The Zach and Pat Show
60. Present Father, Hard Worker (feat. Aaron Mueller)
(upbeat music) What is up guys, welcome back to the Zach and Pat show. I'm Zach. - I'm Pat. - This is the show about manhood, fatherhood, entrepreneurship and the mentality it takes to be successful at those things. And we'll probably sprinkle in some helpful, real estate advice too, 'cause that's what Pat and I do. You know guys, life can be tough. We can go through some things and struggle at times, but this is the show to let you know that you're not alone. So if you're someone out there going through any things, this is the show for you. Shout out to our friends at Neurogum for keeping us energized and focused. Neurogum is a chewing gum. They've also got some mince that have caffeine, L-theanine and B vitamins in there. It helps with memory and focus. I really chew it all the time. You know what I'm out, showing houses with clients, you know, especially in the late afternoons. And if I don't wanna grab another coffee or energy drink, I just pop a piece of Neurogum and helps me, you know, kind of get through the day. And lately I've been, you know, working out in the evenings too. And instead of taking any like, you know, high stimulant pre-workout, I'll just chew a piece of Neurogum and it gets me to where I need to be. So get out there and try some Neurogum. - Also a quick shout out to the folks over at Captain Beardco. And for those of you who don't know, I am the folks over at Captain Beardco. We are a men's grooming company where we have beard butters, beard balms, beard oils, face and beard washes. They're all minimal products made by hands right here in St. Louis, Missouri. If you're trying to find a company that's small, up and coming and actually does what it's advertised to do, our products will leave you looking clean, feeling clean, smelling good and more than anything else, you can know you're supporting a good blue collar company from a small town here in the middle of Missouri. Like I said, we make everything by hand and we want to introduce you to a better version of you. So give us a check out, check out our website, check out our Instagram, we would love to help you. - And now we can introduce our awesome guest today. He is a husband, a father, a real estate broker, the operator of Maine and Market. - Yes. - A great and powerful Aaron Mueller. - What's up, what's up, welcome, welcome. Thanks for joining us. Thanks for having me. - Absolutely, bro. Thanks for coming on. - Yeah. - Yeah. Well, by the way, I've always wanted to ask you, where, now where did the name come from? - Yeah, okay. - Maine and Market. It's a great real estate, like name, by the way. - Yeah, well, I mean, if you think about it, every major city has a main street in Market Street, right? - Yeah, okay. - Main street's gonna be your, sometimes your blue collar or your, just, it basically separates my whole excite. - It's okay. (laughing) - Yeah, you couldn't pitch your shit. I can't pitch my mic. (laughing) I mean, you took me a minute, like, yeah. - No, so Main Street, Market Street, right? So, I work from St. Charles County, St. Louis City, right? So, Maine Street, St. Charles, Market Street. - Yeah. - Yeah. - Yeah, that was kind of the thought behind it, is like, who's my market, who do I serve? 'Cause I'm all over the place, right? Like, I grew up in St. Charles. I lived in Ballwood, Maplewood, South City, over in West End, like I've been all over, right? So, I have spheres and people in different areas, right? - Yeah, no, it's like a great name. When I heard, I was like, oh, that's like a, such a classy, like, just like, it's just sounds professional and-- - I definitely think classy. - Yeah. - When I hear it. - Very classy, main market. - That and I tried to, I tried to make the logo just crisp and clean. - Yeah, no, it's great. I love it. - And I was, idea behind the branding, I didn't want the classic roof pitch. - Yeah. (laughing) - You don't want to be, you know, Erin's real estate team. - Well, and that was the other thing is like, I thought about it from a growth perspective, which I haven't done a lot of focus on growth, just with growth in my family, right? But like, wanted to make it something that people would get excited about building their own business underneath it, right? Instead of, Erin Mueller real estate, like nobody wants to build up another person. - Exactly. - And I do see bigger teams that have done that, becomes a revolving door sometimes. - Right, no, that's exactly, that's when I, you know, I've kind of created mine, but I haven't, you know, I'll be, like, haven't done much building on it. You know, I've created key lock homes and, you know, that wanted, I'm kind of doing the same thing that you are, but I just didn't want to do, you know, the Vegas real estate team. Like, it just sounds so like, you know, it's- - Cliche. - Yeah, it's cliche. - Well, I'm just fucking egomaniac. - Yeah, and just get my cheesy face on a billboard or something, you know? Like, I'm just not, I've just never been super into that. - Yeah, well, I also think it's easier to build a brand. Like, you're building a brand around that, instead of, you know, and then you're tied to that brand instead of, you know, like you said, Vegas real estate team, like, it's hard to brand that. Like, I don't know, I just think it's easier to brand main and market key lock properties. - As you bring, so you go out and you find somebody that's talented, as you bring them up and they start building their own business, they're not gonna look at it from like, building this guy's name, right? - Yeah. - You can create your own team underneath the team, right? That was the thought process about it from the job. But anyway, yeah, let's just kind of, you know, get your story here and like where, you know, where'd you grow up, what was it like? How'd you get into real estate? You know, kind of just get your origin story here. - Pretty humble beginnings. We grew up out in North St. Charles County. North of O'Fallen, a small town called St. Paul. - Okay, heard of that, yeah. - Yeah, all right. Yeah, I mean, growing up, it was farm community, right? Like, it was now what you see in like, O'Fallen, it exploded in growth and like, what was a two-way road is now highway K, right? - Okay. - So crazy. I've saw the whole thing explode and the early 2000s went from, I forgot what the population was like, 30,000 to 100 and almost 200,000 people, like in a couple of years, like it was just bananas. So that's where we grew up, one of five kids, youngest of five, my old man, he, hard worker, man, his dad died when he was very young. So he went straight into the workforce, didn't have a ton of opportunity. He was one of eight kids. So he's basically helping his mom, right? So he worked 50, 60, 70 plus hours a week at any given time. So growing up, one single income household, he worked for a brake pad manufacturer. - Okay. - Yeah, so very blue collar, hard work. Dude's hands were fucking asbestos splinters growing up. He'd shake his hand, you know, fuck, dude. (laughing) Yeah, so he was just kind of a hard-nosed dude. Well, yeah, growing up, man, it was like me and my brothers and I had some good friends down the street. You'd have to ride your fucking bike too, 'cause nobody was close to you, you lived on average. - Yeah. - It was a good spot, man. I grew up just a good quality of life. Didn't want for much. My parents always minimal amount of money we had. They spread it out well, hand me down city. - Yeah, you'd be in the youngest. - Yeah. - My brother's busted ass GIJOs and shitty clothes and a fun stuff, so yeah. And then, yeah, growing up, man, my sister was in real estate and she crushed it. She was pre-collapse, pre-08 collapse. So she was doing great, making great six-figure money, killing it. I always watched her kind of growing up. I would stuff her envelopes and help her stuff. - How much older is she than you? - She's 50, so 13 years. - Okay. - Yeah. So that's kind of what sparked the interest in real estate. And then, I went away to CMO, we talked about that. And then, I graduated May of '08. The job market was fucking booming, you remember? - Yeah, and then. - Dude, you couldn't get a job. Like, there was people that had higher level positions, taking entry level positions, just to stay in the organization, right? Like, you had to have a elite, resonated kind of. - The Masters became a thing. - Correct. So yeah man, job market was trash. I got my real estate license right away, October of '08. - Okay. - But I didn't go full time until 13. I was talking about bartending, just doing odds and then stuff, just to make ends meet. I was living with a buddy on his couch and like, I do it with my life. I just spent all this money in school. - Money and college. - Yeah, dude, it was like, oh my god. So then 13 rolled around. I finally started getting my groove in real estate. And that's when I pulled the plug on everything else. And we just went all in. - Yeah. - So when you first started, and this is, I always like to kind of hear how people start. Like when you first started in real estate, did you join a team or what did you do? - So I joined this sanely small company. It was like this dude in his house, right? And it was really dumb. And hindsight, I would knock on that route. But he was like the first guy I met in real estate. Buddy of mine also was licensed with him. So it was like an easy end. Super cool dude. And I still have a lot of respect still out there. But it just, in hindsight, I wouldn't have went that route. So he, my friend and I that worked there, we left there. And we went to work for a small brokerage again. But then we had two mentors, not gonna name drop people, but they had a call center, essentially made, that was how I learned the students. So it was like-- - Gold column, bro. - Yeah, it was like 10,000 stomped on, just the worst fucking lead you could ever acquire, right? Like these people have been called there. You would go through the notes and there's just scrolling from like years of calls. - No answer. - No answer. - All day, all day. So that's how I learned the business, man. I was making 70 cold calls a morning every day. - Bro, that was very similar. - The fact that I was actually pulling some pieces out of it and people were like in business out of that. - Yeah, so it was supposed to be busy work. - Yeah, exactly. So no, I got really comfortable cold calling and then that turned into, I don't like working with all these cold leads anymore. I'm gonna start focusing on my people, people that know me and like me. And I've built my business up enough to where I feel like I have a reputation now where they might trust me, you know? - Yeah. - I think I always had that fear at the beginning. It was like nobody's gonna trust me and brand new. And fresh out of college, I don't even own a house. I'm living with my buddy. Like who's gonna give me the right to help them, right? - Well, yeah. When you first start in the real sit industry and I was telling, oh, I went and had coffee with a friend yesterday. She's in the process of getting her license. And I was like, man, I hate to say this, but it is kind of like this for most agents. I mean, really, pretty much anybody when they start, at least from what I've seen, is it's really a lot of faking it 'til you make it. You know, it's like that first couple of years, like you're really figuring it out, you know? I'm five years in and I'm still coming across shit that I've never seen that before. That's a new one, you know? - I did, I had that conversation yesterday. I was like, I've been in this business a long time, this is a new feather. Like it's still happening, I've been at full time for 11 years, right? - Yeah, two things. Every transaction is so different. Every person, every house is different. It's just, you know, you might get a few that are similar, but for the most part, they're all different. Oh, they see it on my side, old town. - And the agent on the other side is different. They don't know who their home inspector is. Like there's so many variables every single time. - It's a title company, it's like, dude, there's so