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Anthony Marinaccio entered the mortgage industry in 2004 and has quickly established himself among the top residential mortgage professionals.

He is a well-known Mortgage Broker who works with over 100 of the nation’s largest financial institutional products in order to maximize client borrowing opportunities. His understanding of the market and how it plays into real estate gives him the unmatched ability to offer exceptional products and services for the individual or family buying a home.

Anthony continues to be recognized for his impressive achievements in the real estate industry, most recently featured in FORBES and ENTREPRENEUR MAG, a 2019 and 2020 Modern Luxury’s Chicago Power Player, as well as one of the most recognizable industry awards for being The 2018 Mortgage Loan Officer of the year.

Anthony's firm, Guaranteed Rate, is the largest non-bank mortgage lender in the nation, with a higher customer service rating than Apple and recognized nationally and as a top mortgage lender for your home purchase needs.

 

 

In this episode, Steve and Anthony discuss:

  • Progressing because of hardship 
  • Growing naturally in your passion 
  • Relying on others 
  • Grasping your own value

Key Takeaways:

  • We shouldn’t shy away from difficult circumstances, because anything great or worthy we receive, accomplish, or learn comes as a result of hardship. 
  • It is possible to grow naturally into a skill or area of expertise that you are passionate about. If you’re really passionate about something, build on it with experience, practice, and study. 
  • You have to rely on other professionals in this industry to give you guidance.  If you think that you can do all of it yourself, you're really doing yourself a disservice. 
  • Negativity doesn’t serve you, so why keep it around you at all? Grasp your own value and continuously feed your mind with positivity so that you will be able to give it to others out of the overflow of your heart.

 

“When you see a problem, if you just ignore it, it definitely isn't going away. The quicker you get your hands around it and find solutions and make a shift, the faster you can fix that problem.

-Anthony Marinaccio

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Listen to the podcast here:

 

Anthony Marinaccio- Making the Most of Opportunities

Hello, everybody, and welcome to the Insight interviews. This is your host, Steve Scanlon. I just really feel lucky, blessed that I get to host this show because I get to bring on some really, really cool- is that the right word, unique people from around the country in this industry, and I know I know for a fact today is not going to disappoint. So, ladies and gentlemen, without further ado, I would like to bring on our guest today, Anthony Marinaccio. Anthony, say hi to the inside interview world.

Hello, everybody. Thank you for today. There you go.

Now you sound nice and crisp and clean. By the way, way to go.

I’m on that microphone.

Good deal. Well, look, I I'm excited for what this podcast holds. As you may be aware, Anthony, what we're trying to do here is we try to find really unique people in the industry, people that have some really, you know, really interesting vantage points and unique approaches to how they do this work, and you and I got to speak a little while back, and I was just really impressed with what you do and how you do it, and with the season that we're in today, I just kind of feel like we could have a we can have a podcast episode that goes on for like hours. But we know we can't do that. So, we'll just kick off normally. How's that sound?

Sounds awesome. I agree.

Here we go. If you're a common listener to the inside interviews, you know, I start with this question. And then we'll get a little bit more nuanced with Anthony's work and what he does. But Anthony, here's my first question. What are you grateful for today?

Great question. Gosh, I think about this, every time we go through what I believe is what I call a cleanse in our markets. I'm grateful for the opportunity to learn what it's like to go through something like this, because these are the moments where we take that microscope out and really dissect ourselves and try to make sure that we understand what's happening. That we don't necessarily make this our own fault, which a lot of people start to reflect on themselves, right? It's, you know, is my religion doing this to me, whatever, right? So I'm grateful for a lot of things. But right now, I'm grateful for the opportunities that this industry presents ourselves, either good or bad.

What do you say to the person listening to that that's going, this guy is off his rocker, this this is brutal. This is horrible. It's all bad. I don't know how you can be grateful for that? I mean, again, I you kind of said it but I'd love what would you say to that person?

I would say, depending on how long you've been in the industry, go back and look at your peak moments in your earnings throughout the time that you've been in this industry, and I would have to assume just like myself, my biggest years, my most successful years, where I make the most money, is right out of something that we're going through right now. So, while it's tough, and you got to prepare for times like these, it's all about seeing some of your competition, leave the market and leaving yourself available for market share, and taking a lot of it back, if not more than you would have if something like this had not happened.

