How Proximity Changes Your Life: Mastermind Secrets with Greg Kimble & Steven Spence

30:08So learn these topics, research the things that you're interested check us out next Monday on themoneymondays.com.

30:19Ladies and gentlemen welcome to the Money Mondays. We are here inside of Hubbell's studio for this special edition. We just knocked out Elevator Nights. There's a mastermind going on. So typically I do these podcasts inside of an RV motorhome but when in Rome everyone's here. I want to get some of the boys together to knock out back to back to back to back podcast and for our finale today we have a very special guest this gentleman has gotten tens of millions of views i actually think it's got hundreds of millions of views because people repost reshare he's had one in particular one that got like billions of views i mean the numbers are insane the kind of content he's created over and over and over and over and over a lot of times people have the aspiration to go viral once well he's done it i can't even count how many times but more importantly in social media what i always say is It's not about going viral once.

31:06It's the consistency. I would actually rather get 10 or 20 ,000 views a day, 365 days in a row and just get a million here, 2 million here, 3 million here, one time or two times. This gentleman gets a million here, 2 million here, day after day, after day, after day, after day. But he's also created a company along the way. A lot of times social media influencers are just making that$1 ,000 for a post, 10 grand for a post, 5 grand for a post, 30 grand for a post, et cetera, or they're doing brand deals for a few months and they're just making it cash, cash, cash, and never really turn into a brand or physical product unlike sometimes you've seen the Logan Paul's the mr.

31:39Beast that create prime feastables etc this gentleman has created a mobile app which we're gonna dive all the way into to find out the inner workings the concept why did he do it why did he create it instead of just keeping making cash cash cash like other influencers why is he creating a brand so without further ado as you are listening to this podcast keep in mind sometimes I bring on rappers, athletes, celebrities, business moguls, people with huge amounts of real estate, own nightclubs and restaurants. The bits and pieces that you learn from people may not be just for you. It might be for people from your past, present, or future.

32:12It might be for your family, for your friends, a random stranger at a dinner, that you might be able to bring up topics that you learn from these podcasts. So as you hear the different guests, think about it for yourself, but also think about it, how you can add value to other people in your life. And it may not be right now. It might be three months from now or three years from now. So, Spence, give us the quick two-minute bio so we get straight to the money. Absolutely. First of all, that was an incredible intro. So thank you. I appreciate you. And he said it great. He said it great. Anyway, so, you know, I grew up in Los Angeles as a creator, as a content creator, with some of the best creators in the world.

32:45And, you know, my background really traditionally started with music. It always came authentic for me. It came supernaturally. I got signed to Interscope Records out of high school for music. Against all odds, a major record label with Eminem, Lady Gaga. It was the same exact label as that. It was a dream come true at the time, performed in maybe 40 or so countries all over the world. And it wasn't really until I decided to put all of myself out there, not just the music, but kind of like, you know, just my personality that I started to gain some traction online as a solo creator. And with some success in music, that pivotal point was when I made something called the Breakfast Challenge, which was a massive viral trend to my music, my original music.

33:37And it garnered over 30 billion streams across social media. It was crazy. I had a talk with TikTok and they're like, these are the numbers we're looking at. And for the time, it was pretty insane. It's the kind of success that an independent artist really only dreams of and hopes for. So when that happened, something in my brain clicked that really struck a chord to pivot and use that same mentality and create something that could really help other people. And I've been the person that I think I've watched every single episode of Shark Tank since it started, you know, 16 years ago or whatever it was.

34:16and I've always been thinking, okay, I could do this or this should be done differently or what can I do? And that was the moment where I was like, this is it. I wanted to use music to move the world in a different way. And talking about, I don't want to jumble up too much here, but in life you can do so many things but you can't do everything at the same time so really you have to decide what are you going to do you know with your time because it's limited so for me I wanted to do something that was authentic for me came really naturally but also just really help the world I wanted to make a positive impact so something that really resonated with me is okay while we want music.

35:07It's something I'm really passionate about. And then two, helping other people is something that I'm passionate about. And that works with fitness. I feel like if I can help people feel better about themselves, the positive ripple effect is so real. They're going to help other people. They're going to treat people a little bit better. So the intersecting point there was music and fitness. How can I help people with music and fitness? And I put those together. So Sweat Sonic, essentially, we took songs and we took workouts and turned them into songs that become your personal trainer, right? So now you never have to count your reps or wonder what set you're on in the gym or if you like to work out at home, it's fine as well.

