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Speaker 1: Right now, I am hypersensitive, and I know you love

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using AI, and I don't blame you.

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Speaker 2: I think it is a remarkable tool.

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Speaker 1: However, it is going to be the single greatest disruptor

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of a lot of businesses, like accounting, like legal debt. Absolutely,

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all these folks hiring all these third world country call centers,

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all these folks are done.

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Speaker 3: They just don't know it yet.

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Speaker 4: You are listening to Carrie Letz's Financial Survival Network, where

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you get valuable information you just can't find anywhere else

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to thrive in today's trying times. You need the Financial

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Survival Network now more than ever. Go to Financial Survivalnetwork

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dot com and get your free newsletter and gift. Financial

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Survival Network now more than ever.

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Speaker 3: And welcome.

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Speaker 5: You are listening to and watching the Financial Survival Network.

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Speaker 3: I'm your host, Carrie Letz. Well, if you thought about brand.

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Speaker 5: Lizing, if you thought about you're tired of working for

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a corporation, you want to go go out and do

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it on your own, then you want to hear from

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my next guest. His name is Cliff Nnnenmacher. Hope I

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got that right, Cliff.

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Speaker 3: Now though, now, now, hey, that's good.

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Speaker 5: Usually I asked first, but I forgot because we were

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so engrossed in what you were doing. So you had

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a career basically working for Morgan Stanley and investments, and

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something happened in two thousand and three and you just

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said no, mos tell us, tell us about your journey.

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Speaker 2: So that I appreciate it and thank you for having

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me on the show.

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Speaker 3: I appreciate. I like listening in.

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Speaker 2: So going back, I've been an entrepreneur most of my life.

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Speaker 1: I was I've been an entrepreneur at a very young

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age by mainly small businesses things that I've created, whether

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it be food delivery or water sports, parasol boats, all

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that type of stuff. And then I was making money

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at a young age and I bought a satellite trading

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system and I started trading stocks. I fell in love

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with the concept, took my portfolio to Wall Street and

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got jobs from all member firms, and I ended up

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taking a position with At the time, it was Solomon

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Solomon Smith Barney, as you know is now Logan Stanley.

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So I was with a team we were managing back

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in the Asian contagion. I know you're a very astute

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with financial market, so I'm going back a while y

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two k Asia Gatasian, I was manager on two hndred

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and fifty million. I was with a group. It was

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called Comprehensive Wealth Management, and I had one of those

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bad boss moments and I really always wanted to go

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back out on my own. I love financial services, don't

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get me wrong, I love it. But I realized that

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I think I might want to go back out on

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my own. Had a bad boss moment. He made a

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silly decision, in my opinion, I asked for a printer.

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This is not a big deal. I asked for a

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printer to be on my side of the building. There's

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about fifty brokers. We were all share in one printer,

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one leg smart network printer. Who's absurd? Yeah, sorry about that?

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Yeah problem? So yeah, go ahead. Do you need to

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tune something?

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Speaker 5: No, No, that's okay, go ahead, I'll just make a

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note here, will edit accordingly.

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Speaker 3: Don't worry about it. Sorry, no problem. That was fun.

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Speaker 1: So we had this one printer networked with fifty brokers.

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Every time I'd walk across the building and get my stuff,

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it was gone. So I asked them for a printer. Said,

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if you want one, get one yourself.

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Speaker 3: So I did.

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Speaker 2: The printer was two hundred and fifty dollars.

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Speaker 1: I figured out how to refill and re manufacture a

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used empty toner cartridge and I actually started looking into

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it and I found a company in Australia that reverse

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engineered the toner, the inks I am agenta yellow right,

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all of them, and the chips, even the secret handshake

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chips at chip Resetters.

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Speaker 3: And I bought. I'm I'm like, you know what, I'm

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going to buy.

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Speaker 1: This company from Australia, and I'm going to scale it

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in the entire state of New York and Connecticut. And

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that's what I did. I ended up leaving financial services.

