Joey Mure’s Wealth Without Wall Street Journey

Olivia: Hi, welcome to The Control Your Cash Podcast. I’m Olivia Kirk

Tim: And I’m Tim Yurek and we are here with Joey Mure.

Joey: Hey, hey, welcome. I’m so glad to be here.

Tim: Joey is from Wealth Without Wall Street. They’re located in Birmingham, Alabama, and they, they are promoting their new book creatively entitled Wealth Without Wall Street.

Joey: Hey, Tim, that’s what you get when you have two rednecks from Alabama. We just pick one name and we stick to it. Everything’s named Wealth Without Wall Street. In fact, um, my youngest child is, is named Wealth Without Wall Street. So, you know, that’s, that’s just how we roll.

Tim: I thought, I thought, well, I’m sure your oldest child is named Joey.

Joey: If I had, if I had a boy, it probably would be, uh, I got five girls. So, you know, it wasn’t in the cards.

Tim: There you go. So, Joey, tell us a little bit about your journey. You know, when, how you met up with Russ and how you sort of got captivated with this concept.

Joey: Yeah, I’ll tell you that, um, I think I’m on the journey that everybody is at some point in their career, their life is. I was the guy that grew up thinking you have to go study hard, go to college, get a good job, work there until you quote unquote retire. And man, just and hope that the the Wall Street game takes care of you in, in this accumulation model, like just stack up enough cash that one day it eventually takes care of you in retirement. And here I was, I was in the mortgage business and making great money. In fact, you know, more than I actually thought I would be making in my late twenties. And I looked up and I realized that I really didn’t feel any closer to this, like financial security, financial stability, financial, you know, independence, if you will, even though I was making well over $300,000 a year.

And I was like, something’s not quite right about this. You know, I’m putting money away into this thing, this 401k, everybody’s telling me that you’re supposed to do. I’m getting a match from Wells Fargo and this is, you know, it seems good, but I don’t feel like this is getting me any closer to the goal.

And in fact, I was actually getting farther from it because here I was a young family. I was working all the time, 60, 70 hours a week just to keep this commission, um, you know, hamster wheel going. And I was like, something, there’s something wrong with this. I’m at the beach and my kids are down there and I’m up here taking phone calls and doing pre-approval letters for the realtors that I work with.

And this doesn’t make sense to me, but I didn’t have an answer for what, how to, how to solve it until, as you mentioned, Russ, my business partner, we were, we were good friends at church. He handed me this book one day and he said, Hey, I want you to read this. I’m going to start referring you clients for mortgage, and I want you to understand what they understand.

And so here, read this book. And, and I did. And when I read it, it was like an aha moment. It was like, ah, this is what’s been the thing I’ve been looking for, right? The, the solution to the problem. And now we can get into more of that if you want, but that was really the light-bulb moment. And it took me to say, I need to control my finances.

And even further, I need to turn that into passive income so that I can buy the time back to be with my young family and to, to have this financial freedom that we talked about.

Tim: Well, you know, it’s, it’s really interesting that you felt that there was something missing. You just couldn’t put your finger on it. And you know, it’s, it’s, it’s amazing that that Wall Street institution wants you to trust everything to them. And then they act like there’s, they have this mysterious mystical power that only they know. And if you, if you have the audacity to ask them a question, they talk down to you like you’re a stupid SOB. And, and I find the whole, the whole process insulting. But, that’s what, that’s what we are trained to do. And if you do anything outside of that model, you’re a heretic.

Joey: A hundred percent. Yeah, the, the name Wealth Without Wall Street flies in the face of everybody’s like, wait a minute, there’s something other than that? Like, I just assumed that was the only thing. And to your point, um, you know, Wall Street has made it out to be that it’s so complex. You would have to go to school for years and get all of these various, um, designations and licenses and all this before you could ever understand how to do investing on your own.

And I bought that. I, I literally was like, well, I don’t want to mess things up. I don’t want to, you know, stick my head, uh, where it’s not supposed to be. And And lo and behold, deals were passing me up left and right because all of my money was locked up in this Wall Street casino. And I lost money in 2008. I lost money in years after that. And I thought this is, this doesn’t make any sense, but I don’t know what else to do. And, and I, like I said, uh, I give Russ a hard time on our podcast and YouTube channel and all this stuff, so. But I’m really grateful that he actually charged me $20 to read the book. And, uh, cause if he didn’t, I probably wouldn’t have read it and I wouldn’t be where I am today.