35:45And you're getting music that's intentionally extra motivating, scientifically optimized for efficiency to get you in and out of the gym a lot quicker. and you know just just music in itself

36:03can increase your performance in the gym as well the right song at the right time could do all the right things for your workout so instead of just leaving that to chance and hoping your spotify playlist is like okay right here when you need it we crafted those experience and designed the whole entire app for sweat sonic to help people stay consistent with their fitness and motivate them to actually get stuff done. Because the most important thing with fitness is actually showing up. So that's our goal with that. And then, you know, the other really sweet thing about Sweat Sonic is all the athletes on the platform are also influencers.

36:38And collectively, we have a following of 200 million people. So we built this package with the idea of helping people with their fitness in a different way. You know, obviously, there's a lot of competition in the fitness space, but that's one because it's a massive market. Everyone wants to be a little better shape. But despite there being so many solutions for people and getting healthy and fitness app and doing this or that class or whatever, there's a lot of solutions. But the problem of one, obesity, health issues, diabetes, stress, it's still skyrocketing. So our approach, as opposed to just throwing technology at the problem, is let's use creativity.

37:22to try to solve the problem for people in a different way and help them like that so that's what's what sonic is so on the make money side of the podcast let's talk about from an influencer when you're first getting going you get that first it's called 100 000 followers and you're starting to make a name for yourself how do you decide what to charge to a brand when you're first getting going rule number one is you get the number from them just always get the number from them because when you don't want to undershoot yourself right so if you if you just shoot i want and do this for, I'll do this for$10, you know, then, you know, who knows what they would have said first.

37:57So I would say you always want to get your offer first. And then if not, you know, you can negotiate from there regardless. But I think that it's really good to find representation. It's even for the optics, having someone represent you, it looks a little bit better because then they could play good cop, bad cop without you looking like the bad cop always. So number one, get the number from them first and then number two maybe if if you're at the level where you can have some people working with you and if not just be your own assistant and and make that up and send an email uh on your own behalf pretending like you're an assistant for sure so brand comes to you and says we want an exclusive with you for what's called the water category how different of a deal is that compared to you know paying you for one or two one or two posts yeah absolutely Well, like I said, you know, well, actually, I didn't say it, but there's no real set rule base when it comes to that.

38:54You're kind of like, you know, being early in the creator world, we were making it up as we were going along because it was such a new category. And we still are. Especially you. I mean, back in the day with Fit T, I think you were the first person to bring that to market. We've done 110 ,000 pin posts. Let's go. Let's go. We're sitting with the goat here, ladies and gentlemen. And we're still figuring out the prices along the way. Still figuring out the prices along the way. To be fair for both sides. We've got to be fair for the brand. We've got to be fair for the influencer and everyone in between.

39:21A hundred percent. We're not trying to overcharge, but also the influencer needs to make money. We need the brand to get the right price point so that they can spend more money. Exactly. Because if they spend 10 grand and they get back one, they're not coming back. Then it's not going to make sense. They're not going to come back. You want it to be a positive symbiotic relationship, right? So it keeps rolling. A hundred percent. So, you know, definitely there are other things you've got leverage when there's a bigger ask. It's pretty linear, I would say. It's proportional. So if it is exclusive and it is for two years as opposed to three months or 30 days, there's different asks that you got there that can give you some negotiating power for sure.

39:56So you start to make some money, go from 100 ,000 followers to 500 ,000, 500 ,000 to a million. Let's go. Right? Bam, bam, bam. You're growing, growing, growing. How do you decide what brands you're now going to put your name on? Because now there's a lot of people listening to you. If you say go drink that water or take the first form supplement or download this app, people are going to do it. So how do you decide now which brands you're okay associating with? Yeah. It also really matters. I learned that lesson pretty hard kind of early on. I think I did a deal with McDonald's once and I got called out.

40:30Oh, yeah. I got called out pretty bad. I was like talking about a McChicken. Yeah. But at the same time, at that point, it's like, listen, this is my job. That's a lot of money. I had to do it. I turned down McDonald's and Burger King as a client. They're great brands. Great brands. But I don't feel comfortable with the food because it's not actually food, right? It's not good. It's definitely not good. I remember Burger King was paying, they were like, oh, we want to pay Scott Disick. And it was like 40 grand. Yeah. And I was like, I mean, I'm getting him for less than that. Yeah. You guys just talked directly.

