A high salary does not often correlate to high net worth.
Although most doctors can generate an upper income wage, why does it seem a lot of physicians struggle when it comes to finance?
I posed these questions and more to Ben Lonsdale and Rod Zabriskie, part of the wealth strategic team known as Money Insights. Since they primarily work with health care professionals, they shared their experience working with doctors, and identified common mistakes and misconceptions.
They also shared the same strategies the rich have been using for generations, to preserve wealth, minimize taxes, and diversify through sound stable investments.
After my interview, I’m a firm believer any doctor can retire comfortably, even if you are first starting out , with lots of debt, and few assets. Whether you are starting a business, saving money for college, or planning early retirement, It all comes down to placing a priority in your financial education. What’s your next move?
More Assets = More Multiple Streams of Income = More Financial Stability
LINK MENTIONED:
Get their Wealth Optimizer White Paper and/or to schedule a free consultation HERE
RAW TRANSCRIPT
Dr. Mike Woo-Ming
So we’ve got a real cool treat for us today: I’ve got two guests on for the price of one. And I know we talk a lot about entrepreneurship and building your own business. And I’ve been talking to a lot of doctors, my fellow colleagues, about just revenue generation and they want to get started with a business but of course, they’re also concerned about, you know, spending time away from their family and starting up a business because…and I’m the first to admit it, not everybody is cut out to be an entrepreneur. But the great thing about being a doctor or one of the great things is obviously, we generally have a higher income. But when I speak to a lot of doctors, and when it comes time to investing our finances, about where they’re putting in their money, often times some of the things that they invested, let’s just say it might not be the most healthiest of vehicles. In fact, I had a friend who was a physician, finance in financial advisor, and she came up to me once he said, I’m done with working with doctors, because they don’t listen to what I have to say. And I say, “Hmm. that sounds like most of my friends.” Well, here’s the good thing guys is I’ve got two gentlemen here who love working with doctors and especially when it comes to investing and some of the things that they have here are some really interesting alternative vehicles that you may or may not be familiar with. So I did my research and I got a hold of these guys. And they’ve got something that I think would be very interesting to share with you. So, I’ve got on the program here, we’ve got Rod and Ben, and they’re from Money Insights. And they have, they specifically work with doctors and helping them move from high income to high net worth. So I’m going to learn all about this here. And they talk about other physician challenges that they’ve had since they almost exclusively work with physicians. I know they also work with dentists and other, you know, high net worth individuals, but because this is their niche, they understand us. Which I was surprised because… Often times, I think, you know, I say we need to have another doctor to help us with that. So I’m not gonna prolong it any further. Ryan and Ben, thank you for joining me on the program today.
Ben Lonsdale
Thanks for having us.
Rod Zabriskie
Absolutely.
Dr. Mike Woo-Ming
All right, guys. So let’s talk about Money Insight. So I’m looking for good insights here. But first and foremost, can you guys talk about how Money Insights came to be.
Rod Zabriskie
Yeah, so Money Insights. It’s been a road for us. And so myself and my partner Christian Allen started money insights, maybe five, six years ago. And it really was born from this, this need for different ways of doing things. Right. I think the thing that we run into so much is people who have been fed the traditional lines of, you know, investing and 401ks and things like that. And, and we’re not here to say that there’s no role for those things. But what we find is that there are a lot of people out there who want more, who don’t feel like they’re getting what the, you know, with what they’ve been sold on, on that side of things. And so when it comes to investing and moving into more of what we call “alternative investments,” real estate businesses. notes, cashflow investment types of things. We just need a lot of people who are doing that, and for obvious reasons, right, but one of those is to be able to replace their income with cash flow from, you know, different sources and kind of putting their their future in their own hands, so to speak. Having the independence or at least the ability to to become as independent as they want. And so there’s that dream out there, but then there are maybe some roadblocks to getting there. And so some of the strategies that we have, and we’ll talk about today are very specific to smoothing out that road in that world of alternative investing.