many different things. And there's no deal ever looks the same. - For sure. - I mean, you've been in it for a while, so you've seen multiple different types of markets, you know? What are some of the things that you, what are some of the biggest changes that you've seen since you got in the business? - Well, I mean, in '08, that was when everything collapsed. So it was like, I hadn't seen a normal transaction, like a normal buyer to sell our transaction for, it was like almost two years. It was short sale, short sale foreclosures, that was it. I only help people purchase at that time. So I was helping people through short sales and forecasters only. And this guy, one time we rode on a short sale. That's how screwed up things were back then, is like it took six months to get lean holder approval, and they didn't approve it. They raised the price on a 70 grand, which he couldn't qualify for. So we sat there for six months waiting, like that was this kind of stuff that was happening back then. So it was ridiculous. We've waste all this time and just get short on by the bank, right? - Short sales are a pain in the ass. I've done two, I've done two. The shortest one took nine months, the longest one was a year and a half. - So that was how I learned the business on. So it was like, this is real estate, like this is bullshit. - Yeah, so that was like your first two years. And then you get into like 2011 or so, and things kind of started normalizing a little bit, yeah. Yeah, and then, I mean, I've just seen everything, right? Like as far as buyers, market sellers, markets go. So I've been in those situations where it's a strong buyer's market and you're negotiating, beating the hell out of sellers and like your buyers love you for it. And then flip side, right? - Flip side where we've been since, you know, I mean, last year, made the whole time I've been in the business. You know, the whole time I've been in the business. Like last five years for sure. - I've never known a, like a normal market, you know? Like it's, it's the only thing I've ever known is, you know, I got in the business and like, I got my license right before COVID, you know, in September of '19 and then didn't really like, start doing anything until like the beginning of 2020. And then, you know, still working in restaurants and then in March of 2020, everything shut down. And all right, I'm the, I guess let's try this real estate thing full time and never really went back. So. - That was the whole, for people that had been established prior to COVID, I think that was like crazy too, right? Like I woke up one morning, I was like, I don't know what I'm gonna do. I guess the business is done. Like, what do I do now? - Yeah, people are still buying houses or like the world shut down. - Yeah, exactly. - And then the next week, it was like, okay, we can do virtual showings. - Yeah, and then the interest rates are, you know, - We gotta wear five masks and put gloves and shoe covers on. - Yeah, gloves and smoothies. - And then, you know, you're standing in line outside of a house. - Yeah, on a time. - Yeah, like it's a line at Six Flags. - And then you got 50 offers on a house, like literally a year later. It was the craziest transition I've ever seen and anything. So. - Yeah, it was wild. And then, you know, that on top of it, the interest rates being what they were and, you know, it's- - Well, and then the other transition of rates going from the threes, fours, fives to all of a sudden, seven, eight. - Yeah, that's like, that and I bought this like tank. - Yes. - And then it was like, super slow for a couple of months. And then all of a sudden, it like, started picking back up again. - It's just kind of normalized to it now. - Yeah, it's just normal life now. Yeah, because that was when that was, it was 22. It was like, full of 22 when they all jumped. - Yeah, we started really seeing them spike. I'd say July, August of '22 is when we really started to see things, it's when inflation was just going through the fricking. And rates just kept going up and up and up. - I'm sitting there looking- - I was just saying, man, from your perspective- - I might want that. - You had to be shitting, you're like- - Oh, well, guys. - The amount of people, like I would pre-approve and then, you know, I was having to re-pre-approve people every week, like the amount of extra work that I had to do because like, I'd be talking to them and rates were at, you know, say 6%. - And then the very next week, that's 7, and I'm like- - Kick them out of that price point. - Fuck, yeah, so now I gotta redo this. And yeah, I mean, I will say, you know, it's, it, it made me change the way I did it 'cause I, now I was, like, whenever I pre-approve people, like, they're not seeing this, but I'm working it up at like an 8% interest rate. - And then when I'm- - Work backwards. - And working backwards, yeah. So it's just adapting for you to be able to tell somebody, oh, yeah, you're approved at 400 and then- - Now you're approved at 300. Those are totally different houses, right? Especially in this market, man, like buying a $300,000 house is a piece of shit now, for some reason, which is crazy. - And it changed the way that I approached my application. So like before, I would go through the applications and ask them all these questions, kind of get to know them and all that, but I added an aspect to it now. It's kind of really changed. It's what, that helps in terms of, of pre-approving them instead of, like, hey, you know, figuring out their max and working backwards, I'm finding out, all right, well, what's your goal monthly payment? - Yeah. - And then what's the goal purchase price that you're shooting? Most of the time, those things don't match up. So when I sit down and do a consultation with them, I'm able to show them, like, hey, but I'm also able to show them, like, you know, most of the time people qualify for way more than what their purchase price they're looking at is. - Sure. - So that's eliminated a lot of that stuff too. So that's been, that's helped a lot. It's just, I mean, adapting and changing and making sure you're staying up with it, just so you're not getting caught with your pants down because rates change quickly. - Yeah. - And we've seen that. And luckily they've been kind of flat for the last six months. I mean, you might see some, you might see some, like a week or two where they're lower or a week or two where they're higher, but for them-- - Nothing drastic. - Yeah, for the main part, the main, you know, high six is the low set, you know? So, and that's just kind of where we're at. I do think we'll start to see some drops now that employment's getting worse and inflation's still coming down. So, see, but hey, you mentioned two, I'm sure, you know, 'cause you've been in it for so long, you've got a lot of these move-up buyers. They're probably gonna love you now. Like, yeah, you just beat those down when I bought my house. Now you're making me more money. You're looking like a rock star, bro. - Yeah, for sure. No, it's, I think the last couple of years, I really went through a big swing of people. So, that was like, I've learned a lot, especially in that market where you had to buy first, you couldn't be contingent on a home sale. - We still can't. - No, it wasn't a thing, though, in '21, you were laughing stock, if you thought that was an option. - Yeah, hilarious, yeah. - Yeah, so you had to figure it out. And whether it was like putting people in situations, we're like, "Hey, I know we can sell your house, right?" Like, I need you to trust me here, so we need to go get pre-approved, go buy, and then-- - And we're just listing. - Yeah, we're listing that same day. - Yes, the second you're under contract, like I would say that was my move. I was like, we gotta get, let's get the pictures, let's get everything ready to go. - So, I can flick active. - Yes, the second you're under contract, we're going on the market the next day. You know, that was the move. I mean, 'cause it's, like you said, a home sale contingent is just not an option. Not gonna happen. - Oh, and what are your guys' perspective on this? 'Cause I've talked to clients, too, and they've got, and we've had the conversations like, well, what if I list my house, go under contract, and then go and write? I'm like, honestly, that's gonna be your safer move. - It is, yeah. - But, you know, at that point-- - But, and you're just on such a time crunch. - Yeah, exactly. - That's what, you know, it's 'cause I hate, like, that's what I would say. It's like, yeah, we can't do that, but you're-- - But as a seller, though, you've got more control of that. So, you can ask these buyers, that you can really ask the buyers to do whatever, and be like, hey, I wanna push this out 90 days. Obviously, if I get under contract, we can move that closing date up to match it. - Yeah. - I've done that, and I haven't had success with it because I've found that people rushed their purchases. I've had a couple of people reach out to me just this past year that I helped buy in like 22, and they're like, we hate this fucking house. Like, it's this, and this, and this wrong with it. Like, I wouldn't have bought this, and like, they weren't mad at me. - Right. - They were mad at the situation that they felt forced, and they also paid a tip-top dollar for it. - Of course, they provided money from 10 to 15% over less price. - Even two years later, you don't have a boatload of equity to like, get it moved and do something else with it. So, it's like, those are the conversations that suck right now. - What about those clients that you put in early in your career that are in the same home that might have those lower rates? I mean, are you getting a lot-- - I don't know, moving. - Yeah, I know what. - Yeah. - I don't know how many times I've talked to people this year that are like, bro, I got a three, I'm not doing anything. - Yeah, I'm not doing anything. - Just stuck. - 'Cause it's like, if they were to move up, then, you know, whatever they're gonna purchase, you're gonna-- - Yeah, I'm buying down or making a parallel move for a higher payment, stupid. - Yeah, it doesn't make sense. - That doesn't make sense at all. - Yeah. And that's where, I think it's like, I don't know if it's, this was a couple of months ago, I saw this, but it was like 60% of the country has below a 4% interest rate. - Yeah. - So it's like, that's why, you know, the market is what it is right now. - I also am scared of, like, the institutional investors, man. Black rock. - It's 60 billion. They raise to buy single-family homes. - Yeah. - Not just residential living, like single-family homes specific. So, I mean, think about it. If they're ticking up 30% of the market every year, like-- - Yeah, people need to be-- - People are gonna get bought out. - We'll be a nation. - We'll be a nation. - Yeah, people that need to be thinking right now, like, there's not gonna be houses when our kids are trying. - I know. - Like, there's not even gonna be houses. That's the thing, it's almost like sellers and all that. I need to kind of, there's a way to boycott that. They get an offer for something like that. Like, just not sorry, say, oh. - You'd like to, but then if you're in a situation where you don't have a lot of offers and you've got a clean cash offer, then they're willing to close in a week and that's appealing to you. - Right. - I know that's tough. - It's hard to be like, oh, I don't wanna-- - Yeah, I know. - I don't wanna feed the machine, right, but it's like-- - But it's like that, my machine's got a pretty good offer. - They're feeding me, right? - They're feeding me, exactly. - And it's like, well, now have you, 'cause I haven't experienced this at least, I don't think I have had any like, other than like dealing with like offers from like offer pad and let's see, I don't wanna open door and stuff like that, I haven't had any like-- - They suck, yeah, they've been-- - I've done many of them, but they do suck. - They have been terrible interactions. - Yes, they're never great. It's like, I always say-- - You can't get a hold of anybody. - Yeah, I always say it's like buying a house from the