Talking Torah & Business In MONTREAL

[Music] is [Music] thank you for having me back again so you last year we learned and the uh since then we uh completed our uh movie uh and uh this office here in Montreal is actually part of the movie one of the clips that's in the movie is a uh from what we did here last year anyone that hasn't seen the movie take one of these flyers it has the uh QRC code on the back goes directly to the movie it's a very good one it's inspiring so not only did we learn here but now you guys are also part of a lot of for this office now uh business has you know business in Judaism has no end the say anyone that wants to be a learn thear those are thear that specify business how to think about business how to deal with business but uh also there's a uh a lot of questions that you guys may have so I actually would rather start with your question I have a lot of material but I'd like to ask uh you know you guys to ask some questions because I know that uh there are certain things that if you're in a business world there's always a uh difficulties that people deal with to start off with just to spice up your thoughts you should know that the difficulties with business and how to treat money is was also in ch last week was a person that tried out all of the in the world why he was looking for the Amit he was looking for the but then the that we get T it says heard the real truth heard what hasem did for in Egypt and everything he left all the left all the money in the world that he had left everything went to Mount Si with nothing except his daughter the grandkids that's it now hasem was so impressed by that he called it he made called the but even more so he put an idea sorry usually yell people for having their phone uh I have to yell it myself uh he he put an idea in's mind that in reality when you think about it wasn't really such a big deal that wow what a like how come didn't have this idea logic what was the idea came he saw mosenu judging the people and he saw a line from here till the end of the Equator the line was never going to end he told Moshe what are you doing here this is how you're judging them you're going to hurt them you're going to hurt yourself it's not the way you judg you have to have a system and in Ence he invented the judicial system we have all over the world Supreme Court lower courts and so on and so forth but he told mosu something very interesting that's relevant to us he says if you're going to have judges you cannot have judges based on who finished College you cannot have judges based on who has the highest grades you cannot have judges of who's popular and who knows who you have to have judges based on their character why cuz that's the only way you're going to know if this judge is a good judge what character traits are required to be a good judge he says they have to be they have to be people that are accomplished meaning these people are not people that are doing it for the money they're not doing it for the money they're not doing it because they want to make a few hundred, a year they're doing it because they already have money but they're doing it because they want to bring good to the world also some say that also means they have to be they have to know to they have to know the rules not just decide based on their emotions oh this guy oh you know he's rich and uh the the poor guy stole money for him but in reality the poor guy he doesn't have any money the rich guy can afford to lose okay let's give it to the poor guy that's a that's a bad judge why you cannot judge like that because he could lose therefore he should lose whatever is AIT is it so first off he says they have to be how do you know if they're going to practice what they actually know they have to be they have to fear AEM always have AEM in their mind if you have AEM in your mind you simply are going to be a kosher person why if you are afraid that Hashem is watching everything that you're doing you're not going to do a lot of things that you want to do naturally you're not going to steal because you know Hashem is watching and if he's watching he's writing it down he's going to put it one day you going to have to pick the bill you know that if hm is watching you're not going to do a lot of things so you have to have you acquire by learning you have to learn that there is a judge there is a judgment there a a judgment there's a judge why because a person needs to know just like in with the law of the of the land you're not going to speed on the highway not because you're suddenly uh you know don't feel like getting there because you're afraid of the risk afraid of the risk of getting a ticket afraid of the risk of hurting yourself hurting other people and so on same thing with business you're not going to break the law openly because you're afraid of getting in trouble same thing with Hashem a person needs to not you know think about hem because Hashem is the law so is required in order to be a judge he also says they have to be what's is someone that stands for the truth even when it's inconvenient for him meaning somebody comes to you says listen um I have the invoice over here and it says on it that uh you paid but uh between you and I remember you didn't pay and you know you didn't pay but in reality there's a record that you paid and you can get away with not paying if you're is you're going to pay anyway why because even though you can get away with not paying you know the is not this is not it you have to pay so when a person's a is looking for the truth he's going to fulfill that truth even when it's not in his in essence interest then he says something that is almost impossible to find today even in his day time ofu people that hate money today it's the exact opposite but don't feel so bad we also know that it was the same thing 3,300 years ago why because it says heard all of the ideas that gave him how to build this court and how to pick the judges and he chose men of accomplishment wait a minute okay accomplishment was one of the things and was one of the things what about all the other quality says we couldn't find anybody like that we only found people that were successful that's it people that hate money we couldn't find we couldn't find meaning that the hate money is not something that you're born with it's something you have to acquire what what's what does it mean hate money hate money meaning you have to look at money as simply as a tool as a tool just like you look at a hammer is a tool money is a tool don't worship money don't do crazy things for money don't break the law of the land and don't break the law of Hashem for the sake of money because in the end it's not worth it in the end is not worth it when a person thinks of money as simply a tool he doesn't become an idol worshiper for money he makes money it's okay to be successful there's nothing wrong with being successful many sikim in history have been successful M raenu was a multimillionaire RAB AKA was a multimillionaire rabud was a multimillionaire was a multimillionaire as many Jews that were very very rich throughout history there's nothing wrong with being rich there's something wrong with being not Kosher so that's the the main thing that I want to go over a little bit more today is how do we make sure that maybe we can't overnight all get to a point where we are uh getting rid of all of our addictions to money but at the very least how do we make sure that we stay kosher because we're in business we do business some sell some buy some do both you're dealing with people you know there's one one very uh mistake big mistake that people make they think that for example yes if you do business with a Jew you have to do it in a very kosher way but if it's a you could cheat the there's no bigger mistake than that there's no bigger mistake in the entire Tor not that I know the entire T but I can tell you from what I know there's no bigger mistake than that and the reason why the say in many places the ra many other places mentioned that when a person cheats another versus He Cheats another Jew it's very different why if you cheat a Jew you cheat a Jew a Jew says Ah you're a cheater that's it you're a cheater it's only against you but if you cheat a let's say for example you lend the money and you charge him I don't know like these cash advance business we have in America they charge people 80% interest they pretty much murder people in the streets with their craziness this brings AEM this is he doesn't look oh you are a bad person he says Jewish people are bad people and you desecrate hashem's name so when you mistreat a you steal from a you overcharge him you manipulate him you do something it's actually worse it's actually worse than cheating a Jew so much so read something very scary if you guys remember we have puim coming up now one of the things with pu pu is we we fulfill theah to destroy now the talks about the little verse that we read about