Bautista Planning and Analytics, LLC – Registered Investment Advisor

Tag: Life Lessons

  • Complaining Is Draining

    In this episode, we discuss how complaining doesn’t really do anything and how to overcome it.

    Full Transcripts

    Hi Everyone, welcome to the You’re Daily Cup of Joe Podcast, with your host Joe Bautista. In this podcast, my goal is to give you quick lessons that you can reflect on in your journal so you can grow yourself physically, mentally, emotionally, and spiritually and have a better career, better relationships, and better personal finances while you enjoy your morning cup of coffee.
    I’m also the author of the book “More You Know, More You Grow: How to Get Better Every Day”. In this book, I wrote down over 30 tips to help you grow in those four cornerstones. I’m also the founder of Grow With Joe, where I combine self-development coaching and financial planning for Latino Professionals.
    In today’s episode, we are going to talk about how complaining is draining. If you think about it, complaining doesn’t really resolve anything. Especially if the person or thing that you’re complaining about is not around to hear your criticism.
    I do complain from time to time, but what I like to do is think about how I can change the situation. I have the US Health Care System, the Education System, the laws, and other things, but what I did is moved to another country to not deal with these things. It’s best to take action.
    If you’re around your friends and you spend the entire three hours just complaining, then did you really have a good time with your friends. If you’re like me, then no. I had to remove a friend from my life because he was always complaining about something and there was someone who always did him wrong. He just held on to grudges.
    So that is one of the first things we can do, and that is just let go of the issue. If you can’t change the issue right away, then focus your energy on something more productive. I didn’t think things were fair at my last company, and I saw that I couldn’t change things, so I left and started my own thing. It was a lot of work and not as stable as my last job, but I love what I do now.
    Plus it feels so much better focusing my time and energy on something that is way more productive than on something toxic. I feel that there is comfort in complaining because it gives people sympathy. They want the person that they are talking to give them pity and this is not good for anyone. That pity is going to give someone zero growth as a person. It’s just draining all the energy.
    The second thing we can do is start taking action by coming up with solutions and then presenting those solutions to the issue. We can complain all day how someone is not doing something we want them to do, but if that person is not aware that they are doing something wrong, then they are going to continue to do what’s natural to them.
    Also, you want to use tact, when you’re addressing something, you don’t want to be a jerk about it. Being a jerk is going to be the quickest way that people continue to their habits, just to spite you. It’s best to lead with honey and not vinegar. There are times when it’s okay to lead with vinegar, but give people the benefit of the doubt.
    The worst part about complaining is that nothing is being done to change the situation and those feelings of injustice and unfairness are going to continue to be there. So bravery and courage is necessary to address the issue along with street smarts. But once you address the issue, things are going to be a lot better for you and for society.
    And that’s it for today’s episode, to summarize it, complaining is draining, so don’t do it. If you have trouble with not complaining, the best thing to do is get a rubber band, wrap it around your wrist, and then every time you complain, you snap the rubber band against your skin. The idea is that after a while, you’re going to stop complaining because you will want to avoid the pain. Plus it’s a good metaphor that every time you complain, the main person that you’re hurting is yourself. It’s best just to let go of the problem or to figure out some way to address the problem correctly. Don’t find problems, make solutions to those problems by taking ownership of them. And complaining is not taking ownership. Do this and your life will have less stress in it.
    If you would like to get the journal questions for today’s episode, you can sign-up for my monthly journaling subscription newsletter, where you get daily journal questions Monday through Friday, and as a bonus, you will also get my time management course and my personal development cheat sheet. You can get all this for $13/mo, which is less than the cost of an audible subscription and it’s less work to gain more wisdom. You can get this offer at growwithjoe.me/journal
    Thanks for listening today! To get a free copy of my Audiobook “More You Know, More You Grow: How to get better every day” just go to my website growwithjoe.me/book and you can download it right there.
    I have a quiz on my website that grades your inner circle, so if you want to find out if your inner circle is an A, B, C, D, or F, you can take that quiz at growwithjoe.me/quiz
    I’m also on Instagram, Twitter, and Facebook just look up Grow With Joe
    If you’re on iTunes, don’t forget to give me a five-star rating if you liked this episode and hit the subscribe button as well.
    The greatest way to support this show is to share it with someone else.
    Thanks for joining me today and remember if you go with Joe, you can grow with Joe, cause Joe knows Dough.
    *Music outro

    Additional Resources

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    Take my personal development quiz

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  • The Best Thing For You, Is Me

    In this episode, we discuss how you need to have high standards and high confidence in yourself so that people trust doing business with you. And how this mentality can help you in relationships as well.