All right. Well, how do you feel like being in the deep end of the pool right out of the gate? Is that cool with you?


Yeah, I feel like you know, I watch CNBC every single day. I don't watch CNN, I don't watch Fox, I like something that can tell me a lot of sort of what we're dealing with in the marketplace, based on how the markets are reacting, right? If you watch CNN, it's all about, you know, the left of bad and good and then Fox is the right of bad and good. CNBC is right in the middle. It gives me a clear depiction of where we are. And what I hear these, you know, market analysts talk about every day is, you know, we know where we're headed, we know what a recession means, and I hear them use this analogy often. They say, you know, we're four feet deep into our six-foot grave, which tells me we're almost at the bottom and once we find the bottom, that's typically where we can cycle out of something like this. And to me, if we're seeing where we're headed, and if you also historically looked back and looked at the housing markets during recessions, they tend to actually thrive. I think what happens is people get like very nervous with the stock market, right? And they're going, oh, my God, my assets are all over the place, let's put this into something that tends to be more stable, which is an asset that's more relatable to individuals like ourselves and homeowners, which is owning a house. So, I'm okay with it. I'm okay with it. It's tough. It's definitely not easy. But I think because I've been through this, Steve, a couple times, I think I'm immune to it. And I think that’s a good value. That's something that, you know, if you can learn how to get immune to the ups and downs, even when the markets great, you've got those ups and downs, just with the individual deal that you're doing, or your business in general.

Absolutely. Well, I really liked what you have to say about, like, if you look back. I want to make sure I heard you right to, you know, I might put it like this, look at anything good you have anything, anything great, look at anything worthy, you have. It came as a result of some hardship. Don't you think it's a little funny that as human beings, we, you know, especially those of us that are parents or whatever, I'll do anything not to have my kids suffer. And yet it's suffering, that creates all this wonderful stuff for us.

Yeah, I couldn't agree with you more, I reflect back on all the rich kids that I grew up around in high school, and wish I had all those same things. And now that I'm older, and I have that, and then some, I'd look back, and I'm glad that I didn’t. They don't work nearly as hard as I do. They don't go through hardship the same way that I do. So, I don't think that they more or less respect, or, or fully enjoy those really successful moments, and it's days like today that allow you to really take a step back and say what is really important in my life, and have a different perspective.

That's so good. Tell us if you would mind. I mean, I can read off your bio, I suppose for me it's always more interesting when it comes from my guests. Like, who are you? Where do you come from? What are you doing? If you could like, you know, we don't need to take the whole 30 minutes but like as synthesized as you can tell us, the Anthony story. Where do you come from? What are you doing now? How did you get here, etc. Can you do that, synthesized?


Absolutely. Oh, geez. All right. So, I grew up in the suburbs of Illinois. I have four older sisters, I have no brothers, so, I was completely neglected, until they all got married and realize how awesome it was to have a good brother, because I think they realize how crazy men are once they met their husbands. So that's where I really started to develop a relationship with my family and my sisters. But up until that point, I was very independent, always finding ways to entertain myself. Growing up, I was a skateboarder, I was a snowboarder, I was sponsored, I was a baseball player, I played soccer, I played football. I really loved extreme sports, like hockey and soccer and or excuse me, hockey and snowboarding. I used to be sponsored for it as a kid. So, I really kind of had this like natural leadership by just thriving in something that I liked, right? It came naturally. And when people say oh, it came naturally, I think what they mean by that is, if you're in love with something and you're really enjoying it every day, maybe like your job, then leadership kind of comes naturally with that. But I ended up going to college on a full ride scholarship for swimming and diving. I swam all through high school, I swam all through college, and when I graduated and got a job, the amount of hours that it took to get my job done was a fraction of the amount of hours I had to put in as a student. That was also a full-time athlete, and it made work easy, but I was doing doubles. I would get up in the morning, have practice, go to school, be done with school, go right back to practice. And then some days I had study tables. So, you know, I was up at six and doing work in school in swimming until nine o'clock at night sometimes, and I did that for eight years. So, by the time I graduated, one, I was sick of looking at a gym. Recently, over the last three years I've really gotten back into it, but outside of that it really made work easy compared to what I used to doing in college in high school.


Oh, that's awesome. And so, tell us about how you transitioned into where you are today.