Rashi says over there Rashi says over there if you notice right before Hashem mentions amalik he mentions the laws of how to do business with people and someone that cheats on the measures of the weights let's say if you have a weight let's you weigh things like for example how they they sell in the market you want to sell 100 pounds and you can cheat by having like something in the system where it looks like you're selling 100 pound but in reality it's 90 so you're cheating the guy for 10 so hasem says somebody like that it could lose his now Rashi says how come this business rule is right before Amal what does one thing have to do with the other he says learn two things from this number one learn that that's what Amal did am were cheating people in business and when we cheat the goash says we're giving power to am we're giving power to am why you gave Hitler an excuse to murder Jews not that he needed an excuse but now he has one that's what Hitler wrote in his mind come he hated Jews because they were cheating in business anytime that the G look for something they always look in business first that's where it affects their house when we do non kosher business in essence we're giving strength to amalik so it's very very important for people to know what's right what's wrong what to do what not to do on everyday life because this is the first question says first question they ask a person when they get up to what they ask him did you conduct your business witha meaning did you conduct your business with AEM in your mind Nota that you're going to make money or not make money meaning was AEM on your mind when you were doing business were you honest with people did you have integrity were you ethical when you were able to take advantage of people did you do it or you didn't do it when you were able to uh you know somebody for example took from you did you uh sue them right away or did you try to uh you know solve the solution without going to all the lawsuits and the craziness if it was between one Jew and another Jew did you go to the bedine or did you go to the Civil Court things like that when you're busy with business it's hard to think about unless you learn every day unless you learn a little bit every day so hopefully this giv us a little bit of thoughts has some questions for me unless you guys know everything and then you give me a shoe so here's a question okay so you said I'm like you're cheating people let's say you cheated the person back do that make wrong still even they it's a very good question it's a very good question uh have the answer you have you know you have that okay that's the uh that's be so many taxes so we try get out of our you saw that coming so now so now we pay a lot of taxes taxes I know taxes you know actually there is a DOD is a do in regards to taxes if somebody's a he doesn't have to pay taxes some have to pay taxes I found my solution solution learn to become you have to pay any taxes now the uh 228 the number six it says that we're forbidden to deceive a gentile deceive a even with G what's G is let's say for example this guy he decides that he wants to eat kosher food wants to eat kosher food and he comes to your store and he says I want to eat kosher food and uh you have kosher food you have uh but you have some stuff that's not Kosher in the back that uh you're going to sell to the Arabs now this guy in reality it's not a mitv to eat kosher food and he doesn't know the difference if it's kosher non kosher so you go to the back and you want to sell him the non kosher because it's cheaper says you're not allowed not allowed why because even though he's not obligated to eat kosher food he thinks he's buying kosher food you're not allowed to cheat him now what happens what happens if he uh he uh cheated you first let's say for example when you went to his store he cheated you and you want to do like over here says you want to punish him go back so Ru zman says even if a needless to say a Jew even if a hurt you even if a hurts you you're still forbidden from hurting him back it's if you hurt him back it's considered stealing now that means that even if he hurt you in his business he hurt you in his business and he comes back to you and he says you have an opportunity to hurt him back you're not allowed to hurt him except when it comes to money explanation explanation I explain I know it's confusing that's why I said it at the end if let's say for example he hurt you um you know he he beat beat you up you're not allowed to go back and beat him up finished go go to the courts go to the LA and then finish with that what if he stole money from you and there's no other way that you can get this money back from this boy no other way he stole from you the law is in favor of the go and in reality there's no other way for you to hurt him back there is a opinion that says if you have an opportunity to take the money back you can but again you have to make sure that you're right first the problem is sometimes we think someone hurt us when in reality didn't hurt us so generally speaking a person should avoid taking the Law into his own hands we are not the judge we're not the jury and it's not in our uh it's not our position in the world to give people measure for measure measure for measures for hasem to do because sometimes what a person has to think about is things that are Beyond him so let's say for example he hurt you he stole $5,000 from you okay now you have an opportunity to steal $5,000 from him back what is the problem the problem is there are people that are watching you and they don't know that he stole from you they don't know that he stole from you and they see you steal $5,000 from him and guess what even know you gained your $5,000 back which is permissible to get your money back you have a very serious problem in your hand you now have desecrated hashem's name because the people that watch you says look at these Jews they're thieves look they're taking advantage of these go the poor go Ah that's whym punishes the Jews that's why this and that's why that so what is a person to do a person goes up to Hashem and says Hashem you're the judge if I deserve for the $5,000 to be stolen for me I have no complaints to you I deserve it but if I don't AEM please give it back give it back in another way why I know you're responsible if if I deserve to lose the $5,000 then you're using him as a tool for something I did but if I don't deserve to lose the $5,000 I know that on sh you already decided how much money I'm going to make both on page 16 says that a person is is already decided on which means it doesn't matter how much you work it doesn't matter what kind of profession you have it doesn't matter how many hours how many employees none of that stuff actually matters AEM decid already how much money you're going to make already on which means if that money was taken away from you but you deserve to get more money that year you're going to get the money it may not come from him it may come from somewhere else so why bother fighting that's the point don't bother fight don't key is to keep working keep doing what you need to do and if you deserve to get to live you get it ah why why would a allow somebody to take advantage of you in the first place so says Hashem says that if I love you I'm G to test you now where's the most you know um personal way that you can test a person usually men especially in their money in their pocket how do you test if somebody could be your friend how do you test them his looks doesn't matter to you his uh father or mother doesn't really matter to you so says you test him how does he behave after he had a drink how is he with his pocket is he generous is he stingy if he's generous good if he's a stingy guy who wants to be friends with a stingy guy every time you go to dinner he says listen I only had a half a Coke so I'm going to pay this I only had a two bites of the sandwich before you know it the guy gets out of a $100 dinner with $25 who wants to be friends with such a person how does he treat money is he stingy is he honest and alsoo how does he behave after somebody caes him he gets angry is he get angry where he starts breaking stuff or he's contained he gets angry like you know most people but he's a normal person he's upset but he's contain so is going to test you in your pocket he's going to test test you constantly in your pocket he wants to see listen when you were making money you were praying you praying you praying you going to you're going to RAB you are learning all the time when you're making money hasem says are you only learning because the p is coming smoothly or you learning because you love me I want to test our love hasem says I want to test our love so let's see all of a sudden you show up to work uh sir they give you a pink slip in in America they call pink slip give you're fired you're fired what do you mean fired I'm working here 20 years how am I fired listen