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    Full Transcripts

    Hi Everyone, welcome to the You’re Daily Cup of Joe Podcast, with your host Joe Bautista. In this podcast, my goal is to give you quick lessons on how to grow yourself physically, mentally, emotionally, and spiritually so you can have better careers, better relationships, and better personal finances.
    I’m also the author of the book “More You Know, More You Grow: How to Get Better Every Day”. In this book, I wrote down over 30 tips to help you grow in those four cornerstones. I’m also the founder of Grow With Joe, where I combine self-development coaching and financial planning for Latino Professionals.
    In today’s episode, we’re are going to talk about living by the motto, “The best thing for you is me.” I got this saying from Michael Port’s book “Book Yourself Solid” In order to move up the ladder at work or to create a business where you attract clients. You need to act like the best thing for your co-workers and your clients is yourself. That nobody else will do a good enough job than you.
    Obviously you can’t do everything as a person so you have to know the role you’re playing. For the past four years trying to run my own financial planning business and seeing other people run theirs, a big common trait that I see is that people have a lot of confidence in their ability to do a great job. Sometimes the technical skills are not there for what I saw, but they believed that they could get the job done.
    And that is what people are looking for, is that you get the job done. Whatever the job requires, you at least get the minimum requirements done. I think it only makes sense to go above and beyond a job if that work does two things. It gives you more skills or that extra work can be leveraged into other opportunities. We don’t have all the time in the world, so we have to make sure we are using our time correctly. And if you live by the motto, “The best thing for you, is me.” Then you’ll spend more time in action than sitting on the sidelines.
    When I first got started as a personal trainer and financial advisor, I had to go out and find clients and I sucked at the beginning because I was unsure about my skills. I remember doing a complimentary workout for prospective clients as a personal trainer and it was just too easy for her. I didn’t sign her up as a client but I learned that I needed to go back to the drawing board, see what I did wrong and improve my skills for the next prospect. I did this with financial planning as well. I want to make sure that when I sit down with clients, that the best thing for them is me. I usually fumble though when I’m implementing new stuff. For financial planning, I went to a conference and I sign-up up for this computer software call Loan Buddy, which helps financial advisors get a breakdown of the different repayment plans for student loans.
    On my first attempt at using the software, there were a lot of issues, but because I’ve in this situation before where technology was not working correctly. I just told the prospect, let’s meet at another time because I was having issues. Before the meeting, I told him that I wanted to use this new software to do an analysis so the expectation was there in terms that this would be a learning experience. If you’re new to the business, let people know that so they can have the right expectations. You might have to do some work for free or at a discount, but what matters is your attitude and that the client can count on you to be reliable with open communication and trust.
    I think one of the best things I learned in the Marines was that anytime you didn’t know the answer, instead of trying to fake the funk, you just said, “I’m not sure of that answer right now, but I will research it and get back to you.” Then you had to make sure you followed up on that statement or else you would lose all credibility. I’ve used this statement a lot of times since I got out of the military and people just want to hear the best answer and if it takes a little bit longer then that’s okay. There are other times though that you should know the information though.
    If I present something to a client, I want to make sure that I review the document first and I can explain everything on that document. When I first started getting into financial planning and I would look at Morningstar reports, there were a lot of things that I didn’t understand, so I took the time to understand those things in the report. I didn’t want to be in a situation where a client or prospect said something and I didn’t know the answer. It fine not to know the answer if it’s not completely related to the subject. In financial planning there a lot of nuances that one person can’t know everything and it’s a good practice to ask yourself, can we actually do that? In financial planning, you can make a simple mistake that can result in a big-money loss if the wrong advice is given or not given.
    If you have this type of thirst for being right and learning, you will definitely be the best thing for your client. Once you have the knowledge though, you just need the confidence. Things won’t play out 100% of the way you planned out though. You can pretty much plan up to 80% of a situation and the other 20% will be up to luck. To compensate for that luck though, you need to be prepared for uncertainty and you just need to have confidence. If you act to feel, then you’ll feel to act. If something goes wrong, you don’t get flustered, you just say oh well, what the next thing I have to focus on and then you do it. While everyone else flustered, you’re cool as a cucumber and that’s what the situation needs. This is going to require training, learning, and having high standards for yourself, but if you can have all three of these things working together, then you’ll be unstoppable with your confidence. We don’t rise to our expectations, we fall to the level of our training and to have the confidence to be good at your job, you just have to do a lot of little things to get there. Once you reach the level of “The best thing for you, is me.” Then that is when you start to have more control over your life and start living life on your terms.
    That’s it for today’s episode, to summarize it, you need to reach the level of the best thing for you is me in all aspects of your life. With your friends, family, community, and career. This is going to require having high standards for yourself and having the discipline to maintain those high standards. Then once you maintain this level, you’ll be a professional in life and the world needs more professionals and fewer amateurs. Professionals change the world for the better and live more fulfilling lives. We only get one chance at this life, might as well see what we can do with it.
    To get a free copy of my book “More You Know, More You Grow: How to get better every day” just go to my website growwithjoe.me/book and just pay for shipping and handling.
    I have a quiz on my website that grades your inner circle, so if you want to find out if your inner circle is an A, B, C, D, or F, you can take that quiz at growwithjoe.me/quiz
    I’m also trying to do a feedback Friday episode, so if you have a question that you would like to have my answer on the air, just e-mail me at friday@growwithjoe.me
    I’m also on Instagram at Grow With Joe and Facebook just look up Grow With Joe
    If you’re on iTunes, don’t forget to give me a five-star rating if you liked this episode.
    Thanks for joining me today and remember if you go with Joe, you can grow with Joe, cause Joe knows Dough.
    *Music outro

  • Time And Decay Move In The Same Direction

    In this episode, we discuss how you need to put in energy in yourself so you keep growing and not fade away. 

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    Full Transcript

    Hi Everyone, welcome to the You’re Daily Cup of Joe Podcast, with your host Joe Bautista. In this podcast, my goal is to give you quick lessons on how to grow yourself physically, mentally, emotionally, and spiritually so you can have better careers, better relationships, and better personal finances.
    I’m also the author of the book “More You Know, More You Grow: How to Get Better Every Day”. In this book, I wrote down over 30 tips to help you grow in those four cornerstones. I’m also the founder of Grow With Joe, where I combine self-development coaching and financial planning for Latino Professionals.
    In today’s episode, we’re are going to talk about how time and decay move in the same direction what does this mean for you. This is a physics concept but once you apply it to your life, hopefully, it will kick start you to start taking more action with your life. If you look at anything on this planet, it is decaying. The decay might be fast or it might be slow. I rock is going to erode very slowly but flowers in the spring last for about a month before they decay away. Things don’t stay the same forever, they are constantly changing in one way or another.
    A great way to slow down the decay process is to constantly put energy into something. If you think about a house, if no energy was put into that house for 30 years, that house in 30 years is going to look like a mess. The yard is going to look like a jungle, it is probably going to overrun by rats and bugs, the roof is probably going to collapse soon, and it’s not going to be worth that much.
    But if there was another house where for 30 years energy was put into it, where it was cleaned routinely, the lawn was taken care of, it was remodeled, and the roof replaced, that house is going to look better than it did 30 years ago and it’s going to be more valuable. It much easier to let things go into decay because it requires no effort. To clean a house and remodel it, it requires energy and time.
    Now instead of a house, think about yourself. What would happen to your body and your mind if you never put any energy into growing or just maintaining it? It’s probably going to look like a mess as well. But if you put energy into growing your mind and body, you can do great things. This is going to require work though.
    It takes time and energy to read books, to create things, and to work out but the bi-product is that you look and feel better afterward. The other path is you’re just dealing with things and your satisfaction is not very high. You probably going to be complaining more and living in a scarcity mindset.
    I have a bad back and bad knee, and if I don’t do my physical rehab exercise for a couple of weeks, I start to feel the pain. Picking things off the ground becomes harder and I walk funny. I have to constantly work on my exercises because if I don’t, then comes a point where I throw out my back and I can’t move for a couple of days. I need to put constant energy and time into strengthening the muscles in my back, abs, and around my knee so that I can maintain my daily activities of living.
    I don’t know where I would be as a person if I never read or listened to podcasts. I don’t know what I would talk about and I don’t know how I would be making these podcasts if I didn’t put work into growing my mind. I would not be able to come up with creative solutions for the problems I have in my life.
    The big reason why put so much time and energy into growing myself is because I want to make sure that I can maintain my daily activities of daily living. I want to be able to move around, I want to make sure I can go to the bathroom, that I can dress myself, and I can have conversations with folks. In High School, I volunteered at a senior citizen center and you can see what happens to people when they don’t put the time or energy into themselves. This didn’t apply to everyone at the senior citizen center but I was able to see enough folks that made realize that I have to do something now as a teenager and that I’m keeping up still in my 30s.
    The thing with decay is that it happens very slowly. If you look at your place, if you don’t spend time cleaning it on a routine basis, the dish start to pile up, the trash cans start to fill up, a thin layer of dust starts to accumulate, and after a week of not cleaning, your place starts to look like a mess. Now keep up this routine for a month and now it is going to take a lot of time and energy to clean up your place. It’s best just to do things a little bit at a time over a longer period of time than trying to fix everything at one time. Yes, it is annoying to put dishes straight in the dishwasher instead of just leaving them in the sink but then you won’t have to worry about eating over your sink because you ran out of plates.
    When it comes to your body, you see the difference physically probably until a couple of months later but your mindset might be different but it will still feel the same because that is what you’re used to. A good way to figure out if you’re on the right track is to hangout other people that are putting energy into themselves. If you can’t keep up with them, then you know that you need to change something in your life. You might need to eat better, exercise more, or start improving your skills. Whatever you have to do, just don’t get left behind.
    That’s it for today’s episode, to summarize it, you have to know that time and decay move in the same direction. If you don’t put any energy into growing yourself, then you’ll just start decay faster with time and you can end up like a Detroit House that you can get for $5,000 and nobody wants that house so doesn’t let that happen to you. Put energy into yourself so you develop into something special because the world needs you to.
    To get a free copy of my book “More You Know, More You Grow: How to get better every day” just go to my website growwithjoe.me/book and just pay for shipping and handling.
    I have a quiz on my website that grades your inner circle, so if you want to find out if your inner circle is an A, B, C, D, or F, you can take that quiz at growwithjoe.me/quiz
    I’m also trying to do a feedback Friday episode, so if you have a question that you would like to have my answer on the air, just e-mail me at friday@growwithjoe.me
    I’m also on Instagram at Grow With Joe and Facebook just look up Grow With Joe
    If you’re on iTunes, don’t forget to give me a five-star rating if you liked this episode.
    Thanks for joining me today and remember if you go with Joe, you can grow with Joe, cause Joe knows Dough.
    *Music outro

