0:01 Hey, welcome to today's episode of the hyper this podcast. I'm your host, Daniel Martinez. Today I have a special guest, Mr. Troy Holt, we're gonna get into all the things he does, but he's a fellow podcast host of the Troy talk show. Definitely go check his show out. Please welcome our guests, Troy, how you doing today? 0:18 I am. Well, Daniel, first of all, thank you for allowing me to come and be a part of your podcast. And it's just a truly come on. I'm truly grateful for the opportunity to come and be here. 0:33 Yeah, so I interviewed on Trey interviewed me on his podcast. And towards the end of it, I met a bit after the call, or at the end of the at the end of the episodes is like, I'm looking to do more podcasts and like, Guess what, he's just because he said it. We're gonna be on our podcast, and we're gonna do, we're gonna do a podcast swap here. But as well as things were like, if you don't say what you want, you'll never get it. So true. I didn't know Trey was looking to do more podcasts. But here we are. He said an hour. So I hope you guys get some value today. One of the first questions I'm asking is where you were part of the country you from and how long you've been there? 1:05 Sure. I'm in Pensacola, Florida. I've been here since 1989. Originally from Nashville, Tennessee, and I got to hear the Navy. 1:16 Calling you're in the Navy. 1:17 I did three years I did want to or got out and been in Pensacola ever 1:22 since. Awesome. Awesome. Appreciate your service. 1:26 Thank you. Thank you. 1:28 What did you do in the Navy while you were there for three years? 1:31 Yeah, I was in a position called AZ or it may administer Aviation Administration, man. So I basically, I was in the on the air, the aviation side and I did administration on the aviation side. 1:46 Okay, awesome. Awesome. That sounds like it was a long time ago. It was it was? 1:55 Yes, it was I joined the Navy in 1980. Yeah, so my age. 2:05 And I wasn't even born yet. Wasn't even more. That's awesome. I appreciate like I said, I appreciate all the servicemen that help out forever long leave help out with with the armed services and whether they're in combat or not, it's all important. And I appreciate everybody that does that. So first of all mentioned that. So tell us a little bit about what you do. And one thing I really liked about your bio, and for everybody, you go to high with us.com and check out Troy Hills bio. He says the chief encouragement officer, I thought that was really cool. 2:45 And here's my pitch. Here's my elevator pitch. So it's Troy I own a company called Troy Hill consulting. I'm the CEO CEO stands for Chief encouragement officer. My title is my personality, truly as my person that I'm, I'm encouraged. And so when I say chief encouragement officer, that's my personality, but what I actually do, I'm a certified financial educator, and I teach people how money works in America, as well, worldwide, about 70% of the people are illiterate when it comes to money, and just educate people show people how money really works. And that's what I do in my business. 3:23 Are you a financial planner? I'm not 3:25 a financial planner. But I do have some certifications. I could I'm I'm eligible to go and get the CFP certified financial planner, but I didn't want to pay the money and time to do that. So I have a couple of designations but CMP it's one of the top tier circle certifications. 3:48 Yeah, I talked to a financial planner on the podcast before. That's why I asked because I Yes. I know a little bit. I know a little bit about a lot of things, especially podcasting and talking different types of guests. You learn a lot. Yeah, variety of people. Right? So, Chief encouragement officer, so you're looking, you're looking for people that have never invested before looking to invest into something to maybe build a better future. Like what's your typical client look like? So my 4:15 tip client is, is the average American who you know, they they have a sense of money, but they don't they don't have the direction that you know, so we talked about what we call the seven money milestones and as a roadmap or blueprint to financial wealth or generational wealth and it's a financial education that we want number two is proper protection number three is never mind when just the phone number for US debt management. Number five is cashflow six is a building wealth and seven is protecting wealth. And so we we take someone's Through, not always, everything is on boom, boom, boom, boom may take some time. But it's a roadmap, and we show them how to get there by putting all those plain things in place and dealing with those issues. And in America, many people, they don't have the education, like, what is the rule of 72? People? What is that? The rule of 72 basically is, take your interest rate that you're getting, so you get 1% in a savings account, and you divide it by 72, then that is how long? The answer is how long it takes money to double. So you get in 1%, and you divide it by 72, it's going to take 72 years for your money to double. So we talked about that. The rule of 72. And then we showed them how they can move their money in other things to be able to get better than one. Because a bank people are getting zero. Nationally, the average is 0.9%. But some of the large banks is 0.1%. 