Bautista Planning and Analytics, LLC – Registered Investment Advisor

Tag: Self-Development

  • The Project Is You

    Earlier this week, I went to check out a new barber to find someone who can cut the top of the hair. Usually, barbers can either cut the top but do not do an excellent job at the fade or can do a great fade but are not good at cutting the top. It’s a blessing to find a barber that can do both.

    As Adam got started on the haircut, I shared my story of traveling abroad and what I do for a living while also asking questions about him.

    Adam has been cutting hair for five years, and he said he likes to read old books because they provide many valuable insights on life, and said that people should read one of his favorite philosophy books, The Kingdom of God Is Within You.

    While we continued to talk about philosophy, he said that people are the project, but most people don’t realize it. I guess I never thought of it like that, but this is what I’ve been doing for my entire life.

    I went into the Marines to help change my life. I got degrees because I believe they would help me out. They helped, but if I didn’t have my GI Bill, I would have been drowning in student loan debt and wouldn’t have the flexibility to do what I’m doing now.

    I’ve been to public speaking conferences and done improv to help with my communication skills. I use Grammarly to help me write these blog posts to help me find my errors, and a previous partner taught me how to proofread my writing. I was a personal trainer because I wanted to understand how to do an effective workout for myself and others.

    When it comes to financial planning, I’m pretty much a master because there aren’t that many issues that I come across, and I don’t know the answer. If I don’t know the answer, I have a network to reach out to and get the guidance, but I’m still always taking continuing education credits for my profession.

    So the next thing I’m working on is Data Analytics because I think there are many opportunities to help me and my clients make better decisions. Now I’m consuming textbooks and articles on data analytics, and I’m taking the Google Analytics Certification course on Coursera.

    I work so hard on myself because I gain more control, flexibility, and options in my life when I do. Another thing I’m trying to do is reach the outer limits of my human potential like George Raveling says he is trying to do.

    Every time I level up my skills and mindset, it clarifies my life and shows me the next step. This is a big reason I love to read because they provide clues to help me unlock my potential.

    To do this work, though, you have to treat your mind and body as a project. You are continually refining different parts of your life so that you become a work of art. Adam was a musician before he started cutting hair, and I told him that the biggest thing that makes writing shine is editing. It’s like the Blaise Pascal quote, “If I had more time, I would have written a shorter letter.”

    Adam said as a musician, he was constantly looking to make the music cleaner and the lyrics crisper, but without ruining the experience. Adding too much or making something too simple is an easy mistake to make as an amateur.

    I look at old stuff I did in the past, and I’m embarrassed by what I wrote, but I know it’s OK because I’m not that person anymore. I grew as a person because I’m constantly working on myself, and this took time. I also know that I can spend too much time working on something, so there needs to be disciplined to know when enough is enough. I usually tell myself that I’m going to edit something around five times before I ship it out, but it can be more depending on the project. I just need to know the situation I’m in.

    No one knows how much time they have left on this planet, so I’m going to enjoy it as much as possible. For me, this is finding the right mixture between working on myself and trying out new experiences. I need to take these breaks at times because they rejuvenate me and give me new ideas. If I didn’t have this fantastic conversation with Adam and took the chance to find a new barber, I wouldn’t be writing these sentences right now. I also went to the Oregon coast with my cousin, and we got to experience the Oregon coast and talk about life and our family dynamics.

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    Working on yourself will be frustrating at times, and you might not see the progress you want, but realize that great things take time to build up. Growing too fast causes weak roots, and the first major storm will knock over that tree. An Oak tree can take 20 to 50 years to mature, but its roots will spread out as much as 90 feet from the trunk, and no storm will be able to knock it down as long as it’s healthy.

    So have hope and patience while you work on yourself. You’ll eventually be a highly polished project, but remember that there is always room for improvement and not become complacent in your self-development.

    You got a lifetime, but each person’s timeline will be unique, so don’t waste it.

    P.S.

    I’m offering a new service to provide people’s budgets and data analytics to help them make better decisions. This service can help identify future trends like unexpected expenses so folks can spend more time working on their projects. If you’re interested in this service, click here.

    P.S.S

    Adam did a great job with the top of my hair, but could do better with the fade. Oh well, I’m only here in Oregon until November.

  • It’s Hard For An Empty Sack To Stand Up Straight

    In this episode, we discuss the need to work on ourselves if we want to stand up straight in life.

