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Welcome back to the What's Your 1 More Podcast. I'm your host, Quinton Harris. You're dialed into the latest episode of what's your one more and i'm joined today by a reoccurring guest been here Once set the show on fire when he was here We were welcoming him back for a second round took a minute to get him back in here But welcome back to the show eric ross.
Let's party. Let's do it So if you don't know eric is ~uh, he is~ in the health insurance field, but more importantly has an amazing podcast So he's quite the personality as you'll see on this show, but he's got a podcast called ~what the health ~What the health just happened. ~What the health. ~You gotta add just happened cause there's a movie out there.
Did that just happen? Is that what it was? No, it's always been that. Okay, man. It's confusing cause there's a movie and a documentary called What the Health. So I thought it was always what the health,~ uh,~ excuse me, what the health just happened. You should be sorry. Here's what we know. Here's what we know.
~So you have, ~you have done a great job with, is it healthy or not healthy? All right. So ~it's a, ~it's a game we will probably play at the end of this show here. And last time he put me on the spot, I was not aware of it. ~Uh, ~this time I'm armed and ready. You're ready. Yeah. So, ~um, ~let's kick it off. So how's everything been going, man?
Jamming on the podcast, [00:01:00] obviously. Doing a lot of things got some great guests just cross your 100th episode. Congratulations. I had mr. Patrick young on the show That was awesome. Got a chance to listen that Pat's a great guy Even though he didn't choose my volunteers in the final four He put every other SEC team in the dog my guys Patrick if you're listening, I won't forget you for this one I didn't pick Tennessee either.
That's okay for that's all right. My son did ~we'll see ~we'll see~ so~ so how's everything going on the show? How's everything going in life man? Everything is a more good than bad. I'd like to say right so the company 212 benefits We do employ benefits for small to medium sized companies ~Um, ~employee benefits, complicated, expensive, pain in the butt, similar to the mortgage industry.
There's constantly changes. ~Um, ~what works for one person does not work for another. We started this show, What the Health Just Happened. What's crazy, we're on year three and we had talked about this. It really takes 18 months to two years to figure out your cadence, what's going on. We're celebrating a hundred episodes.
May 5th, so we just had our 100th episode with Patrick Young, you mentioned, show's been a blast, love doing it,~ um,~ personally, kids are great, we're on spring break, I did have a freak injury Tuesday night, I'm walking around on crutches, not [00:02:00] healthy, gimping around, so my only complaint is that I'm 42 and not 21 anymore.
~Um, ~man, I'm rocking and rolling, dude. That's great to be back. Great to have you here. So let's talk,~ uh,~ obviously a lot's changed. We got a new administration. You obviously know we're a financially focused show here.~ Our audience feeds off of the information that's, uh, that kind of, we,~ we go through the headlines, we cut it up and we're like, Hey,~ here's,~ here's facts.
We use a lot of facts over fear on the show. Really try to establish,~ uh,~ empowerment of our audience to say, Hey, listen,~ uh,~ I don't ~It's, ~it's the propaganda that's out there to kind of influence you, whether it's socials, whether it's news media outlets, like we just want to give you some facts of what we know is happening behind the scenes and just basic data sets that help kind of say, Hey, that might not be a hundred percent accurate, or it may have been kind of.
Twisted a little bit. So in the medical world, like from this administration, the change is happening. I know what's happening on the mortgage side But what changes are you seeing right now? Whether it's in health care insurance and ~like I know ~like I know insurance benefits is a huge deal That's one of the major costs to every household.
I mean we talk about homeowners insurance. We talk about taxes we talk about mortgage payments and just living life in general, but The cost of health insurance continues to [00:03:00] go up too, and it's always pushed down to the consumer. So what are you seeing on this side as far as,~ um,~ every day and benefits?
You talk numbers. ~That's, ~that's a, I love these loaded questions cause there's so many different directions to go. So do you know what an average household family premium costs? I'm going to guess 1, 700. About a 20, 000 in the United States. So if you have a family, right? Husband, wife. But 1, 700 a month, so it's kind of close.
That's kind of close. That's actually a great answer. Kind of close. 20, 000 a year is what a family's paying for their premium. So before they do anything, I am paying 20, 000 to get this shiny insurance card that sits in my wallet. That's before you step foot in a doctor's office, before you get x rays on an ankle.
Right. That's. What you're right off the rack and that most of those are probably what high deductible plans Correct because that's what you had to pay to get affordable at 20 ~and they're ~and they're what are they doing? They're passing on those dollars correct to the consumer which is so backwards an individual, right?
So just if you're one person not dependents being fortunate here is 7, 000 a year. Yeah That's a lot of money for an individual single person. So a family, what's the average,~ uh, the~ medium income for the United States right now? Do you [00:04:00] know? ~Uh, ~I think it's like maybe for a household. Yeah. I think, Charles, we did this on the show.
Wasn't it like household median income in the United States? I know it was in Jacksonville, but I think it's 138, 000 for the household. But here in Jacksonville, it's 78, 000. I was gonna say, I think nationwide, last I looked, was 72, 000 for household. Okay, let's bump that up to 100 K. So you have a family.
If they're making 100 K as a household, 20, 000 coming out of their pocket just for an insurance card. ~That's ~that's broken. That's a problem. So you do that quickly. That's 30 percent of income going out the door. It's a mess. ~Um, ~the administration side. So, so like anything we talk about a show, It takes time to see what's working, what's happening, right?
It's been a couple months. How many big changes are happening? A lot of administrations changing some terms. It's really complicated to talk about. This might be my business partner, Joey Jansen, can talk about this more. It's called the Consolidated Appropriations Act. So the CAA. What's happening in our world, which is great, is transparency is a necessity now.
It was the Wild West in insurance and benefits where ~you could, ~you could hide the compensation you're making. You could increase bonuses with insurance carriers. Like ~it was, ~it [00:05:00] was I would say borderline legal mafia. Right. So the CAA just came out. ~It's been, ~it's been a while now, but it's just increasing in popul Like, people understand it more, why it's relevant.
That was a big change before this administration. ~Um, ~and then I think the biggest thing These are strictly my opinions too, right? Some of these things are. A huge focus for me personally, like who is most responsible for your costs in health care? Like in our household? Like who's Like you personally. The dollars you're spending on health care, who controls that the most?
Sure. I mean, if I'm asking, like, are you asking, I guess what I'm asking is ~like, ~hey, who do we spend the most money on insurance in our house or who controls it? I was gonna say, I am the most in control of my health care costs. No one else is, right? Because you determine if you want to go to the doctor, you determine if you want to have things done.