41:00Yeah. I just didn't feel comfortable doing it. Yeah, you're just. And then they end up spending like millions and millions of dollars with a bunch of different influencers. And guess what? I'm okay. You're okay with that. I'm okay with that. It's important. There's certain brands that I've turned down in the cigarette space. I would never do it. There's certain brands I just turned down that I just don't want to do it. And there's other brands that you might think are on the edge that I'm okay with. I was doing vodka brands. I'm okay with vodka. Right, right, right. There's certain brands that I'm okay with and there's certain brands that I'm not.

41:25And it's just a personal decision for me of what I'm okay with. And by the way, alcohol is technically worse for you than McDonald's. But is it? But is it? Yeah. I don't know. I don't know. Yeah. I think I'd feel better if my kid was 21 years old. I'd rather them have some vodka than freaking make cheese, whatever, every day. Yeah, it's really important to kind of be honest with yourself and obviously your integrity. And that's something that I learned along the way. Even with the kind of content I put out, it's like, you know, in the early days when there were really no rules, it's like, put out whatever you think is funny in the moment, you know?

41:59And I think for creators, you get held to a different standard for the kind of content you're putting out as opposed to someone like Jennifer Aniston in a movie Horrible Bosses. It's like, wait a minute. If this was online, because people don't necessarily separate acting online as a creator with acting in real life. They just think that's who you are. Because she's not Jennifer Aniston in that movie. Exactly. She's got a different name. Exactly. But essentially, me and my friends, when we're creating content online, it's the same thing. We're creating characters with the intention of, at the end of the day, making the world a happier place, laughing, spreading that joy.

42:36And then sometimes it could be considered inappropriate. For sure. For sure. But this is not necessarily, it's acting, right? With the intention. I think intention really matters. Yeah. I mean, we watch King Batch, we watch Adam W., we watch some of your boys, they make really funny content, but sometimes it's like, whoa. Whoa, what the heck? It's so funny. Exactly. Some people can get offended, but it's designed to be comedic relief. 100%. So as you're growing your content, as you're growing your brand, And talk about collaborations. Let's just use those guys at the gimp. You're making workout content together, but you're also making funny content with Amanda Cerny and Lele Pons.

43:11You're one of the OGs of this game. Talk us through the collaborations from what I don't think a lot of people realize is 1600 Vine is where it all started. All started, right? Wild. Vine started at 1600 Vine, and people don't really get it. Whether it was actually named after that or not, I still think it was. So I was living at the W back then. and I would walk over to Vine, and there was times I was walking around and like handing out 10 grand of cash, handing out cashier's checks, getting wiring info. It was the wild, wild west. It was the wild, wild west for sure. It was a circus back then.

43:42I'll tell you guys a funny story. So there was a brand that had an energy drink, and they wanted to do a pop-up. Well, I told them about the idea of a pop-up, because I did one for Jake Paul. Like a meetup where everyone goes to one place, right? And so this brand was like, oh, we want to do a pop-up, but we have 100 grand budget. it was like 8 p.m. when the contract was signed and they didn't wire yet because it's 8 p.m. so i'm not gonna get the wire till the next day yeah but they wanted the pop-up to happen at 8 in the morning the next day so i run over to 600 vine and i think you were part of it too but i went and got manda cerny jake a bunch of the influencers and i was like literally like knocking on doors let's go who's gonna jump in on this we gotta pop up that's hilarious and so I remember like some of these influencers are posting like 10, 24 p.m.

44:27I'm like, oh my God. For an 8 a.m. meetup at like a parking lot by LAX. Yeah, yeah, yeah. Oh shoot. Come meet us here. We're giving out the U Wheels hoverboards as prizes. Oh, the U Wheels, what a throwback. Sounds like 2015, 2016 hoverboard. That's exactly what it was. And listen, 2 ,600 kids showed up. Wow, insane. With no notice, like 10 hours notice to a parking lot in the middle of freaking random stuff. What a time. And that brand was ecstatic. Of course. Like, what the hell just happened? Police are showing up. Like, what is going on here? We're at a freaking, like, a motel parking lot with 2 ,600 kids.