customer service department. - That's exactly what I thought. - Dude, that's it, yeah. - And people, I've had clients like, oh, why is this one sitting on the market for so long? It seems, looks like it's nice and it seems like it's, you know, I'm like, 'cause nobody wants to deal with, you know, open door, fucking sucks. - For sure. Well, they just put some shitty, great carpet in and give it a coat of paint and call it good and try to get-- - Top down. - Yeah, like of over market value, it's like-- - Right, yeah, they come out way too hot on the list price and then it just sits there. - Well, and it's like that one that I sent you that you guys turn into a subject to. - Oh, yeah. - They, this was a pass client of mine and he bought in 21 and had like a 2.75% interest rate. - 2.76, actually, is that still in the house? - Yeah. - You wanna get technical? - If you wanna get technical, that's what I have on it. - So, yeah, so he, and he got really cool, relocated up to soda and he called me 'cause he's like, hey man, thinking about something on my house, he's like, how, like does this sound right? And it was an offer from Open Door. And he, and I was like, well, what are, you know, what are they, no, that's a thing. And he was telling me they like, they offered him this much but then they were gonna charge him this much in fees to where he was only netting, like what was it like? - $6,000. - $6,000. - Yeah. - Yeah, so, and then, so that's when he calls me and he's like, hey, you should go, you know, you should go talk to this guy and see-- - About listing it. - About listing it. - Yeah. - And so I went over there and I called him, went over there and, you know, he's a real nice guy, typical lacrosse player, you know, and I go inside and the house is just filthy. You know, like you totally live in like a college, bro. - Was it worse than Larry? - Bro city. - No, it was definitely better than Larry. That was a different story. I don't know who it could tell you that out. - I wasn't having a reference point there. - Yeah, we'll come back to that one. - Sure. - But no, anyway, I go in and it's like, it's just a mess. It's like, you know, there's a treadmill in the dining room, dumbbells everywhere, there's like a pile of shoes, like in the living room, it's like four feet high. You go into the one of the bedrooms, he's got like the TV or like the coffee table, like pulled up right to the TV, clearly where he's playing video games, you go into the bathroom, there's just fucking hair everywhere. Like, and I'm like, I'm thinking I'm gonna list, I'm like, I'm thinking we could probably list it for about, you know, probably get about 10 grand more than what Open Door was saying until I went in there and saw it and he was-- - But you have to get everything out of here. - Exactly, and he was like, dude, I gotta-- - He's on a time crunch. - Yeah, he's like, I got a close in three weeks. - He's like, I got a close in three weeks, they're gonna pay me six grand and I don't have to do anything. Like, I'm totally cool with that. If you can beat that, then I'll take it. And I said, so I, the day before I went on a listing appointment with my investor buddy and he pitched buying this house from these people subject to. And I had heard of subject to, I'd listen a couple of podcasts on it, you know, follow PACE more beyond Instagram. And, you know, but I had never heard it be pitched the way that my buddy did it. And so I was just like, oh fuck, let me just rip this out of here and see if I can kind of, you know, say what he said yesterday 'cause it just made way more sense. So I was like, all right, well, they're gonna give you six grand. I was like, how about I write you a check right now for $7,000 and you deed the house to me and I just continue to pay your mortgage? And he's like, that sounds easier. - Let's do that. - Let's do that. - Let's do that. And I was like, okay. (laughing) - Shit, I didn't expect that. - Yeah, no, I totally didn't. I totally didn't. And he like totally agreed to it. And, you know, and that's what we did. And I still own that house today. And so we have a house with a, you know, bought it for $7,000 of the 2.76% interest rate on it. - That's beautiful. - And, you know, great little house in South City. And I, me and my buddy, we bought it together and we furnished it and I rented out mid-term rental for 2,200, 2,200 a month. - Oh yeah. - So, yeah, it's been great. Other than right now, we're having a little bit of a water issue in the basement, which I'm wondering. - I think everybody is. - I think everybody is right now with these monsoons. We've had in the last couple of days. - Dude, I was literally checking the weather yesterday and this cloud just didn't move six hours. It's just over St. Louis, just chilling. - Just chilling. - It's like, what the fuck? - Dude, it rained all, like the last two days. It just did nothing but rain and stuff. - No, it's photo shoots yesterday. And my guy's like, sure about this. I was like, we gotta do it. - We gotta do it. I mean, yeah. (laughing) - You can Photoshop the rain out, right? Make it look pretty and maybe come back tomorrow to do the exterior photo or something like that. - We got this. (laughing) - So, do you do any real estate investing? - Very little as of right now. I have two rentals and I had an Airbnb in Central West End. I sold that to invest in another opportunity that I had. So, I was talking to Zach about it. I wanted to get back into it and start focusing on it a little more. So, I do want to exit strategy, right? Like, I feel like this is the rat race, you know? - We're in a transaction treadmill, bro. - And that's it. And I like, as much as I love that and it gets me-- - Drive it. - Gets me going, gets me revved up. - I'm doing it for the next 25 years. Sounds fucking insane. - Exactly, right. - I just turned 40 and I don't want to be doing this when I'm 60, right? - Yeah. - I have phone calls with agents that sound like my grandfather or something. It's like, I'm not doing that. So, you gotta find that exit strategy. So, that's really where I'm going to start shifting my focus is keep my retail business going. - I have a great list of past clients. People that love me trust me, know me, want to support them and help them in their goals and then start focusing on them. - What are some of your goals? - I want to have $10,000 of residuals. That's my first goal and then build off of that. - Dude, that's great goal to have. - Yeah. - Yeah, 'cause I mean, you're even in it long enough and I'm finally starting to experience it, you know, being five years in. I'm finally starting to get like all these, just referrals in past clients and having a lot of turn out. You know, people that I've helped them purchase in 2020, you know, I'm helping them. Now they've, they bought the house, they've had a kid, they need to buy a bigger house and, you know, so I'm starting to get a lot of that and I'm starting to experience that, you know, those move up buyers and it's been great. - Yeah. - It's definitely, this is like the first year that I've had more listings than buyers and it's just a kind of a big shift. - Oh yeah, I mean, time or everything you have into it is it's just easier and especially with you, the small kids too, right? Like you're some of your weekends back and you're starting to see a little more freedom versus shuffling buyers all week. - I was explaining it to that girl yesterday, I had coffee with, I was like, you know, like buyers are more work, are more like time, but like, I think sellers are a little bit more like stress. - Yeah, sure. - You know, like, you know, when you're, 'cause when people are buying a house, it's like such a happy time, you know? - It's like super rewarding at the end. - Yeah, it's like, oh, we bought our first house. - Yeah, so it's awesome and we love it. And but like, a lot of times when you're selling it, there's a reason, you know? Like, you know, I've had a couple of them this year where it was mom passed away. We had to sell the house or it's a divorce. - Big D, yeah. - Yeah, well, how did that? But, you know, sometimes you get that double on the back end, which I've been able to get a couple times like once, which is cool. But, you know, there's always a reason and there's a lot more stress associated with it because you've got a bunch of people in their house and you're kind of responsible sort of, you know, it's just like a, it can be stressful, for sure. But, you know, it just comes with a territory, you know? - Yeah, definitely. - And then we got a whole bunch of new changes coming too. - Yeah, I haven't even experienced any of that yet. - I've got some pushback. I got a guy who wanted a couple of people that didn't have it. - No, they didn't want to list until all this stuff happened. - Mm-hmm. - Okay. - All this stuff, meaning. - Industry commission. - No, all of our, yeah, the new changes coming from that big settlement. - The court case you were working on a while ago. - Yeah, so there was a big, you know, court case basically on, you know, real estate agents commission and the decoupling of the buyers and sellers commission, so. - Sellers no longer required to pay the buyers agent. Well, we can't, we can't market a payout to a buyer. So what that's going to look like is the MLS, if you go on there right now, my buyer wants to see five houses, I pull them all up, I can see what they're paying out prior to going to the showings, whereas now we're not going to know there's going to be a document. - It's so stupid. Like we're going to have to jump through five hoops to have the same information and it's. - And it's like, I just got to call this agent. - I got to call this agent and ask him, "Hey, are you paying me?" - "Are you going to pay me?" "Yeah, are you going to pay me?" It's like, "I talked to my buyer, they don't want to pay me." So. - Yeah, so. - Yeah. - So what I think is going to happen is buyers, it's just going to be part of the conversation. And I was, "Hey, you're going to be responsible for a portion of the commission. My goal is to always going to be to have your back and negotiate at the best I can to minimize that, but there's going to be some out of pocket expense. Like that's just going to be the cost to do a business move forward, I think. - Yeah, that's what I've been doing. I've just been having that, you know, I haven't really come across it yet, you know, at least any, I haven't had that. Well, I did have a conversation with two of my sellers and you know, they ended up deciding to pay out a buyer's agent commission after I kind of explained to them, like this is what it's going to look like if we don't. And, you know, and then I've been having that conversation with buyers on the front end. They're like, "Hey, you know, this is what's happening. This is what's going on." And, you know, just letting you know that we may come across some listings that you guys want to see and they may or may not pay out of buyers agent commission. And if that's the case, you know, I need to be paid for my time. So, you know, it's got to come from you. - For sure. - You know, it's just another conversation that we need to have. - And the sellers that want to pay out zero, they're going to do that. So, such a disservice. - Oh, absolutely. - Absolutely. - 100%. - I mean, that's what I told her. I was like, you know, I mean, we can. It's totally up to you, but like, I wouldn't advise it. It's going to make your house a lot more difficult to sell. - Yeah, everyone representing a buyer, that's the immediate conversation you have to have. Like, that sets the tone for going to that house, right? It's like, you got to pay me for this house. - Yeah, this house is going to cost you an extra, you know, two and a half percent or your three percent, whatever it is. - So, that's going to set the tone, right? And you walk in, if they don't love it, then it's, you're just going to cost me an extra 10 grand. - Exactly. The one down the street, I don't have to pay any commission on. I got to pay. - Yeah. - Yeah, exactly. - No way. - So, yeah, it's a, yeah, it's going to be a, you know, some new waters. - What's up with the VA? - They've, they've