Whether I get insurance, whether I see a doctor, where I go, am I paying cash, am I using insurance? But the biggest thing is, how do you take care of yourself, so you don't need to use the health care system as much as possible? So this administration, again, you can call them TikTok moms. [00:06:00] I think podcasts have really changed the world recently.
Absolutely. The election this last time, but you have very well known people in different sectors talking about ingredients in food,~ um,~ medications, that the cost of medications, big pharmaceutical companies, what they're charging for a medication that's 2, 000 more than what the, or 2, 000 percent more than what the actual medication is.
So the biggest thing I think that's nice, one of a few things, sorry, is this emphasis ~on, ~on M A H A, Make America Healthy Again. Right. That is a huge push. Is it. You know, shiny objects, is it actually going to happen? But at least now people are talking about it. Why are the obesity rates through the roof?
Why are there so many people with multiple comorbidities? ~Um, why, ~why are the, why is the rate of diabetes skyrocketing over the last 20 years? Now people are talking about it. They see it, they understand it, whether it's with their children or adult age. So ~they're, ~they're putting an emphasis ~on, ~on getting people healthy again.
We'll see what happens. Cause you're talking about trillions and trillions of dollars in healthcare, pharmaceutical companies, the food industry, but the fact that it's being [00:07:00] discussed and this new administration, I'm gonna talk about Dr. Marty McCary specifically here in a minute, he was appointed to run the FDA, incredible human.
That's a big thing right there. Transparency is a huge one. But I think two things, putting an emphasis on being healthier is happening. And then transparency in the healthcare industry, because for a long time, again, these are really deep, deep conversations. I'm just trying to scratch the surface here. So you're a fan of the, you're, you like Robert Kennedy.
I, again, I, you can judge me. You can say what you want. I am an RFK fan. I really am. ~Yeah. No, I have, ~I have no, no judgment one side or the other. It just sounds like to me, you're a fan of what he's bringing to the table and bringing ~a, uh, bringing~ light to a topic manner that may not have gotten as much light on it before.
In, in, in bringing in scientific research,~ that's,~ that's the other thing that there's hundreds and thousands of,~ um,~ peer reviewed scholarly articles that, you know, doctors, nurse practitioners, nurses did and put hours and hours behind using that information to make wise decisions. Because for [00:08:00] years, this is another book by Dr.
Marty McCarey, just came out with called Blind Spots, highly recommend getting it, where they would take this research, find one sentence in it and drive that sentence down basically people's throats to say, this is a good thing versus ~like, ~no, that's the complete opposite of what this 10 page peer reviewed articles about.
It's kind of what people do with the Bible too. Correct. Yeah. Same situation. You know, ~you always find, ~you always find what works for you and then use it. Right. Yeah. So weaponizing a study is what they did there. Correct. ~So, well, no, man, I think that's great. And you know,~ the other thing is that Charlie just looked it up.
So I will correct myself here. It's 65, 000, 60. I thought it was about 69, 000, 65, 000, 65, 000. Now, I think if I'm correct without looking over the screen to you, Charlie, that's from like the 2023 census Bureau, because the 24 is not out and we're into 25 now. So we're on my statement earlier, we pull real time income data.
So we might be a little ahead of the curve. I don't know that jump that much. ~Um, ~but I'd be curious to see, but it's definitely because,~ uh, we've seen, ~we've seen in,~ um,~ during this time just in labor wages, right? As the job market becomes more restricted, the hourly rate has gone up a little bit. ~Plus, ~plus we talk about on the show all the time, more [00:09:00] people have a part time job subsidizing a full time job.
So the household income now is probably, it's not hires and ~like, ~Oh look, we're winning. There's just more job functionalities taking place in the household. And we have more people holding down second jobs than ever before in the history of the United States just to survive. That tells you how bad the economy is, by the way, that's not.
People aren't thriving when they have a second job. I mean, hell, most people hate their first job. It's not like they're going, Oh man, I can't wait to have a second job. They're like, I'm trying to get away from this first one as fast as I can. So it's not a good sign. Do you want stats? I like random healthcare stats.
Yes. Do you know, hit me with, do you know the highest rate of heart attacks during the week? Ooh, it was ~Monday, ~Monday morning. I got one, right? Sure. Monday morning. That's when more heart attacks happen. Again, is it because you're waking up, you're dreading going to work? It's, yeah. It is. Not healthy. Not healthy.
And it goes to that point. ~Like, ~I always laugh, I'm like, I don't laugh about we having record numbers of second jobs. You gotta remember, before this, and those numbers were kicked off back, I think we recognized that in like August of last year. That's when we started seeing the numbers rise to all, and since then it's been a new high every month of second jobs.
But the previous [00:10:00] administration was like, We got a good economy, like we're thriving. And I'm like, there are so many warning signs that this economy is not good. And one of the things about this new administration is I like where Scott Besson has come out and said, Hey, listen, ~we've been, ~we've been intoxicated on maybe government spending and we need to get, we need to go to rehab.
basically. We need to go to rehab. We need to stop it. And the economy is not as, the private sector is not as strong as you think it is, as you've been disguised to think it is. And he started spitting some facts that we haven't heard a treasury secretary. I mean, he was having real talk with the American people.
And I mean, he's saying things that we talk about all the time on the show,~ like,~ Hey, listen, I need to get the 10 year treasury down. The spreads from the investors are going to get better. And I'm like, Who the heck is this guy? Like where have you been all 25 years? And it's kind of cool to see the realness that he's bringing out to the public.
But to your point, I think it's a, I think there's a more realness to this administration ~than, ~than not just the last one than I'd say the one before. The one before, the one before. So I wanna make sure they're real quick. Whatever they're bringing to the table right now fills a lot more real and transparent.
I, I love that, that, that's it. I [00:11:00] think the American people ~are, ~are tired of. Can I curse on the show? Yeah. Are tired of bullshit and fluff. Sure. Like ~here, ~here are the facts. And again,~ you're, you're, ~you're always going to adjust how you say a message, whether you're on camera or not. But I think people are like, this is, they don't trust healthcare systems.
They don't trust the government. They don't trust numbers. They're being fed. And now it's like, people want transparency. They want honesty and transparency, good, bad, or indifferent. Correct. Hit me with another medical fact. I'm one for one. How about a medical acronym? We talked about this. Ooh, buddy, this is gonna be bad.
