The FULFILLIONAIRE Framework: The 4 Pillars of True Wealth with Founder and Chairman of Thrive FP, JP Newman

Speaker A: Welcome everyone to the Happy Hustle podcast. I'm your host, Carrie Jack, lifestyle entrepreneur, professional model, slash actor, biohacker and eco warrior striving to make a positive impact on this planet. My goal is to inspire, educate and entertain you while reminding you to enjoy the journey, not just the destination. As you happy hustle for a life of passion and purpose. I am so grateful and humbled to be spending some time together today. Dive in. What is up, you beautiful happy hustlers out there? Carrie Jack here and I hope you're having a freaking phenomenal day. Truly just enjoying this very moment right here, right now. In this episode we have on my man, Mr. J.P. newman, who is an entrepreneur, investor and founder and chairman of Thrive fp, which is a real estate investment firm that has done over $2 billion in real estate transactions and lended over $900 million. The guy is a baller. I think he said over 15,000 apartments that he's helped in the transaction and he owns thousands and thousands of doors. But he's also, more importantly, the creator of affilionaire, which is a professional coaching service that helps high net worth individuals redefine wealth beyond their net worth by achieving greater clarity and alignment across four key dimensions. And we talk about these today, which is purpose, wealth, people wealth, presence wealth and play wealth. And I gotta say, this one will rock you to your core. It will shake your money beliefs ragged and it will help you, yeah, just become more abundant. Live in that flow of, you, um, know, the currency, um, as he said, this scarcity mindset is what keeps us stuck. But he talks about the wealth pyramid and we get into his investment strategy and how it parlays with his alignment to a higher calling, his philanthropic endeavors, and just so much more. This is a really powerful episode around all things money and financial freedom. So I hope you get some value. When you do, check out fulfillionaire.com he does workshops, he has events, he also has an awesome newsletter you can sign up for for free. So check that out and uh, if you get some value, share this with somebody who also could benefit. That's how we spread the message with more people and ultimately stay in the top 1% of global ranked shows. It's because of you. It's because you share it. So thank you so much. I really appreciate you. I appreciate you being here. Your time is the most precious commodity and I don't take it for granted. So thank you. Now, without further ado, let's go in this one of the Happy Hustle. All right. J.P. newman, my man, welcome to the Happy Hustle podcast. I am super stoked to rock the mic with you, man.

Speaker B: I am too. I am so glad we just got to meet. And I knew right away that we were going to be, uh, connected.

Speaker A: Yeah, man, we, uh, fun backstory. We, we met at the Yellowstone Club this past winter and we got to shred some epic runs together on the mountain and. Yeah, talk about a, uh, uh, crazy place. I mean a complete private ski mountain for the. The elite of the elite. I'll say like that.

Speaker B: Elite of the elite. And we got the last three days of fresh powder, which was a pretty nice gift.

Speaker A: Oh, it was, it was, man. And speaking of gifts, I feel like this is going to be a gift to the audience today because we are talking all things Fulfilionaire, which is such a great phrase and concept that you created. I mean you've created many things. You're an entrepreneur, you're an investor. You're the founder and chairman of Thrive fp. You're also a founder of a real estate. That's the real estate investment firm that has done over $2 billion. Is that. That's with the B, right?

Speaker B: That's B in transactions. We've done quite a. About 20,000 apartment units.

Speaker A: That's insane, man. That's a crazy number. 20,000 apartment units. Yeah.

Speaker B: You're also the creator of about 900 million in lending money. So we're also like a bank for real estate, so we've, we've seen a lot of transactions.

Speaker A: Yeah, that's insane. Those numbers. Uh, but you are the creator of Fulfilionaire, a professional coaching service that helps high net worth individuals redefine wealth behind or beyond. Excuse me, their net worth by achieving greater clarity and alignment across four dimensions. Purpose, people, presence and play. And I'm super excited to dive into all that. And through your writing and your speaking and your programs, you blend practical financial strategy with inner work. Helping people move from fear based money decisions toward stewardship, generosity and a more grounded sense of. Enough.

Speaker B: Woo.

Speaker A: I'm pumped, man. This is so in line with the Happy Hustle and what we talk about here. How to systematically harmonize both ambition and well being, AKA the definition of the Happy Hustle.

Speaker B: Yeah.

Speaker A: So I'm pumped to get into all that. But before we do, jp, I always like to ask, what is something interesting about yourself that not too many people know?

Speaker B: I love to sing karaoke and um, having this raspy voice, which is a great podcast voice. My brain told me I couldn't sing because like, how Can a guy with this raspy of a voice sing? And so I'm going down a rabbit hole of, um, apps, coaches, because my ultimate dream is having my wife and I write a song and do a duet together in the next 12 months.

Speaker A: Oh, I like it. I like it, man. That's great. My wife and I, I told her I was like, we should sing at our wedding the, uh, song shallow together because she's got a good voice. I do not. But, uh, for Bradley Cooper and Lady Gaga, and I was like, let's practice. And then we never did it. So I'm excited. If you do pick shallow, let me know. You got to send me the clip.

Speaker B: I would love to do shallow right now. I got to see how this raspiness, this Joe Copier raspiness, you know, translates. You know, it's fun. It's fun to have this voice, but it's. And it's funny. I had one coaching lesson or two so far, and I immediately went much smoother. So it's funny how this, like. Like, we all have these instruments in life, and learning how to play the instrument nobody teaches you is pretty fun.

Speaker A: No, that is well said. And speaking of instruments, Ah, you like this transition here. I know you created one through fulfillionaire and your m. This venture that is just changing people's lives and trajectories. Um, tell us, just what was the inception behind fulfilling?

Speaker B: Yeah, you know, I have been doing commercial real estate for about 25 years. I deal with investors, so I'm a syndicator. I've got about 300 clients, but I've had thousands of clients. And what amazed me, as I was getting older and more mature in my career was that I'd have these conversations with wealthy people about philanthropy, about if they're happy. And the amount of stress really was like, I couldn't believe that these people were worth, uh, 20, 30, 40 million. Not only were they going through stress, but they were finding a hard time finding generosity, because I started. I actually launched a nonprofit about five years ago. So for the first time, I was raising money for charity. And I couldn't believe that some of my wealthiest friends and wealthiest clients were the tightest. They were giving me. They were giving me, you know, $1,000 check, and they're worth 50 million bucks, you know, and we're changing residents lines in our apartments. And I. It got me curious as to, like, why would there be so much lack of fulfillment, lack of clarity? And I also know from my own journey, I made money late in life. I started Making money, like, real money. In my mid-30s, I was a. I was a late bloomer. And I even know from my own journey how hard it's been for me to really go from a place of like, chasing money and finding money and that adrenaline that we all go through as entrepreneurs. And then when you finally make the money, like, I just assumed after like 15 years of Tony Robbins and vision boards and affirmations and waking up at 5am, I just kind of assumed that when you had the money, you'd finally be happy. And what I found was when the chase stopped of like, being on offensive, like chasing and finally got the money, which I call you, you know, it's like I was actually going through anxiety and depression and more insecurity than I've ever gone through before. It was probably one of the darkest years of my life, which made no sense to me. I remember when they delivered my custom BMW that was on my vision board, I didn't get joy, I got panic. I'm like, oh my God, people are gonna think I'm an asshole. Like, what's, like, what's this about? Is my wife gonna divorce me? Like, am I gonna change? Like, there was so lack of any clarity for me around what money actually meant. I was so busy chasing it. Cause I thought that was the thing that would bring me a feeling of external success, happiness, respect, all the things that I expected money to bring. And it didn't. And I didn't know why. And so I had to go on my own journey to figure out what the heck, how could I have made it and feel so off kilter in so many ways. And, uh, a lot of this was my own journey. So when I was talking to these investors and these people about raising money for really good causes, I could feel they were paying because I knew they were pain.