changed, they've, they've, they've all conformed to Fannie Freddie and FHA guidelines. - Got it. - Yeah, that's temporary, then until they can figure out a permanent fix, but they're allowing it. - Okay. - The line buyers to pay. - Buyers to pay. - Yep. - I mean, I suck at it and I mean. - VA, yeah. I mean, they've already got a hard enough time already. - Yeah. - But it is unfortunate and, but yeah, I mean, they're going to follow things. It's going to save anything they need to make VA buyers like, they need to give them more power, man. - They deserve it. - They get shit on and they're like going into multiple offer situations at the VA buyer. - Oh, he's different from the bottom. - Like, hey, bro, you're going to lose like five houses before we get one, just I want to prep you. - So let me ask you guys, you guys, as agents, what is it about the VA, a veteran coming in buying that, that worries you guys as a, as a, as a, as a agent? - Yeah. - So, predication work, buyer, their sellers got to pay the termite inspection, which isn't the big, 75 bucks. - Not anymore. - Whatever, right? - Not anymore. - You don't have to anymore? - Nope. - Okay. When did that change? - Two years ago? - Two years ago? - Yeah. (laughing) - You must not do a lot of VA. - I'll be honest, as a lender, my job is to represent the buyers. - Right. - You know. - Mostly predication work, right? - Yeah. - So that's changed too. - And from a finance and perspective, like if somebody's putting 80% down or 50% down versus 100% financed VA loan, like those people look, look stronger on paper. They may not be, right? - Right, because the VA, if they're not putting anything down, then they get to keep all their money. - Exactly. - They have way less skin in the game, typically smaller earnest money deposits, those kinds of things. - Well, that's, so that's the one thing that I've talked to my VA buyers about is one, make you look better, put a larger earnest money amount. - Yeah. - 'Cause you're gonna get that money back. - Yeah. - You know, if you're not putting it down, you don't have to put it down, pay me down. That's the great thing about it. But the one thing you mentioned predications, a lot of that's changed. They're still gonna go after the peeling paint, which if you're selling a house for top dollar, odds are there's probably no peeling paint. - Sure. - There could be, but that's very minimal, easy fix, right? That's really, and if it'll pass an occupancy inspection, VA's not gonna have an issue with it. You're gonna be okay. So a lot of that stuff's changed. I know with the appraisal process, I mean, for a long time, they wouldn't leave the subdivision. They'd go back two years to find a house that's sold in the suburbs. - Not anymore. - Yep. - Sometimes they're in the same zip code school district, they'll be good. They've changed their process for appealing appraisals. It's still, you know, it's tough, but it does happen. I've had a few that I've appealed them, why not? But at the same time, the one good thing is a lot of my VA buyers, they have money. They can put money down. Like I've got, I just talked to one yesterday. And guys got $50,000 in the bank. If you wanted to put a down payment, like he's looking FHA, or he's looking VA or conventional, he wants to know. And so if it doesn't appraise, okay, that's what, now they have a down payment. Usually these things aren't, they're not off by 20, 30,000. They're off by five, 10, you know. And he would have the money for the down payment without really hurting himself. So a lot of my VA buyers are some of the best buyers plus, they're the easiest loans to get through. Like they are guidelines to do a VA home loan are super simple. Like, and that's what, when I have buyers, I always tell me when you submit an offer, let me know so I can call the listing agent and talk to them about this so they can understand like VA loans are hands down, the easiest loans to get through, easy. So if it comes down to financing and trying to figure out, you know, conventional versus VA, I'm gonna push my guys VA every single time just because of how easy it is to get that loan approved versus a conventional loan or FHA or anything like that. - That's the thing that I try to educate listing agents on just so. - That's what it's needed, honestly, 'cause like from my perspective, the best offer is the best offer at the end of the day, it's all cash, right? So if I can have a conversation with their loan officer and I feel confident after speaking with them that these people are solid, I don't care if it's conventional FHA or VA, right? But that's not the case with everybody. - Yeah, I mean, I think what it usually boils down to or why VA always kind of gets the, you know, it is the perfect. - It used to be, it used to be shit, I get it. - Well, it's just the problem is is when you're pinned up against, you know, five other offers and the other four are conventional and you're like, oh, well, this, you know, this one, we don't have to worry about any, these four conventional offers, we don't have to worry about any predications or any issues there. It's just something we don't have to worry about at all. That's kind of what it, where I think-- - And from experience, when you're walking through houses, you know when there's like some issues, right? Like just decks of piece of shit and it's gonna come up on something, right? Like that's when you can kind of-- - Right. - But if you've got a house that you're selling that you know is gonna sell quick and top dollar and there's no issues, a VA offer is not, not a terrible offer at all. - No, I agree. - And a lot of people don't know, and I don't know if anybody's talked to you about the appraisal process is really like with conventional loans. So a lot of this, we, I learned this back in 2021 when we started seeing people paying out the ass above sales price for homes and we're getting these appraisals back and the next thing you know, our underwriters are like, yeah, this appraisal needs to go for a review called the CDA. It came back with a really high SSR score. I'm like, what the fuck is an SSR score? And they're like, it's a, so Fannie Mae and Freddie Mac since 2008 have collected every appraisal on every home ever done, across the nation. They have a database of all this. This is how we get appraisal waivers. So they know the value of every home, within a certain range. And if someone writes an offer and they're putting 20% or more down and that house falls within that range, you don't have to get an appraisal. They grade these appraisals on scores from one to five, one being the most accurate, five being highly inaccurate. And I have more issues with conventional loans 'cause with the FHA and VA, we still have to submit them to the VA or to the Fannie Mae and Freddie, but then we don't, they don't care about the score. So we could get an appraisal back with a score of five, VA, FHA, they don't care. But with conventional, like I've got this going on right now, we had to submit it for a CDA. So this CDA reviews the appraisal. The appraiser has to answer the questions that they're proposing to them and why he gave that. And he has to back it. Now, I've been through six of them and all six have been approved, but that appraiser now has to go through and back why he's giving that. And then that board has to come back and say, okay, we approve it. And it could add an extra week of time to it. But that, but you don't, we don't worry about that on our government loans, only unconventional. We haven't seen it much lately, but 2021, that was a pain in the ass. And, you know, we're still seeing some of it here, but most of our appraisals now cause like low. - It's getting moving. - Right, or pushing closings and things like that. I mean, and that's stuff that a lot of like, obviously, I mean, shit, I know loan officers are like, what the hell is an SSR report? Because they've never had to deal with it. But in 2021, I had five in 2021, right? And it was just like, it was new to me. And I'm like, oh, shit, like, I should know, I need to know this. So, you know, it's one of those things like, you know, like we got that appraisal back on that manufactured house. I'm kind of like, I just had a shitty one this morning. I gotta do that out this afternoon. - We had two, we had two come in. Come on over, two days in a row. - Right, well, we're like, yeah, two days. - And one was a manufactured home. - An manufactured home is going for $300,000 now. Whole, like, you gotta be like that. - I was talking about this. - I'm like, fuck. - You gotta four to three, man. You're buying a manufactured home. - Right, that's where we're at. You know, it's insane. - It's got a big, a neat texture. - I mean, it is on like an acre and a half. - Yeah, it's a newer manufactured home, 2019. Great shape. - Nothing very nice. - No, nothing at all. No, especially these new ones. - Yeah. - The house inside look is sick. You know, it looks very nice. - Yeah. - And it has this beautiful large detached garage, which that was a new one for me because that's the most I've ever seen them given a, an accessory unit. So any like secondary big unit on the house or big garage or anything like that, it's considered an accessory unit. Usually we're seeing 10, maybe 15,000 given to it. They give them 20 grand for this. And I'm like, all right, you know, that's pretty, you know, that's pretty good. I've never seen anything go up that high. - Pretty bitch out building. - Oh, it's bad ass. - Oh, it's a massive garage. - You know what I mean? You can fit, and then you have this bad ass like old El Camino in there. - Really? - Yeah. I mean, it's like one that he takes the car show and you could tell it's like his only thing in the garage. - That's where that dude gets a question. - Who's the car come with the same? - Yeah. - Shut the fuck up. - Yeah. - Shut the fuck up. - But yeah, people don't shy away from manufacturing homes. They're great and people think they're tough. I mean, they do have slightly higher rates that go with it, but ultimately, I mean, they've come a long ways or not. - Yeah, this deal is definitely changing my view on them. - No, I had said that joke on it. - Oh, yeah, no, no, but like I said, I mean-- - I just meant from like, it's crazy that-- - 300 you should be able to buy that for 150. - No shit, like brand new, like that was the thing 'cause we were looking at it before they rode on it and I was on and I was like, oh, this is a clique. - Yeah, we ended up getting it for, you know what? 30 grand less than they were asking. - Yeah, and I was like, and I wouldn't have for praised that. - No, I wouldn't have praised that. - But no, we pulled up the brand new off from Clayton Holmes, which is a big manufacturer home maker. And like, this unit starting was like 180. - I think so, yeah. - Started at 180 and now obviously it's on what, four acres? - No, it's like an acre and a half, I think. - Oh, it's always a little bigger than that. - Maybe, maybe, maybe. - It's a different house. - It's a different house. - But yeah, big lot, but then it has a bad ass garage to it and I was like, this guy's putting a lot of value on that garage that it's not going. - Yeah, but now you got it, man. - Hey, it works, man. - It was awesome, man. - They were, everybody was freaking out about that appraisal, I was like, it's like, either way, I was like, we take it back to him. He's not going to want to go to the market knowing that the value's way less than what it is. Odds already is going to compromise. - He's just going to compromise and come down. - And or it appraises more, and guess what? You got equity. So it's a win-win situation for you guys. - Yeah, it's awesome. - What is it called to like be on the ground or like building a manufactured home? Like you're the first person that's going to live in it. - Does that usually go for in today's market? - So we're, if there's a round figure. - So we, I mean, we used to have, are we in certain areas, which is crazy because one of our loan officers in Farmington, Missouri was the number one USDA loan officer in the country for the amount of USDA loans they do, but they will not