Every, every, everything in the medical industry is acronyms, right? HMO, PPO,~ uh,~ all of it, all this stuff. I already feel a loss coming on. My new, no, my new, I have two acronyms that I'm obsessed with. One of them is ~FIMS, ~FIMS, that's foot and mouth syndrome. Some of us suffer from foot and mouth syndrome. And then the other one is WAFU.
I don't know if we ever talked about this. Oh no, I'm gonna lose this one. Again, I love this. I think it stands for we're all fucked up. Okay. So, so I always say WAFU. Everybody has some demon, has something going on, has a problem. The ones who pretend they got it all together, that's who scares me the most.
So my two acronyms I talk about all the time is [00:12:00] WAFU and FIMS. But,~ um,~ other stats. You know what the number one cause of debt in the United States is right now? ~Uh, ~I'm going to say just based on what we're talking about, medical debt. Medical debt. The number one cause. ~And, ~and 65 percent of those people going into medical debt have health insurance.
It's a mess. That's awful. That's awful. Well, you know, I'll say this ~and, ~and, you know. ~I don't, ~I don't live in your world, but as a patient and as an insurance,~ um, you know, basically, basically call me a ~subscriber. Is that what you would call me? I got people who are there. They're my provider. Would I be the subscriber?
I don't know. Yeah, you're, I guess it's backwards. You're a consumer. I'm a consumer, right? So I noticed that in this, you know, when my children were born, they were 16 months apart. Irish twins, by the way. ~Um, ~that's crazy. So, ~uh, ~what happens is. I noticed that nothing changed in insurance, and this was years ago, from the moment my daughter was born, 16 months later my son was born, 80 percent increase for the same procedure.
Nothing changed, 80 percent in 16 months, and that was 18 years ago. And so what's crazy about that to me is, with inflation and costs and everything, that was out of pocket. I can't imagine what people just day to day deal with, and I see some of the, I see some of the bills come [00:13:00] through, and by the way, I am like, Just so our audience knows, like the number one thing that can tank your credit report is a medical bill that didn't get paid because you thought your insurance company was going to pay it.
So you slide it to the side or you put it in a folder or you trash it thinking it'll come back as a reminder. Cause you get the EOB and they say, what you think you're going to owe? And then you wait for the bill to come in. You're like, Oh no, my EOB didn't match. That's explanation of benefits. So ~like, ~I'm glad you know that because a lot of people, we say, do you know what your EOB is?
They say, what's an EOB? And so, but this is where I'm just, I'm a credit conscious person because I live in this world. ~I see the, ~I see the effects, the cause and effect. So because of that, I'm consciously aware and like the only thing in my house I'm a tyrant about. And I use that word very lightly is medical bill came in and grab it because ~it's, ~it's the thing that can just show up on your credit report and just blow you a hundred points out of the water.
And you're like, how'd that happen? And so ~like, I get, ~I get so consciously aware and trying to teach my kids. I'm like, listen, yeah, you got a cleaning and they say it's going to cover it. The EOB says you're good. If something comes in from the doctor, it's 20 bucks. Do not discount that 20. Just pay the 20.
We can always talk about it later. It's 20 bucks [00:14:00] or a hundred bucks. It's what it is. Pay it and get it off the plate because that's more detrimental, honestly, in some cases than a late on your credit card. I love. Yeah. that this topic came up. This is hysterical because you're, like, the way that your mind works, right, ~with, ~with money, credit scores, et cetera, in the industry you work in, it is relevant.
You are an educated consumer. I am, you know, originally programmed not to mess that up. And you know more than most. Correct. And in this case,~ I,~ I know that. The majority of the population is not and don't understand. I know. What's funny is I'll make a counterpoint to what you say, and again, I love mentioning specific books that I think everyone should read this if you want to understand how health care works.
They're pretty simple reads. This. So, so Marshall Allen, this man passed away last year, an absolute legend. This book's called Never Pay the First Bill. So what happens in your example, if you get that bill in the mail, your thing is pay that immediately. I will argue the opposite, never pay the first bill because 75 percent of medical bills that hit your inbox and what you owe, everyone just pays it.
Everyone just pays it. You could be double billed for the same thing. So you [00:15:00] can delay, I get like you don't want to affect the credit score, but this book talks specifically in that instance, if you get a medical bill. Don't pay it. Ask questions. Understand your EOB. You can negotiate price. Oftentimes you call and ask four or five questions.
They'll say never mind. We're gonna waive your bill. This book for any consumer of healthcare That's huge. I'm telling you will like we cannot recommend. Change the way you do it. And so maybe I'm not as smart Than the rest. Peace martial. Yeah. But ~I think that, ~I think that,~ um,~ because of the world I live in, I'm so programmed to do it.
And the other challenge is this, for me, the thing about insurance and the thing about medical providers, they make it painful for you to make that call. And the pain is driven by, I'm gonna run you, I'm gonna run you around. I'm probably not gonna answer the phone right away, and then I'm gonna transfer you to someone else.
And then at that time, like I look at like cost of doing business and just cost in general. Opportunity cost. Yeah. Time spent. For me,~ like,~ I don't have 30 minutes of a day to, to just fight that and be done. ~Um, ~but I will say that I understand the principle on that. And for [00:16:00] me, it's just embedded in my head.
Don't mess up the credit by seeing that happen. So maybe I am jumping on and wasting some dollars there, but I do understand what you're saying. And I will say that,~ um,~ case in point, you know, ~um, ~there's a very popular. ~Very, ~very popular hospital that's here. There's only three of them in the United States.
And, ~you know, uh, ~I have been there for emergencies with my son before, and I have seen some things come over that I have been like, wow, that was way more than I thought it was going to be. And I have said, okay, I'll make a call on that. And. My wife is in the medical field, so she's way more intelligent than I am on the coding and all of this stuff.
Yep. And ~uh, went ~to your point when you've called and asked the billing department, they've been like, oh, hold on one second. Yep, you're wrong. Here's an adjusted billing. So that does happen, man. Again, I we've, I didn't think we'd go down ~this, ~this rabbit hole. I love this rabbit hole. So I'm gonna, I am gonna plug two 12 benefits.
Yeah. I'm in your world right now, by the way. So ~like, ~I'm tiptoeing around this 'cause I'm like,~ we,~ we work with companies typically 500 employees and smaller uhhuh sweet spots, companies, a hundred employees and less. So to your point, we have a [00:17:00] department,~ if,~ if you call with the medical bill and have concerns.