Speaker A: Uh, yeah.

Speaker B: So I wasn't even judging them. It's like, I've been through it. And so fulfilling here is kind of what I say, what happens in life when you go from success to significance. Uh, and I'm in that part of my life of the second, in my late 50s now, and it's like, I want to pay it forward. I want to pay the hard lessons I learned. And I've turned it into a framework called the fulfilling or framework. And I want people to quickly not have to suffer as long as I did, to find joy and fulfillment and really alignment where my money and my joy are one. And when I was out there listening to our colleagues out there, a lot of them were talking about mindset, hug your kids or spend more time being a better dad. But you weren't telling me how to make the money or how to save the money and not lose the money and how much is enough and all the things that are actually really important. Uh, and then you've got the Instagram, Lamborghini bros who are like seven steps to a million bucks. You're like, go wake up every morning, go in your cold plunge, da da da da da. Don't stop until you make it. And none of that is going to get you to joy until you integrate both the mindset and our framework down the lines. And that's fulfilling errors born from what I was seeing out there. My wanting to serve the next generation of entrepreneurs, to find that wisdom and joy and fulfillment and alignment faster. Wealth on your terms, not wealth on someone else's terms.

Speaker A: Mhm. Amen to all that, brother. Wow.

Speaker B: I know it's a lot. I didn't mean to give you such a mouthful.

Speaker A: No, I love it.

Speaker B: I'm a little passionate about the subject.

Speaker A: Yeah, man. Well, you know, success without significance is the ultimate failure, as Tony says. Right. Uh, it's profound in its simplicity. But money doesn't buy you sustained happiness. It can even. Maybe when you got that BMW, you had a spike of dopamine and then the anxiety set in. It's not sustainable. Choosing happiness is just that, a choice. Joy to me, is something that you cultivate from the inside out. And you live it, you embody it. But to your point, you have to align your money and your meaning, the intentionality of both, and there really isn't a great framework for it. You know, I'm really glad you created it. So let's dive into the fulfilling our framework, break it down for us.

Speaker B: Well, first of all, I call it the fulfilling our framework is the four P's which you mentioned. It's. It's presence wealth, it's purpose wealth, it's people wealth, and it's play wealth. But before I jump into that, how many people? I've mentored a lot of people in my lifetime, and I find one of the first questions I ask somebody is, where are you trying to go? Where are you trying to get to in life? Like, what's your goal? And usually the goal is a number. It's not a. It's not an emotional state. It's like, I want to be worth 10 million. I want to 3x my business. I want a Lamborghini, I want to work on my terms. And all those are great answers, except they're not going to get you to fulfillment because from a brother who's done it, who made the money, you just want another number. A billionaire wants 2 million. The hamstring won't stop because until you really know what the money's for. See, most people are chasing the money, but you're really not trying to chase coins and bills. You're trying to find a feeling. The money is there to find the feeling of joy, presence, peace, happiness. You can keep adding to it. So until you really know your roadmap, Carrie, Jack would be like me inviting you to my house for dinner but not giving you an address. That's how most people are running their money right now. I'm gonna invite you over for a nice meal. I'm not going to tell you where I live. How do you think it's going to go? How are we ever going to get to like we're never going to connect. You're never going to have a nice dinner at my house and you're never going to feel like, like you could relax. So I kind of consider like without that roadmap of the 4PS and that's why I created the framework. So if you're not sure if you think it's about 2xing your business or it's about a boat or taking 4 weeks off a vacation with your kids, it might be partly that. But you've got and you've gotten deep into the hows and the things, but you missed the why. You missed finding the feelings. Uh, so if you think about it, Carrie, Jack, on the most basic level, the four Ps take you right to the emotion. I'll explain to you. So when we talk about purpose, wealth, and I know Kerry, Jack and then chills because I know you're a purpose, wealth kind of guy, you know, the purpose, your purpose, wealth really is your legacy. It's uh, is it to be a good dad? Is it to be a church leader? Like, what is it that you, you do such a nice job of this on your retreats, taking 10 men out there to get closer and closer, whether it's through medicine, through the work, through the bonding. But what is your purpose? I mean, really think about it. What are you trying to achieve with, with your roadmap to everything. And that's really a connection to the emotion of meaning.

Speaker A: Mhm.

Speaker B: And all of us without meaning, we can't get very far in our joy map. We can't get very far if we don't have a north star. And that meaning can change. But you gotta have something you're going to that actually like you would die for it. Like I know you're like, you know, I call it, you know, the software is, you know, the why that makes you cry. But sometimes it's like what do you want to die for at the end of the day? Uh, and that's really critical. And I know you're doing a great job waking people up to that. To that. Why. Yeah, the second thing, I'm keeping this kind of high level for now. The second thing of people wealth. People wealth is relationship to yourself. It's your own people relationship to the people closest to you. Your friends, your family, your community, your customers are part of your people wealth. Uh, like every piece of it. And people wealth on the emotion, it's a connection to love. Uh, so you have connection to meaning. You have connection to love. Because if you're not really feeling love in your heart and you're just working so hard on Red Bull to like make the money, but you kind of missed out that like you're there to serve your customers, whatever your product and service is. I know you because you, you quit your business over this. At a certain point, like if you're not really loving on your customers and passionate about their well being, you're kind of missing a piece of the point and maybe leaning too hard on the AI in the spreadsheet versus like feeling the meaning and the love for what you're doing. Right?

Speaker A: Mhm. Yeah. Let me double click on that real quick jp. Just so people can stay with us. Because it's so gold. Just all of it. The purpose. Well, you know the why before you die, that connection to meaning, I just want to again echo that point. That is in my opinion why so many people don't feel fulfilled right now. You know, they, they just um, they are, they're not happy hustling in true alignment with their divine calling. It is a money grab, it is an ego play, it is a power trip. Whatever they're driving them, it's not from uh, aligned state of a higher calling. Right. And, and that's just, I think if you get nothing else from this episode, which is going to be near impossible. But uh, if you take nothing else away but just question your alignment in the purpose wealth category, that I think is so profound. And then you talk about the people wealth, that connection to love, that connection to, you know, your relationships, the people that you serve, the people that serve you, your family, your friends, your community, that that's really what, what fosters so much daily Gratitude for me, you know, and, and just I look around my, my, my life and my network and the people who would basically you know, do uh, show up and, and be there like my ride or dies and I feel so blessed and it's because I've really invested into the people and, and so again just double clicking on those two before we move on to

Speaker B: the final and Kerry, Jack, I just thought of something as I'm, as you were talking.

Speaker A: Yeah.

Speaker B: If you think about currency of money, it's a current.

Speaker A: Yeah.

