 00:18:20.960 I love that. 00:18:21.200 --> 00:18:23.680 Now, I'm stealing this question from Coach R. 00:18:23.839 --> 00:18:27.119 L, but I love to hear about people's superpower, right? 00:18:27.279 --> 00:18:32.000 Tell us a little bit about your business superpower that uh that makes you great. 00:18:32.319 --> 00:18:32.880 Oh, I love that. 00:18:33.039 --> 00:18:36.720 That was one of the key components when I used to work for Amazon. 00:18:36.799 --> 00:18:39.039 That was one of their evaluation questions. 00:18:39.200 --> 00:18:40.720 Like, what is your superpower? 00:18:40.880 --> 00:18:47.839 But yes, in my lane, I think the ability to convey literacy, right? 00:18:48.079 --> 00:19:04.480 If you think about impact or something that can literally open doors, I love in literacy and in finance that if you have the right tool and you implement it properly, it can change not only your life but future generation lives. 00:19:04.799 --> 00:19:14.880 And I'm a witness to that because the number one reason that I got involved in finance from IT was because my mother created literacy. 00:19:15.039 --> 00:19:23.440 When she passed away, she opened a trust and Met Life, called me one day and said, Hey, prove who you are, and we have a check. 00:19:23.599 --> 00:19:26.079 $5,000 a month, and it's tax-free. 00:19:26.319 --> 00:19:32.079 So that she set it up

and that she opened that door for me was life-changing. 00:19:32.240 --> 00:19:37.759 And having that type of impact on other people's lives when they finally implement these tools. 00:19:37.920 --> 00:19:41.759 Someone else opens a trust, someone else finances their trust with an annuity. 00:19:41.920 --> 00:19:44.240 Then I've duplicated what my mother did for me. 00:19:44.319 --> 00:19:47.599 And for me, I feel like I honor my mother every time I help someone do that. 00:19:47.920 --> 00:19:51.200 You brought me back because my mom, she basically did the same thing for us. 00:19:51.440 --> 00:19:55.519 And the thing that that blows my mind is she did it on a safe way income. 00:19:55.759 --> 00:19:56.160 I love it. 00:19:56.319 --> 00:19:57.359 That wasn't a lot of money. 00:19:57.440 --> 00:20:00.079 I don't know how she put us through Catholic school. 00:20:00.319 --> 00:20:05.359 Um, even when she passed away, she made sure everything was taken care of. 00:20:05.680 --> 00:20:07.359 And she got a VIP. 00:20:07.599 --> 00:20:09.119 She's in a mausoleum, right? 00:20:09.359 --> 00:20:13.119 On the top of the top layer, she was like, I'm not gonna be outside in the elements. 00:20:13.200 --> 00:20:17.359 I'm gonna be inside on the top level in this big marble thing. 00:20:17.519 --> 00:20:23.839 But she she made sure that nobody had to take care of her even after she was gone. 00:20:24.000 --> 00:20:32.079 And so, you know, that's where I I learned my financial literacy from, is from my mom and the things that she took care of on an income that big. 00:20:32.319 --> 00:20:32.880 Exactly. 00:20:33.200 --> 00:20:41.440 Knowing how to do that, having someone willing to hold your hand through that process really is what I set out to do. 00:20:41.599 --> 00:20:46.079 Because, like I say, for me, it's personal, it's only about that door opener. 00:20:46.400 --> 00:20:50.799 You know, when your parents do it for you, you feel the effects of how it changes lives. 00:20:51.279 --> 00:21:01.359 So you know the personal feeling when you finally get someone else to do the same thing and how it's even if they don't realize it, you know you're gonna do something very positive to affect the future. 00:21:01.519 --> 00:21:04.799 And I think that's one of the key factors that that keeps me going. 