Dr. Mike Woo-Ming
Yeah, you have what’s called the Investment Optimizer. So I’m really curious about what that is. But like you said, you know, most of us know about, hey, most of the doctors that I know they generally work as an employee for some time. And maybe they’ll meet with somebody who is from the organization saying, “here is their 401k plan, this is what you can do,” maybe you got a choice to like, you know, decide if you want to be more aggressive or not aggressive, whatever it is, you end up just signing something and then it’s gone. And then you don’t hear from them. And then you just hope, you know, that it improves. But you know, as we know, lately, especially, you know, as the, I’m recording this, we’re still you know, hopefully we’re getting out of the pandemic, but a lot of people trusted that guy who is having them sign up for that. 401k. I mean, I know personally, my mother who is probably healthier, she’s retired, she says, I just lost 20 or 30% of my 401k this last spring. So what I like about what you guys do is you have a wide variety of different vehicles that you can go into, I mean, I’m all about multiple streams of income on my podcast about different ways of generating income. At least, you know, if you put all your eggs in one basket like, say, the stock market, you know, throw other eggs that you have, so to speak. So let’s just talk about what is this “investment optimizer strategy” and how to help others build wealth?
Ben Lonsdale
Yeah. So really what you know, focusing specifically on the investment optimizer, it’s really for, you know, those physicians and those people that that are in your audience. People that are saying, “Hey, I recognize that I need to take control of my financial future. I need to dive in. I need to learn about this. I need to specifically take action and improve my own education around these types of things. And then we really then help them put that money in specifically for this strategy to improve all the investments and actually create a secure, predictable foundation where they can build their opportunity fund. So it’s predictable. It’s tax free. You know, It has protection from creditors and litigation. It’s a powerful Opportunity Fund that also provides a death benefit that they can provide for their legacy that they don’t have to pay for in any other way. And so there’s just a lot of benefits, where they can use this to improve their other investments. They’ll understand this strategy completely. And then also to be able to have all these benefits by putting their money into this very powerful Opportunity Fund.
Dr. Mike Woo-Ming
Let’s talk about good, this is really cool, but let’s look at money. It’s so it’s in terms of why you guys wanted to work with physicians. I mean, I know Yeah, they’re generally a high net worth, but I’m sure there are other things that attracted you to working with this audience.
Rod Zabriskie
Yeah, I would say that it was kind of like we were traveling down a road. And then a lot of these positions that we work with, we’re traveling down the road, and we just we just met so that’s I kind of talked through the evolution of of how money insights came to be and doing what we do now. And we just met a lot of physicians that were, again tired of just relying on Wall Street to make things happen and getting into investing in real estate and a lot of it’s natural, right? A surgeon, being a partial owner in the surgical center. For example, the dentist who owns his belt, right? So a lot of that’s natural, and yet again, even beyond that, looking for other opportunities to be in this cash flow investing space. And so more and more as we as we met up with them and introduced the solutions that we bring to the table, there’s just was a really natural synergy that existed.
Dr. Mike Woo-Ming
Very, very cool. Now, I know guys, you’ve talked about different vehicles that you have access to. I know for some it does require you to have a significant net worth, I think they call it an accredited investor? I believe that’s that’s the term. But why is it that that’s important? In terms of, of this? I guess from what I gathered, there are only so many types of investments that are at least it opens up a lot of investments based upon your net worth. Is that correct?
Rod Zabriskie
Right. It does. It does. And really the the whole kind of label of an accredited investor has just has a lot to do with the way that specific investments are regulated. So I think the assumption is that higher income people, maybe the assumption is they can afford to lose, right if they make a bad investment choice. And so, you know, the SEC or, you know, the FINRA doesn’t have to be as as looking over their shoulders as if, you know, they do for more for middle America. But when it comes to, you know, the types of real estate type for example, syndications is one category of investments that they would have to be accredited to work with certain operators out there who, who put their deals together. And as long as you’re working with the right operators, then you know, they’re they’re still providing the same level of information about the investment the property the way it’s set up, as it would be, you know, if it was subject to the regulator’s, but really, it puts the, the responsibility where it should be, and that is on the shoulders of the investor so that, that you’re not taking too much for granted as you as you approach and are and want to invest in, in that type of vehicle. But it’s, again, it puts it gives you opportunities that not just anyone can can have access to that, that’s put you know, for higher income individuals.
Dr. Mike Woo-Ming
And what I like about what you guys are is, is you guys have a conversation with these doctors, especially if those are saying, “Hey, you know what, I don’t know if I am… I don’t know, if I qualify,” you kind of help them through the process to determine what is, if it is, and if not, you know, and they can help determine what’s the best path for them. Is that right?