  • The Three Type Of People In This World

    In this episode, we discuss which of the three type of people you should be in your life a majority of the time. 

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    Full Transcript

    Hi Everyone, welcome to the You’re Daily Cup of Joe Podcast, with your host Joe Bautista. In this podcast, my goal is to give you quick lessons on how to grow yourself physically, mentally, emotionally, and spiritually so you can have better careers, better relationships, and better personal finances.
    I’m also the author of the book “More You Know, More You Grow: How to Get Better Every Day”. In this book, I wrote down over 30 tips to help you grow in those four cornerstones. I’m also the founder of Grow With Joe, where I combine self-development coaching and financial planning for Latino Professionals.
    In today’s episode, we’re are going to talk about the three types of people in this world. There are the people that make things happen, there are the people that watch things happen, and there are the people that wondered what happened. The key thing is that you want to be a person that makes things happen and avoid being the other two types of people. You definitely don’t want to be the person that wonders what happens because then you’re going to in a lot of trouble. The world is constantly changing and if all we do is focus on what is happening around us, then we are going to miss the change that is going to turn our world upside down.
    Computers are constantly changing the world that we live in. It makes the old tedious jobs done automatically by machine and jobs that were done by those people are disappearing. For me, I’m not going to wait for someone else to come save me, I’m going to figure out what I need to do on a daily basis so I never have to say, “How did this all happen?”
    I feel the best way to prevent this is by taking action to build up the three assets that you have in your life. Your financial capital, social capital, and human capital. If you constantly take action on building up these three assets, then you’ll have a more solid foundation than if you didn’t.
    The easy choice in life is to either watch things happen and wonder has happened because they require you just sit on the sideline. But sometimes you want to be the person watch things happen, especially if the thing is brand new. I remember getting a sega Dreamcast when I was a kid instead of a PS2 or Xbox and if you know about the Sega Dreamcast, it didn’t last very long. It had some very good games and I enjoyed the controller but everyone was jumping on the ship of the PS2 and Xbox and the Dreamcast stopped making games. Then I had to sell my Dreamcast as a loss and I eventually got a PS2. Sometimes you have to make those leaps and sometimes you have to wait. If you make a leap instead of waiting, you just have to make sure that you’re okay with spending that time and money on that thing. I got a lot of use out of my Sega Dreamcast and it wasn’t a complete loss but it was still a loss.
    So it’s okay to watch things happen, you just have to make sure you’re not watching longer than you have to. It can be a big risk to be the first one to market with a brand new concept. If you look at social media, the first one was Friendster and myspace but now those platforms don’t really exist anymore. Sometimes if you’re the first to go through, you reek all the rewards by getting a majority of the customer share first like with Apple and the Smartphone. In business, when you take on risk, you want to make sure you’re properly compensated for that risk if things work out for you. So you have to take a calculated risk from time to time to be a person who makes things happen. If things don’t work out though, you can also just focus on the next thing. Just make sure sure you have the social and human capital to make sure you can move on to the next thing quickly.
    Most of the time to be a person who makes things happen, it just requires constant action by doing the little things that will add up over time. For me, my goal is to read at least 20 pages every day and I usually do this in 25 minutes while I ride a stationary bike. Then I have books on my kindle app on my phone that I read in downtime like waiting for an appointment or using public transportation. By taking this action every single day, I’m gaining new ideas for my Grow With Joe Business which then I can use those strategies to help me with my clients.
    There are other things that I need to take action to make sure I’m reaching my goals. I know that I wait for the thing to come to me, they never will. If I do wait for things to happen to me, I’ll fall into the category of wonder what happens and I can’t accept that. To be a person of action is really hard and it’s a grind. To do great things in this world though requires us to do uncommon things and most people in this world are just being passive about their life. To help me take action, I just say “Hard choices, easy life; easy choices, hard life” and this usually push me to make the hard choice that will help me take action with my life.
    To make things happen though, it won’t happen overnight, if it does happen overnight, there is a high likelihood that it won’t be sustainable. Also, take ten minutes to plan out your day so you make sure you’re putting the things that will propel your life forward on your calendar so you do it. I know if something is not on my calendar, then I won’t do it. You have to have a system to take action, if you’re leaving your action up to fate, then it’s not going to happen. For my day, I make sure that I have a system in place to get my stuff done and a lot of that is from what I implement in my time management course. Time is short and I’m trying to see what things I can accomplish in this world and that is only going to come from taking action and having a system in place to do it, otherwise life is just going to pass me by and then life is going to dictate what I get and I don’t want that.
    That’s it for today’s episode, to summarize it, there are three types of people in the world, people who make things happen, people who watch things happen, and people who wonder what happen. A majority of you time you want to be a person who makes things happen but there is also times you need to be a person who watches things happen and you should spend the least amount of time on being a person who wondered what happened. If you let that happen to you, then you have a lot of work ahead of you to get yourself out of that hole. If you take daily action though, the hole will rarely get too deep for you to get out of. So make sure you’re taking positive action that will build up your human capital, social capital, and financial capital, and you’ll be able to handle a lot of what life can throw your way and life a pretty satisfying life as well.
    To get a free copy of my book “More You Know, More You Grow: How to get better every day” just go to my website growwithjoe.me/book and just pay for shipping and handling.
    I have a quiz on my website that grades your inner circle, so if you want to find out if your inner circle is an A, B, C, D, or F, you can take that quiz at growwithjoe.me/quiz
    I’m also trying to do a feedback Friday episode, so if you have a question that you would like to have my answer on the air, just e-mail me at friday@growwithjoe.me
    I’m also on Instagram at Grow With Joe and Facebook just look up Grow With Joe
    If you’re on iTunes, don’t forget to give me a five-star rating if you liked this episode.
    Thanks for joining me today and remember if you go with Joe, you can grow with Joe, cause Joe knows Dough.
    *Music outro

  • Don’t Mix Turds With Raisins

    In this episode, we discuss how you can’t turn bad ideas into good ideas by adding something sweet.

