Financial Freedom with Sam Philbrook from Commonwealth Financial Group

to boil it down simplify it I I really help busy professionals like both
yourselves plan by Design rather than by
default welcome back mortgage daddies here we go we got our boy here today Sam
Philbrook the man the legend happy Wednesday here we are we’re here my we
got a Powerhouse in here I know we got a lot of matching outfits today lot of matching outfits glad the conference
call we got an alignment with that last night where you see like all the girls and they all have like the exact same thing on and they’re walking down the
street that’s right now in New Bedford here we are what would they think I mean if you wear blue and gray any given day
you’re probably going to match me cuz that’s like % of my closet % of my entire closet I have like one red shirt
this is a new style for me new style I’m always in a suit I know usually up you’re casual to I like it I’m casual I
was going to wear a suit today and I said uh if I going to be around greatness got to kind of dress the part so we don’t wear too many SU guess right
we don’t wear suits over here so we leave the suits for weddings and funerals for the most part you have to you know these muscles just don’t move
well I’m saying that one muscle that that muscle yeah he wears the we wear the suits to the gym yeah and then we
leave it there yeah so the buttons are screaming on your suits yeah naturally just playing this game of get them
bigger make them smaller you can hear the seams they’re like I’m like no it’s fine I’m going to lose pounds and
then just never going to wear that suit now at this point spend $a year on a tailor oh my God just to keep making
them bigger the suit you’re like it shrank I washed it shrank I swear it’s like no you’re just aging
awfully Sam tell us a little bit about what you do and uh you
know what I do where you are where you’re located for our fans watching we have what are we up to about seven eight
million fans worldwide watching mortgage daddies mortgage daddies first like where did that come from where did the
the that I want to hear that story well
I mean you know what we’ve we’ve beat around this bush quite a bit we we had our daughters on and we kind of masked
it that we are in the mortgage business and we were both daddies and we met through our kids uh both
daddies he is the original Daddy I say this all right I might have made it up
but you know and everyone comes in and ver will tell them yeah you got to call him daddy and they’re like I’m never doing that I was forward a couple
weeks when they need something thing that Daddy please watching the lb
man walk into Craig’s office and just be like Daddy I need help on slow it does
not get that weird it’s comical no it’s going today I’m going to do this today soon as we work out I’m like you have to
watch look at that Twisted steel over here look at that full of it oh my God you’re doing I know we came up with
I know I’ve always kind of like jokingly like called myself Daddy for years you know me calling myself that and it’s
kind of semi stuck and then when we were looking for a name we’re both dads
mortgages try to tie it together and we looked at a bunch of other names but nothing I felt like it was like funny
enough but not like ridiculously you know crazy depending upon who you talk to it’s pretty ridiculous you know we
get a lot of people that are like that’s the but but yet you’re talking about it you know what I mean like it gets people talking because they’re like mortgage
daddies you know there’s that podcast like call call me dad or whatever it is
you don’t know that by the way I don’t act like you don’t listen to way Cooper he just keeps sliding into
the DMS he’s like hey I’m looking for some advice I’ve actually never listened to that bu I’m a huge Joe Rogan fan I
listen to hundreds and hundreds and hundreds of Joe Rogan podcasts and that’s I pretty much live there and then
there’s another mortgage podcast um a guy down in Florida uh the loan officer
podcast that I’ve been listening to for years and those are pretty much the two that I bounce back and forth on I don’t
really listen to any other ones I used to listen to a lot more when I was still working in Abington fire department cuz
you have that hour drive sure you know but now minutes minutes sometimes I
just like silence in the car takes you a week to get through a half hour episode yeah exactly I did an audio book not
that long ago and it was like a solid month of every time I got in the car because that was the only time I’d
listened to it but it was it wasn’t bad I’m not a big music person I know Vern’s a huge post Malone fan yeah love post
Malone big guy my daughter today I’m going to see post Malone my daughter’s
this morning tells me Dad if you want to come home after I get out of school I can have Mom while I’m at school go and
buy some black invisible markers and uh I can draw his tattoos onto your face
literally the conversation that came up this morning that’s perfect mortgage daddies that’s exactly where the name
came from we have to deal with all of our kids we all have kids here yeah that was probably one of the more Wild Things She I would suggest I would not be
surprised if she came home with a tattoo machine to literally try to tattoo it on your head what what EX L you know do you
do so everybody kind of has an idea it’s an interesting interesting question right so to boil it down simplify I I
Simplify
really help busy professionals like both yourselves plan by Design rather than by default most people when it comes to
