WHY YOU SHOULD NOT RETIRE EARLY

0:00This episode is brought to you by Indeed. Stop waiting around for the perfect candidate. Instead, use Indeed Sponsored Jobs to find the right people with the right skills fast. It's a simple way to make sure your listing is the first candidate to see. According to Indeed Data, sponsor jobs have four times more applicants than non-sponsored jobs. So go build your dream team today with Indeed. Get a $75 sponsor job credit at Indeed.com slash podcast, Terms and Conditions Apply. Is early retirement worth it? Folks, at the end of the day, if you want to retire early, I think it's fair to say you will need to sacrifice. You will need to sacrifice for a long time. Potentially a decade or more. Is it worth it? We're going to talk to the three amigos. All three of us have retired early. And we're going to talk about it. We've all been through the fire and the muck and the mire. And I'm just not sure it's worth it. I'm not sure I'd want to do it again. So let's have this conversation. Where we start with you showed up first.

1:01Matt, you are the lucky duck today. What do you think? Is early retirement worth all the sacrifice? I miss those QBI's so much. I know. Quarterly business reviews that is part of corporate America. They can suck it. It was awful. Yes. And now we just we'd be we'd be likely handing out comp plans right now eight weeks late. Yeah, probably. And all the reps would be pissed because no one's like I don't even know how much money I'm going to make this year. It's like just go on that's going to be around what it was last year. And then you will hand them out. And then somebody goes absolutely mental because they're like what are you talking about? You cut my territory in half and you doubled my number. And you're like welcome to being a lead dog. That's the way it goes. Big boy. So yeah, is it. I mean, it's just. I don't like it. Like Dion said, like you said, I don't miss it for a day. I don't not any part of it at all on any level. A couple of the people that I worked with that I brought into the company that I worked with for 10 or 15 years.

2:05Those are still the people that I still talk to today. And they're both gone. They both left, you know, so. It's yeah, I wouldn't I honestly I would not trade it for anything. And the cool thing was is I had a I had a healthy enough foundation where there was literally zero sacrifice other than turning my laptop on every morning. There you go. Well, Dion, how about you? You you stuck around a little bit longer. You know, you you went through some stuff there at the end that you're like, hey, this is a good day. Let's get out of here. I don't think matter I saw it coming. At least I certainly didn't see it coming when you when you jumped. Is it worth it? Is the sacrifice worth it? I think there are a lot of people that it wouldn't be worth it for. Yes. And when we talk about reaching financial freedom, retiring, early making work optional. When I hear the knee jerk reaction of I don't know what I would do with my time. I'd be afraid I'd get bored.

3:05And the weird one is what if I lost it all? We don't have it all now. So maybe back to where you are. So the people who can justify staying poor on purpose. Right. Not wanting to own investments that would make work optional. It would definitely not be worth it. The things you have to do the way you have to cut back that we have to focus on increasing income. Learning an asset class, whatever it is, crypto stocks, business doesn't matter. But the amount of effort it takes. Well, a stock portfolio where the 4% rule completely sets you free. It's pretty passive. You're still staring at charts and wondering what the stock market is going to do in the next few years. Have to keep your reserves and your bucket method. With real estate, owning rentals fairly passive. Right. The amount of time it takes to manage your property manager to manage our properties isn't like having a job. But getting here. Yes. Getting hard enough and spending low enough to invest in stocks to have the 4% rule set you free.

4:10Starting and growing a business towards large enough where someone else takes over and runs the day to day is life consuming. Acquiring rentals, learning your market, stabilizing your rentals, teaching your tenants, getting your systems in place is life consuming. For a lot of people, I don't think it's worth it because if you don't know what you would do with your time, I think that person's entire life is a waste. Because their life only has value if they're compensated for their time. That's very sad. And if they say they would be bored, they're a boring person. I've never been bored in my life. I think in order to be bored, you have to be boring. And take away my obligation to have a schedule or a alarm clock or a meeting or anything. And I fill out with something fun to do. Like there's no end of things that we can do in life. And that people have to be paid to fill their time makes me realize they don't understand their job is killing their time, not filling their time. And so for some people, it's not worth it. For me, if I lost everything, it would be a 10 year journey.

