Get Out of Debt !!! With Mattis Gilbert CEO of RSK Financial Budgeting

everything that's happening is because we're all not confident with our own financial structure. That is why we need to go into that range to feel that status. How about if my status is that I have a paid off house? [Music] None of your business, Oshi. None of your business, Michael. It's the None of Your Business podcast hosted by Michael and Oshi. Welcome back everybody to another fantastic episode of the None of Your Business podcast. I'm your host Michael Greenfield joined with my co-host Ushi Schwarz. And today we have a fantastic guest. But before I divulge to you who it is, thank you and kudos to the Prime Source production team for always being there behind the scenes and making this possible. Don't forget to like, subscribe, comment, get involved. Rev. Matis Gilbert, founder of RSK, previously known as Rafila's Kitchen. Let's get into that. Who are you? What's What was Rafila's Kitchen? What is RSK? So much to learn from you. I'm so excited that you're here. Thank you. Thank you everybody. Shulam Oshi old friends. Rebushi I prefer. Please. Let's do Reboshi. I didn't start an organization RSK, but I've done other things with them. Did you learn anything from him in your life? I have. What is that? We have a lot of history. Matis and I I go way back. I would really like to start off in knowing what did you learn from us. I know the non-Matis Gilbert RSK version that other people might not be exposed to. They're seeing all the greatness shine through now and all the amazing things that he's doing and that his organization does. And by the way, it's very very profound what you're doing is so impactful. I know that it was very, you know, quiet in the beginning. It wasn't it wasn't so gigantic as it is today, but and I would love to hear that entire story of how it all began. But Matis, what people may not know, happens to be a dynamic personality. He's just someone that you're around him for a few minutes and you can't help but just laugh and be in a good mood. This is like his MMO since he's been a kid. Since I know him for a long time, like if you're at a party, you want to invite Mus. You want to make sure he's there because he lifts everybody up. You know, he has that. He's always smiling. You're always happy, Matis. You're always in a good mood. I don't know what's up with that. It's a little bit Well, he's smiling, which is I'm not sure. You never know what's going on under that smile. You never know, huh? We, you know, I always try and we're always trying, but um you never know and we try to do our best. But Oshi, one thing I do learn from Oshi, he is a man that has never given up. Not that he, oh, he's coming from the dumps and and like a whole story like that. I'm not trying to imply that, but as as as much as I know him from kids, he's just driving force. Operator, operator, operator, just driving, driving, driving from the camp to the if he had a canteen, that canteen was on fire. And he 10xed it and 10xed it again. And if it was from the can I don't know if he had a canteen, when am I going to sit in that chair? When am I going to reverse, please? I have so much to say. I remember Barak, my cousin, telling me about us and in class and they got icicles, popsicles and this and for the Rebi and they and they somehow got from Rabbi Mulmanit. Yeah. So you see how I remember that like by the way when fifth grade when a Rebi gives something good to kids that it made me remember 30 year 25 years later is 30 years later I remember his name. I don't remember another Reb name. him. I remember and he gave like a colorful something and you got it and he this and they and they hustled like this and hustled like that and but they or she was hustling it every day. I'm hustling. What do you learn from that though? finish the uh the grind. Never give up and and and especially when you start from young and that's why financial coaching I'm not it's not a sales pitch but it's so important for people to start from when they're young and not that 40 everybody should come into financial coaching but not but it's so much easier when somebody starts off in the parnosa gig which that's our and to start from younger because it's you're compounding your own self All right. The, you know, the compound interest from from S&P, but you can do you're compounding yourself and every year that you're you're doing you're growing and you're growing and Oshi has been has been grinding and hustling it and and running with it and and Mameish bustling it. And I appreciate it's very high praise coming from you, Mattis. No, it really is. I appreciate the kind words, but ultimately what you're doing today is just nothing short of incredible. Nothing short of incredible. The little bit that I know, I want to tell you what I know about RSK and then I'd love to hear the story of how this came to fruition like how did you even think of this and then what steps did you take to start executing this but the little bit that I know about RSK is that it hits a certain audience right it targets a certain market that hasn't gotten attention for a very very long time if ever and it was always understood that yeah those kinds of people are fine they're in a good place they don't need any assistance and they were the forgotten child, so to speak. And you stepped up and you said, "Wait a second. Let's take a step back over here." Everybody's very focused on the very needy people, right? People that are really struggling. They're out of a job or they have a job, but they can't make ends meet. And we need to help them. We need to support them. And there's a lot of organizations out there. It's one of the beautiful things about our nation, about the Jewish people, is that we're always helping everybody else out. We always have each other in mind. And there's no person that's ever left behind. There's an organization for everything. No matter what it is that you need, your needs will be met. Okay? Then you have the people on the opposite spectrum that are wellto-do and they're doing very, very well. They obviously don't need extra help. Matter of fact, they're in a position to help other people. They have maybe other problems and there are other organizations for that as well. Everybody needs something. Nobody could do it alone by themselves. But then there was something in the middle like a let's call it a sweet spot of people where they weren't on the right or the left. They're they have a pretty decent job. They're they're making enough money that they can survive. They can live maybe even have a little bit extra. But there's so many variables for those people because of you could say the type of lifestyle that we have that people they tend to overreach. They tend to go a little bit above their means sometimes. And they get into a situation where they really do need help, but they're embarrassed to ask because I'm someone that has a reputation that I have it together. I know what I'm doing. And they don't necessarily know where to go and they they're too embarrassed to ask for help. And in today's world that we live in, it's actually very difficult with all the inflation and with with the type of lifestyle that we have as a from family, all the extra expenses that it comes along with that it really isn't enough. you're actually not as well to do as you think you are. And those people have been on the sidelines really struggling for a very long time and no one's been looking out for them. No one's been looking out for them. Enter RSK, a concept of we actually want to address a major need that's going on in communities all around the world where we have people that are in these types of positions, but they actually do need to help. And we want to make this okay. We want to bring light to it that you have nothing to be embarrassed about, that you you have a great job and we're very happy, but we want you to do even better. We want to enhance what you have going on. We want to give you those tools. And it's my understanding that that's where RSK sort of steps in. Gives them those tools. They can create a better life for themselves. Oshi, Amen. Oshi's Oshi is is we're going on a tour and Oshi is gonna come around to every community in Claurro and pitch RSK. You nailed it. Yeah. I I want to give a donation to RSK right now. All right. How much about this? Let's love that. By the way, you know, it's so funny because as you're sitting here, I'm learning about it and I know a little bit of RSK. You and I have spoken many times in the past and um I think it's something important to notice as the world we look at the world and the people the income that everyone makes. middle class. When people look at the world of middle class, like okay, middle class considered like I think let's put a number at it. $75,000 a year to 150,000 a year. Let's say a non-Jewish I'm talking about. Oh yeah, right. But you know, so it's almost embarrassing to call ourselves middle class when you know that I'm making actually a decent amount. What would you consider a Jewish middle class? What what's that number? I'll never put a number to it. Every every family is different. Our number is definitely a lot more than the 75 to 150. The fact is the cost of living today and forget about the groceries, forget about the inflation, the pricing, the pricing of today's market and just go up and down from buying a house to mortgage to rent to tuition to to cars to summer camp, summer camp, groceries, activities, entertainment. Forget I'm not even talking about