839: The Death of the Middle Class - How to Avoid Becoming a Financial Casualty

Brian Nichols  0:16  
With economic headwinds brewing and the potential for a recession on the horizon here in 2024, what strategies can you and investors implement to protect your hard earned money? Yeah, let's talk about that. Instead of focusing on winning arguments, we're teaching the basic fundamentals of sales and marketing and how we can use them to win in the world of politics, teaching you how to meet people where they're at on the issues they care about. Welcome to The Brian Nichols Show. Forelle Hey there, folks, Brian Nichols here on The Brian Nichols Show. And thank you for joining us on a for another fun filled episode. I am as always your humble host joining us here from our lovely cardio miracle studios in eastern Indiana. The Brian Nichols Show is powered by amp America very excited be part of the amp America team. And folks you won't go ahead and get the news that you need to read without all the the liberal left leaning fluff and, and nonsense head over to amp america.com. Now The Brian Nichols Show is also powered by our studio sponsor cardio miracle, but we're going to talk about that in a second. But first returning here to The Brian Nichols Show today. You know we're feeling the recession we're feeling the economic uncertainty it's around the corner. Heck, some folks are experiencing it firsthand today so to talk about all that and more from iron Hawk financial returning to the show, Joe Lombardi, what's new my friend. Live in the dream Brian excited to be here. excited to have you here and by the way for folks who are watching and listening to this episode. By the way, this is the second time as I mentioned Jasmine the show the first time Joe is in the show he was recording from the confines of his office second time he is now the confines of his home office and I got to learn Joe like yours truly as a diehard Dallas Cowboys fan which I promised the audience ahead of time we will not go into Dallas Cowboys talk a lot but we will try to focus on the topic of the conversation today finances but Joe, the Dallas Cowboys fan of the U R thank you for joining us I know it's it's tough because you're up in New England. I lived up in the Northeast there for a while as a Cowboys fan myself. So yeah, it's a it's a fun cross to bear. But Joe do us a favor. reintroduce yourself here to The Brian Nichols Show audience, Dallas Cowboys fan and all and how you found yourself in the world of personal finance and investments.

Joseph Lombardi  2:25  
Yes, I'm the owner and founder of iron Hawk financial I've been in business for 21 years, when 27 industry awards, I work with over 1600 clients over a billion dollars with protection and rollovers. When I've written three books, being your own bank, there's a better way than a 401k and long term care without long term pain, which are all available on Amazon. I've been featured in International Business Times Business Insider market insider, I was also on the cover of various magazines, the top 40, under 40 in the country through 100 ANC magazine. For those who are building construction and yeah, just you know, love, love, love helping people love love leaving people in a better financial situation after they meet with me. People have

Brian Nichols  3:09  
on people, man, it's a lovely thing. And frankly, right now that's what we need. We need more people like you who are helping really make some sense, if that's possible of the insanity that we're seeing in the world, especially we're looking at the financial markets. I know. I've talked to a bunch of friends family, you know, they have some investments, they're all over the place. But when you come to actually sitting down with them and saying how do you feel about the economic prospects not just the country but you know, your investments? How do you feel about your financial future? I get deer in the headlight look all the time, Joe, everybody's freaking out right now they have no real like understanding of where the country is heading. They don't know where to start putting their money, heck, where they should be taking their money out of now, I know. We're not trying to give any specific financial advice today to folks, but just general rules of thumb, I don't think really have have felt like general rules of thumb lately. And that's part of the problem is that folks really don't know where to turn. So Joe, you're in this world every single day. What are some of the either the red flags you're seeing or some of the way that you know trends are starting to head that your average person can at least maybe unwind this a little bit and get some semblance of what the heck is actually going on?

Joseph Lombardi  4:21  
Yeah. To me, it's looking at economic indicators, things like how the housing markets doing, we don't believe we're seeing an uptick of 20% of people that are at least three months behind on their mortgage, the car industry, we're seeing higher repos history ever. From all that free COVID money. And then people don't realize like it's a five year loan. So we're definitely seeing taxes have nowhere to go but up until $300 trillion between the US unfunded liabilities, Social Security, Medicare and us. Number three 100 trillion that's over a quarter of what that bazillion is after. There's so many zeros. Yeah, that's even seen

Brian Nichols  5:07  
the real number man like $300 trillion.