    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 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 discuss the need to work on ourselves if we want to stand up straight in life. About 250 years ago, Benjamin Franklin said that it’s hard for an empty sack to stand up straight. And he wrote down a bunch of otherwise sayings in his book Poor Richard’s Almanack. 
    This is a quick read, but it offers a lot of sayings that you should ponder and I get that chance on this podcast. I feel that I’m really good at remembering facts and stories is because I’m teaching everyone listening to this podcast these tips. I write the episode first and then I record it. So that lesson becomes even stickier in my mind. 
    And I feel like my sack can stand up straight because I’m constantly making sure it’s full. And when my sack is full, I have a lot of resources that I can rely on to help me live my best life and handle any obstacle that comes my way. 
    And the key thing is that we can’t take it easy with filling up our sack because it is constantly being depleted. One of the key things about life is pattern recognition. If you can recognize patterns faster and better than other people, this is going to set you apart from a lot of folks. If you look at chess masters, they have great memories when they see a board, they know what are the threats and opportunities when they glance at a board and it’s because they’ve been studying the game their entire life. 
    But if the board is set up in a way that is very uncommon, then the chess masters can memorize the board because that is not how the brain works. We look for patterns that we’re used to and then we know how to make decisions from there. This is why I love to listen to podcasts and read books so that I can understand patterns within human nature. If I see this is going on, then I know I should either do this or avoid doing that. 
    If I don’t put any knowledge into my sack, then I’m not going to be able to stand up straight when that event comes my way. I’m going to get run over. And in life, you’re going to get run over, because we can’t prepare for every event that comes our way, but there are many things we can do to minimize the effects of that event. And it is also important to fill up your sack with materials that can help you get back up when that happens. 
    If a sack just stays empty, it’s not going to accomplish anything and life is going to be harder to handle. And life is already hard enough, so don’t make tougher than it has to be. Do this, and life will be a lot better, plus you’re going to be able to enjoy more things since your sack is filled up.
    That’s it for today’s episode, to summarize it, it’s hard for an empty sack to stand up straight as Benjamin Franklin said. So take time to fill up your sack by working on yourself physically, mentally, emotionally, and spiritually. If you do this every day, then you’re going to have a pretty full sack with lots of goodies that you can enjoy. And when you go to a conference, do you want a swag bag with nothing in it or with mediocre stuff. The answer is no, you want a swag with amazing goodies that you can use in your life. So make sure you’re filling up your sack so you can stand up straight and handle whatever life throws your way. 
    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.

  • You Can’t Stop The Wave, But You Can Learn To Surf

    In this episode, we discuss how we can’t stop things from changing, but we can gain new skills to deal with them.

    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 that you can reflect on in your journal to grow yourself physically, mentally, emotionally, and spiritually and have a better career, better relationships, and better personal finances. At the same time, 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 Grow With Joe founder, where I combine self-development coaching and financial planning for Latino Professionals.
    In today’s episode, we will talk about how we can’t stop things from changing, but we can gain new skills to deal with them. I grew up in the 90s, and I remember going to the grocery store to get photos developed. It was a surprise to see how the photos would turn out, but now that feeling is gone for me because, with my phone, I can see the photos right away.
    A big issue with Kodak and its downfall was that Kodak thought it was a chemical company even though it was the first company to create a digital camera. They put that technology off to the side and started buying more chemical companies to add to its portfolio. Now in 2020, Kodak is not a relevant player anymore.
    Kodak didn’t learn how to surf when the wave started coming in the new millennium. I remember quickly buying a digital camera when I started making money. It was so much more fun to see the camera right there on my camera, and I didn’t need to develop the photos because I could store them on my camera.
    There was a wave of consumers moving away from the film because people could take photos on a digital camera, and now people take photos on their smartphones. There was no amount of advertising or new improvements in the film sector to keep consumers there.
    There will always be a wave coming because of the hardest things for a society to suppress our ambition. Someone will see someone’s cash cow and then figure out a way to make the price lower, deliver it faster, or provide better service.
    With my last company and financial advising, I saw a wave coming with how business was changing. I decided I needed to leave the broker-dealer world and start my own fee-for-service investment company. Earlier this year, the SEC came out with a new rule called Regulation Best Interest, which made it harder for broker-dealers to stay in business. Now people at my old company are complaining about how much work they have to do for the same amount of money.
    I saw the wave coming, and I’m glad I learned to surf. I have to learn many other things, but I can delegate to other people down the road once I grow a lot bigger. It’s not extra regulation that is slowing me down. This is why I like to learn so much, so I can see which waves are coming. I don’t want to be blindsided by one if I can help it.
    The news is not a good place to see where waves are coming unless it’s a niche new site like the Wall Street Journal or Chief Information Officer dot com. You have to listen to long-form podcasts on a specific subject to see which waves are coming. Now we can’t learn about everything, so I would focus on your specific field and what’s important to you. The key to this is to learn how to surf before the wave comes. Do this, and you will glide by everyone else.
    And that’s it for today’s episode. To summarize it, you can’t stop the wave, but you can learn to surf. A wave is coming, and we need to constantly be working on our skills to stay ready when it actually comes. And if you’re doing the same thing, and you’re doing it because it’s always been done that way, then a wave is probably going to becoming. So learn different skills and work on building up your network to surf with a group of friends. In this new economy and future that we have, more waves are coming, so start training because we don’t rise to our expectations, we fall to training.
    Suppose you would like to get the journal questions for today’s episode. In that case, you can sign-up for my monthly journaling subscription newsletter, where you get daily journal questions Monday through Friday. 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,” 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.