we're having layoffs Corona virus we're having layoffs we cannot uh what do you mean what up do Corona virus I'm a you know I'm a plumber listen that's the only excuse we come up with you're fine you come home all embarrassed you have nothing to do uh honey I'm fired your wife gets into a panic how we're going to pay the bills the school the this the that what is all of this what hasem wants to torture you no he wants to test you he wants to test you are you still going to go to DUI are you going to go to RAB are you still going to learn to all of a sudden you're going to be B all at home poor me poor me all day crying for yourself meaning did you learn to because everything was comfortable you fulfilled the MIT because everything was comfortable or because you really want to connect with if you really want to connect to hem then it doesn't matter what's going on in your world doesn't matter if he stole or he didn't steal you're still going to stay connected to asem and that's in essence where hem sends us different tests to see where do we stand how how do we uh see this in our own life if you build something for example if you're building a car now when you build a car you don't just put the pieces in and send it to Market what do they do they do crash tests so first they put on the door right they put the frame on they put on the door now they don't just put on the door and say okay this works what do they do they smash the door about a thousand times to see how much pressure can it take how many times can I close this door before it breaks cuz that's how I know how strong it is they shake the door they shake it they shake it oh it's not it's not Shake okay it's good this is a good door next level then they check the tires they kick the tires they punch the tires they put screws on the way of the tire to see if the tire is going to pop a lot of pressure on the tire oh okay this is a good Tire next then they put the windshield and the glass and they start hey guys throw a bunch of balls at the windshield wait it's going to break exactly I want to see how many times can you throw a ball on the windshield before it breaks that's how I know how strong it is they keep testing it they keep shaking it why because we need to know what's the quality what's the grade of this car before we send it to Market is it a class or is it like C where you may not even make it a week with this is it a uh cardboard car or is it a real car that's what does with your every so often he sends you a test he kicks the tires a few times he checks the door he throws a few balls in your face instead of the glass to see are you going to break how how many times can I throw the ball in your face how many times can I send you stuff before you break oh you didn't break next level what does it mean next level you pass the test you get a little reward you pass the test I'm going to give you a little bit more money I'm going to give you another opportunity you passed the test you didn't get into a depression after you got fired okay now I'm going to give you a better job there was one guy in Wall Street that I know when the crash of 20072 2008 happened this guy was making a bunch of money they fired him now imagine you have a job you're making $100,000 a month now all you have to remember is a little box with your pen and paper in it now he thought this is the worst thing in the world what am I going to do his skills weren't really transferable to other other professions he's a traiter you can't really use this for other things what do I do he says listen the only thing I can do I could just figure on the internet maybe I could figure something out next thing you know he started some type of app made a Fortune out of it get a fortune out of it why says I closed this you passed the test now I'm going to open a bigger gate once you pass the test I'm going to open a bigger opportunity for you the key is to pass the test and not lose yourself but you have another question follow up you ask something again make mes and doesn't SC I are you obligated to do it or you could let it pass so there is a um P it that says the following it says there is a certain types of people that they uh see other people's mistakes and they like you said they fulfill the mitvah of K say listen you made a mistake here's your money back you gave me instead of a uh $1 bill you gave me a $100 bill and I'm as a Jew I cannot I'm not going to accept it this is this is It's the biggest mitvah you could do but there are certain people that say oh you made a mistake oh you made a mistake I'm I'm become rich off of other people's mistakes so the P says sadly the intentional forgetfulness of a person that ends up to becoming gazel as if it's allowed to to to take advantage of people is uh in essence people are doing this where they get to a point where mentally speaking they constantly look for people to make mistakes in order for them to benefit to build their empire of other people's mistakes and little by little they have turned what's mistake into permissible meaning oh it's allow this his mistake that mistake let's people everybody makes mistakes that's how is going to give me P that's a mistake we don't want to make money off of other people's mistakes now if let's say a makes a mistake am I allowed to take advantage of it or no what's the actual if he makes a mistake on his own he gave you wrong change wrong change you're supposed to tell him there's a mistake here supposed to tell him it's a mistaken if heists no no this is for you then you could take it it's not really a mistake it's not really a mistake there are some opinions that say if he makes a mistake by himself completely you did not get involved you did not uh you know confuse him in any way you can even take advantage of that where's the uh where's the uh the line the line is if the uh for example if let's say he's counting money he's supposed to give you money 1 2 3 4 5 6 7 8 9 10 whatever it is $1,000 he has to give you back and you know the guy just counted $1,100 $1,200 what are you supposed to say supposed to say listen I'm relying on your account meaning he counted the money goes here's your $1,000 now you know for sure there $1,200 there you know there's $1,200 there you going to say listen I'm relying on your account I'm relying I'm not going to count it I'm going to rely on your account whatever you count it I'm going to take it if he says yes meaning you gave him the opportunity to check double check himself then you could take it but like I said who wants to make money off of other people's mistakes is that a or is that not now where's an example there was a holocaust Survivor at the time when in is they were giving money to all the Holocaust Survivors because of the what the Nazis would did to us now to appease people to help them a little bit they gave us some money as if going to make anything okay but anyway people get crazy when it comes to money so there's one sadik that uh they said to him listen uh you you are one of the candidates and is going to get some money but all you have to do is you we have to have one of us psychiatrists analyze you analyze you to see where how much damage you have mentally so you're going to have a test a phone call on such and such date to uh to analyze you now once he found found out okay he has his date he told one of his sons oh yeah they called me say some of a test I don't want to deal with this stuff all of a sudden the cash register in the kids's mind went ABA listen you can't think only about yourself forget about it you have to think about us our inheritance you have to leave us something ABA you didn't make much money tell them you're damaged tell them you're you're you're demented tell them you're crazy tell them you don't eat anymore tell them you can't walk tell them this tell them he goes but it's not true I could eat I could walk I could learn no no no ABA no this is not a time to be a sadik Aba this is not a time you tell them that you can't eat and you can't sleep at night and you have all these nightmares goes but it's I don't I'm okay I'm fine goes no no ABA so I'm not doing I'm not lying so the kid wasn't taking that for an answer so what he do he told his brother next thing you know his brother called him ABA listen you know Steve told me that you are going to tell them the truth no no you have to tell them you're damaged and you're suffering and this all day all day the brothers then the grandkids called and the other grandkids called everybody one after another call them no you have to lie you have to lie you have to lie you have to lie you have to lie you have to lie he kepts telling everybody no I'm not lying I'm not lying if wants to give me he's gonna give me I'll have to lie for it but they didn't stop pounding him day after day day after day then they he gets a call he's so frustrated he starts screaming without even saying hello stop it I told you to leave me alone I told you I'm