financial planning and working with a financial planner they’re in the default mode of like I’m pumping money into these different vehicles I don’t really
know how they’re invested I have no idea what the Market’s doing couldn’t tell you about inflation and really couldn’t tell you if it’s enough but like fingers
crossed com age like it’s going to work out again no idea of all those eroding factors that are going to happen
you had a couple numbers in the chart and you get this yeah you get like linear projection and it’s like it’s going to be fine or every year it’s
going to tell you to put more money in so a lot of people they’re just on that pathway to default where my job my
team’s job is to take people off the treadmill of life we’re busy we talked about how busy we are with our three kids we’re probably bus drivers on the
weekends bringing all three kids to sports games or uh band practice like now so we help help people just like
ourselves um take them off the treadmill of life and help them plan by Design meaning meeting with them on an ongoing
basis and making sure hey are you protected in the right areas are you saving money to the right vehicles and
are you invested correctly and you’d be amazed on how many times we meet with people that we would deem our all set
like I got a guy I’m all set that person’s massively successful they’re all set when we sit down with the people that are typically the most all set
they’re usually the furthest from being all set because everyone around them has assumed for the longest time they’re
wealthy they own a business they there’s no way I could have I could help them in any capacity and when we sit down with
them it’s all of these fine-tuned tweaks that we’re able to make along the way
that leads to them accumulating wealth better sleeping at better sleeping better at night when it comes to making
sure they’re protected or just having a clear strategy around how they’re going to eventually exit their business so
pretty easy question and a pretty hard response just because what we do is very customized to the person you can go on a
podcast you can read articles on Google and when you if you ever Google financial planning you’ll probably find
that a billion articles populate half of them tell you to do one thing and the other half will passionately and convincingly tell you to do the exact
opposite if you’re like most people you kind of scroll through some articles you read the conflicting opinions you go and
bounce ideas off friends and family you hear the uh the contradicting advice most people just throw their hands up in
the air and they say you know what I’m gonna financially plan later I don’t really need to focus on that right now
snap of fingers years go by and they’re the ones sitting down with us going wow I’m wildly off course I wish I
met with you all years ago yeah it’s insane I I spent I was lucky enough to uh partake in the rally
to give that we have coming up again this year um it’s really the first time I had some true oneon-one with Sam did
not know about his tattoo on his back so it wasn’t that much of a good one-on-one but when you sit in the car with uh
anybody for I mean what was it on and off for an entire three days Days yeah hours a day uh you you get talking about
stuff and just the way that he talks about what he does for a living it’s it’s not really what he does for a
living right it’s it’s the the the lifestyle change that somebody would really have to make um and really you
you broke it down where I understood you know what the goals were so many times I mean I have a great financial planner
it’s actually you know somebody that’s very close um to Sam working the same company I’ve been with him for a long
long time he explains a lot to me but having a different perspective coming in from somebody of Sam’s Sam’s side you
know everybody for me I even taught it I have plenty of life insurance I’m
putting away X number of dollars every month I’m good leave me alone you know really sitting down with Sam and also
talking to my financial planner because they they communicate all the time you realize there’s a lot of different
vehicles that you’re leaving out there with kids for college tuition uh saving not just for retirement I feel like
everybody thinks you put money into K I’m good are you really good like are you going to retire on I’m just making
this up five a million dollars is that going to get you through from to uh you know breaking down just
sitting in the car with you and talking about you know or do you have these vehicles and how you go about you know
structuring those at different points and when somebody should start saving
like now I’ve I’m putting away money for my kids in IAS and it’s just not the
s for their college um you not every financial planner advises on that yeah
um one of the big takeaways that I got is and I didn’t know this is how
financial planners get paid right I mean do do you know I mean I did this I’ve been in financial
planning Jesus it’s got to be years I’ve had somebody that I can go to
and talk to consistently I never asked them how they got paid and no how you
get paid is much different than another financial planner and set it up differently right yeah yeah you have the
freedom flexibility set it up and I think to your point too like we’re in we’re evolving to more of an experienced
economy where financial planning used to be one of those things where it was like I have your financial plan like Craig