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That was my entrance into franchising. I scaled thirty six units,

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sold it, moved to Florida with my wife, Nicole, and

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my business partner and I justin came down here and

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we started buying other small businesses, and we mainly bought failure.

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We looked for blood in the street, like Warren Buffett says,

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if you're not going to kick them when they're down,

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when do you kick them?

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Speaker 3: Right?

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Speaker 1: So we ended up looking for failure. We would pay

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the failed business, let's say, ten cents on the dollar,

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immediately implement the franchise methodology, turn it around profitability, and

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then sell it for a nosebleed multiple and do it

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again and again and again. And we did it and

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obviously generated millions of dollars in profits, and we created

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a insulting company. From that came this revelation that most

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people you know this better than anyone. Most people lack

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investment discipline. They have no restrict adherence to anything, They

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have no real due diligence process. They are highly emotional,

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they're irrational, illogical, and they end up investing in things

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they know nothing about. When it goes down, may sell

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it and panic and lose money they never viewed as

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a sale and buy more. If you think about the

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average investor in the way they behave and why most

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people are not wealthy, that attitude is in small business

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and we basically found opportunities by buying those family businesses

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and then growing them and selling them.

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Speaker 6: You still buying small businesses now at this point, now

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we invest in the franchise, or so we make investments

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in the franchise concept.

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Speaker 1: We try and find brands that are in that embryonic

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phase where we could get a lot of value or

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a significant percentage of ownership in the brand.

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Speaker 3: We'll do that.

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Speaker 1: But our core competency is our franchise consulting company called Frenocity,

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and we help investors navigate this very daunting process and

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help them identify what should I buy, what franchise should

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I purchase, what should I invest in? What should I

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be doing in this next phase of my life. Most

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people just hate corporate America. I've been doing this twenty years.

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I've never heard more hatred for corporate America than I

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do today. And I think vaccine mandates and just culture

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and DEI and all this.

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Speaker 3: I'll call it horseshit. You could edit it if you want.

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I thank you. We're a family show.

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Speaker 5: But I just cursed for this second time in fourteen

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years on my prior interviews, So don't worry about it.

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Speaker 3: All right.

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Speaker 2: It's just like it's nonsense. It's absolute nonsense. Thankfully, it's dying,

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which it should.

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Speaker 3: Coin.

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Speaker 2: DEI is death to every industry.

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Speaker 1: It's the kiss of death, and you're starting to see

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it now, so thankfully that's starting to fall apart.

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Speaker 2: But I think a lot of people just tired of it.

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Speaker 6: I thought DEI stood for didn't earn it, didn't That's

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my fave too. I love that one.

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Speaker 3: Yeah, they didn't earn it.

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Speaker 1: It's yeah, it's just based on nonsense. There's really no metric. Yeah,

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it's not a merit system.

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Speaker 5: Well, you know one thing though, I always like to

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see a DEI pilot when I got on the airplane,

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you know, because it just makes me feel good about

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my country and myself.

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Speaker 3: Right, it's right. I always look in the cockpit. It's

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so true.

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Speaker 2: That's the one area that I want to know.

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Speaker 1: It's like, it's like this guy asked me years ago,

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back when I was in financial service. He goes, does

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it really you talk about expense ratios? One percent, two percent?

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Does it really matter? And I said, I have two

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parachutes in my hands. One of them has a ninety

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seven percent success rate and the other one has a

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ninety eight percent success rate. Which one are you going with?

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It's only one percent?

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Speaker 7: He's like ninety eight Of course, of course, why would

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anyone shoot exactly, why would anyone choose a parachute that

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has less reliability than the other one. So it's like,

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percentages do matter, right, these things do matter? This whole

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who's up in the cockpit. Where did you graduate? How

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many flight hours? It all matters.

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Speaker 5: Oh yeah, yeah, it's so true, and it seems it

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should be self evident, but not the purpose of us

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talking together. But really it fits in will right. It

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is very relevant that you got to have the right training,

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and because you have to acknowledge your failings, you know

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you don't have the discipline that you should because you

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weren't trained to have it, So you better get it right.