Olivia: Yeah, it’s funny how, you know, a lot of people who come to us, some of them don’t realize that there’s a problem. And that’s a lot about, like, that’s a lot of what we do is show them the problems that aren’t, that are there now, but also what those problems look like down the road, right? Because a lot of times it’s, it’s too late by the time you realize that, hey, this isn’t working.

This doesn’t feel right. Um, I don’t have any access to money and I’m making all this money. I’m saving all this money, but everything’s slipping through my hands. So, you know, the fact that, um, Russ came to you with that solution, you recognize the problem and then you actually took action on it is, is a really big deal, right?

Joey: Yeah, no doubt. And it was one of those things that I think I liken, um, what you guys do, what we talk about on our show, um, as like being at one end of a tunnel. And, and like at the very beginning, you can see that there’s like a light, you know, like down there. If you, if you ever stood in a tunnel at one end and you’re looking at the other, you see a very small opening and you’re like, okay, there’s something there and I’m going to just do what I can.

And I mean, you’ve probably seen this a million times people implement this infinite banking concept. That’s what we’re talking about at a small level to begin with. They just start doing maybe, you know, my first policy was $2,000 a month. And I thought that’s the only amount I could ever put into this.

Like that’s all that I have access, you know, left over to do. And then as you start walking down that tunnel, you start to see the same opening just gets bigger. And you start to see the picture that was always there, but now it’s in bit in a better perspective and I can see a whole lot more. And so then, you know, I started two, three, four, I’m up to like 20 something policies with my family and we’re more than 10 X what we had done to begin with.

But that’s because it, the vision starts to come into clarity. You start to see controlling my cash is tremendous. Like this puts me in the catbird seat for deals that I never would have gotten access to before. Um, I just did a deal less than 30 days ago that somebody was needing a bridge loan for 30 days and in that deal I had to come up with just shy of $200,000 to help them bridge the gap on this massive apartment funding deal.

And for that, they gave me 2% for the for that one month on that money and a half a percent in the overall project of the apartment complex in perpetuity. Do you think I could get a deal even closer to that in my 401k? Not a chance. So controlling your cash is just an amazing place to be. So I don’t know if that helps you.

I’m just trying to give you like my, my journey is, I mean, it started with that small picture and now it’s in full, full view.

Tim: And it’s, it’s so common to when that happens, because, you know, like Nelson used to always tell me, he said, Tim, when you have access to capital, opportunities we’ll find you. And there is no, there is nothing that I’ve experienced in my life with, with more veracity than that statement, because when you don’t have money, there’s opportunities flying past you.

You don’t even, you don’t even know they’re happening, but then all of a sudden you have access to capital and the good that the really good deals start coming your way. And it happens, they happen. Because you have access to capital. And one of the things that I found and the amazing thing is not so much the deals you take advantage of, but the deals you pass up because they’re just not good enough. And when, when you were cash strapped, so to speak. You would have jumped at those opportunities. And now you get to pick and choose and say, I don’t know if that’s where I want to put my capital at this point.

Joey: A hundred percent. Yeah. We talk about the book that we were referencing is Become Your Own Banker. And there’s nothing more true than to think about that position. A banker underwrites each deal according to whatever they determine is worth the use of their capital, right? And, and they turn down tons of deals that don’t meet the criteria.

And that’s what you’ve done is you’ve put yourself in that position. And, uh, we talk about this, you know, in our, our book and in our, our training, our, our coaching that you have to get yourself around deals, because if you only see one or two, they all look good. But if you see a hundred, you start to see those first two that you saw, those are terrible in comparison.

It’s always compared to what, right? And, and so man becoming an investor is a super important process. You know, step in this process and you can’t do it just by doing it as a hobby every once in a while.

Olivia: And it’s funny, Joey, the whole Wall Street model aims like if you’re following that model, right? If you were saving in your 401k, saving in traditional investments, even if they’re non-qualified, the last thing anyone wants to let you do is access that money. You know, whether it’s qualified or non-qualified, it seems like it’s very difficult to get your hands on that money, so even if you are saving in those vehicles and you do have access, it’s not as easy as, okay, I have this cash available, I have this opportunity, do I want to do it? But there’s nothing standing in your way to take those next steps, which is something that I don’t think a lot of people realize, right?