6:06 Yeah, that's, it's definitely I wish I wish they would teach like, like the basic financial literacy, I think, as you're covering that with a lot of new people, but they covered that in high school. I mean, it's such a necessity which attorney teen and you gotta I always laugh at the people, these kids online, they get their first job. And then IRS took 25% of my paycheck. I was very funny. It's always very funny. I remember for me, so I, I knew about it, but I was just like, I take that much my paycheck, so I'm really gonna get paid. What? 6:41 And when you total it up, you know, you say, oh, man, I got this 20 $23 Check. And then you get it as 1800 What happens? The other 500? Taxes? Gotcha. Yep. 6:55 taxes, taxes, Texas. That's the one thing that hits everybody. No, I wish more people I wish more people covered financial literacy as a whole. And I think providing financial analytic literacy to the young. Age is important as well, it's because if they don't understand the basics, I hate to see it too. Because like, one of things always blows my mind is all the people that win the lottery, they come into large sums of wealth, and they they've just gone in five years on average tears. So it's one of those things where like, you can, you can think you have all the right information, but whatever you don't know is what's going to prevent you from getting to where you want to be in life. And if you do get it, and didn't earn it, you could frivolously burn it all, essentially, 7:45 overtime to your point. And to your point, Daniel, even though some people that win lottery, many times don't realize, you know, taxes, so they take in, they get all this money, then they get taxes, and then a lot of them, they steal furniture, literally, they just got a lot of money. So they don't know what to do with it. Now. I don't gamble. So I won't play the lottery. But let's say I came into an inheritance of money. So so I'm getting my CPA, my estate planning attorney. And so we will get together. We don't we don't, we don't have to design a plan. And me as a financial education advisor, I want to make this laugh. And I want to I want to leave it as generational for my grandkids. And so I want to design a plan for that instead of just going spinning money. I want to sit down and to make it last and be very wise with so many people don't do that. You know, they go spend in a house or car and things like that big house car, you know. And, you know, for me, those things don't really matter. To me. You know what? I like a new car. Yeah, but I mean, it's not. I have a 2008 Nissan Altima and a 2001 Honda Civic. I mean Honda. Yeah, Honda Civic. So I got two old cars paid off. So going to get a brand new car. It really doesn't move me, you know, it's something but I'm not knocking anybody who go do that. But it just, it just doesn't. 9:16 So one thing, one thing I think I really wants to come out on this show is asset protection. So let's talk about maybe maybe you come into wealth, maybe you have a good paying job and you start on what you want start protecting your assets. Are you recommending them to attorneys are our IRAs 401 Ks to go that route? Or it's kind of individual based based stuff, whatever their goals are, and necessities are at that time, because it seems like you kind of left the whole the whole roadmap, but somebody might be already at Phase Three versus phase one. We have to start from scratch. 9:47 Yeah, is what you don't matter what you said. So everybody's situation is different. And so I work with them on the individual case by case basis. Part of that asset protection is do they have a wheel? Do they have Healthcare by power attorneys, I don't offer these documents this is this is a attorney, but I'm gonna recommend you get these things in place. One simple thing that I'm going to tell them a manual is, do you have a who's your beneficiary, so everybody, your bank accounts 401 case, you have beneficiaries, then the second thing I'm gonna say is don't have minor children as beneficiaries on these accounts like the life insurance. And the reason why, because if you have minor children, minor children are not allowed to, to be able to receive funds like that. So what's going to happen is at the end of you, if you pass, then then whoever is handling your state, you don't have to have an estate planning attorney to get a guardianship. So that's money that's going to be taken away from that what you have to because no preparation was taken. So you're going to do beneficiaries, get somebody that you really trust that you know, it's going to take care of those children. Or you can you can you set up a UTMA. That will, you can put that in now, that's not the best option. But I think the best option is someone who you really trust that you know, will take care of your family in the event of your death. But those mistake people make they make the amount of damages beneficiary out a friend of mine. And he's a client and he said after shared his story, so his wife passed, maybe 25 years, and his wife passed about two years ago, Nick mind the children. And so what happened was, she had a policy to work. And she named him as a beneficiary and 233 minors. But one of them, I think she was 18. But the other two was fine. So she had the one one of them wasn't even born, she had to manage it with the children as beneficiary. So he had to hire an attorney, he had to pay court costs and fees to prove that he's a guardian of his own children, in order to get them the father's name, and then they got the phones, but, but that's money that they could help in their family without spinning. So those are some of the things we look at, we try to recommend. 