activities, entertainment. I'm talking about literally just needs. You have a guy who's making a solid income. He's making two 300 $400,000 a year. He's got a beautiful job in the very well for himself. He's doing great. He succeeded. And then he's coming home and his wife is is is going haywire because it doesn't add up. So, first of all, back to um Oshi, what what you said before, how RSK got into this um and and and how RSK evolved. We started out as Shila's Kitchen and that's how RSK that's what RSK stands for. And and proactive care was always my calling because I I can't reactive care irks me. I know that's where the money is. Everybody makes money on reactive. It's a good feeling. You have the it's a it's an emergency. It's lights and sirens. I don't, you know, to downplay, but but the the it's it's tangible. I saved somebody. I gave him a soup. I gave him a I gave him a I gave him a sandwich. I gave him a I gave him a car. Like it's like you paid his rent, which Utaka helped. Sodaka and Sedaka is very important. You know, since we did RSK, people always like go to financial coaching and then I'll help you. Hashem put lead in people's feet. Hashem created the world that we should have and we should have. And the reason why the is being that on the receiving end is to give you the the the the giverus. That's why he's there doing it. He's suffering for the for the givers. But the reactive always irked me and I I always wanted to steer away from the concept of a person needing and a person going further into the needing um situation and because let's elevate them. Let's do a bigger let's elevate the people and that's where proactive care comes in what RSK is all about. And even when we started out with with the Ripsha's kitchen giving out meals, I actually started with Masco it's I told Masco it's from my saddic and Masco it's I told her it's like what about during the week for people that just need to get by during the week and then that's when we started out the meal program and then one mother sent back out the meals with her with her two daughters. I'll never forget it. and the mother and I was like, "Okay." I took it back and the mother called me a half hour later and she with literally tears in her eyes and she was like, "I'm a healthy young mother. I don't need the the meals. I need the ingredients." So that's when we we that's when we went into I can make the food on my own. I need the ingredients. Don't give me readymade food. That's it. So then I went into the groceries and we were like, "All right." It was a, you know, I was always uh, you know, future thinking and it was just forward thinking and like let's go with the community. Let's go what the community needs. And that's when I went into the into the grocery line. Uh, and we and we put money on people's groceries accounts. And then and then from there I help people onto financial coaching. Actually, back then it was through Msila. Together we we had a whole thing going on. And then and these people went off the financial uh went off the grocery program and I was like, "Whoa, one second. This is where it's at." Like the guy's going off the grocery program. So, let's go further. And another person, another person until we eventually developed our own curriculum, our own program, and trained coaches and and Barashem. We're up to 30 coaches. And we have in Monroe just opened now today, by the way. in in Bar Park, Lakewood, Muny, and we do Zoom all over the world and uh we're going into California and and in Cleveland. It's uh it's it's busting away. Now the reason it's it's it's going so far and the impact is so deep is because it's literally changing a family from shambias to davening to learning. The man is a different man when he can be a giver. Yeah. When he could be someone who can provide and he can give and his wife and him, they're both on the same page and they're rocking it. They're racking away. And even when when when he's having a hard time, she understands the hard time that he's going through. She's not just oblivious of what's going on in the financial world that like, oh, that's that's his department. That's my department. We, you know, we we each have our own curse, right? We all have our own curse. We have parnosa women have childbearing and we rec and and and we roll with it. We don't we're allowed to help her and she's allowed to help us, right? It goes together. And when it's when it's a symphony, when we meet together somewhere in the middle, they feel better about it. And not just they feel better about it when you can explain to your wife what's going on in your life and they don't. So they're like, "I'm in. I'm game. I'm here with you. So, it's a different world the the financial ocean. So, that's where we went from the from the reactive care to the proactive care. We run on Salesforce. We run it like a business. My biggest blessing is when I come into SH and somebody, oh, RSK, it's a business. I love it because that means we're running it like a business. We have to get to the the office staff, they know within 24 hours to get back to the client. It's clients. We don't have cases. It's uh it's confidential is like the utmost importance. Like I don't have access. I never looked into anybody's files. Me personally never looked into anybody's files. It's their own personal thing with them with their coach and there's a supervisor. They have to write reports. Like it's a full full full system. Love it. And the amount that goes into it, people don't. And people don't appre not people don't people appreciate it. People don't realize what goes into it. It's not just a coach in his office or whatever. so much backend training, ongoing training, and keeping them informed and keeping them trained and keep them up to date. So, but to display that is hard. I always say like one day I'm going to make like a a little um kitchenet with a with a with a with a soup and a you can come in for for anybody that wants to sponsor like for for food because it's so much easier. people like you know and like and like like people that want to do like a khalika you know it's more gratifying when you help someone right now this moment he's desperate and you can extend your hand it feels better versus teaching someone in advance and you know you're not helping him this moment it's going to be for later but this is generational this is generational and it goes it goes into the kishkas people are able to make is better people are putting away for we have couples that that are putting away money from now when the kid their baby's born they put away 100 bucks a month 200 bucks a 300 bucks a month putting to an S&P and they're going to have 50 100 150 depends on what they put in. That's a changed father 20 years from now, 18 years from now. It's a it's a different it's a different Let's slow down a minute. You're saying a lot. You're really you're really giving us an overload here. But everything that you're saying needs to be dissected in itself because you're really opening up people's eyes to a whole new way of living. Right. This is a whole new model that unfortunately I don't think our community is as adept with as as they should be. And this is the old adage, Michael. Give a man a fish, he'll eat for a day. Teach a man to fish, he'll eat for a lifetime. Right? And that's the real way to truly help someone is to give them a livelihood, is to give them a means of sustenance that they can provide for their family, not just for their kids, but for their grandkids, and teach them a healthy lifestyle of what it means to be responsible fiscally, which is one of the more tougher things to do. Um, I struggle with this just like anybody else does. Um, and everybody struggles with this to a certain capacity. We have people making a million dollars a year and in debt and they still are in debt, right? A million dollars a year and you know stories like this. That's why not no stories. It's every day happening. We have people coming in making $500,000 a year and they're in debt. And that's why when you ask me what is middle class today, I don't like answering it because because the person making 750 and spending $850, he's suffering. He's literally suffering. And until he's not going to do financial coaching himself with his wife, he's never going to get out of it. And he's always going to be chasing his tail and he's always going to want what his neighbor has because he doesn't have his own ze. I always say it's a it's a it's a financial blueprint. It's the Schwarz financial blueprint. It's the it's the it's the the Greenfield uh family financial blueprint. Your house is different than Oshi's house. You didn't decide, oh, we're building a house. I want it exactly like Oshi's house. Your wife likes a big game room. Your wife likes a big kitchen. His wife likes a a big studio and a big uh uh pool house or whatever. Everybody has their By the way, check check. Everybody has their need. I'll take them all. Michael, you know what this is like? We have a friend, a mutual friend. Michael will know exactly who I'm talking about on the spot. If we each earn $1, okay, an hour, and we have eight hours, $8 at the end of the day. I made $8. Michael made $8. And our friend made $16. You know why he made $16? Because for every dollar that we spend, he gets $2 value out of it because he knows how to conserve the money. He knows how to use it wiser. He's going to buy his eggs in a grocery store. He's going to buy his cereal in a different store based on, you know, he's not going to drive himself absolutely