Finding Holistic Wealth: Balancing Health, Relationships, and Finances with Dr. Jeff Anzalone

Josh St. Laurent: Welcome to the Wealth in Yourself Podcast, a show dedicated to helping you master the complex subject of money by simplifying it through stories and actionable advice. I'm Josh St. Laurent and this is Wealth in Yourself. Josh St. Laurent: Welcome to the Wealth in Yourself Podcast where we help people to design their ideal life and take control of their time and money. I'm your host Josh St. Laurent. Today we're joined by the debt-free doctor, Dr. Jeff Anzalon. Josh St. Laurent: He has been a periodontist with 300K in student loan debt to a thriving real estate investor. The eye-opening moment for him was when he broke his wrists and realized that without his hands he wouldn't be able to secure his family's financial future. Today we're going to dive into that journey and talk about the importance of mindset and why it's important to focus on health, wealth and relationships. Dr. Anzalon, welcome. Dr. Jeff Anzalone: Glad you're here. Yeah, thanks for having me. Looking forward to it. Josh St. Laurent: Absolutely. I touched upon the story just now to go from 300K to a loan debt to a thriving real estate investor. Can you fill in the middle? How did that happen? How did that come to be? Dr. Jeff Anzalone: When I finished dental school about 20 years ago, really the main financial gurus were Dave Ramsey and Suzy Orman back then. If you know anything about Dave Ramsey who I mainly followed, he was a big anti-dit guy. He cash for everything, do the seven baby steps. That's what my wife and I followed. It took about seven and a half years to pay off the $300,000 in student loan debts plus some other smaller debts plus that first home we purchased. I thought whenever I reached that point, it was just like, okay, there's going to be this grand celebration and it was going to last a lifetime. Dr. Jeff Anzalone: The enjoyment wore off after about 24 hours. Then I was kind of like, well, I guess I just have to work for the next 30 years and all the other dentists. About two or three years later, we went snowskying at the time my kids were I think six and eight and I fell, got the wrist injury. That was really my wake up call. It's kind of hard to practice dentistry without using your hands. I knew at that point, yeah, I did have disability insurance, but it wasn't going to cover me for my lifetime. I had to do something. I had to look at other places to do something, not to go. A lot of times people get into searching for passive income because they want more money or they want to buy stuff. I did it more for risk mitigation. If something happened to me or I couldn't work, I could still be able to provide for my family and that's how I eventually got into it. Josh St. Laurent: That's really fascinating. I want to dive into why real estate and some of the properties that you did, maybe before we go there, can you talk about what it was like to be 300K in student loan debt and how you got out from underneath that? What was that process? Dr. Jeff Anzalone: Up until that point, I never had any debt before. I guess in the back of my mind, it was kind of like, okay, well, I got all this debt. Maybe this is how people think about it. I got all this debt, but when I get out, I'm going to make a good income. It's not going to be that big of a deal. Two weeks before I finished my training, the group that I was supposed to go in with, they pulled the deal out from under me. It usually takes like a happy year, sometimes a year, to get everything in order to go work in a practice. Dr. Jeff Anzalone: Now, I've got the U-Haul packed up. I have a two month old, 300,000 student loan debt. They don't teach you how to run a business or practice or anything about money in dental school or medical school or whatever. That really put me back behind the eight ball because before I had a scarcity limited mindset from growing up, we can't afford this. That costs too much money, those sorts of things that you hear. It really put me back to that big time because now I'm in this scarcity mode. I had to cling on to everything that I had. I had to scrape and save, just to provide for my family. I started mowing yards again as a parent honest. It was very humbling because I used to do that at high school. I had to do whatever I could just to pay those bills early on. Dr. Jeff Anzalone: You know what? I'm not afraid to work. I'm not afraid to work now. I was working at out of multiple offices and everything. Once I got to the point where I was paying the bills, then I could get to the point where I started really attacking that debt. Dave talks about the debt snowball. Tacking that first one, that smallest one. Then once that one's done, you take all that money, you roll it over to the next one and so on and so forth. That was how I just pretty much followed his plan. I think it was really good for me because I didn't really have a whole lot of financial education back then. With all those things that had happened to me, it gave me some structure to follow different steps. Dave Ramsey is more for the typical American, I think. Most of them live paycheck to paycheck. Dr. Jeff Anzalone: They don't know how to handle money and it's good to get them out of debt and keep them out of debt. Then you have people that make a good income that are like me, that have this entrepreneurial drive. Not everybody's, some people are very comfortable working for people and that's what they need and they need a paycheck and a 401k and benefits and that's fine. I don't want to say everything that I do, you or somebody else has to do because you're not like me and I'm not like you. But for people like me, this was the path that I took. I want to be my