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    Full Transcript

    Hi Everyone, welcome to the You’re Daily Cup of Joe Podcast, with your host Joe Bautista. In this podcast, my goal is to give you quick lessons on how to grow yourself physically, mentally, emotionally, and spiritually so you can have better careers, better relationships, and better personal finances.
    I’m also the author of the book “More You Know, More You Grow: How to Get Better Every Day”. In this book, I wrote down over 30 tips to help you grow in those four cornerstones. I’m also the founder of Grow With Joe, where I combine self-development coaching and financial planning for Latino Professionals.
    In today’s episode, we’re are going to talk about how you shouldn’t mix turds with raisins. I got this quote from Charlie Munger in his book, Poor Charlie’s Almanack, who is Warren Buffett’s right-hand man at Berkshire Hathaway. Charlie Munger always looks for a way to make better decisions with his businesses and his life and one great way to make a decision is not making something that doesn’t work, look better. You should just get rid of the thing. Hence, you don’t mix turds with raisins because you might get a little sweet but you’re going to have a nasty aftertaste.
    People, in general, have a tough time giving up on stuff because of a cognitive bias called the endowment effect, which basically means that we value the things we already have or created more than other things and will want to hold on to those things longer than necessary. You might have an idea but if it’s a bad idea, it’s a bad idea and you should discard as fast as you can but since it’s your idea, you want to hold on to it and might change somethings to improve on the idea but overall it’s still a bad idea and won’t survive. If you hold on to a bad idea for too long, it can cause a lot of damage but if you’re just getting enough sweet, you might say, I’m on the right track and just need to keep going.
    I remember at my last firm for financial planning, I felt I was having turds with raisins. At first, I was tasting the raisins, but the turd taste kept coming back every time. At my last firm, I had to pay for office space, I had to pay for an administrative assistant and all these other business expenses. When I first had the idea of becoming a financial planner, I thought you just worked for the major wire firms like Merrill Lynch, Morgan Stanley, Edward Jones, Mass Mutual, and Prudential. When you work at a wire firm, you’re basically salesman for their products and you use financial planning to sell those products. This is how it was at my last firm, I used financial planning to sell life insurance, disability insurance, and load-funded mutual funds to my prospective clients.
    Now I would say this is not a bad thing because people need these products but what I didn’t like about this format was that it was very transactional. You needed to find the next person to sell a product to. When I first got started in the business in 2015, it was hard but I learned a lot about how to run client meetings and to get people to buy from me. I could have done a lot better but I was able to get some people but when you sell one person, you only get paid one time. And so anytime spent on that person afterward, I was not getting paid. Plus my old company valued selling products over doing planning fees, so the comp structure reflected that.
    What I wanted to do is to have a relationship with my clients and that system didn’t value that. You can’t sell one person every time you see them, it will just create a bad taste in their mouth and they’ll stop coming around and returning your phone calls. Then the Department of Labor came out with the fiduciary rule which made it harder for companies like my old one to do 401k rollovers because the fees were typically higher. So that was another thing that made it tough with my previous firm.
    Out of all the products to sell at my previous firm, life insurance was the one that paid the most and that was a big focus at my last firm. For investments, we could only sell actively managed funds with a loaded fund, and I remember at one workshop, they mentioned that every consumer is leaving actively managed funds and going to passive funds without a load-fee. With the internet, people had a lot more questions and information, which is a good thing and a bad thing because they are getting advice that may not be suitable for them. So that was another thing that made things difficult with a more informed consumer.
    Another thing that was turdy at my last firm was they constantly changed the rules for getting paid and how we can obtain clients. My last company was a broker-dealer, which sold the products of many different firms and changed the way that I got paid based on what they thought was important.
    There were some sweet moments at my last firm but I think the landscape of the financial advisor is changing quickly and that the broker-dealer model is going to go away soon. I had to leave the turd and start my own thing and I started my own thing with the help of the XY Planning Network, which helps generation X and Y clients by providing a fee for service model. At Grow With Joe, I charge a monthly fee to do comprehensive financial planning for my clients, where that can cancel at any time with a 30-day notice so they are not stuck in anything long term. This always me to be more of a fiduciary for my clients without having to worry about pushing them to buy a product from me, they just get the advice to make a sound decision. When the Department of Labor came out with fiduciary rule, they value a planning fee more than being compensated by commission because it was a much clearer scenario. And I like this model as well because I know how to treat every client based on the fee they pay me. It could be through my subscription model where they have 24-hour access to me or it could be a one-time project-based fee where I give someone the information and the relationship ends there.
    In order to be a fee for service financial advisor though, I need to build up my knowledge base because I’m going to do a lot more complex planning, which I’ve been building up for the past four years. I’m glad I left my last firm because I value the freedom to do what I want to know versus someone else telling me how I can market myself, who I can focus on, and how I can get paid. Plus I have a great certainty that the broker-dealer model is going to go away because the consumer has a lot more complex needs and they have more information. So I need to move away from that model and do the fee-for-service model.
    So look at your life and see if you need to remove a turd from your life. You might need to find a new job because it’s giving you enough salary to survive but you’re not living very good and one day it might go away and you won’t be prepared for that moment. It could be a relationship with someone. They have their good moments, but overall they’re just a turd and you’re going to have a bad aftertaste once the sweetness goes away. They get you with the sweetness at first and that will be your downfall, so now that you’re aware of this concept, use it as fast as you can.
    That’s it for today’s episode, to summarize it, don’t mix turds with raisins. It might be sweet now but soon you’ll feel the turd and it won’t be pleasant. The turd can come in a lot of different forms, with your career, business, hobby, relationships, and personal preferences, so be aware of it and if something feels turdy, then it probably is. So remove it from your life and find something else without a turn in it.
    To get a free copy of my book “More You Know, More You Grow: How to get better every day” just go to my website growwithjoe.me/book and just pay for shipping and handling.
    I have a quiz on my website that grades your inner circle, so if you want to find out if your inner circle is an A, B, C, D, or F, you can take that quiz at growwithjoe.me/quiz
    I’m also trying to do a feedback Friday episode, so if you have a question that you would like to have my answer on the air, just e-mail me at friday@growwithjoe.me
    I’m also on Instagram at Grow With Joe and Facebook just look up Grow With Joe
    If you’re on iTunes, don’t forget to give me a five-star rating if you liked this episode.
    Thanks for joining me today and remember if you go with Joe, you can grow with Joe, cause Joe knows Dough.
    *Music outro

  • The Score Will Take Care Of Itself

    In this episode, we discuss the importance of following a perfect process towards you hitting your goals. If you do this, then the score will take care of itself. 