So, when you buy into this model, and you put all your cash flow towards it. It makes it very difficult for you to take advantage and educate yourself on other investment opportunities because you, you believe that the Wall Street model is the right one.

Joey: Yeah totally, and I want to point something out that you didn’t say directly, but I’ll, I’ll point it out. You know we believe that the absolute answer to financial freedom is when your passive income exceeds your monthly expenses. Right. So if this is the first time you’ve heard us talking about this, it’s great.

Just think about it for a second. If your monthly expenses, I’m just going to use an arbitrary number, $10,000 a month, and you have $10,000 a month that hits your bank account, ACH, in your mailbox, wherever the location is, I don’t care, but it comes to you without you actively having to go and produce it.

It’s literally passively put into your account. If you pull up the app on your phone that says calendar, at that point, as soon as that happens, your calendar is completely open. Nobody is dictating to you what’s on it. You’re getting to choose what gets put on there, who you spend time with, how long, what location that you’re spending the time with them and in what way you’re investing your gifts and abilities that God’s provided for you.

It is all up to you at that point. You’re at your complete potential as far as what you can do to impact this world. So let me ask you a question. Why do you think Wall Street encourages us to accumulate money into an account over 20, 30, 40, 50 years and yet they do not choose to be paid in a similar fashion? How does Wall Street get paid? They get paid on cashflow when, 30 years from now, or today? Every month, whether you make money or not, they’re going to take a management fee. They’re going to take all kind of junk fees, whatever it is. And it’s going to be percentage based on your account value. Again, whether it went up or down and they get paid today. Who do you think is creating financial freedom? Are they creating it for you or for themselves? That, and so I just want to, like, I’m not trying to just like completely pooh-pooh Wall Street because my name and my company’s Wealth Without Wall Street. I’m just saying, think like the Wall Street guys and do what they’re doing, not do what they say to do.

And, and that will lead you to actual financial success, financial freedom that we talked about in our book and in our podcasts and everything else.

Tim: Yeah. So, it’s more, it’s it’s more a thing of do as they do, not as they say.

Joey: A hundred percent. I mean, we’ve, we’ve talked about how banks think. They try to encourage you to get what the lowest interest rate, right? Hey, you should get the lowest interest rate. But meanwhile, that means that they’re telling you to pay something back over the shortest amount of time. Well, why did they do that?

Instead of, so just as example, they tell you to do a 15 year mortgage at a lower interest rate. They’re encouraging you to do it at that lower interest rate. Why? Because they get more of your dollars in repayment today than stretching it out over 30 years. Well, why is that? Because they want your cash flow today.

They’re trying to create cash flow, not accumulate. So in both cases, do as they do, not as they say.

Tim: Yeah, that’s a great point, Joey because when you think about it, they take our eye off the ball as to what’s really important by saying, hey, you’re gonna pay more interest with a thirty year mortgage than you will on a fifteen where, you know, you’re gonna pay seven and a half percent on a thirty versus six uh six and a half percent on a 15. Why do they incentivize us to take the lower, you know, the lower interest rate? Because they’re getting a greater chunk of our monthly cash flow. So the name of the game is cash flow, not interest rate, but they take our eye off the ball by saying, hey, this is the interest rate. We can get you from seven and a half to six and a half, but you got to do it on a 15 year amortization rather than a 30.

The reason they do that is because it’s always about and always has been about cash flow, not interest rate.

Joey: Absolutely. And the faster that you, I mean, the funny thing is we’re sitting here talking about Nelson. And if you don’t know who we’re talking about, Nelson Nash. The founder of the infinite banking concept, um, a personal mentor to Tim and I, and Russ, as we’re talking about, um, the author of Becoming Your Own Banker, what did he say?

He said, if you know what’s going on, you’ll know what to do. And this is a perfect example of that. As soon as you understand that banks, Wall Street, big corporations, you name it, they run off of cash flow and they create freedom for themselves through cash flow you’ll know that that’s what you have to do. Again, it’s not that I want to you know victimize or you know make make banks and Wall Street the the big evil villain I’m just saying they’re pretty dang smart, like let’s start doing what they’re doing and then we’ll see and not what they say to do.

So anyways, just giving Nelson another plug there because he was a brilliant man.