Okay, let us do a couple things on your behalf before you have to sit on hold for three hours for large insurance. Let us sign the waiver. Let us take care of it. ~Let us, ~let us ask the questions and go through it. And you will be shocked at how often ~those, ~those costs are eliminated almost entirely or a fraction of the cost.
~Um. ~So let's do this real quick. So if you have a company with how many employees or less? So you got a company 500 less, that means you got 10, you got 5, you got 25, it doesn't matter. Correct. All right, in the link on this podcast at YouTube with Wiltshire Wilmore, it's gonna be on YouTube with Wiltshire Wilmore, the number one, subscribe.
In the bottom, there's gonna be a link to 212 Benefits on there. Love it. You can find this, you'll find the contact information, and if you think that your team would benefit from having a service that's going to, Challenge these bills, never pay the first bill, help you and your team find out exactly, you know, what that is and isn't, then click on this and take a look at it.
And ~it's, uh,~ it's a great service that you guys provide and an opportunity to take advantage of this with Eric and his team. ~I love, ~I love that plug. ~Um, ~we talked to the show, what the hell just happened. So 212 funds, all of it. I never talk about our business. I try, when someone comes on as a [00:18:00] guest, it's ~like, ~I want to talk about you and what you're doing to your point.
So, so every company, every human wants the same exact thing for insurance. And I talk about this to every company we meet with face to face for the first time. We know what you want. You want the best insurance possible for the lowest price possible. Everybody wants that. We want that for you too. Like we, we know ~that ~that's the number one goal, but what are the other things outside of that?
Negotiating with carriers, making decisions based off of your census, where are they healthy or not healthy? Your employees, dependents, it's all the other stuff to, let's say.
I always say this about insurance to people, whether it's car insurance, health insurance, homeowner's insurance, you know, and if you've been around me, you've heard me say it. It's like a broken cock. I say this all the time. Insurance is one of those things you never really realize what you need, and you never want it until you need it.
~Like, ~you're like, [00:19:00] I'll take the cheaper one, and then you get like a terrible car insurance that doesn't pay out the premium or doesn't pay what you like, dang, I wish I'd taken the more expensive one. Same thing with healthcare. If you take that cheaper route, this is a true pay for what you get type environment.
And it's not always about the lowest price, and I always value service when it comes to insurance. Like, how good are you going to be to help me get Things paid for period case closed. That's it. That's all I want to know because if otherwise, why do I have you as an insurance company at all in any capacity?
~We we~ I say this all the time. Everyone does you want to pay now or you want to pay later? Sure, ~give me ~give me ~the ~the crappiest ~Uh, ~crummiest plan, like ~you're, ~you're going to pay later when something happens, hopefully it doesn't. That's when I go back to taking care of yourself. What big transition that's happening.
A lot of people are going to cash pay. So if you go to that large hospital system you mentioned and you have an insurance card, this is Florida blue. I have an insurance card that says United. He has an insurance card that says Aetna. We're going to have three different prices because of the negotiation between the insurance and the relationship in the large hospital.
If you go to that same hospital for the same procedure, let's say it's a foot MRI. If I say, what's the cash price, it is hundreds, if [00:20:00] not thousands of dollars less expensive than you say, here's my insurance card. ~It's ~it's crazy. So that's changing. ~That's the ~that's the mob racketeering you're referring to.
So just for our audience, I'm going to get in trouble for some of this stuff. Just in trouble. Just putting mouse in. I'm going to get him out of that. So ~here's here's what he's here's ~here's really summed up. What he's saying is that the major providers have pre negotiated rates at every hospital at every facility.
nationwide, and their negotiated rates are not created equally. They're created to benefit the provider and the insurer, and the cost is passed down to you the consumer. However, if you go in with straight cash, you're going to avoid that whole brokering out of the services and eliminate the middleman, and that if you can afford it, not everybody can, but if you can afford it, you're going to get a cheaper bill with the same service structure that you would have gotten around the other providers.
Yes, and there, there's a couple things we acknowledge. So when you mentioned provider, here's Another huge change that's happening in health care clinicians, doctors, pharmacologists, nurses, etc. ~They're, ~they're burnout more [00:21:00] than they've ever been burnout. There is a massive physician shortage coming to the United States.
And a lot of it is due to how you have to document how you have to code that. You gotta click buttons in order to get reimbursed certain rates. And ~if you don't put the certain, like,~ certain procedures are bumped up to a different, label something differently so they do get that pay. And there's billing departments that analyze this and they're like, hey man.
Rev cycle management is the fastest growing department, administrators in large. And look, I gotta say this too,~ like,~ I love all of the local hospital systems. We have a good relationship with most of the insurance carriers and they're not. I don't want to say they're evil, right, there might be some people in there,~ but,~ but you talk about the ones that are touching belly buttons, patching wounds, they care.
Like they're as sick of this, as tired of this as anyone. The people that are in the weed saving lives, helping people get healthy, man, they, they are, they're over it. And to your point, a lot of those physicians and a lot of those General practice what they're doing to get away from that day to day stuff is they're going and doing concierge services Oh in hordes, they're trying pcs direct primary care ~concierge ~concierge practices.
This is where they're going [00:22:00] But it's a better lifestyle for them. They can maintain their patients with better service better quality care And the rates are far different, excuse me, are firmly different than what they're forced to be charged in other areas. And that patient becomes a client at that point.
It's more of a client than it is a patient, so you're treating them like a client. ~You, ~you talked about something too, that there's so many technologies popping up too that ~we, ~we use in house, we recommend to other people. So if you have a procedure right now, you go on this, one of these multiple technologies, softwares, it's almost like a Google of healthcare and say, I need a knee MRI, type in your zip code.
It's going to give you everywhere you can get it. In a 10 mile radius and what the most cost effective version is. So that's the direction too, is educating consumers to make smart choices. That is, that's huge. So ~let me, ~let me switch gears a little bit. So we just talked about, hey, listen, you're a company, you have 10 employees, you have 500 employees.
A lot of our audience are independent contractors. They're real estate agents. ~Um, ~they're independent contractors. Maybe they're lenders. Maybe they have a small business. It's just them. What do they do? Oh man,~ that's,~ that's tough. I think that'll change too. ~I, ~I love, I kind of [00:23:00] have a love hate relationship with the 1099 model.
Okay. And I think there is a possibility. Let's use. What is it you hate about it? I don't hate it. It's just. Or what is the love hate relationship? It's more, this is just in our world. ~I love, ~I love the model. Like you, you want to provide and do well, like you're, you control your own destiny, but strictly from a healthcare capacity, they have to go to the open market and shop by themselves.