    Additional Resources

    Get my personal development book for free

    Take my personal development quiz

    Schedule a discover call for one-on-one coaching

  • You Get What You Tolerate

    In this episode, we discuss how if you want to have a better life, start tolerating the things that will get you a better life.

    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 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.
    At the end of today’s podcast episode, I’m going to give you a prompt question to reflect on in your journal. The idea is to take one to five minutes to reflect on today’s lesson and write a minimum of one paragraph on how you can apply the lesson in your life. You can use an actual journal, a word document like on Google Drive, or your note-taking app like Evernote. The idea is that you’re actually thinking about how to process the information to help you improve your life.
    In today’s episode, we are going to talk about how we get what we tolerate. This applies to your health, your relationships, your career, pretty much everything. If you can tolerate going to the gym and striving to eat well and get a good night’s sleep, then you’re going to receive the benefits of those activities.
    For myself, I love to read, and I’m willing to tolerate this activity so I gain all the wisdom. If you’re not going to tolerate certain conversations, then you’re not going those conversations in your life. I think as people, we have to decide how much of something we’re going to take.
    If you tolerate going to a job that you hate going to, that is what you’re going to get. If you can tolerate a relationship that isn’t filling up your cup, then that is what you’re going to get. The world is not a mind reader and it’s going to try to give you what it’s offering but for the most part, that means following someone else’s dream.
    In life, you have to know who you want to be in life and be the person that you want to be in life. And to help you understand the type of person you need to be and then actually be that person, you have to tolerate doing growth activities and be comfortable with uncertainty and losses.
    I’m not going to tolerate going back to a regular 9-5 job. If I tolerate that job, then I’m going to a stable paycheck as long as the company does well and I’ll get benefits but what I’ll be missing out on is creating my own thing and being the person I want to be. I don’t want to work for someone else, so I have to tolerate being a business owner.
    I have to tolerate the uncertainty of not getting a client for the day, I have to deal with the uncertainty of figuring out stuff as they come up, and a bunch of other stuff, but the reward for tolerating this stuff for me is control and autonomy over my life. This is what I want so I’m going to tolerate the entrepreneur lifestyle.
    Same thing with your relationships with friends, co-workers, acquaintances, family, and significant other. What you tolerate from these people, is what you’re going to get. So either you can take them as they are or you can try to raise their standards by setting a good example for yourself.
    To set your own standard, you’re going to need courage. It can be hard to stand up for yourself but the more you do it, the easier it’s going to be. Just remember that a missed mistake lowers the standard. So every time you tolerate the lower standard, that is what you’re going to get and it’s going to take work to raise that standard.
    To help you understand what you should tolerate and how high your standards should be, you just have to know yourself and what you want and need out of life, the go out and create it. Then if things enter your life that is not up to your standard, you can either get that thing to be of a higher standard or you just remove it from your life so you can focus on the stuff that matters to you.
    So understanding what you should tolerate is going to be kept in your development, so you want to change something in your life, you probably need to raise your standards and find something else that you can tolerate. I couldn’t tolerate being in the military anymore so I got out. I wasn’t going to be able to change the military and I saw that I could create something larger outside of the military, so that was the path I followed. Now I am much happier because I’m doing the stuff that I tolerate in my life and it gives me a lot of purposes. I’m not sacrificing who I want to be and this is exactly how I want my life to be, and this gives me a joy that I’ve never experience before and don’t want to lose.
    That’s it for today’s episode, to summarize it, you get what you tolerate. So figure out the life that you want to have with your career, relationships, and lifestyle, then figure out what you need to tolerate in order to obtain those things. It’s probably going to uncomfortable and you’re going to face rejection as you move towards the life you desire, but it’s what’s required. If you can’t tolerate these uncomfortable things, then you’re life is going to stay the same and be filled with things that you don’t truly enjoy. Life is short and the goal of life is not to exist for 100 years but to live for those 100 years. So if you want to live life, raise your standards, and execute. Do this and I think you can have a pretty great life. And if you need help, then ask for help.
    So in your journal, ask yourself, what is something that you’re tolerating in life that you shouldn’t tolerate anymore? Do you need to raise your standards in an area of your life? How can you raise your standards? Are you satisfied with your standards? The goal is to see what you should and shouldn’t do with your life. If you can spend more time on the stuff you enjoy, then life will be good but this requires work. So put in the work and start growing.
    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 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 and hit the subscribe button as well.
    The greatest compliment you can give me is to share this episode 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

  • Don’t Be The Sucker In The Room

    In this episode, we discuss how we should know the deal before we accept the deal, so we don’t become the sucker in the room.