Tim: Oh, absolutely. And you know, the, the impact that he has had over his life and beyond because of people like us. Who are disciples of his, uh, is just incredible. And the impact that we’re able to have with our clients by literally shining light on the areas that need, need to be exposed, uh, is just incredible.

Joey: Totally.

[Ad Break]

Tim: So tell us a little bit about, about the book. I know in the pre-call you had, you had mentioned that it’s, it was a longer project than you had anticipated. You know, that, that’s something else, you know, talk, talk about the book journey, Joey.

Joey: Well, I’ll tell you, um, you know, I think at a certain point you decide that we, we do podcasts, we do YouTube videos, we do social media stuff, which by the way, uh, I’m terrible at that stuff, but we decide there are people that create or like they take in content in different modes and we don’t have a written, a really strong written mode that people can kind of consume what we’re, what we’re about. So we, why not write a book? And so you got two rednecks in Alabama and you say, neither of us are really strong writers. Let’s hire a company that actually will help us do that and we’ll just be interviewed by them and they’ll ghostwrite it and we’ll just make sure that it all works out. That works great until the company that you that you hired to ghostwrite it goes bankrupt. I do not recommend that I would just prefer not to hire a company that goes bankrupt in the middle of your project. Um, cause it just, it causes delays as you can imagine. Um, and the other part of it is you always have to, whether someone’s writing it for you or not, you always have to set aside time to read what’s been written.

And if it’s always the last thing on your list of to do’s, it just gets pushed and pushed and pushed and pushed. And just saying that these are the real life challenges of writing a book. Um, but I’m grateful that it’s there because now it, like I said, it gives people, if you want to, you want to take seven years of a podcast, our journey and looking in the rear view mirror and saying, how did we get to over $50,000 a month in passive income?

How did we get to this point of financial freedom? Well, there’s a lot of things that we could summarize instead of you going and listen to all seven years of our podcast and put it in a book and say, this is the path. The three main steps that it takes to become financially free. We’re going to give you those in a written linear kind of fashion and provide resources to help you along the way that if I could sum up the book is exactly what it is.

It’s your kind of roadmap. To cut through some of the, you know, all the many years of doing this and just say, I can read it in, you know, two days.

Tim: That, that’s an awesome tool to have. Uh, you know, certainly having that roadmap could cut out a lot of heartache, a lot of, uh, distress.

Olivia: Add some years back to your life, for sure.

Joey: Absolutely. And I, and I’ll tell you, we, it wasn’t really clear to us until we started writing the book. It helped us to organize our own thoughts, which I think was super helpful. But you know, we started with the idea that you’re on a destination to get to financial freedom, right? If you, if you pull up your phone right now and you have your GPS, I don’t know about you, but you know, I came up in the, the years with MapQuest, you know, the written document that tells you where to turn and all this stuff.

And if you were trying to print it out, it never printed your, your ink would run out and you’re like, oh man, I don’t know where to go. This last page is not printed. Well, now you guys have it so much better. You just pull up your phone and it tells you the fastest way to get from where you’re at to where you want to go.

And, and that’s your GPS. That’s your, and so that’s what we base this whole book on is what is your GPS to get to financial freedom? And it’s your goal, your plan, and your support with those three components, you can get there and we break down each one of them to help you understand. First of all, where are you at right now?

Because if you don’t know where you’re at right now, it doesn’t really matter where you’re headed. You, you don’t know where the next, the next step, and we call it the right next thing to help you get to that end destination. So, um, I’m happy to break down each one of those goal plan supports, but I just want to let you know that that’s kind of the, the backbone of the book that helps give you, um, you know, each step along the way.

Tim: Well, that’s tremendous. Let’s, let’s, let’s go in. Let’s dive into that, Joey. So let’s, let’s break down the, the, the goal, the plan, the support.

Joey: Great. Well, I think with any goal, the picture is again, it’s, it’s knowing where you’re at today and then where you’re headed. And so we, we use a tool called the financial passport. It’s a course that we built over a couple of years that helps you to dream. And I don’t know about you, but as adults, as kids, we could dream all day, right?

We could tell you like my, you know, my five year old wants to be a ballerina. My nine year old, I’m not certain at one point she said she wanted to be a comedian, which she actually called chameleon, but she meant comedian, but that was really cute to hear. But you know, we all have dreams when we’re little, we get older and I feel like we kind of shut that part of our brain off because we just get into the, like the throes of what I have to do.