Yeah, I graduated college. I had an internship with a radio station in Chicago, and I did fairly well with this internship. Long story short, I created a really intricate revenue stream for the radio station that they had not even thought of. But I graduated from college and they told me at my internship that the company which was a national news company, they had never hired anyone out of college. So, I didn't even call this radio station for a job. And it was Q101 radio out of Chicago, man cow in the mornings, big station. Anyway, they ended up hiring me, I was very successful. I hated every second of it, and I got a lead across my desk for a mortgage company that was looking to find ways to hire people, and we created some successful opportunities for them, and then I ended up kind of jumping in and I got in, in the year 2002. So, I just hit my 20 year mark, I'm also 42 years old, so, I really got in and haven't looked back.

That's awesome. That's awesome. Tell us a little bit about your role today in it. And you're still originating but give us a little bit of kind of how you do it and what's your role today?


Yeah, as of right now, I manage a team of sales guys. I've got about eight operational staff from sales assistants all the way through closers, and last year, in the good year, I just was just shy of 100 million in loan volume. This year, I'll probably do a little more than half of that. So definitely a big adjustment to my business, but again, something we all need to be prepared for. So, I manage a team of loan officers and I also have brought on some pretty successful accounts onto the company, and I manage those accounts as well, which ultimately drive loans. I handed the easy deals off your W2, 510, 20% down deals, pretty straightforward. We call them slam dunks in our industry.

                                                                                                 
"I tend to hand those files off to loan officers and I take the absolute hardest deals. It requires me to stay fresh on my guidelines, it requires me to really have a very clear understanding of why an underwriter would ever tell me no. That has probably led to most of my success in this industry, which is anytime anyone tells me no, I need to know why in black and white and in writing, so that I can learn to not do it again. And I did that very early in my career, which has kind of helped me get to where I am now which at the end of the day, I feel like we're problem solvers, and I'm a pretty good problem solver. I'm pretty creative within the loan options that we have, and that's pretty much where I'm at now."


That's awesome. Well, I got a pause and flick my hand out. I've been taking a bunch of notes. You know, if we could for a second, I suppose suspend kind of like where we are in the industry because I know that's headlines, dude. I know it's really relevant to where we are. I just love to talk to you about just one of the things that you said just strikes me just really interesting here, and that is about, you know, being great at something and finding what you love to do. You would think, I mean, there are some people listening going what was wrong? What was wrong with radio? Why did you hate that? How did you end up loving this? Right? I mean, I again, yes, it's I'm sure it's good income and everything like that. Just listening to you sounds like you really dig what you do. How ? Why? I mean, did you intend to do that? Did you have to learn to do that? Was it just natural to you? Talk to me about this passion that you have for this thing that maybe you know, nobody in high schools like or even in elementary school, no one says I want to be a mortgage. How did you end up loving this?

It's a really good question. I hated radio because I was selling ad space, and anyone that was older than me and I call older, you know, I was I was 22 years old, selling radio ads successfully hated it, doing it well. What I hated the most about it were the other sales people in that industry. I loved them as people. Many of them were coaches in my life. Some of them turned out to be fabulous people, but the majority of those people were drinking and smoking cigarettes and going to concerts every single night. And they had to go to entertain their ad spend clients, and I thought to myself, this is not me. And I never had debt. In college, because I had a full ride scholarship, I really didn't even understand what a mortgage was. I mean, I knew the concept of it, right? It was a vehicle to drive ownership in something, right? It was a tool to own a house. So, I thought to myself, you know what? I'm going in as, as an absolute minimum, I'll walk away from this thing. I'll give it a year in my life, and I'll walk away, heavily educated on the industry. And I have learned more about life in general in this industry than I think we can in any other industry, because we're learning people's savings, lifestyle techniques, investment techniques, tax strategizing techniques, I, you know, I really get integrated into my clients lives to help them obtain ownership. And by doing that we're having really high-level conversations, and I really get to see what other families are doing to be successful. And while mortgage operations, originating loans is essentially what I call, pays the bills, what makes me money and makes me wealth is investing in real estate. I've made more money investing in real estate than I may have with my consolidated years put together in origination, because I'm in the saddle. I see opportunities to buy. I know when the market tells me to sell my real estate, and I don't buy and sell when I want to, I buy and sell when the market tells me it's time to do it. I completely left Chicago in 2019. I sold everything that I owned. And the reason why I did that is because I was commuting back and forth to the city. I lived in a very expensive suburb of Chicago, I was 21 miles away from door to door from my house to my office, and what used to take me 37 minutes was taking me over an hour and a half each way. And I simply said to myself, I'm in the closest city outside of downtown Chicago, and nobody wants to put their kids in school downtown Chicago. And I thought to myself, wow, this city can't sustain growth, it's going to be impossible for the city to be able to get people in and out in order to earn a living. So, I sold everything I owned in 2019, and I invested all of it into Arizona, in late 2019, early 2020. And while yes, we're going to see a large correction in Arizona, my assets, investments in real estate easily went up 160%, right? So hypothetically, if you put a million dollars in real estate, you know, you're upwards of, you know, 2.6 in total now. So, I got lucky man, but I saw the writing on the wall.