12:18 So what's the document in place that they need to have in place to prevent, because like, I've done documentation like this, I mean, as you get into adulthood and have kids, you start putting beneficiaries. So like, I think the way I set my stuff up is it goes to either my spouse, like my stuff goes to my spouse, or my spouse's go to me, and then it goes to my children. So you're saying you need to have like an independent third party that's a beneficiary to receive all that stuff, just in case both of us pass? 12:45 No, what I'm saying is like your life policy, if you had just named your children as the beneficiary. So you got minor children as beneficiary, which is not wise, it's not the wisest thing to do. So some happen, can't receive the money because they're minor. Now, when you get complex, you may get, you know, setting up a trust, because of trust, you can take an insurance policy in the insurance policy is owned by the trust, and then the trust can be the beneficiary. So when you pass the policy goes into the trust. And they have set up parameters of how trust is directed. So because you don't know how your children want to be when you when you go and maybe that you you pass in a 25. You know, I have one son, I have three grandchildren. So different personalities. One, I spit it out, and the other one may save it. So you never know. So you want to be able to control it. But everybody doesn't need a trust. It's a case by case basis. Some people do. But everybody should have a wheel, which basically say, Hey, this is how I want my assets to be distributed Stribling and many people in America don't have wheel. Two people. Prince and Aretha Franklin didn't have no estate plan. No wheels, no anything. So now held up in a record. I think they settle. Aretha Franklin. Chadwick Boseman. Did have no. Yeah, didn't have an estate plan. So a lot of the money, I think it went half to his wife and didn't have to his parents or something like that, because no estate plan and I felt the people that passed, but also the people around them that's supposed to be their manager. And helping them didn't say, hey, let's do these things, you know, and get these things together. 14:34 I'm really glad you mentioned that too, because I wasn't meant to chat in Bozeman, like I said, but it's one of those things where even people that operate at a high level don't have the basics in place. Correct? Correct. You have you have assets to pass down and make sure you you follow proper procedures to make sure you move properly. 14:51 Then you're in real estate. So you know you want to make sure when you as is set up that you can distribute it and this stays in the family and Most your your children, your grandchildren, it stays in a family. 15:05 Yeah, I know, for us real estate bases that they always advise us to put your property in a trust that way that avoids probate and benefits. All right. So there's a lot of things. So there's a lot of there's a lot of hang ups that come with it. But I think it's one of the things we're like, seeking in advisors understand what you're getting into, if you have assets, what assets you need to cover, in what way and really understanding the full facet of your prior end of life planning. I think, again, one thing that's guaranteed is always deaf. 15:37 A true true, and they say taxes, but definitely, 15:42 definitely. I was gonna say, I was gonna say death and taxes, but Yeah, real estate taxes somehow. 15:48 Yeah, that's a good thing. 15:52 Only death? Yeah, right. No, I think I think it's a cool, it's a cool avenue to be on, because at least so many people need the basics. They need the basics to be done properly, properly for them, someone's on their side to really get them to the to the point where they need to protect their assets. Because it's such a such an important thing. We see all the time with like people that get their property passed and probate and then it's just craziness happens between the family or the attorneys, or all this extra nonsense that could have been prevented with just a simple paperwork. 