insane, but he's going to do things that are within reason to make sure that he's getting his money's worth. And that's why we always say that he has double the amount of money we do. Even though we make the same amount, he's got double the the money. And I think that's the art that RSK is is bringing to the table is that they're teaching people no matter what you make. And you said it very wisely. What's middle class? It doesn't m doesn't matter what you make. It matters what you spend. It matters. That's what matters. Ma it's and it's not about caring. How how do you say stingy? It's not about being frugal. Don't be stingy. Hashem created the world. enjoy life and and you know people always like my wife's not going to want to come because I'm going to start cutting. Why why is wife getting nervous about cutting? Like why is every And by the way, when you talk about financial coaching, the woman's the issue. She's not the issue. Many women would many women crave a budget or let's not call it a budget, a spending plan. Spending plan is a lot more there's no restriction restraining a spending plan. Women appreciate having a framework, having a a car abise for a reason. We can be off for for if we if if everything was under control at home, we'll be out for a month, right? Or or just go out check out for 3 days. Women are more organized, grounded and it's a discipline. And that's why it's managed money goes further than unmanaged money. It's 80% behavior, 20% finance. I know I was last week in Detroit. stolen the Reb was in Detroit, the Titus yard site and I was in the so I was there for Shabas the first time there was there in a bunch of years and so the community they were telling me come in for financial coach um come in we got we want to we want to bring financial coaching to Detroit let's do it I was like one second didn't everybody was tell everybody's telling me that the house here is $200 $300,000 and like everything should be amazing yeah they have voucher programs for the schools over there I don't yeah in Cleveland That's what I heard. They have to Yeah. In Ohio. Not in Detroit. Yeah. Not in Detroit. Okay. Yeah. Yeah. Mashem should be everywhere. But but you would think that in Detroit they're better way. They're better off cuz it's not about the income. It's about the discipline. I remember was sitting once with uh Burko. It's Jubnik from Specialty RX. So, um I don't know your space. Shout out to them because at every trade show we go to practically everyone, they provide the kosher food and it's just one of the most amazing things. cuz you feel comfortable. You don't have to worry. There's mñanim. There's We were just at a show last week. Shout out to those and there was delicious gl coaster food throughout the whole event because they sponsor and everywhere we go. They're very big into that. Like sponsor. It's like it's your style. Like they give you what you need and they get every aspect of it. So one of the things he once told he he he told us like my employee came in. I gave him $50,000 raise because he's he's stressed out and he can't work properly. He's he's going crazy. So I gave him the $50,000 raise. He's like 6 months later he's back in the same place. Yep. So it's not about the income. It's all about managed money goes further than unmanaged money. And and and that's why teachers there's a study educators have the highest percent of millionaires per capita. You think educators they make what do they make the least amount of money and 90 120 even in the public school system. It's not just the right because they're disciplined people. Educators are disciplined. So I'm not saying we need to live in that life in in that lifestyle. And obviously 250 today, 350 today with a family of kids is very very very tough if you're not managing and if you're making it earlier on, you have a better probability of being being ahead of the ahead of the game further on. Like if you're not managing your money and comes 5 years later, 10 years later and you're making oh making 450. So but you haven't been you you didn't take advantage. because you didn't leverage those bunch of years that you didn't have the expenses or even if you did have the expenses, you didn't you weren't managing it properly. So, you didn't you didn't leverage your money and you didn't leverage the time. You're literally you're literally living mas I want to just, you know, for the record here. I think I need to say it and I'm sure a lot of people are thinking it as well. Everything you've said is undisputable. There's no question about it that you're much better off if you're managing your money wisely. If you're being more disciplined, if you have a spending budget, I think you called it spending plan. A spending plan. You didn't like the word budget, right? Yes. And your wife would be more on board with it if you actually let her in and you included her in the conversation instead of saying, "No, no, I handle the finances. You don't have to worry." And then she feels okay, I don't have to worry. So then I can spend, spend, spend. But the minute you actually reason with her and you explain to her what's, you know, the finances, you know, what we have money for, she is she does jump on board. But I agree with that. Here's what I what I would like to put out there. I think that a lot of this is self-inflicted. I think a lot of what's going on in our communities, why we really do need RSK and training coaches to teach people how to be financially responsible is because of the cultural lifestyle that we have somewhat all gotten accustomed to because of everything we see around us that have now become almost standard. It's become a very normal thing that I can't drive a Toyota Camry because if I drive a Toyota Camry, I'm somewhat in the lower echelanche of, you know, the lower class. Uh I got to drive something, you know, not mediocre. I got something, right? You know, uh my my my lawn has to look pristine all because my neighbor's lawn and I can go on and on on and on that in our sh in our communities what we see and every and everybody wants to at least keep up with what the next person is doing. he might be making a lot more money than you, you know, so it's not easy for you to keep up with that person, but you feel compelled to because a social status within our communities is very, very important because you're almost judged on that in a in a big way. You're judged on that. Let's face it, the guy in Shul who's doing very well and has a lot of money tends to typically be the one sitting up front getting the bigger alias and everybody puts a lot of stock and I have to make a lot of money because that's the way I get recognized. That's the way we get glorified in our community. money does I'm sorry I'm I don't think I'm saying I'm just saying it out loud. I think a lot of people agree that you know in our communities money does hold a very a lot of weight. It carries a lot of weight and therefore people don't have a choice. They feel like they have to go beg borrow and steal in order to keep up and that so perhaps perhaps another form of prevention versus treatment which which is what you're doing. You're calling it prevention. It is treatment because a lot of people are mired in their debts and they're stuck and they don't know what to It's all treatment, just preventive treatment. But shouldn't we also take a stance with it from the very top down and, you know, start maybe changing some of those mentalities that we've really grown accustomed to that we shouldn't we look at that and say, are we doing this right? Do we really need to have $75,000 weddings? Uh, do we really need to do, you know, $40,000 for Nila every single year? And things like that. Perhaps we start scrutinizing what we're doing as communities all over the place and asking ourselves, maybe there's a better way. Maybe there's a better mousetrap to all of this to fix this problem. The issue is Oshi, you're 100% on target again. And to drive it a little more home, the which is much easier to to target is because it's it's one one administration or one reba administration and you have 5,000 people in one shot. You have 10,000 people in one shot by wherever it's a sh of 100 people. It's a sh of another it's it's a bunch of pockets of people. The whole reason why this whole rat races is happening is because we're all not confident ourself with our own financial structure. That is why we need to go into that range to feel that status. How about if my status is that I have a paid off house? Did anybody look at that? Does anybody know what that rangeover what his what his debt on his house is? Does anybody is anybody aware that that that he's that he has zero in savings, he he doesn't have three to six months uh emergency fund? Nobody's aware of that. When he knows that and that's why when a husband and wife when they graduate the financial coaching, they're like, you know, the pressure that I used to think is like it's a must. I need it. And by the way, you'll be surprised it's a must. I got to do this. I got to do that. She's like, you know what? I don't have to do that because our family decided we're gonna do X Y or Z and we're going to do A, B or C. The stalts, the Greenfield stalts, the Schwarz stalts, the Gilbert stalts that I we decided this is what we're spending on in our family is only going to come from us. You don't have to do it through financial coaching if you want to do your own coaching with pleasure. But until we're not going to each and every one of us go through it and have our own budgets