5:11It would start the day that I lost everything. Yeah, I agree with that. It's funny. This topic came to me after reading a business insider article talking with people who retired early and they highlighted three things. And Dion and Matt, you both hit on number one and that is bored of. Number two, just so we can get there is your identity shifts. I don't know about the two of you, but when I think about who I was before that February day and who I was after, completely different person. And frankly, it was uncomfortable. I didn't see that coming. Right. So managing our identity shift is real. And the third one was second thoughts are the third one was second thoughts like what I wasn't a mistake that I do it too early. Should I stuck around for another year, you know, all of those concerns. But I think you guys are right. Hey, I don't think people realize. I don't think people realize the level of sacrifice we three collectively have made. I really don't think that they kind of look at the end of the story and go look at that. The story ends pretty well.

6:14But they don't, I don't think many of them would want to repeat what we did for 10 to 15 years. I don't think many of them would do what we did for a year or two. What do you think, Matt? No, I mean, that's one of the things we talk about, you know, that guy that I sent over to you who is, you know, pounding his chest on not ever house hacking. Yeah. Whatever I could buy you like 50 times over, shut up. And he's like, oh, that doesn't make people wealthy. Well, it made me wealthy. I did it nine times in 13 years. It set up my business. Those nine properties are worth about six million bucks. Like worth it very much worth it. I don't understand his logic. How could house hacking not be an instant wealth builder? You're taking your largest expense except taxes to zero or near zero. Yes. You're having other people pay down the mortgage. I mean, I don't understand how anybody could say house hacking is not the key to financial freedom.

7:17You might be able to say it's not the only key. Absolutely. Well, we grew partly a key. But, but it leads to so many other things. Deon and I living on a few hundred bucks a month, you know, like we were, we had no money. Even though I had a great job, but the economy, the great financial crisis hit. And I was making 40% when I was used to making like massive cuts. And I'm like, holy cow, if I had the big house, like everybody else had. And you would just see them wearing the stress every day coming into their job. And it was, it was just, I was, they're like, oh, how are you doing? I was like, great. Like, what do you mean you two agree? I could do it. I got a $400 a month. What do you 400 a month? Yeah. Unemployment can pay for it. My entire month is less is less than your car payment. Yeah. You know, and it was, it's the things that people, I agree with you. They aren't willing to do it. And like, well, I really don't want a house hack. I actually had, oh, I'm going to share an awful story.

8:20I had somebody in the family. They're like, I want to do what you do. And I go, you can't. And he goes, of course I can. I go, no, you can't. You don't have what it takes to do what I do. You just don't. And I was doing everything I could to get the know. I wanted to know. And he like, he's like, well, I want to do it. And I said, all right, here's what this is going to entail. And here's just your first year. And he goes, yep, you know, I think I want to do it. And I purposely set it around his wife. I got the text message so fast after they got in the car. Yeah, it's not going to work for us. Exactly. You couldn't do it. And so this is the problem now. Am I talking about his wife being an anchor? Maybe a little bit. But they aren't both equally invested in creating the future that they want. And that's what this is. It is a mind share investment. It is a time investment. It is a skills investment.

9:20I got a bunch of skills that I never really wanted to have. But I had to get them if I wanted to be able to do it for less money and get more efficient and get better at every single day. Did I ever expect it was going to turn into a coaching business? Not a million years. That was never the intent. But I can honestly tell you people are not willing to do it. And the crazy thing is it's some of the silliest, dumbest, most juvenile five year old excuses. I've ever heard of my life come from people that don't want a house hack. I mean, it's unbelievable. So it's like I just honestly now I used to own their problem. And now I just laugh at that problem. Yeah. Sounds good. Like enjoy being poor. It's cool. It's really funny because again, I you know, I get all the I hear the same thing. I will live in I never a house act. But you know, if I could do it over again, that's what we would do when I was 20. Which would which would allow us to start a decade earlier. Yeah. It would have been amazing. Yeah.