16:29 And then another thing that I see in here sometimes is that, you know, there never been a conversation with the family. And then there's no mention set up and so, so, I know, when my mom passed, I had to go find us, you know, cuz she paid unexpectedly. And, you know, so had to go fine. Did she have, she had told me she had insurance through her job. But I don't know what else guys had to find on the check. We'll go through, you know, checkbook and such and such such. So like, for me, my life. I handle all our affairs. So I've created a document. And so it has the policy numbers on there. The number to call, you know, because I got policies for my grandchildren, and all of that. So she can just take this sheet or she can just call the numbers because the policy number the numbers on there, and isn't, I have a little safe house. And she can just call those numbers. I know if something happened to her. She got me just make it to me so you can be distraught. Me I'm I'm looking at level headed and not emotional. So I can handle that with her. I know her. So I want to make sure she can handle I 17:44 know it's a it's one thing. It's one thing like I said, I've been thinking about more as I get older because my kids are getting not that they're older, but they're they're 55532 right now. So suppose things were like, as as I start accumulating assets, I need to protect myself and make sure I will still make sure there's a count of a count of assets. 18:07 Daniel, dad out to you and your wife, we're having multiple children and you know, small children, and my wife. I have one son, 29 year old son, so my heart goes out y'all to have multiple small children. 18:23 It's uh, it's fun. It's fun. I think it'd be better once they go to school. But right now it's fun. It's like it's yeah. 18:29 Yes, yes. 18:33 So, so how long have you been? How long? Have you been in like the education space as far as consulting? And I sounds like this is really your passion from here? 18:44 Yeah. Yeah. I've been in the industry itself for about 23 years. And so kind of what happened, I started looking at the wealth gap, especially the racial wealth gap, folks, stopped focusing on and seeing that the numbers were very disparate. And then I said, Hey, I want to start really focusing on this, especially in Americans getting us, you know, to a point, and I'm not gonna be able to close the gap by myself. But if I can help one, and my, my, my, my practice is not exclusive to America, African Americans, because I work with anyone, but it's just, we have one of the biggest need and then also, the team has a big, there's a big gap there. Also, I think there's a little bit better than African Americans. But African American we have a big wealth gap. Yeah, 19:46 I think it's important that all the assets, I think this is a crazy thing about like, time and asset accumulation. It's really, it's really generations generations time. Like one of the things This reason there is that wealth gap in general is just that they were able to acquire knowledge and pass it down and pass down those assets effectively. And that's why they have the upper hand. 20:09 Sure, true. And they started, you know, hundreds of years ago. And, you know, we just started, and we were trying to catch up, and then we're trying to, we're trying to learn, and then set up generational wealth. And a lot of that came through homeownership, you know, go back to real estate, it came through home on home ownership. But remember, African Americans, we had to deal with redlining, and we had to deal with government, which was part of the red line in the government society. So people didn't want us in certain areas, you had the government that they actually put out, it was it was a it was built in the early 1930s have started missing in the red line, and then also, society. Now, the fourth area, that's a challenging is us, you know, as we've got to take some responsibility, some of the things we haven't done some time, we wanted to time, some of the biggest consumers instead of producers, and sometimes we we buy a lot of liabilities instead of assets. And so we've got to take partial responsibility also, for this wealth gap. 21:26 Yeah, I also want to mention too, is that even like the mortgages, those mortgage discrimination, so they wouldn't even allow them to own houses. So I do want to mention that too. Because, like I said, for everybody here, like you might, you may not see on the right foot, or you were passed down assets, or information and all that stuff. And this is where you change it right now. And you make a better future for you and your family and your descendants moving forward. You can't change the past and what happened and what, what, what happened to your, to your people as a whole. But it's one of the things where you have to make the decision, I'm going to do better, I'm gonna do better for my family, I'm gonna set them up better for my family, I'm gonna utilize the time I have on this earth to create a better future for them, because that's what really matters. And hopefully they can make a change. And this is where I was like, I always talk about like, generational stuff like this whole time. Yeah, yes, it's not my job to hold the line, and make sure they do what's right. It's just my job to teach them to hopefully make the right decisions, because I might not be here forever, to guide them and show them the way. So it's just there to I'm here to produce the assets and hopefully pass down the knowledge for the time I have with them. And hopefully, they make the right decision, because I'm not going to be here forever. 