Business Podcast | Why Do 96% of Businesses Fail Within 10 Years According to Inc Magazine & What You Must Do If You Want to Succeed In Business + Celebrating the Tim Redmond Success Story

Audio Transcription

Get ready to enter the Thrivetime Show! We started from the bottom, now we’re here. We started from the bottom and we’ll show you how to get here. We started from the bottom, now we’re here. We started from the bottom, now we’re here. We started from the bottom, now we’re on the top. Teaching you the systems to get what we got. Cullen Dixon’s on the hooks, I’ve written the books. He’s bringing some wisdom and the good looks. As the father of five, that’s why I’m alive. So if you see my wife and kids, please tell them hi. It’s C and Z up on your radio. And now three, two, one, here we go. We started from the bottom, now we’re here. We started from the bottom, and that’s how you gotta get to the top. Yeah. Boom. Boom. Boom. One of the biggest things we picked up when we picked up the Thrive 15 team was an entire team. You want an SEO guy that knows things about search engine optimization? Got it. You got a website guy that’s built big websites like Garth Brooks’ website? Awesome. We have it. He’s coming in. If I had to pay for that on my own outside of Thrive15, there’s just no way. For us, one of our most immediate needs when I got connected with Clay was technology. We had a website, but I had a website in Tulsa. Our other partner had a website in Colorado. They did everything from doing a drone video Where they flew over all of our markets with the drone they integrated that into our site They built every single thing that I think of they do we do a podcast if I was gonna produce my own podcast There’s no I mean that alone Just that alone would be what I paid for it just for that But then if you add the fact that I’ve got if I need a business card design if I need a website build if I need This if I need that I know what I would pay for that if I had to go a la carte. I feel guilty sometimes. Like I don’t probably write a big enough check for the value that I get. I think there’s a lot of entrepreneurs that have ideas of what they want to do with their business, and how they want to grow, and what market they want to be in, and how they can increase production and do all this. But it’s not about having 4,000 ideas. It’s about having 12 and executing them 4,000 times. That’s the trick, in my opinion. And that’s where Thrive’s value comes in. I feel like I have my own staff, my own, I don’t know, 20 person team, that when I need something, I just go to them and it happens. JT, wouldn’t it be awesome if you could have bumper bowling for business? That would be great. That would be awesome. Think about if you had a business model that allowed you to not have a gutter ball. What? Folks, let’s do this. This is a motivational website we’re going to go to. It’s usdebtclock.org. On that client, you’re going to love this here. usdebtclock.org. It’s showing right now, according to usdebtclock.org, I don’t want you to get nauseous looking at this, okay? But right now, there’s about 9 million self-employed people in America. 9 million self-employed people in America. A lot of numbers moving around, but 9 million right here. Boom. So there’s 330 million people in America, but there’s 9 million self-employed people, which means if we had 33 million self-employed people, which we don’t, that’d be 10%. So now that we have 9 million, you kind of do the math, you go basically 3% of our population is self-employed. Again, if we had 33 million self-employed people and we don’t, that’d be 10% of our population being self-employed. We have 9 million, so we only have about 3% of our population that’s self-employed. Now according to Inc. Magazine, not to depress anybody, but according to Inc. Magazine, 96% of businesses fail within 10 years. That’s right. So we’re talking like one out of a thousand people by default are going to have success, but yet people that buy OxyFresh franchises rarely fail. In fact, people that buy franchises rarely fail. Like they fail less often. I mean, it’s almost a reverse where if 96% of businesses fail by default in the world of franchising, very few businesses fail. And I want to tap into Matt Klein’s wisdom on this. Matt Klein, why do very few franchises fail? Well, unlike a business that you start from scratch, there’s no one really mentoring you. You don’t have a checklist of items that have already been done hundreds of times that we know work, right? The trial and error of that business is yet to be had in a small business. We’re in a franchise, it’s already been had, right? We’ve already gone through the things that were worked and do not work. It doesn’t mean that we’re not continually evolving and going through problems and fixing them, but for the core business, right? What is the actual service you’re providing? That’s already set up, right? Who’s gonna be answering the phones? That’s already set up. Who’s gonna be building the websites and Google pages and Facebook and Yelp and Bing and all the other directories? That’s already set up, right? What are our taglines, right? What makes our business exciting for the customer, right? Most small businesses, when they start, they gotta figure out what their niche is. They gotta figure out what the customer’s looking for and how they can stand out from the competition