10:20But it's just really interesting to me to hear people's, you know, want to do it and then not want to say I was like, I don't understand. You want to get fit, but you don't want to work out. I mean, it's like there's a lot of cause and effect here, folks. But it's pretty crazy. So the guy that would never house hack and house hacking doesn't make you wealthy. It's because he's hanging around people who are trying to get to a $70,000 a month spent. And so speaking about the identity shift, you know, your identity going away. Erica Williams, who has a great YouTube channel. She's an investor, she invests in real estate. She has a great YouTube channel helping people learn how to invest. So Erica was in my comments last night and she left a comment saying, your identity doesn't go away. It changes. Your friends don't go away. You replace them. Yes. And so it's summation of what she was saying.

11:21But it's not like you just stop hanging out with your friends who are stuck in the rat race, stuck in the gride, stuck in where you used to work. You now have time to find people who have time, who fill their time with things you want to do. You'll gravitate towards the kayaking group, the scuba group, the travel group, that whatever that your hobby or passion becomes that isn't tied to income. This is the possibility of life that you open up that the person who is trying to climb the corporate ladder, work until they're so old they can't enjoy their retirement, can't see. Because they see if I lose work, there's a void. Instead of building a life where that job is what's in the way of that life. So that you want to invest, you want to put your money to work so you don't have to. So you can take your time from, I have to be paid to go to work. I have to be paid to spend time with these people that I would never associate with. But since we're locked in a room together eight hours a day, we might as well be friends. To the people who actually have your same values, your same goals, your same hobbies.

12:29And the person stuck in the work mentality can't see how amazing life can be. Yeah, when I really think about this, again, I think a lot most, I don't even know if I would, I probably would say most people shouldn't do it. Because again, a lot of people want that work life balance. They want, you know, they don't want to miss this or miss that. They want to live, you know, like they say things like I deserve it, which is always one of those phrases that you just can't say when you're in this 10 year, you know, journey to being wealthy. And again, it's okay, right? You, you can absolutely work until you're 65. I, you know, I thought that's what I would have to do. But there isn't, there isn't alternative path and it starts hard, right? Again, I think, you know, it's either, you know, one day I'll do it or it's day one. And, you know, all of us chose day one. So Matt is, it's mean. I'm going to say it anyway. Um, talking is really your biggest purpose, really your biggest purpose, making somebody else wealthy.

13:35Is that really your, like that's the best you got. The best you got is making all of the people that work for me. We have paths for them for them to get wealthy while they work for me. That's simple. I don't understand why people's, so I promise you your boss will consider you a fart. The soonest, as soon as you say to them, I'm moving on. I've got something else. They won't give two shits about you. They don't care. They don't. I promise they don't care. What I really believe is that if that's your best and biggest purpose is going and making somebody else rich. You haven't spent enough time in reflection. The coolest thing is making somebody else wealthy when you're imparting knowledge to them. That's the only reason I haven't stopped doing my boot camps is because I know I'm making people wealthier than attend them. And I know I'm giving them keys, tips and tricks to make them elite investors and managers and essentially kings and queens of their castles.

14:43I just blows my mind. And you know what? That purpose, the purpose of helping others achieve wealth. Dion says it all the time when somebody else goes buys a property. It's just like he bought it when he gets to help. It's the same thing. So I got into baseball card back into baseball cards. I collected it as a kid. That's how I made my money when I was a teenager. I got back into cards, probably two years ago, right about when I retired. Because I was like, I finally have time to spend time doing some of this stuff, which is really cool. And so what's really interesting is is I connected with a couple of guys on the live selling platform, what not. And we just became friends and I was like, hey, would you let me help you? And then like with what? And I was like, just get wealthy. Would you let me help you? I've got some ideas. They were so cool about it. I mean, some people aren't believe it or not. There were a couple people that I talked to and they were just like, no, I think I'm good. It sounds good. I've only built a bunch of brands to tens of millions of dollars, but you're good.

15:43And that's fine. So you go because you want to sew into ground that's fertile. You want to sew into ground that's going to get watered. You want to and taking care of what's really cool is when those guys started out, they would do a show and they might do a show and they'd make, you know, 800 bucks, 900 bucks, a thousand bucks. One of them just finished, one of the two just finished taxes and everything and they were over a half million dollars in sales. Nice. In two years and that's with healthy margins. That's a year and a half. That's how much that guy's business grew. Now what he's looking at this year, I said, we're not really setting goals. I don't set goals. That's not the way I do it. I said, I just want to generally get better every day at what I'm doing and see where I can take the audience in his particular case of what he's selling. And he'll probably do 750 to a million dollars this year. Wow. And good for him. It's changed. It's changed his family's life forever.