22:45 And, Danny, I want to just kind of the curriculum being funny here. You won't be here forever. Me You are I will be here for you over 22:52 100% Not a percent. It's such a great topic. It's such a great topic in general. Yes. I appreciate the mission. It's such a such a large task to to carry, or it's even a Yeah, it's such a large, you, you really look at the numbers and the people affected by it as millions, millions of people. It is so I hope somebody listens today and reaches out because this is something that could change. Maybe not our generation, but the generations coming up in the right. Yeah, definitely. in the right direction. There's something I saw online was that if more people put insurance on their loved ones, who would stop, stop and prevent all the killings, because insurance people are the gangsters 23:44 I've heard. You know, one thing that that people don't realize, life insurance is probably probably the least the least expensive way for a person to leave an inheritance to the beneficiary. Really, no, yeah. Because, you know, I don't want to get into the weeds, but you got Term and Permanent insurance, and let's say somebody by happening in term policy, and they do a 30 year term, they pay and maybe the age and a lot of other factors, but they pay $30 a month for half me and in turn, and a pass of 50 or 15, where beneficiaries got half me, me and they named the beneficiary. You know, that's the least expensive ways to leave a inheritance, you know, to your beneficiaries. There's other other ways, but life insurance is one of the specific ways to get on the permanent side. You can not only leave a death benefit, but you also can be a castle and they can grow tax free. So so that's another strategy. But But my point is, is that you know, And $50 a month, you know, for, you know, let's say 60 years, I'm just throwing a number out there is field less expensive and trying to generate, you know, a $5 million portfolio, which you can, but I'm just saying this is the least expensive way to leave an inheritance to your beneficiaries, that it's not costing. And then if people can grab that concept, they can say, oh, you know, what, let me make sure I protect myself good, because we all want to save, we all want that one day. And so we just don't know when. 25:36 And I should stop topic, I want to take on end of life care, I know is becoming progressively more expensive. And a lot of people think they have enough but aren't properly planning for end of life here just because, as me and my 30s, it may be swarming them out with inflation and other factors that may be a crazy expense in the future. So what advice do you have on end of life care or end of life preparation towards caregiving? Because I have a reason why I asked this because my wife has an aunt transitioning into that she possibly needs care. And we also know to is going through that as well, where it's one of those things where like, they're, they're at that high paying job, they're I mean, people that age had social security, and you're getting all the benefits. Now, we don't necessarily have access to anymore. But most things were, end of life care is becoming an exorbitant expensive do you need to prepare for that? 26:35 Yeah, so this is another area that I'm kind of passionate about. So number one is one of the biggest fear of seniors, especially to boomers, this tab is running out of money. But also with that, they say about 6070 7070 70% of people 65. And over will need some type of form of long term care 70% of people over 65. And what's happening, so when I first started the industry, the focus was on retirement planning a retirement plan. But what the people failed, failed to really incorporate it, we kind of knew about long term care. But what people really didn't anticipate the skyrocketing cost of health care. So the skyrocketing cost of health care has gone up. And so therefore, people don't understand is we got a lot of baby boomers to retire, we are in a mess, and it's gonna be a bigger mess. In the state of Washington right now. They passed a law. So they passed a law and they put it on hold, but they passed a law that said that they charge in a payroll tax for w two employees, this payroll tax is going to pay a lifetime, a coverage of long term care whether a person stands at home, or they stand at a facility $36,000. Okay, the average date in a long term care facility is about four years, and the average cost is about $300,000. So it's not even up to $36,000 in the state of Washington, but what's happening is, and I heard Dan, you y'all state is Miss gonna follow suit and come up with something similar. And you're gonna see other states follow suit, because the state is saying, we don't have the money to care this now. There are some options that people can can do to to help alleviate number one is a long term care policy. However, long term care policy is very expensive. And it was long term care. The average age is between 40 and 60, that people buy a policy, but also strict underwriting because a lot of times a lot of people get turned out or they can't afford it. And so we see even today, we see even people who are millionaires, who've got plenty of money and millionaires getting long term care pots. Why? Because they realize that a health catastrophic can wipe out all their money. So So we come into this issue is going to be it's going to come up with long