EP 182 Real EsFaith w/ Josh Louka

What's up guys people I'm your host J. Will this is inspire guys people where we balance faith and business to guide you to your purpose We got a great show today. I got a guest coming in Josh Luca Josh is someone I actually just came across on Instagram a businessman a real estate investor a Christian entrepreneur I believe he has some really unique things to say as it relates to a balance and faith in business and talking about business from a Golly perspective and that's what we try to do on this show is so important as we all out here chasing our dreams and super ambitious To figure out what that really means as it relates to please and God we're gonna talk a little bit about real estate You know I'm saying today's show is actually called real estate You know What can I say? I know I got bar so really fake that was off the top of the head too So what else can I say look it's been a great week I was traveling last week.

I'll be traveling again traveling again coming up soon been a busy year I'm excited to get into these interviews shout out to everybody that's been listening to the show whether it be Apple podcast or YouTube or Facebook or however you rocking with us we appreciate you but enough about that We about to talk to Josh. So y'all know what it is. We come back from this this ain't a commercial break Y'all know I'm excited about the new intro. So if you listen to Apple podcast This is a reason to at least check out the video YouTube Facebook, whatever, you know I'm saying I put a lot of effort into editing this I edited myself so I'm saying what you gonna do what you said Yo, yo guys people we are back with Josh look at what's up Josh.

How you feeling today, bro? What's up, brother? I'm doing good man. I'm loving that video.

That's a that's hard. Thanks. Thanks man. Appreciate it Yeah, so ladies and gentlemen, we got let me get a proper introduction, you know, I'm saying Josh Luka is what we got a Christ follower a real estate investor Christian entrepreneur and Josh I was you know lurking on your Instagram page man at Josh Luka and I saw that it's a over 1 billion in mortgage funded That's right.

Yeah, that's pretty dope. We definitely got to talk about that and under four years also. Oh Under four okay, so we don't we don't have to we definitely got a dig into that little Josh I appreciate you jumping in what I'm excited to talk to you about is like I was telling you off airman This show is all about balancing faith in business And I feel like we live in a world where there's like this definitely this urge and this desire for success like we see it everywhere I tend to value people like yourself who seem to have a godly outlook on that So can you just talk like let's jumping right there? Just like how you view the world today and like how do you balance faith in business and success and other type of things?

Yeah, great question man, and so I grew up in a Christian family, so I always knew about God, but I didn't always know God and I was chasing money pretty much chasing money my entire life And I was making money, you know, so I had a job. I was selling time share and that was that was probably like my mid 20s early to mid 20s. I bounced back from doing real estate to selling time share and I was in a position where I was making good money I was making six figures a year but because of the the requirements in time share of how to sell some of the sales tactics I just felt like I couldn't have a relationship with God and sell time share at the same time So I had I was forced to make a decision and do I continue pursuing my dream of making money or do I surrender? You know this part of my life this desire to God.

I Decided to get out of the time share industry. I prayed God led me to the mortgage industry and Within a couple years. I made my annual salary in a month So figures in a month because you say do is make a six figure so we talking about six figures in one month Yeah, man. It was crazy I went from I had a little dream board of vision board and on that vision board was 100k in a year and never in my wildest dreams Did I ever imagine God would get you know, allow me the opportunity to make that in a single month?

But it was it was a true testament to just his provision, you know, I mean it was 100% his provision his hand was all over it Are you are you one of those people because you talk about the vision board? Yeah, are you one of those people that that find value in that like do you feel like the fact that you actually put that on the board? That you want to make you know six figures in a year? Did that somehow impact like like do you think that's worth doing for people like there?

And what are your thoughts on vision boards in particular? Yeah, good question. I don't I honestly don't think that that's the reason that I got to that point because I wrote it down on a vision board I feel like it adds to the story because it's cool that I wrote that down and you know, I ended up, you know, God, you know, blew that up but You know, I think it's important to know what your goals are to know what like the direction that you want to head in I think it's important to be very very specific with your goal down to the you know down to the molecular level I think the more you can visualize it the more that you can Kind of like reverse engineer it that the better chance that you are of getting there But I don't know whether it's on a board or in a notebook I don't think it really makes too much of a So basically like the value though is like I like that the value isn't seeing it first So there is value like whether you write it down whether you know, whatever you do however you do it Yeah, you want to see it first So I got this thing I'm always telling people and I shot up to everybody in the comments first of all Michelle I see you what's up looking for some real estate tips. What's up pops?