Rod Zabriskie
Yeah, and I would say, especially as it relates to the investment optimizer, our whole thing is, is not not as much to, to tell someone what they should be investing in, or how they should approach investing. But really, to take that person and, and their experience and where they’ve come from and the kinds of things that they’re interested in doing. And then we’re going to custom tailor that strategy to the individual and really to where, where they want to go we’ll understand their objectives. And then help them get on a path and and quite honestly, we’re not the people who are providing the syndications or things like that. What we primarily do is build systems and, and processes around that investing to just to make it better to get allow them to earn to make more out of what they’re doing with those investments.
Dr. Mike Woo-Ming
I love that especially as someone who was approached by these financial investors, when I was graduating residency. It really had me wary because, you know, they were basically telling me what fund they want me to be in. I’m sure they had an ulterior motive at least in this aggressive fund, whatever it is there was and what I like about it, what you just said is you’re just letting them know what is available. And I think a lot of a lot of the problem is is just education. The information that’s out there and what is available.
Rod Zabriskie
I think to the individual often has things that are at their disposal that we wouldn’t even at their disposal that we wouldn’t even know about. So for example, again, the surgeon who could be buying into the surgical center, and obviously, that’s something that’s just accessible to that person because of who he or she is, and just what they’re doing. We see that a lot. And so again, we’re not trying to take responsibility for the actual investment piece, as much as what our role is, is to, to enhance that investing that they are and will be doing. They’re gonna do it either way and let’s just build a process in the system around them.
Dr. Mike Woo-Ming
Very cool. So you mentioned different types of vehicles that you guys have access to or help educate us about. One of them is, in real estate, and another one is in life insurance. And I know and no offense guys, but I know some, some are listening on this program and they hear “Life Insurance,” and it conjures up some things in their head could be positive, it could be negative, I’m probably telling you something you haven’t heard for. So let’s just talk about it. Maybe you can kind of educate us about life insurance and why that’s important to use as a vehicle in terms of growing and protecting your wealth.
Rod Zabriskie
That’s a great question. You’re right. We do hear it all the time. Up to this point, we’ve been talking about the investment optimizer, and other strategies that we use when we’re actually using whole life in doing that, and again, like you said, typically, when people hear whole life it’s not really great things that that are being spoken up. I would agree in the sense of the, the traditional whole life policy you might get from the agent down the street.
Dr. Mike Woo-Ming
You’re probably listening to Dave Ramsey, no offense. To use a big megaphone, and you know, he’s one of the out there just stamping his whole life insurance. So I’d love to hear your perspective on this.
Rod Zabriskie
Sure. Yeah. No, he and others as well. And I think what’s the consistency among those people who, who tend to kind of gurus out there that speak against it. They fit into that category of what I was talking about earlier. It’s Wall Street, right? So in terms of, “Well, if you ask him or some of these other gurus, where should I be investing? Well, they say you should be in Wall Street, and you should be doing these things.” And the challenges that when you throw a blanket over everybody and say, “This is what everybody should be doing.” The challenge is that’s not it doesn’t fit really well. And so again, you asked asked earlier about how why have we come to just work a lot with physicians. And that’s one of the reasons why is is because we’re not on that regular path. Right. And so why Whole Life Insurance? And to begin with what we’re doing in the way that we built the insurance policy is very different than what Dave Ramsey and those others are talking about. And so to begin with the it’s just a it’s a different starting point for the conversation because in other words, if you went down to a local agent and you said, Okay, I want life insurance, then they would say, Okay, well, what do you want term whole life or whatever? Right. Whereas in our case, what we’re doing is, is we’re talking about investing, and specifically cashflow investing. And what can we do to improve that opportunity fund that Ben talked about a minute ago? Because there are just some natural inefficiencies that exist and in saving up money to go out and invest in real estate, for example, and once you invest, then it starts kicking off some cash flow and and where do I put that cash flow while I’m waiting and building up to it to go back out and do it again. And so that’s where the, the whole idea of using whole life in this context: That’s the starting point for our conversation. Our whole idea when we, when we build these whole life policies, is to minimize costs and maximize growth of the cash value inside of it. We want to take advantage of those benefits, the facts that have grown, the fact that it goes tax free, it can continue to grow even while we’re investing with it. And we’ll probably get into some more detail here in a minute about that, but it just provides some unique characteristics that we can’t get with anything else. And so, we use it and it becomes a critical piece for our clients in the course of investing in real estate and other things.