not going to lie anymore I'm not going to lie this is stop it he yells and then the doctor says okay no problem and hangs up the phone he gets a letter in the mail since we see obviously you're traumatized you're going to get full benefits he didn't want to lie also didn't want him to lie but also wanted to give him the good benefits all the full benefits and he gave the full benefits now if he lied do you think he would have get the same outcome absolutely not absolutely not why even if he would have gotten the money it wouldn't be the same outcome why because that outcome would be a lie meaning that would be gizel if he would have lied he could potentially get the money and fool the people but in sham they write on his name his name g gav is a Thief what does it mean a thief tells us that no person can enter geden with blood on his hands with stolen money on his hands which means that that person goes up to Sham even if he kept Shabbat even if he kept all of the MIT of the Tora but he has $100 stolen in his name they say I'm sorry we cannot ledge a thief into ganed you have to come back as a Gil you have to reincarnate go give the money back to the person that you stole it from finish a whole life without making any more then you come back to is a famous story of the bmov the bmov came to one of his students that was uh in in the business of horses had many horses the bov says that horse over there can I buy it from you the student wanted to do what the rebi wanted but that was his favorite horse so immediately he said rebby any other horse you want I'll give it to you any horse you want just not that one goes no no but that's the one I want I don't want all the horses I want that one he goes but please the guy starts crying no no no listen this is the this the best horse you don't understand what kind of horse is this is the only horse I've ever seen in 20 30 years of dealing with horses I've never seen a horse that you don't have to tell them how to work he does the work by himself this horse wakes up in the morning asks me for work all the other horse have to convince them I have to hit them I have to feed them entice them to work this one works by itself he doesn't want to stop working this is the best horse in the world he goes That's the horse I want he goes listen you're my rob you want it you want up S it's yours he goes you sure sure you promise it's mine mine he goes okay I'll buy the horse he gives him the horse and then the uh now that it's my horse the B says I have to ask you a question a different question he says by any chance did anyone you know Di recently he said yeah how do you know just answer the question I'm asking the questions did anyone you know die recently he goes yeah my my dear friend from uh down the road he died recently he says that friend was a good friend of yours yeah was very good friend 30 years were friends that friend did he owe you any money wow re must have how do you know he owed me money he owed me $100 nothing small amount of money $500 wasn't like big money but it's okay goes wait wait so the money that he owed you do you forgive him for it he goes of course I forgive him he died me scar I feel bad for his wife goes no no but do you really forgive him goes yeah 100% rep goes so say his name I forgive him three times he says the guy's name I name name the horse dies the guy gets a shock of his life he just saw his favorite hor that he just told to the rabbi he feels bad the horse just died but at the same time he said he goes what happened Rabbi he goes the of your friend was inside this horse why your friend owed you $500 he went up to Sham he fulfilled the entire tah except he owed you $500 the betting of sham says we're sorry you cannot enter ganeden owing your friend $500 so what do I do go work for him you're going to be a horse until you make him enough money to to pay back the $500 but now that you forgive him he finishes T now he goes meaning stealing in the eyes of hem is a crime that's much much more significant than what the government even thinks a person could literally go back to a whole life just to fix $500 needless to say if a guy's entire business is stealing so it's very important that we don't look to take advantage of people we don't look to beat the system don't get confused thinking that cheating is necessary for you to succeed you know people sometimes say no no I'm just ambitious I have to get ahead how am I going to get ahead if I don't uh you know play with the gray area gray area being much black but in reality called gray there's nothing gray about stealing it's stealing there's nothing gray about cheating it's cheating a person knows what's honest what's not honest if you believe in Hashem you know that you can do business 100% kosher and still be very successful if you believe in hem you know that you can do everything right and still be a failure I know guys in the business world when I was working in it they were doing the same exact thing same exact thing for much longer the first company I worked for was a company called Raymond James when I came in there the two guys that own the place they're they were in a business already for almost 20 years each 18 19 years each Within about two years I'm making more money than both of them combined now was I that much better than them no one is that much better than anybody no one is that much there's no one there's no difference you're never going to be 500 times better than any other person there's there's never that much difference in Talent like even if you are going to compete against let's say but let's say in a basketball against Michael Jordan you throw the ball he throws the ball he's never gonna be 500 times better than you he may be double better than you five times better than you even 10 times better but it's never gonna be 500 times it's never going to be where you're throwing the ball and it's pretty much it just stays in your hand still and him goes in the basket every time it's not going to be that much of a difference so what's the difference difference is decides he's the succeed you're not going to succeed you're going to succeed he's not going to succeed why did I succeed so much more than those other guys hasm decided I was going to succeed at that time why do when when everything went to garbage and took every single penny while everybody else was making money how come hasem decided that because hasem decided that he decided that all the gold that I had will turn to ashes and all the ashes that everybody else would turn to Gold he decides which means that when we believe in a 100% we don't see stealing cheating and going around the system as even an option why because we know that the comes from hem now it's hard sometimes because sometimes you have opportunities that you're not sure you're not sure if this is good this is not good this is legit this is not legit so that's when you ask the rabbi you ask the rabbi listen Rob this is the situation you ask a serious tell me that's not biased that's not looking for money from you he says he ask him listen Rabbi I have this situation the guy uh sent me a container worth of goods and you know this uh container container had some extra stuff am I like to take the extra stuff or no all the container the container got lost the insurance company paid me but now they found the container do I have to give back the insurance company the money all types of shot like that you have to go to you have to go to Rabbi that knows the tell you yes or no why because you don't want to go up to Sham with stealing in your account it's not worth all the money in the world if somebody gave you a hundred billion dollar right now but he says listen listen I just stole it from the government and it's yours I stole from the government I give it to you right now but you should know it's Ste I stole it you can't take it you shouldn't take it question is will you take it if you understand that everything comes from hasem you'll understand that if hasem wants you to have a hundred billion dollar you will get it in a kosher way if he doesn't want you to have it no matter what you got he's going to take it away and that's what I saw in my life I saw in other people's life people that thought that they got ahead they made a bunch of money but didn't have a didn't have blessing so ended up happening they thought they had the money but then all of a sudden all the money was going to bills it was going to IRS it was going to Medical it was going to all types of debt they forgot about it was going to uh fines all types of things they didn't want to use the money for so yeah on their on their statement it looked like they were making a million two million three you know big money but actual reality they were barely able to pay the rent how do you know if you're one of those do you make a lot of money but you don't see much blessing in your life you don't see that you're not enjoying the money it's