term care and people and then what another thing that people don't realize with this long term care, end of care issue is that the government doesn't allow you like for example, you got assets to grab your assets. If you if you have to go to a state facility and people said well, I just I just transfer my assets to like, just transfer my assets to Uganda you I'm the father, you son, I just transfer my assets. But the government does allow you that kind of five year look back. So you got to help set those assets of five years prior. Before they know. You said I'm saying so. So this is this is getting deeper and deeper in a bigger mess. And we just need to make preparation. And I have some options. You know, people can if they can do just one option, they can do a stand alone plan, which is very responsive. They did this hybrid plan. And then there's an alternative plan. So, so anybody, you know, listening, got questions about this, reach out to me, and I'll help educate. 30:35 That's amazing. I didn't know that. That's crazy. That's crazy. Yeah. Yeah, stuff you don't even think about. And I think this is this is the importance of this conversation as a whole as stuff you don't think about. Maybe it's time to think about it, maybe put it in your horizon. stuff. You don't have to actually, whether you're not getting maybe you're not interested today, but you need to address it sometime in the near future, and set up for it. And make sure you're ready to handle that. Handle that occurrence, wherever it happens, because it's gonna happen. It didn't happen. 31:08 Yeah, I told you 70% of people over 65 don't need some type of inequity in home could be in facility, but they're gonna need some type of care. 31:16 That's, that's crazy. That's a big number. 31:19 It really is. 31:21 That's a very big number. That's crazy. Wow. Yeah. It's very scary. Yeah. Very, very scary. That's huge. Healthcare 31:31 is not going down. It's still increasing. Yeah, 31:35 they're still increasing definitely. Definitely is for sure. This is why, like, a lot of people will they'll go, they'll travel for health care, just to avoid the cost from the United States health care. 31:46 Yeah, right. Yeah, definitely. Yes. Yes. 31:50 That's crazy. There's a lot of stuff to unpack with this. What is a quote that is yours or somebody else's that you resonate with? 31:59 Quote, and I resonate with, oh, man, I have a few of them. But one of them is, smile, small impact, can create a big impact. I'm sorry, I'm sorry. I messed it up. small acts of kindness can create a big impact. And I'm a firm believer of doing kind acts with people. Because you never know what somebody is going through. You know, you could be contemplating suicide. And I can call you and say, Hey, man, I just called man to encourage you and just want to check on you see how you doing? I'm gonna have prayer with you. And you could be like, Man, today, I was gonna take my life. And then one little small impact doesn't cost me money, little time. Now, one of the things I do, let me let me let me share this, this is one of the things I do especially on social media, especially my Facebook, I do it on the other platform, but especially on my Facebook. So if a person have a death in the family, and they put it on Facebook, I reach out to him just off my off my prayers and condolences. And then I'll say, Hey, can I get a good meal, what's a good meal and address. And so what I do if they pay, if they post a picture of the loved one on Facebook, I take the picture, put it in a call, I personalize the car, send the car, it's not asking for anything, not trying to sell them anything, just really just trying to be a source of encouragement. Now, what I've also done this year, so I have a system that I send these personalized cards, but But what I've also done this year is so they'll get a call again in 90 days. They'll get another one in 180 days, they're gonna know him 365 days. The reason why because death is it grief is a process. So when when this field is over, and everything gone, there's nobody really thinking about them. Everybody's gone on with their lives. I just want to let them know that somebody is still thinking about, you know, doing a Greek process. So that's one of the things that I did, because I smile at it creatively. 34:21 That is, that is amazing. It's amazing. A lot of people they don't till you've been hit with tea, you've been hit with grief in your own way in your own life and till it's tangible in your own life, you will understand the effects and power exploring Churchill's visual level, because I've heard 34:42 it is my title. You my title is Chief encouragement officer, as I told you, it's my personality. 34:51 No, that's That's amazing. It's amazing because a lot of a lot of people forget. A lot of people forget. 