    [podcast src=”https://html5-player.libsyn.com/embed/episode/id/12189431/theme/custom/height/90/custom-color/38b6ff/thumbnail/yes/direction/forward/render-playlist/no” width=”100%” height=”90″ scrolling=”no” class=”podcast-class” frameborder=”0″ placement=”top” use_download_link=”” download_link_text=”” primary_content_url=”https://traffic.libsyn.com/secure/growwithjoe/Episode_129_-_The_Score_Will_Take_Care_Of_Itself.mp3″ theme=”custom” custom_color=”38b6ff” libsyn_item_id=”12189431″ /]

    Full Transcript

    Hi Everyone, welcome to the You’re Daily Cup of Joe Podcast, with your host Joe Bautista. In this podcast, my goal is to give you quick lessons on how to grow yourself physically, mentally, emotionally, and spiritually so you can have better careers, better relationships, and better personal finances.
    I’m also the author of the book “More You Know, More You Grow: How to Get Better Every Day”. In this book, I wrote down over 30 tips to help you grow in those four cornerstones. I’m also the founder of Grow With Joe, where I combine self-development coaching and financial planning for Latino Professionals.
    In today’s episode, we’re are going to talk about the score will take care of itself. Today’s podcast comes from the Bill Walsh Biography, The Score Will Take Care Of Itself and I thought it was a pretty good message to share. I really enjoyed the book because it just reinforced the idea that I need to follow the right process and everything will fall in place. If you don’t know who Bill Walsh is, he was the head coach for the San Francisco 49ers for 9 years and won three championships. This is pretty impressive and he changed the NFL with the west coast offense.
    In the book, they just about Bill Walsh’s philosophy and process and how that will lead to the results you want in life. The same thing is said by Bill Bellichek of the New England Patriots and Nick Saban of Alabama. Just do your job and do it as close as to perfection as possible, and the score will take care of itself.
    This requires a lot of discipline and ownership of the process. You can’t delegate this to someone else, you have to review it and make sure that the people involved are not slacking off. Reading this book reminded me of my time in the Marines. If you want to be a Marine, you have to stick to a higher level of discipline and hard work if you want to claim the title. It’s hard to maintain this in an organization though unless everyone is on board with the process. The Marines weren’t perfect but compared to the other branches, we still pushed ourselves to a different level. Plus I think the Marines are so much different than a football team or private company. In the Marines, you prepare for a deployment or you do training. When you’re doing training, that’s when people start to become complacent and don’t try as hard because there is no concrete finish.
    But since I’m starting my own business and want to hire folks in the future, I need to make sure I have the processes in place now as a solo-entrepreneur so that my hired folk in the future don’t have to spend that much time wondering what to do. I also have to make sure that I’m sticking to a process right now to become a success in the future. I have to make sure my clients are taking care of and I need to make sure I’m bringing enough business in to keep me afloat. So looking at the book, I need to make my process as perfect as it can get where I maximize efficiencies and people have a clear path of what needs to get done in order to finish tasks.
    I also know that I have to get a great boss. One thing that I noticed in other firms that I worked for is that it was always management that caused me not to like the job that I was in or when I start hiring people underneath me, I want to make sure that I’m not repeating the same mistakes. One thing I don’t want in my work environment is an ego. We work together to support the team and the mission of the team. My goal with Grow With Joe is to help 10,000 Latinos middle-class families so in order to do this, then I need to hire 100 financial planners underneath me. If I want to ensure that I have the right quality in place so that all 10,000 families receive the right coaching, then I need to make sure that people are following a process and living within the values of the firm. This is just financial planners, so then I need to hire back-office staff to support those 100 financial planners as well, so that’s even more people to hire.
    If I want to build this grow with joe business to the size that I envision, then I need to make sure that I’m preparing myself for that future and reading books on leadership by Bill Walsh will help me prepare for that moment. Then the score will just take care of itself when everything is in place. I think we all can be good leaders in whatever position we are at work, we just need to have the courage to be leaders and to have the support of higher management. The reason the 49ers of the 80s and the Patriots of the 2000s have been so unstoppable is that they have good management from the player all the way up to the owner. I felt that at the previous companies that I worked for, it was always a me vs them mentality.
    One office versus another office, or the staff vs management. So when I create my company, I’m going to need to create the right culture and remove toxicity from the workplace. I want to grow slowly so that I’m not forced to make the wrong hires or take on the wrong clients because I’m chasing revenue. In the book about Bill Walsh, they asked when he took over the 49ers, which was one of the worst football teams in the NFL for a while, how long would it take to win a championship, Bill Walsh said that was never on his mind, and would be crazy to think that way since the 49ers were so bad. He just wants to focus on the process and if you focus on the process long enough and stay discipline about and don’t take any shortcuts, then you will get what you want in life.
    This is a grind though and takes time. Right now, I’m putting in a lot of hours in at Grow With Joe and I’m just following the process. There are times when I slack off and I want to tighten my process up so I can’t wait until I can hire some folks to help me out in the future once my revenue reaches a certain point. I feel like I have a pretty good process and identity for Grow With Joe. Focus on self-development and disciplined financial planning where we focus on growing people’s inner circle success so they can have the outer circle success. I have a lot of work ahead of me and I’m going to need to learn more valuable lessons from people like Bill Walsh if I want to be successful.
    That’s it for today’s episode, to summarize it if you follow a perfect process with your life, all your goals will come true. What you want out of life is going to be dependent on what you want out of life, so I would say figure out what do you want to see for your future. Then from creating a process that will help you get there. If you follow the perfect process just like Bill Walsh, the score will take care of itself.
    To get a free copy of my book “More You Know, More You Grow: How to get better every day” just go to my website growwithjoe.me/book and just pay for shipping and handling.
    I have a quiz on my website that grades your inner circle, so if you want to find out if your inner circle is an A, B, C, D, or F, you can take that quiz at growwithjoe.me/quiz
    I’m also trying to do a feedback Friday episode, so if you have a question that you would like to have my answer on the air, just e-mail me at friday@growwithjoe.me
    I’m also on Instagram at Grow With Joe and Facebook just look up Grow With Joe
    If you’re on iTunes, don’t forget to give me a five-star rating if you liked this episode.
    Thanks for joining me today and remember if you go with Joe, you can grow with Joe, cause Joe knows Dough.
    *Music outro

  • Unsuccessful People Make Decisions Based On This

    In this episode, we discuss how important to make decisions based on where you want to go, instead of where you already are. 