Some people will, some people won't. Companies, one of the three questions when someone's applying at a job, what do they ask? What's how much is the compensation? What are my what's my earning potential? Let's not like money matters. I don't care what anyone says How's the company culture right still care about money and benefits kind of what kind of benefits do you offer exactly?
Those are the first three questions. Everyone's gonna ask when job seeking for 1099 employees. There's ways to do it So we have some companies There's actually a real estate product that Like ~a, ~a partner of ours, they're based in North Carolina. They only work with real estate agencies to help benefit, to help provide benefits for the 1099 employees.
What does that [00:24:00] look like? You're not giving them a salary, but maybe it's X amount of dollars that they contribute. It's called an ICRA, an individual contribution health reimbursement. Can we put that link in here as well? I can, again, I can send you and share all this stuff. We're going to put that on our YouTube channel as well.
That's your one more with the number one. We're going to put that in there for the agents to take a look at. The real estate one too. ~Let me, ~let me confirm this because he, last call we had with him, I'm like, look, there's a bunch of places. It's ~like. ~This building we're sitting in. How do you offer something that doesn't break the bank for the company, gives something for the employees and makes it a little easier?
Because I'll tell you what happens in ~the, ~the ICRA thing specifically, individual contribution health reimbursement account. Company X, we're going to say we're going to pay 300 per employee per month to go shop their own thing on the market, which is great. It's, it covers the cost. They pick their own plan.
If that employee does not go on monthly and hit submit. Um, but again, I'll immediately, I'm going to call this [00:25:00] guy today and be like, what do you remind me again of this product? Cause I had thought about you guys probably about a year ago and I'm just curious in that world. Sure. Especially real estate.
It's the number one need of real estate agents. It's the number, like most of them,~ the,~ the ones that are full time do very well financially, but the number one need is benefits or they're on the spouse's plan, which then, so, so wife's in real estate or husband's in real estate. They're on husband or wife's plan for that company.
That skyrockets that company's plan. But a lot of husband and wives are teams in real estate. So a lot of them are working together in real estate. I would bet most are shopping on the open market, which has its pros and cons. I would say a lot more cons than pros.~ Like, ~do you, from like a patient consumer standpoint,~ um,~ a lot of anger over, over medical or is it just acceptance?
Which one is it? I'm going to say a combination of both. The biggest thing is, again, consumers, they care. You're looking at every penny that goes this way or that way. How can I spend more intelligently? The frustration ~is, ~is~ like, ~I, man, ~I need, ~[00:26:00] I need to see someone right now. for this foot. Like I'm banged up.
I don't want to go to the ER because the second you mentioned it, your son, when you step foot in that ER minimum 500 to 800 when you walk in that door, then everything after that, if you get an IV in the ER, the cost of administering an IV all in man hours should be. 40 to 60 bucks. You get IV administered in the ER, 600.
They're adding a zero on this procedure. So it's making smart choices. It's a lot of frustration, but I think people now are way more aware and making smarter decisions. Do you think a lot of people are frustrated with just the, I'm not going to call it racketeering of the insurance industry, but ~like, ~do you think they feel like They're becoming victimized of the greed and the health insurance.
No, no question. Is that what we saw happen with Brian Thompson? I, again, I got to tread lightly talking about this. Okay. Because I have,~ no, no, ~no, I love,~ let's,~ let's talk about stuff like that. ~It's, we,~ we are at a tipping point. In healthcare in the United States, and I always say, do you remember when ~that, ~that massive ship got caught in a canal, like it tried to [00:27:00] turn and it was stuck there?
It's like trying to turn around the Titanic on a dime. Yeah. This is a huge You're talking about the one in Baltimore that got stuck. Correct. This is a huge industry that's very difficult, but it, the boat is, the ship is turning. Mm hmm. ~That ~Again, a lot of people really try to tiptoe about it. It's so sad.
There's nothing good about it. You have 50 percent of the United States that's celebrating what happened and ~like, ~I admit that guy, like he's, he was an incredible human, a great father. You're the CEO of a company that has a pretty bad reputation right now. And all these large insurance companies now are, again, increasing their security team, but I think Maybe taking notices is what you're trying to say.
Correct. Yeah. There, there's I would say a horrible situation, a person like I don't love in any, I don't care it could be the most evil person in the world. Yeah. Like I'm not gonna celebrate something bad that happens to someone else. By no means. ~I think that, uh, ~and I agree with you, ~I think,~ and,~ uh,~ that I had no idea that you two had met.
What I was getting at was Vigilante consumer anger that's and that's scary and that's a problem. And that's a problem. That's something that [00:28:00] I think that we've seen How can I say it one too many times, right? And I think that our country is still very divided It's still showing up today. I mean a lot of the Anger from opposing sides of what's going out and this attitude of take it in your own hands burn things, you know, people being upset with Elon, whether you like what he's doing or not, setting Teslas on fire at the Tesla stations, you know, doing stuff like that.
Like we're, as a society, we're at a tipping point, you know, and at some point we've, there's gotta be something that brings us together. ~Um, ~and you know, I'm not saying that ~we're, ~we're not going down that path, but I'm saying there's continuing things that we're doing and there's inflection points. And a lot of the things that are put in place by this current administration are creating inflection points that I fully understand.
But I'm at a different level of understanding than maybe 50 percent ~of, of, ~of people in this building may not agree with that. And that's their prerogative. But I said this on the show to ~um, ~Charlie, I forgot who we were talking [00:29:00] to. It might have been just a self podcast, but I think it was Lenny Curry.
Is that we've got to get back to a place to where we're allowed to have a disagreement. And I respect your point of view, and that you respect my point of view, and we don't walk out of here going, Dude, I'm about to set his car on fire. This is crazy. Like F him this that he didn't he did ~he ~he how could he possibly think that like we've got to get back to a point To where that's the one thing I have to continue to preach to my kids like the social media doesn't help because you know Twitter fingers you can do it every not healthy not healthy, but the and it's not real it's just not real, but when we have ~these these ~these face to face conversations like Respecting the other person's opinion and just listening.
It doesn't take much, just listen. ~And, ~and then you have a right to have your opinion and don't be scared to have it. But don't~ be, um, don't~ try to be influential with it. That's the biggest thing. We have a term. We have a term. I love, again, man, you're bringing up some great stuff. We talk about this in my house, but it's, again, if it's a client we're working with, an employee at Two Toe Benefits, I feel like we have lost the capability to disagree agreeably.