I have all this responsibility now. I have to do this. I have to do that. It’s not, I wish I were doing this or I could do that. And so, we find that it’s super important to use this passport challenge to help people figure out, man, when I’m financially free, I want to be this person. Like, who do I want to be?

What do I want to do? And what will I have? So be, do, have is in that passport challenge. And it’s amazing if people will actually take us up on this and walk through this, they can start to get really clear financial freedom. What does it look like for them? And then only then if they map that out, they can even put pictures to it.

It’s almost like a vision board that we walk people through. Then they know how to then take their finances and start to organize them. That’s where the plan comes in, right? If you under the plan, everything looks like a good idea until you have a goal. Right? So I’ll tell you one of the funny things that we point out, and we’ve already kind of talked about it today on the show, is how 401ks qualified plans are the worst vehicles to get to financial freedom.

Now, I’m not saying that they’re the worst vehicles to invest or to accumulate or whatever, but to get to financial freedom, if that’s your destination, 401ks are the worst. Because why? Because they require you to put money in and not touch them until you’re in your 60s. Well, if you’re 25, you’re 35, you’re 45 even, and you say, I want to be financially free in the next five years, it doesn’t matter how much money you have in that 401k, that money is not getting you closer to that goal.

In fact, it’s keeping you further from it. And it’s actually putting you at a disadvantage, even though you’re saying, I’m, but I get a, I get a free match, Joey. That’s like a, that’s free money. Well, it’s free money for when, for when you’re in your sixties, well, that’s not going to help you get there today.

So we’re not talking about rate of return. We’re not talking about. The money that gets put in there or the tax, you know, I don’t have to pay tax on it today. They’re the worst for creating cashflow today. And so anyways, there’s a lot more points under the plan that we talk about your budget. We talk about debt freedom, not being financial freedom.

There’s all sorts of things. But as you get that goal, you start to put your, your money to supporting that goal into the plan. And then the, and that’s where we talk about infinite banking. Obviously we’re talking about controlling the cash that’s under the plan step. And then the support is that last step.

And there’s a few pieces under support, knowing what sort of investor you are. We’ve, we designed an investor DNA profile. That tells you, Hey, if you’re on the DISC personality profile, if you’re a D I S or C, what sort of investments would align with you as a, as a personality and which ones you should focus on, which ones you shouldn’t focus on because they’re going to help you get to financial freedom as fast as possible if you’re aligned with them.

We talk about what sort of, um, hands on options for passive income, hands off options. And then finally, what sort of support system do you need to get to your goal? And it could be coaches, mentors, community. It could be actually meeting with somebody that is helping you along the way one on one. Or in a group or mastermind setting, all those things are important because I can tell you, as we’ve been talking today, you go sit around your water cooler and you start talking about how bad 401ks are, you’re not going to get met with a whole lot of support. In fact, they’re going to say, Tim, you’re crazy. Uh, you’d be dumb to stop putting money in a 401k because you’re getting this free match and this and that and the other thing. And you’re going to get met with a lot of like, this is, this is a bad idea Tim, where are you getting this bad advice? And they will take you off course because they’re not thinking the way you’re thinking.

They’re thinking retirement accumulation. They’re not talking about financial freedom today.

Tim: And you know, Joey, so many good points there that I want to sort of unpack. Number one, understanding what your goals and objectives are first. And if your goal and goals and objectives are to be financially free today, we’re not saying, or you’re not saying that 401ks are bad. They’re just not in alignment with your goals and objectives. And I want to share a story. Uh, I’ve, I’ve worked in the recent past with a business owner and she had purchased rental real estate through her 401k and all of the tax benefits are tied up in the 401k, all of the cashflow, the passive income flows back into the 401k. So she’s literally managing this taking time out of her day per month to manage this property and receives exactly zero benefits. No tax, no, no current tax benefits, no pass through or passive income, none of that. And all it is is a headache for her. And then because of the restrictions on that account. She can’t refinance. She can’t sell it to a relative. So, the only way out is to sell the property, which she doesn’t want to do. And the point is, this, that whole concept is not taking her closer to where, you know, what her goals and objectives are, which is financial freedom today. And so I love the way you set that up and explain that because you really have to align your goals and objectives with the strategies you’re using to get there. And that is, that is something that I find that is the antithesis of the Wall Street model. You know, their, their solution to everything is more stocks, bonds, and money markets or mutual funds. And that’s not necessarily bad, but what are you trying to accomplish? That’s where it could be bad.