Speaker B: And part of the current, like a river, it flows in order to flow. It's giving and receiving. Actually that's actually the secret of money is when you're truly in current, if you're, if you're in scarcity, you're actually blocking your river. You're blocking the current. It's going one direction but when you finally have safety and trust, then the current gets the flow. And you know what, with love as part of people wealth, it's actually a similar current because Carrie Jack, as I'm listening to you, it's like what you're describing to me as you're talking, it's like you're giving and you're receiving. What creates the love, the feeling of love and sad deep satisfaction. It's the same. It's the current of love. So like the similarities of money and people of having a currency that's truly flowing through you because if you just give, you'll go broke in money and you won't get the fulfillment or the love from, from, from the people wealth, it's truly in the receiving and, and it's funny because it's easier to receive money than it is sometimes it is to receive love. It's just opposite but it's the same wound up current. And when you're in flow and Carrie Jack, I know that you are, I know that I am the amount of love that I get to give to people and mentor people and love them up and the amount I get to receive is kind of insane at this point. It's, I count my lucky stars. Like you said, it's a great pathway towards gratitude.

Speaker A: Oh yeah. No, I love that visual of the current, that state of uh, constant flow like energy. I think of the energy we put out, the energy of this fiat dollar. Right. Uh, it just signifies, you know, a transaction of value. Right. But at the, at the core and

Speaker B: energy, same thing and a store. It's, it's stored energy.

Speaker A: That's it. Yeah, it's stored energy. We're using our stored Energy to typically buy time or experiences. Right. Sometimes toys, you know. But um, but that's such a great point. I'm really glad you just touched on the scarcity versus abundance and why it's so important to live in that flow of giving and receiving. And truly when you do receive and you receive wholeheartedly, you bless someone else's life who gave a hundred percent.

Speaker B: You know, it's often there's eight levels of giving spiritually. In Judeo Christian Wisdom, there's actually eight levels and they each have higher levels of spirituality and actually they sell this. I'll just cut to the chase on this one. This could be a whole other episode. But I love it. I think a lot of people assume that giving money away, it's like they, people will say that they think the highest level is giving anonymously. Like if I give anonymously. And actually there's many cases where it's better not to give anonymously. But that's a whole other podcast. For now we'll maybe we'll say that to the end. The highest level of giving is giving somebody from what whatever you gave them, whether it's money or a skill, gets um, them off. The shame cycle of having to ask again. When you break the shame cycle through your giving, you've just done the highest energetic level of giving which I'm sorry, I know I went off on a tangent but, but you just kind of beautiful.

Speaker A: That's the joys of, you know, like a uh, non scripted pod in my opinion. The BS versus robots where it's like, you know, just no response, no interaction. That's not what we do here at the Happy Hustle. We, we let it flow. And uh, speaking of your money flows,

Speaker B: there's one more thing I'm going to continue with you. I'm going to go down to. We're in the middle of the fulfilling framework and we'll get to last year. I want you to think about something.

Speaker A: Cliffhanger.

Speaker B: Stored energy is actually what prosperity is on every level. I'm going to ask you a quiz and I'm going to tell you my answer of what prosperity is. What is your answer when I say because this is part of the P is a prosperity is actually what supports the four Ps. Your prosperity is the very core. It's the anchor that supports the four P's. So uh, if I was to ask you, Carrie Jack, what's your definition of prosperity, what would you say? I'm giving you a hint at story energy. Huh?

Speaker A: Uh, peace.

Speaker B: Nice.

Speaker A: Yeah, like true peace.

Speaker B: In my formats, prosperity is when you have your embodied health. Your mind, body and soul are healthy because without it, you can't get anywhere. You're not paying up money. So embodied health and wealth, meaning your financial plan, between your passive income, your money's covered. You're not worried about your rent. You're not, you're not wincing when the bill comes. You're not saying, oh, shit, I just got a repair on my roof today. I made my, my, my Assistant made a $3,000 mistake today. I, I bought a friend's book. She bought more than I thought she was going to buy. Um, I didn't love it. I don't love it, but it didn't really jump my nervous system at this point. That's prosperity. That is prosperity. So embodied health and wealth is the support. So from what we're saying, you think about it, that stored energy, health is stored energy, right?

Speaker A: Yeah.

Speaker B: When you're healthy, what do you have? You have energy when you're in disease. When you're in disease, you're missing energy. So it's like, so stored energy of health and then stored energy of your currency is what I think prosperity actually is.

Speaker A: Yeah.

Speaker B: And, and peace is a byproduct that you're saying that comes from that prosperity.

Speaker A: Yeah. No, I love it, man. I mean, just talking about, you know, prosperity, money blocks, self living, limiting beliefs. I want to get into all that because I think that plays into maybe the chasm that people are currently facing when it comes to reaching purpose. Well, people wealth, you know, and presence and play wealth. But ultimately, let's stay on the rails just to finish and land the plane for those. Give us the final two of, uh,

Speaker B: uh, final two, drum roll.

Speaker A: Here we go.

Speaker B: So it's interesting. I talk about presence, wealth versus time wealth. How many people are talking on your show about time wealth? If I just had more time. And I think time is the wrong thing to measure because we all have the same amount of time, rich or poor. We've all got the same amount of minutes in the day. And, uh, I think it can cause guilt. I almost feel like too many people on Influencers are speaking about, like, it's almost making you feel shameful for working hard. I think there's times to work hard. I worked my butt off. I worked a hundred plus hours. There's times in life that you do things, and I think we shouldn't guilt people. What's more important is presence wealth. Um, and presence wealth is actually your relationship to time. And Carrie, Jack, it's kind of like, how much time are you spending waking up happy, living your day in presence where your phone's not. You're not just. You're not just reacting to your phone or your emails, but you're actually clear what's important to you in your business. The three things you need to accomplish this week, the things you really want to give your friends. You're really, you're coming from a place of being proactive versus reactive with your time. So really, uh, prosp. So really presence wealth is your connection to time, and you're really your relationship with time as opposed to time itself. Time itself is time. How you're spending it in your states is a much more interesting question. And finally, I think the one that people really don't get and it's never talked about is play wealth. People are like, play wealth. Whoa, dude, I'm building a company. There's no time for play wealth. This is the serious time. Uh, uh, and people think of play wealth is like, I can't go to Burning man, or I can't, I can't race cars in the south of France. And really all playwealth is, is really ultimately one of the things that light you up. It's a spiritual practice of what's your connection to the emotions of joy and aliveness? Uh, because if you don't have your joy and aliveness, how are you going to be a dynamic entrepreneur at work if you're not? If like, for me, singing right now is play wealth. Uh, drumming is play wealth. You and I skiing together, like when we were together in Yellowstone and like hitting and losing in flow. Anything you can find as playwealth, it could be hosting three people for dinner. It doesn't need to be this complicated thing. When you lose yourself in the joy, you know, you probably hit some kind of play wealth. That also hits time too. When you lose yourself in flow and you lose track of time, you're actually probably hitting both play wealth and you're probably hitting, um, um, your presence wealth. You know, you're in presence when you're kind of hitting that as well. So I really say that people wait, they think it's. Yeah, they feel guilty. And I really encourage people to dive in, to know the things. It'll make you a better at every level in the four P's by really exercising. It's a spiritual practice.