and how do they actually get in front of the consumer. So, the reason that it works is because through a lot of people doing it the same way, you can get to the problems way faster than if one person is doing something, in that term, the first year, I think we had like 30 or something franchises all running Oxifresh. So we have 30 use cases happening all at the same time. We got a lot of feedback from that and then fix the things we weren’t good at. Whereas if you are doing a business Clay on your own, you’re figuring out every problem individually and then trying to figure that out on your own with nobody’s help. Now I gotta ask you this JT, you own your own business, okay? Yeah. So let’s just say you were to go over to oxifresh.com, let’s just, this isn’t a high pressure thing, okay? But let’s just suppose that a guy like you were to work your way on over to Oxifresh.com. Yep. Guy like you schedules an appointment with a guy like Matt. Yep. Guy like Matt receives requests when a guy like you looks to learn more about a franchise called Oxifresh. Like this is just a hypothetical. A guy like Matt picks up the phone, calls a guy like you and says, hey, you know, would you be, are you interested to buy a franchise? And a guy like you is like, yeah, I mean, I was on a show called the Thrive Time Show where I heard about a guy like you. So what question would you have for Max Line? If you were thinking about buying a franchise, not that you are, but if you were. Yeah, well, I guess first question obviously would be what’s the first step in this? Yeah, well, it is to fill out the form, right? So we need to just have some discussions. I need to know who you are. And when you fill out that form, it’s just gonna give me your information. It’s gonna tell me who you are, where you live, what your content info is, and I’m gonna send you a text, an email, and I’m gonna call you, and just set up a 15, 20 minute conversation. And what we’re gonna talk about there is, first, what has you looking, right? Why are you looking into a franchise? What are you currently doing now? What are some of your financial goals, right? What would tell me that you would be a good fit for this business and what have you done to do that? What are some of your faults, right? Like, and we’re just gonna walk through this. I’m gonna answer your questions about OxyFresh. And if there’s some good synergy on that first call, like your goals align with what we’re doing, right? Because I do get a lot of people that will call me and say, hey, Matt, I’ve got $30,000 and I need to make a half a million dollars this year. Right? My question to that person would be like, why do you think that makes sense? Right? And then that will eventually get to a place where their goals are a little out of line with either their capabilities or their financial standing. So we’ll talk through everything, franchise, the business function that we do, what you need to do for your franchise, marketing, cleaning system advantages. We’ll just go through that process. That will kick off our evaluation process of the franchise. Now I gotta tell you, this is a funny story and Matt, I’d love to get your thoughts on this. I won’t mention who this story is about, but this is a true story. I’m not a franchise, by the way, so here we go. A guy reaches out to me, he says, Clay Clark, I hear you have had massive success. I said, how did you hear this? He says, multiple people that I know know you’ve had success, and I know you as well, and I want you to help me to grow my business. And I said, okay, this is interesting. I said, what do you do? The guy says, I’m a consultant. And I said, it’s incredible. What kind of consulting do you do? And the guy says, I want you to teach me how to do exactly what you do. And I said, so you want me to teach you how to compete with me? And the guy says, exactly. And I said, OK, if you’re going to do that, you’ll have to sign an agreement that states that you’re going to basically license out my system, but you can’t compete with me. That’s what I, you know, because if I’m going to teach you specifically what I do, I mean, then I’d be teaching my competition. And the guy says, well, yeah, I’ll sign an agreement. Then the guy says, he says, that’s your story. He says, however, now that you’ve taught me and I’m, it’s working and I’m, I’m, I’m in a contractually binding agreement with you, you know, I want to see, can you teach all my employees too? And at that point I’m going, wait a minute. So you want me to teach you what you already did. Yeah. And now you want me to teach all your employees. He’s like, exactly. And he says, and can I office, can I rent your office for free? And I go, what, what, what’s happening? What? What? This true story. This is the kind of, I run into this kind of stuff all the time in my life. Because, you know, the business conferences, we run into so many people. And the guy says, I want you to teach me how to grow a business, which you did. You taught me consulting. Now I want you to teach my son too, because I don’t have the ability to teach him. I don’t have the time. I’m busy. And I also can’t afford an office. So can I rent your office for free? Is that cool? And I’m thinking, no, this is not cool. He’s like, no, no, no, but I’ll sign an agreement to promise I won’t compete with you. And you know, so as you’ll be able to understand this, I