Struggling with your finances? You're not alone. Here's your path to recovery.

hello and welcome back to let's talk tacos wow it's been a while but i'm very happy to be with you again today uh this podcast was filmed out of the studio we went it went to goddess a little bit but that was worth it it was the urea de la torre jalia and we discussed a very amazing subject which is which is called panusa we all need panusa we all work hard to bring in panusa to our homes to feed our kids and families and to do other good things with our panusa but panus is not easy so today we really had an amazing conversation with rabshire rubenstein a very famous askin that is actually doing things and working very hard to help clarissa with vanussa i think you're going to be fascinated stay tuned watch the whole episode and as always you can send me comments on let's talk talk snow.com also please please subscribe on youtube and other platforms so we can have a quicker and easier time to bring the conversations to you it's your podcast it's your home it's nothing to do with me i'm just a mailman as i always tell you so let's go for it [Music] hello good afternoon and welcome back to let's talk talkless we're so glad to have you here today today we have a guest that really should be working in a hat store our guest is carrying so many hats he's wearing so many hats that i really don't know where to begin with you but i hope we'll manage to narrow down the fields of activities and to talk about some very important subject inspiring subjects and your favorite activities of helping leadership people in the world so without further ado it's my pleasure and honor to have you to be here today with my good friend richie rubenstein hello good afternoon robert and what a pleasure to be on your podcast let's talk tacles i'm a big fan myself i've been watching your broadcast and i'm honored to be part of your lineup yeah it's my pleasure i very carefully choose my lineup so you made the cut on the first minion amazing so um let's share with the audience a little bit who's up she almost in your background you're up you're you're upgrade you're growing up your history you pass quickly so we can get a little warmed up and get into the the act of things sure so thank you once again for the opportunity to be on your podcast um i think it's fantastic when there's kosher media and so many great alternatives to perhaps what's out there you know from jewish music to podcast especially now during the three weeks of course so to give you a brief background about myself i'm another average joe but if it means much for the context of this interview so i was born in the bronx my father was a rov who was also born in the bronx and my father was a rov and a cipher and he chose to live in the bronx because that worked for his parnosa he moved for a very short period of time in the early 1970s to borrow park on 60th street and 15th avenue which was completely italian there were no jews then i was going to say did he keep the house and after six months he couldn't do proper paranosa because as a cipher there were too many stuff from in boro park whereas in the bronx there was still you know not that many so he moved back to the bronx and he continued to become a ravenous shul the customer reba of borough park moved to borough park in the 70s and my father took over that shoal and he he wrote over 40 sperm he was the arts girl before art school so he had a firm background and he you know in in very high vocabulary english he did pamphlets and books on castra's chapa gaerus ayrev and he made 40 different books um which were you know distributed and sold at that time in the 60s and 70s so i'm dealing with a binocularism here so i always say you know i'm about filler so i'm on this side of the amide and my father was on the other side of the island but i grew up in the bronx and then i i went to yeshiva in manhattan and eventually we moved to borough park and i ended up going to baba at a fantastic experience there and uh it was it was great and uh now i live in marine park brooklyn so that's uh that's the shortcut of uh my background but my father passed away when i was six years old so that um that that prompted me i guess to become more of a um you know more you know to have that extra independence maybe interesting i i don't know i guess it manifests itself in different ways but you're also much more caring or thoughtful of other people because of you know where you came from and i think that what that's what prompted me after many years you know like everyone else you go to yeshiva you get married you work but perhaps that's what prompted me to get involved in you know non-profit and helping other people so i feel very honored that i'm able to be part of that puzzle but perhaps that's where it started it's nice to hear because unfortunately many people when they have a father or mother passing away it breaks them it makes them weak and depend depending on others and bakersfield we see the opposite that it gave you the coincidence and the strength i i myself am a victim of the same background more or less and hashem i hope and thank hashem for not being cyclopped and being able to have bok hashem a decent life so i find the story very touching in heart warming and i like to hear that so i wanna discuss today i know that you are heading you created the jcc of marine park and i think you were a model for copy other people took after your donut so successful as you but they are they copy this idea and i know that you don't cover just marine park you have a very broad umbrella and you cover a lot of yiddish communities if it's borough park williamsburg i know even monroe and new square and other places where you do a lot of asconus and you help people i'd like to focus today maybe on the topic that you do so much in of helping people paranasa and we all know that automation was already cursed to not have an easy time with panusa and it's a very challenging assignment and responsibility especially for men but also for women in today's day and age to carry the all and bring food to the table for the kids and the family and marry them off