Speaker A: Play well. Uh, I mean, so well said. I. I can't tell you how many high performers I see and I see under the hood of a ton of different high performers and their businesses, because that's who I serve, you know, with, with the Happy Hustle and our Happy Hustle club and our masterminds and the amount of people who struggle and I'll. And I'll use the term guilt free to do fun shit for themselves. You know what I mean? It's like, it's just like they can't figure out how to do it. It's. It blows my mind. Because truly, you know, when you're giving to yourself in that manner and play wealth under that category, you are one activating different centers of the brain that create, you know, many different neurons and synapses. Especially if you're learning a new skill, you're doing a hobby. You know, we call it passionate hobbies inside of Our framework, our 10 alignments frameworks. But the amount of people who do not have guilt free passionate hobbies on their calendar every single week, maybe it's you right now listening. And I'm not here to shame you, but I'm just here to like JP is to. To show you the promised land, my friend. Or at least talk about it and how much sweeter it is on the other side. Because when you give to yourself and you, you have fun, you play. I mean, I say fun is fundamental. You know, you really need to have it baked into your week. And then you got to treat those, those, you know, hobbies, those, those joyous moments and occasions like you would a board investor meeting. You know, you treat it like you would a podcast recording when I'm going fly fishing, you know, that's, uh, that's the importance I treat it. When I have my martial arts training that's important. I train it, you know, pick up soccer, dancing with my wife, Whatever it is. You gotta prioritize the play. I'm so glad you went there. And then just.

Speaker B: It's your creativity, it's your aliveness, it's your joy. It's a spiritual practice.

Speaker A: It is. Who are you?

Speaker B: Who are you? If you. If that fire is not like people feel as the leader, they're looking to you to see if you're on fire. You know, Carrie, Jack, what I have found, I was actually had a recent client who had a $50 million exit and he was saying that he cannot find his. His joy. He's really having a hard time finding fulfillment. And what I quickly figured out with him is, and it happens to a lot of people out there. I don't know if your audience can relate to this. Yeah, people tend to over go to like, what I call like they're chasing status, which is your watch, your car. The Lamborghini, bro. What are you wearing? How are you dressing? So you play so much of the role of status, but you miss the part about playing experiences. The fulfillment never comes from the status.

Speaker A: No.

Speaker B: If I buy a nice watch, if I'm driving a nice car, it's only because it makes me internally. It just lights me up. Like my, my car, I'm a Porsche guy. I drive that car every day. I was just driving. Like, I'm like, how could a car be so good? And it lights me up every time I hit the. On that car.

Speaker A: Yeah. And.

Speaker B: But other than that, I think just again, if you look at how we're raised, if you look at our new movies, like people think that status and, um, status will never get you. The action really is in the four Ps. But play wealth is the one that I think is the secret that's mostly not looked at. And if you could take a little less status out of your life and a little more into the play, wealth, experiential wealth, and then that's going to take you right into the, uh, that'll get you to the rest of the piece because it's. You're going to meet with people that you love. You're probably going to find your purpose, your creativity, your company will probably make more money because like, people are like, people want a. As, uh, you know, people want a cause to root for. Uh, and who, who doesn't want an aligned leader who's not bogged down in stress and fear and scarcity and just trying to fake it and nobody, everyone knows when you're faking it.

Speaker A: Yeah. Oh, so true. Yeah. And I mean, you know, you mentioned experiential wealth like that to me is what it's all about. You know, we don't know when we're going to go. Like, we have no clue when our last breath is on this planet in this meat suit that we're wearing right now. Right. This is, this is a fact. I mean, I almost died in April 2022 from carbon monoxide poisoning. And that really shook me. I've almost died multiple times. But that was one that I was like on death's door. I just chugged full of carbon monoxide in my bloodstream. And, um, the fire department came and, you know, said, we've never seen this amount of carbon monoxide in a house with living people. You know, it was just off the record, stale. We had a leaky heater. And you know, it just puts in perspective Like, I mean, what's it all for? Like, you can't take it with you. You're only gonna look back on your deathbed, in my opinion. And you know a ton of people as well as I do who, who do have regrets because they spent too much time chasing the materialistic BS and not focusing on play wealth, not focusing on presence wealth. I mean, you know, maybe people are with their kids, but they're thinking about work. And, and this is something that, uh, sometimes I got a Cheeto chop myself in the neck and be like, gary, what the fuck are you doing, man? You're supposed to be, we all do, you know, present right now.

Speaker B: Like, we all get caught up in it. And like, even for me at this point, it's like every now and then scarcity hits me, like, oh my God, that person's worth 50 million more than me. Like that comparison. Like that crazy monkey brain. Like, do I have enough? Maybe I shouldn't, maybe I shouldn't spend that on the house right now. Like, and so it's a spiritual practice. It doesn't go away? No, it's a spiritual practice. Just like working out or you don't end it, you just get very aware of it and the monkey gets quieter, but it doesn't go away. My experience.

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Speaker B: Well, the number one thing is very practical. Carrie, Jack. The way I've done my finances and I teach this on my fulfilling our workshops, I have something called the wealth pyramid. And the wealth pyramid really does two things. One, it's a relationship in simplicity. The wealth pyramid is a relationship of how much liquidity do you have, how much active income do you have coming in from your job, how much are you making, how much passive income do you have coming in from your investments? What's it take to live? I call it your freedom number. What's it take to live your life that gives you, makes you feel like a fulfilionaire, not someone else's dream? What's your dream? And then how speculative are you doing your life? How clear are you with your investments? Are you all over the place? Did you do SpaceX this week because you 10 of your friends did. Or are you sticking to like, I know my freedom number. I'm either there or I'm 50% there to my freedom number. And this is my reinvestment rate. Like, I'm clear. And then as you make money, Carrie. Jack, for me, I have what I call safety stops. And safety stops are. I have certain amount of asset protection strategy. My asset protection strategy is just as much as my, as my investment strategy or my taxation strategy, which is when you hit down times like now in real estate, I have a lot of trust, family trust, life insurance, homestead. You do all the things you can so that if you are forced to go backwards, which by the way, certainly can happen in this wild world of black swans, wars and oil shortages. But if you kind of know that you've gotten to the point or you're working towards a point clear plan, this is back to like coming to my house for dinner. Here's the address. Once you get the address of your plan in place through the wealth pyramid and you have backstops, if like no matter what happens, no matter how crazy shit goes, I won't get below this, I'm going to be okay. And a lot of that comes from also when your passive income equals your dream number that you're at right now, your freedom number. But there's certain things I teach in my workshop, there's about five of them. And once you get to the practical fundamental structure and even sometimes if you're not there, if you're a listener that's not there, even knowing that you have a plan, that you're on your way and you have that clarity of the address, it takes your nervous system down incredibly. And as you know, Carrie, Jack, most financial planners, I've been through about a hundred of them, they all teach the same thing. I call it first one dimensional wealth. Uh, they're not talking this way about how does your money going to connect to your, your dream life and how are we building a plan? They're talking about, hey, when you're 70, I'm going to make sure that you're in a diversified portfolio and growth so that when you're 70, you won't be homeless, which is all scarcity thinking. Um, we're not going deep into tell me my lifestyle now and how you're going to make me happier. How are you going to make me feel safer and clear now? M. And that's really, it was really that dissatisfaction with all my private wealth guys who I fired a bunch of them. In fact, most of these days I say you don't want to talk to me. I'm not your client because we're not going to get along. And that was part of the birth of fulfilling ours. Just to create a better, more empowering way for people to get to safety and clarity. And by the way, with AI now I can get you if you say jp, that's nice Carry Jack. That's great about the, you know, the Happy Hustler. That's very. The Happy Hustle. I have no idea what my purpose is. I'm going to call BS on that. And if you give me two hours in my workshop or I'll even give it away free to you, like literally spend an hour with me and some prompts from some of the world's smartest people and we will start crack open, giving you hints. If you say, I don't know what brings me joy, I'm going to help you crack that open. Because guess what? We can figure that out,

Speaker A: man. Some sage words.