here is a deliverable here’s like your three- ring binder here’s your financial plan soon as it’s delivered to you unfortunately because the stock market’s
changed a dozen times like it’s kind of out of dat but like from a financial planning standpoint here’s a deliverable
here’s a thing financial planning now is more of an ongoing experience is what how my team looks at it and with that
experience comes an ongoing advice fee so like our our number one call it service what would you think it is what
do you think our number one service would be your number one service yep for our clients I would just say it’s your
knowledge and communication just keeping us in the know of what’s going in the market uh you know you did a
presentation a couple months back at the office probably Nmonths now about high yield savings accounts right like if you
have in an account do making no money in a savings account sticking at high
yield savings and that’s I think what I like about you and your team is your honesty you’re not just selling a life
insurance policy you’re not telling me to put it in retirement you’re like you know what right now park that extra cash into this vehicle now until you know we
we see what the Market’s going to do or we find something else to invest is it the yearly planning fee yeah it’s that
Financial Planning Advice
right there it’s the ongoing financial planning advice we’re in the advice stage where our clients hire us at the
end of the day to give us advice so I I met you after I’ve already had somebody
set up when we spoke about that and he very similar to you in that which I had spoken to people in the past and you
could tell like they get paid on what they’re selling you for a product for life insurance whole life short term
what whatever it is they’re just pushing those products and there’s no like long-term planning or help that comes
and he has he does it the same way you guys do it it’s a yearly fee that I pay him but he’s there all year long I need
anything you know it’s there’s so much more of a service that I had no idea at
all which you guys are very similar so like I’m going to speak more on what I know from his his side of it but you
know I need to get a will I talk to him I need to get a will he sets me up with an attorney he gets him over everything
it it was he had asked me or somebody had asked me like hey how long did it take I was like it took like two
minute Zoom calls Y and that was it because the financial planner had everything got it all over to him I had
I mean I was a mess not not a mess financially I was a mess on where everything was if I died I my wife would
be screwed because I have money here there I have this plan that I opened at one point I open up a different plan here I have whatever investment accounts
she didn’t know where anything was so I’m like how the hell do I figure this out so pretty much gave him everything
and some of the stuff he manages some of the stuff he doesn’t but he has all that information and now that all went over so now if something happens Emily just
pulls up the phone calls him and and she he takes care of it all exactly it’s like if you don’t have that I the other
guy the other person was just like you just sold a your life insurance policy or uh whatever whole life or whatever it
is and then every once in a while he call you to see if you wanted to increase it that that was the amount of financial planning that and that’s how I
think a lot of people are and I think that’s that’s people’s perception of the industry like people ask me like what
What is your greatest competitor
what is you lose trust in that I mean to me like I did like I didn’t I didn’t like the feeling of it cuz I was like
you just you’re just trying to sell me something and just keep increasing it like you’re not actually helping me with anything yeah and people think like what
is your greatest um competitor they’ll ask me that all the time it’s not any company it’s not any another adviser
like there’s millions of people I’m of the abundance mindset there’s millions of people out there that need our help that are just on the default PL path
towards like kind of financial failure and it’s not because they fail to or they plan to fail they just fail to plan
at the end of the day our greatest competitor is not a company it’s not an adviser it’s people’s perception of what it is we do that we weren’t able to make
ourselves you brought it up like it used to be back in the day back in the day is like five six seven years ago even
nowadays a majority advisor like that where it’s like financial planning is solved by a product and that’s it it’s
like I listen I I might take some notes and then I’m backfilling the strategy with a product advice fee is ongoing
Financial advising I look at it like um a gym membership for instance I’ll use that you can go to a certain gym pay $
a month the gym has plenty of products to help you accomplish your goal which is right to lose weight in reality your
goal shouldn’t be to lose weight it should just be to go to the gym and develop the discipline of going to the gym but like that’s another story but
that gym will give you $a month here’s the products you can go out and exercise lose some weight what ends up
happening for you’re like most people kind of exercise a little bit I start feeling that pain of exercising I go I
don’t like this pain uh I’m paying $a month I don’t have the discipline to keep going I eventually stop going and I
still just pay $a month it’s a genius marketing plan for that one gym where we