let us do USDA new construction or manufactured housing. Sucks because we're one of the largest USDA lenders in the nation, but we have other pockets around the country that do allow us, but I mean, so that house starting is 180. So obviously you go in and you can customize your upgrades on the inside depending on what you decide to upgrade in. I mean, you know, you could see, and you got to buy the lot and the land that it's going on. So, you know, what's the average lot price per acre, but say 20 grand depending on where you're at. - Depending on location. - Yeah, I think I saw something online that showed an acre of land out in high ridge for like 20 grand or something like that. So 20 grand plus say you go and you spec it out, it's 250, you're looking at 270 for a plot of land in a three bedroom, 2100 square foot, manufactured home, 2100. - Yeah, that's nice. You have this big like open kitchen. - It's about three times. I mean, that's about double the price of my house and three times the size square foot. So, yeah, I'm just waiting for them to figure out financing for like bar dominions and stuff like that. - Yeah, I got so many different people coming. - So, I know, that's a special financing and stuff like that. - I don't know how to do that in storage units. - Yes. - Jesus Christ. - The amount of people that reach out to me about storage, I'm like, I don't specialize in that. I got some people. - There's so much money to be. - Hell yeah. - That and then like, like heavy machinery storage spaces. - Yeah, yeah. - I've got a contractor storage and stuff like that. - I've got a family friend that is over in Columbia, Illinois and they've got two massive lots that they do. Boats, RVs, heavy farming machinery and stuff like that and they fucking kill it. - You go down 55 and pass that place in Arnold. - Yep. - They murder it. - Oh, I'm sure it's right off the highway. - Yeah, it's like multiple acres and it's jam packed. - It's boats. - Right across from my, that's right before the exit from my office. So every day I'm like, fuck God. - And I've heard people doing like luxury boat parking and stuff like that where yeah, you pull in and it's like a whole experience. They got like bars set up in the back. Like you can sit in there with your boat buddies and just have cocktails. - Sit on the boat. - Yeah, when you can winterize your boat. - Yeah, kind of cool. - Yeah. - Let's go find some land at the lake. - Yeah, that's what I was gonna say. My buddy, he's a buddy I went to college with. He bought, he's got like four storage units, I think last time I talked to him. And yeah, his first one, they literally just bought like a gravel parking lot with a barbed wire friends around it, leg of the Ozarks and they boat storage. - Yeah. - There you go. - That's sweet. - And then. - 'Cause it's like no maintenance, you know? That's what I love about it. You know, having a handful of rental properties now. It's like, those are the farthest thing from passive and people like, I love it when people tell me like, oh, you know, I really want to get into real estate investing 'cause I want some passive income. And I'm like, okay, yeah, I was like, me too. When does that happen? - Yeah. - When does that shit start? - Let me know when you find that shit. - 'Cause like the only passive income that I've ever seen or heard of in real estate is like, you know, you being a like a limited partner on like a syndication or something. - Yeah, exactly. - You know, like we had Lee in here. He's a kind of a mentor of mine. He's got like 900 something doors, you know? And they just, you know, they buy nothing but, you know, apartment complexes and stuff. And you know, they do syndications and they're always looking for investors and stuff. So I mean, now that would be something where you basically hand him money and you know, they kind of do it with, you know, they go do everything, handle everything and then they just send you a check every month. Like, that's passive. - That's a good thing. Like a strategy. - Yeah. - Yeah, no, I mean, that sounds like a, you know, not a bad deal. I mean, it's, yeah, so I mean, it's, I plan on going in on one of those eventually. That's definitely one of my goals. - So, you know, syndication or REITs or whatever those are, I guess they're pretty similar. - Yeah, I think so. I don't really know the difference. - I guess the syndication's more private to more of a public. - Yeah. - So. - I mean, it's just by REIT on like a stock trading platform. - I think so, yeah. - It's more publicly, it's publicly traded versus a syndication where it's privately held, individuals. - The dividends are really high on it. So like the PDE ratio is usually fucking crazy. - So, but well, let's learn a little bit more about you outside of work. - Yeah, now as a father, as a husband. - Yeah. - Yeah, so I met my wife. - Dude, I was in, living in the central West end, living my best bachelor life and being this girl, we, that ended up getting pretty serious. She turned, I call her Looney Tunes now 'cause she's fucking insane. She actually tried to kill me. That's a, that's a sidebar story. - We'll come back later. - Yeah, we'll save that for later. - No, so trying to get her out of my condo at the time, went to go meet a buddy for a beer. I was like, dude, I need. - And get me out of here. - Yeah, I gotta get the hell out of here, come meet me. So we're sitting retreat gastro pub, showing out the retreat by my wife. So they have the U-shaped bar, we're sitting directly across from each other. Mind you, I'm going through this crazy breakup, but like, see this girl over here. I'm like, oh my gosh, it's beautiful. I'm like, we made awkward eye contact. Like seriously, I have 200 times in the three hour span. I think didn't even talk to her. So time goes by six months, finally gets psycho out of my house. Facebook's like, hey, here's somebody you might know. And it was her. I had some bruise at the homies. And I was like, going for it. - Ad frown, liquid courage. - Shooting that shot. So I had DMs and that's all she wrote, man. We're on our first date. Did find out on our first date, she's 10 years younger than me, which was like, at the time I was 35, so she's 25. I'm like, fuck, what do we have in common? - Yeah. - We just hit it off me. - That's awesome. - Yeah. Then we didn't waste any time, man. We got married quick and then, yeah, we had three boys in like a nine month span. So. - Can I get the buy one, get one free, especially, yeah? - Dude, I'll never go to the fucking, we go to the doctor and it's our first ultrasound. And immediately, like, wasn't even any question. There's two hearts, I'm like, what the fuck? And she, she goes, you see what I see? We're like, yeah. And my wife, she starts crying. She's like, what the fuck? So we weren't even like out of those part of them with the baby. - Yeah, dude. - I am never gonna financially recover from this. (laughing) - More psychological. - Yeah, yeah, more so that. - Yeah, exactly. We were just figuring out how to be first time parents with our little dude. He's nine months old. - Oh my God. - So double or nothing. - Yeah. - Oh, no. I can't imagine. - Yeah, so that was, you guys born in 21 and then the twins in 22 and yeah, man. So like trying to run a crazy real estate business and all that happening at the same time. We moved multiple times throughout that process too. It was like, I don't even know. Like, I feel like I'm just now like, what the fuck happened? Like, I look around and I'm like, I got all these. - There's three of them. - Yeah, I got all these boys. I got this new house. I'm gonna go around that. - Had to get a new car. - Yeah, dude. - With a third row. - Yeah. - Seriously, we had to get all new vehicles, a new house. Like, then we'd loved our house and seen those hills. And the moment we found out we were having twins, we're like, you can't fucking live here anymore. - Yeah. - It's like, it was already tied with Levi and the dog. I was like, dude, we're gonna go. - Yeah. - And I had the kitchen down to studs. I was redoing the kitchen at the time. So I had the kitchen down to studs and I'm like, so I put in this beautiful brand new kitchen. We need me to cook anything in the fucking oven. - Oh. - Yeah. - Just pack it up. - Let's get the fuck out of here. - Oh, it helps sell that son of a bitch. And we made all our money back. So it was all. - Yeah. - No, so that's it, man. Three boys, Levi just turned three. Twins will be two in November. I'm at like that weird place where it's like, I can't even go outside with them because the twins go different directions. Levi's just screwing around with trucks. But one of the twins is trying to run into the street. The other one's in the backyard. And I'm just like, - Yeah, I do. - Oh, dude. - You're out, man. - Yeah. - Okay. - Yeah, even even when your wife's there, it's made up. - Man, I'm still out of a man coat. - You got to play zone. - Yeah. - Zone for sure. For sure. - Yeah. - You get the twins. I'll get the three year old. - Yeah, it's like, I want to get you guys fresh air, but I can't. - Sure assholes. - You're locked in this room. - Yeah. - It's getting that dining room. - Yeah, no, open a window. - I shut the door to the back rooms and I shut the door to the bathrooms because you know how that goes. Everything goes in the toilet. - All right. - His new, Calvin's new thing is he likes, I want to play with the spinner. And he just goes and like spins the whole roller to it. - You're playing with daddy's water bill. Stop it. - It's just like, it's been the whole toilet paper out. I'm like. - Yeah. Oh yeah. I don't know how many. We have this stupid toilet paper holder that just like freestanding. - Yeah. - It's a little arms. They just pull it off and just put it in the toilet. That's a fucking roll. - I had the other day. I'm peeing at the door open. Calvin comes in and just like tries to like grab the stream. I'm like, dude, what are you doing? (laughing) I'm like, dude, stop. - I know. - I know. - Trying to pee in the toilet while he's like trying to like grab it and slap at the stream. It's peeing into the toilet. I'm like, dude. - Yeah. - If you guys do that. - Have you guys started potty training yet? - Yes. Oh dude, he shit on the toilet the other day for the first time. - That's awesome. - And it was just like a fucking fluke thing. Like, you know, we were not even like. - Amen. - It went to win. - Yeah. - Gino is like, she goes, are you pooping? She he goes, you know, and she goes, all right, let's go to the bathroom right now. And we have like little training toilet in there. And she set him on there. And he actually like dropped a log in the toilet. We were like, yeah. And so then the poop fairy came and brought him a new toilet. So, so now he's trying to get the poop fairy to come. - Dude, I'm stealing that. Cause Levi's just starting. We wanted to start him earlier, but he's. - Yeah. - I'll tell you what, keep going. - The greatest trick we had, we had both the boys potty trained in a weekend about a, well, about a week. Just let him around naked. - Yep. - Just naked. - And Josie said that this morning. - My starting Friday, no diapers until Monday. - Yeah, so I was just not even just trying to leave for the weekend. - I've got showings every day from 9 a.m. until 9 p.m. - Yeah. - He's all yours, honey. - Yeah. - Like you guys give your like kids options and sit. My grandma would just sit me in there, turn off the lights to figure it out. - Yeah. - I mean, it's a way different time now, but anyway. - I get it. - We would just let them run around the house naked and - Not should be my ass. And that was the thing. I mean, obviously there was a couple of times where I dropped a deuce on the floor, but you know. (laughing) - They learned quick. - This year's living quick. My girlfriend's three year old. He did the same thing with them. Just ran them around naked, potty trained in a weekend. - Yeah. - Yeah. - Like here's the thing at three, they know when they have to go to the bathroom. - Two, yeah. - I mean, we're Calvin's at like, it's a little young. He might not, like he knows that he's going to the bathroom, but he doesn't know