                                                                                             
"And another thing that I've learned from this industry is when you see a problem, whether you're dealing with a client's paperwork or guideline, like if you just try to ignore it, it definitely isn't going away. The quicker you get your hands around it and find solutions and make a shift, the faster you can fix that problem, and that's what I found, and that's what I've been kind of practicing in my life. And that doesn't mean I have all the right answers."


Yeah.

But I think that gives you some clarity.

Wow, dude, I, there's so much there to unpack, we're gonna have to do more than one episode of this. Anthony. When you were diving into the way that you help people and integrate into their lives, I definitely want to hear more about the real estate stuff, but I almost feel like there's nothing for god sakes, don't do this, there's no money in it and whatever, but some people will go and write a book. Don't go write a book. But if you're going to I got a book for you. If that's okay, like I need you to write it.


Oh, you need me to write the book?

Yeah, no, I want to read it, you gotta write it. But it's gonna be some sort of title, like, What I Learned in Mortgage Banking that had Nothing to do with Morgtages. 

Right.

What did you learn about people? What did you learn about because I thought that's where you were going, like the things that you've learned? Yes, you learned about real estate, which is awesome, because it sounds like it gave you a great vehicle for investment, but what did you learn about people? You were talking you were talking about how they saved, and what were their habits? And if you're that integrated, if you had to write a book on what are some of the key things that you've learned about people about the world, doing mortgages, you know, again, you don't have to give me the whole book, obviously, but what would be in that book?

I'll give you the quickest response. In any time I try to advance my business into a segment, like marketing, as an example, online marketing, social media marketing, what I've realized very quickly is you have to rely on other professionals in this industry to give you guidance, If you think that you can do all of it yourself, you're really doing yourself disjustice. And I'll give you a perfect example a lot of us guys are trying to get in social media, we're trying to build a presence, we're trying to grow an audience, we're trying to find a business in that space. Doing it yourself would be no differently than you calling up somebody who's really great at marketing and saying, hey, I need my 30 year fixed mortgage, give it to me. They would have no idea how to do it. So, what I've learned in this industry is making sure that you leverage opportunities with people to get as much value out of them as you can. And sometimes that comes in trade. Maybe you teach them how to be wealthy in real estate. Or I'll give you a great example here in a minute how to save hundreds of 1000s of dollars on their mortgage, if you want to go back to that question while in turn, you know, maybe they're an HR director, and you say to them, hey, I'd really love to bring a discounted mortgage program to your company. You've got 3,000 employees. Do you think that's something that your company would enjoy? How would we implement that into your business or into your, you know, into your employees lives? And then let them get creative and walk me right into a deal, right? So now all of a sudden, I've got an entire company that when any of their employees need a mortgage, they're coming to me. So, I try to take something away from my clients, because to me, it's a partnership, and I think that's been the best way to approach that business.

Untitled design (6)-2 


That's fantastic. As I'm listening to you, there's something that that's about you, Anthony, that you probably can't even say, but I always want the listeners to hear like, there's just this level of conviction in the way that you speak, and how you carry yourself. I just think, I think it's probably a really great trust builder, like I'm listening to you go and whatever you're selling I’ll buy, like, you seem to really come off like you get what you're doing, and you have clarity with where you're going. Have you always had that?

You know, what's funny?

Or do you even know you have that?

I think, I think I'm just starting to realize that.

I have that I actually hope you never realize you have that.

Me too. I completely understand that point of view.