Speaker B: I know it's a lot. I'm sorry, I'm throwing a lot at you.

Speaker A: No, I love it, man. Um, the wealth pyramid. I do like to recap some of the things that stick out in my mind. So at the bottom, just for the visual, for people. And I know you have this in your system, but just for people listening, um, watching, hopefully we could put a graphic up for this one.

Speaker B: Uh, but we have the graphic.

Speaker A: Yeah, we'll put the graphic up. If you're not watching the YouTube, it's probably wise to just watch it. Um, because the graphics help. I'm a visual guy. So you got the liquidity at the bottom, then you have your active income, then your passive income. And at the top is your freedom number, is that correct?

Speaker B: Top is actually how much you're speculating. And I'll tell you what the pyramid really does. Most people carry Jack, as you know, because if you don't have a roadmap, you tend to over risk and over speculate more than you even realize. And I'll define that what that means. And you do it because you don't know how to feel safe. So you're like. Or you feel like, oh, uh, I have M. Carrie, Jack's doing SpaceX for 1.5 trillion. I'm in. How many times do we do what we think other rich or successful people are doing? Uh, but the problem with that is again, it's lack of a roadmap and lack of safety or lack of clarity. So really, if you think about the relationship of the wealth pyramid, it's your Liquidity to your investments, to how much you're speculating. I define liquidity as anything that you can safely liquidate within seven days that doesn't have high volatility. So Bitcoin is actually not in your liquidity because you're not going to sell. If you bought your Bitcoin for 80,000 and it's worth 40, it's not highly liquid. It's liquid. Subject to. What's really liquid is your cash. Uh, if you have Treasuries, if you have certain REIT stocks that tend not to bounce up and down too much, uh, bonds, things that you really could cash in and feel like. If I say to Terry, jack, I've got the best investment ever, this is the one of a lifetime that you could cash out without having to take penalty or worrying about timing, that's liquidity. Most people tend to not know how much liquidity they need in their business or how much liquidity they need at home to feel safe. And part of this is strategy, and part of this is nervous system.

Speaker A: Yeah.

Speaker B: And if you're not answering both questions, you're not. You're not going to clear the right roadmap here. Uh, and so what's the answer? You want to hear the answer to this? It depends on you.

Speaker A: Yeah.

Speaker B: I can give you ranges. The ranges I say are six to 24 months, six months or 20 to 24 months of your burn rate and how much is good for you. You need to answer both those questions. And it also depends where you're at in your life, in your life cycle.

Speaker A: So six to 20, uh, four months. You're talking liquidity specifically, right?

Speaker B: Specifically liquidity.

Speaker A: Okay.

Speaker B: Defined as how I just defined it.

Speaker A: Right.

Speaker B: So if your burn rate's, you know, uh, 20,000amonth, I say you should have, you know, times 6,120,000 to 3 or 400,000 of liquid, which doesn't necessarily mean cash. It means liquidity.

Speaker A: Yeah.

Speaker B: And then here's the fun part. You want to hear the fun part about this?

Speaker A: I would.

Speaker B: Don't you love when you get a great deal? Like, what's one of your favorite material things in life? Is that a motorcycle? Like, what's one of your favorite things that you just, uh. Is it a nice piece of clothes? Is it a car?

Speaker A: You know, I got a. I do have a, uh, 72 Cutlass Oldsmobile Supreme. Black, you know, leather interior, just. But it's a convertible and it's classic, so.

Speaker B: So what I was going to tell you is, like, for me, I love German sports cars. I just can't get enough. I got my eye on the new Porsche 911, which is a 702 horsepower, 0 to 60 in 2.3 seconds. Oh yeah, I'm freaking out. I really want one soon. Like it's on my wrist. And what's so cool about once you know your liquidity when people say, is it time to invest? So you think about it. Once you kind of know what you need to feel safe and you declare that, which is what we do in the workshop. Everything else outside of that is excess cash that you can invest in more passive income to keep building your passive income up or put the money in your business, depending where you're at in your cycle. And here's what I say. The next time you buy your classic sports car, Carry Jack, who doesn't love a good sale, right?

Speaker A: Yeah.

Speaker B: So what if you knew there was one right now and it was twice a desperation distress and you could buy a 20,000 under market. Are you buying that car for 20,000 under market right now?

Speaker A: Probably, yeah, probably.

Speaker B: Uh, if I get that 911 on sale, like it's got 4,000 miles a guy's got to get out. I'm ready to buy that car and I've got the cash to do that. The point is with stocks, it's the same joy shop. Don't shop for everything. Know what you're trying to do in your past cash flow goal. Know what you're doing. And at uh, what I call a reinvestment rate, which is how much you want to get returned between your, your risky and your low risk and your boring. How much do you want to get on that path that's going to get you to your freedom number for me, I'm a bit older, I'm conservative and wealth preservation. If I can do an 8% of my money right now, I love earning 8% which means sums and treasuries and then sums. Kind of risking it because I know how to make money in real estate. I'm a real estate guy where I hit home runs. People bring me all the, they bring me good deals all the time. I just bought a killer Walgreens like three weeks ago. It was on sale like and so that's my home runs. So all I gotta do with my other money here and the wealth pyramid is not lose it and try to earn 8% on it. It's really, really simple. So it's that clarity between your liquidity.

Speaker A: Yeah.

Speaker B: Your cash flow and what you wanna buy on sale. Don't try to, don't look at 300 things that your bros are looking at.

Speaker A: Yeah, yeah.

Speaker B: Find the things that you love to invest in that you believe are going to work and that you understand if you don't understand it and you're trusting other people. I can tell you in my life how badly I had someone call me Yesterday. They lost 250,000. And uh, what that person said to me was, damn it, I knew better. I trusted and didn't do the research. Uh, you lost a quarter of a million and they were freaking out. And that was my call yesterday. And they're still texting me as we're speaking right now. And so what if you picked your version of a classic car? So for me right now it's AI tech stocks for sure, but not necessarily just the big ones. I have enough friends in Austin, Texas who are always pitching me that I'm going to wait. And then, by the way, here's where speculation does come in for most people, depending where you're at in your life, between your net worth and your age, your speculation should be somewhere between 2% and 15% at the max of your total liquidity and net worth. So here's the fun part. I do like. I actually invested in a couple things that are highly speculative. I define speculative. Likely will not have any cash in the next two years or more. And I've over speculated like most people, you find a bro, you find a 20x. But I can tell you I've got investments that are 8, 9, 10 years old that I'm still waiting for a return.

Speaker A: Yeah.