went into that relationship saying, you know what? If I’m gonna give you office space, I’m gonna mentor you, I’m gonna teach you, you’re gonna have to sign an agreement with me. Now, some people tell me all the time, they say, Clay, why do I have to sign an agreement to buy an Oxyfresh franchise? Why? Why can’t I just come on out to Denver, woo, fly on out there to the super weird airport? Why can’t I just fly out there to that super weird ass airport in Denver? And then why can’t Matt just teach me everything? And why do I have to sign an agreement? And I’m going, because this is a secret sauce. This is a proven system. End to end, baby. They got the marketing, the sales, the systems, they got a carpet cleaning, they use one-tenth of the water of Stanley Steamer, a call center. This is turnkey business. It’s like bumper bowling for business, baby. I mean, if you’re going to buy an Oxifresh, you’ve got to sign an agreement that says that you won’t compete. JT, does that make sense? That makes a lot of sense, yeah. But why do you think people would be asking me, why do I have to sign an agreement with Oxifresh? Because they want to just learn how to do it and then go do their own thing. That way they don’t have to pay the franchise fee. So let’s talk about how it works. Let’s go back to my situation, and we’ll go back to Matt. In my situation, I told the guy, hey, for every client you add, you have to pay me a set amount. So if you want to go add consulting clients, okay, every time you add one, you have to pay me to use my systems. There’s this flat feeble sign of the agreement. Boom. Mad oxyfresh. I buy an oxyfresh. I got to pay a fee. So if I clean a carpet today for $100, a percentage of every single sale has to go back to oxyfresh for use of those systems and for the ongoing mentoring and for the conferences you guys provide and the constant technology. Can you kind of, I mean, maybe you feel comfortable sharing this. Maybe you’re not allowed to, because it is a franchise and there is a franchise disclosure document. What kind of fees am I talking about needing to pay to you guys for the right to use your system? Yeah, so we have three fees per month. We have a royalty fee, which essentially allows us to be there for you for whatever, right? That’s going to be your coaching program in the beginning for like the first four to six months. You’re going to have an actual person that’s going to be your franchise coach. You’re going to have an onboarding team. That’s our entire management staff that’s going to just get you off the ground in the first 30 days. There’s going to be a ton of training. There’s gonna be a ton of kind of business consulting us to them. And then just moving forward, right? I mean, there’s a lot of stuff that will come up in two years from now or three years now. I mean, it’s a fully functioning business and why go through the hassle of trying to figure out everything on your own, when you can talk to a group of people like us that do it. Also, you have access to every other franchise in the system, right? Because we have people doing the exact same things, just maybe across the country, right, or maybe even like next door, and you’ll be able to ask them questions. So that $445 a month is flat fee, no matter if you 10,000, 20,000, 30,000, $100,000 a month in sales, okay? That’s your supporting backbone. We have a fee for marketing. It’s not the marketing cost in total, but you know, one of the big things about running a small business, specifically in service, is that you have to have an online presence. You have to have a website. You have to have a Google page built, and a Facebook page, and a Yelp page, and a Bing page, and all the other directions. We’re gonna build those. We’re gonna communicate those to each other. You’re never gonna have to worry about the creation or management of Google, and that’s 3% of your sales. And then the last goes to the scheduling center, the communication backbone. So as you grow your business, you start getting one call a day, and then two calls a day, and then four calls a day, and then 10 calls a day. Right, our scheduling center, which is in our home office here in Denver, and our online scheduling platform will actually take those customers, answer their questions, give them quotes and book the job. That charges $15 per completed job, not booked, not canceled, not rescheduled, it’s completed. But you are gonna charge the customer $20 via service charge to cover that fee and make $5. So it’s a pass-through fee. Pass-through fee. Now, JT, I want to ask you this. You actually, it’s kind of a unique situation because you own your own business, but you’ve also been on my payroll for multiple years now. Yep. And you recently wrote a book, and I wanted you to have an opportunity to share about your book. What’s your book all about? Why should everybody buy it? And then we’ll kind of argue with you about it. Yeah. Well, I wrote a book called What I Learned from My Millionaire Mentor and how this knowledge can launch anyone on a path to making millions. So it’s about how you have to design your life and live an intentional life and how even if you own an oxy-fresh, you still, and you can tell me if I’m wrong, but you still have to have a calendar, you still have to have a to-do list, you still have to understand how to operate as a high-functioning individual, and you have to