Well, God forbid I even bring it up. But like, but you don't get to talk about it., right? Like, you can only hear it in you. And I just, there's just a great insight in that, for me. It's just like, whoa, I mean, it's clear that you're passionate about what you do, and that you're knowledgeable about what you do, and I don't know, just the way you come off just reeks of that clarity. So, you don't have to comment on that at all. I was just curious if you knew, you had that.

No, appreciate it. I don't know. I think honestly, I think what drives that Steve, is that I hate being told no, without knowing exactly why, and I think that helps. That's the self education within the industry. A lot of guys, I remember when 2008 when we were going through a mortgage crisis, I call it a housing crisis. It was blatantly a mortgage crisis. And I had buddies in the industry, and they're like, I can't get any deals closed, and I'm like, why he's like, the underwriter won't agree with income. I'll go, we'll just you know, you're supposed to read the tax returns. And these guys would be like, that's not my job. That's the underwriters job. I was like, I just didn't even say anything. I was like, Dude, that that's my competition. I'm taking over the world.

Oh, that's awesome. Well, you're again, I hope, hope that's not our listeners out there. But your competition is falling apart mentally right now, right? I mean, there's just so much negativity out there, and here you are talking about it. You know, it kind of reminds me of a whether you play golf or don't play golf, I think I think it was Ben Hogan that said, he loved the wind. He loved the wind. And if you don't know golf and wind don't go hand in hand, most golfers hate it. But that's why he loved it. Because most golfers hate it.

Yeah.

And so, and here you are, go on just with the way you sound like you're ready to take over the world. And are you aware of the fact that many of your competitors are not necessarily ready to take over the world right now?

Yeah, yeah, I think, you know, I think of a lot of these, you know, these like internet tech mortgage companies that come into the environment, you could line up 100 buyers, all those buyers could have the exact same job title, with the exact same income, and they all save, spend and live their lives completely differently. They all come from different backgrounds, and every single one of those people will be underwritten by an underwriter completely differently. So, for me, you have to really get your hands around your own value. And you talking about this negativity in this environment right now, I stay away from all of it. I'm subscribed to all these real estate emails, you know what I'm talking about? There's a 1000s of them.

Yeah.

The first thing I do in the morning is delete every single one of them. I haven't read one of those emails, I kid you not, in probably seven to eight months, because every single one of them is negative, and that's fine with me, but I don't need that in my mind. I don't need it around me. Because I have realized, because I've been through a couple of these, if I just keep that really strong high energy out there, it feeds me. It feeds in love.

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Well, that's, well that's the second book you're gonna write. I've got one for you. How about all the things you never learned from all the negative people?

Right? I can smell it man. You and I guys like us so you can just, I can see that negativity all the way down the block, man. I just, it's hard. It's really hard to walk away from it. And sometimes it's right within your family. It's tough. But you gotta, you know, for me, with my mindset, I have to, I have to stay strong. And I have to stay away from anything that puts any doubt in my mind.


And do you feel like the mindset that you're curating, do you feel like, I'm always trying, I'm trying to figure out from you, were you like this as a little kid? Did you grow up like this? Did you do something to help yourself foster it? Is it intentional? Or do you kind of just feel like it's naturally you?