Joseph Lombardi  5:10  
Yeah, we owe 214 trillion and US unfunded liabilities, we owe 21 27 trillion Medicare 40 trillion and Social Security, and 34 trillion international debt. And when you add all that up, every working American owes $2 million each, to the Federal Reserve, if they expect it to be totally out of debt out back down to zero. So it's the taxes really have nowhere to go. But up. We know the billionaires, billionaires, even trillionaires. They're not paying any tax. They're using similar strategies that I offer, you know, the blue collar market, but it's where they're gonna get that money. There's only two options hyperinflation by devaluing our dollar, which they tried that and 2022, and the market dropped 20 points, or they have increased taxation, which is which I believe is gonna be their next next point, because well, there's nothing else they can do to get us out of this debt. They put us in? Yeah, well,

Brian Nichols  6:08  
but the inflation part you touched on, we all felt it, right. We're all feeling it right now. It's transitory, is it? But But like, let's talk about the tax part, man, because this is where I think a lot of folks are really gonna find themselves between a rock and a hard place. You're feeling the inflation, right? You're seeing all the costs of goods increase exponentially, it feels like I mean, you go back to 2019, a short five years ago, it feels like a completely different planet. And then you add on top of that, now we're gonna start increasing taxes right. Now, what does that do? Like? If you could talk about this, give us the kind of the basics. Why would someone want to increase taxes if we're trying to get revenue, when we know that that will just push the economy into more economic hardship?

Joseph Lombardi  6:57  
Do they really care when they shut down a millions and millions of small businesses but left the Walmarts and all the big box stores to exploit and steal all the revenue from the middle class, they don't care about us. We're so security number XYZ for the corporation of the United States of America, that we are enslaved, we don't care what color you are, what sex you are, what gender you are, you're all slaves. We're slaves through debt. We're slaves through taxation. So it's where the peasants of the Old Kingdom, and it doesn't matter if you make a million dollars a year and there were 10 million, technically, there's still a pattern. So you're never gonna get into the echelon of the Ultra Rich, ultra wealthy, and they built it that way. And they continuously attack us. Because to me, it's very simple, right? You have kings of Squires and the peasants, right. So the kings are the leads, they run everything. You have the squires which are, you know, good business owners have a really good income, good, good quality of life for their family, maybe they own a few bunch of real estate and other assets, near the peasants that just work for somebody clocking in clock out. And again, I don't mean to be disrespectful to anybody here. But it's just knowing what what the ultra wealthy tries to do is they try to squeeze out the squires because a bunch of squires could band together and overthrow a king. But doesn't matter how many peasants you have to get together, they'll never be able to overthrow a king. And so it's all about retention of power. It's all about control, I'm gonna put this in your body, I'm going to chop this off your body, you have to do this, or there's going to be consequences when in reality, we're all God's children. We're all placed on this earth with equal love of God, gifts of God, we all start this world equal. But what happens is through manipulation, through lies, they make you believe that you're less than like, we're just floating on this random rock in the middle of nowhere, going 600,600 66,000, which was 66 miles per hour, you know, and the world is tilted at what degree 24 hours 24 minus 9066. And like, everyone, maths is all about 666 and demonic and stuff like that. It's all about to brainwash you that you're little you're nothing you're weak, you're ignorant, and if you were ultra wealthy, would you rather control people that are super smart, or control people that are super dumb? So it's all about dumbing us down? withholding information look at like hunters laptop as an example. Hunter Biden's laptop where they suppressed and lied right to our faces for literally almost a year and everyone's like, Well, yeah, well, I made a mistake. Now the FBI now like there's no coincidences so you there's different levels of your life, spirituality, physical physicality, mentality fight, you know, financial relationships, and we have to find ways to be strong and they keep distracting us, you know, with sports and video games and social media and look at this and you're keeping up with the Joneses that we don't get the band together and it's all about division. You know, gender is just another or division. You know, it's conspiracy theory that, you know, Michael, I mean, Michelle Obama was really, you know, going to come out and pushing all this transgender and she could run for president 2030. You know, too. So we have to have all these things set up where we really have a plan in one place, and the plan in place at least financially, which is my expertise. 21 years of experience is basically trying to diversify your taxation, your market exposure, and your downside, into liquidity. You know, I've tons of clients that are just waiting, licking their chops waiting for the market to crash, because my strategies is full of liquidity, right? There's no 59 and a half year rule, there's no 10% penalty, there's no federal tax, there's no state tax, FICA, Medicare, unemployment, Social Security, tax, none of that. And the average rate of return historically, for last least 20 years, it's been 15% tax free on your money. So when the market crashes, my clients are actually gonna get 2%, which is the guarantee growth when everybody else was 50 6070 80%. So now they're able to buy everything, which is economics and finance one on one buy low sell high variable to buy everything like similar to my client did in 2008. On a bunch of Harley dealerships, he bought in at the bottom and $17 a share sold at $70 A share plus triple this money in less than a year. So that's what like a lot of my clients do, is they don't handcuffed their money to the 59 and a half, they don't have a high fee with Wall Street taking half their money. They don't have a high tax with the federal government and state taking half your money, where you're literally left with a quarter of your money. They have an account that's legally tax rape, liquid, non market correlated, or less downside protected has disability life long term care, critical illness, critical ailment, all the things you need. But what it basically allows you to do is have a neural bank. And that's what the wealthy people do. If you think that the wealthy people handcuffed their money for decades on end, when they use their money to grow their business, you're mistaken. So why are you going to why wouldn't you want to do with the winners are doing and the ultra wealthy are doing when you're doing what everybody else is doing. And unfortunately, the average person is broke, the average person is struggling, the average person can't afford a new set of tires, you're not gonna work 50% of US population can't afford a new set of tires tomorrow, if all four of their tires went and you know, so it's it's planning, you know, if you fail the plan, your plan is to fail. And it's not Oh, woe is me only make 50 60,000 a year, I have clients make 40 grand a year that are millionaires because they live on 20. And I have clients who make $500,000 a year and their net worth is negative. So it comes down to ethics, morals, education, goals, planning, that's more important than the actual income. And that's what a lot of people don't do. And they rather play the victim instead of really trying to find ways to win.