constantly going to the bad things you have a constant issues you're not you know you're just not happy with your life you're making a lot but it's it feels like you're so you have to you have you know yourself better than anybody else you know whether you are a slave to money or you're not a slave to money whether you're cheating or you're not cheating it's very very important to analyze ourselves do what's called self- accounting because when you see yourself you're not going to lie to yourself you know whether you're lying you know you know whether you're cheating you know it analyze yourself see what you are doing what you're doing right what you're doing wrong and little by little start doing cha for it if you're not doing anything wrong you're the of but in reality the says everyone everyone may not be saying everyone may not be violating Shabbat everyone may not be doing a lot of things but everyone potentially is stealing even if they don't know it why because they're just not paying attention it's not always intentional stealing it's not always intentional just he didn't pay attention you didn't pay attention key is to pay attention you have to pay attention because it's these minor things that a person thinks you know how come didn't send me because you didn't pay attention to one detail you ended up losing the blessing that hasm wanted to give you and now the whole blessing is on in heaven on hold until you fix this so when we pay attention to these details you get a lot of blessing in your life next question um what if you so this is a personal question what if you walk in field I won't tell anybody else you're work in the field and uh has money in it but in the same time you see incredible amount of corruption we've seen this and there's a big people whove done crazy things like and I've seen this happen I've seen industry full of corruption industry full of corruption and now you know if you leave this industry then you you might have to spend a few more years doing something else okay if you stay you're going to have to fight to get okay it's a question of Time Versus like what do you do do you in the field so there is a as we said before there are guys that I know in a business when I was in the stock business investments in the same time that I was making millions of dollars they were barely able to pay rent on the other hand I know a guy that made maybe a hundred $200 million do selling dog food dog food he made1 $200 million I know another guy that he was selling a uh screws screws and screwdrivers also made 1020 million and then you have the guys that they have the same Basta same little hole in the wall selling screws for 30 years barely making 500 bucks in profit a month meaning if a wants to give you it has nothing to do with the profession doesn't matter if you're selling Q-tips to hotel chains or you're selling stocks or bonds or anything else it doesn't make a difference what the profession is doesn't make a difference if hasm wants to give you P I'll give you P there are people that make maybe a100 $200 uh every time they clean a house and there are guys that have an entire business of people working for them cleaning houses what's the difference between the two Hashem decided that one is going to make $100 and that one's going to make $100 million which means that the industry itself is not so much important as far as the income but rather if you're able to do this business in a Kosher Way and if you can yourself stay a kosher person meaning in the investment world it's a it's a it's money it's kind it's the business of money now because there's you know money flies high and low and there's a lot of stuff that means there's a lot of guys that are you know get rich quick and when young guys get rich quick they make a lot of mistakes you know cocaine prostitutes all the horrible Sodom and gamorra type of things they do it so so somebody says listen since there's so much disgusting things in the investment world you know all this garbage all of this filth maybe you shouldn't go into the investment world that's wrong why just because you're going to investment doesn't mean you have to steal and do cocaine and have all of this filth it's a necessary business people invest money just do it in a Kosher Way But if the only way to do this business is corrupt then obviously you cannot enter it obviously you cannot enter it if this business it itself is a kosher business and you yourself can do it in a Kosher Way and be surrounded by people that are not corrupt you could do your thing no problem but if the business is pretty much it's the mob there's no way to be a kosher mobster you cannot be Peter Pan Peter Pan is a mobster you cannot be Peter Pan you cannot be a steal from the ridge give it to the poor doesn't work that way you know you have to be a a Robin Hood or rep hand whatever there Robin Hood Robin Hood so uh I'm a little off of my cartoons uh so the point is is that you cannot be a a kosher Thief if there's a way to do a certain business in a Kosher Way and you can have a relatively kosher environment no problem it's a necessary business you're providing some type of service no problem but if the business itself is corrupt the people are corrupt and you're just trying to invent a way to make this kosher then try something else as far as how much you're going to makea don't look at it that way you know it may look like you're going to make a lot more money in the beginning in this versus something else but remember the beginning is an illusion the beginning of everything is an illusion everybody goes into business because they think they're going to succeed does it mean they're going to succeed no a guy can come into a business think he's going to succeed and he ends up becoming a big failure he goes into the business one two three one two three does a few deals next thing you know government shows up in his office uh yeah we're sorry but everything you've been doing is illegal how does he know I'll give you an example in the investment world there's all types of ways that people try to take advantage of the system so one of the ways that they did it in the insurance business is by doing Life Settlements which means that you buy let's say you sell life insurance now the beauty of life insurance is that you know everyone's going to die at some point so they have to get paid but the insurance company also knows this so how come they continue selling people a life insurance policy for $200 a month or $5,000 a month depending on the age depending on the policy but how come they keep selling the stuff if they know that for sure they're going to have to pay people why would I sell you a policy that's going to give your family a million dollars for 200 bucks a month what am I crazy even if you even if you pay that premium for 50 years I'm never going to make my money back even if you you pay 200 bucks a month for 50 years I'm still not making a million dollars so how come why would I sell you a million dollars for $200 a month how come they rely on a couple things number one they rely on the fact that the vast majority of people will stop paying at some point they'll pay for a year two years 3 years four years 5 years 10 years but at some point they'll either forget to pay or they go to a financial hurdle of some kind and they stop paying and in essense everything that they paid so far is 100% profit so they rely on people's error 90% almost of the term life insurance policies never get paid because people stop paying them and the company just takes all the money that you paid they don't have to return it to you it's their money that's their profit they rely on people's mistakes not exactly the ideal situation but nonetheless it is the foundation of that business but there is another way there's another thing that the insurance company relies on people being criminals meaning people lying on their application people cheating in some way or another and the insurance company has one building for the people that sell the policy and one building full of lawyers to look for ways not to pay people to see where you made a mistake or did you write the right age oh it wasn't the right age you lied by a year oh if you would have given the right age it would have been a completely different policy completely different price void yeah he died but he's not getting paid his family's not getting paid they're going to look for mistakes so what happened is a couple of guys that tried to make money easy money they decided that they're going to do something where they're going to get people to older people to uh buy insurance policies now if you're old the older you are the more like you you want to die sooner so I'm going to get a 70y old a 65y old to buy a policy which statistically speaking doesn't have that much time left five years 10 years 15 years you know in Insurance business they don't say they don't say live to 120 say die quickly because we