Speaker B: And, and I can tell you I think in hindsight it's a mistake. But now, every now and then, if you want to speculate and put a $25,000 poker chip out rather than a quarter of a million dollars or 100,000 poker chip. Sometimes you do speculation for relationships.

Speaker A: Yeah.

Speaker B: Sometimes you want to go for the 20x. And sometimes like for me, I just did a speculation recently, it was in a diaper. It was a sustainable diaper company. Um, that your brother would dig that. Actually the plastic eats in six weeks rather than, you know, 200 years. And I so believe in that. And the entrepreneur that that might be become a return on community. It might not be return on investment, but I picked an amount in my speculation bucket. So what I'm urging in this relationship is know your liquidity, how much you need.

Speaker A: Yeah.

Speaker B: Pick things you love. Find something that's a 10 out of 10 of interesting to you. Track it, wait for it to go on sale, whether it's a stock price or a moment, be patient and enjoy the win and manage your speculation that it's strategic, uh, and have a reinvestment. Right. And if you do those things and I can help putting your cut and uh, the wealth pyramid is dynamic. It's always going to change. Your needs are going to, you're going to get married, you're going to have a kid, maybe your kid goes to college, maybe you want to travel more, maybe your business needs cash one year, maybe you made $500,000. Like it changes. It's a dynamic wealth pyramid. But if you follow the wealth pyramid, that relationship and being clear in that relationship is how you're going to get to my house for dinner. You know what I mean? That makes sense.

Speaker A: Yeah, it makes sense. Tons of sense. And it's almost a shame that we don't get taught this earlier. I mean, it is a shame. It's not almost. It is a damn shame. You know, you just think about what you just broke down like that. I don't think I've ever heard it broken down like that in any of the schools, any of the conferences, any of the anything. And it's like it's so imperative to your nervous system, well being and to just.

Speaker B: You will not find fulfillment until your nervous system, your brain, your money and your health are in alignment. Otherwise you're not going to find it. Trust me. I know many wealthy people like you do. I know billionaires like you do. Like I hear the same story again and again and again. You and I, that's why we get to do our podcast.

Speaker A: I know, I know.

Speaker B: It's crazy how people find that fulfillment.

Speaker A: Well, and I mean for people who are on the path right now, uh, let's kind of break it down for someone who maybe they're still really focused on the active part, you know, uh, like they're, they're, maybe they have a business, but it's still in its infancy. Right. It hasn't, ah, like you said, come up on real money yet. You know what, what wish, what do you wish you would have done in those infancy stages of accrual, like where looking back now, you have more perspectives saying, damn, you know what, I just didn't take enough chips off the table or I didn't double down enough in my business or, you know, I didn't hire the right people? What comes to mind for you when you're looking at, uh, an entrepreneur who's in its infancy and how to really set up their, their wealth pyramid effectively to get to that dream reality?

Speaker B: Yeah, I'm going to give you two answers. That one's going to be a mindset and one's going to be a tactic, if that's okay.

Speaker A: Please.

Speaker B: Uh, on the mindset side, if you say jp, Carrie, Jack, I hear you. I'm not wealthy enough to think about this yet. I would say stop and do it right away. No matter where you're at, you need to have a roadmap. And remember, the map's gonna change, and this will change. Or this one tip will change your life. If you just have a roadmap. Now, let's just say you're just launching your business. You're not quite there, but you do what we just said in the wealth pyramid now, and you start having little wins. And this is so important. If you say to me, hey, when I get. I'm only 10% to my dream, I'm, um, 90% away from my dream. But when I get to this next sale, I have a $5,000 sale. I'm taking my girlfriend and I out for a nice meal. I'm going to go spend 500 bucks, and that's going to motivate me. That alone of you starting to manifest big things using your muscles through this pyramid. It's a big deal because every time you win now and you take that win with an emotional anchor, and it means something to you.

Speaker A: Yeah.

Speaker B: Watch how it grows and grows and grows. I now do it with large numbers. Um, but it started with small numbers. And it really matters because if it's just credits in your bank and there's no reward in it for you that you really care about, it's just not gonna. It's just. It's just gonna be a collection of coins. So that's my mind. Uh, does that make sense? Carrie Jack to you.

Speaker A: I freaking love that, man. JP that is so sage in its wisdom and simplicity. The celebration of the journey is what I distill it to. You know, giving yourself that attaboy, having that reward system emotionally anchor that effort to the result. I mean, so well said. I love it. Keep going.

Speaker B: I do it all the time. That Walgreens I was telling you about earlier is. Is it's anchored to some new art for my house. Like, literally, it's no longer a Walgreens and investment. It's new art that my wife and I get to pick together.

Speaker A: There you go. Like, which is a tax strategy. Right?

Speaker B: Right. What's. Yeah. So, like, it starts small, and then it gets big start. Now. It's the one tip I would tell you on the mindset.

Speaker A: Yeah.

Speaker B: And on the other side, on the tactic side, if you honestly don't know, and I'm telling you, most people don't know, if you don't know what you're spending a year, if you kind of know, but you're a little nervous to find out what you really burn, stop, go to fulfillioner.com we have a free tool for burn rate or you can ask us for it. I think it's coming live. But. But you need to know. You can't kind of know because most people's strategy, whether they're at a hundred thousand, I'm amazed at this, or 20 million, it's a hope and pray strategy. And we gotta break hope and pray into I know what I, I know what I'm spending exactly. I know what I'm making and I have the courage enough. If I'm in a deficit, I'm gonna deal, I'm gonna head with it straight on to know what the deficit is and come up with a roadmap to fix it. If I'm in. Plus I'm not going to hope and pray that it continues, I'm going to see that. Plus I'm going to have a plan through my wealth pyramid and have a plan and it's going to be such a concrete plan with so many wins for me that this just becomes a game. Because when money, which I call the fulfilling your game, when it starts to feel like, not like a burden but like a, a game that you like to play and you're good at it and you keep winning at and nobody has to lose for you to win, guess what? You will find you're well on your way to being a fulfilling.

Speaker A: That's some fuego, my man. I love it. The fulfillionaire gave like the game you like to play and you win, but no one has to lose for you to win.

Speaker B: And by the way, for those people who deny there's a game, for those if you're not looking at your tax strategy, if you don't want to play the game and do your burn rate, guess what game you're playing. You might say, I don't want to play that game. That's what you're doing. You're playing the game and you're losing. You just don't, uh. So by denying the game and not engaging, you're hard playing anyways. You're playing because the government's telling you the tax rules. Everybody's, everybody's got their way and you're just being influenced and messed with. And manipulated and your powerlessness if you don't engage proactively and make this fun and rewarding for you.

Speaker A: Yes, gosh, it's, it's so damn true. And you know the one thing, it's so cliche. I'm going to mention it though. Like you wait till you're 65 and you quote unquote, retire and then you die the next year. And you got all this saved up and you didn't do shit with all of this hard work, stored currency and you didn't go on the trip to Cabo, you didn't, you didn't do that Ironman in Hawaii or you didn't go travel around the world. Uh, you didn't do it and you're going to regret it. So you have to know the game you're playing. Hope and pray is not a strategy here. You know, know your numbers. This is something I will say it takes extreme ownership, as Jocko says. Like the number in your bank account right now is a direct result of your past actions or inactions. And largely you have to take ownership,

Speaker B: be the Victorian, just for compassion. Carrie. Jack, if your mindset is broken, when I say broken, like money doesn't grow on trees. If you're still following what your parents or your grandparents taught you, which most of us do, and you haven't cleared out those things, you can work really hard and keep failing or just keep doing circles and wondering why you're chasing your tail. And I promise you because a lot of these are ah, our money stories as well. It's not lack of effort. A lot of us are trying hard and we just don't get why we're not making it.