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Speaker 3: That's right.

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Speaker 2: Look at Sully.

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Speaker 1: Look at this guy that land I mean, come on,

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this guy is like a rock star landing this plane

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in the US, and it's just remarkable what he's done.

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I'm afraid that the lion's share of pilots could not

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achieve that water landing.

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Speaker 2: I'm sorry, I don't I don't.

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Speaker 3: Yeah, I agree with you. I don't buy it, Carrie.

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Speaker 5: Hey, I have a friend who's a pilot for major

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airline for forty five years, and you know, they just

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don't make them like that anymore. Although you know the

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art evolves in business too. Right, you want the Sully

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to teach you what to do. I don't want the

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guy who basically Sully fired, that's right.

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Speaker 1: Right, I want someone with battle scars. I like older doctors.

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I take all that stuff I like. Yeah, I like experience,

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and this is why people are trying to erase our

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past so they can control our future.

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Speaker 2: I don't go for it. I want to learn from that.

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Speaker 3: Yeah it is. I think I's over now, but I'm

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with you.

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Speaker 5: Yeah, you know that old joke, what do you call

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the guy who graduated last in his class in medical school?

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Speaker 2: The best doctor?

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Speaker 3: Doctor? Right? Doctor?

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Speaker 1: Right?

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Speaker 3: So true? So you know, like you want to go

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to the best.

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Speaker 5: So when you're looking at a franchise, okay, you get

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in on them early.

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Speaker 3: What do you look for?

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Speaker 5: And what should a franchise e someone who's looking to

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buy a franchise, what should you look for?

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Speaker 3: Yeah, that's it, that's great.

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Speaker 1: Now, most people don't ask that those specific questions. When

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I'm looking at a brand, I'm starting with proof of concept.

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Speaker 2: How many locations do you have?

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Speaker 3: Two?

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Speaker 1: You have proven nothing, even though that location might be

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doing a million. And let's say you know some area

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of California with average household income of two point fifty,

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you haven't proven that that concept can work well in Austin,

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Texas or Tampa, Florida. So I really don't have proof

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of concept with a small number of units operating in

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a very specific geographic market. I then look at the founders.

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I look at the executive team. I look at their

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ability to support the franchisees. I look at the FDD,

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the franchise Disclosure Document. I'm looking for background lawsuits, bankruptcies.

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I'm looking for failure rate. I'm looking for the growth

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of the model. And I'm looking at the financials of

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the franchise or, which must be audited and included as

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an exhibit in the FDD every single year that they

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make their offering.

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Speaker 2: So I'm looking at a multitude of things.

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Speaker 1: Enfranchising support, support, support, proof of concept, the ability to

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scale it in any market is important to me. But

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then I have to match it up with the investor.

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Who's the investor. The investors' high net worth will define that.

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Let's just say they have a net worth of a

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million and they're an engineer. I don't want to put

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them in a sales organization unless they have more capital

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to hire the skill sets that they don't have, which

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is a big issue in franchising. People get attracted to

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business says they don't belong in and That's how I

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created wealth in the beginning, buying the failure you didn't

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belong here, That's how we created fernocity. They bought businesses

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they never belonged in to begin with, and because they

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lacked discipline, they weren't really matching themselves with the right

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brand or culture, and they didn't execute properly.

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Speaker 5: All right, So if I'm looking for a business, now,

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what are the best areas? Do you think franchises?

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Speaker 3: Right now?

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Speaker 1: I am hyper sensitive and I know you love using AI,

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and I don't blame you.

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Speaker 2: I think it is a remarkable tool.

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Speaker 1: However, it is going to be the single greatest disruptor

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of a lot of businesses, like accounting, like legal. Absolutely,

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all these folks hiring all these third world country call centers,

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all these folks are done.

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Speaker 2: They just don't know it yet. So I am old

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they're gone.

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Speaker 1: Oh they're going to be. They're not gone yet, but

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they'll be one of the first to go. The systems,

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the AI systems are so intuitive now they could route

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calls and they could do basic tech support, basic answering.