Brian Nichols  12:48  
Talk about playing the victim game, man that is that is the number one game that seems like everybody's been playing throughout history is how can we perpetually victimize ourselves. So then we can look to somebody to come in on that proverbial white horse to save the day. Right that that is really the the tried and true mentality, I think in and you mentioned, you have the upper class, right. And that's the approach they've really put on to us in the lower classes, the lower tiers, because the easier it is to control the narrative, especially from the top down, the easier it is to in that regards control those masses, because how are they getting their information? How are the masses getting all the content that they receive from the upper levels, they're the ones who are actually helping disseminate it. So when you go on to a TV show, or you go on to your you go into the newspaper, look and see what you're being fed, and understand that there's a reason you're being fed that information. So Joe, we are going to go into the next part of this conversation. I really want to talk about what's coming next market conditions and all that fun stuff. But first, we gotta go ahead and give a special shout out that is to our phenomenal studio sponsor cardio miracle no cardio miracle folks. I've been using them for about a year actually, you know, just over a year, and I gotta tell you 100% That cardio miracle difference is absolutely real. I've seen it for myself. What is the cardio miracle difference, lower blood pressure, better sleep at night better pump at the gym, and that's just what I've experienced. I've literally talked to hundreds of folks here in the audience who have been using cardio miracle and the benefits are across the board but what is nitric oxide or sorry What is cardio miracle it is an amazing supplement powered by nitric oxide. It helps improve blood flow helps increase the the size of your capillaries so you're able to not just get more blood throughout your body but also help improve your heart health across the board. So if you're looking to take part in this cardio miracle difference like yours truly and the hundreds of other folks here in The Brian Nichols Show audience head to the show notes click the link or if you're watching the video version of the show heads the description, click the link there it'll bring you to our friends over at cardio miracle use code TV and as 15% off your order and by the way, nothing to lose because you have a 100% money back guarantee. So head over to cardio miracle.com Let them know that Brian's and Jeff cardio miracle is in fact, the best heart To help supplement in the world, all right, back into the show, Joe, what's going on here? We're talking about looking at 2024. And beyond we have right now Joe Biden as our president, we have an election coming up here at the end of the year, it's gonna dictate a lot of where the country goes, but you're looking at all the data, you're seeing the writing on the wall, based on your experience, your expertise. Where are we heading? Right now I know inflation, and tax increases look to be at least you know, the standard bearer is going forward. But what other things should we be watching out for? And frankly, how should people prepare?