45:03But it shows you the power. And I did the same meetup for Manny Pacquiao for his movie release many years ago for his documentary. It was Hollywood Highland Mall. Next door, Man Chinese Theater was his movie that night. So in the daytime, I just had a bunch of influencers. Anna Cherie, Ariana Celeste. Oh, that's right. All the girls that were a part of either fighting or UFC or hosting in the sports world. I was like, hey, post everyone for them to come meet you tomorrow. But it's actually for Manny Pacquiao. Right. And so we had the same thing. We had like 2 ,000 plus people show up. Insane. Manny Pacquiao's like, everyone's here to see me.

45:34Same for me. I want to see Anna. Where's Anna? She was there. That's great. But same thing. 100K budget. Bada bing, bada boom. Wow. 2015. That's so early on. That was before I think it was even called the creator economy. For sure. What's the influence? It was just like, yeah, it was nothing. What do you mean? No one knew anything. So what gave you the foresight to kind of like get into that world? Because you started, like you already knew what you were doing. But what did you teach yourself or what? So I started the agency in 2011. Oh, wow. And just doing tweets. I was paying Khloe Kardashian for tweets.

46:08I was paying Tiger for tweets. Right? Like Scott Disick for tweets. But there were random numbers too, like five grand, 25 grand, 10 grand. We just made it up. Brand was happy. They were happy. but they'd get like 2 million views on a tweet because it was no one else. That was it, yeah. There was no influencers. And so I started investing in some of the companies that were the brands coming to me. Okay, cool. And I realized, wait, I just threw in 25 grand or 100 grand, 50 grand investment into this company. I should make them more famous to help protect my investment or increase my investment.

46:37Let's help blow them up. Yep. And then I went to the brands and I was like, hey, I'm going to get you some of these influencers. Give me some of the money to pay them. I then paid them. And they got way more sales, but a bing, but a boom. Great. And so I was like, wait a minute. What if I do it for brands I'm not a part of? And so I went to other brands and said, give me money. The influencers, who weren't called influencers back then, the celebrities, were telling all these other people. So Amber Rose shows up to my office and I made her, you can still see the picture. She's like, I want a deal.

47:05Come on. You can still see the picture on my Instagram. I made her a flower bouquet of$20 ,000 in cash. That's gross. I made the cash and the flowers. What's your favorite type of rose? That damn flashback bouquet. and we did a fashion nova for her we did fit tea for her and say and uh and then guess what she tells her friend black china black china tells her baby daddy tyga tyga then tells this like it's just like the squad starts telling yeah starts telling each other and all of a sudden i'm the plug and so that's what happened everyone just came to me for because i was running budgets for these brands in this wild wild west so then i went to u wheels and just basically bought the majority of the company.

47:42Sick. Because I was like, well, if I make them famous and like, you know, and then we did $6 million in sales in two months. Fire. Just handing out boards, hoverboards. That was when they were hot. Oh my God. That video Jake Paul made was crazy. Like we got tens of millions of views. Insane. Those things were hot. And then they banned them on airplanes. Yeah. We had like freaking Lil Wayne, Khloe Kardashian, everyone posting these things for hoverboard. People I would have paid 25 grand, 50 grand for posts were doing it for hoverboard. I just want one of those on my board. Literally. That's hilarious.

48:14But yeah, that's how it started. I was basically going to these companies that were, you know, wanting to spend money with influencers. The influencers were coming to me because they heard. Again, there wasn't that many influencers back then. Right. And then as they would post, their followers would hit them up like, hey, who paid you? How'd that brand happen? And then I started posting with Kylie and Kim a lot. And that led to a lot because that's when they were first becoming Kylie and Kim. Yeah, right. And then I felt like I had to do everything. I was driving to everyone's houses. I wrote every caption.

48:44Hilarious. I would copy and paste it. I'm like, hey, Kim, post this. Post this. That's great. So anyways, fast forward a decade later, and influencer marketing is now a whole different world because now there's algorithms. Algorithm wasn't a thing back then. It wasn't a thing. There was an algorithm, of course, but it was in real time. Right. If we were at a baseball game, we would see that we were both at a baseball game. Right, right, right. Because it was in real time. Right. Now, I might see your post to the baseball game two days later. That's true. And it'll show up like you're at the baseball game.

49:15No, he was at the baseball game two days ago. Yeah. And also, I feel like I never really see any of my friends that I'm following their stuff anymore. No. I'm just every day, I'm just discovering new things based on what the algorithm thinks that I want. Right. Right. The problem with the algorithm is that they got too smart for their own good. Right. They don't realize that you're not going to like and comment on these four hot girls pages or this or Dan Balzerian's page. or this page or that page because why would you like or comment on it? They're not going to see it and you may not want it to show up in your feed.