Dr. Mike Woo-Ming
And I understand that it’s not just every insurance company has this you work with specific insurance companies that that give you this benefit. You wanna talk a bit more about that?
Ben Lonsdale
Yeah. So, we actually, you know, we’re a broker so we can work with almost any insurance company we want. So, we have our choice. And so, we do is we really break them up into into really two different criteria that they have to meet. So, the first criteria: They have to be extremely financially strong, they have to be a rated right these are these are really strong companies. These insurance companies are also what are called Mutual Insurance companies. That means that they are looking to benefit the policyholders. Right. And that’s why, you know, these policies pay a 4% and then they also pay a dividend, you know, to those that have policies with them, which helps grow that cash value tax free. And then also, these companies are really consistent, you know, they’ve been paying these dividends for over 150 years. So once we once we look at that, we really whittle it down to maybe eight or 10 companies. And then at that point, then Rod and Kristen and I… we go in and we look at the different kinds of policies they have. And do these policies meet the kind of criteria that our clients need, who are actively investing. So are they very efficient? Do they have extremely low cost? Is the capital growing pretty aggressively over time? And are they very liquid? So so it is it’s really important to be able to pick the right company and then also to have it be structured correctly like Rod talked about, that’s completely completely different than what you know people have seen or heard about in the past. So good question.
Dr. Mike Woo-Ming
I know with insurance companies and I get this you know, a lot of times you… I know this is this is comparing things, but let’s say like, and he In California, we’ve got earthquake insurance, okay. And so you pay for this type of insurance. But then if you read the fine print, you know, you don’t get any type of credit protection in terms of like if, “we’ll pay out as long as this, this, and this occurs,” and it never fulfills the criteria. So a lot of times when we’re investing in it, we don’t know if our credit is being protected. From what I understand, that is something that you really strive for when you’re looking at these companies to make sure that we’re protected correct.
Ben Lonsdale
Yeah, so I would clarify that to say that the the actual idea of cash value life insurance being creditor protected, it exists really at the state level. And so each of the states has laws on the books, that allows cash value life insurance to be protected. Now, I will say that it differs from state to state that are states that would protect 100% of what you have in your cash value, no matter how large that policy is, right, you can have millions in that cash value of your policy and it’ll be protected. And then there are other states who have less protection, they’ll put limits on its or their things like that. So what we do is we just understand at the state level where that protect protection exists. But either way, even if it’s not written in and, you know, protected by code, there are ways that we can, put wrappers around it to make sure that it is protected. Because at the end of the day, like you said, the insurance… in this case, it’s really easy to know whether the insurance is going to pay out or not, right, that person’s either dead or they’re not. So it’s a little more clear cut, but, but even from the standpoint of that kind of creditor protection of the cash value, it’s important that the Opportunity Fund is not only efficient and growing and tax free and those things but that it’s there when you’re ready for it. So that becomes a big piece if, you know a lot of you, I’m sure are concerned about lawsuits and kind of this this target you have on your back so to speak. This can become a piece where where you don’t have to worry as much about it being accessible to frivolous lawsuits or creditors.
Dr. Mike Woo-Ming
Yeah, definitely you want you want peace of min. When you are in this arena, they do look for the ones who have the bigger pockets. So yeah, yes, it’s good to hear that. So, before we got on the call, you said you guys said something that was really interesting to me… I’m all about letting your money work, work for you, and you brought up something where you say you can create value in two places using the same dollar at the same time. Maybe you can kind of clarify that to me? What do you mean by that creating value in two places?
Ben Lonsdale
We have a lot of resources on our website, we have lots of great webinars on our website. So they were we can dive into that more. And we’ll talk about, that website and URL today. But to kind of break it down for you in a really basic way is where as you put money into that Opportunity Fund in the policy, you’re gonna, you’re gonna grow basically this bucket. And when it’s time to then utilize that money to make an investment, you’re not going to ever move that money, you’re going to use the insurance company’s general fund. And so you’re going to use their money using leverage, your money stays in that original policy continued to grow compounding, but then you’re going to be able to then put it into another investment, where it will also spin off a return. And then like Rod mentioned earlier, as that cash flows back, you’re going to funnel it back into the policy, and then you know, you’re going to re up, and then you’re going to deploy it again. And so that’s how that money really in two places at once. works. We get asked about this. It almost sounds like magic when you say it, right. But again, it’s the whole idea is, it’s leverage, right? So if you think about the whole idea, you know, if I own my home, right now, I want to take a HELOC against my home and take that money and maybe go buy a rental property with it. I’m creating value in multiple places using that and so it’s, so this is just fits into that same category. Like Ben said, I have my account, I’ve built up some value into it. I’m going to take a loan against it, use those funds to go and invest. And then as I’m funneling that money back, then as I’m creating that cash flow from that investment, I am quite literally creating value in multiple places at the same time.