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    Full Transcript

    Hi Everyone, welcome to the You’re Daily Cup of Joe Podcast, with your host Joe Bautista. In this podcast, my goal is to give you quick lessons on how to grow yourself physically, mentally, emotionally, and spiritually so you can have better careers, better relationships, and better personal finances.
    I’m also the author of the book “More You Know, More You Grow: How to Get Better Every Day”. In this book, I wrote down over 30 tips to help you grow in those four cornerstones. I’m also the founder of Grow With Joe, where I combine self-development coaching and financial planning for Latino Professionals.
    In today’s episode, we’re are going to talk about how unsuccessful people make decisions based on where they currently are and how successful people make decisions based on where they want to go in life. Where ever you are in life right now, you’re going to have to make some decisions. Those can be bad decisions or they can be good decisions. I would say a good decision is going to give you more flexibility and control over your future while a bad decision is going to make you feel good at the moment but harm you down the road.
    It goes back to the saying hard choices, easy life, easy choices hard life. I’ve seen so many people at work, with family, and friends too who made a decision based on where they currently are in life and it sabotaged their future. If you don’t know how to make a better decision, then you don’t know how to. It can be hard to see past your environment because that is all you know. I remember at my last firm, I thought that’s how financial planning was done. You work for a big firm and you focus on selling their products. I didn’t know better, and when I did some research online in 2014, all the search results pointed to the big wire firms, so that’s the path that I took.
    When I was going to high school in Oregon, I grew up in a small town of 3,000 people I think, which is now like 10,000 but it’s still small and all I thought that I could do in life was basically lawyer, doctor, police officer, work at a restaurant, or go into the military. It wasn’t until I joined the Marines, where I realized that there were a lot more jobs available to me and when I moved to Washington, DC, where I discovered even more possibilities.
    So I would say an unsuccessful person would just see what’s in front of them and say that’s all that I can accomplish but a successful people will say, what else is out there and explore that. This is why I think learning is so crucial because it allows you to break past your current environment and be future-orientated. I know the future that I want to have and I’m busy working towards that future today.
    I know that I don’t want to trade my time for money, and I want the flexibility and control to choose my day. I don’t want somebody to tell me that I can’t go on a vacation or sit in a meeting that I don’t want to be apart of, so that’s why I’m working hard with Grow With Joe to have that freedom. Right now, I’m working on year one with Grow With Joe and it requires a lot of sacrifices. I moved back with my parents from DC to save on money. DC was a fun place to be and I easily could have gotten comfortable living there. I could have found some government contracting and consulting job, make a decent salary, and just work under somebody else’s firm, but then I would have given up my dream.
    Being Latino, I really want to help other Latinos with their financial planning needs and I want to be able to market to them the way that I think will be beneficial to them. When I worked at my last firm, they were focused on this other niche that I wasn’t very passionate about, but I had to make an effort to focus on them because that’s what they wanted. It was constantly reinforced in weekly meetings and how they changed the comp structure so there would be a financial incentive to focus on that niche. But my saving grace was finding out that I could start my own firm, which was easier than I thought.
    So if you want to start something like a business or create something new, it’s probably easier than it seems. I’m pretty much facing the same hurdles now as I was with my last firm, except that I get to keep more of what I produce with fewer rules. It’s still a grind to go out and find clients and to do the other administrative things but god bless my Marine Corps training for helping me prepare for this moment. I hate when my freedom is being restricted by someone else so I will make decisions that will give me a brighter future. There is a trade-off now because I spend a lot of time working on this Grow With Joe business but at least I can say this time is for me and not somebody else. So when it comes down to it, a successful person will make a decision that makes them a better person in the future, while an unsuccessful person makes a decision that comforts them now but will harm them in the future because they won’t be strong enough or have enough to handle the challenges of tomorrow.
    When I look at my day, I make sure that I work out because in the future I want to make sure that I’m not stuck in a hospital bed. In the mornings, I could say that my bed is comfortable and that I don’t need to work out, but then I’m making a decision based on my current situation. I’m comfortable and why would I want to stress my body out. It’s really easy to fall into these comfort traps because the brain likes to avoid pain while seeking pleasure and conserving energy. But this comfort trap is going to degrade me as a person. I need to focus on my development as a person if I want to be a better person six months from now.
    So when you’re planning out your week. Ask yourself, am I making decisions that are going to make me successful in the future? If you do the same thing over and over again nothing is going to change really unless those activities are focused on growth. If you save a percent of your paycheck towards your retirement accounts every time you get paid, then your future should look better than not doing anything at all. Going to the gym will be better than not doing anything at all. With the gym, if you’re overweight, you might go, why should I work out, I’m already out of shape. Same thing with a diet. I already ate bad, might as well keep going. Again we are making decisions based on our current situation, not where we want to go in the future. If you make this mistake, it’s okay once, just don’t do it twice in a row and get back on the right path as fast as you can.
    That’s it for today’s episode, to summarize it, unsuccessful people make decisions based on their current situation and successful people make decisions based on where they want to go in life. So take some time this week and ask yourself, are you making decisions that will give you flexibility and control over your future? If not, what can you do to change that?
    To get a free copy of my book “More You Know, More You Grow: How to get better every day” just go to my website growwithjoe.me/book and just pay for shipping and handling.
    I have a quiz on my website that grades your inner circle, so if you want to find out if your inner circle is an A, B, C, D, or F, you can take that quiz at growwithjoe.me/quiz
    I’m also trying to do a feedback Friday episode, so if you have a question that you would like to have my answer on the air, just e-mail me at friday@growwithjoe.me
    I’m also on Instagram at Grow With Joe and Facebook just look up Grow With Joe
    If you’re on iTunes, don’t forget to give me a five-star rating if you liked this episode.
    Thanks for joining me today and remember if you go with Joe, you can grow with Joe, cause Joe knows Dough.
    *Music outro

  • Planned Time Is Not Wasted Time

    In this episode, we discuss the importance of not worrying about being productive 100%. It is okay to take time off to recharge. 