49:45But you do want to see Blasarian's fun posts or you do want to see all these hot girls, but you do like your nephew's post who's 14 years old. Exactly. It's not actually the algorithm that you want. You don't want to see a bunch of other 14 year old guys because you're just doing it for your nephew, obviously. And so the algorithm is interesting because it thinks that it knows based on your likes and comments, which is not true. It's not true. Because that is a skewed demographic. That is a skewed algorithm based on what we are liking and commenting on either because publicly we want people to see that or privately we don't want them to see that.

50:15Right. It's not going to get changed. It's not going to get changed. Because you think about it, Instagram is making a billion every three weeks. At least. So why would they change it? If they ain't broke, don't fix it. And they definitely ain't broke. Do you think there's space for another competitor to come in? So what people don't realize is actually over 260 social media platforms. Insane. But you only hear five. Exactly. You can only name six of them. And so there are platforms that come and go and there are platforms that had that chance. But you cannot beat meta. Any platform that has any actual fighting chance, Zuckerberg will buy them or crush them.

50:56Exactly. And if you think about it, over the last 15 years, name them. YouTube was already there. Threads is owned by Zuckerberg. Instagram is owned by Zuckerberg. Facebook's owned by Zuckerberg. So three of the six are owned by one guy. A public company, but you know what I mean? One guy. Umbrella. Twitter was always around way before, and it's not really like, it's different. It's different, right. It's more like a news feed. It's not the same concept. I don't think Twitter's going anywhere either, yeah. They'll never go anywhere, yeah. And that is like a real-time news feed. You know, a lot of times people go there, but they don't even think of it in the same way as a social media platform.

51:34And there's not that much photo and video there compared to the other platforms. And so if you really break it down, there's only one platform that made it, which is TikTok. Yeah. And the reason is it was a pre-existing platform. Musical.ly. Right? Right. Musical.ly was already crushing. Musical.ly, Zuckerberg couldn't fight with Musical.ly because it was such a niche thing. Right. It's little girls dancing and singing. Yeah, what are you going to do? Right. And they probably had something with the music licensing down that, you know, at the time, Instagram didn't have. So then you have Vine going away at the same exact time Musical.ly is taking off.

52:09And a multi-gazillion dollar company from Asia that doesn't care about Zuckerberg comes in and acquires it. Right. And they make it called Tiki-Tak. And all of a sudden, Tiki-Tak is... I remember when TikTok first came out, they paid me to promote it. Right. At a TikTok deal. Right. They're like, here's thousands of dollars. Post across and this is your TikTok brand deal. There's no way TikTok would pay me to promote TikTok now, right? No. But that's what they did. They really invested in that. They had a real budget. Yeah, they crushed it. Their initial budget, just in LA, I met with them, was$25 million.

52:44Just to beep. Just to spread the word. Yeah, let's get there. And they didn't really care about like... When you're sprinkling$25 million, it's a good level. Right. And I don't know what they ultimately spent all over the place, but I remember the$25 million budget because I still have the emails. Like those meetings were interesting. And I got to spend some of the money to pay influencers to just post about TikTok. Just post TikTok. But here's the other thing. It had a magical storm, right? The perfect storm is a zillion dollar company buys them. It already has a user base. But most importantly, their algorithm was to promote you.

53:21A lot of influencers or a lot of people or a lot of 20 year olds would randomly just get 2 million views. Insane. I remember a video where this girl, I filmed it on my phone. She put out her hand, put it down. Put out her hand again and it touched the wall. That video got 1.8 million views. I remember back in the day when this was happening. I just like, I went up to a typewriter and then just captioned it, you know, texting back in the 1700s or whatever. I was just typing and then it just had like 5 million views. It was terrible, but I knew it was going to go viral before I did because this is what it was back in the day.

53:52I remember I had a meeting with a couple of my friends, some of the OGs, like Wampa, who's got, I don't know, 50, 60 million followers now. And a couple of the other friends, and they got together. They're like, okay, boys, realistically, it's the wild, wild west of TikTok right now. We've got about six months to grow on TikTok before it's flooded with everyone. Because everyone's really going viral. So go hard for the next at least six months, and you're going to see it. And I think within that time, I maybe gained two million followers on TikTok. Because it was just every day a grind. Post this, post this, do this, do this music thing.