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I mean, look, look what you and I are able

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to do right now on the fly. You could ask

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me nearly any question, I'll have an answer to you

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pretty quickly. It's remarkable. So when you ask me, yeah,

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when you ask me that question, I'm looking for businesses

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that are basically AI proof, and they're Amazon proof, They're

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tried and true, and the services are performed locally. So

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I love all things home services, non brick and mortar

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home service brands, because I believe that people who can

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use their hands and tools are going to be the

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most protected asset class in a world of AI.

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Speaker 2: I believe that those but absolutely I do believe that.

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Speaker 1: I think that your average plumber is going to have

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the income of today's attorney.

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Speaker 3: If you're not.

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Speaker 1: If you're a trial attorney, you'll be okay because again,

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your feet on the street in the courtroom, if you're

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a desk attorney doing basic evictions and basic legal work,

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your toes. I use AI for free to evict a

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tenant in the state of Florida. It gave me step

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by step instructions. I didn't even need a lawyer, and

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the guy was gone.

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Speaker 5: I gotta tell you a funny story about a This

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is when I learned started learning the power of it.

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Speaker 3: Cliff.

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Speaker 5: So I used to pay somebody to write show notes

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to all my podcasts because you know, it's time consuming.

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It was a job I really did not enjoy. And

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you know, then they came out with these note takers

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for Zoom and it would basically build a transcript of

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your conversation and it would summarize it. So I was

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using that and then I said, wow, if I combine

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it with chat GPT, what would happen then? And let

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me tell you, Like, basically I let that person go.

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I felt really bad because she was a very talented individual.

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Speaker 3: She was amazing. But you know, money is money, and

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you know you got to you know, you're always.

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Speaker 5: Looking at control costs, right, so so I know exactly

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what you're talking about here.

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Speaker 2: We're doing it right now.

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Speaker 1: Yeah, like right now where the transcript is being created

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by AI as we speak every this machine is hanging

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on our every word and we'll transcript this entire episode.

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I mean, come on, we I agree with you. We

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were paying a guy at John. I love you, I

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think you're phenomenal. Just like Kerry said, we love the

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people we work with an employee, but at the end

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of the day, we're running a business. We were paying

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John around fifty thousand dollars a year to be a

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creative writer. Well, guess who is more creative than John

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chat gptgpt right.

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Speaker 5: The most creative ever. And I've just written a book

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I've used the AI. The books is based on a

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series of interviews with this gentleman named Martin Armstrong, Leading

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Economists in the world, leading forecaster, and I had fourteen

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years of recorded audio with him, and you know it

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was it would have been impossible to do it any

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other way, but I summarized them and then I used

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it to summarize right, and that was that so amazing stuff.

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Speaker 3: It really is so in my world.

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Speaker 1: I want to embrace it for productivity and of course

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cost savings. I'm but as I'm advising clients, I want

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them to be invested in businesses that will not be

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disrupted by AI. I mean liberty tax. I think like

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liberty tax, H and ur Doc I think they're toast.

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Speaker 6: I Kerry, I believe they're dead. Yeah, I know, yeah,

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I think done even a question. No, I couldn't agree

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with you more. You know Handyman franchise, though there's a

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shortage of Handyman, so we wanted to create something called

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Handyman University.

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Speaker 3: You know that you're exactly right. I want to be

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so one.

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Speaker 1: I have four themes that I like in business enfranchising

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right now that I think have let's say, a ten

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to twenty year runway before really being disrupted. The first

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one I like is I believe that we have feminized

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men in America. When I say that, totally okay, preach

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into the choir here more. Yeah, the audience. Some people

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get offended, and that's fine. There are things that I

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believe it and I say it. So I believe that

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we have feminized them, not only with the foods they eat,

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lowering their testosterone levels, lowering their sperm count.

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Speaker 3: Boy, what right, right there you go? You said it?

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Speaker 1: So with that, in addition, excuse me, In addition into that,

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we've also, as dads, not taught our children how to

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use their hands, how to be independent. Fire at Bengo

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absolute light switch. First thing I did with my son.