00:21:05.119 --> 00:21:08.880 So can you tell the audience your experience with VGA? 00:21:09.039 --> 00:21:14.480 Uh you you're there frequently, so I know you love it, but tell tell everybody why you love it. 00:21:14.720 --> 00:21:17.920 Yes, first of all, we all look for the home. 00:21:18.079 --> 00:21:23.519 You know, you get out of the military, you always had the camaraderie, the brotherhood, and you look for a home. 00:21:23.680 --> 00:21:26.640 So when I first found out about VGA, that's what I was looking for. 00:21:26.799 --> 00:21:27.920 I was looking for a home. 00:21:28.079 --> 00:21:33.920 And I love the ability to come to an organization that cares, right? 00:21:34.079 --> 00:21:45.200 You guys have the tools, you have the resources, and you guys care about us, meaning veterans, having a place to, and that's what I continuously come back. 00:21:45.359 --> 00:21:48.559 I always talk to other veterans about utilizing the same service. 00:21:48.799 --> 00:21:52.079 And it's something that a lot of us, I think, look for. 00:21:52.319 --> 00:21:59.759 We look for that same ability to fit in with people that's gone through the same things we've gone through, and on the entrepreneurship journey. 00:22:00.240 --> 00:22:04.559 Veteran Grown America is just the perfect place to experience that growth. 00:22:04.720 --> 00:22:06.240 So I love you guys for what you do. 00:22:06.400 --> 00:22:07.039 We love you too. 00:22:07.119 --> 00:22:07.680 We love you too. 00:22:07.759 --> 00:22:08.559 We appreciate it. 00:22:08.720 --> 00:22:09.519 I love it. 00:22:09.680 --> 00:22:10.400 I love it. 00:22:10.640 --> 00:22:15.279 It's just like every time I hear the, you know, uh, what do you think about VGA? 00:22:15.440 --> 00:22:18.880 Everybody's just like, like, they they tell their story. 00:22:18.960 --> 00:22:23.440 And I think someone who hasn't been there would believe that it's exaggerated. 00:22:23.599 --> 00:22:29.920 And anybody who knows me and they know I am, no kidding, like one of the best experiences I ever had. 00:22:30.000 --> 00:22:39.359 Like I like I said, is this you think about uh again, Chick-fil-A, you think about Disney, and he has created a platform for veterans just like that. 00:22:39.519 --> 00:22:40.160 And that's amazing. 00:22:40.480 --> 00:22:40.880 Exactly. 00:22:41.119 --> 00:22:41.920 And it's amazing. 00:22:42.079 --> 00:22:42.799 It's amazing. 00:22:42.960 --> 00:22:44.000 And it's something that's needed. 00:22:44.400 --> 00:22:45.279 You gotta expand. 00:22:45.519 --> 00:22:56.480 So those of y'all that are watching that want to invest into an organization that really does care about our veterans and not just about making a dollar off of our brokenness. 00:22:56.640 --> 00:22:58.720 Invest in the success of our community. 00:22:58.799 --> 00:23:00.240 We got a donate button on our page. 00:23:00.319 --> 00:23:05.839 Go to our website, veteransgrowingamerica.com, click on that donate button and be a part of something special. 00:23:06.079 --> 00:23:09.039 We haven't got to that part in the show, but I just felt like we needed to say that. 00:23:09.200 --> 00:23:09.599 I love it. 00:23:09.680 --> 00:23:10.559 It was right on time. 00:23:10.640 --> 00:23:11.519 Let's grow. 00:23:12.079 --> 00:23:12.720 Exactly. 00:23:12.799 --> 00:23:13.519 Let's grow. 00:23:13.759 --> 00:23:14.400 Let's grow. 00:23:14.640 --> 00:23:25.599 So, TK, we're gonna close out the show soon, but but before we do that, what we want to do is um give you an opportunity in the stage to have some, to give the viewers and the listeners some final words. 00:23:25.839 --> 00:23:26.799 Oh, yeah, definitely.