and own plans and our own structures, we're never going to come out of this race because we're always looking at the next one and the standard is what's pulling us through. Yeah. Stone screams a screams on top of his lungs. You ever do in stone? I have. I actually have. I went to stall the yeshiva for a couple of years. When I got there for the first time and I heard the dominating for the f Michael, it's a real thing. I've been there. Are you aware of this? This is wild. They like lunatics. They they they they shout like whoever could yell louder was dominating better. Like that's their mentality. And it's just the wildest thing. It was such a shock for me when I saw it the first time. I'm like, what is happening around here? Like what's going on? I had no idea. And apparently that's their thing. That's what they do. Why do they do that? What's their what's belting? They're they're breaking through. That's what it is. It's the c the it's it's like when somebody's the when a kid is crying to his father. So that in the and it just brings the whole gof mish fully engulfed in the in the ding. You know how they say the squeakiest wheel, right, gets the most attention, right? So that's the same idea. Same that concept. They they want their father to listen, but he's not embarrassed. I tell my kids the more louder you yell, uh, the less I listen. That's my that's my model, you know? And also, usually the loudest person is usually not the correct person, right? Whoever's screaming the loudest. So, I don't know about this whole theory that they have in a different in a different context with the loud guy that that's making a ruck their own. I'm not going to judge. But look, I mean, in a baseball stadium, the loudest guy who cheers on is the best, right? So, I'm saying it. Oh, he didn't have the questions when you went to the Yankee game and Michael has gone to lots of games. He's not aware that's not how it works. It's collectively all the people and they bring the house down because all the fans are into it in sure. It's not one person that's that's screaming so loud that the building is shaking. Everybody, the whole entire show. But what I'm saying is that everybody in that stadium, I'm a Yankee fan. I'm st to vote for my to go for Miami. I'm st with the mayor. Okay. Right. The stone on the he is st to scream and he couldn't care less what the what the guy right outside walking by is like these guys are nuts. He is proud right? He's in his element. He's comfortable and and this is because this is what I do. I learned on this and the vision has a turned around hat. They all have turned around. Their hats are turned around or for them it's straight. Right. What does that mean turned around? The meaning the band is usually on the left side. The bow is on the opposite side. It's on the opposite side as everybody else. Yeah. Cuz they want to be different. They want to stand out. They not they want that's their thing. They're not standing out. They're doing their thing. And what I'm saying is when we decide that we're doing our thing, this is where I'm spending money on because you spend 2,000 a week on groceries. Yeah. Right. The other guy, he saves money because every sukus he goes on vacation with his family. Right. That's his thing. and he spends a,000 on groceries, 500, 750, whatever. It's everybody deciding this is what I want to do. Some families, they are big into therapy. Some families, they're big into into teaching their kids, you know, music lessons and they all different skills, whatever they can. They're excited. I spend the money. Yeah. I I gave a speech in a big cahill here in in my one guy got up and he was like I come to I come and everybody's dressed Lily and Todd Blue Bell the whole like from top to bottom every kid's in a $3 400 outfit like it's like and he's like what should I tell my wife? How how can I tell her no? And you know, you would think right away how to talk to her about it and how to tell her and how to this and maybe you tak. And I said, you know what? You can't tell your wife no, you need to give it to her because you never discussed money with her. And the same way you covered your AX bill last month, you'll cover it this month. And in her mind, you're going to cover it next month. How you're going to do it, how you're going to swing it, it's none of her business. She's dressing the kids and she's doing a great job. and she feels she's ta showing up and you daddy coming with the kids you feel like a you feel like a men you're coming with your with your princesses your prince friends or whatever you're coming with right but if you if you sat down with your wife and you had a and not because we're going to we're not going to buy and but we're going to decide how much money we're going to spend for y spend y is going to cost us $10,000 for the whole pes season nor is going to cost us five grand or whatever whatever the season's going to cost us. That's what we decide. There's annual expenses, there's monthly expenses, there's needs, there's wants, there's savings, there's and there's so much that goes into that. How much what does needs mean for me? What does needs mean for us? Needs mean for me? I need a every every week, once a week. I'm I'm joking. But like, let's say that's a need for me. For for somebody else, he needs he he needs a cigar every night to chill. And and and you learn that. And and a woman, you never know what's a need for her. And you never know what's a want for her. And you have that conversation. And you have that conversation after the needs are met. And needs are usually not, oh, by me, I get my nails done every three times a week. That's a need. Obviously, we know food, shelter. There's there's a structure to what needs are. And then and and tuition on top of the list. Yeah. I'm hearing three different things from you so far as a recipe for coaching someone. I'm hearing three things. The first financial success. for financial success to really set someone up that they can have there's not a sales pitch for financial coaching even though I believe that every person should go to financial coaching. Yeah, like you said, I'm always I'm always listening. Yeah, there's no downside. There's there's only upside here, but number one, you got to have good communication with your spouse. I know a lot of people feel that and I'm myself included. I feel like finances is my job included. And I don't want my wife to have to be busy with it, worry about it, think about it, you know, it's my problem. And that necessarily isn't the right approach because if that's the case, then she's going to think everything is okay. I could do whatever I want. And sometimes, you know, I look twice and I'm like, whoa, you did this, you did that. But now that I'm thinking about it and I'm hearing you speak, I'm realizing, wow, why shouldn't she think that way? She's not, she has no insight into what's really going on. So having communication as a family, you're a unit. you guys are working together and if you want her to be a part of the solution, you got to include it in what the problem is as well. So, you got to communicate, right? That's the first thing. Communication is key. And it doesn't mean that she needs to know every single thing that's going on in your business as to pressure her. People have very hard time building up a business. So, yeah, you can bring her in onto what's going on in your life, right? She'll be more patient. She'll be more patient. She'll more understanding help. She'll How many women I'll do a babysitting for until we get together. or I'll I'll do a little business on the side or whatever. So, I would say number one uh very very essential is communication. Uh number two, what I heard from you is that you have to teach people to grow comfortable in their own skin and understand that this isn't a competition, right? This isn't about, you know, you got to ask yourself what makes you happy. What are some of those things in your life that you want that are important to you? And that's what you got to focus on. Like for example, if somebody has a paid off house and they're driving a Toyota Camry, they're probably in better shape than the guy than the guy who's struggling to pay his mortgage but is driving a Range Rover, he's driving a an Escalade, he's driving an expensive vehicle, you might be sleeping better at night than that person is, 100% sleeping better. You got to teach the people even if he could afford the the mortgage payments. Correct. Just the fact having a paid off house. Yeah. There's a psychological element to Yeah. It's a paid and your wife on top of everything. Wife means there's a security. A woman knowing that I'm in a paid home house that something happens next year or something happens in two years or in five years. It's a paid off home, right? There's a there's a there's a people don't like we need to remember this. the key word of RSK like I wanted to make a a like what's my like the mission like okay the mission is financial success success financial stability whatever but manesh come peace of mind peace of mind peace of mind that would be the tagline yeah peace of mind and peace of mind is some you know we the peace of mind doesn't come from the from the havajas every day and it doesn't come from the from the Nordstrom's every day have a java rock and roll Right. But we can choose when to buy and when not to buy and we could choose. Yeah. All right. The third thing I heard, the third thing I'm hearing is that it takes planning. It takes having realtime information about what it is