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    Full Transcript

    Hi Everyone, welcome to the You’re Daily Cup of Joe Podcast, with your host Joe Bautista. In this podcast, my goal is to give you quick lessons on how to grow yourself physically, mentally, emotionally, and spiritually so you can have better careers, better relationships, and better personal finances.
    I’m also the author of the book “More You Know, More You Grow: How to Get Better Every Day”. In this book, I wrote down over 30 tips to help you grow in those four cornerstones. I’m also the founder of Grow With Joe, where I combine self-development coaching and financial planning for Latino Professionals.
    In today’s episode, we’re are going to talk about how planned time is not wasted time. I know I talk a lot about not wasting time and you might be caught up in seeing how productive you can be and you might think that watching television or being on social media might be a waste of time and it might, but if it was planned out then it’s not a waste of time.
    We are not machines and we need to take time to rest and relax. In August, I went to Chicago for two weeks to see my sister and then I went to St. Louis for a conference for a week, and when I got back I was exhausted. I felt like I wasn’t very productive while I was in Chicago and St. Louis but I plan to go to Colombia in January for two years, so I thought it was important to see her and her family before I go on my two-year sabbatical. I also thought it was important to go to the Conference which was about financial planning and I met a lot of different people that I connected with.
    But when I got back to Oregon after being away for three weeks, I was exhausted and I took three days to recover where I didn’t really work. I just slept and didn’t look at my laptop. I was still a little bit tired when I went back to work but I feel like I was just getting off the rust. I told myself that this was planned time off. I needed that time to recover so that I could do my best work later on in the week.
    It’s okay to watch television, but make sure it’s planned time. If you want to give yourself an hour to watch television and it doesn’t impede on other important things in your life, then go ahead and watch television. Your schedule is going to be determined by how much you want to accomplish in the world. Plus there are ways to be more efficient with our time that can give you more leisure time.
    If you planned a weekend with friends or family, just enjoy that time to the best of your ability. Don’t bring work into the equation. It’s just going to cause issues. Plus you only have so much time on this planet, make things count. You don’t want a vacation to turn crappy because you were too worried about work or other things. You only have so many vacations in your life and time with your friends and family, so make that time count. This was a hard lesson for me to learn but with enough self-awareness, I was able to maximize my time on the things I planned out.
    Work will always be there. You can always find something else to work on so you have to know how to put barriers on stuff. I think one of the best things to do is never to say yes to something right away unless it’s an absolute emergency. If you get a request from a boss at work, just tell them that you’re working on A and B, and if they add in C, which is the one thing that they should absolutely focus on.
    When it comes to my business, my client can send me a question but in my client service agreement, I tell them that I will respond within 24 hours. When it comes to my day, I already have my day planned out and unless it’s an absolute emergency, I’m not going to change it. There is a time on my calendar that states when I will get to e-mails. I find it’s just better to batch things instead of responding to things as they come. Just remember, your inbox for e-mails and text messages is just a convenient place for you to focus on other people’s agendas. Think about it, every text or e-mail is basically a request for your attention. If a friend sends you something funny or interesting, they want you to think that you care about them or think they are interested in finding that thing. This is fine, but just make sure it’s part of your planned time.
    Don’t get into a spot where you have no planned time and are just responding to one thing after another. This will cause you to be the hamster on a wheel. Just moving really fast but not moving anywhere. You should have an agenda for your week on what you want to accomplish. There should be time to work, time to take care of yourself, and time to enjoy. I know when I read a book or watch a documentary, I get ideas that I write down for future podcast episodes. This podcast came from the podcast Big Questions with Cal Fussman with his guest Nir Eyal. I heard him talk about this concept of planned time is not wasted time and I told myself that I could write a podcast episode about that and that’s what I did.
    So we can get moments of inspiration from our leisure time. I find that I when I’m stuck on writing something or doing something, I go take a walk and listen to a podcast or listen to music for 10 to 15 minutes. Then when I come back, I got a solution to my problem or I’m ready to get back to work. So make sure you have some planned wasted time but not too much, but not too little as well.
    That’s it for today’s episode, to summarize it, planned time is not wasted time. So plan out some leisure time into your schedule. If you find yourself worn out. Take a look at the last you relaxed and took some time off. Also, add some breaks into your day so that you’re not constantly on the go. This will ensure that you’re sharpening the saw so that you can cut down trees faster. You also have to realize that time with friends and family might not ever happen again, so when you’re with them, make sure you’re with them and not on your phone being distracted because your last goodbye to them might be your last goodbye to them. It’s doesn’t have to be all day, it can be just a quality 30 minutes and that’s it. All you can do is all you can do, just make sure it’s all you can do.
    To get a free copy of my book “More You Know, More You Grow: How to get better every day” just go to my website growwithjoe.me/book and just pay for shipping and handling.
    I have a quiz on my website that grades your inner circle, so if you want to find out if your inner circle is an A, B, C, D, or F, you can take that quiz at growwithjoe.me/quiz
    I’m also trying to do a feedback Friday episode, so if you have a question that you would like to have my answer on the air, just e-mail me at friday@growwithjoe.me
    I’m also on Instagram at Grow With Joe and Facebook just look up Grow With Joe
    If you’re on iTunes, don’t forget to give me a five-star rating if you liked this episode.
    Thanks for joining me today and remember if you go with Joe, you can grow with Joe, cause Joe knows Dough.
    *Music outro

  • Don’t Say Things You Don’t Want To Become True

    In this episode, we discuss the importance of not telling yourself things that you don’t want to become true.

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    Full Transcript

    Hi Everyone, welcome to the You’re Daily Cup of Joe Podcast, with your host Joe Bautista. In this podcast, my goal is to give you quick lessons on how to grow yourself physically, mentally, emotionally, and spiritually so you can have better careers, better relationships, and better personal finances.
    I’m also the author of the book “More You Know, More You Grow: How to Get Better Every Day”. In this book, I wrote down over 30 tips to help you grow in those four cornerstones. I’m also the founder of Grow With Joe, where I combine self-development coaching and financial planning for Latino Professionals.
    In today’s episode, we’re are going to talk about how we shouldn’t say anything that we don’t want to become true. I refuse to talk down to myself where I say I’m an idiot or I’m not good enough, because I know if I tell myself those things, then it can create a system where I’m not living up to my potential. Plus it can also create imposter syndrome where I think I’m not good enough for a role because of the things I’m telling myself.
    If I do mess up, I’m just going to say that I messed up and that I’m going to do better the next time around. When you start to tell yourself things that are not true, that is when you start to believe them. Other people can tell you things that are not true and you can believe them. I remember when I was in middle school, I had to go to my English teacher to see which track I was going to be on for writing. Was I going to take the advanced class or go on the standard track? She urged me to take the standard track.
    I feel like I didn’t really learn how to become a writer in school. I don’t blame the teachers because the system is not set-up to give every student specialized attention. So when I was doing mediocre in my English classes, I thought I was just a mediocre writer. I was a mediocre writer because I didn’t proof-read my papers and I would just write them once and turn them in with a lot of grammatical mistakes and I repeated a lot of stuff. Then once I let the writing script continue on in high school and at the beginning of college, I was already years behind. Now I think I’m a fine writer, maybe not the best but I am so much better now than I was in the past.
    Know I will never say that I’m a horrible writer, I will just say that I’m not good at those things. I will still say that I’m not good at things but I will say that I’m not good at that thing and I’m not willing to put in the effort to get better at that thing. I don’t have all the time in the world and I need to prioritize my attention to make sure I’m growing the things I want to grow. If you play a video game like Skyrim, there are many different professions that you can choose from and you really should specialize in those areas or you just become mediocre overall. It’s better to be a highly specialized warrior than a mediocre warrior and mage at the same time. You’re going to have tougher battles if you spread yourself too thin.
    I know that I’m not good at a game like Fortnite because I’m not willing to put in the hours to become great at that game. I’m not a good pool player because I don’t want to practice becoming better at it. There are some short cuts I could take to become a mediocre pool player or Fortnite player to become a better one if I just learned the fundamentals, but the idea is that I’m not a forever bad player, I just choose to focus my time and energy on something else.
    Once you start telling yourself things that you don’t want to be true, it creates a very shaky foundation. One comment about your performance can take everything from you. If you think you’re a bad writer and you think that something didn’t go well at work, you might start thinking that your writing was the cause of your downfall. It might but it could also be something else. But then it can be a slippery slide towards mediocrity where you say you’re not good enough and no wonder that can move up and then that mindset might become reality. Once it becomes a reality, then it becomes true.
    If you say you hate working out, then it will become true and then become reality. Maybe you don’t like running but there are other things you can do to workout that doesn’t involve running. I don’t like running myself because I have lower back pain and heel pain and those things can become worse from working out but I can ride a bike and do a HIIT Workout that doesn’t aggravate those injuries. Just choosing not to work out for the rest of your life because you don’t like working out is not going to be good for your health. You can also add things to your workout so that it can be more enjoyable. You can find a great podcast like Serial to listen to while you run or walk. You can also do walking meetings where you talk on the phone while you get your steps in. So find a reward, just don’t tell yourself that you’re never going to work out because you hate it.
    Same thing with reading books. You don’t have to read all of one book if you don’t like it. You can quit it and move on to something else. There are alternatives but if you leave it as an all or nothing scenario, then that is when we stop challenging ourselves and stop growing. And when we stop growing that’s when bigger problems come into our lives.
    If life is good right now, think of it as summer. In summer should play but also prepare for winter. If you wait for winter until it’s time to get serious, you might not have enough time to prepare for the winter, and you might freeze to death. So if you tell yourself the wrong things that become true, then you could be heading into a very rough winter. I’m so glad I took the time to become a better writer. I still make mistakes in my writing but it’s a million times better than what I did in the past. To prepare for the future, you’re going to have to do things that will have to be good at like math and communicating. Don’t be wrong at something for too long or it will cost you your life.
    That’s it for today’s episode, to summarize it, don’t say anything you don’t want to become true. When you do this, it’s just going to set you back as a person and then you’re going to have to do twice or even ten times the amount of work to turn that thing you thought was true, into a false positive. Don’t waste time, so get things right on the first attempt if you can, if not the first try for the second or third. Just make sure it’s on the second if you can and not the 100th try when you could have done something on the third try with the right mindset.
    To get a free copy of my book “More You Know, More You Grow: How to get better every day” just go to my website growwithjoe.me/book and just pay for shipping and handling.
    I have a quiz on my website that grades your inner circle, so if you want to find out if your inner circle is an A, B, C, D, or F, you can take that quiz at growwithjoe.me/quiz
    I’m also trying to do a feedback Friday episode, so if you have a question that you would like to have my answer on the air, just e-mail me at friday@growwithjoe.me
    I’m also on Instagram at Grow With Joe and Facebook just look up Grow With Joe
    If you’re on ITunes, don’t forget to give me a five-star rating if you liked this episode.
    Thanks for joining me today and remember if you go with Joe, you can grow with Joe, cause Joe knows Dough.
    *Music outro