eventually and hopefully turn them into two independent panuso makers so i want to talk about this object and a little bit if you can tell me why is this subject such a focal point in your among other things in your daily activities so that's a very good question so i think what happened is when i came to marine park uh in 2006 or so i noticed that our community didn't have proper representation you know there are different neighborhoods like williamsburg and borough park or as you mentioned monroe and svara they have an infrastructure and they have representation but i felt like marine park was a growing community at the time there must have been 200 or 300 families it was growing extremely rapidly where to the point that every year 200 families were coming in and there were 1200 or a thousand to 1200 young families so that's when i came up with the idea with a friend or two to start something called the jcc of marine park the name the jcc was taken just because it's a national name that everyone can identify with some communities refer to it as a jewish community council while others refer to it as a jewish community center either one works right and the idea was really to be the eyes and ears and voice representing the community needs from that it started becoming a local social service organization so if people needed help with jobs or medicaid and food stamps or utilities or emergencies you know and then of course you know interacting with elected officials bringing in money for the community and you know many other local related items but i had an epiphany in 2008 and then in 2013 2008 we had the crash and people were really hurting with parnasso so i put together an event called um surviving the recession and i brought ben brafman to come speak on telling people even if parnassa is not perfect don't do the wrong thing i brought rabbi pesach crone to speak about giving people hezek and then finally i brought another fellow from baltimore who specialized in financial literacy so he created a book and we gave it out to give people kind of like a guide on different resources and then right before we did the event i started something called project mazon or project machal which the idea was like tom hashabas but instead of getting packages you get a food credit of 50 or 100 in the grocery so this is what we started in 2008 but i continued to be a social service organization until 2013 when i said you know what as a business person the focus cannot be about tom khashabis only and helping people and emergencies and medicating food stamps how do we help people become self-sufficient because that's really what they want and that's what the rambam teaches us and they even have a saying you know teach a man to fish instead of giving him the fish so i started focusing for the past seven seven or eight years or even more on initiatives to help people become self-sufficient and fast forward to today um i co-founded an organization within the jcc called jcon for jewish conferences and we run several large conferences a year to help people with specific industries and entrepreneurs so i've been involved with tribe works which is for entrepreneurs and then jcon has jcon real estate and jcon e-commerce and architectural design and architects and healthcare and eldercare and several industries that are specific and trying to help people grow in that industry in addition to that i have about two to three thousand students a year that take courses in one of our locations or online and we teach them anything from quickbooks excel word microsoft office photography graphics social media optimization marketing so the idea really is is that the courses are not here to replace let's say college but the idea is if you want to have a side hustle or you want to be worth more money in your job or if you're doing a job or you have a business and you want to make some extra money or for women that maybe want only to work part-time or from home so i try to give that extra value and berkshire we've been very much late with the choruses as well as with the big and small events wow these numbers are staggering exactly what i said you were many hats right that's right i think we affect the lives of about eleven thousand people parnosa wise and i didn't even mention all the different projects we do including mentoring but the idea is really how do we focus on helping individuals with paranosa getting a job or even explain to them how to look for the right job and then how to help people to start a business or maintain a business or scale their business because a lot of people can have someone give them a few dollars and they'll start a business or they can have a few dollars saved up and start a business but there's a huge difference between starting business running a business and scaling a business i want to ask in general the jewish community i guess it depends in the neighborhoods but are they less professional as you just said as a group in running a business and running efficient business and finding the niche in the market or we know some of them are very successful maybe a smaller percent and in different communities i'm just trying to figure out if the jewish community needs more business teaching support than common communities in america so i think that every community has its advantages um berkshire monarch community because we're insular to a certain extent it's a little bit easier to gather business or to ask people if you want to reach out um there's more resources we have more non-profits than you know ever before and jewish giving is very big because it has been baked into us to give tzedakah to give of our time to give back you know we we find a higher purpose but um but i think that like every other person you have to be educated i'm not saying that you have to necessarily go to college to be educated but at the end of the day if you needed surgery and you had option a ain't a versus fashion see somebody that understands that just left medical school yesterday or someone who did surgery for 15 years would you go to the person who went to medical school so the answer is you know you could have a good head