16:45Forever. He's in his early 40s. He could have been stuck in the job that he was in forever. But now, I don't know that a level do it full time. But now he has fuck you freedom. There you go. He can go. I don't want to do that. Yeah. I want to switch gears a little bit on this topic and really go back to your first six months after you left work. What surprised you good or bad in those first six months? Do you recall? Well, yeah. So, I mean, it's really related to this conversation. You mentioned work life balance and how people focus on that. And I had right after pulling the trigger and walking away from the job that I really enjoyed. I realized that work life balance wasn't what I thought it was. Just like everyone else for most of my life, I thought it was work hard, play hard. Right? You've got work the week, do something on the weekends. If you scuba dive, if you have sedues, if you have a motorcycle, you're doing something when you're not at work to balance out life.

17:51And that's what it wasn't for me once I walked away from the job. And I realized that it's not a vacation. It's not some time off. It's a life sentence of not returning to work. That the balance was a decade of suck for complete freedom. Instead of a week of suck for a weekend, everyone celebrates Friday, 52 times a year. Every day is Saturday, every night is Friday night. Forever, if you put in that decade that sucks. And the other thing I realized right after retiring is I loved my job, but I was chasing income. My income, the employees income, the students income, I was working at a CDL school. And so if a student came over to the make sure they got a productive job when they quit the school and they graduated the school. I was working with employers. I wanted to make sure they can hire qualified graduates so their companies can grow. Like Matt said, these graduates are helping them make money. And agencies, the counselors at the agencies kept their jobs if they can get people enrolled to go.

18:51I was always worried about income. After retiring, I've been able to look at the world through the eyes of impact. And I'm pretty sure I steal this from the one rental at a time book. I think I heard it in the audible book when it was that terrible narrator voice, the first one. But something about impact over income. And if that just struck me so hard, I was I was thinking, when working, there is no way I could schedule our calls with people. One on one, there was no way I could hook up with Justin Canberra drive to some client of his house that comes to our local meetup and look at their rent. They bought a duplex and spend the afternoon just to spend the afternoon experiencing them close on their first house hack. Like when I'm chasing income, I would have to think there's no ROI on going and hanging out with these people. There's no ROI with like I don't invest the way Justin does. I don't know anything. But with impact, I can go, how do I feel? With the people that are benefiting from what we're sharing and it can be anything. For us, it seems to be investing, making work optional.

19:52For other people, it might be that custom car rebuilt in the 20 and 30 year old cars. It might be the kayaking thing where you're trying to get people to the next level, next level four, level three rapids, whatever you're working on. You get to experience that as long as you're not sitting there going, how do I have work life balance? Were you ever bored, Dion, the first six months? No way. No way. I've tried to think of a way to say this and I can't even come close to what the reality is. But I've said several times. You will wonder how you had time to work. Yeah. There are times. So I've been, it's over three and a half years now. I can think of, wow. I think I'm up for two now. Two days where I felt retired. Wow. In three and a half years. Yeah. There's just, there is so much to do in life that you don't have to be paid for. I don't have the words to say, here's what you can be doing with your life.

20:52But I'm doing it with my life. And so no, never, never bored. A little frustrated that I can't get to things. Right? There are things I would like books I would like to listen to or read places I would like to go a book I would like to write that has nothing to do with investing. But there's so much to do. How did we have time to work? Because we were all doing like 60 hours a week. Yeah, at least. That was a slow week. Yeah. Exactly. Crazy. How about you, Matt? What surprised you the first six months? You're on the other side of this because you actually have four little kids at home. How about your first six months? Less exhaustion. That was really a nice win. Yeah. They didn't realize how tired you were. Yeah. Well, no, it was, you know, when we were, so when I retired, so my, yeah, when I retired, we had just had, uh, we had just had my youngest daughter. And now she's, uh, she is, uh, two and a half, two and five.