How do we disagree agreeably? You can have. [00:30:00] Anyone can have their thoughts and opinions. ~Let's, ~let's sit down and talk. And at the end of the conversation, I may disagree with you, but like. That's okay. Yeah, and it's not good versus bad right versus wrong. You can have separate opinions and be on two different spectrums But how do you disagree up greedily?
And I think ~like we've lost ~we've lost that and like this is a good message that I guarantee if we took a real we Put this online, right? There's going to be someone, and there's going to be people that agree, there's going to be people that disagree, right? But there's going to be someone that's got to be the funniest person in the room, that's got to make a comment to try to humorize, excuse me, humorize, I don't know if that's a word, but It is now.
Make humor, make fun of the situation by poking at it, because for whatever reason, that's their insecurity showing up, and they don't know how to be in the conversation, so they just poke fun at it, because it's like, oh, it's okay as long as it's humor, and it's like, Yeah, I love comedy more than anybody, but like~ if you're, ~if you're degrading someone based on that humor, you know, it's a little different situation.
And so I think ~that ~that's a challenge that you have with social media is that there's no realness behind it, right? And so~ I think that, um,~ I think that's a whole nother conversation we can have, but my point is we got to get back to where we're respecting one another's opinion and quit. [00:31:00] That's the only thing I think that bridges this divide right now is getting back together where both sides can say, hey, listen, I understand what you're saying.
You understand what I'm saying. Compromise is key. You know, we haven't had across the aisle,~ um,~ really, since probably Reagan, we could argue maybe Bush, but it hasn't been a lot of bipartisanship in quite some time. And instead of,~ like,~ handling your business behind closed doors, like, I go, when mom and dad fight.
They probably should do it behind closed doors, right? Because ~it makes the, ~it makes the lingering effect go away. They can handle their business, walk out, no one knows. Same thing with bipartisanship. When you air that out on social media or you put a camera in front of it, that's not gonna, that isn't gonna end well.
Let me ask you, let's, I want to pivot to social media, right? So, I love doing the show, What the Hell Just Happened. I always say it's my favorite two hours of every week. The world we're in now, once we brought cameras in, everybody wants clips and chop up and distribute on social media, which is, I love it.
It's great. Chopped and edited. ~I almost, ~I almost quit doing the show last year because the scheduling, the posting and every [00:32:00] guest is ~like, ~hey, when are you going to get it up on the podcast? When are you going to distribute the content? I get it. Yeah. Bye. Like ~we're, ~we're looking to hire someone full time to do it.
~That's, ~that's different. If you, I love LinkedIn. I use it for business specifically. I'm very self deprecating ~on, ~on health insurance or I will, I will dog them and I love them at the same time. I cannot stand Instagram. I hate Facebook. I don't think I have a,~ um,~ TikTok account, but that's the world we're in now, right?
I think you,~ like,~ you have to be present if you want to distribute this information. We had a TikTok. We got kicked off a couple times. For the stuff he said? Yeah. That's a whole different conversation too, but I look at Younger kids too, depression rates, time spent on screen time, like ~it's, ~it's a ~tough, ~tough thing.
It's initially a challenge. Yeah. It's getting worse, right? And the false expectation narrative, that's the biggest thing. Just the false expectations that's being set through that is just not healthy. We talked about too, like ~I don't, ~I don't track engagement. I, if someone comments, I try to respond to it.
Yeah. If it's a negative thing, I'll, I'm like, I typically just respond with a clown emoji or a troll. Yeah, yeah, yeah. Like that's. When we talk about this, I mean, ~um, ~I have a canned [00:33:00] response. In my notes on my phone, so I just cut and copy and throw it on there. But I have found that when someone disagrees, right, or is like, Hey, and I've had some things where people flat out said, He's an idiot.
He doesn't know what he's talking about. And,~ um, and by the way,~ I respect your opinion. I just, I give you facts~ to show that I do.~ I've had a couple of people go, Oh, where are you getting your facts from? And I'll post the link and show them where we're getting it. And I have no problem doing that. You call me out on that.
I will show you it's facts or fear. But when people come in hot with just an erroneous opinion that has no fact behind it. I just put in there. Hey, you know what? Thanks for reaching out. Appreciate that. ~Uh, ~it's great to hear from you and ~you know,~ appreciate your opinion on here. What could we have done better or let's talk offline?
No, just what could we have done better? And ~I was like, you know,~ we respect our audience and we want to get better at it. I usually throw something like that in there and it diffuses the entire situation because they usually don't respond is what I'm getting at. Because to your point, it's a troll or something like that.
~Um, ~or a bot, you know, something of that nature. And so anyhow, yeah. You know, but we were talking about this. You don't look at metrics You've been doing your podcast for you know, two years now and you know, we're over two years as well And I think ~we were ~we were both discussing when you hit that [00:34:00] 100th episode or on your way to that 100th episode It's like this monumental moment, but then you get pulled down by all these people that are like, hey I want to talk to you about podcasts I want to talk to you about doing this and that and I think ~we were ~we were kind of cutting up you know off air before we got on here is that This is like a commitment and it's not like a,~ um,~ it's not like a, Hey, wing it.
Let's get in here. It's a commitment. It's a thing. And you got to be regimented. It got to be consistent with it. And we were both talking,~ uh,~ you got to fund it correctly, right? You got to treat it like a business and do it that way. And,~ um,~ I think we were discussing that a lot of people, you know, they ask questions like, Oh, Hey, how did you get started?
Let me pick your brain. Let me pick. That's the one. Let me pick your brain. Let me pick your brain. And it's ~like, ~I love what you said. You said, well, first of all, you're not going to be Joe Rogan. You're not going to get sponsors come crawling at you and at the end of the day like this is a super Empty echo chamber, and I remember like when we released our first five episodes There was one of them Charlie.
I was like man this one Well, no, I just thought like you it would pick up and then our 25th episode to 25 episode We [00:35:00] had a huge guest he was big and we dropped it and it was like you could hear the crickets There's me like a hundred people listen to it. I'm like How did that happen? ~Like, ~this is ~such and ~such and such and such.
So then, fast forward a year later, on the anniversary, we always re release that episode. Because of that episode, we'll release it And we do that every year with big guests, and we do it for tracking purposes. And what we found was that second year we released it had over 500, 000. And it didn't have 100 the first year we released it, but it was traction and continuity.
And then what we found is how the algorithms started dropping it. And then it picked up crazy and to this day, it was our largest YouTube,~ uh, it was, it was, ~it was huge and we, so we take key episodes and every year on the anniversary, we drop them and because we want to see how they reperform how the audience feels about it as the audience has grown.