and the festive study you appreciate it you have a business mind but if you don't have the expertise i always tell people you can learn from your mistakes or from my mistakes so you're gonna get you're gonna get there and sometimes part of the harvard education of the real world is to make mistakes and that's part of life but you can make that life you know easier or you can learn from your own mistakes so um i think we have an advantage and it's not necessarily even the smartest people who are most successful because there are many other demographics who are smarter than us like on paper when it comes to math or other things so i don't think it's a matter of being smart necessarily take a look at this who are the smartest people you have you know professors who are teaching in college they're not necessarily the smartest business people doctors are brilliant at doing surgery but they may not be the smartest business people so i don't think that smart necessarily equates with success i think that you know you everyone because the edition people claim they have the edition cop they are the the brilliant minds of of the world and you see under all the nobel peace prizes stuff like this there's a big percentage of the jewish people but like you said it doesn't have those always translate to dollars and cents and knowing how to actually run a business and make it a successful continuation i realize many businesses take off well and and start decently well with a decent idea and decent resources but some of them don't end up staying in business and i think this is also an important component of what people have to learn what like you said what not to do that's very very true and remember that when you start a business and you're a one-man operation and you know the common the common theme i always hear is oh if i don't get it done it won't get it done i have to do it myself or it won't get done or people don't understand i know how i run my business you know so that's the small time guy he doesn't really have a company because if he leaves there is no company so he has a good job it's called a company and he provides a service and product but that type of small company where you're very involved and then the big company that's doing 25 million in sales with 100 employees and managers that's a different business so let's say you go into the concrete business and you get one customer two customers you're making some paranosa and you're doing everything yourself and you're paying your bills and you have three jobs and four jobs so it's enough for you to make a living but if you scale and now you're doing 25 million in business and you have so many people that's running a totally different type of business because you need the right people the right managers the right cash flow and you have to know how to scale correctly otherwise you think you're making money because 25 million dollars happen to walk in the door but if you're not doing it correctly or if you're not managing it properly and now you're spending so much money on infrastructure to keep the the the monster alive you could wake up to find out that you lost two million dollars so growing incorrectly is a common misconception that a lot of people from the outside may view it but at the same token there you know if they don't do it correctly then they can make that huge mistake i know this is a famous story of old man who had a business for many years and he started to get all the talk he brought in his kids to the business and one of them was an accountant famous story i was an accountant one was a an analyst and this and that and they told him after two is dead you're losing money he said do me a favor i managed well for 40 years i did money i married you up i sent you to college don't be smarter than me but i think it's a huge besides the nonprofit i think it's a huge hassle to give people the independence and the coexist and the capability to to have the tools and and really figure out how to stay afloat and slowly growing in a healthy way it's almost more important than giving them money to go into business because money can work or cannot work but if you if you help them manage and navigate through it gives them a much bigger potential in the future right if you think about it in multiples you know i've reached out to several just to some very major major nonprofit organization that gives money to nonprofit organizations and if i tell them can you please give me ten thousand dollars to do a street fair or to give people money for shabbos they're gonna think about it but if i tell them give me ten thousand dollars because with this ten thousand dollars i can help 10 people get a job and they're going to make a million dollars that's where they give their money it's not a jewish organization but i i see the i see the beauty in it because i used to think women at these people that i'm asking money for need food for shabbos they can they're going to go crazy otherwise but now as i get older and hopefully a little bit smarter i realize that what the rambam said previously that you know instead of giving a person a piece of fish give them the rod to fish it really helps that much more and i hope you know that we're having a little impact because like you mentioned it's not only for marine park we do all these conferences and courses for anyone that we can help yes so excuse me so here at let's talk less we we like to be an influence on this on society and the age society and i'd like to hear like where people can can either go on a website or somewhere where if you can tell us a little bit to give people the tools or the tips where to start gaining from the amazing services you offer to the community sure so i i would say there's a few things with regards to resources so our website which is jcccmp as in marinepark.org you can as soon as you go into the website it's going to ask you to put in your email address as soon as you do that anytime that we do give a course you're going to get a notification and then you can just decide um if you want to sign up for the courses all our courses are free sometimes we do charge you money just to sign