come in is we’re the call it um fitness instructor we’re the
we are the personal trainer pay me$a month I’m going to develop a plan for you we’re going to go and teach you how
to use the tools you’re going to have some pain on you know getting into the Rhythm we’re going to help you be disciplined we’re going to help you coach your goals you’re probably going
to get to your end goal faster in a more efficient manner than if you were just to go do it by yourself but one’s $a
month the other one’s $a month some people are say I’m good with the $month knowing that I might not ever get
to my goal but like that’s the default path some people say well I’ll pay $a month if that means that I might be
able to get to my goal of weight loss faster that’s the advice model that we’re in and that’s the evolution of our
business where like people want that ongoing accountability they want that ongoing advice there are so many
different products and strategies implementation ideas out there that exist what most people do is they go on
Reddit they go on Instagram they go on Google and they’re just Googling things blindly and they’re not realizing that
like to the masses it doesn’t work financial planning is a one-size fits one not a one- siiz fits all and I’ll
tell clients that like my process is very specific to a certain person and it is okay if we’re not a good fit that is
completely fine there are other financial planners out there that do amazing work right my process is one
siiz fits one not a one- siiz fits-all if it doesn’t work for you I will not find any problem uh or I won’t lose any
sleep if you tell me Sam you’re just not the right time not the right place you’re just not the right person abundance mentality millions of people
out there I mean it’s in your business too millions of people out there need mortgages they I mean interest rates are coming down you’re going to start seeing
a lot of refi options come out you’re going to start seeing just a lot more people that have been holding on so closely to catch saying Hey I want to
live the dream of owning a house you have an abundance mentality you know it’ll help it’ll eventually fall into
your lap I think like for both of our businesses at the end of the day you know if the consumer doesn’t trust or
want to work with you and you don’t want to work with the consumer why why force it there’s other people you know what I
mean too many people are afraid to say no to somebody like they called I got to do this you don’t have to do it if
you’re not comfortable you don’t like the feel you don’t like whatever it is you know not everybody’s Pleasant to deal with you know you want to deal with
I don’t want to deal with that during a transaction like you are nasty you’re you’re aggressive you know you’re
questioning everything you you have just this attitude like okay go call somebody else like you know I don’t have to do
alone for every single person and you don’t have to be the financial planner for every single person especially yours because you’re going more longterm with
these people ours most of our clients are long-term but you know you’re not you’re talking to them maybe once or
twice a year you know you’re checking in and you’re you’re seeing if they need to refinance or buy another house and you stay with those people which is the goal
in our business to build up your own personal pipeline of business so you’re not always chasing new business or
chasing leads or whatever it is and that’s how you can become Uber successful when you combine those two
together in our business over time but you know in your business you you’re definitely with those people for forever
Saving for retirement
yeah you’re with those people helping them save from I mean for the biggest thing they might save for in life which
is retirement crazy enough like you can take a loan out to do anything practically anything in this world but
if you show up to a bank at age and say like a $million loan I want to retire the bank’s going to say like
that’s not how this works you got to save for that so that’s one of the biggest things you ever save for two hey we’re saving for the down payment a
house we’re saving for our kids college hey I want to make sure if gosh bid something ever happens to me I’m able to pay off my debt and replace my income
for years right if something happens to me or I’m still here I’m just unable to work I have disability insurance
coming in so you’re with these people we’re with our clients for the next years I’ll tell my clients like
because I’m rather young for the business is like I look at that as a positive because if you’re retiring in the next years and I’m retiring the
next years let’s say like we’re both retiring or if you’re not retiring and he is that’s what I’m saying is like
if we get to retirement and we’re both on retirement Beach and you look over and I’m like hey cheers it’s like who’s watching the financial plan I have
another years until I retire like I get to see your retirement and that transition of wealth from one generation
to the next in hopefully the most tax advantageous way so I really use my age to my benefit because I’m going to be
working for the next Years I’m also working hard right now and I’m pretty up to date on technology and just have the
bandwidth to learn even more more stuff compared to potentially an adviser who’s looking at retirement the next one to
two years or so how long you been doing it all time I’ve been in the business
years with stuff like this because like okay you’ve been doing this for or