What up? What up? We out here Johnny way? How you doing man?

Thank you all for tuning in we were Josh Luca right now talking about really just balancing faith in business But in particular I'm a little bit about really stating reaching goals And so Josh what I was gonna say is like I have this thing where I tell people think of the person You want to be in five years. Yep, like really sit and think about that envision it Like how you dress how you talk like everything and then spend the next five years trying to do that like trying to become that person So I like the idea what you said about like envisioning first there was something I think you posted this on Facebook like yesterday This was so cold to me you reference this something that came from church inspired by the word of church You talk about belief versus faith. Yeah, can you kick it with us a little bit about beliefs believe versus faith and what that means to you? Yeah So belief versus faith I think belief is a isn't when it comes to believing something I think I can believe something in my mind and not believe it in my heart I think the biggest difference between belief and faith is a belief is a mental acceptance and faith is when it moves from your head to your heart You know, so I can believe I can believe that God exists just like in that post I said I can believe that an airplane exists and can fly but faith is actually putting trust in that mechanism So it's the same with God I can believe in God, but until I'm in the plane until I'm in Christ You know, I'm putting action to that to that belief.

That's when it becomes faith. All right, okay I'll go ahead. Sorry. I mean control.

No, I just have faith is stepping out faith is stepping up All right, so let's let's bring that back to we talk about this idea of like you had this You know, you had dreamed it had on your vision board to make a hundred thousand dollars in a year Yeah, you find yourself in a situation where you made a hundred thousand dollars in a month Yeah, can you talk to us about like where when you got into real estate? Where was that applied that belief versus faith because it's like to me you have to believe it to put it on a vision board That's like okay I believe that I can do this or whatever it may be but faith is like the work that you like the actionable steps You put in to actually get there So can you just break it down to people like talk a little bit about how does somebody go from having that on their vision board Saying in a year in a month and I'm just really trying to make it practical for people I'm here to listen. Yeah, I think for me the biggest thing when it came to believe was if This person I saw other people doing it and I'm like if this person can do it and that person can do it Why can't I do it? You know like so that's when the belief part came in okay It's possible for me to actually do this and then comes the faith part and the faith part is not just one step in my opinion The faith part is a continual action because I have faith But I tried a lot of different ways to get there and failed for about 10 years You know what I mean and try this didn't work tried that didn't work tried that didn't work So the faith comes in where it's like okay, even though I tried and I failed and I tried and I failed I'm not gonna give up.

I'm gonna continue moving forward I'm gonna continue having faith and taking action because I believe that I can accomplish this So what do you think the value in the failure is because you just say like you've failed a bunch of times And I think a lot of people like if we just being real like people struggle because Like when you're in the failure is different. Let's be real It's different once you find success and you're talking about like the failures you've gone through But like can you talk to me from the perspective of like the Josh that was in the failure? What was that like when you were actually experiencing it and how do you overcome that? Man, it's not too hard to think back on it because I'm in a similar situation right now to where I'm starting over and I'm You know putting myself in a new place and it's it's scary, you know, it's it's scary It's like it's really easy to let fear overtake you but I Think there's so much value in failure and failure so underrated and like, you know under talked about But I had when I stepped into the mortgage industry about four or five years ago I had the same opportunity that some recent college graduates had we started off in the same position But I excelled because I had ten years of failure behind my back And they didn't have any failure yet, you know, they were fresh so all every single time I tried something I failed I grew I grew I got experience and I grew and I learned and that gave me the edge that I needed You know got used all that failure and when I was in a position, you know when I had that opportunity All of that experience everything that I all the ways that I grew everything that I learned was a resource Was an asset for me as I stepped into that, you know that new playing ground and in the mortgage industry and allowed me to excel where others couldn't But in the moment it wasn't fun.