00:23:26.960 --> 00:23:29.839 My encouragement, I always just want to give encouragement. 00:23:30.000 --> 00:23:32.480 So I encourage you guys to self-study. 00:23:32.640 --> 00:23:36.720 If you haven't experienced a fixed index annuity, do some homework. 00:23:36.880 --> 00:23:44.160 If you haven't really looked into having a family trust, as as Donnell said, you know, it it's the perfect complement. 00:23:44.480 --> 00:23:45.759 And really that's what it should be. 00:23:45.920 --> 00:23:53.359 You should think about how do I complement my finances so that my money works harder for me than I had to work in order to get it. 00:23:53.519 --> 00:23:58.559 If you're not at the point where you're taking advantage of compound interest, you're doing it wrong. 00:23:58.880 --> 00:24:02.799 Because I'm telling you, you can go to Google, type in compound interest calculator. 00:24:02.960 --> 00:24:04.240 The math is ridiculous. 00:24:04.480 --> 00:24:10.799 I always tell people listen, if you start a baby on a compound interest account, it could pay for their whole life. 00:24:10.960 --> 00:24:13.759 Because they have 50 years of compound interest. 00:24:13.920 --> 00:24:15.359 That's just penny. 00:24:15.440 --> 00:24:17.680 I use a penny every day example. 00:24:17.839 --> 00:24:20.720 You know, a penny doubled every day is compound interest. 00:24:20.880 --> 00:24:22.640 So that's what I encourage you guys to do. 00:24:22.799 --> 00:24:24.160 Learn about compound interest. 00:24:24.240 --> 00:24:26.880 And if that's not how you're saving, I mean, come on. 00:24:27.039 --> 00:24:32.319 Inflation, the cost, you gotta start adding compound interest to your savings. 00:24:32.480 --> 00:24:35.920 The bank is compounding their money even though they're not giving it back. 00:24:36.240 --> 00:24:37.039 100%. 00:24:38.160 --> 00:24:39.440 That's so true. 00:24:39.759 --> 00:24:43.039 Let me hold your money so I can make money off of your money. 00:24:43.119 --> 00:24:44.640 We're gonna get this compound interest. 00:24:44.720 --> 00:24:50.720 They they are investing your money, not for you, for them, for you, for them holding your money. 00:24:50.960 --> 00:24:51.440 Exactly. 00:24:51.680 --> 00:24:52.960 And what rate do they give? 00:24:53.119 --> 00:24:54.160 I think the average rate. 00:24:56.799 --> 00:24:57.279 Exactly. 00:24:57.440 --> 00:24:59.200 They don't even give three percent no more. 00:24:59.359 --> 00:25:00.720 They they don't even give points. 00:25:02.319 --> 00:25:02.960 Now points. 00:25:03.599 --> 00:25:05.839 I need to be a bank of a credit card company. 00:25:06.559 --> 00:25:09.599 They give you a tenth of a penny and they don't even make pennies no more. 00:25:09.839 --> 00:25:10.240 Right. 00:25:10.559 --> 00:25:12.799 We'll give you a tenth of a penny, we'll make pennies no more. 00:25:12.880 --> 00:25:13.920 We'll see you in 10 years. 00:25:14.079 --> 00:25:14.240 Right. 00:25:16.160 --> 00:25:17.039 I would tell you this. 00:25:17.200 --> 00:25:30.559 I would tell you this though, um, because that that it really struck a nerve talking about the banks, and it's kind of one of the the uh again parts of education, but what other people also need to consider, um, and again, this is uh this is a great part. 00:25:30.720 --> 00:25:34.559 This is not financial advice, this is just education from my perspective. 00:25:34.720 --> 00:25:36.880 But you need to look at your taxes as well. 00:25:37.039 --> 00:25:40.880 I know this isn't the taxes segment, but the IRS is famous for that too. 00:25:40.960 --> 00:25:47.119 They take your money, um, they invest it, and then whatever you they owe you, they give it back to you at the end of the year. 00:25:47.279 --> 00:25:53.839 So in balancing out what you need to owe for taxes, see what you can keep and invest instead of waiting for him to give it. 00:25:54.000 --> 00:25:59.279 Wait, Uncle Sam is him, waiting for him to give it back to you with no interest attached to it. 00:25:59.519 --> 00:26:06.079 Just a little nugget there, even though this wasn't my segment, I I think they belong right there, wedged in between all of this information. 00:26:06.240 --> 00:26:11.279 So, so TK, how can people get a hold of you and um Master Wealth Builders? 