It's a great question. It took me a very long time to figure this out. And this might sound silly, or you might relate to it. I inevitably have ADHD. I was born with it. Totally hyper only boy in my family, so it looked more amplified in my family than not. And I remember in high school, my mom asked if I wanted to get on medication. And I said, yeah, I'll try it. I went on ADHD medicine for two days, I kid you not, two days, I was sitting at my friend's house, it was the weekend, we were all bunch of dudes hanging out, right? We were skateboarders, that's all we do is go skate, go back to our buddy's house, hang out watch TV., and I remember yelling at everybody in the room to shut up because I couldn't hear the commercial on the TV, which was completely irrelevant to what was happening in that moment. And I was like, oh, my God, I apologized to everyone, I went home, told my mom, she's like, get off of it. I felt that medicine in my system for 60 days. But what I have done with ADHD is I have found ways to utilize that to my benefit. And in our industry, we're bouncing around between so many different things, I can handle 50 different things in one moment, right? So, I might have my operating system open, I'll have my emails open, I might be working on two different loan files while I'm answering emails. And then on the flip side of it, I'm building out an entirely new marketing campaign, and I'm doing all of that collectively at one time. And that's why I can't let that negativity in there, because if I feel some negativity within the industry, then my mind will let that bleed into the other things that I'm working on, to put myself ahead of the competition when this thing turns. But the thing that motivates me about why I believe it will turn, I think about my grandfather’s, and I think about the first homes that they've ever bought. I call it the Grandfather Effect. These guys bought homes for like 2500 bucks. $17,000 their first homes. If they owned them today, if they were still in the family, and we you know, had them as an inheritance, they would be worth 20x 30x what they paid for them, and there's still people out there that need homes. It's not like we're dealing with an economy that lost buyers, that lost homeowners. Yes, homeownership is harder, but renting is getting more expensive. Those, the you know, the demand isn't gonna go away, it might slow down, but if a lot of guys get out of the industry, which they will, then the amount of buyers are going to eventually be the same when it peaks out again. And, actually, no differently than the stock market. You're supposed to buy when times are hard because nobody else is doing it. So, like you can get deals right now you can negotiate seller credits, you can buyer interest rates down, you can always refinance, you can get good deals on real estate, you can find people that have to sell because they can't afford their homes, which is very unfortunate, but there's opportunities out there to not only originate in my industry and provide a service, which are mortgages, but also invest in real estate. So, no joke, I'll probably burn 150,000 if not more in cash liquidity that I've saved up over the last couple of years to get myself through a time like this, but some of that money's coming from land that I owned free and clear. I bought a piece of land, you know, it doubled in value, and I took I actually have a lot of friends in the industry. And I just went to a private hard money investor, and I said hey, I need X amount of bucks, you know, take 10% interest prepaid off front wire me the Delta and I had the cash in 10 days. And I'm back to, you know, not letting things bother me. But I saw something on Instagram the other day, it was the staircase, right? It was like you make money then you deplete it, you make money and then you deplete it. And there's two ways to do that. Either, you know, you live with minimal money and then you go into debt, and then you make money and you get back to zero, but then the flip side of it is maybe you're really good saver, and you save up all your money. But instead of going into debt, you go to that same zero. So, either you're going down and up, or you're going up and down. But then they said, there's this third bucket where you're investing in things that kind of keep you on this growing like this graph that's going up, right? And it's growing up. So, these are investments, this is your real estate is your 401k and another places that you stick your money. And yeah, you're gonna be on that same staircase, but because you've invested in other things like real estate, you can borrow against those things and pay them back, but the value of that asset will go up over time. Again, the grandfather effect. And once I saw that graph, I really came to peace with myself with the lifestyle that I'm living, maybe the money that I'm spending or the savings that I have to spend in an environment like this, because it's normal, and you just have to find a way to navigate through these times that still creates wealth for yourself and keep yourself positive. Because if you let that negativity in and you know this better than anyone that that'll eat you alive.


Yeah, all the all the strategies in the world are not going to overcome negativity. Bro, believe it or not, you know quickly that went? We're done. Goodbye, peace out. How about that for a nice, smooth transition into ending? Anthony, dude, seriously, really, really great. I hope we get to do this again. There's so much more I want to ask you, but I'm just really hopeful that the people listening to this, I mean, you offered some really insightful things about, and by the way, I love the tangibility of about real estate, about the practicalities of investing and things. I'm not sure I want to get everybody involved in ADHD, you know, because you're, but what I loved about that is you know who you are, and you know how to say that. By the way, if you don't have ADHD, don't try to do a million things at once. If you can do it like Anthony, I think that's great. If not, I cannot completely promote that, but I do for you because it works, and I think it's awesome. But I wanted to thank you for being on the show, and just thank you for all of your insights. I just got a ton of notes and just grateful.

My man, you know, I'm a big fan here, so, I respect our time together. And hopefully I didn't take over the mic too much.

Are you kidding? I probably said too much, dude. Thank you so much. We're gonna have you back because I've just got, I've got a ton of other questions about things. But in the meantime, really grateful. And we know we can just hear it, you will be one of those ones standing there, and when you do, I'm sure there's plenty of future homeowners that are hoping that you're standing there, because you serve the world in a great way with your work. So, thank you for what you do. Be well, and thanks for being part of the inside interviews, bro.


Appreciate you. Thanks for having me.


And thank you all for listening. And we'll catch you next time here on the Insight Interviews.

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