Joey: And to your point earlier, they will take you off course by focusing on the things that are not getting you closer to your goals. Well, oh, well, you know, Tim, you don’t want to, you don’t want to get rid of this, um, account. I mean, do you, did you not see what we made in that account last quarter, the rate of return, right?

Or, or the tax benefit or whatever the case is. Those things are good things. They’re not the ultimate thing that is. So you go in there ready to pull the plug on something and say, this is not fitting my, my goal to get to financial freedom and they get you focused on this over here And take your eye off of this is what I’m actually trying to accomplish.

Right? So it’s, uh, yeah, you gotta control your cash, you gotta you gotta align things to get you, uh on the right path and man stay the course.

Olivia: Absolutely. And I feel like there was a trend there of alignment all through all through what you were saying, Joey, you know, from the alignment with your goals all the way through the alignment with the support and community that you surround yourself with. And I think that’s so important to surround yourself with people who you want to be like, right?

So do you want to be like the people around the water cooler or do you want to be? Like the people who are actually experiencing financial freedom, who could lift you up, support you, and who you could learn from, right? So you don’t have to make the same mistakes that they made, and they don’t have to make the same mistakes that you made, right?

So, building that community that everyone could benefit from is really important.

Joey: Totally. Yeah, I, I don’t think that you can underestimate the value of community. Um, I, I’ll just give you this really quick story. There’s two people in my life that I love dearly, great friends of mine, and we’ve known each other. I would say both of them I’ve known for probably 10 plus years, 10, 12 years, let’s say.

And throughout that time, I have dramatically changed after implementing the things that we’re talking about, shifting the way I think, getting in rooms with people that are way far ahead of me in terms of the way they think and masterminds and other things. And recently I was talking to them and it was like they were still at the same spot that when we met, mentally, professionally, whatever.

And in both cases, I don’t, I didn’t want to, I don’t want to sound braggadocious in any way, shape or form. I literally went to them. I said, man, I think you’re thinking too small. They were telling me what they’re up to and all this stuff. And I was like, I don’t want you to take this wrong but you have way more potential than what you think you have.

And the only reason I know that is because I used to think the same way, but being in the right rooms around the right people has drastically lifted my lid and you need your lid lifted. And they’re like, wow, thank you. You know, you’re right. But I’m just telling you tangibly, I’ve seen it in the lives of some of the people that I love the most and there is no going back once that lid is lifted, there is no going backwards. So anyway, just just something that happened recently I thought I’d share.

Tim: No, that’s, that’s interesting. And, you know, it’s funny how oftentimes we, you know, we speak with people and they said, you know, let’s say they’re ready to, to implement the infinite banking concept today. And they say, hey, you know, uh, somebody showed me this eight years ago or ten years ago and I just wasn’t ready or I didn’t understand it or I didn’t think it could work or whatever.

And you, you look at, you know, like Nelson used to say, the longer you wait, the longer you punish yourself. And it’s so true because it’s a different life. It’s a better life. And people just don’t, they don’t. They don’t see that. They don’t see it because they can’t see it looking through the lens they’re looking at things or the perspective which they’re viewing things.

But when you change their perspective, you know, all of a sudden, the world of possibilities has opened up for them.

Joey: A hundred percent.

Tim: So Joey, let’s talk about how, uh, our audience or, uh, our listeners can get in touch with you.

Joey: Well, I’ll tell you one of the things that we typically do is, um, we’ll just set up a page for people to access any of the things we talked about today. You can get a copy of the book. You can actually take that investor DNA profile assessment. If you don’t know what sort of investor you are. Um, and I think our contact information’s on there, email and so on.

But if you go to wealthwithoutwallstreet.com/control your cash, uh, wealthwithoutwallstreet.com/control your cash. All of that information is on there and just keep it simple so you can access any of the things we talked about.

Olivia: Well, thank you so much for joining us today. Um, for anyone out there who wants to get a copy of Joey’s book, be sure to visit that web page and, uh, thank you so much. It’s been great chatting with you today.

Joey: Always a pleasure to be in the room with like-minded people. So thank you guys.

Olivia: Awesome, thank you.

Tim: Joey, it’s been our pleasure to have you. And, uh, we’re looking forward to meeting up with you and Russ at some point in the future.

Joey: Likewise.