like what it is that he, when he has to go. - He knows when he's gone. - Yeah, he doesn't know when he has to go. - Right, we're at three at three. I feel like they've got that figured out. Like, we'll look at him and like, do you got to go to the bathroom? And he's like, yeah, I got a poop. I'm like, all right, well, let's go to the toilet and he'll run to the toilet. Or, yeah, I mean, it's, but there's times where there's some accidents. But, you know, as long as it's nice, 'cause with the hardwood floors, I don't have to worry about it. - Yeah. - And carpet or anything like that. - As we were saying, as we were coming up here, I was like, this carpet's, you know, seen better days, but I was like, I've got two kids under, you know, I was like, well, it's just, you know. - Yeah, I'm not fixing or doing anything in my house for the next five to 10 years. - Yeah, because it's just gonna get destroyed. - Just destroyed. He's a fucking wrecking ball. (laughs) - Just wait until little man gets up with him and they just have to be the shit out of each other and like. - That's what he tells me. My mom was here yesterday watching one of them and he's like, I want to fight Theo. I want to fight him and she looks at me, 'cause I was like, you know, telling him about, trying to get him, him and him always like, wrestling stuff. - Yeah. - You know, and he knows that I do Jiu-Jitsu and, you know, mommy. He goes, daddy going to fight and, you know, and so like, he's like, you know, he's saying that he wants to fight his little brother and it's just, it's hilarious. It's gonna be, I cannot wait till they're like, wanting to beat each other up and stuff. I got wrestling mats in the basement. - Yeah. - Awesome. - It's funny watching the twins, man. They like trade off being the alpha dog. - Oh. - Like Roman's fucking form tackling cash into the wall. And then the next week, Roman's getting his head pounded in. It's like, what the fuck? - How is it with the oldest? Is he, is he pretty good? Like, or is he? - He's, he's like a sneaky gangster, dude. He'll just like, come on, we're not looking. He just like, arcs him with his truck. (laughing) - Wasn't me. - Like, yeah, I'm like, I just fear him crying. I'm like, Levi, what the fuck? - What'd you do? - Looks at me. - Ooh. (laughing) - Don't look at that. - Oh. - Yeah, so it felt, dude. - Yeah. - It's like some good, like some good son. - You tripped. - Holy caulking shit. - Yeah, I'm like, come on, man. - The caulking meets like the Sopranos. - Yeah. (laughing) - Back to the emergency room again. I see. - He fell. - Yeah. - My wife's Italian, so. - How you doing? (laughing) - Yeah. - Resident Big Guido. - Do it. - Do it. - What got to the point with mine? - Do it. - We were always fighting, so I've told the story a couple of times, but, so I, they were like, punching each other, Baron Knuckles. I'm like, and they were hurting each other. So I'm like, I bought them boxing gloves. - Yeah. - Little kid boxing gloves, and we've got rules. No punching above the shoulders, no punching below the weight. - Yeah. - Waste, so all it is is body shots. And if someone gets punched in the face or hits in the nuts, the person that did the punching, they get punched in the face, so the nuts. And it's solved. - For sure, for a trade, yeah. - So it solves so many problems. - I'm not sure. - And they'll just go after each other body shots, and they solve their-- - That's my toy. - They solve their problems. - I was gonna say. - Yeah, it solves their problems, and they do it. They get it done with it, and then they're fine. - Yeah, at the end of it, they're sharing the toy. - Yeah. (laughing) - Boys will be boys. - Boys will be. - Hell yeah. - We were actually talking yesterday, a friend of ours was having twins, and we were just saying like, man, what a... Like, having twins first, I feel like is, would make like just having, you know, one kid, like, just a breeze. - Yeah. - Like, you did it the opposite way. - Yeah. - So you know what having a single was like, and then you had the double-- - It's like, we're about to have two of these motherfuckers. - Yeah. - At the same time. - Yeah. - And this dude is still super small. - Right. - We're getting fucking more. - Right. - Well it's almost better like that then, 'cause then it's, or maybe it's not, I don't know. But it's 'cause like, he's, you know, Calvin, I've been like chasing him, where he's like trying to pick up the baby. - Yeah. - That's a whole mother like thing. You gotta like worry about, you just gotta keep an eye on Calvin all the time. 'Cause he's gonna, you know, I'm afraid that he's gonna go try to pick up Theo, or, you know, or... - He was really good with the babies. - Really? - Yeah. - It's going out so much. (laughing) - So you guys are close to my size now. - I don't know. (laughing) - Start bucking. (laughing) - Like, buddy, you just wait, man. These dudes are gonna start tag team. - Yeah, tag team, you know, it's two on one. - Yeah. (laughing) - No, are they identical? - Yeah. - Nice. - Yeah. - Cool. - Yeah, I mean, people on the outside, they can't tell them apart, but I got pretty distinct, yeah. - Yeah, there's little things that you know and stuff, yeah. - Cash has got that big ass head. (laughing) - I love the names. - Yeah, cash room. - What's your oldest name? - Levi. - Levi. - Yeah. - Yeah. - Do you know what I wanted to name it? Levi was one that she wanted to name our second son. How have we changed it? - Yeah. - Yeah, we're going back home. - Settled on Theo. - Yeah, Theodore. - Yeah, yeah. - Nice. - I got her. - Oh, they're your boys? - Let's see, Conner's five, about to be six next month. Oliver's are five in December. They're 15 months apart. - So now they're like, homies though. - Yeah. - Like they do everything. - Yeah. - They're very, very close. - It's funny 'cause like, kids, it's like if someone's getting picked on at school, all the other one will step in it. Don't mess with my brother. - Yeah. - Oh, yeah. So yeah, there was an incident with a neighbor kid that was picking on Ollie, my youngest, and Conner stepped up and pushed the kid down and was like, that's my brother. Don't mess with my brother. Almost like, I'm the only one at all, but that's my brother. - Yeah. - Yeah, no, they're great. They get along great now. They, and really once you get past three, like three is just, to me three was the worst age. Like everybody talks about the terrible twos. Fuck that. - Three. - Yeah. - Like at two, they're still-- - Three to four. - Like three going to four. - Yeah, three that whole year. - Okay. (laughing) - Awesome. I just entered that. - So yeah, so like, so you're on the fucking Sunday. - Yeah. (laughing) - The little like the two, like at two, you know, you're sitting there and they're having their tantrums, but they like, and they're trying to figure out their emotions. - Yeah. - At three, I feel like they've learned their emotions and now they're just purposely being little assholes. - Yeah. - Like they're pushing those buttons. They're really like, they just become, it's like a three, they become little assholes. Like at two, they can't control it, or they just, but at three, they know, and now they're pushing the buttons to really, yeah, but once you get past three, like both of my boys at three were just, I'm like, what the fuck is gonna, like, what, what? And so, but once, once both of them turned four, they were just fine. - Yeah, at least I was sitting there full stride where he's like, I'll just lay on the ground and go, eh. Not doing this, get up and, and then he'll look at you like, you know, I was just being an asshole. - Yeah, you know. - Yeah, yeah. I'm caught. - Yeah, I'm caught. (laughing) - Where's the twins, they're just throwing tantrums like you said, trying to figure out why they're mad about something. - Right. - Wait, yeah, all of a sudden, what was he yesterday? He just started, he was like crying because God, it was something so funny and like stupid. And I was like, why are you crying? - Yeah. - It was, it was like, he couldn't figure out how to like, put something together and he just like, started crying. I'm like, dude, it's okay, look. And he was like, still crying. I'm like, what, like, I fixed it, it's good. - Problem solved. - Problem solved, it's all good. - I need to increase my patience before I ever have kids. - Oh, for sure, a little dude. - You guys deal with me. You know, like my tolerance for anything that impedes my anything. It's like, it even still like, I feel like I'm very patient but they fucking test the shit out. - Dude, that was the heart. I think that was the hardest part of my transition father 'cause I was like, later in life. I didn't rush to have kids. I didn't rush to get married. I didn't, I didn't, I had buddies that like, they were 25, 26 getting divorced and miserable. And I was just like, yeah, I don't really want that, you know? So that was my, that was the hard part for me was like, living this bachelor lifestyle, doing whatever I wanted, for as long as I wanted. I mean, I had season tickets to the Cardinals and Blues. I would go to 60 fucking Cardinals games a year. And like, I just loved doing that and that was gone. Like overnight. So it was like, that was the hardest part for me. And I had a little challenge with it at the beginning. Like I didn't handle fatherhood. Awesome out of the gate, I'll be honest. - And I didn't either. I, it's definitely a struggle, especially with, with what we do for work, man, you know? Cause it's like, when I got to the point where I'm like, having to like coordinate with her about me, like doing work things and stuff like that's when it was started to get really frustrating for me. Just cause I was like, this is like how we make money is how we pair bills. Like I need to do, I need to go show these houses. I need to go do these things. But like, I need to like, also realize that I can't just leave her hanging with, you know, with the screaming baby. And yeah, it's just a hard transition at first going from, you know, doing kind of whatever you want. I mean, me and Gina have been together since we were 18. So, you know, we've been together, you know, well, almost my entire life, or you're not my entire life, but like half my life at this point. - They say a damn near as long as. - Yeah, as long as I've known each other longer than we've not known each other at this point, you know? And, you know, but just like transitioning from, you know, kind of doing whatever we want. We've always been like super, you know, easygoing with each other, like never controlling or anything like that. But obviously things change when you have a kid. And like, it's just a big transition. And, you know. - For sure. Same, same. And it's just the opposite. Like my ex-wife was a realtor. So she's got her stuff, I've got my stuff and trying to figure that out and balance it and make it work now, where we're both trying to coordinate around it. There was a lot of headbudding. And I mean, I don't know about you guys. But I mean, obviously, you know, women are carrying this baby for 10, almost 10 months, you know? And they formed that attachment to it. I mean, it took me a while before I was like, "I love this little guy." Like, that was the other thing. There's not a lot that we can do in the first few months of its life that it just, it were just kind of like, I tried to help, but didn't really, wasn't, you know, she wanted to take care of everything. And I'm like, "I'm here. I can do something." Right? I didn't really get that attachment or bond for, I mean, it took a couple months. Well, I feel like I was forced to, that Eva's birth was sketchy. Like, he came out and he wasn't breathing and like, they took him from us and you had to get flown down to Carnablennon. - Oh, shit. - He spent, like, Josie didn't even get to hold him after she had it. - Oh, shit. - Like, it was bad, it was bad. So like, and I had to go down there by myself as a new dad, she wasn't with me. Me and my sister, super fucked up. Like, like you said, you look at this little baby, you're like, "What do I do with this?" - Oh dear, I knew not to change a diaper. - That's what I mean. And it