54:29And that was that. I mean, I can talk about social media for days and days. It's fascinating to watch influencers now just expect, you know, they've got 80 ,000 followers. And they just are charging these crazy rates. Right. They don't realize how their algorithm works, how many views they're actually getting, how many clicks they're actually getting, who's listening, who's watching, who their demographics are. They're just picking a number because they read about it in a news article like, oh, if you have 80 ,000 followers, you should charge this many thousand dollars. Right, right. None of that's realistic for a brand.

55:07And too often, influencers are not realizing that you need to nurture your following to make them feel comfortable and trust in you to buy from you yeah it's true there's they might love you because you make really good makeup content then all of a sudden you post about a supplement company like i don't know exactly so true unless you tell them hey you're going on a fitness journey or health journey like hey i've been losing 12 pounds and i took the supplement then they'll believe in you right but if you're just like 118 pounds pretty girl and you're like hey i take the supplement but do you yeah really i don't think you do because you got that ozepic I don't know if that's the same supplement you're talking about.

55:46So like the authenticity and the nurturing, the things that people are missing on the influencer game because so many people want to be an influencer. It's not just about the vanity metrics. It's not the vanity metrics. Your social media following is not the same as compared to your conversion rate. And also don't get so beat up when you compare yourself to other people with 10 million followers, 15, 20, 60 million followers, whatever it is. They've been doing it for 11 years. They've been doing it for 11 years. Because you can't compare your chapter one or two to someone else's chapter 45. Everyone's on their own race, their own path, their own journey.

56:18But also, don't get so beat up about a number because it's mattering less and less like you're saying with the algorithm. Just be authentic. I get asked for micro-influencers more than anything. Yeah, exactly. Because they're probably a little bit more niche and also more believable as well. Because most people know if you've got millions and millions of followers, you're probably getting paid money to really promote a lot. As you should. But, you know, I would just say if you want to be an influencer, just start. Do it and don't think so much about the money. Think about the consistency, like you said.

56:47So let's talk about the charity side. You know, you've been a big supporter with us, with the Train This Kids Foundation, for the toy drives, Thanksgiving food drives, back-to-school drives. You've been one of the few to show up over and over and over and over. Why is charity important to you and why should other influencers consider being involved in charity? Yeah, I think, you know, I try and show up or share the kind of things that you guys are doing. It's actually one of my missions to spend more time on charity. I think that something that impacted my life still to this day is I donated just some time at an elderly home.

57:19And I'm just going around talking to old people that can barely walk and just about their heyday and their time. I could see their eyes light up. Not even giving money to people. You're just giving them time. And so if you don't have money to give, you're not in a surplus right now, but you feel like you want to give back something, just give your time to some of these people. I really recommend it. That's something that really changed my life. And I'm looking to do more on the charity space. I think it's important to give back because one, in a selfish way, maybe also it makes you feel good. It's nice to give.

57:53It's nice to make other people feel good. And especially when people are maybe less fortunate than you but uh but i that's one of my goals actually to to donate more all around to to charity so where can people find you on social media where can they check out sweat sonic walk us through all those things yeah absolutely well all my social media is at spence and all the company uh social media is is at sweat sonic pretty simple and if you want to check out sweat sonic dot com i really implore you to give it a shot especially if you've been struggling with motivating yourself when it comes to your fitness journey.

58:29Our goal with Sweat Sonic is to really help people stay consistent. That's what the whole entire platform is designed around. We crafted the experience to help people stay consistent with their fitness journey and motivate each other more than ever. So that's what it does for me. It saves me every single day in the gym. So as you guys know, the Money Mondays is created for you to have these discussions with your friends, family, and followers about money. We grew up thinking it's rude to talk about money. I think that's nonsense. We have to have a discussion about it. We've got to talk about loans, finances, taxes, debt, situations, credit cards, salary.

59:03These are all real life things that are part of your daily life and are very important to how you move, how you maneuver. And it really compounds over time if you're making bad decisions about debt, credit cards, loans, etc. by not asking questions, by not listening, not learning, not researching on Google, chat, GBT, etc. So have discussions with your friends, family, followers. Check us out on TheMoneyMondays.com and we'll see you guys next Monday.

59:31Just thank you so much.