Dr. Mike Woo-Ming
So let me drill down guys, because I want to get some specific for our listeners, you talked about investing. How exactly do they use these policies as an investment vehicle?
Yeah, it’s a great question. We have clients that across the gamut so we’ve talked about real estate, right? Physical real estate, rental properties, commercial properties syndications. We also have people who are investing in their own business using these policies. So for example, a physician who needs to buy a piece of equipment, using a loan from the policy against the policy to go and do that that’s creating additional value inside of their business, right. or investing in somebody else’s business, right, these these opportunities come up and, and again, by doing that creating cash flow hard money lenders who, you know, have people approached them for loans and, you know, loaning the money out at, say 810 12%. This is a great way to facilitate that as well. So when we talk about an opportunity fund for investing, it can really fit anything you want, right? There’s no there are there is no limitation as to what you could use it for. But those are examples of the types of investments that people that our clients we see using the the investment optimizer for.
Dr. Mike Woo-Ming
Very cool, very cool. Now I’m going to take myself back a few years. I tend to do this as you guys are talking. When I was in chemistry, I learned that there were different forms… bear with me, guys, different forms of, I guess, chemical. So you had a gas, you had solids and you had liquids. And I thought those were the three things you had. But then when I realized when I talked with investors, they said oh you know, this is liquid you… No, I was liquid. And then when I found out is there different forms of liquidity that I wasn’t familiar with so mentioned, I think, Ben, you had mentioned that, you know, that the investment vehicles are liquid, you know, I know about our savings and our check. You were able to get money easily that we can find alternative deals. So how liquid is liquid some of these deals?
Ben Lonsdale
No, that’s a great question. And great example. Is it liquid or is it more of, or is it more jello?
Dr. Mike Woo-Ming
Is it fleshy or is jelly?
Ben Lonsdale
And in this case, in this case, it is it’s liquid, it’s, it’s liquid, and it’s available. And, you know, it’s available to these to these investors. And, in fact, you know, in the fact that it is so liquid and it’s available to them as easy as a phone call, you know, we can even, you know, facilitate, they can call us and they get that they get that capital in a matter of days. And not only that, There’s no underwriting process. There’s no amortization schedule, they have complete access to that money. And then they have complete control of it, once it comes from the insurance company to them. And, in fact, in in one of our webinars they can see on our website, is we actually show a comparison between, “Hey, what if I put my money into a savings account? Or if I put it into this opportunity, you know, the investment opportunity optimizer Opportunity Fund, and what would that look like, over time as I made, you know, investments?” And the difference is pretty it’s pretty substantial. And so yeah, we invite you know, invite your, your your listeners to look at that, watch that webinar, because it would surprise them.
Dr. Mike Woo-Ming
Guys, this has been great, you know, as you can tell, you know, these guys are pretty laid back there. I thought I was laid back… But Ben you’re almost comatose! *laughter* What I like about it you know it’s different than I know most of at least for me… Sometimes when I deal with financial planning I you know, I talked about it it was more about them trying to get me and persuading me to use something that I didn’t really know a lot about and unfortunately there are people out there who kind of pray for doctors knowing that you know, they make income and they try to get them into some type of vehicle that sounds sexy and but you don’t really understand it, you know, we’re not talking about some Bitcoin/CBD vehicle that I’m sure many of us have been have been exposed to. Just solid things that just work over time, you know, paying out dividends, year after year, this is what they they have to provide for you. How do they work with you?