It was scary It was like there was a lot of times where I felt like man Is this ever gonna happen, you know, I mean like is this ever gonna come to pass like it wasn't always like, you know My mind is there I'm set I'm confident and where I'm going and I have the direction I have the focus on the confidence It was a lot of like man, this is scary like am I you know, did I am I just wasting my time here? Like what am I doing, you know? Yeah, no, I've had a lot of those moments myself man And hopefully people can understand like faith is really part of the journey Yeah, I think sometimes that I mean fear is part of the journey faith is as well, but like Failure I mean but when you're fear will stop you from you know, even wanting to engage failure So it's like, you know, you talked about like I know that you're kind of it seems like you on a new journey with like sharing these Experiences, I don't know how long you've been sharing but when I was looking up It seems like that's fairly new for you and like kind of open it up, you know, like can you talk about that? Like are you do you have any fear about that right now?

Like you kind of you starting to share these experiences? I'm sure it is like you given it's like how much do I tell how much do I kind of keep like just talk a little bit about that journey of like Starting to share your journey and like what actually urged or pushed you to do that man. I'm so glad that you asked that um I was um, I had it had it in my mind and had a desire to do something like this for a few years Um, and I was just really scared, you know, I mean I was nervous Um, I was nervous about people's reactions. I was nervous about you know, there's there's always that voice in my head That's like who are you think you are?

You know, why do you think you're qualified enough to talk about this or who's gonna listen to you? You know, and and honestly, um, I still have some of those thoughts, you know, I had posted my first video and I had a lot of really good feedback I had a lot of good feedback from my from my my followers from my friends and my family Um, and then I posted the second video and it was like it was almost like oh, this guy again, you know, I mean The third video and I was like, oh, this guy's it's like it's like less and less reaction so but you know, so it's it's hard being vulnerable It's hard putting yourself out there. Um, but ultimately the reason that the thing that's keeping me going it's going to keep me going is I believe that Um, I believe that God called me to do this. I believe that God called me to to share to encourage I think there's so many secular influences out there Um, and the world, you know, our culture in our world is is Saturated with secular influence and I think there needs to be more guys like yourself and like me who are sharing who are encouraging who are inspiring Um, you know from a biblical place and from from a Christian place, you know, so that's what's that's what's helping me push through this This awkward beginning stage, you know, that's funny, man You kind of like I wanted to ask you like how you view the world today, but you kind of said it like in the world today You have all this secular influence and I think those that's a great way to put it secular influence because it's the influence part That's super important and it's like as believers in my opinion I'm always looking for things that I connect to like earlier We talked about the vision board or envisioning your success before you get there Yeah, one thing that I believe in is like surrounding myself in an environment Whether that's like what I'm watching what I'm listening to who I'm who I'm talking to like I love to immerse myself into the environment of what I want to become Like every level I've gone to like even now it's like it never stops like there's a level that I'm there's a next like part of growth that I'm trying to get to Um, every aspect of my life and so I'm surrounding myself.

That's what gravitated me to you It was like, okay, like he on what I'm gonna like I want to talk to him, you know, um And I like when I view the world today, I think as believers We are starting to like listen to the influence of the world and that's where I agree like we need more people like yourself Um who are sharing these stories from a godly perspective. So I appreciate you sharing that Um Josh what like to go back a little bit. Why really say for you like real estate is one of those things that a lot of people kind of throw out there In a cliche fashion. I'm like yeah jumping to real estate and you know, I've invested in a real estate myself as well I'm curious for you You know, what led you specifically to real estate and like I know you had that early success Um a couple years in but like was it a you know, what was your like Um obstacles as you engage in real estate because what I find in real estate is like there's a lot of learning that needs to take place in real estate I've definitely had some failures in real estate So I'm just curious what led you there and what that process was like, um, you know, when you first got into it.