00:26:11.519 --> 00:26:13.359 Yes, you can go to our website. 00:26:13.519 --> 00:26:16.319 It is literally Masterwealth BuildersLLC.com. 00:26:16.400 --> 00:26:18.960 But we structured it to be very robust. 00:26:19.039 --> 00:26:21.599 There's a lot of information there, there's a lot of drop-down menus. 00:26:21.759 --> 00:26:24.240 Everything I talked about tonight is actually on my website. 00:26:24.400 --> 00:26:26.400 So that's the easiest way to contact me. 00:26:26.480 --> 00:26:28.720 And uh my socials are all on the website too. 00:26:28.960 --> 00:26:33.759 And Donnell, how do we continue to support Veterans Growing America? 00:26:34.000 --> 00:26:34.480 You know what? 00:26:34.640 --> 00:26:41.200 Before we talk about that, I'm I'm just gonna alley hoop it back to you because they need to know about how to get in touch with Coach R.L. 00:26:41.519 --> 00:26:42.640 Tell them a little bit about you. 00:26:42.880 --> 00:26:43.200 Definitely. 00:26:43.279 --> 00:26:58.480 So in this segment, I definitely don't want to steal anybody's uh thunder that we're putting on the platform, but also full financial services, including those taxes we talked about, credit repair, anything you want, go to yourmoneygoat.com and I will show you the way. 00:26:58.559 --> 00:27:00.880 Whatever you whatever you need, we'll be able to take care of. 00:27:01.039 --> 00:27:07.200 What I do want to put on the platform is this is the holiday time, um, and this is going to come out before the holidays. 00:27:07.279 --> 00:27:09.359 So hopefully you watch it before the holidays. 00:27:09.599 --> 00:27:11.440 But we are doing an event. 00:27:11.519 --> 00:27:14.079 Um, you can go to your moneygoat.com/slash events. 00:27:14.319 --> 00:27:15.279 It's a virtual event. 00:27:15.359 --> 00:27:17.920 We're doing a Kanza financial reset. 00:27:18.160 --> 00:27:28.079 So for every single day of Kwanza, all seven days, we'll be hosting a workshop where we will give you information paired with some of the principles of Kwanzaa. 00:27:28.160 --> 00:27:33.279 Um, and right into the new year, we're gonna set you up with a new money mindset using those Kwanzaa principles. 00:27:33.359 --> 00:27:37.599 So yourMoneygoat.com slash events, make sure you register today. 00:27:37.759 --> 00:27:38.640 Back to you, Donnell. 00:27:38.880 --> 00:27:42.480 Okay, so how could they learn more about VGA? 00:27:42.559 --> 00:27:44.160 So here's what I need y'all to do. 00:27:44.319 --> 00:27:50.799 So we built this platform because there are veterans that are out here that are doing amazing things. 00:27:50.960 --> 00:27:55.680 And people say thank you for your service all the time, but unfortunately we can't eat that, right? 00:27:55.920 --> 00:28:01.359 And on Veterans Day, we love to go eat, but after Veterans Day, people want to support. 00:28:01.440 --> 00:28:02.559 And so this is how you support. 00:28:02.640 --> 00:28:11.680 You go to veteransgrowingamerica.com, you click on that directory, and you'll find both of these gentlemen on that directory and many other services that are out there. 00:28:11.839 --> 00:28:13.839 And why is that important, right? 00:28:14.079 --> 00:28:19.680 You can choose any company that you want, but if you choose a veteran company, we have your back. 00:28:19.839 --> 00:28:21.519 We have your best interests at heart. 00:28:21.680 --> 00:28:29.359 Our goal is to make sure that we take care of those that are our customers and make sure that you get the best and quality service that are out there. 00:28:29.519 --> 00:28:34.400 And I trust that the members of VGA that are a part of that directory will take care of you. 00:28:34.640 --> 00:28:36.960 Also, y'all need to come out to our store. 00:28:37.119 --> 00:28:38.720 We just moved location. 00:28:38.880 --> 00:28:44.400 We're one and a half blocks north of our current store, right next door to Wegman's. 00:28:44.480 --> 00:28:47.119 And all you gotta do is shop in. 00:28:49.119 --> 00:28:49.599 Love it. 00:28:49.759 --> 00:28:52.240 Once again, TK, thank you so much. 00:28:52.559 --> 00:28:53.839 Donnell, you're my brother. 00:28:53.920 --> 00:29:00.240 Thank you for uh allowing me to share this platform with you, and we are over and out.