  • What To Do If You Have Two Great Offers

    In this episode, we discuss how to make a great decision where you get two great offers. The answer is, take the one that is going to challenge yourself the most.

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    Full Transcript

    Hi Everyone, welcome to the You’re Daily Cup of Joe Podcast, with your host Joe Bautista. In this podcast, my goal is to give you quick lessons on how to grow yourself physically, mentally, emotionally, and spiritually so you can have better careers, better relationships, and better personal finances.
    I’m also the author of the book “More You Know, More You Grow: How to Get Better Every Day”. In this book, I wrote down over 30 tips to help you grow in those four cornerstones. I’m also the founder of Grow With Joe, where I combine self-development coaching and financial planning for Latino Professionals.
    In today’s episode, we’re are going to talk about what you should do if you have two great two offers on the table. The answer is that you should take the offer that is the most challenging and will help you grow faster down the road. I believe in this new economy, we need to constantly challenge ourselves as people, which will help us grow into better versions of ourselves in the future.
    If you take the job that is not as challenging and kind of easy, what tends to happen is that you will get complacent and you just stop growing as a person. Plus if the job is easy, then you’re not growing as fast as you could be if you would have taken the job that is most challenging. In two years, the person that takes the more challenging job might be at level ten while the other person is still at level 2. If you do challenging things, then level 2 will seem a lot easier earlier on then if you decide to take things slow.
    Kobe Bryant would work out three times a day while other NBA players would only workout twice a day. Kobe Bryant would work out at 5 am, then eat, and rest, then be back at the gym for another workout at 11 am, then he would eat, and rest, and then he would have another workout in the afternoon. So after one summer, he would have a lot more workouts in than he competition, and it showed during the regular NBA season and in the playoffs. When you have more reps that are challenging, it’s just going to mold you into a better person.
    This is why you should choose the offer that is going to be challenging. It is going to be uncomfortable and you might mess up but if you stay persistent, work hard, and learn from the mistakes, then life will turn out better for you. Now that I look back at my own life, I wish I would have done some more challenging things in life because they would have served as a better learning opportunity and I would be more of a beast now than I am now.
    So now looking forward to my life, I’m going to start taking on more challenging things that will help me accomplish what I want to accomplish in my life. We only have one shot at life, might as well try to figure out what I can accomplish in life. I hate to see wasted potential in life because it causes people to make regrets in life and if you have regret, then if you have regrets in life, you won’t be as happy or satisfied with life as you could be and then this might bleed into other parts of your life.
    There is a difference between mistakes and regrets though. I got into a serious car wreck when I was in high school that was reckless on my part. I have regrets about that but I have made peace with that and I’ve said I’m sorry to the people I affected. Then you just got to move on with your life. It was a mistake and we make mistakes. The best thing we can do is just be a better person in the future and not make the same mistake twice.
    Going back to the two great offers, don’t see yourself short, you can learn how to grow into the role. If you’re struggling through, go out and seek help from someone at work or do your own research. If you do this, then you’ll be better off. If you’re afraid of going into a managerial role and it’s a great offer, ask your employer to give you some training. If they don’t have a program at work, then find a private solution that can help you own. If it helps you be better at your job and it makes the firm more profitable, then they won’t have a problem with it.
    By taking on more and more challenging roles, it can help you with even more difficult challenges in the future and if you don’t spend any time growing yourself, you’ll just crumble when that next challenge comes and that challenge might be the one that takes your life to the next level. It’s like the quote, success is when preparation meets opportunity. So we have to constantly prepare ourselves for the next opportunity. This doesn’t require to work 24 hours on yourself. Look at Kobe Bryant, he still took time to rest and focus on other things, but it also required him to remove a lot of unimportant things from his life so he could do that. Greatness requires sacrifices so you just have to figure out what level of success you want. Not everyone needs to be like Kobe, but if you were a tenth of Kobe, then that would also be very good as well.
    That’s it for today’s episode, to summarize it, if you have two great offers on the table, choose the one that is going to be more challenging for you. It is just going to help you become a better person. I recently just decided to start my own firm and it’s very challenging but I tell myself that this is what is required for my future success. I also tell myself that I rather die in freedom than to succeed in chains. I crave freedom and by challenging myself to become better as a person is the only way I can secure that freedom. Plus going after challenges in life is going to help me realize what my full potential is going to be in life. And then when I die, I will ensure that there is nothing in the tank and I died on E. This is the way to live life, don’t live with regrets. So challenge yourself and see what you can accomplish.
    To get a free copy of my book “More You Know, More You Grow: How to get better every day” just go to my website growwithjoe.me/book and just pay for shipping and handling.
    I have a quiz on my website that grades your inner circle, so if you want to find out if your inner circle is an A, B, C, D, or F, you can take that quiz at growwithjoe.me/quiz
    I’m also trying to do a feedback Friday episode, so if you have a question that you would like to have my answer on the air, just e-mail me at friday@growwithjoe.me
    I’m also on Instagram at Grow With Joe and Facebook just look up Grow With Joe
    If you’re on iTunes, don’t forget to give me a five-star rating if you liked this episode.
    Thanks for joining me today and remember if you go with Joe, you can grow with Joe, cause Joe knows Dough.
    *Music outro