Joseph Lombardi  15:35  
Unfortunately, all the indicators were on track similar to 2000s, before the one crash, and 2007 before the OE crash. So if you look at like you put up the last couple of years in a graph, they they they overlap. And then so what I think there's really two alternatives, we know that most of the hedge funds and companies are woke, right. So if they're woke, that means they're more on left leaning, you know, they're going to put a transgender person on a Budweiser can and, and so on, and so on. So I can make an assumption that the ultra wealthy are usually left, there's the Democrats. So if that's the case, are they going to want to crash the economy before the election or after? So I believe they're going to try and keep the economy on stilts by just buying calls, buying calls, buying calls, buying calls, but I mean, you're talking millions and millions of dollars in calls per stock. So you're talking billions 10s of billions that they're doing to keep the economy up, economy's up. The reason why Trump was so popular is the economy the economy, stupid, right? So gas prices stupid. So when you when you take a look at it, what I think is going to happen is right before the election, they're going to keep the economy up. Everything's good. There's two hypotheticals in my opinion. One is they're going to allow Trump to win, right? The Patriots, conservatives, Republicans are going to be so happy high fiving. Yay, this is awesome. And then what are we going to do? Well, if Trump's president now we could dump all their money in the market? Well, if you do that, and what has made the market go up in the last couple of years now that people are making more money as a whole, so where's all this money coming from? It's coming from corporates from hedge funds, companies like BlackRock, Vanguard, Oppenheimer, Stacy global. So when we take a look at that, and their plan, usually they lean left, right. So if we can at least agree on that, then what do you think they would do? Right? So they're going to keep keep the market up on stilts, let Trump win. This is option one, let Trump win and then pull the rug. After maybe a month or two, once people are all excited, and like all the dumper money in the markets and real estate and everything, just Trump's president for four years, everything's gonna be great. And then they're sick of hearing. The gases was cheap. They're sick of hearing that under Trump, the the market was getting 20% a year. So the only way to shut that up that that call that most Republicans patriots conservative say, is to put Trump in a place where he's now president, and then crash the economy. And then say, look, hey, you know your savior, you know, your Magga guy, look what's happened at least Biden and 2023, the market was up 20 25%. And then Trump comes now the mark is down. 70. Are you sure this is what you guys wanted? And then we're going to play that narrative all over the news and subliminal messages, CNN, MSNBC, probably Fox too, because they're a trader, in my opinion. So you, you take a look at what what's going to happen. That's option one, right? That's sweet, poetic justice that the people in power can manipulate and control and the people that want to have a family to conserve, and want to have a business to conserve, that don't want to have be forced to take MediCal, you know, jabs, they don't want to be forced to have an open border, they don't, you know, it's they're going to punish us for thinking logically, right? That's option one. Option two is they're going to, again, rigged the election, let Biden win, because some guy in the basement can get 81 million votes more than Obama or Okay, whatever. And they're going to reveal election again, then what they're going to do is they're gonna slowly crash the market over time, and tell us they have to drop the market because inflation, you know, we have to combat inflation. So we're gonna have to have some tough times here, guys, but it's okay, we're gonna get through it. While we ultimately just keep getting richer and richer and richer, the poor the newer group of successful entrepreneurs, and they're 1520 25 years old, that would step up to build businesses, they're not going to be able to just like they're unable to buy houses right now. Right? So it's all about control manipulation at this point, they're putting it right in your face. I mean, if you want to be blind to it, go ahead. You know, it's like it's like that step mommy who