up to hold the space to make sure that you're actually going to show up but if you do come to the course whether it be in person or online you will get your fee reimbursed because we're not trying to take your money but rather to make sure you have skin in the game as they say there's another uh there's another great resource that i work with very closely called the jewish entrepreneur and they provide mentors for people that are in business you're a small business you want to grow you don't know what you're doing right and wrong and baksha may have discussed of mentoring over 30 companies a year and i see this day in and day out you know i'm doing 250 000 in sales why am i not making money i'm doing 2 million in sales why am i losing 200 000 or very common i'm doing a million dollars in sales and i'm making 50 000 how do i go to the next level because my infrastructure cost is so high so i'm not profitable but if i hit 10 million dollars my infrastructure will remain the same so how do i get to scale to the next level because i don't know how to hire managers and i don't trust people because if i don't do it it doesn't get done you know i always tell them warren buffett doesn't pick up his own telephones at the office he's not the copy machine girl and he's not the secretary so there is a way you know bill gates delegate doesn't yeah you have to learn how to delegate so the jewish entrepreneur you can google it or if you reach out to the jcc we can gladly give you that information so you should know that even though there are so many nonprofits there are so many resources out there whether it our courses or the jcon conferences but again go to our website jccmp.org sign up and we'll supply you with all the new courses that keep on coming out and all the conferences that we do if you want mentoring you could reach out to the jewish entrepreneur and um yeah so i want it amazing i'm sure you're gonna get bombarded with emails and phone calls watch out okay eleven thousand people here so far let's see if we can get another let's see a very popular podcast and a lot of people are following and have many people need help out there obviously there's no more joy that i would have if people called me from other communities and said i want to do this in my community and we have i have been involved in doing these and similar services for other communities to try to be you know helpful in some small way i think i want to ask you a question that i often hear from people people ask the very basic question which has has a deep answer but it's hard to sell it should i go work for someone else because i don't have the confidence of running my own business or should i open a company it's very exciting to have a company you know you pay to give a cooperation you become a president of the mice and not everyone is is properly designed let's call it like this to run a company and many people do very well as employees for other firms so what is the general mahalak that you tell you you would guide people of how to decide versus one versus the other so that's a great question and i get that very often so i would say two things number one it really depends on your personality some people want that nine to five they don't mind getting yelled at about by a boss and they just want their paycheck and to go home but to a certain extent they know that their growth is limited at the same token it's a blessing in disguise too because even if you're the type of guy who wants to do your own thing remember you're you need the harvard education of the real world so let's say for argument's sake you want to purchase multi-family buildings it cost money and you know okay i have to raise money i get a mortgage and i fix up some apartments i rent it out and flip it but again either you're learning now from your own mistakes and all it takes is one mistake and it's a million dollars or worse or you get a bad reputation so i'm a huge fan that if you want to it's just like medical school you want to become a heart surgeon you go to medical school you learn and then you they make you go to the hospital to do it with doctors you get that experience and then you're the king same thing over here in business let's say you like i remember i have a friend who is very successful today he made up in his mind that he wants to be in the stock market he had no connections he went to yeshiva didn't even have you know the proper degree or licensing series seven but he decided he wants to work on wall street he went to the new york stock exchange and stood outside the gate and there was you know it's gated outside and he stood there for one day for two days for three days and people were coming and as they were coming out he saw a guy with you know a double chin and a nice suit and he said maybe i can work for you and the first person looked at him like he's crazy the next one said why and the third one said but what do you know and then finally one guy said you know what you want to get lunch and run the errands and in those days they also had like tickets you would want to purchase stocks you would take the ticket and run to to give in the order so he he said fine and he did it and they paid him i don't know maybe four or five hundred dollars a week and he did it and then you know he became close to the people there and from lunch he ended up you know getting upgraded to make the coffee and then he did the tickets and then they he he asked people show me tell me teach me and fast forward he became a broker dealer he got a seat on the new york stock exchange he you know eventually moved on to bigger and better things and hedge funds and whatnot but if you want to do something instead of learning from your own mistakes and making it up as you go any income on that wants to do panasonic sometimes it's too late because i have five kids already and i have to earn a hundred thousand dollars a year but remember if you start a business you're also at that disadvantage but i always tell people choose what it is that you want to do for a living if you love real estate or mortgages stock market and get a job for a year two years in a company but not a