years but like you’re almost done it’s like a doctor almost do you do you want
your doctor that okay yeah you might be great because you’s been doing this forever but at the same time like you’re
going to retire in years I got to go find a whole new doctor and start this whole thing over again you know there’s
a big that that’s a big piece you know when I look for something whether it’s you know a dentist a doctor a financial
planner whoever it is you’re going to be here so I don’t have to change all this in you know years
years and especially on your side of it where you know you’re going to be there to manage that’s a huge selling point in
my opinion that’s it I’m calling his his friend up and tell him I have to switch everything out can’t do this anymore
he’s out can’t wait till he sees this episode he’ll be like God damn it Sam but it it’s interesting being in the
Evolution of the mortgage industry
business years right you’ve been in the mortgage industry for a while too and seeing the evolution of change
happen over time and it’s just constant Evolution after Evolution where back in the day it was a product based and then
we started to more into experience basically saw that with Starbucks coming out and just the experience of like hey I’ll pay premium for a nicer cup of
coffee your gym analogy is G analogy hits it now too where it’s more of aned push just things i’ follow and watch in
the more so out west and everything kind of comes back this way but with higher end nicer more expensive gyms becoming
popular having full memberships versus these $Planet Fitness Gyms as they
start to lose because of that people actually get hold held accountable it’s a nicer facility you get more out of it
if you’re spending more money you’re going to put more effort into it and you’re going to get more out of it and you’re going to have a nicer product
when you’re there as well like the equipment it’s not purple and gross it’s really really nice and highend you know
there’s there’s a huge I think as a whole most people are okay spending a
little bit more money or spending more money to have a nicer product it’s exactly that and it’s the experience
Premium customer experience
right like when I bought these pants for instance off BT um their packaging was just a nice experience the way the whole
the whole process of purchasing the pants having them shipped to me was just a premium service compared to if I went
to I’m just going to use like um uh a sub sandard store like right it’s like got the packaging opened it up it was
like this exclusive like membership thing the the packaging was nice the
labeling was nice the overall like just customer experience was a premium and that’s why the Pants cost more money
than I if I went to um a store for instance and the quality is better the fit’s better it’s going to last longer
like there’s you you start off buying things you know cheap and then you’re like okay great I bought this cheap pair
pants or this cheap fridge and in two years you got to replace it versus well I could have spent $more and out of
fridge that lasts me years it’s that way in financial planning you can you can purchase a premium service and you
Financial planning meetings
will you will have a premium service I know I offer a premium service but I spend the time with my clients I’m
meeting with them on a consistent basis there’s four meetings a year every single meeting has a thematic theme or a
theme to it they’re thematically driven so it’s not just like hey let’s to your example like let’s increase this it’s
like hey we talked about these goals last year where are we hey end of year tax planning we’re in quarter four right now like end of your tax planning like
let’s include your accountant in the call I want to meet them if I haven’t already met them and we want to project
out how much money are you making this year because you don’t want to wake up come December or January saying I owe the IRS a substantial amount of money we
can start right if we can start times right if we can start though planning for that that would be helpful quarter
one might be hey a protection review PNC life insurance Etc review Quarter Two could be income and Savings review you
might have just gotten a bonus or a big commission like how are we best deploying that money and you can see throughout the year it’s just it’s just
checkups their their Financial Health checkups along the way every meeting though has a theme to it I think that’s
where where the industry is really going to where it used to be transactionally based you buy a product I check in with
you once a year ET to now more experience-based like what is that experience that you’re delivering to
your clients I’m getting ready to uh rehab a house and I’m sitting here I’m just like
thinking and listening to you him like do I want to deal with you know the Sam Philbrook or do I want to deal with the
guy who doesn’t have you know any insurance and he’s going to do everything on the weekends and at night out of his own truck and I had a crazy
experience in my house at New Hamshire it’s taking me like a year to redo some decks because I didn’t go with
the Prem best experience the premium service and I looked at the number and I was like absolutely not this is
outrageous I’m gonna go with the middle of the pack I’ve already paid for the premium and I don’t have my decks done a
year later right like I’m at the number if I would have done it with this other contracting company that had resour uh