design your life you want or you’ll live the life you don’t by default. So that’s what my book goes into and talks about, and I think it’s good for people who already own businesses, people who want to own businesses. And you got a no-brainer right now because you’re making like four bucks a book. I mean you’re making a ton of money on every book. Yeah. Every time someone buys a book, you’re killing the game. You make like four bucks. That’s how you get four bucks for a book. That’s how you get rich. So tell us about the no-brainer offer you have here. People do buy your book. Yeah, well right now if you buy your book, you, one, you get, you’re entered in for a chance to win a trip to Hawaii. A trip to Hawaii. Oh, that’s great. A chance to win a trip to Hawaii. Got it. Two, if you get an upgrade to a VIP at a business conference, you get a chance to win an upgrade to a VIP at your business conference. So you get a chance to win a VIP at one of our business conferences and you get a chance to win a trip to Hawaii. Oh yeah. And last one, you get a chance to enter in for a backstage pass at the Reawaken America tour. Oh yeah. You are sick. You are sick. Now folks, I’ll tell you this in closing here. Oxifresh is a brand I’ve known the founder of the company since college. I feel very, very good about the brand and about the system, but you’ve got to put in work because nothing works unless you do. So if you are out there today and you’re looking to buy a business that will work if you’re willing to work, go to oxyfresh.com, oxyfresh.com. And if you want to make it easier for us to track, that’d be great. You can go to thrivetimeshow.com forward slash oxyfresh, thrivetimeshow.com forward slash oxyfresh. I can type it in here. Thrivetimeshow.com forward slash oxyfresh. Matt, how much money does it cost in the final 60 seconds? What does it cost to buy an oxy fresh franchise? Yep. So our initial investment is 45,000. That includes your equipment, your products, your territory, your seven year agreement, plus the training out in Colorado. And then we want you to have about 25,000 in operating capital available to you. It could be in any form credit card. Could be in cash or whatever that is. And that will cover your operating expenses. Vehicle costs, equipment, insurance, marketing, all the things that will get you cash flow possible. Matt Klein, you’re a beautiful American. I really do appreciate your time. We’ll talk to you next week, sir. If we go back eight years ago, think about the number of clients you had back then versus the number of clients you have now. As a percentage, what has been the growth over the past eight years, do you think? We’ve got to inspire somebody out there who just doesn’t have the time to listen to our call. Well, okay, so Clay, it’s like I would go up and down from about $10,000 a month up to about $40,000, but it was up and down roller coaster. And so now we’ve got it to where we’re in excess of 100 clients. That’s awesome. And so I would have anywhere from 5 clients to 20 clients on my own with networking, but I had no control over it. I didn’t, without the systems, you’re going to be victimized by your own business. For somebody out there who struggles with math, if you would say that your average number of clients was 30 and you go to 100, as a percentage, what is that? I have doubled every year since working with you. So I’ve doubled in clients, I’ve doubled in revenue every year. That’s a hundred percent growth every year I’ve worked with. Now so, so I’m looking, we’ve been good friends seven, eight years and I’ve got doubled five times. Which is just incredible. I mean the first time you do it that’s one thing, but when you do it repeatedly, yeah I mean that’s unbelievable. We’re working our blessed assurance off this year to double. We’re planning on doubling again. We’re incorporating some new things in there to really help us do it, but we are going to double again this year. I started coaching, but it would go up and down, Clay. That’s when I came to you, as I was going up and down, and I wanted to go up and up instead of up and down. So that’s when it needed a system. So creating a system is you have nailed down specific steps that you’re gonna take no matter how you feel, no matter the results, you lean into them and you do them regardless of what’s happening. You lean into them and it will give you X number of leads, you follow up with those leads, turns into sales. Well, I tell you, if you don’t have a script and you don’t have a system, then every day is a whole new creation. You’re creating a lot of energy just to figure out what are you going to do. The best executives, Peter Drucker is a father of modern management, he said, the most effective executives make one decision a year. What you do is you make a decision, what is your system, and then you work like the Dickens to make sure you follow that system. That’s really what it’s all about. With a script here, we have a brand new gal that just came in working for us. She nailed down the script, and she’s been nailing down appointments. Usually we try to get one appointment for every 100 calls. We make 200 to 300 calls a day per rep. Right. And she’s been nailing down five and eight appointments a day. Somebody out there is having a hard time. On their script. So she’s making how many calls a day? She’s making between two and three hundred calls a day. And our relationship is weird in that we do, if someone were to buy an Apple computer today, and or let’s say about a personal computer, a PC, the computer is made by, let’s say, Dell. But then the software in the computer would be Microsoft, let’s say, or Adobe or whatever that is. So I basically make the systems and you’re like the computer and I’m like the software. It’s kind of how I would describe our relationship. Tim, I want to ask you this. You and I reconnected, I think it was in the year 2000 and, what was it, maybe 2010? Is that right? 