company try to find the best company don't focus on what they're paying you oh he offered me 50 and he offered me 70 and he offered me 90. don't focus on who's paying you out focus on who do you think you're going to learn the best from regardless of whether they pay you because you're treating it now as going to college you're learning getting paid you're getting paid to learn and regardless of what they pay you now fast forward let's say you decided to do the mortgage business or raise equity so now that you worked for a amazing high-end wall street firm raising equity with their contacts and their phone book and their mahalak of how to raise money what do you think you're going to look like in two years having that rigorous professional office teach you and training you for two years and not giving you like just letting you do what you want do you think you're going to become a professional and the answer is yes now two years later so everyone's scenario is a little bit different but again i didn't do it this way and i learned from my own mistakes but i advise people to do that now fast forward some people need a job and don't want to be dealing with office and ownership and other issues that comes along you know it always looks nice from the var so you have to know yourself but definitely try to get that experience before you start out on your own so but i think one of the challenges that people have you brilliantly display the difference of the two approaches but i think people are confused they have the temptation of owning a business and thinking that they're going to do it make it quickly on the other hand some people are not suited to be running a company they don't have the focus they don't have the the mindset and the broad vision what it takes by the way you guys see i'm holding an orange pen because usually we have the orange mics for let's talk tactless but today we wanted because of she's creativity we decided a little bit to upgrade our marketing um points so today we're sitting in orange chair holding on japan let's talk tacos is booming over here fact is a fact young people have one child two children and they they face a reality they don't have money to pay the bills the groceries the rent and like you said of course if if they are into five six children the story becomes much harder but the question is how do how do we do you have do you offer this particular um let's say call it mindset clarification to clarify and explain the person what are you suited better for to be running a business and be able to keep it and will help you maintain it and grow it or to give the person the good it may look like bad news but the good news we have a much easier ride for you we're going to help you get the job under you understand like there's a certain point that people sit i i met a guy two weeks ago upstate new york and he's sitting at this this dilemma we sat in the park bench and he tells me i'm going crazy i don't know if i'm created to run a company or i just should give it up give up my dream and just work for someone and do something that i love and stay there continue there what can you does u.s service offer also this one of the mentors perhaps this particular clarification process so i think that's a very good question and you're asking a bunch of different questions in one so i think to take it apart i would say as follows first of all as we said before some people are suited for a job others for business even if you're suited for business it's still worth having the expertise the fact that you have five kids and you need to make a hundred thousand dollars doesn't mean that you qualify to make a hundred thousand for each child by the way so when a person says you know it's like when 19 year old boys come over to me and say i'm looking for a job i want to be a manager i'm like manager you don't even know how to spell the word manager what does that mean you want to be a manager of what so i think that peop that you have to you have to look at a job like i say a little bit long term like what's my forecast how do i grow parnosa wise as an individual over the next five years because whatever i do today starting a business or getting a job i'm not going to make a million dollars so i think that if you decide what it is that you like to do because if you're going to do something you don't like to do you're not going to be successful so you can either choose something that you're successful but when you choose something that you want to do for a living you have to also remember because i see a lot of people doing it and i don't want to name specific industries but if here let me i don't know how to do this without insulting some industries no you can't destroy industry as long as not let's say you love doing copying keys or being a shoemaker you have to think to yourself how many people do you know made ten million dollars fixing shoes and if the answer is not many then the odds of you being that two percent don't do it if i tell you um construction real estate lawyer doctor um and you know hundreds of industries you could say you know what i know people that did well so choose an industry that there's a good amount of people or a good percentage that were successful not if you achieve to be the top 10 percent and also you have to have passion you must have passion or you're not going to be successful right i forgot who said the quote that if you love what you do then you'll never work a day in your life so um so i i think when he when when someone comes out of kyle and they want to start working again don't say i need to make a hundred thousand because i have five kids that's why i'm choosing and and be angry at the world because you don't know what you're doing so you have to say you know what again back to our previous conversation i'm going to college now i'm going to learn something for six months or a year it's gonna be a little tough so just like i was in color for seven years i will be in cuddle for seven years and seven months i will learn from the best and then if i'm gonna be passionate and i'll be an added value maybe i can grow in that company maybe i can learn and