    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 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.
    At the end of today’s podcast episode, I’m going to give you a prompt question to reflect on in your journal. The idea is to take one to five minutes to reflect on today’s lesson and write a minimum of one paragraph on how you can apply the lesson in your life. You can use an actual journal, a word document like on Google Drive, or your note-taking app like Evernote. The idea is that you’re actually thinking about how to process the information to help you improve your life.
    In today’s episode, we are going to talk about how we shouldn’t be the sucker in the room. The world is a very complex place with a lot of different people in it, who have their own agenda and they are going to do things that will benefit themselves.
    I’m in the financial services industry and we get a lot of flack for screwing people over and I say it’s because of the industry was formed. It started off with stockbrokers, who made a commission, based on how many transactions they made. There was an incentive to sell a financial product and back in the 1950s the fees were a lot higher than today’s environment and it could cost up to $100 in brokerage fees just to execute a trade to buy or sell a stock.
    Thanks to the internet, you can find a trading fee as low as $0 on some brokerage platforms. Now there are trade-offs in terms of speed of the transaction and access to auxiliary information, but today more and more people have access to invest in the stock market.
    Now when it comes to the financial services industry this year, there are three types. Commission based, asset-based, and fee-for-service. Basically a commission-based financial planner gets paid on selling a financial product like a mutual fund, life insurance, disability insurance, or long-term care insurance.
    An asset-based financial advisor gets paid on what they manage. For example, if you give $500,000 or $100,000 to someone to manage that money, they will charge a fee of 1-2% most likely.
    A fee-for-service financial advisor charges on complexity. They charge a fee based on how much work it will take to build a plan that covers topics like estate planning, tax planning, retirement planning, cash flow planning, and investment planning.
    A financial advisor can be one of these, all of them, or any combination of the three. You just have to know the deal before you accept the deal. And I’ve seen people get inappropriate advice or bought an inappropriate product because they didn’t know what they were getting themselves into.
    So this is why if you enter into a room and you don’t know who the sucker is, then you’re the sucker. Now the sucker is the person that doesn’t know what’s going on. They don’t know the incentives behind the person in the room. Now, these incentives might not be entirely bad for both parties, but one party might not get their full benefit.
    Now a person can be taken advantage of in all three scenarios, but I feel the best model is the fee-for-service model because it allows the financial advisor to be in the best position to be a fiduciary. With the asset-based and commission model, there could be an incentive to move someone’s money to a product that this not the best for the client. If you don’t have a product to sell, then there is less conflict of interest.
    A lot of this depends on the situation, and what your goals are. But you don’t want to enter a situation where you can be taken advantage of because you didn’t do your research and making the wrong decision can have huge financial consequences, which can lead to other problems.
    This doesn’t just apply to your personal finances but in other parts of your life. This could be with a relationship, your career, and a hobby that you enjoy. If you really want to do this thing, then make sure it’s what you truly want and it’s the best for you. We’re humans and we get to decide what we put in our lives, for the most part, this is what I believe. Or we can design our lives in a way to create a perfect life. And what that perfect life entails, is up to us.
    But the key thing is, make sure you’re not being taken advantage of. I would recommend you ask questions and try to figure out what are the goals for this other person. If you believe it’s fair and just, then there shouldn’t be a problem. A lot of the things we enjoy today are based on the social norms that we believe to be true. So what is true for you might not be true for someone else, but we need to know what is the truth for ourselves.
    I’ve made mistakes where I followed this dream, and then I found out is wasn’t something that I wanted in my life. I thought I wanted to be a police officer in high school because that is the only job I thought I could get, but going into the Marines, reading books, and listening to podcasts has expanded my horizons in terms of what I could accomplish and what I want to do. Just raise your awareness and see what you need to add to your life and remove from it. This is going to take patience and action, so do what you can and start building that great life.
    That’s it for today’s episode, to summarize it, don’t be the sucker in the room. If you don’t know who the sucker is, then you’re the sucker. Try to understand the system, the motivations, the desires, of all the parties involved, and the tools that people are using to help them reach self-actualization. The tool might be the wrong one, or it might be the right one. We just need to increase our wisdom to know the difference. So before you enter something, just know the deal before you accept the deal. Know your upside, know your downside, know what you can control, what you can’t control, and where are the bottlenecks and inefficiencies are. Do this and you’ll decrease the likelihood of being the sucker in the room.
    So in your journal, ask yourself, are you the sucker in the room? Think about your work, with your family, your friends, a service that you’re using, a product you’re using? If you’re the sucker, how can you not be the sucker in the room? What skills or wisdom do you need to acquire to design your life with more control? What are the incentives of the other people or the system that you’re involved in? Just think about the situation and figure out a way on not to be the sucker in the room, and then start taking steps in that direction to help you live your great life.
    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 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 and hit the subscribe button as well.
    The greatest compliment you can give me is to share this episode 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

  • Pride Makes Us Artificial, Humility Makes Us Real

    In this episode, we discuss how being too prideful can hold us back from accomplishing great things, and it’s humility that will get us to new heights. 