own boss. That's why I have my own practice, I have my own businesses. I don't want to work for people. But again, there's other people like my brother, he's a civil engineer. He would much rather just work for somebody and he's fine and content and that's great. Dr. Jeff Anzalone: He's got a lot of strength for different folks. If you're listening to people out there, financial gurus or whatever, take in what they have to say, but you need to use your brain that God gave you to think to the point where you know what's best for you. You got that gut feeling because I've taken stuff that I've learned from him, Dave Ramsey. I've taken stuff that I've learned from Grant Cardone, from Robert Kiyosaki, from Susie Orman, from all these different people and I'll take what I think would be best for me, what you should do to think was best for you and then apply them to your life in the move on. Josh St. Laurent: Hello, everything you just said. I mean, you're definitely in the right place. We have a lot of people listening who are entrepreneurs as well as real estate investors or aspiring to be real estate investors. And I'm picking up on a lot of the things that you said that transcend a lot of the people that I talk to, you know, you are seeking out knowledge from other people who are experts in that field, right? You have a strong work ethic. You'll do whatever it takes to get ahead. And it seems like that has been a common theme ever since you started off with the debt. You know, how does that translate to like what you're doing today? Dr. Jeff Anzalone: I'll kind of go back in time a little bit when I had that wrist injury. That was my wake up call because like you look at people that make big transformations in their life. Let's take some of that loses like 200 pounds. Usually when you ask them, man, how'd you do that? It's usually something happened to them at a heart attack, had a scare, had something. Dr. Jeff Anzalone: I have my pastor tell us we don't change without pain. I wrote it down right here so I don't forget it. I read it every day. I think about that. You don't change without pain. Everybody likes to be in their comfort. People hate change. Last year I went from paying my employees with checks to next payroll. Good news, girls. We're going to do direct deposit. You don't have to go to the bank. You just you wake up every other Thursday. You got money in your account. It was literally like pulling teeth. You would have thought the end of the world was coming because of hate change. You know, everybody's setting their ways. And now when you ask them, oh, yeah, I love hate going to the bank. I love direct deposit. That's the thing. I love to change without pain. My pain was from, yeah, physical pain from the wrist injury, but also the pain that, what would I do if I couldn't provide for my family? Dr. Jeff Anzalone: Once I started looking at what other wealthy people do, and when I say wealthy people, I'm talking about like multi millionaires, billionaires. Two main things stood out and that's what got to me to real estate. Number one, 90% of these people invested in real estate. Back then I didn't own any real estate. These people have multiple income streams, typically seven to ten. Back then I had one. That made me focus on, okay, I need to invest in real estate from multiple income streams. Once I started hanging around these people, it was funny because you go to these conferences or your network with them and you say, well, what do you do for a living? They don't do anything. They don't say I am a blank. I am a dentist. I'm a doctor. I'm an attorney. You don't do that. They say I own real estate, I own companies, I own corporations, I own businesses, whatever. Dr. Jeff Anzalone: And the more that I learned that, the more I learned that they have a lot of free time, all of that income coming in, guess what? It's like the lowest tax income. They don't teach you any of this stuff in school. So they have all of these different income streams coming in freeing up their time and their tax much lower. Well, all you have to do is just don't reinvent the wheel, just look at what everybody else is doing that is really wealthy and this to plot to your life. But here's the problem because when I started all this stuff, the internet wasn't that big, YouTube, all that. So I wasn't just bogged down with this analysis paralysis because there's just so much freaking information out there. There was limited, I mean, when I went to high school in college, I had to go to the library to write a term report or a term paper. Dr. Jeff Anzalone: I had to look, actually look up stuff. I had to encyclopedias at my house and you go through the process, you look it up and you just start doing it. When I was in dental school, you only had like so many crowns, so many extractions, so many implants to do. You didn't stay there for 10 years and become an expert. Well, it was a 10,000 hours, the Malcolm Gladwell. But you learn enough to be quote dangerous and then you get out and you do. There's not enough doers out there. And people complain about the 99% of the people and then you got the one percent, the one percenters are no smarter than 99%ers. They just do. And that's it. And if you sit around all the time and you're, you know, I see these kids at high school in college, they're always on their phone and stuff. Dr. Jeff Anzalone: And I always tell them like, you would just take an hour a day instead of six hours on your phone, five hours on your phone and one hour a day on your phone and learn something, learn a skill. You will completely change your life. Guess what? Nobody wants to do it. Josh St. Laurent: So true. I think it's come up more than once now. Like you got to put in the work and you have to seek