was just me and there. Like, I was expecting her to have them all the time. And I'm just like, there to support and it was flip-flapped. And then like, for her to be able to not hold. - Mm-hmm. - Right. - You know what I mean? It was tough. - It was tough. - Yeah, we had kind of a similar situation with our first, not to the extent that you did, but he came out, he wasn't breathing and they like took him down. They said, eventually we found out he has what they apparently call in the hospital. They call it wimpy white boy syndrome. Apparently it happens to a lot of white boys that come out as a C-section. And supposedly like when they, you know, when they go through the vaginal canal and like get pushed out, like a lot of the fluid and shit gets like pushed out of their lungs or whatever, when they come out that way. But with the C-section, they don't get that. So he came out and he had like a lot of fluid in his lungs and they didn't breathe for, wasn't breathing right. So they like took him to the NICU. And so I had to go down there and like, you know, by myself, you know, I'm like FaceTime and her, you know, and it was like, yeah, she wasn't able to hold him at first until like, you know, a couple hours later, which was weird, but yeah, not to the extent that you had, you know, having to go to a whole different hospital, like that's gotta be terrifying. - It was shitty, like super crazy, but now he's of beast sounds. It all worked out. - I do. - Did you watch the C-section? - Yeah, well, I've looked over the curtain. I've looked over the curtain. - It's, yeah, so we've, she's had two C-sections now and it's fucking wild, 'cause they literally like, pull all the shit out and set it to the side. - Dude, it's crazy. - It's crazy. - It's crazy. - But both times we didn't know, we didn't know the gender going in. So that was, that was really cool. Both times, like not known. You know, we had our boy name and her girl named picked up both times and, yeah, it was cool. And it's a, yeah, for anybody out there that's, you know, gonna have a kid, I think it's a great, it's a fun thing to do if you can handle not knowing. - Yeah, I couldn't, I couldn't, yeah, we had two. - We had to stick them out quick. - Yeah, it's just, it's fun, man. It's, this makes that day even more like fun. You know, she's like, oh, man, we haven't, you know? 'Cause like, well, that was the last couple of weeks. I just wanted to know, is it a little girl? What are we, what's coming out, you know? - Well, how's it gonna say, man? I feel like, for me, I had to process that. Like, if it's a girl, how am I gonna be? - Right, right. - That's how, you know. - Yeah, it's like such a thing, though. You know, you can't really, like, I, at least I can't, like, plant, you know, it's just, I feel like it's, I'm gonna be what I'm gonna be, you know? Like, I feel like me planning out, like, how, what I'm gonna be doing, you know, when this girl's 10 or whatever, you know, like, I'm gonna be a completely different person in 10 years from now, you know? So that's, you know, we just thought it was fun to not know, just make it more of a surprise, and make the day a little bit more special. - No, I like it, man. - That's fun. - Yeah, I mean, the rise of gender reveal parties that, did you guys do a gender reveal party? - For the twins, yeah. - Did you? - Yeah, we didn't do one for either. The first one, we found out, the second one was an accident. She went in, and we thought it was too soon. It was, like, her 20-week ultrasound. - Yeah. - And slotted, said, like, oh, he's doing great. You know, and she's, and she was-- - Yeah, we always had to let him know, like, oh, we don't have to-- - I wasn't even there. She's like, oh, it's just my 20-week. You don't have to go. We're not gonna find anything out. We're just making sure everything's healthy, and I think I had a closing that morning or something like that. And then I come out to a text message, well, I know what we're having. And I was like, what? She's like, yeah, the nurse let it slip. So I called her, and she's like, yeah, we're having another boy. I was like, all right, cool. - Anything we all got, boys, I just thought about that? - I don't know. - I just added three more. - Yeah, fuck yeah. - Oh, yeah, you're a girlfriend is a girl. - Three boys. - Oh, wow. - Three nine and 13. Just turned 13. - Shit. - Yeah, it's just a trip down. Where'd you go, Indiana? - No, with all five of us and one up to Iowa. - I would. - Yeah, so that's where she's from. - Wild times. - Oh gosh, yeah. - Five boys in a car. - Oh yeah, the older boys, 'cause they're, I mean, they're going through a lot of changes right now, so they're kind of the wild and crazy ones compared to like-- - 13 now, the three four and five year olds are, I mean, they're fine. You know, it started to take four showers a day and shit. - Yeah. - Oh, no, that's, that's for sure. Like, we're like, Owen, you don't need a shower again. - Yeah. - You've got five, like, no, I'll give you two. You get five minutes in the morning, you get five minutes before bed. (laughing) - Those long showers. - Yeah, you do not have a head cold and you can't keep a clean accent as fucking else. What's up, dude? (laughing) - When we bought our, when we bought our new house, they had teenage boys. - Oh boy, dude, we found a homemade flashlight. - No. (laughing) - We had a contractor over doing some electrical work and he ran this electric wire and he opened up this cabinet and he was like, he's like, "Hey man, "I'm not gonna touch this thing. "Can you come down here?" And I was like, "Talk about it." So I go down there and yeah, this dude made a flashlight out of a tennis ball can. (laughing) And we were like, he was just nutty in his tennis ball can. Yeah, there is like, I don't know what was in it, but it was old and disgusting, so I mean, so I had to like-- - Didn't dissect it? - No, I didn't dig, I didn't dig into much, man. I wasn't, wasn't that curious. (laughing) So that was definitely the grossest thing I've ever seen, but-- - That wasn't disclosed on the-- - Yeah, right. - I'm just supposed to-- - Should have reached out. "Hey, do you guys want your homemade flashlight instead?" - Can I get some comps on this, please? - Yeah. Go drop off the relay. - This wasn't listed in the personal properties section. - You forgot this. - "Is your son an engineering student by change?" - Yeah, 'cause it's a brilliant mind. (laughing) - I mean, it had, but like, here's my thing is like, it couldn't just be a can. It had to be lined with something. - Yeah, I don't know what, I don't know what was in there. It was, there was something in there, but-- - Right. (laughing) - Yeah, I don't know. - I just ran wrapped some styrofoam in that thing, a little kind of jelly, it's kind of human. - I don't know what it was. (laughing) - Follow me for more flashlight tips. - Yeah, right. (laughing) - I'm all, dude, I'm gonna create an Instagram. (laughing) Just for flesh, lights, and pocket bucks. (laughing) - We'll podcast about that. - Yeah. (laughing) - Well, if you want it, I can probably find it safe. - Yeah. (laughing) - He kept it. - Ah, study it. - It's preserved, it's been starched. (laughing) - I was gonna say, it's definitely, yeah. (laughing) - Actually, the more I think about it, like, now I'm actually coming up with some creative combinations. - I'm like, what if the son of a bitch invented that, but he didn't know he invented it, and then he just got fucked out all the money, you know? (laughing) - Well, he just just got over here. - He's just over here banging a tennis ball can, and it could've been a fucking-- - It could've been a fucking-- - Between the couch position. - Yeah, exactly. (laughing) - This is in a really unique series of interviews we've done recently. There's just only something coming up about, like, I don't know. - Shit in your cell. - Yeah. - Flesh, flesh, lies. - I think that Adam was talking about in the house on Ultimate Fighter-- - Oh, yeah. - Oh, yeah. - Shower thing. - Oh, yeah. - I just took off. - And we were just talking about kids the second ghost. - Well, I had a listing appointment. - That was the worst. - There was a-- - Larry. - The guy, her boy Larry. - Long live Larry. - Long live, long live one-legged Larry. (laughing) - Oh boy. - Yeah, old gentleman went on a listing appointment, and this guy is one leg in a wheelchair at this house, and basically, I didn't know this going over there, but when I get over there, he tells me, "Oh, I'm not looking to sell for another eight years." I'm like, "Okay." - Well, I might as well take a look around while I'm here, and I go and look in this room, and he's got this whole sex room set up with a bunch of dildos and these weird medieval-- - Stable. - It's like the stockade thing. He had this chair with straps. - Oh, yeah. - He had the Ramsay Bolton cross from-- - Oh, god. - Yeah. - And I'm like, "Dude, what is this?" - Yeah, it was just crazy. And he gave me no warrant. 'Cause he stayed in the living room in his wheelchair, and I was like, "You care if I just look around, so I kind of know what I'm doing." Yeah, go take a look, you know, and just no warning whatsoever. The only bedroom that was closed. (both laughing) - Jesus. - Yeah, take a peek in there, and I'm like, "Holy fuck." - Yeah, what the fuck? - I was gonna ask you what the weirdest thing you've ever seen is I have to assume it's that. - That's that, that's that, yeah. - What about you? - I went into a house in Tarver of South. There was a fucking actual vampire lived in it, so they're a primary bedroom now. We can't say master anymore. Primary was, they had a fucking coffin in it. It was a legit coffin, black painted room, with candles and shit everywhere, and they slept in a coffin. - Nice. - Wow. - That's like the couple? Like they both slept in a coffin? - They had two, there was two coffins. - Two coffins. - A vampire purists, you know, asleep in a coffin. - Right. - You should be hanging upside down from the ceiling. - Right. - Yeah, if you're gonna be legit. - What was the-- - Get an inversion board. Those things are legit. Those things fucking work. - Oh, I know, I've been on one. Are you great? - Now, what was the rest of the house like? - Super dark and fucking sketchy, like weird. - Catholic, yeah. - Catholic as fuck. - Where'd that lead come from? - Oh no, I didn't, I showed that house. - Showed it, okay. - And they left it like that? - There was no interior photos. - Oh, so you had no idea what was shot here. - Yeah, walked into a fucking castle, Transylvania and shit, I was like, what the fuck? Walked into Van Helsing. - Yeah. (laughing) - All right, real question, you're been in a haunted house. - Not to my knowledge. - Do you believe in that shit? - Yes, I do. - I mean, I don't think that energy ever really dies. - Great. - I think, yeah, I think, I think like buildings, old memories, I think there's something to that. 