refer Network people referred them over to me I’m just kicking myself I will not be doing this on this next house that
I’m uh that we’re purchasing if you think hiring a professional is expensive hire an amateur I did that’s what
happens it’s way worse because you’re going to pay he’s going through it now you’re going to pay for it in time
you’re going to pay for it in frustration so emotionally you’re already taxed as well as don’t even know
they’re that much of an amateur until you get into the process and then you have to hire the professional to come in
after the amateur to fix it cost more money cost more money they don’t want to clean up more frustration more time the
Time
greatest asset that we have as business owners is time but it’s actually not time it’s attention crazy like cuz time
you have hours a day right the richest man in the world richest woman in the world will be the person that creates the th hour it’s the attention
though how much attention can you give during a certain day so you can’t give hours of attention right you have I
operate better in the morning than I do at or o’clock at night so like my attention is really four or five hours
in the morning that is like that is the golden hour of which like if I have big things strategies down to t uh tactical
decisions that I need need to make like that’s H has to happen in the morning that’s my attention morning anything in the afternoon is like not sub not not
worse by any means it’s just like there’s less attention because like I only have so much in the tank to give I
have time hours in a day but I only have four or five hours of attention to give things and that happens in the
morning hence the reason why we’re here on the morning not at o’clock at night not at o’clock at night could make
really a rough rough really bad decision if we were doing o’ in might have a couple cocktails just
sharper yeah a couple more tattoos but you’re just sharper during that attention time compared to just the
regular time that it might be at p.m. what does your perfect client look like at this stage in your your game for
anybody who’s watching this and you know we’re going to have the full array we deal with every Walk of Life you know
unemployed to somebody who’s got multi-million dollars self-employed somebody who’s just starting out right I
mean um y old kid I I was reading an article you probably know the exact
facts but you know you start investing at years old you’re in a much better situation than somebody who Waits
until they’re years old to start investing for retirement or investment
accounts like what is the client that you’re looking for if they’re watching or do you suggest people getting a
second opinion right yeah I I mean I sat in that car with you for three days you knew my financial planner and I probably
came across as like I was interviewing you and making sure like the financial planner because I I feel like no matter
who your financial planner is there’s always somebody that has a different idea and that’s what I was I always look
for different approaches right so then I can go back and and sit with him and say what do you think about this and then he
might say this is why I would not do this right that’s the key is I want to just open it up but what is that perfect
client you know that you see out there that really needs your services like when you sit down with them they’re like
damn it’s the person that’s typically allet in everyone else’s mind it’s the person that wants to offload this you’re
running a business all day you’re making decisions all day you’re a family person you’re making decisions all day you’re
an executive you’re in key employee you’re a business owner you’re a top performer and you’re just making
decisions all day and the last thing you want to do is go home and Google what is your financial plan the last thing you
want to do is go home and harvest a question from your spouse and go I have no idea what that is or what that what
our advisor doing because we haven’t talked to them in two or three years yeah right it’s not an asset minimum
it’s not an income minimum it’s that person that’s a top performer they have
they they have a good job they’re building a business they’re managing a team they have a family and they just
want to offload that responsibility not to the fullest extent I’ll say I want them to be intellectually curious to
your point like you were interviewing me I don’t think it was interview I think it was more of conversation but you’re like intellectually curious around like
hey this is what I’m doing like do you think it’s good and I think I remember the conversation where I was like well I don’t know your whole picture yeah I
know the guy and I think he’s really good so like you told me in I was like no that all makes sense like you actually might want to increase these
things but like talk to him about it because I don’t know your whole picture decrease or decrease or whatever it is tax planting I mean you brought it up
with Qyou said Hey listen you know I said down with my clients tax planning I do that now obviously with with my
financial planner my accountant but that meeting should be happening in QQat
the latest you can’t tax plan in qof the following year it’s it’s bananas I hear all the time I’m like good good
idea on that and it helps you financially because listen um you you’re going to know this better than me pay
your kids out of one of your llc’s or set it up where you’re paying your kids what is the max on that a year y
right you write it off goes into your kids Ira or account whatever it is