out the information and it's more available than ever. So I'm curious to hear from you. What was your first step, that first action step that you took, maybe your first property once you had the knowledge and you felt comfortable taking that leap? What did that look like for you? Dr. Jeff Anzalone: Back when I started crowdfunding was real big because I wanted to stay focused on my biggest wealth building tool, my dental income, tech to extra income, invested in to real estate for types of income. Dr. Jeff Anzalone: And I started doing some stuff, small crowdfunding deals, $1,000 here, $5,000 there. And eventually started growing that more and then started working directly with people back. And there wasn't a whole lot of information for doctors, high income earners about this. So I started, started a blog. I took a course, debtfreedoctor.com. And it was more about sort of my journey with the Bramsley, hence the name debtfree doctor and then how I've transitioned into what we're talking about now. And the funny thing was after maybe five or six months, you know, I'm spending all these time, I'm writing all these articles and I'm like, well, nobody's a retinum. What's the point? And so then I spent like, I don't know, 500 bucks, I got a mentor. He helped me with the process. And again, this is why there's successful people that blog and most people that start a quit with YouTube or blog, whatever. Dr. Jeff Anzalone: I'll learn the skill, like how to take a keyword phrase, take passive income. You try to write an article and pass an income. It's going to be very, very hard to rank because that's a very high volume yet highly competitive keyword. Okay. The key is finding how volume low competitive keyword. So instead of writing a article, maybe like on passive income, you make it be like how passive income is taxed from rental property. See how much that's like called a long tail keyword. But there's a whole lot less articles on that than there is passive income. And once I started doing that, my blog has taken off. If I get just all this free organic traffic from Google and then then it grew from there. Same thing with YouTube, I've taken the time to learn the skill. I'm this slaughter than anybody else. I just take action. Dr. Jeff Anzalone: And I notice the people that are successful, they just take action. And once I started doing that, then I started growing this following. And now I look up and I have this totally other separate businesses that have grown out of just from that one skill it started learning how to blog. And then from there, it's teaching people about real estate, coaching, raising capital, all these different things. But if you just learn the skill, like marketing, selling, communication, just learn the basic skills, they teach everything for free and online. If people will learn that, that's all it is to it. Josh St. Laurent: Yeah, absolutely. So it seems like you started with crowdfunding. How is that transformed today in the type of investing that you do now? Dr. Jeff Anzalone: Yeah, the crowdfunding, I started doing a couple of deals and then I jumped into the larger deal, which was a $50,000 apartment complex in Oklahoma City. Dr. Jeff Anzalone: And long story short, all the investors in that deal lost their money, including my 50 grand. Most people would have quit, but it made me realize I didn't know what I was doing. I was looking at the pretty pictures that people were putting online and not vetting the sponsor, not going there, walking the property. It did not disclose that the sponsor was moving into an area that had a lot of crime rate. People were moving out. He thought, I'm going to buy this building. I'm going to put a bunch of money in it. People will come back. I know that I probably wouldn't invest it, but we were not disclosed out and there was talk about a lawsuit missing out. But anyway, I learned that I did not know what I was doing. So I had to take a step back and then learn about how to vet sponsors, how to underwrite deals, really had to learn how to do this. Dr. Jeff Anzalone: And then I started investing no more crowdfunding. I started it. You know, I have a whole article and I wrote all about it as people can learn about it. How I'll all stay $10,000 in real estate. But again, I don't call it failure. I don't call it mistakes. This is what I learned. Whenever you get beaten something or you lose something, you fail. It's a learning experience. You take it and you move on. You apply it to your life and you move on. You don't live in the past. You live now. And that really helped me become am I a perfect real estate investor whenever? No. But that helped me to start connecting with these groups now that I'm working with one on one in these syndication groups to where I'm more involved. I go to the properties. Some of these properties I find. I've been able to network with people. Dr. Jeff Anzalone: So now I have a guy, him and I, Bob Moble, home parks together. But it's also important that you're around other people that are trying to do what you're doing. When I was going to Dillemating for the first 15 years, nobody was doing this. So I was always around people that didn't want to be there. They were just there to get their continuing education hours, you know, and then they left. But now that I've gotten out of that network and more into real estate, wealth, you know, health, that sort of people, then I'm able to make the connections which really are helping me to grow and, you know, expand my network from there. Josh St. Laurent: Yeah, absolutely. I am loving this recurring theme of learning because it's so important in all of the people performing at a top level have talked about, hey, I started here. I found a mentor or I sought out this course. Josh