'Cause like, there's sometimes you just walk into buildings and you're like, there's some shit that's happening here. - You can feel it. - You can feel it. - You can feel energy. - Yeah, there's some tightness in the air that comes with trauma being in a place. And it's just like, it's kind of like that idea of like the conjuring, it's like a conduit. The minute you step into it, like, oh, that's not normal. - Have you guys been to Limp Mansion? - I have. - As soon as you step in there, you just, you're like, fuck. - Yep, yep, so. - Yeah, I've never, yeah, I've never like seen anything or like had any like crazy, you know, like door slam and from me or anything like that or seen anything like move or levitate or anything. But like, I've definitely like walked into buildings where I'm like, who sits? - We had a house, we had a house in the Simo and mind you, that was like a, there's a lot of civil war activity down there, a bunch of crazy shit. And we found out that this house was like, they housed injured soldiers and sure hell of people died in it. - Sure. - And on night we, it was me and we had three total roommates going into Thanksgiving break. We had a poker night, everybody else was like leaving town. So the guys that, my buddies that were there, we all played poker, shit in and just hung out. That night, I'm the only one at the house, my other two roommates were gone. We had, we had finished a Jack Daniels bottle around the table, I just put the empty bottle up on the fridge that night. - Classic. - Yeah. - It's a drunk one. - College. - Yeah, but we was in kind of a shitty neighborhood. So I'd always lock up and make sure everything's squared away, go lay down in my bed and my TV does that fuzz, which is like out of nowhere, I'm just watching sports in and all of a sudden, it's like, I'm like, what the fuck? I hear boop, boop, boop. And I was like, yeah, dude. I had this like fucking foot long buoy knife next to my bed and I'm like flipping lights on my top motherfucker. - Yeah. - Where are we at? - No, I was hammered. I just thought I was gonna do something. - Yeah. - Yeah, I probably would have got my ass kicked and killed, but whatever. No, so that, everything was locked. Nobody's in the house. That Jack Daniels bottle went across the kitchen, shattered on the wall and put a dent in the wall. No, I just got up and, dude, I'll get. - Oh, dude, yeah, dude, yeah. - No, so I'm like, and it was that type of house where like you'd go down to do laundry. You could, like when you're going up, you're like, fuck. Like looking behind you, you could feel like energy, like get the fuck out. - Yeah, run up the stuff. - Oh, shit, I just remember that night so vividly. And I like called some other friends. I was like, I gotta get the fuck out of here. And they're like crazy, dude. Yeah, that was just crazy. - That's crazy. - So I never felt it, but I had similar situation in college, not my roommate now. He did smoke a lot of weed. So let's preface that. But we lived across from a cemetery. And the crazy thing about the cemetery too, is if you looked out the front door, there was a tombstone that said, "Peed oil." I was like, that's kind of weird. But anyway, yeah, he would be like, again, never, I never experienced it. I thought I had, but it was just him high and drunk and the thing flipping the lights on and off. I thought he was gone. I woke up to the lights going on and off and then I woke up and it's just passed out on the floor in the kitchen. But he was always like, "Oh, dude, I swear I see things move." And there was a hand that came out of the wall at me. And I'm like, but I mean, if you went in our basement, like our base, the house was held up with about four feet of dirt throughout the entire basement and tree stumps. - Oh yeah, there's tree stumps. - Tree stumps, yeah. So it's like, oh, maybe, I don't know, maybe they ran out of room at the cemetery and they buried them underneath the house. I don't know, but it was fucking weird. But I mean, I never experienced anything, but I know that he was most crazy. - Well, now you guys got me thinking and I'm, I guess I'm remembering a couple of things now, but I had my fraternity house in college. All the bedrooms had a name. So there was one room that was called ghost room 'cause some guy killed himself in that room. And there was always some weird shit that kind of went down in the house. But I never experienced anything like, I'm sure I could think hard enough and find some stories that people said, but like, you know, there was like things you'd hear and stuff, but nothing like that crazy. - Yeah, I have never experienced anything, but I know, I believe in that shit. - Oh, but yeah, but it was rare that you were in the house alone, you know, 'cause there was like 25, you think like full capacity of the house slept like 20-something dudes. - That was it, that was the, maybe the only time I was ever there by myself. - Right, 'cause you were outside of like just daytime, people were having a class or doing one of their clients. - Yeah, you're never there. - It was the night for myself for a weekend. - Yeah, so did you end up going to one of your buddy's houses? - Yeah, I did not stay there. It was fuck no, no, dude. I was like, I'm moving out of this motherfucker. - Especially the fact that it went across the room and it was small. - It went from like this window to the TV. It was like full, you know, across the room. - Yeah, it didn't just fall off the fridge, but that in itself would've been scary. - Sure, yeah. - For it to go, like, but I'd sail across the room. - I feel like a crazy person when I tell that story, but like, that shit happened. - Bro, I got fucking-- - Yeah, yeah, yeah, yeah, yeah. All that hair on your arms, standing up in goosebumps, like, there's something to that, for sure. - That soldier was probably told that this was going to help his pain and the-- - Yeah. - Yeah, he went up to get the jack-- - He's like, "Jackie, fuck it, motherfucker!" (laughing) - Cocksucker's drinking off. (laughing) - Captain Jack Sparrow, where's the rum? - Yeah, why's the rum going? (laughing) - We need more rum. - Yeah. - Yeah. - Oh man. - Yeah, yeah. - So, well, anything else you want to pitch while we got you here or anything like that? - I don't think so, man. I don't have anything big coming up, like I said. I'm kind of in a place where I'm transitioning to focus on building some generational wealth with the boys, and I would like to have property for each of them that way when they graduate and they teach them about cash flow, they have their own place to either live or sell them, do whatever they want with it. But I just want to teach them things that I didn't necessarily, I wasn't taught, right? - Yeah, I want to do something similar. Like, I want to buy each one of my kids. It's like, that's, you know, that's your kind of, you're, you know, when you turn 18, you live there, you can sell it, you can, you know? - This is your start, right? - Yeah. - I'm giving you a start, and what you do with it is on you. - Yeah. - I hope that I've taught you enough that you don't fuck it up. - Right. - And if you fuck it up, that's it, bud. - That's yours, man. I'm not giving you another one. - That's it. - Yeah, that's it. - No, I love that. - I mean, they're great college plans. - And if they decide who knows what the fuck college is. - Well, that's what we were talking about the other day. - Yeah, dude. I mean, we were saying, like, I mean, this college even gonna be a thing when our boys are, you know, 18. - If I could have gone back in time, I probably wouldn't have went. - No. - I think the best thing I got out of it was some of the relationships. - Oh, that's exactly what I was gonna say. Like the friendships that I made, and like some of the people like I've, you know, and I'm still friends with today, I've closed a handful of transactions from my buddies from college. But like, other than that, like, yeah, it was a book. You know, I got a big piece of paper that I've done nothing with. I've never used it to get a job. I've never, you know, yeah, so who knows? When we, you know, in 15 years from now or something, you know, when all our boys are getting ready or, you know, getting toward the end of high school, who knows what it's gonna be a thing. 'Cause we were talking about, you know, setting up some sort of, you know, account or like, retirement account. - Go 529. - Yeah, yeah, go 529. - Yeah, is that the one that, there's one that can only be used for college, right? - 529. - Yeah, it's 529, it's a school. - And so we were like, oh, do we, I don't know if we do that. Like, I don't want to put all this money into that. And then, if they decide they don't want to go to school. - Yeah, I mean, we had that option with the financial advisors that I work with. And back, there's a lot of changes to it. But back then, it can only be used for school. So you put all that money in it, you can get your principal out. But if you don't use it for school, then you've lost any growth that was in there. So I mean, I opened up, you know, I'm like, I want my money to be versatile. So I did like a VUL. So it's like a cash value life policy. So they got the life policy, but then there's a cash value attached to it. And it grows, you know, it's been averaging about 12%. So, I mean, we did a rough number. And by it's like 175 bucks a month for each boy. By the time they hit college age, if it continues to grow, it should be about 80 grand. - Yeah. - That they can use. But I'm actually looking at pulling cash on my life insurance to buy my next row. - Oh yeah. - Yeah. But it's something too that I didn't need to look into that. And because that was part of the plan prior to the divorce, was looking into getting into investment properties. But that divorce will put any of those plans on the back burner real quick. - So. - Oh, we'll get there, bro. I eventually, you know, when podcast is huge, and it wasn't coming in, you know. - Yeah. (laughing) - Just buy a podcast studio. - Yeah, no, that'll be, that's, I mean, that's one of the first things I want to do whenever, whenever, you know, this down the line, I get monetized and we start making some money from it. I would love to just get like a small commercial space for us to just rent out just because it's, you know, with, you know, my one son, that's his bedroom there. This is the other one's here. So it's like, it kind of limits the times that we can, like do this. It would be cool if like, on a Friday night, you know, we wanted to like get together, you know, and have do a podcast. - I mean, just see your shorts and shit though. Like I, I for real didn't know this is in your house. - Really? That's what everybody says. - It's a cool, it's a cool setup. - Yeah, yeah, I mean, we should. - I totally would take, just take everything in here and move it into, you know, I mean, we just need a small little space. It doesn't need to be anything crazy. - Sure, just create a little bar in there. - Yeah, well, I was gonna turn that into a little, I mean, I have it, I had them run some electric in there. I just haven't done anything with it. I was gonna, we're gonna remove that door and make like a little coffee bar kind of thing. - Oh yeah. - Just throw one of those shells in there and line it with booze. - Oh yeah. You could definitely do that. 'Cause we're gonna get rid of one of the shells and we'll get the sign. - Not a bane, boom. Perfect plan. - Yeah, there we go. - I love it. - Well, before we let you go. - One last question, we call this the tombstone game. (laughing) - I forgot to talk about ghost and shit. - Yeah. - Yeah. - All right, here lies Aaron. What's the 200 tombstone? - Yeah. - Ready for that. - Take a second. - That's, that's why, that's. - Mine was global enemy of communism. (laughing) - I like that. - Fuck communism. (laughing) - You be that? - I think. - Fuck communism. - Yeah, fuck communism would be line one. (laughing) - I don't like this guy. - Yeah, present, present father, hard worker, big dick. - There we go. - That's my favorite one so far. (laughing) - I don't know, I was not prepared for that. - No, that's why we like to ask it. It's something that catches good. - Yeah, that's good. - No, I used to want like the largest funeral procession. Like that was my goal. Like if I had a bunch of people in my funeral, that'd be awesome. But like, I feel like the moment I hit 40, I quit becoming like a people pleaser and it's just been like, I want my type, all meets. So like, that answer would have been complete different for me probably three years ago. Oh, it's just like, if I'm looked at as a, I was a good father, I worked my ass off. I tried to provide for my sons and I've raised smart, strong young men. That's all I need. - Epic. - Yeah, it's amazing how kids change things. - It does, it has changed everything. Over the last, you know, two years, life is my, just life and my mentality toward everything is changed. - Yep, we're sure. - Good. - In a good way, in a great way. I mean, for sure. - It's good stuff. - Wouldn't do anything different. - Thanks for having me on, boys. - Absolutely. - Thanks for coming on. This is fun. - Oh yeah, dude. - Absolutely. Well, thank you guys for tuning in. Please hit that subscribe button if you haven't already. Comment what you guys thought below, hit the like button and we will see you next time. (upbeat music) (upbeat music) (upbeat music)