the the they're her new hobbies with with their daughter and she sort of knows but doesn't want to know. And you sit there like how did you not know it's like she probably did something I read in the mirror. And that's, that's similar to where I think most Americans are. Because when you look at it, it's not fun, right? It's fearful, it's anxiety, it's, I rather just watch Netflix, or I'll just play Call of Duty, I rather just worry about what what drives someone to put my daughter and then actually worry about how to protect my family financially. So I'm just going to keep doing a taxable high feed illiquid account that's tied to the biggest casino in the world, also known as the 401k. And that's what I'm gonna keep doing and everything is fine. So the problem is, is that the wealthy people are smart, and financially, and they know that when taxes go up, when, when the market goes down, when when interest rates go up, and inflation goes up, when if you're sitting on a 401k, what happens when taxes go up, you lose more than when it's not yours happens when the market goes down, you lose because it's tied to the market. What happens when inflation interest rates go up, you lose, because when those companies do their quarterly reports, they're showing less profit than expected, and the market crashes, right? It's sell on hide buy on them. So they keep feeding us these news that may or may not be real, which, you know, mainstream media is really good for telling us the truth. So when you understand all of this, wouldn't you rather be in an asset that when taxes go up, you're fine, it's tax free, when the market goes down, you're fine, you have downside protection, when inflation interest rates go up, you're fine, you actually make more money and a few of my strategies, because it's tied to interest rates. So if you understand the logistics of it, and I have the option, which most Americans don't believe they do, to invest in something that's tax free, no, that's only a Roth IRA and I make too much, well, that's only a Roth IRA. And it's only $6,500 Max or 7000, or 7500. Mastering on your age, a year. Well, no, there's something called a rich person's Roth, there's something called Infinite Banking be your own bank, there's, there's strategies called Section 7702 of the IRS, their strategy, you can lean other assets to pull money out and do what the ultra wealthy people do. They're the same as you. That's what people understand. They put their they put their pants on the same way. They're human, just I mean, who knows if they're humans, right? But we're assuming they're humans, not reptilians. Right. So when you when you understand what's going on, you can make better decisions than just being forcefully ignorant, and saying, I'm just gonna do whatever and whatever happens happens. It's easy, I'm lazy, if the money comes out, it's fine. If my if it comes out of my paycheck, whatever, I don't miss it. It goes in some account. I won't see for decades, that's fine. I don't care. It's like, or you can take control of what God gave you. Right? So when you earn money to me, it's a blessing from God. Right? So it's like you're getting this God's gifts in God's blessings. What are you doing it you're pissing it away, you're not planning on it. And then when something happens, you cry poor boohoo go funding, I need money. When you had all that to the all the all the resources like my father did. And when Jamie Lombardi builders were like my mother did who died at 52 years old. So sliver, like my grandmother did when before she had a stroke lead to dementia lost $4.2 million dollars to a nursing home. So you you have the power to to build generational wealth for your children and grandchildren. And we are the richest place in the world. But we're also the most expensive place in the world. So we have the most options to blow our money on stupid stuff. So it's about doing the right thing and caring about your future self and not being so obsessed about your present self because there is a spell there is a brainwashing if you want something now get a credit card. If you want college, get student loans. You want a house, get a mortgage, want a car, get a car, no, who cares about your future self worry about your now self. And that lie that they keep telling us is hurting the middle class. It's hurting the blue collar and it's not going to be something sustainable, we're gonna get squeezed out and then there will be nothing but peasants and kings.