St. Laurent: Can you talk about, and you've already touched upon a lot of them, but some of the different ways that people who are seeking out this knowledge, where can they go to learn some of these skills that you're talking about that are so important? Dr. Jeff Anzalone: Good things for your own line, whether it's podcasts like this YouTube articles, but again, it circles back for what are you going to do with the information? And unfortunately, most people don't do anything. And the older that I've gotten, I realized that time is your most precious resource because it's limited. You can't make any more time. You make plenty more money. So here's an example. Let's say I wanted to learn how to buy, let's say a self storage facility. Well, I could go online. I could go to meetings. I could take courses online and it may take me a year and a half to get comfortable. Dr. Jeff Anzalone: Or I could find somebody that's doing exactly that already does it. Pay money in two months. Start and think about it. If you do that multiple times, I could get to the year and a half mark and I could think about how many people that I can that can mentor me. That's where it really separates the people right there, you know, from from the doers to just people that just is not there all with learning. But if you really want to do something, you really have to take action. A lot of times it's good to have a coach or mentor because they're going to hold you accountable. Think about if you want to lose weight and you like, okay, I want to lose 20 pounds by the summer. I have a wedding to go to or something and you get it like somebody that, okay, would you be yesterday? Dr. Jeff Anzalone: Man, I eat some chocolate down that said so they're making you accountable. Okay, let's get back on it. Instead of just you trying to do it yourself. Some people are very disciplined that can do it on their own, but most people can't. But if I were to say the number one trait for successful people that I've learned is one word consistency. That's it. You look at somebody that's ripped up there in good health, their, you know, six pack abs or whatever. Guess what? That guy is consistent in the gym. He's consistent with his macros. There's no other way. Somebody that's wealthy that it just makes $75,000 a year, but they have a lot of wealth. Guess what? That person is consistently invested over time. It's not rocket science. It's just everybody wants everything now. And they won't put in the work to learn and actually take action and be consistent with it. Dr. Jeff Anzalone: That's it. There's no get ridge quick. Here's the secret formula. Do this by this course. It's just being consistent and consistently doing it. That's it. Josh St. Laurent: Such an important message. I mean, there's so much misinformation out there and get ridge quick schemes, you know, that I'm constantly hearing about, you know, as a financial planner, people bring these things to me. Hey, I heard this on the internet. So I'm glad that you went there and the consistency is so, so key. I wanted to ask you for you personally, have there been big learning lessons that you have grown from maybe that others could hear and learn from as well? Dr. Jeff Anzalone: I think that people don't look at their taxes, their tax situation enough because again, I was talking to you about the wealthy people, they have all these other streams of income coming in and they're all tax at the lowest level. People think, okay, I've got to work more shifts, more hours, weekends, days, whatever to make more money. But guess what? That active income is the highest tax income. And most people's accountants, they just want to do your taxes. They won't help you with tax strategy. So that's a very important thing to do. Now, you can say, oh, I'm going to, I'm going to spend all this time learning the tax code and all that. Talk to five wealthy people. You know, and ask them who their account it is. And then take three of those accountants and go interview them and then let them teach you, let them do your taxes and along the way. Tell me why you're doing this. What can I do better? And, you know, one of the things that I've learned, I'm as filing a real estate professional status now, you know, Trump, Buffett, Bezos, all these people, and they say, well, they don't pay any taxes. Dr. Jeff Anzalone: They don't because they understand and they use people that know how to play the tax game. They know the tax code and their expert. And you can go out and you get depreciation from one area, from real estate to offset your income. Think about how much time that would free you up. Josh St. Laurent: Yeah. The example that I give, you know, the typical million dollar dental practice has like a 70% overhead. So they have to produce a million dollars to bring home 300 grand, right? 70% overhead. Then they're going to pay like, let's say they pay 50% in taxes. So they do all that work and they put $150,000 in their pocket because half of 300,000 is I'm just using round numbers. So you can tell somebody, you can work full time, produce a million dollars to put at the end of the day, $150,000 in your pocket or you can work, let's say you're working 50 hours a week. Josh St. Laurent: Like 20 hours a week, well under 50% of the time, have a real estate offsetting your income, you're putting $150,000 in your pocket, paying zero taxes. It's the time component. So you can go from working five days a week to two and a half days a week at the end of the day, putting the same amount of money if you know how to play the tax game. It's that simple. But again, people don't want to learn how to do it or hire people and that's why everybody's miserable and burned out and that's why they're going to keep, it's that