you're spending your money on, where it's going, and where you really want to allocate that money towards. Which means that you really do have to create a spreadsheet. You got to put all that information on there. You got to get educated. You got to be, you know, intelligent as to what's really happening in your life because it's not going to happen on its own. And, you know, in the absence of organization is chaos. That's what's going to happen. So, you're it's really just something that's inevitable if you don't truly know what's going on and what's what's happening with your with your spending. You know, my solution always my whole life my whole life has always been just make more money. Just make more money. Like, okay, I'm I'm seeing I'm struggling now. Oh, things are getting tight. I I definitely can't give up what my lifestyle is. I'm not going to downgrade. You know, we've been to always growing up you got to upgrade, right? So, what's the solution? The solution is just just make more money. Well, it isn't always easy to just make more money. That's very difficult, especially if you're working for someone. If you're an employee, you don't get raises every 3 months, you know. So, it's not easy to just make money. You can't have a second job and a third job. So, what do you do? You know, and people get depressed about it. People and it starts affecting the rest of your life. It starts affecting your wife, your kids. The fact is, I don't know if this is I'm saying the fact is I don't know for sure if it's a fact. I'm very confident though that if you Google Stephan maybe you can look into this Stefan if you Google the number one reason for divorce is financial distress. It makes sense because therapists tell us I don't know what you did with this couple. They're by us for two years. You had six sessions and it's a different family. Every day of the week I get these calls every single day. I believe it because at the end of the day, if you don't if you can't make ends meet and you can't cover your bills, you start becoming internally a different person. You're having a lot of distress and it's inner turmoil to the point that you just can't function. You can't be that real beautiful self that you know you could. You can't be the best version of yourself if you're struggling. And what happens? The people around you, your inner circle immediately start feeling that stress with you. And then everybody gets affected by it. And the whole house comes down. No pun intended. Literally the whole house just comes down. And it's it's got to be a big big problem that's being that's rampant. I I imagine this is all over the place. And for a long time, a lot of these people didn't have who to turn to. They didn't have where to go and they were suffering alone because they didn't have they're not on programs. They don't have food stamps. They don't have Medicaid, right? They don't have a lot of these, you know, flexibilities that the poorer people have that at least their main things in in life. Like, god forbid a family, a middle- class family that they can't pay their insurance bill that month. They're not getting insurance. They don't have insurance and they also can't get help because they make too much money on the books. They make too much. They're getting their salaries too much. So, it it becomes just a spiraling and they're never going to own up to it. Everybody's got pride. We all got that pride and they're donating and they're still giving those donations. They got to keep They're the ones giving 100 bucks a month or whatever when they and when the calls they're going to give 180 a month, right? They're donating and these people are are because our lifestyle. We need to be so much better at money because a Jewish lifestyle like Dave Ramsey always says beans and barley. We can't go on beans and barley. We need to have what to feed our family. Yeah. We need to have for and I mean to feed our we need to have for shabas. We need to have for yam and we need to have fatas. And for tuition, and by the way, for the people on tuition, I just want to say on on tuition, we had this conversation in the past. Um, and I know tuition always comes up. People always tell me shabas is not included. Spend as much as I want. The same that says Shabas is you could spend as much as you want. The same spending money on your children's tuition, Hashem pays back. So for all the people paying tuition by me it's my first it's it's my first line item your tuition for your children and you have extra when you're paying tuition Hashem is directly the and doing the you know directly involved with the and because of all these major expenses that that we have a family of kids two $3,000 a month on tuition two three four five $6,000 a month for somebody who has who was up to seminary or or kids and tutors and this tutor and that tutor and all the extra help that we need because of like we spoke about we're going to become a more add friendly community but all this stuff going on there's so much expenses that are happening we need to be smarter and not smarter 20 years in smarter day one you're in ko understand how much money you're making and understand how much money from father helping to children receiving it shouldn't be I just use my credit card it should see how you're giving it every month, how much you're giving it, and where you're depositing it to. They should know the date, time, exact amount, and let them make their own. Let them make choices. Yeah. Exactly. Now that we know that this problem um is around for a long time, but now it's, you know, I think in today's uh world, maybe in the last 20, 30 years, we're starting to become more a lot of awareness. We're starting to be a lot more honest with ourselves and dealing with problems and not just letting it fester and not letting it just, you know, escalate and get worse and worse. So, now that we know this problem exists in our communities at large, give me exactly what it is that RSK is doing to tackle this. So, I know you have the financial coaching, which is you want to show people how to get out of their situation, right? It's not necessarily that you're not making enough money. You are making enough money, but there are some other problems. Let me show you. Let me teach you. And you have professionals that are counseling people that no charge. You don't charge for this. Anybody who needs charge, you do charge for this. We're a Republican organization. Listen, I'm a big capitalist. I believe that the only way the world actually, you know, revolves and goes around is when when people can turn a profit and that's when you get the best of the best. Creak is when, you know, there's something at stake. But you guys, I'm assuming you you help people. We charge afford this type of program. Yes, we charge money. And I'm going to say it again. to charge money for the for the program. We're a nonfor-profit. Our bottom line is impact. It's not Will you defer their payments because they're obviously in debt? If they're coming to you, they can't pay you at the moment. Or do they need to start paying you? We give a payment plan, meaning they payment plan, meaning we let them break it into three payments. What if somebody absolutely needs this but doesn't have money to give you help them? No such thing. We give a scholarship. We do have scholarships. So for the right client, we do have a scholarship. We don't advertise it. We just did. We We don't want that to be the norm. We want people paying, right? And we want people Everybody can afford it. If you need a hundred bucks, it's 150 a session, right? It's it's $900 for six sessions. It's 150 a session. It's It's a $300 value, but we figured 150 is a comfortable. It's not too much. It's not too little. we can pay the coaches because the coaches get paid even people who could afford it and uh you know whatever numerous coaches that I can give shout outs to but they can afford it and they're doing it and but they get paid because they they have a responsibility to the client they need to be there on time they're giving up a lot of their precious time for this and they they look at it like a client and they have an they to the anybody that I pushed through the door to give it for free didn't come back after the first session Right. Any I happen to respect that a lot. I get that a lot in giving people jobs. The people that just go to Microsoft Word and they can help someone can help them get a resume versus the people that pay $200 for someone professional to help them build their resume and they go through the process of meeting and they take it more seriously. So I respect that process. I'm just curious then what are your expenses? our expenses, the overhead to to run such a program, to run 30 coaches, all different locations, offices, office staff for the management of the whole system. The management of the system, it's really it's a $300 uh session. Uh are you comfortable sharing your budget? What's what? Sure. We have a $2 half million budget. Wow. Yeah. And and but that's not just for the coaches. That includes No, just for the coaches. Just for the coaches for the coaching program. Now there's income. There is income. But so be bare bones is 1.5. Like bare bones and it's that's with your office, that's with the coaches, the people, that's the resources, tools, everything is 1.5. I do not I make sure that the backend support that every person that every session the person's having, the backend that's going into this is incredible professional. I I I could literally flip this into a for-profit company today. Mhm. would never do that because I'm passion driven and I'm mission driven. However, however you want to slice it, but that I'm I'm here for the cause and there's behind it and there's, you know, whatever. But but the bottom line is the the backend support that goes in to every coach being able to utilize every hour that he can. We have down the block 777, right? Our office building by 7:47. So by 777 Chester Ridge, you have Yankee Hammer and Mushy Wexler. They have a office uh the whole thing over there on the top floor. And they gave us an office. And my Hler, he's he's a coach over there. I think in in in the therapy world, you're supposed to see about 27 to 30 coaches. 