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Speaker 1: Welcome to another episode of the Chicks on the Right

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podcast where we talk to our friend and sponsor of

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the show, Zach Abraham from Bulwart Capital Management. It is

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a brand new year, and out of the two of us,

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who would you guess does New Year's resolutions?

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Speaker 2: And who does not?

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Speaker 3: Zach? Dude, dude, dude.

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Speaker 4: I'm going out here and I'm going to say, it's

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Daisy the dozen years resolution. You did it? Ding ding ding?

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Speaker 1: Yes, she is a resolution like she writes them down, she.

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Speaker 2: Does the whole nine yards.

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Speaker 5: Yeah, I have one of those big have you ever

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heard I have one of those big ass calendars.

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Speaker 2: Have you ever heard of the big ass calendars?

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Speaker 3: No? But it sounds phenomenal.

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Speaker 2: It's great. It's like you track your whole year.

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Speaker 5: You can see your whole year in front of you,

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and you can like have milestones.

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Speaker 2: What do you want to do by this date?

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Speaker 3: Are you good at holding to them?

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Speaker 2: Not always? Not always?

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Speaker 5: Probably, Like last year was a really bad year, but

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like I would say, like a couple of years before

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that was I was a lot better at it. But

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like last year was just a dumpster fire. This year,

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I'm hoping to do a lot better, you know.

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Speaker 3: Well, hey, it was an election year, right, I mean.

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Speaker 2: It just was a bad year.

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Speaker 5: I think some years are for learning and then and

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I think last year was like a learning year, like

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it was supposed to teach us something.

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Speaker 2: I don't quite know what it is. It was teach.

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Speaker 3: It's funny. It's funny you guys say that because I'm

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thinking about it now. And as a family, we had some.

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Speaker 4: Really cool things, like we got into a new home

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and a place that we'd always wanted to be at,

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so that that was kind of a high lay with Maria.

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Speaker 3: But other than that, it was a really tough year.

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Speaker 2: It was bad all the way around. It was just

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terrible and everything.

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Speaker 5: Yeah, personally, it was just a bad So this year

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I think is going to be great for everybody, and knocking.

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Speaker 3: All the wood on that especially.

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Speaker 5: Right, yeah, right, it's a really great year for Venezuelan's right.

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I was like, and when it comes to finances, like

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if you are you know, if you were going to say, hey,

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what is one thing if somebody was just getting started

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and they wanted to make goals for the new year

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and they had not done any financial planning ever, Like

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say you got somebody who is thirty five years old,

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forty years old, and they've not done a whole They've

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not done anything like I used to be. I was

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that way once upon a time. I was.

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Speaker 2: Mok's always been a really great saver. I was not.

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Speaker 5: I also I was a dumpster fire in that realm too.

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But but if you could give one bit of advice

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to somebody starting out, like, what would be the first

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thing they could do in January? You know, besides come

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and see you and get all the advice, But what

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would be the first thing that you would say, Hey,

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this is what you need to do to get your

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life in order financially?

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Speaker 3: What would you say?

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Speaker 4: Obviously, for every person's going to it's gonna be a

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little bit different, right, depending on what they're dealing with,

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but debt would be the number one thing.

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Speaker 3: And but here's the thing.

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Speaker 4: I think that people make a big mistake when they

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approach fitness, when they approach debt, when they approach any

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of these goals, because the goal ends up being part

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of the distraction in a way. Right, Like when I

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start out to say I'm going to get rid of

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this much debt this year, okay, but what does that mean?

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Speaker 3: On Monday? January fifth, Right, how do you do that?

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You don't?

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Speaker 4: Right, So when we call that a goal, it's not

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and I sound like my old college football coach right now, but.

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Speaker 3: It's so true.

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Speaker 4: Meaning a goal is something that gives us directions Monday

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through Sunday. Right, It's stuff that we can tick off

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the list. And the whole point of that is is

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that we get in a rhythm where we're knocking off

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these things, relatively small things that we said that we're

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going to do each day, and then you get done

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with a ninety day stretch or one hundred and twenty

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day stretch, and you look back and you're like, holy

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smokes man, that really that really mattered.