cycle. Dr. Jeff Anzalone: Most people don't know what they won't like about to ask somebody, hey, what do you want? I don't know. So if you got in the car right now, you're like, all right, let's go to like, where are we going? I don't know. How do you know where to drive? And until you're very, very clear, it's really tough to get anywhere in life. Like I'm talking about like crystal clear, like in three years, I'll $100,000 a pass of income coming in from this source of this. I mean, you got to get really, really clear on it. I'm working half time and I'm doing travel, you know, whatever it is, once you get super clear, then you're able to figure out how to get there based on that. But until you do, because a lot of times people will kind of make up, okay, I want some passive income. Okay, why do you want that? I see other people doing it. So I want to do it. You know, but the likelihood of this exceeding is, you know, it's very low. Josh St. Laurent: I'm over here nodding vigorously because I see this all the time as well. And it's so, so important, you know, if you don't know where you're going, how are we going to create a plan to get there? Right? And then the second thing you said about taxes, I think a lot of people just don't realize it's the biggest detractor of their wealth, you know, you talk to people and they think they're going to cut back on Starbucks and become wealthy that way or, you know, rent a room in their house. But typically it's taxes. If you can really get that strategy dialed in and to your point, go find an expert, you know, you could sit there for years trying to learn the tax code and they're just going to change it on you. So I can hear listeners, you know, kind of thinking of this question of how do you approach some of these mentor educator type relationships? I know it's a hurdle for a lot of people I talk to. Hey, I found a guy who's doing, you know, what I want to do or a gal who's doing what I want to do. Josh St. Laurent: How do I open that door? How do I start that conversation and say, listen, I want to get to where you are. Can I partner with you? Can I work with you? Pay you for your time. How does that sound when you're approaching people like that? Dr. Jeff Anzalone: I have the same question as to. There's actually a guy here that went to high school. My dad and he's a billionaire. He has kind of a mixed reputation in town from, you know, very shrewd business person to from my dad and other people. Oh, the nicest guy would do anything probably. I just approached him a couple years ago and I would just ask him, you know, of course he knew who I was because of my dad and I said, would you remind if I just like came to your office or something and I just maybe asked you questions about real estate or you just kind of tell me some stories and the worst thing they can tell you is no, but I've really found that these people are very willing to share this. Dr. Jeff Anzalone: I guess most people just don't ask them. There's a YouTube video. I think it's a lot called school of hard knocks and I've followed and the guy just goes around these different towns like Miami and Dallas and Texas and just goes around the streets and like, and he finds these millionaires. He's like, starts asking them a question and the majority of them really open up and they're willing to share. That's how you do it. And I learned more from that two hour meeting than I did from like two or three years in college and I told my wife that when I got home, it was just mind boggling that you see somebody that comes from such humble beginnings that can build that. But you know what? The theme was of all of his stories. He just he was consistent with what he was doing and it was, you know, it was just kind of flat lining a little bit like an all of a sudden hit that one thing. Dr. Jeff Anzalone: You get that one connection or you get in and it's just like you take all that's all it was. And then from there, Sky's a limit. Josh St. Laurent: That's so true. So I want to transition a little bit. I wanted to ask you about your ebook. What can you tell us about about the ebook and who is it for? Dr. Jeff Anzalone: There's so much information out there about passive income and this and that. So I wrote a real short book. It's a passive income. God, it's free. I can go to my website and download it. You know, I'll give you the link and there's nothing new in there that you probably haven't already read. But more importantly, when you sign up for that book, you'll start getting some of the articles and videos that I put out an Instagram post that will go along with that that will help you with the process. And then I have a group for a credit investor. So if somebody is a credit investor and they want to invest in real estate, what I do is I set up a free call with them, learn a little bit about them and what they're trying to accomplish and then help them set up a plan. Again, it's free to get them on the right path because real estate isn't right for everybody. And I'll just be up front with people and say, you know what, you're just too far and dead or you got other things going on. I would put it on the back burner, whatever. I have nothing to sell you versus if you go to somebody selling products or services, they may just be focused on that because I remember how it was, you know, whenever I was starting off and people that just gave me unbiased information, that's what helped me the most. Josh St. Laurent: Yes, definitely. Let me show the link that in the show notes for it. Make it easy for people to find. I'm going to switch gears a little bit, ask three questions. We try to ask towards the end of the show here a little more personal to you. So question number one is what does living a wealthy life