21:54Yeah, she's two and a half. We had just had my daughter. And so she was like four months. Wow. And so she was, um, all the stuff. And Ashley does most of that with the kids because she has the gift. Thank you, God. She has the gift of you can wake her up. And as soon as she lays back down, she falls back asleep. It's an amazing skill. Oh, like, if there's ever sleeping in the Olympics, my wife, gold medal. Gold medal. She crushes. She crushes. And so for me, that was a huge blessing for me because I was able, because I'm one of those guys where I hear a pin drop three towns over. Okay, I'm up with it. Oh, no, I only got 90 minutes of sleep. That is not good. It's not going to end well. I am going to be grumpy today. Um, and so, and I'm not a coffee guy. So it's just, yeah, it's not not good at all. Yeah, all bad. So yeah, to answer your question, no, I mean, there was, it was, um, much like everything else, you are, you ate, you're able to clear your schedule more to have a different purpose.

22:54So it was being able to get to some of the smaller things in my company, being able to get to, you know, and managing properties. Hey, here's some different things that I want to do. And I, and I want to get through the rest of these things. You know, I picked up quickly. I picked up like three projects. And we're now starting to finish all of them. Yeah. And they're big, and they're the biggest projects I've ever done. Um, and I've already, and stated it's been put out there. I'm not doing another project for a while. Like I want the summer with the kids with nothing, but pool visits and all that stuff. And, but a lot of life has led to that. And so my kids, um, my kids act with a level of incredulity with other kids. So there's an SAT where can you, what's, what's the, what's the different word for that incredul, is that a real word? incredulous. They, they're, yeah, they're, they're talking to their kids and they're shocked. They're shocked that they're like, they're like, oh, yeah, you know, I just, I just went and I just opened up some packages. I just went and I just opened up some packs with my dad and I'm like, what? And I'm like, you did that today? I'm like, yeah, he took me to a card shop.

23:56Yeah. And they're just like, why don't we get to go to a card shop during the day? And I was like, well, I mean, your dad's at work paying for stuff, right? So it's awesome. It's a blessing. It's a, it's awesome to be able to be around your kids and not have somebody else, um, have to raise them. They're certainly circumstances in life change and you have to do what you have to do. But it's a huge blessing for me to be able to be home with my kids and, um, you know, hold them when they're sick and then cry when they make me sick. But yeah, it's awesome. One of the things that I think about when I, when the three of us talk about this topic is I hope everybody, the audience does what the two of you did. Which means they, both of you pulled the trigger when you were out, right? You planned for it. You, you, it was, it was on the vision board and you did it when it was right for you. Unfortunately, I think a lot of people are going, especially in the environment we're in now, we're going to get the notice like, hey, you're no, you don't longer work here. Right. And that's what happened to me.

24:56And I remember the first, it wasn't even the first six months. It was the first 60 days. I was the most depressed I'd ever been because I let my identity chair, you know, be the thing. And that was complete ego. It was complete ego. And, um, you know, I, I would, I would suggest most people do what you guys did and build something on the side, build a plan, do something, right? Take a hobby and interest, whether it's sports cards or guns or whatever it is and go do something on the side that you can build so that you have, you know, something little on the side. But yeah, it's, I definitely think people should do it the way you guys did is you guys make the call versus, you know, somebody else making it for you. Yeah. Yeah. And you mentioned guns. I'm going to have to eventually get one. I've always wanted to try that. Yeah. Yeah. Just one. You probably have one within reach. Only one. Yeah. Only one. Three. Yeah. And a sword and a sword just in case.

25:58There was a big change after retiring. Like we, I, I knew I heard you say every day of Saturday, because I kind of planned that's a thing that's going to happen. Yeah. I've heard people say you lose your work family. I knew that was going to happen. There was always things I was expecting. There was, it's such, this is such a subtle change. That I don't think people realize the impact of this. And I don't know that Matt, you see it because you have young kids. But we live our life day to day. And we think, okay, what do I have tomorrow? Tomorrow, if, if I have an early day, if I have a busy day. If, so I got, I got a meal prep because I can't leave the work for lunch or I have to make sure I get to bed early or all of this. These things that we're doing, we're planning today. So everyone today, we're recording this on a Wednesday. There are people that are going to watch it Wednesday, Thursday or Saturday. They're next day, they have to plan. Once you retire, I don't have a sleep schedule.