Speaker A: Yeah, yeah. No, there's. Let's, let's just. I don't want to leave people hanging with that, that self limiting belief right there that you mentioned, that money story, that's something. It still pops his head up in my. Like I look at, I catch myself looking at the right side of the menu before the left. Often times still, even to this day, I could buy whatever I want on the menu. I still am like living in that because my dad would always tell me, hey, what did you. You can't order that or whatever. It just wasn't that scarcity. So with someone who has a money block right now, who has that self limiting belief, maybe you've had these in the past. How did you supersede? How did you overcome. And what do you recommend others do, by the way?

Speaker B: Carrie. Jack, I just. I know we are on this episode but Just for you. What was your dad's message? Cause this might be helpful, too, to kind of work through your money.

Speaker A: Yeah, yeah.

Speaker B: And your dad's like, what are you doing? Was your dad saying to you, what was the message behind that, really? Was it like, don't be indulgent? Was it like. Was it, we can't afford it? Was it scarcity? Was it indulgence? What do you think the message that he was trying to tell you was?

Speaker A: I think it was, like, the value of a dollar. He always instilled that. You know, he would give us his piggy bank with all these coins, and for lunch money, I remember we'd have to pick out the quarters and dimes and nickels, and we would be the kids paying for lunch in elementary school with the. With a sack of coins. You know, it's like, you know, and so I think we really wanted, quote

Speaker B: unquote, the value of a dollar.

Speaker A: Right, Right.

Speaker B: Which is don't be too indulgent. Like, really, you need to appreciate this, which Hasm can have a lot of scarcity. There's nothing wrong with teaching your kids about that, but it can have a lot of scarcity baked into it.

Speaker A: True.

Speaker B: You know, versus, like, what have you. But it. But. But it's a very loving, innocent thing to do. But it has. It probably has a scarcity tale on it as well. And so to answer your question, um, you know, for me, one of the reasons why I went into a panic attack when I got the Beamer was I was told, you can't have it all. Uh, and so when I thought that my wife was gonna leave me or my friends would think I'm a jerk or whatever that was, I thought, now that I hit money. And I had no idea this was subconscious. The reason I went into panic and anxiety was, you can't have it all. So I assumed I would have to get a disease. Like, something was gonna. Like a will was gonna fall off. This couldn't be as good as it could be. You can't just be a fulfilionaire. Like, you can't have it all. And so my mind, I didn't know, was just going into that. So what I would say to somebody is, um, a. If they want to come to our workshop, we work on. We spend the first three hours on somatic killing and going through these money stories. But the answer is, you have to be able to identify yours first for your audience right now. I would say, really take. The question is, like, what do you think your values around money might Be notice. And this is a great way to figure. Well, I'm going to. This gets a little complicated. It's great. Um, my workshop deals with some, there's, there's some exercises, but I would say if you can even get some access of what was your life around mining as a kid, from your church, from your school, from your friends. Most of these, most of these mindsets probably came from when you were 10 or 8. I had to finish all the food on my plate. Like there was no, there was a clean plate club. To this day, when I'm not hungry, sometimes I catch myself eating. And now sometimes I'll leave three pieces behind to remind myself of my abundance that I'm not that memory. So I think number one is to shine a light on it and number two is to really work with someone. And through my podcast, like there's some people we do it in my workshops. How can you replace maybe that limited scarce belief with something more empowering? I can tell you like I went from I can't have it all to the more money I make, the more I get to give away. And I, I love giving money away. I love the fact that I can help my family members help philanthropy. My biggest motivation right now in my life if I'm, if I'm to make a lot more money, is this experiment of uh, building a large family foundation with my kids just to give money away together, father and son. So it's turning me on right now is like this idea of an endowed legacy play. I think about it a lot right now, even the summer we have Charles Schwab accounts. I'm Talking to my 19 and 20 year old right now. They think it's about them and it is about them to a degree, but really it's about um, a family philanthropy where they become so good at making money through the rich dad, poor dad. And uh, they also become the best givers possible and they actually learn how to trade for a skill for good. And so that really turns me on right now when I think about, I love it, you know?

Speaker A: Yeah, that's awesome, man. The more money I make, the more I give away. It's reframing those beliefs that's oftentimes the unlock for people. And we don't even realize we're self sabotaging in our subconscious brains. But it is so huge. I remember for me, and just real quick point, financial literacy in my early 20s was the missing piece. You know, it was like I was just running up a credit card because I just didn't know Better that, oh, this is m free money. You actually pay interest on this like it is. So, yeah, if you don't know the difference between a stock and a bond, if you don't know your APR on your credit card, like it's ignorance, it's. Right now, everything is at the touch of a button in our phones and this little plastic and glass piece of, you know, technology in our pockets. So you have to educate yourself. First and foremost, you gotta go to people like JP's Fulfilionaire Workshop and dive all in, find people who are further down the path and learn from, uh. Where can people go to go and register for that workshop to find out more? I know. I think you have a newsletter you put out with a ton of great content. Where's the best place for people to go?

Speaker B: You do so fulfill dot com. And I'll spell it because a lot of people misspell fulfilling. I joke with joking about that, but it's F U, L, F I L, L, I, O. Uh, fulfilling your I. Oh, I spelled it wrong. I just did it. F U N L F M I L L I O N A R E dot com.

Speaker A: Like millionaire, but fulfill, you know.

Speaker B: Yeah, I'm still working on, you know, I love the name, but it is easy to misspell. Although we've got. We'll catch on the misspell. But anyways, you go to fulfill your dot com, sign up for the newsletter. It's the first thing you do. It's free. We're not going to overdo your inbox. It's really great, great podcast, great strategies and free actually tools and the things that we're talking about. The workshops are on there too. We do the workshops, uh, four times a year. They're very small curated. Uh, and I can tell you that most people say that not only did they create that, they birthed the framework of being a fulfillionaire, but they met 20 just like your things. I keep them small and, uh, you have to qualify. But they met new friends and I've also got involved in new investments that made them a ton of money. And I don't, I don't. I don't make recommendations, but that's a very savvy crowd. Just like your crowd, Carrie. Jack. So the benefits of coming to Austin, Texas and meeting some great people in the same shoes as you is a pretty cool thing.

Speaker A: Amen to that. Uh, yeah, I mean, that's, that's m. In my opinion, the most valuable thing you can give yourself is being in the right rooms, being around the right network, taking, you know, that trip, that chance, that risk quote unquote to get outside of your computer or your little zoom room or home office. Especially with AI and technology, I know we're craving human connection more and more and it's, it's opportunities. Like JP presented going to Austin, Texas, getting around those like minded individuals who are having these savvy conversations about not just strategy, but alignment, you know, and that's the beautiful thing, man. So fulfillionaire.com we'll link it all up in the show notes. I do want to wrap this interview up by putting you through the rapid fire round real quick. All right, J.P. all right. So this is just random. Random. And I just ask you first thing that comes to mind. You answer honestly. Okay, here we go. Ready? Favorite foods?