2011 maybe? Or maybe further down the road. Maybe 2013? 2012. Okay, so 2012. And at that time I was five years removed from the DJ business. And you were how many years removed from tax and accounting software? It was about 10, 11 years. We met… How did we meet? What was the first interaction? There was some interaction where you and I first connected. I just remember that somehow you and I went to Hideaway Pizza. But do you remember when we first reconnected? Yeah, well, we had that speaking thing that… Oh, there it was! So it’s Victory Christian Center. I was speaking there. My name is Robert Redmond. I actually first met Clay almost three years ago to the day. I don’t know if he remembers it or not, but I wasn’t working with him at the time. I asked to see him and just ask him some questions to help, you know, direct my life to get some mentorship, but I’ve been working with Clay for now just over a year. The role I play here is a business coach, business consultant. I work with different businesses implementing best practice processes and systems that I have learned here by working with Clay and the experience working here has, to put it real plainly, has been just life-changing. I have not only learned new things and have gained new knowledge, but I have gained a whole new mindset that I believe wherever I end up will serve me well throughout the rest of my life. Since working with Clay, I have learned so much. I mean, I would like to say it was everything about about business in terms of the different categories. I don’t learn it all, but I’ve learned all about marketing. I’ve learned about advertising. I’ve learned about branding. I’ve learned how to create a sales process for organizations in any industry. I’ve learned how to sell. I’ve learned how to create repeatable systems and processes and hold people accountable. You know how to hire people. It’s almost like every aspect of a business you can learn. I have learned a lot in those different categories. And then again, the mindset that I’ve gained here has been huge. You know, working here you can’t be a mediocre person. You are a call to a higher standard of excellence, and then as you’re called to that standard here, you begin to see those outcomes in every area of your life, that standard of excellence that you want to implement no matter what you’re involved in. I would like to describe the other people that work with Clay are people that are going somewhere with their life. Marshall in the group interview talks about how the best fits for this organization are the people that are goal-oriented. So they’re on their own trajectory and we’re on our own trajectory. And the best fits are those people where there can be a mutually beneficial relationship that as we pursue our goals and we help the business pursue those goals. The business helps us pursue our goals as well. And so I’d say people that are driven, people that want to make something of their lives, people that are goal-oriented, they’re focused, and they’re committed to overcoming any adversity that may come their way. Clay’s passion for helping business owners grow their businesses is, it’s unique in that I don’t know if there’s anyone else that can be as passionate. You know whenever a business starts working with Clay it’s almost as like Clay is running that business in the sense that he has something at stake. You know he’s just serving them. They’re one of his clients, but it’s as if he is actively involved in the business. Whenever they have a win, he’s posting it all over his social media. He’s shouting it across the room here at Thrive. He’s sending people encouraging messages. He can be that life coach and business coach in terms of being that motivator and that champion for people’s businesses. It’s again unique because there’s no one else I’ve seen get so excited about and passionate about other people’s businesses. The kind of people that wouldn’t like working with Clay are people that are satisfied with with mediocrity, people that want to get through life by just doing enough, by just getting by, people who are not looking to develop themselves, people who are not coachable, people who think that they know it all and they’re unwilling to change. I would say those are the type of people, in short, anyone that’s content with mediocrity would not like working with Clay. So if you’re meeting Clay for the first time, the advice I’d give you is definitely come ready to take tons of notes. Every time Clay speaks, he gives you a wealth of knowledge that you don’t want to miss. I remember the first time that I met Clay. I literally carried a notebook with me all around. I was looking at this notebook the other day, actually. I carried a notebook with me all around and I just took tons of notes. I filled the entire notebook in about three or four months