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He got his car driveway, jacked it up, took all

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four tires off, put them all back on again, right

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and then and then he actually needed it. He's sixteen.

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He actually needed to remove a tire because he had

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hit a curb and got a flat and it was

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like that, I can't believe it, Like we just did

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this and the average person, to your point, doesn't even

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know how to do that. So I do believe that

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people could use their hands, people who can be a

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handy man. People could do basic drywall work or plumbing

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or electrical or roofing or sighting a window replacement in flooring.

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Speaker 2: I believe that these people will be in high demand.

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Speaker 1: I believe that we have shit on the trades for

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so long that we have created this, this gap, this

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major deficiency, right absence of people could use tools because

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we told them all to go to college to study

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things that they really don't want to study about and

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go into debt for one hundred and fifty grand.

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Speaker 5: Pubdactory in English history, you know, and gender studies, right

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fender studies and humanist studies. So so how do you

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learn how to become a handymanned?

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Speaker 2: Yeah, I mean what? So we had we have a

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podcast as well.

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Speaker 1: It's called Pursuit of Profit in the guys, it's all

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franchised discussions. It's nothing like your show. Your show is

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very unique. So when you talk about that, we had

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a guy in the show and say, hey, how are

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you scaling your HVAC company? He ended up buying an

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HVAC company for four million and scaled it to three

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hundred and fifty million. How he went straight to the schools,

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went after the guidance counselors who were the kids that

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you know are not going to college. I want to

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train him. I want to give him a skill set.

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I want to have them monetize a skill for the

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remainder of their life.

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Speaker 2: Want them to work for me. And that's what he did.

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Speaker 1: He created little little schools and four states where he

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operated his HVAC company, recruited him straight out of high school,

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gave him a skill set.

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Speaker 2: So right now it's all about mentoring.

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Speaker 1: It's it's like Mike rowe stop insulting the trades, right stop.

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We have to stop that nonsense where we've made fun

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of people who said, I'm not going to college, I'm

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going to vocational school, I'm going to trade school.

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Speaker 2: I want to be a journeyman. Like, we have to

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stop that.

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Speaker 1: Not we need these people driving over bridge exist. I

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know it exists. I mean it's crazy to me, so

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I think that I think that after and you know

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what I'm talking about, All these presidents of the Ivy

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League schools testified in congress. Each one looked like an idiot,

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one after the other after the other, look like a show.

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Speaker 3: To run a hot dog stand.

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Speaker 5: Those more absolutely, they were disgusting their.

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Speaker 1: Antswer, We're disgusting. Their view of the world is running

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the out book. Yes, yes, I completely agree. I was

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completely disillusioned. I said, how the heck did she get

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to run the U OFP and mit, you know and like.

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Speaker 3: All this crap.

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Speaker 5: I mean, I just I know, we believe it, Cliff,

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I mean I was in shock. So let's get back

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to our topic. Befre here. So physical trades, guys who

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do tile, guys, kitchens, redo kitchens, bathrooms.

404
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Speaker 3: What else. Yeah, you're not going to hook to fix

405
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cars soon.

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Speaker 1: No food, So you don't hear me pushing food. I'm

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not pushing fitness. I like four categories. Number one, use

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your hands. Men's health. There's a war on men. I

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talked about it. Sperm count for Western male down fifty

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percent in last decade.

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Speaker 3: That is by design.

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Speaker 1: As you introduce socialism, you introduce low t right, it's

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it's all coordinated.

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Speaker 3: Second can making me now?

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Speaker 1: Second category is so the humanization of pets and animals.

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Speaker 2: We humanize them. We're not repopulating.

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Speaker 1: We humanize pets in what way?

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Speaker 3: Like talk to me. I mean it's like, how do

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you like your pets? Not your dog?

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Speaker 5: Isn't You might love them the pieces, but it's not

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a substitute for a person, right.

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Speaker 3: Oh right?

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Speaker 1: That part is the illness part, right, Dressing them up

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and calling them your furry baby and not being able

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to function in society without petting your cat, dog or alligator.