Yeah, so Um, I started I got my real estate real estate agent license in my early 20s and you know, I like sales I like the idea of not having a ceiling, you know, as you know, as an employee as making a salary You're always kind of capped at how much you make so I like the idea of you know, I can My effort is rewarded by my paycheck or my paycheck is reflected by my effort Um, so that's what attracted me to real estate and the second thing was you know real estate's like the biggest commission You can earn because it's probably the biggest thing that you're gonna sell So if I'm gonna do sales, I'm gonna go I want to you know, I want to pursue that the biggest thing I can sell and the biggest commission check that I can make and um So I I didn't really I didn't do well as a real estate agent. I excelled as a when I got into the mortgage industry That's when I really got, you know, really did well, but um all along the way I was I I read a lot, you know So I from the first mentor that I had at in my early 20s He got me on reading and I and I just started reading and I realized that um most people The majority of the wealthiest people in america made their money by investing in real estate Not by being real estate agents, but by investing in real estate So when I you know, I was just waiting for my opportunity and when I had my opportunity I started to invest in real estate and um, I specifically got into to Airbnb short-term rental So um, I started investing into and turning my my properties into Airbnb rentals and looking for specific areas that that did that well So um, you know, I maximize my cash flow that way versus versus short-term rental But some of the obstacles, um, I would say, you know, um, some of the obstacles in starting Is that we asking kind of like starting the my best? Just like yeah, you're learning so it's like for instance Like you talk about going from being an agent to getting a mortgage bank into investing Just in general like because I'll give you an example to ask the question Yeah, when I when I first, you know, you go with real estate, it typically it sounds so good Yeah, and I believe it is good But I think people have to try to make that connection between like anything can sound good But it's like what level of effort and work are you willing to put into it reading and studying and everything right? Back in 2017 I was I had just sold a property based on money And I'm like, okay now I'm ready to like invest right in Um, and even though selling the property was a form of investing This was like more so like getting into condos and things like that So I went to um, there's a suburb in in the Detroit area.

Um, that's pretty nice right outside the city I'm like, okay, found this found this condo. Everything is going good. I still have all the paperwork We got to the closing Josh. I'm thinking I'm good I got the money like everything is good Yeah, we get to the closing and because this building was there was something with like There was basically too many renters versus owners in the buildings.

So they ended up at the closing table One like four or five thousand. I don't know the number don't let me lie But they wanted a few more thousand dollars and basically I was already Going kind of all in with that property at the top of my budget Yeah, so I had to like I had to eat up the I had to eat up the closing costs Um, the um, not the closing costs, but the inspection inspection and all of those variable costs And I made this decision to still pay my real estate agent a commission And we walked away and obviously it wasn't the full commission that she would have gotten, you know, had we sold a property but Right. We she had done so much work. I just didn't feel right walking away from that.

So I I pay her That was a loss inspection was a loss. We don't get the property Right now. I was looking. This is what five years later that property, um has tripled in value So again for me that was a good rich and rich and learning experience of like, all right, dang like I'm thinking you at the closing table and thinking you got a property Not getting it losing the money, but then since the end like with that real estate agent We've done a couple more deals and that like so like for me, it's like all part of the process So that's like I'm asking I guess I gave an example to ask the question for you.

Like do you have any examples like that of like Yeah, where you got involved in something in the deal feel through or you just had a learning experience to help you later. Yeah, so Um, not personally when it came to me buying real estate. Um, you know, first of all, I want to commend you because that's that's as believers Like that's leading with you know, leading with faith, right? You paid her that commission Even though you guys didn't close on the property like that's I feel like that's something that Jesus would do You know what I mean and showing love in that way.

So and as you said it paid off right because that that solidified your relationship with the agent and you guys did more deals together So, um, that's awesome and I love that you did that. I love that you did that So, um, I think uh when I got into purchasing the first property I purchased it was it was uh, it was kind of crazy The property was already an escrow and um, I went and saw the property the agents said hey, you know There's already an offer on this but if you want you can go into second position So I just remember being at the house and praying and asking god I said god if you want me to have this property Make it clear. Let me know a few days later. I get a call from the agent and uh, she said hey the fed that offer is off the table They backed out are you still interested?

Yeah, I so let's do it. Um, and honestly every single opportunity that I've gotten since then had has kind of been like that Um, it's been like I'm praying like hey god. I have some money saved up. Um, I want to you know, I want to buy another property You know, lead the way, you know, I mean open a door and It's it's just kind of been it's kind of been that trend where the opportunity comes up Um, I remember one guy wanted to sell one of his properties.