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Speaker 2: Yeah, And I.

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Speaker 4: Am so passionate about this topic because I've done it

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in my own life a million times. I've done it

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the other way a million times, and it's not even close.

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Like whether it's working out, whether it's finances, it's baby steps.

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I don't just want to sound like, you know what

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about Bob?

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Speaker 3: Remember what about Bob? Yeah? Yeah, remember baby steps into

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the office, baby steps up?

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Speaker 1: Yah.

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Speaker 4: But it's just it's so true because we put these

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big goals in front of us and then we don't

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accomplish them in the first two weeks of the year,

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which you weren't going to anyway, and then you feel

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like a bum right then you stop.

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Speaker 3: Right. So it's like fitness people are like, I haven't

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worked out years.

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Speaker 4: Okay, make a commitment to walk twenty minutes to day, right, bright,

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just twenty minutes and maybe if you're more out of

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shape that ten minutes make get positive feedback and positive rhythm.

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And once you do that, it's just so much easier

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to keep it going.

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Speaker 3: You know it them making hat yes, yes, And so you.

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Speaker 1: Know that's super true when it comes to, like what

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we mentioned earlier, just surviving something, because it can seem

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so overwhelming when you're dealing with like a huge problem

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or a huge trauma of some sort, and you're just like,

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I'm never going to get through this. I don't know

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how I can get through this.

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Speaker 2: But all you have to do is just get.

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Speaker 1: Through the next ten seconds, and then once you do that,

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you can get through the next ten seconds after that.

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And I think people bite off more than they can

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chew all the time, and that's what can be so demotivating.

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Speaker 2: It's eating the elephant. You got to eat the elephant,

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one bite at.

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Speaker 4: A time, one bite at a time. And the analogy

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I've always used is you you know, and I think

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I've told this to you guys before too, But doing

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it the other way is literally the equivalent of standing

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at the base of the mountain and trying to wish

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yourself to the top.

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Speaker 3: Right.

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Speaker 4: And it may feel productive, it may feel like you're

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really focused in, but what should you be doing instead

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of that?

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Speaker 3: Taking a step right? Just one at a time, one

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at a time. And you know, I have reminders of

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that in my own life.

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Speaker 4: You know, not to brag, but Bullwork is closing in

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on a billion dollars under management.

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Speaker 3: It's crazy.

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Speaker 4: Praise God for it because it's one of those things

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people are like, that was always your goal And I

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was like, no, man, I didn't think I was trying

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to I was just trying to feed my family. I

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never dreamed we'd have a billion dollars under management.

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Speaker 3: How to happen? Just one day after another, right, just

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chopping wood.

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Speaker 4: And and everybody, it always cracks me up. You hear

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coaches and what's the secret to your success? What do

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you guys do different? I always want to stop it

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and be like nothing. They don't do any they there

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there is a recipe and a residue for success. And

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every successful person, regardless of whether it's playing darts, coaching football,

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or running a podcast, all successful people have things in common,

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which is they just keep the grind going and they

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don't focus on the outcome. And you know, anytime.

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Speaker 3: The Seahawks are.

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Speaker 4: Really popular around here obviously, and then they just you know,

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made number one seed in the NFC. If you listen

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to their coach talk, he talks about it all the time.

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Take your take your outcomes and throw them out the window.

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We have no control over outcomes. Outcomes are products of inputs.

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So what we should be focused on is the input

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and all too often that's not. When you talk to people,

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what are your goals?

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Speaker 3: Oh, it's this, it's that.

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Speaker 4: How often you have somebody say, my goal is to

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not buy Starbucks five days this week.

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Speaker 2: Yeah, that's a great goal. That's a great goal. Yeah yeah,

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and totally do it.