I I don’t even know where I’m putting it but depends on depends on how it’s structured it depends on so many things could be could be Max gifting
could be depending on how those are things that you know most people just aren’t listening to it right like we sat
in the car now that’s implemented it’s another way to do that so um no that’s awesome man thanks for coming on no
problem great to have that one by quick talk about tattoos financial planning want to pull a couple questions
definitely J pieces Jenga pieces here we go I’m gonna go for the hardest
one Sam give us a fun fact while you’re pulling these out what’s a fun fact my name is not Sam it’s Jonathan I knew
that was coming up to I learned that the hard why psycho psych have you ever lied to your boss
that’s a good one that’s a good one um depend like oh man
boss which boss are we talking about let’s just do both your wife and your employer so uh yes I have and I’ve been
Sams Lies
very honest about the lies that um I have I have given uh or said to my wife
cuz she always finds out she always knows like I’m terrible liar as soon as you say something she’s just like really
and I’m like yeah she’s like really and I’m like no no no how many high noses did you have last night I was out
with Vern until what time are you home G with like three maybe I added a one the ring
camera says otherwise to all our viewers I have to be the number one Fall Guy in
the in in the industry in this area like so many of my friends are like if my wife calls you I was out with you last night like where were you I was golfing
at the golf course till like just tell them that like why do I have to do this that’s is and then we have do you
believe in aliens yes naturally like yes % if you think about it the Galaxy we
can go on we can go on a rant about this this is the luckiest one he’s ever pulled it this is amazing the Galaxy is
Aliens
endless so therefore it’s like well allegedly it’s endless so therefore
there has to be other things out there it can’t just be us in one solar system just hanging out like there has to be
other things out there and I think this already been proven if you go on the History Channel which isn’t mean the history anymore it’s like aliens fact or
Foe and you’re like all right we have aliens which would be pretty cool actually he’s taking this thing down go
who do you think is the worst dressed person in the room
Vern it’s my calf tattoo it’s the CF tattoo it it honestly was a debit on
your on your on your all outfit I wish I could see it though yeah I mean you know maybe one day we’ll we’ll do that that’s
a hard question when we’re all wearing the exact same thing today you guys have the same brand shirts on yep same color
pants I bought it for him yeah right I sent them that that pair of pants let’s
do another one see how far you can go before you knock it over no one’s ever knocked it overend two questions what
was the company bylt bylt who is who in this room would you
Switching Lives
switch lives with for a week I don’t know I have a pretty sweet life I’m not going to lie like I have a pretty cool
life I really like my life I mean just so the viewers know we have uh one of our team members in here who coordinates
a lot of this stuff Stephanie we got as everybody knows Javier Arosa who’s uh you know not married not
not settled down so I don’t know I probably gonna be happy for the day plus he works out every day I probably would
skip that for time period do I’d do that oh really so he has to switch back to the body afterward yeah after oh yeah
Daddy
because he works out every day wouldn’t work out I would just completely sink that body just going around give it back
to him at the end like you go old maybe I want to be Craig just so
everybody calls me Daddy that’d be a good one too that’d be a good too it’s not bad then again Sam works up in
Boston commutes yeah I mean your office is pretty sick up there it’s a nice nice little area run
a practice he’s taking out everything s on that side can you name for card
Kardashians where we got Kim Chloe you lost me I got all man you got
all four you don’t Daddy but you know the Kardashians interesting so Kim
Kardashians years uh that one’s not Selena not even close not even close no
Kardashians
what’s uh I can’t help you guys I know other two go for the other you got Kim you got Courtney Courtney you got Kylie
you got well Kylie I guess isn’t technically a Kardashian because she’s a Jenner right I wouldn’t know this guys
keep up yeah I I I’m done so you got Kim
Courtney um Chloe Chloe Kylie and um oh
my God Bruce yes ver Bruce there’s one more Kylie and Kendall Kendall’s the younger
one k Kendra is it Kendra and Rob well that’s a guy yeah
it’s it’s said K on the Kardashians do you think the Earth is flat
absolutely not no no it’s round Abol that’s a crazy one that’s a crazy that’s yeah that’s that’s an interesting one
you might take this thing down oh man oh this is the one this is the one
that’s going to make it go away oh the last one do you think Sarah
is an alien I think we end the conversation % yes
he does not work with her he just says % % yes no I appreciate you guys
uh you both having me on today this was awesome good use of time good minutes minutes what are we doing for lunch
after this dealer’s Choice I’m I’m all yours amazing restaurants in the South Coast I got a half hour or so but no I
appreciate you guys inviting me on it’s awesome awesome to see the success of this and continues to grow appreciate
the support my man all right till next time see you guys