That's what we learned is the audience has grown. They missed it. They're not gonna go back to episode 25. We're in two 38, you know, so we'll re release it again on an anniversary date. There's so many things to hit on that, right? I don't care what the job is, right? I'm going to use this as a comparison to radio, podcast, whatever it is, news show.[00:36:00]
When you start a job, right? When I'm a, when I was a firefighter, it took me six months till I'm like, I know what I'm doing. Then a year pass and it's like, oh shit, now I actually know what I'm doing. Then all of a sudden two years goes by, you're like, oh, now I know what I'm doing. So again, whether you're selling mortgages, real estate, anything.
You go through for school for it, but it takes time to realize ~like, ~Oh, now I know what I'm doing, right? I think two years is the magic number show job where you really hit your stride and you start getting on fire. It's two years. Yeah. So, so for anyone out there and there's a lot of shows popping up all the time, this is the fastest growing industry.
If you are not consistent, regimented, scheduled and understand that ~this is, ~this is another job. Yep. There is a cost to it. I don't mind talking about what we spend. We spend a lot of money on this. We don't have sponsors, but if you're doing it to be famous. Yeah. to make money right out of the bat with selfish intention, you are wasting your time.
Time waster. Time waster. So~ let's, ~let's talk about this real quick and then we'll kind of wrap up the show here. [00:37:00] From a podcast standpoint, there's over 4 million podcasts between Spotify, YouTube, and Apple. How many do you think are not in the graveyard? I mean, they don't record anymore, they're active, but I mean, how many do you think are still actively recording and then, or let me make it easier, how many do you think are in the graveyard?
How many do you think are dead? Out of 4 million? Dead, and they don't, there's not a single episode past, the last one they recorded was six months ago. I'd say three and a half million, maybe more. That's down to 3. 1 million. So again,~ it's,~ it's consistency. It's like anything, it's showing up. If you want to get in good shape, you can't go to the gym one time.
~Um, it's, ~it's nuts. And so here's another one. We'll hit you with some podcast trivia. What number episode do most podcasts fail at? I think it's three or four. I used to know this. It's seven, seven. They don't make it past seven episodes. They don't make it past seven episodes because it's work, man. It's a project.
So do you know how many famous people have failed at podcast? I'm talking like, Oh yeah, I'm talking sports superstars. You guys, I'm talking names, you know, by name, political people, [00:38:00] you know, by name and Hollywood movie stars, you know, by name, like they just, it didn't work out for them. It's a lot. We're going to give a shout out to someone, Fred Taylor, legend, Gator legend, Jaguar legend.
So he had a show, he had a show for a while ~now, ~now he does a very successful show called The Pivot. Okay. His first show didn't work out for a variety of reasons, but he pivoted, their show skyrocketed. That's just a great example. Famous people, not famous people, you could be the best conversationalist in the world, but if you're not scheduling these conversations, distributing the information and patient, it doesn't matter.
The patient's the big thing. Yep. So ~like. ~I'll say this, that goes with any industry, but especially this one, ~like ~if you lay down episodes expecting feedback. Then you're gonna mess up and what's funny is when you start podcasts, you'll get text messages from people. Hey, listen that it was awesome And you're like, hey, dude, can you put that in the show notes?
~Like can you ~can you put that in the commentary of people text me like and then and now I've gotten to the point or It's just habitual someone's like dude. I had someone reach out the other day and he was like, dude I loved the segment you did at the end about burying hatchets moving on in [00:39:00] life ~and ~and just in Mending fences.
He's like dude. I there's the right time right place. I was like, thank you so much I was like, can you do me a favor? Can you go to that episode and drop whatever platform you listen to it on, just drop that in there for me. I know we're about to wrap it up. I want to say a couple things on that. I'm terrible at that and I'm going to tell you our rules of the show, right?
So we're excited. We made a hundred episodes. I send every guest, if they reach out, like I want to be on the show or with someone we like, like I need to send you our rules of the show. Okay. Smart. Rule number one, no assholes. And again,~ I'm,~ I'm like, excuse me, I curse often, that's the firefighter in me. ~And I don't mean like, I'm, I'm kind of an a hole, right?~
~But, I wouldn't say that. ~If you're, if you have demands like, well I need these, we want to give you whatever food or whatever you want. If you're demanding, you gotta ask me these ten, like if it's just over demanding, so rule number one is no assholes. Rule number two, see rule number one. I will send you these rules.
Rule number three is this show must be one of three things, educational, entertaining, or fun. Preferably fun. Yeah, no sales rule number four. They can sell their product all day. Talk about what you're doing rule Number four is the show's not about me. It's about you So every guest I have on i'm [00:40:00] like you should be talking at least 75 percent of the time And then the last rule which is the most important when the fun stops the show stops There you go If I don't enjoy this anymore and it becomes just miserable and I almost hit that point last year Until I got a couple of the texts that you mentioned ~when this ~when this when the show is no longer fun I'm shutting it down doing people send you a text or charlie.
I send you all the comments now You're on youtube checking them out when you get someone that's like hey This hit at the right time. I really appreciate it or even the education stuff when people like dude You used you helped me get my PMI off Thank you so much And when you get something like that and you know I should remember Charlie too and people like dude, I needed to hear that in the moment man They like that's the driving for you know, you're connecting right and even it's just one person, you know, you're connecting Yeah, ~it's ~it's worth it and I'll leave with this where we get into the healthy not healthy dead good dead bad dead commentary~ Um, ~a little spinoff.
That one's a hit right now. That one's a hit. It's a banger, right? So, I'll say this. The way I view these shows, and if you've listened to the show for a couple of years, you know what I'm about to say. And if you're a new listener, you know, I'm glad you get a chance to hear this. [00:41:00] The way I view these shows, these are time capsules for my children when I'm no longer around.
Because I can write the world's longest journal. They may read it, right? And there may be so sizable stuff in there, but they may never get to it. But on a show that's going to live forever on YouTube, or audio, they'll always have access to Dead. Always. And some of the fundamental things that we share in this show,~ they're,~ they're fundamental for a reason.
It's like they're in concrete because they're not going to change. And I want them to have access to that. And ~I want, ~I want their children, my grandchildren that. Oh, I got chills right now. And so, like, these are time capsules that you're creating with sound advice, great guests, educational stuff, that you really get a chance to put.
Dead on a shelf and when they want to pull it down, they got it at their own leisure. Oh, I love that. Look, when Charlie and I, we put this together, Charlie and I have put this together because, you know, he says that about his daughter and she'll always get a chance, but I think, look at what my dad produced, you know, look at what he did and look how he helped people and all this stuff that's on there.