    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 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.
    At the end of today’s podcast episode, I’m going to give you a prompt question to reflect on in your journal. The idea is to take one to five minutes to reflect on today’s lesson and write a minimum of one paragraph on how you can apply the lesson in your life. You can use an actual journal, a word document like on Google Drive, or your note-taking app like Evernote. The idea is that you’re actually thinking about how to process the information to help you improve your life.
    In today’s episode, we are going to talk about how pride makes us artificial and humility makes us real. I was in the Marines for seven years and we are a breed of folks that take a lot of pride in the fact that we joined the Marines. It has the toughest boot camp of all the branches, we’re the smallest branch, we tend to have to do more with less, but the Marines are typically the first to fight, the tip of the spear as we like to say.
    Even though I’m a Marine, I will give someone the benefit of the doubt and the ability to prove themselves before I dismiss them. An A player is 36 times more valuable than a B player. One person can really do the work of ten people and if that person was in the Air Force, I would gladly accept them on my team.
    When it comes to the Air Force and the Marines, and for the Army and Navy as well, we like to rag on the Air Force by calling them Chair Force because they tend to not go into the field and train. They’re in an office capacity. I was in an office capacity myself, being a Supply Administrator so I don’t have too much leeway. But if I came across someone from the Army, Navy, or Air Force, and they were an A player, I would gladly accept them.
    It would be foolish of me to dismiss their skill just because they wore a different uniform. So I need to have the humility to accept them into my circle, or otherwise, I might find them a formidable opponent. And instead of trying to destroy each other, we can work together to create something amazing.
    It’s good to be confident and take pride in your work because they typically mean that you’re going to create amazing things, but you can take it too far and then your pride can become a liability. That why we need to have the humility to know when we need help and who we should have as an ally.
    Plus if someone from the other branches wanted some help, I would help them out because they are not my enemy, and hopefully, if I needed help, they would offer the same thing instead of discriminate against me. That would just make me feel awful and I don’t want to do the same thing against someone else.
    I just finished a book about Air Force Colonel John Boyd and he helped revolutionized the Marines Land Fighting abilities by adopting the OODA Loop and allowing small units to make decisions based on the current information instead of waiting on orders from above. John Boyd’s theories about warfare allowed the Marines to take over Grenada with ease and helped the US win Desert Storm quickly as well. If the Marines never would have had the humility to allow John Boyd to speak with them, then the Marines would still be stuck in 1970 thinking and that’s not good. Too much pride makes you live in the past while humility gives you the ability to grow. And in life, you want to keep growing if you want to be successful.
    That’s it for today’s episode, to summarize it, pride makes us artificial and humility makes us really like as Thomas Merton said. Once again I don’t know who this is but I like the quote. And over the past couple of months, we have had a lot of protest over social injustices and inequalities with the black lives matter movement. I would chalk a lot of this tension to people being too prideful and not having enough humility. Just one of the many issues that we need to solve in order to make the world a better place. But I would say it’s good to be prideful but makes sure it’s rational. Pride can give you the motivation to keep going and to give your full effort, but if you only rely on pride, it’s won’t take you as far as you could go with humility. Like always, there is a balance, so know when to be prideful and when to show humility. The right balance can help you reach new heights in life and live a pretty good one as well.
    So in your journal, ask yourself, are you having too much pride where it’s clouding your judgment? What are some of the benefits that the other person or thing can provide? Are you sharing your real feelings about the situation? How can you show humility in the situation? Can you show gratitude or vulnerability to make yourself more real in the situation? Do you know have enough pride in certain parts of your life? Just take a look at your life and see where you need to show more pride and where you need to show more humility. And then just keep experimenting with your day so you find the right balance. Probably going to take a while and you will make a mistake but at least you’re growing in the right direction.
    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 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 and to hit the subscribe button as well.
    The greatest compliment you can give me is to share this episode 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

  • Ignorance Not Arrogance

    In this episode, we discuss how there is too much information out there to know everything, but it’s not okay to ignore the facts once you receive the truth. 