want the money so what do they do the guy said listen uh Mr Jones can you buy this policy it's a uh it's 65 years old he goes I don't have the money it's a at this age to buy policy it's too expensive he goes no no Mr Jones you don't have to pay for anything well how could I do this you buy the power you sign the application but we're going to get an investor we're going to get an investor to pay for the policy and all you all you're going to do I'm going to give you a little bit of money up front but in essence the policy is owned by somebody else you getting free money just for signing an application ah why not sounds a good business right he doesn't care all I have to do is sign somewhere the guy is paying the premium what do I care he gets the money but I get a little bit of money right now free money just for putting my name on something sounds like a fantastic deal the insurance companies noticed that this was happening and then they started rejecting one death benefit after another why they said there's a rule whoever buys the policy has to have a vested interest for the person to continue living he has to want the person to live because if somebody else B is paying for the policy that means he want wants this person to die and this could lead to corruption this could lead to murder this could lead to a lot of things he's not following the rules of the policy he is violating it even though the guy died we're not paying it so the point is is that people are always looking for ways to cheat to manipulate to do that and there's always going to be ways to do that there's always going to be ways so now a guy that I know went into this business thought he was doing great one day after another he's ging old people to sign up he tried pitching me this cuz once you sell this to all your customers I said I'm sorry this is stealing what's stealing it's uh they're making money free money I said no no no something wrong with this it doesn't make any sense that this is allowed does it make you go get a 90y old guy to buy insurance what insurance company is going to allow and on top of it he doesn't care said no I'm not interested in this type of business long story short he thinks he's doing good for two three years one day the Fred show up your entire business is shut down overnight overnight no second chancees know nothing everything goes to zero in one second that's after he already has commitments he has to pay rent he has employees has everything so all the money that he thought that he was getting right away was an optical illusion and there are many people like that that I know and that's the thing so you cannot look at things just based on the surface oh this one is a lot of money this one not so much but maybe down the road look at things is what can I do where's my skill set can it be done in a CO way is it a kosher environment is it a needed business and that's it is going to come there's plenty of people that make a fortune in a lot of different things today question is whether it's a kosher or it's not Kosher you know as far as if you could do whatever this idea you have in your head in a Kosher Way go do it the fact that there's going to be Thieves doesn't make it not a kosher business there every industry has thieves you show me an industry I'll tell you how they're stealing every industry has thieves every industry there's no exception whatsoever there's a mishna that says we're going over it I think last night or this morning that uh they asked ranan how do we know if the uh certain tools are pure or impure he says generally speaking we know that impurity that tum if it's a metal if it gets Tuma that it becomes T but if it's a piece of wood it doesn't get Tuma but there are exceptions what are the exceptions if the piece of wood is hollow then it can accept Tuma why do we care if for this hollow what was racism against hollow hollow hollow sticks what do we care about them he says listen if it it's Hollow this this is a way for the thieves to steal also he says in the older days a guy would come to the uh person that's selling stuff and said listen I'm going to sell stuff for you you give me whatever you want me to sell I'm going to go to the market sell the stuff and I'll come back to you with the money give me my commission no problem so the guy would put you know he had a stick had a wooden stick he put one basket on the right side one basket on the left side he goes to the market comes back with just money he gives the guy and he gives us his pay he says but then what would the thieves do the thieves would take a stick that was Hollow now so the guy would go to the market sell all the goods come back but it was not enough money says where's the money I gave you $1,000 worth of goods you only gave me500 goes listen I don't have any Pockets I don't have any Pockets you can check me I have no pockets you saw where I went you saw where I came back I don't have anything says Where would he hide the money inside the pocket of the hollow stick inside the pocket of the hollow stick he says so this is a way Hollow sticks are ways for thieves to steal same thing with certain people that are begging for change they would have they would hide the money that they collected inside their stick inside their cane so there's a way for them to steal they'll pretend like they don't have any money but in reality they had a lot of money so then the comes come to says wait a minute hold on a second you're teaching people how to steal here you're teaching us that this is hollow this is not Hollow this is but in reality you're teaching people how to steal what if thieves read this m so he says wo to me if I say it woe to me if I don't say woe to me if I say it and the thieves learn our Torah and they learn how to steal woe to me if I don't say it and the thieves think that they're smarter than the Tor so what's the we say it why do we say it anyway why do we teach it anyway because if the thief if the rash wants to steal let him steal why hm's gonna hm's going to deal with him we still need to know how to deal with such people we need to show to has all wisdoms so in essence what have we learn here from that we learned that it doesn't matter what you do there's always going to be a thief that finds a way to manipulate the system you go to a gas station today is a 50% chance that you're going to get gas and you're also going to get the defrauded too why because Steve's figured out to put a little plastic piece inside the uh where you put your credit card that while you're giving the credit card they're also reading your credit card and it becomes part of their their credit card now the thief's credit card your credit card became his credit card you got gas he got your credit card he says for the for the credit card thank you you're going to pay my bills this month that's Thief that's what Thief what did he do he worked really hard to figure out how to make this little plastic piece look exactly the same way as the piece that's necessary in your in your uh in in the gas station the you looks normal and unless you shake the thing you're not going to know because it looks exactly the same you're putting your credit card meaning there's the gas guy he's there to make an Hest living and then there's the thief that's found a way to take advantage of this guy's honest living and make money out of it so don't think that there is a this is always kosher this is always not Kosher every business will have something that's not Kosher about it and every business will have something that you can do kosher so that's the way you got to look at as far as money Hashem will give you money anything else we have any more time I think we're almost done okay what else I have a question when it com toing money from the employ right uh let's say sometimes what happens it's not intentionally doing it but you uh you're you're not as as as efficient in your work it's just that you are not are you for let's say not being you know at the top of your performance you know or you're just intentionally being lazy in the workplace I mean you're giving the time you're not cheating by saying okay because it happens a lot with three businesses right you charge a client and you say I worked on it for this time this amount of time but maybe it's not exactly that or maybe it was but it was very leisurely done sort of a thing so you have to be the says that I believe it's a not but I think it was a grandson they couple of people came to him asking him for because it was a drought was in uh and uh they came to him while he was working and he wouldn't even say hello to them he wouldn't say hello to them and then until he finished working say Rabbi how come you didn't say hello to us he says my boss is not paying me to say hello to you he's paying me to work what do we learn we learn that the more a person wants to be close and glued to hem the more honest he's going to be with his business which means if