It was close to that property that I have a few properties in Tennessee Um in Knoxville. So he told me he wants to sell his property. This is when the market was good rates were like two and a half three percent Um, I said, hey, you know what? I'll give you 20 grand above, you know appraised value because that's you know, it was hard to find good properties back then Um, he said cool.

I'll sell you the house. Let me just find a replacement So I waited a few months hit the guy up. He's like oh, I still haven't found anything yet. I'll let you know Wait a few more months.

He still didn't hit me up. So I'm like, okay. He probably decided to keep it Um few more months go by and he's like hey, I haven't found another property But I'm ready to sell are you, you know, are you're still interested I said look I still want the house but I unfortunately I'm not gonna be able to pay you $20,000 above just because the rates doubled since we last spoke Right, he said, you know what? Give me give me x amount for it and we'll call it a deal I made the offer he accepted it the appraised value came in a little bit higher than that and it was like smooth You know what I mean?

And every time like every time I bought a property, it's kind of in like that now once I have the property, it's a different it's a different story You know, there's a lot of stuff that goes wrong with having property and this is stuff that I you know You probably know how it is you don't know it until you're actually a you know property on you're like, you know Just old houses they can repairs, you know what I mean? But I'm happy you said that though because like this is something that I believe in and part of the reason we don't we don't get off real estate in a second But I know like there's a lot of value in like your experience here And I know like again in real estate is something that a lot of people are gravitating to and rightfully so Yeah, but I think you you touch on something super important to me And that's the fact that People tend to think that when you obtain success or let's say like you're praying for something right like people pray for a job And it's funny to me, right? We pray for jobs get them and then like hate our jobs or quit them or whatever it is But it seemed like we forget like what this is what you pray for Sometimes I think we're praying for perfection And it's like that's not what God is providing us He's providing us experience in life and learning and so you talk to you touch on something super important And that's the fact that like once I have the property These go wrong like even though you're successful Even though you might make money and I like people forget that you still need God and you're still don't have ups and downs in this life And I just I'm unhappy you said that because I think that's one of the things that's getting lost today You know like everybody's talking about success Like it's this destination that you just get to and chill and have no purpose in life And it's like no, there's so much more to it and God is still even in your success God is still working, you know working through you and so I'm glad you touched on that Absolutely, man. It's uh, it's You know, it's a process and God's like, you know I love I love John Bevere.

He's an author Have you heard of John Bevere? I haven't I haven't Oh, man, so he writes this book called God, where are you and he talks about the season of the wilderness And you know we find ourselves in see wilderness seasons from time to time Um, but what he talks about is like he talks about the refining process, you know So gold or precious metal it doesn't you can't refine an 18-carat or you know gold ring Unless you put it in extremely hot fire and it melts and once it melts all the imperfections All the other materials and chemicals come to the surface so you can take them off You know and I think you're absolutely right and I'm experiencing that in this season of my life as well It's where like we're expecting God to just make it a smooth Easy process and he never promised that you know what I mean? He said when you go through trials consider up your joy, you know when when not if you know, so we are going to we should expect For life to be difficult and I was telling one of my one of my buddies this last week I said I think the uh, I think the reason why it's harder than it should be is because You got the license from off there. You got the license from off there.

You got the license from off there. I think it's harder than it should be because we have this unrealistic expectation from life that life is supposed to be easy So when we have that expectation from life to be easy and it's hard There's there's incongruency in our in our mind in our heart like it shouldn't be like this, you know what I mean? But if we expect life to be challenging and hard we're mentally preparing ourselves for that difficulty And it's like, okay, I knew life was gonna be hard. It's hard.

You know, let's get to work, you know what I mean? Yeah, and I like it, you know, unrealistic expectations That's something I talk about a lot with my friends like and it makes me think of like if you're somewhere in this a hurricane warning But you prepare like it's just sprinkling outside It's like a bro. Like it's literally a hurricane warning if you walk outside and think that a raincoat and an umbrella is going to be enough to Particularly a home from a hurricane those unrealistic expectations can get you hurt And I think that's what happens a lot of times like you said with people is that they are expecting something It's not realistic and then when it when reality happens, they're like looking around like god, what's up? Like why me?