26:58I'll go to sleep at like nine or 10, like an old day or whatever, just like because we get a circadian rhythms from what we've done for years. But then if I wake up at 11 at night or one in the morning, I can go watch a movie. I can go to an all night diner. And, you know, there's some work I've been putting off. I can go and do it for a few hours because I don't have to get up at a certain time. I can literally, when this is done, I might go take a three or four hour sleep and finish what I did at last night. The stress of needing sleep is gone forever because you sleep when you feel like it when your body wants it. And it doesn't become so important to get it because it's like the military. Anywhere anytime because it might be two and a half days before you get to again. Right. That's gone. And that's that's amazing. That's that's that was absolutely unexpected. Yeah. Well, let's close on the third topic from the business insider article as we go around one more time. And that was second thoughts, Matt.

27:59Did you ever have second thoughts about after you left going back? Nope. Not at all. It was like. It was awesome. Yeah. It was awesome. Yeah. It was awesome. Like literally it was walking out of my office that night and walking into the kitchen. My wife was making dinner. And I said, hey, just got the contract for the next year. I said. The numbers are kind of a joke. And I go. And I said what that says to me is that they don't value me. They don't understand what motivates me. They don't understand how much I care about growth. And they're certainly not willing to pay me for the most difficult thing to do in the world, which is build business, which is win more business and grow brands. That's the most valuable skill. And so what's really. So I just said she goes, so what do you think? And I go, well, I was. I was definitely, definitely. Always kind of ready here. I said, but now I'm really ready here. And I said, so I've got all my people transitioned.

29:01And they're in on new teams in roles. I said, I can now go, you know what? It's time to go. And the next morning I retired. Dion, did you ever have second thoughts, get a new mission, get a new idea going back? So I definitely had second thoughts, not about going back to work, but on how I was before I retired. And this is where I think. There are few things in life where I can look at that and go, I absolutely failed. I've failed at marriages. I have failed at starting a business venture. I, but this is one of those times I chalk this up with one of my biggest failures. Is as I was getting close to financial freedom and I was seeing, okay, I'm training the people to replace me at my job. I started a YouTube channel. I was, I was saying, okay, I've been investing. The cash flow is starting to add up. Maybe I can share this with people. And so I found the people in the one rental at a time community on my YouTube channel in the bigger pockets world.

30:01People like Jason Hartman, I started interacting with the, the people that are trying to invest. And I didn't put enough effort. This is where I rethink what I did. I didn't put enough effort in my friends, family, and co-workers to how their life could change if they did this. And I'll use an example and this will probably get me stabbed in my sleep. But for about five years, Chessla had the money to buy a rental. And she had my example. She had me in her ear and I didn't articulate it well enough. I didn't say money in the bank is losing value. If you put it in the right, you know, mitigate the risk. It wasn't until one day I told her, I said, look, here's a deal that you found that you like. If you buy it and it doesn't work out, I'll buy it from like that was the confidence level it took to get her to do it. And I wish I was better at my co-workers and family members at saying there is another life available. And I just didn't. And so now I'm super happy when I find somebody on YouTube who's here because they're looking for it. Because I would have failed even if I tried harder.

31:02Like it wouldn't have worked till they're ready. So we're here to find the people who are ready. And but I do have the second thought of, I don't know if I tried hard enough. But I'm logical enough to realize no matter how hard I tried. We wouldn't work. Worst non-boyfriend ever. She laughs in the background. There you go. Yeah. So for me, it's once I found this new mission, which has become one rinse a lot of time, never had a second thought. But I did. I was, I was really angry in that right for weeks and maybe months. But yeah, once, once one rinse a lot of time came, it's just a new mission was born and, you know, I don't look back. I like this. Well, as we started this show is early retirement worth all the sacrifice will go around one more time. Closing thoughts, Matt, and where they can find you. Absolutely it is. Make sure you have the right foundation because you don't want to trade stresses. Yeah. No. Trade the stress of your job for then trading the stress of, do it really have enough.