Brian Nichols  23:51  
I'm still struggling with $300 trillion in collective without debt, it's just it's what we owe unfunded

Joseph Lombardi  23:59  
liabilities, Medicare, Social Security and our national debt combined, which all can be fact checked on US debt clock.org.

Brian Nichols  24:07  
Which if you're looking for a scary movie to watch, don't watch a scary movie, just just go to the debt clock website. Just watch that that should scare the living crap out. Yeah. Joe, this sounds complicated. It sounds like I need to spend millions of dollars in order to hire someone like you to help talk and walk me through everything we need to do. So for the folks listening out there. Is that the case? Do they have to spend an arm and a leg or a jab in the arm in order to get your services? How does this work? Because this sounds like you have a plan or several different types of plans that could be enacted. But how do we do this? How does this actually work?

Joseph Lombardi  24:47  
So it's pretty simple. I've never lost a client $1 and over 20 years, I never charged the client $1 and over 20 years on five star rated on Google a plus rated on the Better Business Bureau. I've never met somebody and hurt them financially my entire career the first place they would do is complain, especially in our society, right? So what I do is very simple. You meet with me I do factfinder figuring out what you're trying to accomplish, what your goals are time horizon, you know might be too much for most people but people care about their finances, they'll make it a priority. I take your existing qualified money, your IRAs 401k Sep simples, I roll those into a fixed indexed annuity that has option contracts guaranteed you can't lose, but averaging 13 14% Over the last 10 years. With the the fact you can't lose, which is a huge feature, especially if you're older, you don't time horizon take a big loss, right. So the other strategy is the more complicated one, but it serves a greater purpose. It's building your own bank using an overfunded life insurance policy, whether it's an indexed universal, whether it's a whole life, you have to make sure it's at the right carrier, you have to make sure it's built the right way, you have to make sure the commission that people like me make isn't sky high, and then all the profits going in our pockets. So you have to be able to a work with somebody who's not greedy, where we're someone who actually cares, who has a passion, work with somebody who doesn't need your business to pay their mortgage next month. So it's it's making sure you build it correctly, making sure that it's what the right carrier at the right riders, the right structure, make sure it's non direct recognition. And I can keep going on but it's like hearing Spanish probably because most people don't understand how this works. So it's just making sure that you have somebody that will explain it to you in a way that you can understand it. Because most people on purpose, by the way, they make you they make you so ignorant that you can't make good financial decisions, and then they make you smart enough where you could just pay taxes and work. So it's designed that way so that you're like, wait, what do I do Oh, just work with Wall Street and the government and they're my friends while they're stealing 10s of 1000s if not millions from me over my life. And that's, that's my friend. That's how I want to do it. So it's very important to have somebody like me, that actually wants to do the right thing has earned the trust and respect has 1000s of clients nationwide, has over a billion with a B dollars for protection, rollovers. 127 awards, again, not trying to bet brag trying to build credibility, that you want to work with somebody like me, ranked number one in the country on the cover of magazines, like, that's the guy I would want to work with. And that's why I worked so hard to get to this point in my career. Joe

Brian Nichols  27:32  
Lombardi these conversations, I could just keep going on and on and on. But unfortunately, I looked at the clock and we're already getting around the the 30 minute mark. So with that, we're gonna go towards the tail end of our episode. And that's where we like to go towards final thoughts. And I think just to summarize my final thoughts there short today, this is a world that folks if you like me did not grow up in you know, a nice house, a nice areas, a nice area, but like we didn't really focus on this stuff, right? It was a blue collar area, you went to school, your parents went to work, it didn't really talk about finances. And by the way, I think this is another issue that maybe we can have you on again, Joe in the future talk about is the lack of financial literacy, namely, because not only do parents not know what they're talking about, because they never learned it themselves. But then they're not able to teach their kids. So this is a skill set. And frankly, it is a literacy that needs to really get back into the curriculum, if you will of life. And I think what we've seen is just far too many folks. To your point earlier. abdicate that personal responsibility. abdicate that, that personal control to the people who know better than me, the government should know better, right? Wall Street should know better. I'll just put my money into a 401k. Like you mentioned, right. That is, I guess the best way to handle this. No, that is the easy way. That is the easy button from I forget the commercials at Office Depot Office Max. Yeah, the big red button, right. Like, it's easy. That was easy. That's right. Yeah, like that. But that is exactly how I think a lot of people want to approach life. They want that proverbial easy button. But in order to live life in, I guess, really living life type of mentality. It is hard. It requires hard work. It requires focus and attention to detail and requires you going back to something we said I think two weeks ago, you have to be an active participant in your own life. You can't just sit in the sidelines and be like, Oh, my money's going away. Where's it all going? It'll be better know, pay attention look and see. Oh, it's because of inflation. Oh, it's because of high taxes. vote accordingly. That's my final thoughts. Joe, what do you have on your end?

Joseph Lombardi  29:40  
So I'm offering all of your listeners absolutely free. I'll send you all three of my books. My fourth one will be out soon. Being your own bank, there's a better way than a 401 K and long term care without long term pain. All three sent right to anybody who wants it. You don't have to pay for them on Amazon. Email Joe. directly to you just send an email to Joe Jo e at Iron Hawk financial, that's iron, like the metal Hawk like the bird financial.com Joe at Iron Hawk financial.com. Just put free books, you will not be harassed. And I'll be put on some promotional BS page where you know, you have to unsubscribe to anything. My goal is just to get the word out, because you're not taught this. And I have tons of sightings. Tons of, you know, proof of what I'm saying is legit. So you can also go to my website, www dot iron Hawk financial.com. There's a Contact Us button, you can book a meeting directly on my calendar, if it's open@calendly.com backslash, iron Hawk financial, just let me know, you know, you saw me in The Brian Nichols Show. And I can definitely help you. It's a free consultation learning about you learning about me seeing if we're a good fit for each other. And yeah, it's it's, it's something unfortunately, we all need to do, we don't want to. If you're not going to do it, no one's going to do it for you. And if you don't tell your money what to do, then the energy of the kinematic universe we live in, somebody else will control where your money goes, and it most likely won't be in your best interest. Here,