It's like, oh, why everybody? You know what I mean? Like we all we all going through that So that made me think about One of the first videos I saw from you that you did on instagram. Yeah, um, you talked about joseph Yeah, and look that's my like absolute favorite, you know story in the bible You talk you talk about character versus comfort Yeah, I don't know I don't know if you can you know off the top of your head not to put you on the spot But like if you could just share a little bit like yeah of what that means to you in that story of joseph Um, you know share with people that character versus comfort that just really connected with me And I think it's some value and I think there's a hundred things we could say about the story of joseph So, um, this is just one more for me.

Yeah, um That's I mean that that specific line that that quote was something that one of my youth pastors from like I was like 19 or 20 told me he said God is more concerned with your your your your salvation than he is with your comfort He would rather you be uncomfortable while you're here on earth but get you to heaven You know what I mean? So unfortunately for humans we We don't seek god when things are good. It's when we get to a place of rock bottom that we're like looking for you That lifeline. So, um, I think god and his infinite wisdom is more concerned with A.R.

Salvation and b.R character because our character isn't only developed for our time here on earth like god is going to use Us in an eternity, right? So there's gonna be like there's gonna be more more responsibility like like the story of the talents Right the guy who had five talents here on earth God is gonna multiply that and give him 10 talents and that's more responsibility that he's getting you know in heaven so um For me it was it was like and I can it's like so easy to forget it when you're in a good time And it's you know times come like all right now. It's a tough time right like the real estate mark I don't know if you've seen the rates market is crazy And it's so to be to be like, you know god, where are you in this season? But you know god gave joseph a dream and if god fulfilled that dream for joseph in that moment joseph was spoiled He was insensitive.

He was kind of a jerk right he's don't in his brother's faces Like hey, you guys are gonna bow down to me one day, you know, so like god got allowed him He was sold in the slavery, you know He got sold to potter for and then he served potter for well and then he got wrongfully accused and he went to present for so long And all this time he's remained faithful to god and god eventually Fulfills that dream and puts him in second in command of egypt and egypt at the time was the world power like with the most powerful nation in the world at Time so so joseph is second in command of the entire world, you know, but you know So god's god did fulfill his promise But he I don't think joseph would have been ready for that if he didn't go through everything that he went through You know, he saw he was humbled and he saw the value and and trusting god and you know Not being a jerk like he was before going to miles and that's big what you saying right there So like for a lot of us we want to hurry up and get you know, so so whatever we praying for Yeah, whatever we hoping for we want it like tomorrow like give me that right now Yeah, but the crazy thing about it as you just said is like everything that you go through humbles you it prepares you know You get more wisdom along the way and so a lot of times we are mad at god or losing faith because something is taking a long time But really what's happening is it's like no like there's some lessons So you skip it It's like skipping school some of us skipping school and skipping the lessons that god want us to get because it didn't happen In the time that we thought look I've prayed for things. I'm praying for things right now That have taken 15 years and haven't happened yet, right? And i'm gonna be honest with you the one thing that keeps me In faith is the bible because what you just said about joseph, right? There's like a at least a 15 a 20 year gap between the dream and the manifestation David was annoying it, you know at 15 years old didn't become the king until after 30 Moses never even saw the promise land like there are so many instances in the bible where people had to go through a process And I don't know how we miss that.

You know i'm saying like I really don't know how we miss that But that's what keeps me going. Um even now. So i'm happy you shared that absolutely. Yeah, um go ahead No, I was just saying that um Like every time it's like almost in every situation where where someone was was blast or someone god gave someone A huge responsibility like all the people that you mentioned There's always a season of the wilderness that they went through right?