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Speaker 1: But do you get a lot of people in your

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practice that that are reaching out to you around the

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first of the year who say, my resolution, I want

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to save more, I want to pay off. I mean,

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do you hear that a lot. Is that common in

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the in the finance.

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Speaker 3: World, it is.

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Speaker 4: But there's a weird thing with our firm that I've

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never been able to figure out. Our busiest time is

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fourth quarter. Our slowest time is first quarter. Really really yeah,

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and we're kind of an opposite. And we've never been

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able to figure out why that is. Because most firms

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have what Daisy's talking about, which is our excuse me,

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Mok's talking about, which is you know, they're they're they're

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pushed by the new you know, New Year's resolutions things

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like that.

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Speaker 3: They want to come in and get things squared away.

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Speaker 4: Most of our clients typically come to us in the

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fourth quarter in preparation of the first quarter. So I

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don't well, I mean, look, most of our clients are conservatives,

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so they think things through a little bit better.

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Speaker 2: Right, They plan ahead.

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Speaker 5: Yeah, yeah, now on the one step at a time

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thing is really interesting because like when Mack and I

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started our company, you know, seventeen years ago, we did

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this same thing, like we were not I would have

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probably loved it more if we were like, let's make.

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Speaker 1: A plan for oh my god. She wanted to do

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a five year business plan all the time. I was like,

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I don't even know what that is.

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Speaker 2: Right, she We just we didn't do it, like, we

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never did that.

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Speaker 5: But what we did do, which that's why what you're

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saying resonates so much, is what we did do is

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we said we're going to write. Each one of us

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is going to write three times a day, every single day.

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We didn't make any money for like four years, not

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a single penny. We didn't make it, but then we did.

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We did because we were because we did exactly what

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you said. We did the grind every single day. We

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never not wrote like we would go on vacations with

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our families. We would every single day we wrote on

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that damn blog. We would write, and it was shade off,

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you know.

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Speaker 4: And I wish I could sit here and tell you

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that surprises me, but it just doesn't. Because there's this

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there's and I was a victim of this too. There's

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this thing, at least in my mind. I know it's

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in so many others that we see life as these

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big moments, right, Oh, my SHOT's.

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Speaker 3: Gonna come, My moment's gonna come. It's not true. It's

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not how it works.

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Speaker 4: Right, It's about opportunity meeting preparation and it's just those

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little steps every single day. And like I said, I

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you know, it drove my head to operations nuts too,

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because he was he's very analytical and when we first.

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Speaker 3: Started, he's like, well, what are the goals? And I said,

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the goals are action based.

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Speaker 4: I don't care what the production is, right, And it

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just drove him nuts for like the first three or

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four years.

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Speaker 3: And then he got it and he sat back and went.

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Speaker 4: Zach, had we followed those goals that I was going

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to lay out, they were less than where we actually

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ended up. And I was like, right, yeah, because they

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can be so self limiting, right.

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Speaker 3: Like, yeah, why don't you go out? And it sounds

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so corny, but it's so true.

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Speaker 4: Go out and work your tailoff, go out and dedicate

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yourself to what you're doing with everything you can. Let

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the end result take care of itself, right, It just

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it's not it. Don't ConTroll the outcome. You can't get

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rich in a year. Just just block and tackle, keep

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doing it and trust that it's going to add up

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to something. And whenever you see people do that, there's

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another big one too.

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Speaker 3: And I was a victim of this one too, there's.

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Speaker 4: The fear of doing that because it's your Like, if

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I do that, it becomes real, and what happens if

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it doesn't add up to something right, It's like this

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fear of failure that keeps you from doing it almost right,

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It's like, because if I fully commit to this and

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it doesn't work, then I'm really a bum. And that's

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that's just defeat whisper and lies in your ear, you

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know what I mean totally. If you do the processes,

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you don't miss you won't and I've never I've just

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never seen examples of.

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Speaker 5: That, you know, and you have to and you have

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to have faith, you know, and your efforts. You have

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to have faith, whether it is fitness or whatever. You

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have to have faith.