Brian Nichols  31:20  
here. Now I can hear members of the audience already starting to question your integrity there, Joe? Because they see that the Miami Dolphins jersey, do not worry. He is a diehard Dallas Cowboys fan like yours truly, that is his sons. But no, I'm just teasing, you know, just these conversations are conversations that we need to be having. And it is the sometimes tough and uncomfortable conversations that are the most important ones to have. And finances is right up there at the top of the list in terms of being uncomfortable. So if you listened to today's conversation, you got some value and you want to learn more heck, you want to go ahead and get three free resources that will help you literally just like go from zero to 100 overnight by having them and being able to read and understand that the approach that Joe is bringing to the table today in much more detail free books come on email, Joe. Joe will include that email link there in the show notes as well. With that being said, Joe that like these are conversations we're going to keep having we're going to definitely have you on the show again, because I know last time we had you on the show, I got so many emails from folks saying we needed this we needed this conversation because I don't know what I'm doing. And that right there to the person who is silently sitting, listening to this podcast in the bus, listen to the podcast at the gym, listen to the podcast while they poop, whatever it may be. I hear you. I know what you're thinking. I don't know where to start. That's okay, Joe does Joe is here to help and we're here to bring Joe to you. So you have access to people like Joe who know what they're doing and can help you as we're facing this proverbial Cliff you're in 2024. So with that being said, we are gonna go ahead and wrap things up. If you enjoyed the episode, please go ahead and share it over on your favorite social medias. And if you would be so contact yours truly at be Nichols liberty, you can find me on x.com, Facebook, Instagram, all the usuals and then for the podcast where you want to go ahead and listen to your podcast is where you can find The Brian Nichols Show. So Spotify YouTube music, Apple podcasts, I like podcasts at it, just hit subscribe, hit download all unplayed episodes, namely, because we have over 835 episodes here of the program, including our past episode here with Joe. And then also we have the video version of the show YouTube rumble, Twitter and Facebook, we are uploading the video version of the shows in their entirety over there, hit that subscribe button, hit that little notification bell and by the way, hit like and go to the comments. Let us know your thoughts like is this a world that you were completely unaware of? Or heck didn't really talk about when you were growing up? And now you're kind of facing the reality of the situation that oh, goodness, I don't know finances and we're facing economic calamity yet? If so, we want to hear about it and why do you think that you weren't taught this when you're growing up? Why do you think your parents weren't talking about that are taught taught this continue the conversation down below in the show notes Joe, that's all we have for today. Any final words of wisdom or thoughts here for the audience's wrap things up?

Joseph Lombardi  34:06  
Just don't put all your eggs in one basket. Don't be unprepared when a fire happens. You know my dad fell three stories lost everything mom died early grandma had stroke lost everything that's life. Be prepared, you know, if you fail to plan your plans to fail and don't put all your eggs in one basket and you have a way better chance like triple the probability of succeeding and that's all I want for your for your listeners.

Brian Nichols  34:29  
Um, and my man, amen. With that being said, thank you folks for joining the episode. If you again enjoy the episode, please go ahead and give it a share. And one last plug in that is to please support the folks who support us our amazing sponsors so whether it is our phenomenal studio sponsor cardio miracle or it's our other amazing sponsors like the wellness company evils CBD blood of tyrants, energy tea called Liquid freedom and more head to our homepage, Brian Nichols show.com forward slash sponsors, all of them will be found over there and make sure you use your code TBMs for your special discount applied. Other than that, folks, this has been a great conversation a great episode very, very much so in the camp of being educated, educate, enlighten and inform it educated, enlightened and informed. I think that's a good way to lead this. So with that being said, signing off for the five times Super Bowl winning Dallas Cowboys team supporting Joe Lombardi from iron handcuffs. Iron Hawk financial isn't ready to go Saudi. I've heard The Brian Nichols Show. We'll see you next time.

Transcribed by https://otter.ai