    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 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.
    At the end of today’s podcast episode, I’m going to give you a prompt question to reflect on in your journal. The idea is to take one to five minutes to reflect on today’s lesson and write a minimum of one paragraph on how you can apply the lesson in your life. You can use an actual journal, a word document like on Google Drive, or your note-taking app like Evernote. The idea is that you’re actually thinking about how to process the information to help you improve your life.
    In today’s episode, we are going to talk about the need to know how to be wrong. And the best way to do this is to embrace ignorance, not arrogance. There is way too much going on in the world where we can know everything about everything. We have too many responsibilities and obligations in our day to spend all our time studying. We got to live life too.
    I know I’m going to be wrong about a lot of things, and the key thing is just to accept the truth and not double down on my false beliefs. If I hold onto my false beliefs, then I’m being arrogant and that’s not good for anybody. I’m just being too prideful in my way and it’s just causing more damage.
    Now some of these things I can be wrong about could be cognitive biases that I’m not aware of. So I need to spend time studying these issues as well. If someone brings to my attention that I’m doing something wrong, then I’m going to take that information in the process it against other information I have, and then come up with a decision on the best next thing to do is.
    The worst thing to do is just to dismiss it because I feel like I’m a better person. I know I can be wrong and I will accept that. I’m not going to let being wrong hurt my pride, I’m going to say I was wrong and try to be a better person the next time around. If I don’t do this then I’m being arrogant and that’s just going to be bad for the world overall.
    And sometimes my ignorance could be coming from a good place. If I’m hosting a party, then I should make sure that I’m taking other’s people needs into consideration. If someone has a diet restriction, then I should consider that. Other times though, you don’t need to. If you’re hosting a party and only want to serve meat, then you can put the expectation that you’re only going to be grilling meat but if you want something to be put on the grill, they can bring it because I don’t know how to cook vegan or vegetarian food. You just have to weigh the situation. I think in that situation, it’s not mandatory to show up, so you can be as nice as you want to. If it’s a mandatory thing, then you should be more inclined to take other considerations as a factor.
    We are going to make mistakes, but the best thing we can do is admit our faults and then do better the next time around. The world will be a better place but it’s okay to be ignorant, but as long as you’re a good person trying to get better every day.
    That’s it for today’s episode, to summarize it, we have to be okay with being wrong and then correct our mistakes. And we are not going to know the right thing to do in every single circumstance, but the idea is to be okay with ignorance but not arrogance. With arrogance, you know you could be wrong but don’t want to admit it. And is someone admits their guilt, don’t gloat about it. You can be depending on the situation like a sports outcome but not in a work environment. Especially now with the black lives matter movement, there are tons of things that people didn’t know about but I think we’re moving in the right direction. We are not accepting arrogance anymore and it’s a positive move in the right direction.
    So in your journal, ask yourself, what is something that you were ignorant about in your life? This could be with your family, at work, or with yourself. What will help you understand the situation better? Are you letting your ego hold you back from moving on? You can write about all three things or something else if you feel like it. The goal of life is to live as close to the truth as possible and just be a good person. Do this and your life can be better and the world will be better as well.
    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 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 and hit the subscribe button as well.
    The greatest compliment you can give me is to share this episode 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

  • If The Grass Is Always Greener On The Other Side Its Probably Fake

    In this episode, we discuss that we should know what we are chasing in life because if we don’t, we might find out the thing we were chasing wasn’t worth it. 

    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.
    At the end of today’s podcast episode, I’m going to give you a prompt question to reflect on in your journal. The idea is to take one to five minutes to reflect on today’s lesson and write a minimum of one paragraph on how you can apply the lesson in your life. You can use an actual journal, a word document like on Google Drive, or your note-taking app like Evernote. The idea is that you’re actually thinking about how to process the information to help you improve your life.
    In today’s episode, we are going to talk about how if the grass is always greener on the other side, it’s probably fake. In today’s media landscape, it’s real easy to take a photo in front of a fancy car or jet and associate yourself with that success, without having that success.
    I recently watched a video on Youtube, where they were going over the show MTV Cribs and how people like 50 Cent, Bow Wow, and JoJo, didn’t own all the stuff that was shown at their crib. JoJo didn’t even own the home that she was at, while 50 Cent and Bow Wow didn’t own any of the vehicles. They were rented to show the illusion of success.
    As a financial planner, when you get to see someone’s budget, assets, and liabilities, you can get a pretty good picture of who is trying to maintain fake grass and who is not. I used to work at the Pentagon and White House and before those experiences, I thought they would be extra special than what they were. Yeah, you can get to experience some cool stuff, but you don’t see all the other work that goes into running these two buildings.
    No one has a perfect life and there are issues that people are dealing with. Someone that has a lot of assets, might have trouble with their family and don’t maintain a strong bond. Of course, there are certain problems you want to have over others, but don’t assume that everything is good.
    Debt is something that could be causing fake grass as well. I used to live in DC and would wonder how people maintain their lifestyles, and I could run a budget and see how they were living in my head, and I could see that their paycheck is not keeping up with their lifestyle. It reminds of the saying we spend money that we don’t have to impress people that we don’t even like. Or it could be the case that we’re trying to keep up with people who have more resources than us. Both are fatal.
    Right now, I’m living as a digital nomad, and not everything is perfect. You have to deal with loneliness at times because you’re in a new country and don’t understand the language completely. You might choose the wrong Airbnb. I accumulating business debt from my last business that I’m still trying to pay off. So it helps to live in a country like Colombia because it’s so cheap to live here and I can focus on school and my business. I hope no one thinks my journey is easy and completely stress-free because they are things in my life that give me stress and worries that I need to deal with.
    There are a lot of things in the world where you think it would be nice to have their life but you really don’t. To be a celebrity that can’t go to the local coffee shop without being hassled probably has a lot of cool things in their life but that doesn’t mean they are completely miserable in other parts of their lives. I remember hearing a story of an actress winning the Oscar, and after the show, she just showed up to empty home with this huge reward. So winning huge rewards might not give you the satisfaction in life either because you have other empty things in your life.
    There are plenty of ways to design a good life or a fake life, it will be better for your sanity if you can design the good life and that might mean some trade-offs. Just now what is important to you and what’s not important, and start designing a life that removes the unimportant stuff and adds more of the important stuff to your life.
    That’s it for today’s episode, to summarize it if the grass is always greener on the other side, it’s probably fake. I look at the bosses that I had in the past, and I can say I didn’t want to there on life. I had one boss that traveled so much from office to office that he said one time he fell at the wheel. I don’t care how much money, I’m getting paid, I don’t want to die in a car because I was working too hard. Luckily he was alright and nothing happened, but that experience served as a reminder to me to be careful of what I chase. And if you chase the fake grass, it’s going to cause you to harm sooner or later.
    So in your journal, ask yourself, what is about a certain lifestyle that you crave? Does it seem like their life is problem-free? Do you think all your problems will go away if you obtain this thing? What are all the good things and bad things about this thing you desire? Could somebody be faking the results for you? Just ask questions about the situation that you desire and see if it fits within your values and principles. We only have one life to live, so let’s make sure we use our time correctly by chasing things that will truly make us happy.
    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 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 and hit the subscribe button as well.
    The greatest compliment you can give me is to share this episode 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