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Speaker 3: This is where it's.

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Speaker 1: Now becoming a mental illness or a human being running

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around thinking they're a cat or a fox is.

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Speaker 3: Let's be clear here.

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Speaker 5: We're not saying is anything wrong with having pets. We

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love pets, you and me both. I could tell you're

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a dog guy, but it's not a substitute for human interaction,

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which it's been positive Pushkaz, right totally.

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Speaker 1: We humanize them, and you're exactly right. So I'm only

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saying I'm not talking about the humanization. I'm saying, as

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an investment thesis, the humanization of pets and animals is

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a huge opportunity for boarding, training, grooming, retail anything involving

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these animals where you capitalize off of it. My third

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category is the agent graying of America. Where we're not repopulating,

440
00:23:30,000 --> 00:23:32,400
there's a lot of work to do, whether it's mobility,

441
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whether it's assisted living, whether it's a real estate play,

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whether it's a state sales and auctions or a state planning.

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Franchising offers a lot of avenues to deal with the

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elderly and not just care for elderly. You could do

445
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a lot of just mobility. I have brands that deal

446
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with scooters, wheelchairs, striker beds, chair lifts and stare lifts

447
00:23:55,079 --> 00:23:58,960
and all that stuff. And my fourth category that I

448
00:23:59,160 --> 00:24:03,440
like is everything around biohacking, which is becoming a huge

449
00:24:03,480 --> 00:24:07,240
move right now. I mean, I have lymphatic drainage brands

450
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that do over a million a year on average revenue.

451
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We have testosterone therapy brands that do over a million

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a year in revenue, which ties back to the number

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one category that we discuss. So there's a lot in

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the biohacking space, whether it be peptides or nacs or

455
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just you know, wanting to focus on things other than

456
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just cardio and strength training, to get balanced, to get centered,

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and to get healthier. So and beauty and vanity. So

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I put that all into category four biohacking, beauty, vanity

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to the desire to feel youthful, the desire to feel whatever,

460
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beautiful or sexy, whatever you're looking to be.

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Speaker 3: That's right.

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Speaker 2: Those are my four categories.

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Speaker 1: And I believe that clients that work with us, my

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business partner, Justin and I in those categories end up

465
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seeing clarity and realize I'm Ai proof, I'm Amazon proof.

466
00:25:01,440 --> 00:25:05,519
What we're talking about cannot be done through Amazon or Temo.

467
00:25:05,920 --> 00:25:08,759
Temo is becoming popular now taking.

468
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Speaker 5: Care from scam. Temo is a total data mining scam Chinese.

469
00:25:14,119 --> 00:25:16,680
That's what I'm hearing. Yeah, not a fan of Timo,

470
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but uh and I bought some stuff from them. It's

471
00:25:20,400 --> 00:25:23,160
they make their thing addictive. It's kind of like Amazon,

472
00:25:23,559 --> 00:25:26,559
but it's like Amazon on the cheap. It's like right,

473
00:25:27,000 --> 00:25:29,880
So all right, well, Cliff, So to sum it up,

474
00:25:30,519 --> 00:25:34,319
your average client, what's their age demos?

475
00:25:34,640 --> 00:25:36,599
Speaker 1: Yeah, well, we're seeing younger people, but I think the

476
00:25:36,640 --> 00:25:38,680
average is going to be like forties and fifties. They

477
00:25:38,680 --> 00:25:41,880
have a little of that money put aside. They have

478
00:25:42,039 --> 00:25:44,920
they have the liquidity, they have the ability to say

479
00:25:45,000 --> 00:25:48,240
I quit, or they have the ability to keep their

480
00:25:48,319 --> 00:25:51,480
job and enough skill set and bandwidth to run a

481
00:25:51,519 --> 00:25:55,119
business on the side by managing the manager. Average networth

482
00:25:55,160 --> 00:25:57,599
for a client is probably five hundred to seven hundred

483
00:25:57,599 --> 00:26:01,839
and fifty thousand net worth. The average liquidity requirement that

484
00:26:01,880 --> 00:26:04,160
I need is around one hundred hundred and fifty.