20 25 sessions a week, right? 25 families a week is like is like really max. This guy sees 32 clients a week. That's how jam-packed he is. Wow. He does this full time. Full time. 32 clients. And he needs supervision. He needs to de uh he needress. He needs to decompress too. And he's going and he goes for ongoing education and he takes his hikes. He makes sure to, you know, be be in the mindset. Yeah, but our coaches and and the coaches in Lakewood like the coaches in Brooklyn, these guys are are full on board full-time and they are and and the the amount that goes into that, the software, the education. Who hired all these people? You you were in in the beginning. How did it how did it grow to become so big? It sounds like you're running a pretty big organization now. So, did you found this entirely on your own? I founded this and the meals to meaning is that still a thing? Do you still do the meals also anymore? So this is strictly just financial coaching is financial success. That's what we mean. Didn't you last year run a program where you were giving people before yam we did it now in the grocery store? I'm still I'm still a little drained from Pesak. Uh you know it takes a big toll on us. Um, yes, I couldn't give it up, but I took it out of RSK. It's PSI. It's a new organization. It's called PSI, PESUS Initiative. Mhm. Um, together with um to give people a little bit ancillary money right before the bigger holidays. Yes. But the reason why I took it out of RSK because RSK is not a sodaka. I mean, it's the highest form of sodaka like the Ra says, the highest form of sodaka is helping a person to stand on his own two feet, right? But I took it out. PSI is a separate organization. The reason for it is that I want Ushi Schwarz coming to financial coaching. Mhm. And every person in your sh every friend and family that you know should be coming to financial. I want you to know that I am very fortunate that I have a very very close friend Michael too who is the ultimate financial coach. the best. He can he can give a class to the financial coaches. Who's that? He's that good. I'm not going to share his name on on on the podcast. He should become a coach. We could talk afterwards. We're going to definitely recommend him. We're definitely going to recommend him. Yeah. But he he helps you. He's involved with me and my finances forever. Ever since I'm uh single before I even got married. Okay. And uh he's very savvy. Uh he he's he's really good with money. Um so we're You still need to bring your wife. I 100 my wife is on a board wife knows she's involved as well but I could tell you that I relate to this concept of getting financial coaching because I don't care who you are how much money you have you can always do better you can always do better and you know what if I have you know $50 million in the bank you know I hear does does it really matter at that point no but nobody has that it matter it matters to the point of financial health people can use money as a drug okay and that's a lot of what I didn't touch into today and also the finan the income enhancement is another part because a person doesn't when when when your employee will go to financial coaching he's going to he what can I do more I have I need to make another $50,000 this year I need to make another 30 grand not I had a baby I need I need I need to make more money no show him how to spend less what what more value no what more value can I bring to the table that you can pay me more right that's the conversation and the income enhancement and also the money as a drug. Howard Schultz when he makes a coffee, he owns all the coffee beans in the world, most of it. When he makes a coffee in the morning, he doesn't fill up a cup and he puts coffee beans till here and water and a little water and sugar and milk. Does that But he has all the coffee in the world. Why not? He could. First of all, he should do that. He could. He's an idiot if he does. He'll be He's like that billionaire you hear about that rides his bike uh to the office, but they say that's why they're billionaires. No, no, no. That's not why they're billionaires. That's absolutely ridiculous. It's a sickness. It's a disease when somebody But he can be healthier being frugal. Okay. That is somebody just being Maybe he's doing that just for health. Ah, please. By the way, that touches upon the fourth thing that I want to add to what you were saying earlier, those three points. The fourth thing I would say, and you touched upon it a little bit, and it's just I'm thinking about it more and more, and I'm loving this, by the way. I'm just like, you know, I'm taking I'm taking it all in. Uh, I'm appreciating this conversation more than than you can ever imagine, especially for the story that I'm about to tell you. The fourth thing is owning it. Meaning like this is how he runs his coffee. No one's going to tell him how to do it otherwise. And this is what makes him happy. And he's managing his lifestyle the way he needs to manage it. So the idea of owning something. Don't excuse yourself to others. Exactly. Even though he can. Exactly. He he can. The owner of Golden Flow could chug down a bottle milk every day, but he's going to turn white. Right. Right. What was your story? So, um, a bunch of years ago, I would say it was probably six, seven years ago, I was making a bar mitzvah and the people listening to this are going to start laughing already because they know what's going Oh, I know this story. It's a good one and it's right in line with our conversation. So, I uh went to the caterer and I was like, "Look, you know, the last bar mitzvah I made, it was my second bar mitzvah. Last bar mitzvah I made cost me $25,000 and it was in the shul and I did it on chabas." And by the way, another thing that I've owned already at that point is I'm not making a Bitzvah during the week. I'm just making one on Chabas, saving what? $40,000 probably, right? Would you agree? Even more. I don't know where $40,000 gets into making a bar mitzvah 40 grand. Like, oh my gosh. So, you're agreeing that it made sense for me to do something like that, right? For Shabas? Yeah, for sure. So, okay. So, I broke the mold. I did I honestly I did I did it in my sh for a reason. I wanted to break the mold. Break it. And we and by the way we should challenge everybody to be breaking the mold for after here we should be we should be ask yourself how what can I do to be a part of breaking the mold break the mold is enough is enough I don't know if everyone should enough is enough is enough so I don't know if everyone should do this but um but this is the way I broke the mold even further so my first bar mitzvah shabas only I'm not interested in doing during the week 25 grand and by the way I took my kid to Israel and I said to my kid instead of spending 40 or plus thousands. I'll spend three 4,000. Let's go to Israel and do something more meaningful. Much more meaningful lasts a lifetime. Part of breaking the mold. That would be my message to anyone making a bar mitzvah. Shabas bar mitzvah only. Use some money to take your kid and do something meaningful. So that was the thing that I did then. But my second kid bar mitzvah came and I'm like, you know what happened the first time? I spent a lot of money. $25,000 for a shabas. I would say 70% of the people that came, I didn't even really know who they were. And I was like, you know, I'm paying for everyone in the shul that I'm making and it's okay. You know, back then I was in a much larger shel. So, and that was my shabas shul. You know, the type, you know, you have you're during the week in chabas. So, here's what I'm going to do. I'm going to take less than that and I'm going to go and spend the weekend in a hotel. And the only thing I'm going to do different is I'm going to tell all my guests that they have to pay for their hotel stay. And before I did it, I called a few friends of mine. I said, "What do you think about this idea?" Their answer to me was, "It's so crazy, but you're the only one that can make it work." And the fact is I made it work and we had the most beautiful shabas. I made it for $23 and a half thousand dollars which was less than my previous bar mitzvah. Everyone had a great time and yes they paid for their hotel room. Big deal. I paid for the food. They paid for their hotel room. Fantastic. Ew. I just vomited in my mouth. I think it's gross. I owned it. That was the fourth. I'm happy you did own it. I know that. I know. And I recommend it. But I I'm sorry. If you're going to be making a bar mitzvah at at a hotel, the expectation is that you're also paying for the guest rooms and you can't afford to pay for the guest rooms. You just nailed it. Then you don't make a bar mitzvah in a hotel. Then you make it in your shaw. But the bottom you're going to break the mold at the next bar mitzvah. 