  • In Charge But Not In Control

    In this episode, we discuss how in life, there are a lot of things that we’re not in control of, but we can be in charge of the general direction things go in.

    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 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.
    At the end of today’s podcast episode, I’m going to give you a prompt question to reflect on in your journal. The idea is to take one to five minutes to reflect on today’s lesson and write a minimum of one paragraph on how you can apply the lesson in your life. You can use an actual journal, a word document like on Google Drive, or your note-taking app like Evernote. The idea is that you’re actually thinking about how to process the information to help you improve your life.
    In today’s episode, we are going to talk about how in life we are in charge but not in control of the situation. Right now, there is a lot of uncertainty in the world with covid-19 and the racial tensions that are happening in the US now. I’m recording this podcast from Colombia and it’s a weird feeling to think Im safer here in Colombia than in the United States.
    I never would have thought that this would be the case. I’m still trying to run a business and I’m trying to figure out how can I be sensitive to the situation but also figure out a way that I can grow myself out of this situation that also helps out others.
    I don’t know how to save the entire world but I do know what I can do to save my slice of the world. That is what I can be in charge of. I can’t be control of every aspect of what’s going on in my life but I can do things to influence others to make better choices and hopefully be a better person because that should be our main job in life.
    The definition of that is going to depend on what you what out of the world so I guess the first thing you got to ask yourself, what do you want to do this world. For myself, I want to build up my financial planning and development coaching business to help more Latinos take control of their money.
    And there are a lot of things that I can’t control as I work towards this goal. Right now, I’m in Medellin, Colombia and I’ve had setbacks in what I wanted to accomplish. At my last two Airbnbs, there was a lot of construction going on and it was hard to record videos during the day. Some days, the internet was terrible and I couldn’t do my Facebook Lives, then all of a sudden Zoom wants to be difficult and not do Facebook Lives anymore. I keep getting this 403 error and I’ve been waiting almost three weeks on an answer from zoom on how to fix this. All this was happening while covid-19 was happening and now there are riots and protests going on in the US and I’m wondering how much I should focus on what I do.
    There are a lot of things I can’t control right now but I’m in charge of the success of my life. I’ve spent time writing in my journal, I’ve read books, I did my MBA school work, I worked on my podcast, and been working with my clients to ensure they are on track for their goals. I’m trying to take charge of my development and the development of my clients.
    There are going to be obstacles but we need to take charge of the situation and focus on what we can control. l. I can’t control the government, the economy, and other people, but I can do things when I’m in charge of my success and the success of my clients. One of the things I did to take control of the situation was to offer pro-bono work to people who have questions about financial planning. This might be an investment question, a budget question, an insurance question, an inheritance question, and tons of other questions that I can answer and bring some type of peace of mind to their lives.
    This helps me save my slice of the world and also helps me get better as a financial advisor.
    There are plenty of things we can do to get ourselves out of this current hole but the first step we need to take charge and come with a game plan to make things better. We can’t pass the buck on this one because things rarely get better for ourselves when we take a passive approach. There might be somethings that need to go on the back burner because they are not as important as other things.
    So focus on what is important and just try to save your slice of the world in this moment.
    That’s it for today’s episode, to summarize it, we’re in charge but not in control of most things in this world. So we need to develop a game plan to help us get the outcome we want that is probably going to need many different strategies to help you accomplish your goals. We can’t control the externals stuff completely like the economy, people, and governments, but we can take control of how to react to those external things and this will put us in charge. Remember, casualness leads to casualties. So figure how you need to take control of the situation and start getting to work.
    So in your journal, ask yourself, what is something that needs to be accomplished in life and how can you be in charge of the situation? What do you need to do to take extreme ownership of the situation? Do you need to have an uncomfortable conversation with someone? Do you need to coordinate resources to ensure things will work smoothly? Do you need to ask for assistance? Do you need to delegate some tasks so you have more free time to work on the important things? When it comes to obstacles in life, we can’t go around them, we must go through them and we can do that by taking charge of our success.
    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 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 and to hit the subscribe button as well.
    The greatest compliment you can give me is to share this episode 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

  • Big Things Start Small

    In this episode, we discuss how to need to be patient with our goals because big things start small and require a lot of attention to grow. 