a person is paying you to work you're supposed to work not text message your wife not to go on a phone call for half hour not to uh go pretending going to the bathroom but in reality you're looking at YouTube videos not to go to 500's cigarette breaks he's not paying you for cigarette breaks if the boss doesn't mind because it's that kind of a job he says listen as long as you get your job done I don't really care how many phone calls you have I don't care how many cigarettes you smoke I don't care how many times you call you wife just get your job done at a specific time I don't care if you have that kind of a boss no problem but if your boss if you know that if your boss saw that you're smoking 800 times a day and watching nine YouTube videos and all that stuff and you know that he's he's not going to be happy with you then in essence what's happening you're stealing you're stealing so a person needs to know where is he working what kind of Boss does he have but also empathize meaning look at things from the boss's point of view if you had you as an employee would you be happy with you if you had you as an employee would you be happy with you if you would fine but if you know that you wouldn't be happy that that that you're going on so many braids and so many this and so many that then obviously you have to fix yourself that's what is all about we have to analyze ourselves not only from our own perspective but from somebody else's perspective same thing goes if you're a boss if you're a boss you you know boss is always have this excuse listen I'll pay you on Monday yeah but I need the money today it's Friday Friday is the pay day yeah yeah but the the check didn't clear yet so I'll pay you on Monday you have a very very serious Dean in sh if you delay payment why the employee doesn't care that you have your own banking situation his life depends on the fact for him to get paid on time it's not his problem that you have bills it's not his problem that you didn't pay your rent yet it's not his problem that your partner stole money he doesn't care he came to work he has to get paid so if you're a boss and you pay people's salaries you have to do everything possible to make sure to think about this stuff in advance and pay people on time never ever go to the point where you're delaying money for people it's not your problems are not their problems you know a lot of bosses for some reason they think just because they have problems that becomes the employees problems no if the employee wanted your problems guess what he would be you he would be the owner the reason why these employees are not owners is because they don't want your problems it's not just because of skills not everybody wants to be an owner being a business owner only looks good it's much much more difficult than it looks when you choose to be an employee even if you have the talent to be a boss it's because you want the convenience to know that and the Comfort to know that you're going to get paid a certain amount of money every two weeks or every week or every month whatever it is so when you delay an employee or a vendor or a customer's money you are in essence stealing every single second that you're not giving them money it's an who wants to go up to with these types of sins that you could fix in two seconds so you have to make sure you know that every two weeks you have to pay paychecks you have to make sure to do everything possible to get that money there beforehand not a delay why because think about it this this way you're thinking what's the big deal Rabbi why isem really looking for me to to to punish me all the time no no not at all is not looking to punish you but let me give you an illustration let's say you're a boss okay we have a boss and the boss says listen I'm going to pay this guy on Monday not on Friday because of whatever excuse he has cuz he doesn't think it's a big deal you know I'm on vacation I don't want to I'll just pay you when I get back to the office on Monday he do make it's a big deal the guy comes home says to his wife honey how are you listen we didn't get paid today we'll get paid on Monday now his wife is not so happy about it why because she had already certain plans for that money she had plans for that money she had to get something for the house something for the kids something for she had plans for that money she knew that you're coming home with the money she already made plans for the money she was going to spend it now there's no money she doesn't care about Monday Monday she cares the money is supposed to come today you didn't come with the money now she going to blame your boss no she's going to blame you meaning the guy didn't come with the money so she starts yelling at the husband says Ah you're good for nothing what a terrible husband you are I can't believe I married you I should have married the rich guy I should have did this should have done that she starts yelling at the guy and the kid is watching the kid the little son is watching this watching the mom insult the father says Ah see what a loser my father is his wife is yelling at him what a loser he is now what happens the kid starts losing respect for his father why because his mom is yelling at him so the next time the father says to the kid listen son can you do this this and this he goes no no go ask your friends to do it why yeah who are you if M yells at you if mommy yells at you all y you also the little kid loses respect for the Father the father when he sees his little 10-year-old kid not giving him any respect his wife is not giving him any respect the boss is not giving him any respect he becomes an alcoholic he becomes a drug user he becomes depressed why his life sucks seriously speaking prly his life's terrible his life's terrible the boss doesn't respect him the customers don't care about him his wife and Sals him and even his kid his pride and joy doesn't give him any respect he gets into a depression he starts drinking little by little ruining his life one day his wife says uh divorce I didn't want to marry an alcoholic I didn't want to marry a drug addict I'm not interested in marrying you goodbye this guy goes downhill even further now the kid the kid sees oh the parents broke up wow that's because my father is a loser that's because my mom that's because of this but where did it starts from oh it started because of the job the kid decides to lose his mind one day and just goes to his father's office shoots up the place now if you don't think this stuff is possible it almost happens once a week in America in America there's at least one shooting every week they go to schools they go to post offices they go to different places these people are crazy why are they crazy something happened along the way something happened along the way now guess what that kid murdered a bunch of people however long Down the Road 2 3 four 5 six years down the road who's that fault who's that fault the boss he started the domino effect he goes up to sh murderer what do you mean I didn't murder anybody goes look at your life look what you did you delayed the payment it led to this this this this this this domino effect ruined this guy's life why you delayed the payment because you didn't feel like paying the guy you didn't feel like paying him you wanted to delay for two days why you wanted to make an extra interest over the weekend it's very important for us to understand everything that we do will lead to something good or bad so when we are going to be in business no your decision is not just the decision this is a phone I'm going to buy a phone and the transaction ends with the phone it doesn't end that way this is a cup I'm going to buy the cup and the transaction ends with the cup it doesn't end that way in reality in reality is you bought the cup you're going to drink right you got the cup but the reality is somebody's going to make a living off of this they're going to use that money to do other things they're going to pay their bills they're going to pay for tuition they're going to do a lot of things but top on top of that someone's going to use this cup and he's going to drink from this cup a lot of stuff is going to happen in order for this for this Cup itself and for the phone and for the microphone and for all of this food everything that you do leads to something came from something and you become part of that transaction so if you become the first one to start a bad Trend you have a responsibility for what follows if you're dishonest in business and you start by not paying people on time or cheating people overcharging people and things of that nature you start a bad Trend domino effect everything that follows will have your signature on it so even if you keep Shabbat and you learn and you do and whatever you have this on your report now if this is your nature in general Shalom meaning your entire business not one transaction but every day this is it every day we cheat