just from being around Clay, following him, and learning from him. And then I would say come coachable. Be open to learning something new. Be open to challenging yourself. Be open to learning and adjusting parts about you that need to be adjusted. All right, JT, so hypothetically, in your mind, what is the purpose of having a business? To get you to your goals. So it’s a vehicle to get you to your destination. And would you need profits to get there? I mean, when you have a business that’s successful, in your expert opinion, would you need profits to get you to your goals? Yeah, because if you have a $15 million business, but you have $15 million of expenses. It’s kind of pointless. Holy crap All right so the question I would have here for you if you could take like 10 minutes or less and see if you could save 3,000 bucks a year by reducing your credit card fees. Would you do it? Yes, absolutely. Oh Why would somebody out there who’s listening right now who has a sane mind why would they not go to Thrivetimeshow.com forward slash credit dash card Thrivetimeshow.com forward slash credit dash card to schedule a ten minute consultation to see if they can reduce their credit card fees by at least three thousand bucks a year? Why would they not do it? Yeah, why would they not do it? Um, maybe because they don’t understand how you set the website. This tree is a symbol of the spirit of the Griswold family Christmas. Now that’s clear. Okay, so that can be true. So I encourage everybody to check out Thrivetimeshow.com forward slash credit dash card. Thrivetimeshow.com forward slash credit dash card. What would be another reason why someone would not be willing to take 10 minutes to compare rates to see if they could save $3,000 or more on credit card fees? Maybe they think it is a waste of time and that it won’t. It’s not possible. There’s somebody out there that’s making more than $3,000 every 10 minutes and they’re like nah that’s not worth my time. We getting there, right buddy? We getting there, right buddy? There’s probably some someone out there. Okay. They would think that. Well I’ll just tell you folks if you’re out there today and you’re making less than $3,000 per 10 minutes I would highly recommend that you go to thrive timeshow.com forward slash credit dash hard. Because you can compare rates, you can save money, and you know the big goal in my opinion of building a business is to create time freedom and financial freedom. And in order to do that you have to maximize your profits. Holy crap. Now one way to maximize your profits is to increase your revenue. Another way to do it is to decrease your expenses. It’s a profit deal. It takes the pressure off. JT, is there any other reason why somebody would not be willing to take 10 minutes to compare rates to see if they could save a total of $3,000 a year on average? I am at a loss and I cannot think of any other. Shampoo is better. I go on first and clean the hair conditioner is better I leave the hair silky and smooth oh really fool really stop looking at me swan let me tell you a good story here real quick here I actually years ago compared rates with this company here called IPS, it’s Integrated Payment Services, and I scheduled a consultation, I don’t know if I was skeptical, I just thought whatever, I’ll take 10 minutes, I’ll compare rates. I can’t tell. You can tell me I’m a doctor. No, I mean I’m just not sure. Why can’t you take a guess? Well, not for another two hours. You can’t take a guess for another two hours? And in my case, in my particular case, I save over $20,000 a year. Holy crap! Wow. Which is, uh, you know, like, uh, groceries when my wife goes to the organic stores. Find everything you need today? Yeah. Great. Okay. Oh, God. Everything okay, ma’am? It’s just that you’ve only scanned a few items and it’s already 60 bucks. I’m so scared. Okay, I’m a trained professional, ma’am. I’ve scanned a lot of groceries. I need you to stay with me. It’s just that my in-laws are in town and they want a charcuterie board. This isn’t gonna be easy, so I need you to be brave, all right? What’s your name? Patricia. Patricia, all right. I need you to take a deep breath. We’re about to do the cheese. You know, that’s the difference between eating organic and not organic. So because my wife eats organic, I had to take the 10 minutes needed to compare rates to save the $20,000 a year on credit card fees just for one of my companies. One question, what’s the brand name of the clock? The brand name of the clock, Rod, do we have it? The brand name of the clock, it’s an elegant, from Ridgway, it’s from Ridgway. Let’s buy the clock and sell the fireplace. I encourage everybody out there, go to thrivetimeshow.com forward slash credit dash card. You schedule a free consultation, request information. A member of our team will call you. They’ll schedule a free consultation. It should take you 10 minutes or less. And they’re going to compare rates and see if they can’t save you more than $3,000 a year off of your credit card processing. You were hoping what? I wouldn’t owe you money at the end of the day. No, you don’t owe us money. Because at the end of the day, at the end of the day, the goal of the business is to create time, freedom, and financial freedom. In order to do that, you need to create additional profits. you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you you Thank you.