32:05But let math guide you, not your feelings, what math guide you. And if the math says that you have enough, then you probably have enough. And then it's just a matter of like Dion talks about even when buying property is it, are you ready? And just mentally like try and live on that money for three, six, nine months. Good idea. And really, and really time it. But plan your exit and it will be it. When you plan it, I think it becomes one of the most joyful events in all your life because you get to close the chapter. And you get to open the next chapter and start creating. Yeah. And so I think it, I think it's a joyful experience. When you're, when you're managing that and when you've done all the work and you know that you're ready. And even when I, even when I quit, even though I didn't look back, I was just like still, ooh, are, like, are we really ready? Are we really ready, ready, ready? And Ash is like, yeah, it's gonna be fun. It's fine.

33:05And I was like, I still feel like I'm going to need to flip a house or two, like I still feel. And you know what the funny thing is is I do it, but I do it because I want to. And so now the cool thing is, is this summer in the spring or this fall? I don't want to. So I'm not going to do one. It's not going to do it. Kids all the time. Yeah, it's awesome. I get to have so much fun with my kids and my, and my, my, my sons, I hold us into my three daughters. And to be able to be there every single day for the two and a half year old, she's to the point now where her favorite thing to say is, I don't want it. I don't want it. I don't, I don't want it. Like, I don't back off dad. I don't want it. And I'm like, I got it. So yeah, it's, it's a huge blessing. But just make sure you have the foundation. Make sure that you've battle tested it a little bit. And then it's not on a whim. You know, and you can still go out in a blaze of glory. But you go out in a blaze of glory, knowing that you've got, that you, that you're good, that you got what you need. Yeah, they could find you. Yeah, lumberjack landlord on YouTube and on Instagram and Thursday nights, uh, spend, uh, starting at nine o'clock Eastern time, just spend time answering people's questions wherever they're at in the journey.

34:07Uh, we started off our bootcamp this last Saturday. And we have people that haven't bought yet all the way up to people that have 80 units. So there's something to be learned there for all of it because managing, um, you know, once you have the buy box down, managing the asset is going to take far longer. And you're going to spend more time there after you're buying window is this, your management window is this. Yeah. So, you know, make sure that you're trained to do this and do this well and continue to improve at it. Love it. Dion, closing thoughts on where they can find you. Well, there's two closing thoughts. The first one Matt really touched on. I don't think people can recognize the Stockholm syndrome they're suffering from with their paycheck. Yeah. But if you actually develop an income stream or invest and put your money to work. And you spend those six months to a year that Matt talked about, you know, live off of that money before you walk away from your retirement. I think during that time, you might realize where everybody says, I love my job. You have to. It's paying for your life.

35:08Yeah. As soon as it's not paying for your life and something else is you get to choose what you love and you might realize it's not that. And the second thing is I really want to thank you, super because it was you sharing your story of. I had such a bad day at work. I went in the eight in the morning, eight, 45 hours on my way home. I had a couple of days right, smiled a bunch, but then you were super depressed. I think that is why probably Matt, but I know for me, it was, I'll choose to leave. And I don't have a bad taste in my mouth. I don't buy the place I used to work and think, oh, I lost something. I think of it as a great Matt nailed it chapter in life. Yeah. It's really positive, but it's over. Yeah. And you can find me here on YouTube, Deontalk Financial Freedom. I've got the financial freedom for the lazy person crews coming up in June, June 21st to the 28 leaves out of Seattle goes to Alaska. I'm not making anything on it. You just contact Norwegian crews. It is literally called the financial freedom for the lazy person crews.

36:09And there's, I think, 12 or so couples coming. Nice. Very cool. Well, Millennial Mike is one of them. Yes. Jay Molyce. Anna Kay. Oh, cool. Jeff and Suleika. Jerry. Alex and Jill. I mean, I think you guys are going to hear all of the names. I've seen the name of the list, but I didn't memorize it. But there's a whole bunch of people I'm looking forward to hanging out with. So this is great. Yeah. Guys, you're amazing. Take care. Thank you for being here. Thanks for all your friendship. Take care. Thanks.