every day we lie every day we this if that's your whole life you have zero% chance of going to it's a good one zero there's like a z it doesn't matter if you learn and you keep Shabbat if you are a cheater in business there's a 0% chance of surviving the you know situation up there why because there's so many bad things that followed and there's just going to be blood everywhere you go so it's easier to avoid it's easier to avoid by simply thinking of things not only from your perspective but thinking of it from everybody else's perspective the customers's perspective the boss's perspective the employees perspective and most importantly from A's perspective if Hashem is watching right now which he is would he be happy and proud of me from this transaction I'm allowed to make money I'm allowed to make money I'm allowed to make a living I'm allowed to even succeed but would Hashem be happy with the way I'm succeeding would hasem be happy with the way I'm doing and conducting myself or no if Hashem is happy I could assure you everyone else in the equation will also be happy but if Hashem is not happy there's no chance in the world that everyone in the equation will be happy some may be happy because they may be better benefiting from your stealing or or this but in reality there's no way that everyone will be Happ because if you're stealing then someone is losing so first thing is the easiest way is to find out will Hashem be happy with my transaction whether it's buying selling or whatever it is you think about Hashem if you don't know the answer would hasem be happy or not you have a rabbi you call him Rabbi listen this is the transaction I have a transaction from China China wants to sell me a certain Goods they promised me to have the goods on March 1st but now they have a Corona virus and they said listen we're not going to have the goods until March 15th or whatever other month and I told them that the only way I could continue with this deal is if a uh you know if they give it to me on March 1st do I have to pay them or do I don't have to pay them guess the reality is it's not such an easy question depends what the contract is if the contract guaranteed a certain amount of date and certain things then you have to pay if not then no you don't have to pay point is you have to have a rabbi you have to have a RAB that analyzes the deal but it can't just be any Rabbi can't just be anyone that's off the street just because he has a rabbi hat he knows everything he has to know has he has to be someone that knows the laws of business you go to him you have somebody say listen Raba I need to know is my business kosher because if your business is kosher I guarantee guarantee you'll have can't guarantee you'll have a lot of money I guarantee you'll have and if you have it's more more valuable than having a lot of money because means you're going to have everything you need need but if you don't have a kosher business you'll never have and even if you have a lot of money it's worthless imagine you have a lot of money but you can't use it for anything good it's like someone that owns a food company but he has diabetes can't eat anything he looks everything delicious delicious delicious but he can't eat anything he has got diabetes M that's that's like a nightmare it's a gay he looks at all the best chefs in the world work for him they make all this delicious food but he can't eat it cuz he's got he's got a sickness that's G that's that's hell that's what having a successful business without is it's that you have all the money but you can't use it for anything good so importantly is to make sure that is happy with us if he's happy with us we verify with the rabbi that this is kosher that's it if hasm is Happy everybody else is going to be happy will continue doing what wants will continue having a a business that a can bless and that way when not going to be missing anything and you're also going to have not only the things that you need but also some things that you want anything lesss you try to the best you Canan when you get a phone call which is personal when you get anything doing the work which is personal and trying at the end of the day say okay for eight hours but really I spend so many times on the phone try the best to keep but it's not easy because first of all you you might forget okay second of all sometimes you you come home you you come to work and you're not sure 100% meaning like other days you might be able to do that job in six hours but this day you were a little bit tired so you did it in seven hours how you going to keep of right so it's my business you're right you're right 100% it's a uh in all types of businesses uh it all depends on first it depends on the boss how lenient how uh uh um gamish how you say gamish flexible how flexible is the is the owner how flexible is the owner are they you know are they so pedantic and precise that they're literally counting every minute or not second of all you yourself know your performance you yourself know performance so you got to try to do the best you can to avoid as much personal stuff during working hours uh simply because it creates it just creates complications because now at the end of the day you have to calculate you know how much time you spend on the phone how much time you do this so you have to have a designated time for breaks you have an hour a day this is my break this is why I take care of all my business if something is urgent something is urgent you got to take care of it regardless but if it's not urgent if it's just saying hello if just checking your bank account that's something you could have a designated time where you're not getting paid for that time or if he's paying you for that hour let's say he pays you for your lunch that's no problem but at least have a Clarity on when you're able to do certain things um so for example you could say listen I'm going to work uh with the guy I'm going to work um like for example sometimes I have contractors at my house or different places and uh I pay them for their lunch why because you know they need eat so even though I'm not exactly benefiting directly by them eating food and stuffing their face I'm benefiting that they're in essence going to get energy to continue finishing the job so you can tell the guy listen I'm going to work let's say eight hours a day but a half hour or an hour whatever is agreeable among you guys half hour to an hour is going to be lunch and lunch is part of the pay why because I need to survive in order to do the job so doesn't matter what you do during your lunch you eat you don't eat you call your bank account you call your wife he's paying you for that lunch that's fine fine as long as you have that Arrangement already ahead of time with the guy that he knows that even during your lunch you're going to do it so that way you won't feel like you'll have to do those things during the time where you're actually working because you know that you have a designated time that you're still getting paid but this is a time that you're allowed to do this stuff when you don't do it when you're not so precise with these things it can create complications and the reason why is because it's uh it's you don't you're not going to be you're going to forget and sometimes there's a really long long phone call or sometimes your head is not in the job and you make a mistake or sometimes you broke something because you're thinking about something else and I create complications so you got to try the best that you can to to be honest with yourself if you were the customer you got to do the best you can I mean you're not never going to be perfect but if you when you pray to Hashem you also pray for him you to help you be as honest as you possibly can be to be is to do the best you can you pray forem to help you it'll help you this is some is something to pray for because you want to be clean you want to go up to sh with Clean Hands nothing I didn't steal from anybody I didn't do anything dishonest I did my best and I I did my best not just I tried but I really did my best I took an extra effort if I took extra time I wrote it down I told them you know and I you don't have to necessarily tell the boss that you owe him 15 minutes but you make it up the next day and you try to do your best you try to do your best take a little log oh this day I took extra 15 20 minutes half hour whatever okay so I owe the boss half hour so the next day or the next week or whenever you have an opportunity you work for him an extra half hour without charging him so you try to do that but again it's it's a uh you have to be very careful because you have to be honest with yourself okay uh we have to we have another sh coming with a group of raim now so I'll see you guys later tonight we have at RAB at 8:00 uh I have no idea what it's going to be about if you guys have any specific topics you want let me know let know we'll learn more tonight [Music]