then take that to open my own thing so that's the mahalak i always encourage people now sometimes people are just the go-getter and they got it and they go it and and sometimes if you're the go-getter i would say fine do sales because when you go to a company who has an infrastructure and a product ready and you sell for them the beauty is all you have to do is sell sell sell sell decide how much you're making because you're powerful and let's say they say we're giving you five percent you just keep on selling let them do the girl the background the distribution the the the you know the the uh the the manufacturing the reporting or whatever you just sell if you're really that then do it and learn it that way so you feel like you carry your destiny sales is the best business but the hardest business because you have to be willing to be rejected now i also went to yeshiva i had zero education how did i get my first education i wanted to go into the marketing industry but i knew nothing about marketing so i heard that there's something called trade shows we all heard about trade shows so i always thought you go to a trade show and you see all the different booths and people selling product what i didn't know and i came to find out when i registered is that you can go to classes a day or two or three before or even that day so whenever they do these big shows at the convention centers there's always classes that day the day before and even the day before that to know how to navigate in the convention marketing no but it was the purpose of those the the the classes that are given are marketing related so it's not about the product about the product you go to the vendor he shows you the product you collect business cards and collect business cards but when you go to these different classes it teaches you more about the industry overall and then very specific so marketing they'll teach you about marketing outreach advertising graphics different ways to enhance your business to network so i said one minute this is like a free college so i look online i see it says these 20 classes are free these 20 classes because the people are well known who are giving the classes are 99 a class now i'm only 23 years old i'm barely having enough money to fly to chicago and pay 99 to go to the show i'm a yeshiva boy i'm not spending a thousand dollars on classes for three days so i chose i clicked on all the free classes and i went to the classes and then when the same thing happened six months later i went to those free classes it was an atlantic city it was called the sagny show it was made for advertising marketing and promotional products i signed up for 35 and went for two days to all their courses as well and i learned a lot of things you know the 80 20 rule where you don't you know whether to rely on you know on the big customers the small customers um they even taught me that you know you should try to speak especially if you're from new york you don't speak like you're from new york or from it sounds terrible and sometimes you you know you can have a depending where you come from in america you could sound one way or the other they said try to train yourself to have that mid you know the mid-america accent like you're from detroit or or you know somewhere in the middle and i i picked it up if you can tell from my oh yes from my accent um like you're from canada my wife is from baltimore so i picked it up also i don't say baltimore but i i picked up that midwestern accent but i gained a lot of information because i had no college so i used that as my college education and without tuition without wishing so i i think the key is learn learn learn you know give it a little time you don't have to be a manager right away you don't have to be an owner you don't have to say it's a good feeling again if you want to do it do sales if you want to open your own business maybe a partner is the right way maybe you know maybe doing it on your own for a little while or going to someone else learning the trade and then coming back life bachem is you know you have 80 years and 90 years and 100 years so if you're 23 and 24 or even if you're 32 out of cuddle give it that extra few months and do it right so you don't learn from your own mistakes it almost became like a very high-end financial training conversation um but as i told you i'd like to bring out a certain point that really in the emotional in a in an individual way can enhance people's life i'm thinking a lot about the current um situation in america in the world the financial situation and it looks like everyone is pointing and starting to think of recession and slow down and i'm starting to really feel bad for people who barely make it and barely survive and i don't know if people like to connect to reality but it looks like it's coming and i think we should somehow discuss a little bit what physic or what what undertaking some people advise for people to start controlling another expenses and slow down and all the extras and this and that i'm thinking perhaps this can be another um little little additional i'm giving you more work by the way i'm about to give you more work if people can if you can help people set up them themselves not to get lost not to panic and not to go crazy and not to go into new credit card expenses which are a max for many people anyway but is it something that crossed your mind to address a little bit this the next two three yes it look a little bit doomed although i'm a positive person and i'm yet sure everybody will do fine but reality is also sometimes a good ingredient in life so i both stand on the side of the nonprofit where i try to be helpful as much as i can to people and i'm also in the real estate and construction space so i'm very well aware of what you're saying in terms of having a crystal ball to say what it's coming of course we see rising interest rates and we see some other factors but people said it from 2012 to 2016 1820 and even right now so it's hard to see how it's going to exactly play out but i do agree with you that the forecast seems to be somewhat grim whether it be the you know the oil gas prices interest