Speaker B: Hit me. Lobster.

Speaker A: Ooh, that's on brand. Uh, favorite book.

Speaker B: Sapiens.

Speaker A: M. Favorite movie?

Speaker B: Shawshank Redemption.

Speaker A: What's your spirit animal?

Speaker B: Um, a ninja turtle.

Speaker A: I love it. That's business advice.

Speaker B: Um, stay more liquid than you think.

Speaker A: You'll win.

Speaker B: You'll win. You have no idea. The opportunities are gonna come to you when you have liquidity during down times. It's a gift. It's gonna reign you opportunities.

Speaker A: Stay liquid. Love that.

Speaker B: Even when people tell you not to. When everyone gives you the strategies to leverage, keep some liquidity.

Speaker A: Yeah, well said. Uh, happy hustle hack for your health. Something uniquely JP that you do.

Speaker B: Um, for me at this point, I think it's regular workouts of uh, things that are fun to me. Back to play wealth. It's, it is lifting weights, but it's a lot of pickleball and Padel and surfing. I'm almost doing more cardio these days. Like I, I'll lift heavy stuff twice a week, maybe, maybe three times. I'm uh, less and less about the heavy stuff and more about like, for me at this point, it's like, it's like I want to be an endurance athlete for life. And that's my vision. And that comes from when I'm hitting the pickleball. Hard, but also some hard cardio. But having so much fun because I know that affects my health.

Speaker A: Heck yeah. Love that. Happy hustle hack for your money. I know we covered a bunch, but one thing you know that you can share with people, that's maybe uniquely J.P.

Speaker B: uh, I liked your thing about no credit card debt. I always put my credit cards off. If you're really that tight of a spot, try anything else except credit cards because it really becomes, uh, a death spiral quickly at the high interest rates they charge and unless it's like life or death. Ask a friend. A lot of times we don't ask friends to borrow money because of shame. I promise all of us, we have people who love us in our life. I will lend money to take friends. Sometimes I expect to be paid back, sometimes I don't. And it's a wonderful gift to be able to do that. And I'd much rather help somebody than have them get into 17, 18, 24% credit card debt. Don't be so shameful. Yeah, make them proud, uh, by breaking the cycle of shame, by, by using that money to break the cycle. And you've done what we say in Judaism as a mitzvah, you've done a blessing.

Speaker A: Yeah. Love it. Happy hustle Hack for your spirituality, something you do to connect to a higher power.

Speaker B: Um, I think out of everything these days, breath work, I mean I can now do I have these 10 minute breath works that send me a very Joe Dispenza style, but I can get into altered states in about 15 minutes through breath. And I'd say in the morning, if you're struggling to wake up or if you don't know what to do first, your brain will tell you not to do it. Every time. Every morning, including this morning, my brain had 10 reasons why to I should answer my phone and not do breathwork. Try a 10 minute breath work. There's, there's so many different ones, whether it's Wim Hof or what have you. And watch how it changes your spiritual hack.

Speaker A: Ah, love uh, that man. Um, best business advice.

Speaker B: Best um, business advice is too many people are seduced by the word entrepreneur and get over it and get over yourself and honestly assess if you really want to be an independent business leader or something else. Too many of us are striving to be something that they're not and it will cause a lot of pain and suffering for you. An honest assessment of uh, where you belong and an honest assessment of uh, being what true wealth means to you. And I can tell you this guys, you ready? You ready for the simple hack? What wealth is for most people is less than you think. I promise you. I've looked at so many people's portfolio once you know you're going to figure it out that it's less than you think to create wealth and feel wealth in your life. Uh, so don't overshoot this glamorous hoard entrepreneur or seven steps to $10 million and really figure out what wealth means to you. Love.

Speaker A: Mhm. That Three things you're most grateful for today.

Speaker B: I am really grateful for my health. I've got zero pain in my body and I've got a ton of energy. I call that number two. Um, I am grateful for my marriage of 22 years and how much I love my wife and how much she loves me.

Speaker A: M. That's beautiful, man. And then if you had a billboard for the world to see with your last piece of content on there. What's that? Billboard ready?

Speaker B: Um, it would read. Can it be a sentence or a word?

Speaker A: It could be whatever you want.

Speaker B: Okay. It would. It would be something around. Just remember, while we're all special as humans, none of us are better than each other. We're special, but not better. And if we can actually realize that, then we can all be brothers and sisters and stop the silliness of arguing and fighting.

Speaker A: Yeah. Boom. Mike, drop on that one. Love that, J.P. and listen, man, I just want to take a moment to acknowledge you, brother, for sharing your love, your light, your wisdom, your fulfilling their framework. And what's your perspective on true alignment and strategy and marrying the two with money? You know, money sometimes gets a m. Bad rap, but it doesn't have to, you know, when you use it as a tool, like you said, and you let it flow. Uh, I just really appreciate you sharing all those gifts with us today, man. So thank you so much.

Speaker B: Yeah. And the last thing here, Jack, for anyone in your audience. I spent a lot of years struggling to find fulfillment, even when I was making money. And I just want to say to all the people out there, if you're feeling like you're making the money and you're just not feeling it, you're not quite feeling what you expected to feel. Uh, really just know that you deserve joy. Everybody deserves joy on this planet. Every human deserves joy and fulfillment. It's a high class problem to have, but it's still a problem. And I really want to encourage everyone on their journey and path to don't give up. Because fulfillment is your birthright. Joy is your birthright.

Speaker A: Love that way to bring it all home. Final question, I ask all my guests, jp and before I do, I just want to remind everyone, check out fulfillionaire.com where do people follow you the most? Like where. Where do you like to be on social media?

Speaker B: A lot of people like to YouTube. They like to watch because I do, I do these live audience podcasts. So a lot of people are on my YouTube channel.

Speaker A: Cool. What's it called? Just so we can link it up.

Speaker B: Uh, it's uh, fulfilling air. And my podcast is actually the fulfilling error show. I don't know why it's not, but it's the fulfilling our show. If you just want to keep me in your ears.

Speaker A: Yeah, yeah, we'll definitely link that up. Awesome, man. Well, this has been a true joy. Speaking of joy, to, uh, rock the mic with you, final question I ask all my guests is what does happy hustling mean to you?

Speaker B: Happy hustling means to you when you truly feel joy and aliveness and maybe even a little outrageous as a little pep in your step because you're no longer transactional in your life. You're living from this place of unconditional love and that little spark. You can't. You can't help, you can't hide anymore. You can't contain it. It's in your. It's in your walk, it's in your speech. It's in your energy.

Speaker A: Mic, drop another one. There we go. J.P. newman, y'. All. Thank you guys for watching and listening. We are out. Peace and love, everybody. Thanks so much for listening to this episode of the Happy Hustle podcast. I, uh, truly am so grateful that you took the time out of your busy day to spend time with me. Now, if you got any value from this episode or any episodes in the past, it would mean the world to me if you could please leave a five star review and share this episode with your friends so we can continue to spread this message. Guys, as always, it's been a blast. Now, uh, go out there and happy hustle for your dream reality sa.