Ben Lonsdale
Sure, and I would say that our, our process is very much education oriented. We’ve talked about the webinars that we have, and things like that. And so we do really try to get the information in the hands of people so that they can first of all understand it. And then once they, once they see kind of what it is and and want to have that conversation, then we’ll get on a call and talk through and like I said earlier, it’s all about understanding their objectives, and building a system around that person and their family and the goals and those kinds of things. So that with whatever investing that they are going to do anyway, that we can just build something that helps them do things, you know, a lot better, a lot more efficiently. And so, so we’ll engage in conversations will will send additional content, like Ben said, webinars and or or white papers or or whatever… it puts them in a position where they can learn, because it’s important not just to understand in terms of deciding whether or not they want to have an investment optimizer, you know, strategy and use it, but how to use it, right? be in a position where, where when they are out there, analyzing deals and putting things together and making things happen, that it becomes a core piece of what they’re doing. And so that’s our goal, from an educational standpoint, is to empower that level of understanding so that it becomes a tool that they can use and just make things better along the way.
Dr. Mike Woo-Ming
Right. So if you guys want to get started with it, we do have a URL where you can go to you guys have that.
Ben Lonsdale
Yeah, it’s moneyinsights.net/bootstrapMD and we built this site. So it just has a lot of education has that white paper that Rod talked about, and this white paper in the end in these webinars, we really dive into the details so they can actually really understand a little bit more, a little bit more of a deeper dive about our strategies. And then also on that site, they can also set up just a totally, laid back, no commitment, consultation with with Roger and I to just go over what their goals are and how this would fit into that. So yeah, and again, that’s moneyinsights.net/bootstrapMD
Dr. Mike Woo-Ming
You guys this has been an education and I really appreciate it because I know for many of us I know specifically, you know, for myself and just talking to colleagues, we get no information education on financial literacy, literacy. You know, I have my own practice, I had to learn business and on my own school of hard knocks, and then in terms of finance There’s I mean, this is not just just pertaining to medical students, I mean, college in general, you know, my son just graduated college, nothing in terms of different types of vehicles, even the simple things like, you know, 401k and savings and things like that, you know, little or none, you they get that and you know, it’s unfortunate many people are still in this country, working paycheck to paycheck. We know, what’s going on, especially with the pandemic, even things like for doctors, where they’ve lost their income, because it couldn’t keep the hospitals they were shutting down the hospitals from that allowing them to do elective surgeries. Did you want to say something before we end the call today?
Ben Lonsdale
We’re just grateful to have had the chance to visit with you. Thank grateful for your interest and just, you know, in terms of spreading the word and and helping Is this physicians because we understand I mean, there, there are unique challenges that physicians face in terms of, you know, getting started late and feeling this pressure to, to make up for lost time. And unfortunately, it often turns into taking undue risk and and you know, misplacing some of that. And so we don’t want to see that we want to be an advocate and a resource to, to help people to, to, you know, do it the right way to the best way possible. And not put as much emphasis on, you know, the, the return and that kind of thing, but by creating streams of income and things like that, that’s, that’s gonna allow you to get ahead a lot more quickly and a lot further than then if you just just focus exclusively on that return.
Dr. Mike Woo-Ming
One thing I did want to mention too, is because I know people are listening to this, you know that it sounds great, but I’ve gotten better school loans. I got to worry about how I’m dealing with that. But you guys work with doctors? You You, you kind of know that most doctors have medical school loans as you know this right? Correct.
Ben Lonsdale
Yeah. Oh, yeah, absolutely. So we see that and you don’t ignore it, right? We don’t pretend like it doesn’t exist, you just build it into the system and, and build a process around all of the factors, right, the whole idea of, “Hey, we need to build toward retirement.” But don’t forget, we have these these student loans that we need to make sure we take care of as well. And so just just understanding the pieces and and putting together something that is all inclusive and and takes everything into account.
Dr. Mike Woo-Ming
Yep. Off the broad Ben, thank you for your time. Again, guys. The website to go to is moneyinsights.net/bootstrapMD. Once you go there, you’ll get access to the white paper people to watch webinars and then you could set up a consultation with Rod or Ben, you could choose which one you like better I guess! *laughter* These guys know their stuff, they work with docks they understand us and just helping you you know, that’s what this reason I do this podcast is yes, helping other doctors realizing that there is light at the end of the tunnel. You guys are working hard. You’re saving lives. You’re you’re doing the greater good. Now let your money work for you that against you. And this is what money insights provides for us. So thanks again guys. And always stop looking backwards. Keep moving forward.
Narrator
You’ve just listened to the Bootstrap MD podcast for more valuable resources as well as Past recordings of our show, check out our website at bootstrapmd.com. Now let’s get to work.