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Speaker 2: Because there were times I know where we look at

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each other and be like, is this worth it? Like

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what are we doing? What are we doing?

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Speaker 5: Because we're poor and we're doing this and we and

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we're really busy and we're moms and we have like

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three jobs and what are we doing? You know? But

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then we would encourage each other and say, yeah, it's

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worth it because we love it, and we love each

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other and we love our country. We want to do

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this and so and then and then it became worth it.

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And looking back, you know, we're glad that we You know,

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when you falter and you kind of go this, should

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I keep doing? Yeah?

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Speaker 2: You should keep doing it.

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Speaker 5: You should keep doing you should keep walking what twenty

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minutes a day or whatever it is you say you're

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going to do that, because.

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Speaker 2: Why would you not do that?

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Speaker 5: Because even if you don't, even if you don't get

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the big payout, you still walk twenty minutes a day,

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like when.

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Speaker 2: You're never going to be upset that you did it.

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Speaker 4: No, No, And like I said, the average person who

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is capable of so much more than they think, and

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the biggest thing that they have to do is just

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get the outcome out of your mind, marry the process.

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And it sounds so cliche, but it is. When we

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started Bulwark, we had no business starting it. We had

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no business starting a business, really we didn't. We were

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in a bad spot financially, and people looked at us

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and we're like, you guys are out of your mind.

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And my attitude was, I know, but I'm already in hell,

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so I might as well.

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Speaker 3: Get through it, right, Just don't stop.

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Speaker 4: What do you do when you're going through hell, anything

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but stop. You just keep on going and then tune

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out the noise. The other thing, the other piece of advice.

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I was giving this to a buddy of mine over

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over the holiday. Quit caring what people think.

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Speaker 2: Yes, that's the greatest advice.

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Speaker 4: They don't think about you, Okay, they don't does Who.

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Speaker 3: Gives a damn what they think?

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Speaker 5: Right?

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Speaker 3: Right?

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Speaker 1: Thing?

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Speaker 4: And don't care? Where you add up, it's the same thing.

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Why did you buy the car you can't afford because

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you care about what people think?

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Speaker 2: Exactly?

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Speaker 3: If we could.

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Speaker 4: Rid ourselves of that onsocial media, yourself to where you

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don't care. First of all, it's one of the biggest

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gifts you can give yourself because your sanity just goes

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through the roof. And second of all, it'll make you

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better at whatever you do.

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Speaker 2: I love this.

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Speaker 1: This is the perfect way to kick off the new

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year's words of inspiration.

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Speaker 2: And people can hear a lot more of those when.

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Speaker 1: They tune into you on your various shows, platforms, webinars, newsletters,

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whatever it is that you do.

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Speaker 2: Tell people how to find you.

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Speaker 3: It's a new year, but it's not a new transition. Master.

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Speaker 2: She's fantastic shouldn't even get rusty.

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Speaker 3: No, I think it's a little bit shined up.

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Speaker 4: It had a little twenty twenty six gleam take.

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Speaker 3: Yeah, well there aren't any new pennies anymore, right, that's right. Yeah,

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it's like a new nickel. Oh yeah, so great.

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Speaker 4: Easy to find Google, Bordcapitalmanagement dot com Know your Risk

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Rady or excuse me, no, your riskpodcast dot com. Yeah,

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we're not not hard to find, Google, Zach Abram Borck

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Capital Management.

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Speaker 2: Yeah, perfect, happy to hear, is Zach right?

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Speaker 3: Happy New Year's Ladies. Investment advisory services offered through Trek

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financialc and SEC Registered Investment Advisor.

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Speaker 4: The opinions expressed in this program for general informational purposes

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only and are not intended to provide specific advice or

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recommendations for any individual or on any specific security. Any

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references to performance of security so it thought to be

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materially accurate, and actual performance may differ investments involved risk

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and are not guaranteed.

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Speaker 3: Past performance doesn't guarantee future results. Trek twenty four three

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zero eight