10 grand locktock and barrel. Okay. Yes, that's for sure possible. That's for sure. I mean that's including for a shop. We're not talking about a hotel. What hotel? Who? Who's the a guy making 250? A guy making 350 can't make a shop as a hotel. Correct. Correct. It's not sh even a guy making half a million dollars and a family of kids. He cannot afford a Shabasan hotel. He What's the issue with everything included $10,000 for bar mitzvah? I mean, what do we Do you know the average amount of income? the people that are in your network that you're coaching, clients of yours, do you know the average number that between all of them what that number is that people are making that income that are using your services? You better have the answer to this. Probably I mean a young couple's coming in at 75 at 100 but with no kids even. So you're blended. You're average. It's a hund. It's It's uh The sweet spot is probably 150 to 350 or even or even 150 to 500. That's a little bit of a wide range. But you're saying that's why you couldn't answer before the middle class. That's what it's very It's very hard. It's very hard to answer. But yes, you have percentage of your clients is more than 300. 150 to 350 is our is our sweet spot. 150 to 350. But more and more are coming in high like higher like 500 and up. Very relevant to this question. A lot of people are coming in like that. Very relevant to this question is when is the sweet spot as far as a timing is concerned when someone should come and get financial coaching. Of course you could say yeah when you're a young couple that's fine but when you know really what you want like I I'm thinking in my head after you have two kids and you live in a home that would be a time where you raise the flag and the community should be a weird go get financial coaching. Many many people are coming in right at like two or three kids like two or three kids. Yeah. And they just closed. They ju they just bought their house and they're and it's it's a himushe because you know what's going on. Um but that's the sweet spot. Meaning the 20 to 30 year olds. 20 to 30 year olds. What's the average uh time a family will be using your service? Six months. 3 to 6 months. And after six months, they typically graduate in better position than they were before. People coming in h doubling their income. People coming in I just never knew how much I need to be making. I always thought I was good. Um what do you mean doubling income? They suddenly are making more money or they spending less money. I'm not talking. When you say making money, you meant we don't focus on on on expenses. It comes it comes like second nature. Not to become stingy, but just to be to to be responsible with with your money. So I we don't even look at like people think we're like the money police. We don't look at what your spending is. We look at what's your income and what's your spending and what are you left left off with. That's financial stability that you have that you have. That's an equation. What do you do to actually execute for them? Because now they have to learn not to spend $1,000 at the grocery, spend $900, right? You got to do something in order to make up that difference. What are you doing to actually train them that way? How do you not police them a little bit? You got to build We're gonna guide them. We're going to be guiding them because because because to this family it's $900 in the grocery. To this family, you know, a guy came in. He's making $25,000 a month. You know what? I'll give you more tangible. This guy has two kids. He's making $18,000 and he's not making it. Does that make any sense? 18,000 a month. 18,000 a month. just him, two kids. Does his wife work? Uh, their their combined income combined income. Their their income was 18,000. 18,000. So, they're making a little over 200,000 a year. It's beautiful. With two kids, they own a house. I'm talking about a three-year-old and a one-year-old. So, they're in an apartment. They still live in an apartment. Yeah. Interesting. He's He I can't breathe. Wow. What's going on? In the same sentence, the guy has a $1,500 a month car payment. Wow. And I'm like thinking to myself, both cars combined or one car? One car. One car, 1500. See this? I'm like, what in the No, no, but that's a lot. Come on. Oh, with insurance. That's very glaring. Yeah, but that Whoa, you're overspending. That's glaring. But to so many people in their areas where they don't realize a lot of people meaning meaning you're going to talk about the the person with seven obviously there's a younger kid and they're having a good time and they're still they're still being young but but but an older you know somebody that's 35 with seven kids it's not in the they have the Honda Odyssey and whatever the and and but there the because they don't have a management a finger on the pulse of where their money is going. Sometimes it's not just the that big uh pesak expense or the big vacation. It's not an isolated incident. Not an isolated incident. It's a it's a it's a habit. It's a trend, a pattern. Exactly. It's exactly what it is. But the income enhancement is a big piece of this. Yeah. And the coming together, spending differently. You know, I was talking to a grocery owner. He said, you know, there's a difference between somebody comes shopping in the beginning of the week for the week or he comes in shopping on Thursday. Their spending habits. Yeah. Yeah. Why? What's the difference? You spend more when you shop at the end of the week. Really? Yeah. Why is that? I don't know. It's like coming to a restaurant hungry. It's the same idea. You're ready for shabas. You just want to buy. You want to buy. You want to buy when you're thinking about it because Sunday you're doing more an advanced shopping. You're that guy came in with he prepared with a shopping list. Thursday, you know, you usually and then for shopping, that thing, that thing, that thing. I I love this all. I think that, you know, breaking the mold is important. You know, I mentioned the story that I said about the hotel in I think our first or second episode. I got so much slack for it. I love that you're here supporting this type of idea of breaking the mold and, you know, shop once a month and bingo and get your, you know, groceries. They're just smarter spending habits and learning how to manage your spend properly so that you can have a better life. Um, you know, I'm actually taking off soon to one of your favorite places in the world. Can you guess where I'm going? There you go. Wow, look at that. So, my flight leaves in three hours, so I have to leave in a few minutes. But before I go, I am not going. I'm actually going to be in my office working just so you know. But he's flying. Somebody has to pray to Rav Shila to get you know so you know I just have to ask you I think you came from there or some something from your background is with Rshila from Kirstier and and and you know there's a question that we started you lived there didn't you live there for a while? I lived in Barus Barus. We need to hear about your background. I I must hear about this. And there's one question that we started asking our guests and I really like it. And that is give us a story that a a embarrassing story, a a crazy story that helped mold you or that helped shape who you are today and helped guide you or something you learned from that story. Something that you could think of from your background, your history as a kid or as even an adult. Just give us a few minutes of your background by doing that. So, so first on how I got to car. So I was um at 18 I in you know I was going to be going either to Israel to the mayor or whatever. I went to Pins Belarus. Stone has a has an organization there called Yadisel and they run a massive operation there. Kov uh orphanage, boy school, girl school, whatever. Yad is awesome place under the reba and I went there for pes and just for the seder and there was a bunch of bakham there and we were mama living living life like like actually you know like I I felt like like you know the difference between between being there and like when you learn when you learn yiddish kai and you're actually like a soldier for yushkai like you're actually practicing it like Like we we had to put on muzzas in people's house. We have to cash our kitchens. We have to help people make bar mitzas bris. I did a tahara at 18 like like what what because somebody was nif there and you just got to we got to do what we got to do. So we did it and it was just a beautiful life. So I lived there and we helped out with the community and then our off time like what do we do in our off time? I went to Kadikum and one day Jakob Fish was there also and he took me to Ker and Libish Rottenberg Rottenberg went for Shabas. This was like 18 19 years. Yeah, something like Yeah. Um and we went to we went to Kier for Shabas. This was I think it was like one of the first Shabbasim with Ratenburg and and uh I was very very inspired by the whole just the whole Raya scene mission and and and all the stories and the whole it was a very very inspiring and very uplifting Shabas and I came back to Pinsk and we're like okay we're making a soup kitchen right here and like we like anybody that would pass through cuz Baron Gold was buried in Pinsk and Balentto's son is buried in Pinsk and Mir and you know so people come through Pinsk and we would help people over there and then and then when I went back to and then I went there to yes for for a little bit after being there for like three and a half years and then I um when I came back to Muny and I started working and business and whatever I started the meal program um and and we gave out prepared meals through My father, he had the catering business and and has and and we did like a Is he still doing this? Your father still doing it. He still does all the schools. You know that his father, Mr. What's his first name? Aaron Gilbert. Aaron Gilbert. Aaron Gilbert was the notorious I he was one of the trailblazers in catering for schools. He was doing schools for the last 30 probably 40 years. 