34:58 Yeah, they do. They do. And I mean, and if when I had death in my family, I wouldn't do my mom pass, I don't charge anybody I understand people got life and moving with life, but me just know how it is. And so I try to reach out to people and these people, I might not even know them, we just seem to connect it on Facebook. And, you know, I just know how it is when you have a loss, and you're grieving. And I just want to be, you know, encouragement. Now, there's people that have birthdays and celebrations, I send them a card also. So you know, I try to comfort people in their losses and celebrate their wins. Because everybody have lost, you know, lose a job, divorce, a pit of the spouse or family members, we all have losses. And so let's encourage people in conflict people in their losses. So, you know, they will feel like they're alone. 35:55 Yeah, yeah, I do the birthday ones. Whenever I get clients that I see us a birthday, he's our friend them on Facebook, and then I'll tell I'll put them up having birthdays on their stuff. And it's something I do every day, if I recognize a client, I'll do Happy Birthday. Just because a lot of people have been I mean, when you get older and age, there's less people around that you grew up with. It happens to you happens by my wife screen as she was in 97. And she like all of her, all of her, like direct descendants and siblings and everybody has passed. So there's no one that's good. It's kind of lonely, when you're the when you get to that age, because you're one of the last people and everybody knew and grew up with is gone. 36:40 It's true. And it's true. And then you know, with that being said, Dad, you we don't, we don't go around them as much, because we're so busy with our lives. And so, so, so many times the seniors are lonely. There's one scene in our church, try to periodically like on a weekend, I go grab early in the morning, grab some coffee and drops off to him. You know, he really appreciate that, you know, and so, you know, even his family is not involved as much with him. So So, and I kind of put myself in his shoes when I get his age. What I want people to come around me and do things for me, you know, so you reap what you so 37:26 percent. Let's talk a little about your podcast Toy Talk. Show. Yes, I know. Recently, you recently started this or not recently, but you got like 50 episodes out? till about your podcast where people can find it. And what's the podcast? 37:42 Yeah, so my podcast is short hauls I've been I'm on season three. My next episode will be my 50th episode. So I'm gonna probably do some type of celebration, a 50th episode. This month, I'm doing women history. So all my episodes of women is coming out this month. And basically my podcast, it started off as a monologue, we just shared my insight and things. And after, I don't know, 1012 episodes, I switched to a interview style. And basically, it's kind of a general podcast, by now basically, interview people. And I want them to share their story. All industry walks of life, share their story, and help them to share with my audience, you know, different things, their experience, their education, their failure, success strategies, and to show my audience to help them to be able to navigate their business, their life, and things like that. So it's really been exciting. Indians a lot of work. But I do enjoy status. People here this, the one thing my podcast is not I didn't do it for monetization, I get a very, very, very, very, very small monetization. But then one day, hopefully, it may turn a big monetization. But one of the things the joy of satisfaction I get out of the podcast is to meet amazing people. Amazing people like Daniel Mays and people who you find out about their story. You build a relationship with that's the joy that I get out of a podcast. 39:30 That's amazing. Yeah, it's a it's a cool show. I enjoyed being on everybody here. Go check it out. Troy talks podcast on all platforms. I'm sure it was coming out. Yeah, 39:40 yeah. You told me that. Yeah. So it's a Spotify, Apple, Google. Heart. Amazon see all those ones I can't, can't make kind of on site I can think of but about eight of them on so but the major is Spotify and Apple 40:00 And then you're coming out on YouTube. Correct? So yeah, 40:03 yeah, I'm coming out on YouTube. So I see where everything is going. So yes, I'll be on YouTube also. 40:09 So definitely check it out. If you hear if you catch this a little a little bit later, definitely check it out on YouTube, and Apple and Spotify for sure. And then short haul.com is where you're gonna find it for a year consulting, correct? 40:22 Yes, correct. Yes. Yes, Tahoe calm is my website, they can go there. It's a lot of videos and some educational things and presentations on there, if you go in and navigate the website, and also, if you see something that interests you, you want to talk more my calendar is there you can put yourself on my calendar. 40:44 There you go. I appreciate you coming on. I appreciate you sharing your passions, and I hope to help make some impact with you through the show. And who knows what small impact this will make. But I hope to help impact some people and hopefully somebody will. Yeah, I saw you on the Hyperloop podcast and yes, yes. They'll share their experiences. I don't know. Who knows. 41:07 Thank you. Thank you. Thanks. 41:08 I appreciate your time. Please, like likes, share share with a friend says somebody's encouragement or some end up planning and we hope to see on next episode. Thanks, guys say for coming in. We'll see you next time. Thanks, Troy for coming on. 41:22 You're welcome. Thank you