rate hikes so food cost food costs right so they're definitely a lot of factors you know inflation so there are definitely a lot of factors which are not in our favor and the question is will it happen how bad but like you say you definitely have to um be ahead of the curve so just in short like a real small inspiration obviously it's always smart from a business perspective and from a personal financial perspective you know to forgo what you don't need and try to save up money for two reasons because number one if something bad happens you have money also something bad happens and you have cash then you're the king so you can you'll have a double by purchase right but at the end of the day for the average person who has a job you know hopefully they have their job and they keep their job and life goes on because everything is a cycle so if you're old enough to remember and you are 2008 which i was part of it hurt but it took time and hopefully some people recovered some you know maybe didn't but but the cycles happen so in short so an individual a of course try to cut back you know it's very easy to tell someone else but when you have uh you know you have jaime pastnesh living with the neighbors yeshiva tuition food you know if someone is spending two million dollars a year you're like calm down but if a person is making 150 000 a year and between his food and two cars and tuition he's at 149 you can't tell them to cut back but then again recession or recession it's all the same so i guess in short yes try to save because i'm right right so you have to try to save and uh you have to try to be uh as they're saying and try to be i love your galaxy yiddish so juicy it's so tender i love it see that my mother was very uh my mother made sure that i uh adamant she was very adamant that i spoke uh good glitziani of this nice and he reminded me 2008 a relative of mine came over to me and told me i want to give you a piece of advice would you bless me and bench me by the end of the recession i said okay wherever you see a group of people it doesn't matter who complaining and forecasting bad and gray and black just walk away you'll deal with your life hashem will help you will help everyone but if most conversations most kremling most um gatherings were talking about this is coming this is happening this time this is if you see such a group walk away do whatever you want to do hopefully you'll do well and i think it's a very it's very good advice because people get sucked in besides the actual problems and limitations people get sucked into doom and gloom and they become stay out of it that's very true my wife once said something very true years ago she said the first day that you stop feeling bad for yourself will be the first day of the rest of your life so if you get you know sucked in like you say to different groups different people different thought processes where you feel bad for yourself it's so important to stay positive and to not feel bad for yourself it's so easy today people have labels and they try to you know justify why their life is not going well it's my boss it's my teacher i don't make enough money my wife my kids my school my school but the the minute you stop blaming other people and you take responsibility and it's not that it is your fault maybe it's not your fault you know my father passed away when i was six years old i can blame the world or i can stop feeling bad for yourself move on so i think that that's a very important muscle haskell and it doesn't pertain to me necessarily alone i'm saying everyone because we all can find a reason you know like when i was a kid either you were hyperactive or you're normal today add hdhd i think the alphabetical right this is too short it's too short they need more codes more letters today to describe so many conditions right so i think it's very important you know we all are great people we all have positive energy and we can choose to exercise that or we can choose to feel bad for ourselves and i think that as soon as we have that mindset you know i always tell people it's not what you say it's how you say it it's always like that so the difference between a very successful person and a person that's just talking too much is how they say it right you can both be selling stocks why is this person doing 10 billion dollars in business and this person doing 10 dollars in business and they're both doing the same thing and wearing the same suit it's all about mindset and it's all about how you say it it's not what you say because you're both saying please buy a deal for me please buy shoes from me please use my company but you're saying it different your presentation your mindset and when you have positive energy and you submit it it comes back people people love to be with winners they love to be with positive people and aina is that when people are upset and always in a bad mood you know misery loves company but no one wants to be with that company and that's exactly why i came here today because i like to be next to positive people to leaders to doers to people who not just don't don't just dream they take their dreams into reality and i want to thank you so much for being at let's talk tacos podcast i think we our audience will learn a lot from you and i really want to admire you for you could have spent much more of your time making more money and doing more things for your own personal life and you chose to slice a big piece of your day and if your weekend month and years in life for roll i admire that and you become awesome so thank you so much i mean thank you once again for the opportunity and again in life you only have what you give so it's an honor and i i inspire to hopefully you know accomplish for claudius swell and it gives me the biggest superconefesh you know we all try to make money and that's a tool that we use but i hope this inspires the average person like myself who's working to you know i always tell my children and you can be one of six billion people or you could be someone who's making a difference so i don't know if i am making a difference but at least we have to try i do thank you very much thank you [Music]