40 years. And he's still doing it till today. Backing away. Unbelievable. Most schools in Muny use his father for the catering. Yeah. Is this commercial kitchen still by where Bishraa was? By Bishraa. It was by Bisra and then it's by Bishraa. It's let him know that there was just recently a new funding passed for private schools for food. Oh yeah, I'm sure. Get up. Okay. He does senior meal programs. He does all the Phil has always been in the food giving business, food taking, everything, giving the food. And then we and then um so I did the meals through there and that's how I got involved with Shila. And look uh what molded me and what you know put me into this place and what embarrassing thing that I could learn from. I'll be honest being a you know being in the ADD room I feel at home. I'm not saying I'm ADD but being in the in in a in this space um our whole life is like that. And can I tell you this story? Can I tell you that story? Can I tell you when I was um when you know when I was in business and just showed up on the biggest distributor in a certain country and just showed up on him and he was like um do you have an appointment? I was like, I thought I did and like we just had in got in there and we made a great deal and or is it when I when I went to for a job interview by um actually I give him a shout out KO. Um I did a job interview by him. They were acquiring a new company and they wanted me to run the the the just drive with the with the wholesales uh over there. And he was like and he was telling me like what needs to be done to get the product in the shelf and get it at a certain I saying you got to do this and do that and knock the like it's a it's a and I was like you gotta you know work the system work the program not not in a bad way just you got to be got to be a player got you got to play it and and he was like you know you need to be in the nonfor-profit space because you are so missiondriven you go go into the into missiondriven society and that is something That really pushed me. And look at that. He a he forecasted the future this guy. I love it. I love it. And I And I And there's a lot of stories. We could be here for hours and we should chill for should go somewhere somewhere. Well, he's planning on leaving. Yeah. Why aren't you getting this into the school system right now? Like every single school system in the entire country or the entire world starting out like like you said, you got to start in the beginning. Elementary. It's too prematurely. It's too early. It's too early. People ask me that every day. You had a budget and then continue it to go. It's very hard. You're not listening as a teenager had a budget. Yeah. When you need It's like giving classes uh you know and and Yeah. You know about being a a holy Jew and you know when people ask me what's when's a time when a person gets married cuz like people are buying Shraas gifts, financial coaching packages. Oh, what a great gift. It's a great gift. What a great gift. Great gift. It's beautiful. It's really That's a good one. And so people always ask me like when should they come in? I was like the second he uses up all his wife's spending um savings. Yeah. She worked so hard for two years this when you drained her accountification. Stephan to address your thing a child a kid a teenager they can't understand money until they have to work for it until they have a job then only but when you make money the concept by the way what's that it's very hard to teach them it's doable at a at a at a surface base maybe at a basic level at a basic level. I agree with you and and it's being worked on for sure high school I mean they should be at least you know or making them aware of this getting them uh aware there are known all this even let's say before getting married a little bit before getting married and like really thinking about the fact that okay one day I'm going to like you know like tuition was like a thing you heard right but it wasn't like one day you're going to have to pay tuition you're going to have three to four to five kids whatever it is and you're going to be there could be a come a time when you're going to have to shell out 60 70 80 $100,000 a year on tuition like those thoughts don't creep into most people's minds. All they're thinking about right now is and then one day you get hit like a freight train. I agree with the concept of awareness by the way. Bringing awareness on an earlier stage which by the way it just echoes what we're saying which is we are big fans of you. We're big fans of your mission and we applaud everything that you've done till now. And I think it's a beautiful thing to end with for people to hear. Buy a gift for someone. Get them the gift of their financial future. Excellent. Beautiful idea. couple that's starting out or a baby gift. You know what I mean? Sure. Yeah. Sure. As a baby. Yeah. You had a baby. Now secure your financial right now on Bat for RSK by the way, which Ushi is supposed to be taking a team for the last three years. And Oshi, what in the world? Seriously, I wasn't going to bring it up, but like now that you sold me on RSK, is this a baseball thing? The Bad for RSK tournament. They do a very big tournament, a baseball tournament in the summer. Game of When is it this? June 22nd. Yeah. Beautiful. So, you make a team and you join and Yes. And it's our one event that we do a fundraiser. Actually, I'll play left field. Definitely. Yeah. All right. This is a wrap, everybody. Before I let you go, I need to ask you also the final question we always ask all our guests. Who would First of all, did you have a good time? I loved it. Okay. Do you have any questions for us? Um, I the break the fold and to get as many people as you can to sign up for financial coaching. You would ask us to promote that. I would ask you to please promote that. Whether it's on here, whether it's in SH, whe everywhere, I accept. And if you can get one person to sign up for financial coaching, Michael will get you one person. You know what? We'll make you more than one. Michael will get you one person. So, who would you recommend to sit in your seat as the next guest on a podcast like this? It could be an inspirational person, somebody who's impactful, somebody who can educate us on something, a particular topic. you know that many people that you sifting through them right now could be one of many people you mentioned on this podcast. Laser Shiner, for example, that you mentioned was helping you with the the other program. I think Laser Shiner is is an incredible Everybody knows this. Yes. Yes. Yes. We tried to get him on the podcast. He he he was a hard no. Who else is a hard no? Um Joel Epstein. Joel Epste. Who's Joel Epste? Fabywood. Fabbywood. Yeah. Oh, he's got a big company. Yelp Epstein. By the way, he made a they're doing tonight. They're making a whole cultural change and in RCC tonight like they're setting up for 10,000 people to make for $50,000 from from Shatanus till Shabash meaning including the wig including including both sides both sides combined. 50 no one one side. Oh so 100 grand total. Yeah that's fair. including the night including everything there. That's a lot that's that's not taken 50 grand is nothing or 50. I'm talking about everything. But you were clarifying. We're talking about the wig, the hat, the tie, the right kind of wedding 40 is for the night of the wedding. No, talking about everything. 50 grand from Shakan. Yeah. Till Shabas that means including the the including the shab the night of the wedding. What's he doing then? And they're they're they're making a so they're making a full social change. Oh, so Joel Epstein, he made a in Monroe. The most simple out there literally the mo like he had a DJ statement. This is how he lives. He's breaking the mold also. He's breaking the mold. Excellent. If he can do that and and and by the way, we should challenge and even people that are running all all like like the people that are promoting asanum that are involved in all these and that's why by the way takanas I'm not into takanas. Why? Because takanas is not fixing the issue. Yes, the social change. This one could be different and M will be different. But the social change is uh um it comes from internal. It comes from from from all of us doing the fin the the financial coaching ourselves. And by the way, people should sign up. Should I mention where they should sign up? Go for it. rsk.org. Isaac Leader helped us get this this website. RSK.org. Love it. We're going to take uh your advice and try to get him on the podcast. Jo and if I need to help out with that. and he lives by this every single day and he helps his people. His mission is to help his employees achieve and achieve great next. We are waiting for you. Don't forget to like, subscribe, comment. Thank you to the Prime Source production team and this has been amazing. Thank you, Rev. Gilberts. We really appreciate you coming on the program. That's a wrap. All right. This was beautiful. Wow. Thank you. Amazing.