485
00:26:04,160 --> 00:26:07,440
Speaker 5: That's almost not that much, really much, yeah, one hundred

486
00:26:07,519 --> 00:26:10,440
Now did they get SBA loans or what do they do?

487
00:26:10,480 --> 00:26:14,720
Speaker 1: That's exactly what we do to bridge the assets will

488
00:26:14,759 --> 00:26:18,880
go to well, do SBA Small Business Administration loans or

489
00:26:19,240 --> 00:26:20,720
on scured lines of credit?

490
00:26:21,079 --> 00:26:24,119
Speaker 5: How much usually cost? I should say how much they

491
00:26:24,160 --> 00:26:26,680
usually have to borrow? What's the total all in cost?

492
00:26:27,519 --> 00:26:30,599
Speaker 1: So in a non brick and mortar brand, your total

493
00:26:30,640 --> 00:26:33,599
investments between one hundred and one hundred and fifty thousand

494
00:26:33,640 --> 00:26:37,160
on average. In a brick and mortar brand, you're starting

495
00:26:37,200 --> 00:26:41,319
investments really three three fifty and up quickly. Right, There's

496
00:26:41,359 --> 00:26:43,160
not a lot at that three three fifty range, but

497
00:26:43,200 --> 00:26:45,119
it does start in there. But to your point, you

498
00:26:45,599 --> 00:26:49,559
quickly could get to a half a million. Yeah and yeah,

499
00:26:49,599 --> 00:26:51,359
And you know, for the folks listening, it's like, well,

500
00:26:51,359 --> 00:26:52,960
how do I buy a half a million dollar brand?

501
00:26:53,920 --> 00:26:56,000
You would put up thirty percent of the size of

502
00:26:56,000 --> 00:26:58,400
the deal. So if you're looking at a five hundred

503
00:26:58,440 --> 00:27:01,279
thousand dollars brick and mortar brand, you would be putting

504
00:27:01,359 --> 00:27:04,240
up one hundred and fifty thousand dollars of your own capital,

505
00:27:04,519 --> 00:27:06,400
and then we would get you an SBA loan for

506
00:27:06,440 --> 00:27:10,400
the balance our underwriter require might be thirty percent cash injection.

507
00:27:10,839 --> 00:27:13,599
Speaker 5: Really interesting. We're definitely going to have you back on.

508
00:27:13,839 --> 00:27:20,160
You're our official franchise expert appointed by the Financial Survival Network. Cliff,

509
00:27:20,880 --> 00:27:22,599
just tell us how do we find you on the web?

510
00:27:22,599 --> 00:27:23,599
How do we connect with you?

511
00:27:24,359 --> 00:27:27,519
Speaker 1: I'm name of the consulting companies for Anocity, so it's

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00:27:27,720 --> 00:27:31,839
f r A n ocity dot com.

513
00:27:32,279 --> 00:27:35,680
Speaker 5: All right, excellent links in the show notes, this interview

514
00:27:35,759 --> 00:27:39,720
on Financial Survival Network dot com. And while you're there,

515
00:27:39,759 --> 00:27:42,160
we just ask that you sign up for your free newsletter.

516
00:27:42,960 --> 00:27:47,119
Over sixty thousand of you have already and hopefully more.

517
00:27:47,319 --> 00:27:50,400
We're shooting for one hundred. Cliff, really appreciate you coming on.

518
00:27:50,519 --> 00:27:51,599
We'll talk to you again soon.

519
00:27:51,880 --> 00:27:54,000
Speaker 3: Thanks for having me, Carrie, Thanks.

520
00:27:53,799 --> 00:27:58,160
Speaker 4: For listening to Carrie Lets's Financial Survival Network. Your solution

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00:27:58,440 --> 00:28:02,279
to today's trying time for the latest go to Financial

522
00:28:02,319 --> 00:28:07,960
Survivalnetwork dot com. Financial Survival Network now more than ever