And so. ~That's like, that's, ~that's one of our driving forces with this. This is why we do it. So when you talk about your big why, there's our big why, right? It's [00:42:00] not to be, it's not to get sponsored and make hundreds of thousands of dollars. By the way, y'all feel free to sponsor this show now. It's pretty awesome.
I'm just saying, but ~you know,~ that's one of our, that's our big why's. We're creating time capsules and timeless pieces that all of our friends and family for generations to come. We're going to have access to, do you know who my number one listener is? Has never missed an episode. It's my mom. That's awesome.
Katie Ross. Every week she calls me. I love it. That's awesome. I shout out at almost every episode. Love you mom. Yeah. Yeah. That's awesome. That's, that is awesome. Very cool. All right, let's go ahead. Let's kick it off. Last part of this. If you remember last time Eric was on the show, he really caught me off guard with this, but healthy, not healthy.
Good dad, bad dad. You answer the questions, you kick it off and then I'll go. Okay. So we, on, on what the health we do a segment called healthier, not healthy.~ Um, ~healthy or not healthy, the interest rate in the United States right now. I'm going to say not healthy because it's preventing homeowners that want to buy right now are battling prices that are high, insurance prices that are high, everything we just talked about in the household income.
We need to get those down temporarily to create household affordability. And there's a lot of locked up. Equity in homes that could be used to [00:43:00] generate and stimulate the economy and if that rate comes down it'll be there healthy or not healthy Getting clubhouse tickets to the players for the entire tournament.
It is absolutely fun, but not healthy Recoveries recoveries rough. I love a goat swag. I got my goats. Well, there ~it is. It's it's it's~ It's a thing Good dad or bad dad. Okay. I met your son. I'm saying good dad. I don't even have to ask I mean I had the fortune to meet your son the other day. You're a hell of a dad, man Thank you a good dad or bad dad.
So good dad or bad dad Watching YouTube with your daughter versus making YouTube videos. Oh Watching good good versus making YouTube videos. Yes. I mean, well, he's talking about making videos with his daughter I think that's a great idea. But so the good dad bad dad we started doing yeah, you got any I got you So, okay good dad bad dad coaching your son in sports ~coaching your son in sports Uh, starting your son, like,~ okay, let me back up.
~This is, ~this is always a challenge. Like good dad, bad dad, being the head coach. Good dad. Okay. However, good dad, bad dad, battling other parents of other kids on that team because maybe your son's starting over their son. I would [00:44:00] say, again, that's, I love these cause it's loaded. Good dad. If my son does not deserve to be playing shortstop and I start him at shortstop, bad dad, correct, right?
~If I, ~if I debate with another parent as the coach, like, Hey, stay out of the dugout during the game. Good. All right. But there's a good dad, bad dad. But if I'm starting my kid when he shouldn't be starting, that's a bad dad. Daddy ball, bad dad. Yes. Daddy ball. Agreed. So, ~uh, ~piece of advice, coached my son for years and one of the co coaches that I had is still at the ballpark and I thought it was great.
He said,~ I have a, uh,~ I have a 24 hour rule. He said, if you want to ~talk to me, ~talk to me about the game, about your son, 24 hours after the game is played. Give it 24 hours, and I will always talk to you about your son the minute you mention another child. We're done. Mmm, good dad. Good dad. And good coach.
Good coach. He's a pro. He played pro. He gets it, right? But again, and see, hearing that I was like, what a great rule of thumb. Yeah. What a great rule of thumb to carry with you in any way, any Sport your child's involved in healthy or not healthy, ~uh ~hurting yourself playing kickball with kids Yeah, ~it is ~it is not [00:45:00] healthy because I get hurting yourself.
I mean ~playing ~playing with your kids. That's a good dad Yeah, but ~injuring yourself ~injuring yourself is not healthy. So far you gotta draw the line brutal. Yeah, not good there So, all right, here we go. You ready healthy not healthy physically or as a president We're always going to talk as a president again.
I people godly ~my ~my wife and I buttheads about i'm gonna say I'm gonna say healthy. Okay, I think Personally, again, I take political affiliations out of it, which is impossible, but I think in my industry specifically, I'm going to say healthy, and I'm going to get a lot of slack for that. I know. Healthy, not healthy doge.
I'm also going to say healthy. Fair enough. All right. Healthy, not healthy. Current Federal Reserve Chairman, Jerome Powell. I'm gonna say healthy. Okay. Healthy, not healthy. The current unemployment rate in the United States. That's not healthy. Yeah. Well. Not healthy. Okay. Is real, not real. Is it accurate or not accurate?
Yeah, correct. That might be the next segment. Real or not real. [00:46:00] Cause I mean, yeah. So, ~uh, ~real or not real. And that's always laugh about that. ~Uh, ~because we debate that on the show all the time. It's like, yeah, you know, what's accurate, what's real. Yeah. What's accurate. What's real. So it's tough. That's a good segment.
Real or not real. Yeah, absolutely. There you go. Random stats to see random stats. Yeah. That's good. See what you're talking about over here. So. Yeah. Eric, always great to have you on the show, man. Thanks for your time today. ~Uh, ~really appreciate your insight on the insurance world as a whole, how to prepare for it, how to navigate it, things you can do to make it better.
Two 12 benefits guys. Check out that link at the end of our YouTube channel. I heard like three takeaways today. Number one was don't pay the bill first. Number two is the book. At least this book right here. Never pay the first bill. The second thing I heard was the offerings that your company will provide no matter how many employees you have, up to 500.
The third thing I heard was if you're an independent contractor, real estate agent specific, there's going to be a link in here that Eric has a company out in North Carolina that specifically helps the needs and wants that you may have right now in there. Take advantage of this. You know I love bringing guests on the show that bring value.
Today was exceptional value. Eric. Thanks for being on the show. We really appreciate it [00:47:00] guys We like what you're hearing. Please share this podcast five star review it leave us a quote or you know Some sort of comment on Apple or Spotify hit us up on our YouTube channel. You heard me plug that I love the comments I heard love the feedbacks.
We try to respond to all the comments on there Sometimes you guys overwhelm us, but we try to get to all of them. We definitely value it till the next episode We'll see you at what's your one more?
I got one more shot. I'm gonna make it one more chance. I'm gonna take it a minute. When I said it, now it's time for me to do it. I got one life to live. So I put them all into it. Yeah.