    Full Transcritp

    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.
    At the end of today’s podcast episode, I’m going to give you a prompt question to reflect on in your journal. The idea is to take one to five minutes to reflect on today’s lesson and write a minimum of one paragraph on how you can apply the lesson in your life. You can use an actual journal, a word document like on Google Drive, or your note-taking app like Evernote. The idea is that you’re actually thinking about how to process the information to help you improve your life.
    In today’s episode, we are going to talk about how big things start small. I was recently watching a Frontline special about Jeff Bezos and he said this line when he was talking about Space Travel.
    He thinks it’s necessary to do space travel because the world has a finite amount of resources but a growing population. This is his main motivation for growing Amazon into a bigger and bigger company so he can fund his space travel passion.
    If you look on online, or in the show notes at growwithjoe.me/episode 275, you can see a photo of Jeff Bezos back in the 90s working at his desk. His desk a door that is placed on two workhorses and on the wall is a poster board with amazon.com in blue spray paint.
    If you were to ask people 25 years ago where Amazon would be in 2020, no one would have predicted it’s position in the world except for Jeff Bezos. He would tell you it was a lot of hard work with a lot of experiments that didn’t work out. But this is what is required to turn small things into big things.
    This is the way I see my life. I feel like I came from a humble background, but I’ve constantly been experimenting with my life and working hard on developing myself and my resources. I had to lose a lot of weight as a kid, I worked hard on getting good grades, I went into the Marines and did night school, I did a study abroad in Mexico, I moved to Washington to DC, and eventually I started my own company that does financial planning and development coaching.
    While I was working at a financial planner at my last firm, I had to learn a lot of a person and how to make a business successful. I had to learn sales, I had to learn marketing, I had to learn to be confident when I interacted with my clients, I had to learn how to do business taxes, and I had to learn a lot of other things.
    Then eventually I saw that I wanted to see a difference in the financial services industry that catered more Latinos. And in order to do this, I needed to start my own company. I’m about a year into my new business and I’m started to see my company grow. I see the next moves I need to make to help me reach my ultimate goal of hiring more Latino Financial Advisors.
    As I’m recording this podcast episode, I’m five and half years in the profession as a financial advisor and I’ve doing self-development work for about 8 and I’m super proud of where I am today and where I am going because I’m being true to myself, I’m not compromising who I want to me in life and I’m progressing in the right direction.
    I definitely want to do big things for myself and others because it’s going to make the world a better place, but we have to remember that big things start off small. And it’s going to take time and energy to grow something small into something big. So be patient and just follow the process.
    I have a list of things that I have to do every day in order to turn my small thing into something larger. Some days are better than others but I’ve been consistent and you also have to overcome the obstacles that come your way. Things are simple to do but they are not easy like I said in yesterday’s podcast episode.
    It can be hard to be patient but when I think about what I’m working towards, it gives me the motivation to keep going. Plus in my journal every day, I write down the ten goals want I want to accomplish in life and what is it going to take to make the goals a reality. Then when I time blocks my day, I make sure I’m doing activities that will help me reach my goals. If I don’t do the activities that will progress me forward, then I’m really just wasting my time and we have to understand that we won’t get more time in the future, so make sure you’re using your time wisely and this should live to a fulfilling life.
    That’s it for today’s episode, to summarize it, big things start small. Whatever your goal is, that goal might be big to you and you just have to realize that you will start off with something small and you will work your way towards that big thing. On a daily basis, you have to know what small thing you’re trying to turn into a big thing. Where ever you direct your time and energy at, is what is going to grow and get better at. So make sure you’re doing those activities that will turn your small thing into a big thing. And also make sure that is what you really want in life. It’s also important to know if there is a better way. One reason why I left my company is that they were slow on adopting new technology and business methods. I saw a better way of doing business and now I’m doing it. This is taking time but it’s what I want to do for the rest of my life and since I have this passion, I can endure turning my small thing into something larger. Can you say the same about yourself?
    So in your journal, ask yourself, what is a small thing that you want to turn into a big thing. The size of the big thing doesn’t have to be gigantic, it just has to be bigger than how it started. Then ask yourself, what is necessary to do today, to help start building this small thing into a big thing? What is it important to turn this small thing into a big thing? Are there better ways to turn this small thing into a bigger thing that people are not aware of? Just figure out what you need to do and start doing it.
    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 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 and to hit the subscribe button as well.
    The greatest compliment you can give me is to share this episode 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