look like for you? Dr. Jeff Anzalone: That's easy. Just having the time to do what I want when I walk with who I want where I want to talk about time. Absolutely. Josh St. Laurent: If you could give one message to someone working to gain financial freedom, who isn't there yet, what would it be? Dr. Jeff Anzalone: Some of the things that we already talked about, again, get very crystal clear on your goals, exactly what you want. Most people have problems with three areas or one of three areas, something in health, wealth, and relationships. Josh St. Laurent: Somebody having a problem right now, if you're dealing with something, I can guarantee you it's probably one of those three things, health, wealth, and relationship. So figure out maybe in each of those areas what your goals look like and then once you have that, find somebody that can help you in each of those or maybe one person can help you at all level, but more than likely it'll be split up. If you need a marriage counselor, if you need somebody, a trainer, or you need somebody that's very successful or whatever, then a lot of times they can tell you who you should speak with. Let's say you have somebody helping you with building wealth and then you can maybe say, hey, you know, kind of having a hard time getting my spouse on the same page. What do you recommend? Well, I'd recommend talking to this person or I'd recommend this book or this podcast or something like that. So taking advice from the people that really have your best interest and then move on from there. I love that answer. So third question, potentially the toughest of the day here is if you only had a thousand dollars and you were starting over, what would be the first thing you would do with that money? Dr. Jeff Anzalone: That's a good question. Whatever your skills are now, like you could take away everything, but you can't take away what's in my mind. So I could go back, I could start a practice, I could start investing in real estate and that sort of thing. I really wouldn't be scared of taking risks because of your knowledge. And always remember that. I think people sit on the sidelines a lot of times because they're in that scarcity matter. They're afraid to move forward. But if you're comfortable enough or confident enough of what you do, that shouldn't matter. I would go to the people I would network with or I have network with and start a business. Yeah. If I didn't want to start another practice, whenever I started a business, a lot of times you can invest in real estate with no money. You can go into these deals when you network with people. You help them bring capital. You can help them bring maybe you can go find a deal or whatever helps somebody that's trying to grow something, a company, a business real estate. And a lot of times they'll pay you for that. And again, it's building your network. If you only have a thousand dollars worth because you're going to get much further and faster doing it like that and then try to do it by yourself. Josh St. Laurent: So true. So for the people listening who want to connect with you, where's the best place for them to find you online? Dr. Jeff Anzalone: Yeah, they can find me on my website, debtfreedoctor.com. The ebook on there, it's Pass Investor God and then YouTube channel link is there and also Instagram is on there as well. Josh St. Laurent: Perfect. Well, both those in the show notes make it easy for everyone listening. Is there anything I haven't asked you? Anything we've missed that we should be talking about. Dr. Jeff Anzalone: If you're not in the habit of reading, you know, you probably heard this before. It's a little corny, but leaders are readers. Get in the habit of reading. Whether it's a page a night, buy a page a night, whatever, just make that a habit. And that's another trait that I didn't talk about that the really successful people do. They read all the time. They're always reading books, just come a sponge for knowledge. And then that's how I typically learn how my next book is going to be because they reference it in the book or somebody says something on a podcast. I've had my mentor was this person. You know, it's funny. You think there's all these successful people out there, but once you start noticing it, it's just a small group. They're referencing each other's podcast or referencing each other. I went to this guy's mastermind come to find out this other guy's coaching me and the person that coached him coached the guy with the mastermind. So it's everything's like it's interconnected. It's funny. Josh St. Laurent: It's so, so true. Well, Dr. Anselon, thank you for being here. I know I learned a lot. This has been great. So I appreciate you taking the time. Dr. Jeff Anzalone: Absolutely. I enjoyed being here. Thanks for having me. Josh St. Laurent: Definitely. This has been the Wealth and Yourself podcast where we help people to design their ideal life and take control of their time and money. Our guest today was Dr. Jeff Anselon. Thanks for listening and we'll see you next time. The Wealth and Yourself podcast is hosted by me, Josh St. Loren, an edited and produced by Ray Heycraft. To learn more about how to make your money work for you, visit us at www.WealthInYourself.com and connect with us on all social media at Wealth and Yourself. This podcast is educational in nature and is not meant to be investment advice. Most do not construe anything said to be advice and the opinions of the guests may or may not represent the opinions of Wealth and Yourself. This podcast and the information presented are separate from my employment at Goldengate University. Still, they are part of my mission to make no cost financial knowledge more accessible. 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