So for for for Moses it was 40 years in the wilderness before you know he got to egypt You know and then like you said he didn't even enter the promise land Abraham was he was promised the child and he was almost 100 years old before he got that child You know what i mean? And then when he got the child guys like i want you to sacrifice him You know and it's like i'm on exactly every single time Um someone does something great. It's always after a season of and then like like Israel went through the same thing right when they were delivered from from from egypt, right? So they went they were in the Oh, here's what i was gonna say like you were talking about like we're trying to skip levels And and that part was that that part hit me because it's like i always tell one of my boys like god It's not gonna let you go on to the next level until you learn this one You know like no just skip levels like you know god's not gonna like eat like Israel didn't learn the lesson They wanted they were supposed to be in the wilderness for a year But because they didn't learn the lesson they kept wondering for 40 years And you know they still didn't enter the promise land that whole generation died and it was their We don't we don't talk about that and like yeah like they and they were complainers Like if we just being real like that was a complaint in generation So that's again one of the other things that inspired me of like You know you might as well Keep going and keep having faith and learning what you learn because you just delay you either delaying it We're denying it so like by not going through the level you're either making it take longer Right or like the children is real is like guys are you even gonna see it Like you don't even get to go to the next level and i it's like for me man I'm like i don't want to be like that i look at rule and how she stayed with Naomi And you talked about mentors and like i think again that that influence we need that guyly influence in our lives and To be able to talk about these things not from like a dogmatic perspective or like not from a perspective of like Shunning success, right?

That's why I like people like you because it's like, you know You can deal with the nuance and the layers of having success But one like how do I make sure i'm pleasing god? Can't actually can you talk about a little bit josh? Yeah, and I like I don't know your complete background, right? So I don't know really where you come from and how different that is like where you are what I mean is like I don't know if where your level of success is it's like oh all my parents was this level of success It's like if you know people that's a doctor and a whole family of doctors like oh It's nothing if the whole family a doctor, but if you're the only doctor in your family That's a big deal, right?

But can you talk a little bit about like for your journey like? Did you was was success comfortable for you or were there any challenges in success and like how to be successful because i've learned in life like Somebody really teaches you what to do when you get there? Man, that's such you're asking some great questions, bro Honestly, um because for me growing up first of all my parents weren't successful. Um, they moved they immigrated to this country And we were doing okay.

We were getting by but we were barely getting by so um and I wasn't mentored on success. I didn't know that I wasn't talking anything about credit I wasn't talking anything about investing. I wasn't talking anything about anything like I wasn't even giving any direction like here's what you should do, you know um So for me and especially the type of christianity that I grew up in it was it was like very So my parents are from egypt so egypt being a muslim country The culture itself is influenced by islam so even the christians that come from egypt There's still islam islamic undertone to it when I mean by that is just very very legalistic You know so I grew up thinking that god didn't want me to be successful In order to be a christian you had to be humble and poor and god wanted you to be a missionary or a pastor and because that's those are the only christians that I saw Were poor christians. I had never I've never met a rich christian or a wealthy or successful christian before her Yeah Yeah, so it was really hard for me to Even get past That idea that I can be successful because you always hear like money is the root of all evil, right?

So we shouldn't want money, right? Like that's that's how I interpreted it as growing up was like you shouldn't want money But like now like from this perspective, I'm like man how much This is the interest this is an interesting part God didn't bless me until he knew that he could trust me with money If god bless me if god bless me before I probably would have destroyed myself before I fully surrendered my life to him Because I was I wasn't I wasn't the cycle I talked about it in one of the videos on the cycle of like I would party I would hit rock bottom. I'll go back to god. God would fix me.

I would go back to doing this It was over and over again And so if I was still living in that cycle and god had blessed me to the extent that he did I would have spent it on partying on girls on drugs. I would have destroyed myself completely So it wasn't until after I fully surrendered my life to god that he knew he could trust me with those finances That's when he blessed me with it because he's a good he's a good father You know what I mean? He wants us to have good things but not at the expense of our soul, right? And I think it was back to comfort versus character, right?

Yeah, look Josh I mean you said you said a couple of great things right there man like number one like that whole point about Poor christians like it is funny. This is what I love like you know, I'm going in a whole different direction here But like this is what I love about you know, I have this term that I use on this show and been using the last couple years being united by faith And I'm just taking this as an opportunity just to say like the reason that I'm so passionate about being united by faith is because And you don't have to comment on this on this is just me going left field for a second. So um I feel like the world wants us to divide it so much on these like superficial things like the enemy wants to use race to divide us Once they use politics to divide us and so many people are buying into it And what ends up happening is like we all come from these different communities around the world And like we think our experiences are the only experiences in the world And the reason I love the faith the christian faith and when you talk about what jesus did in the new testament under the new covenant It was like bringing all people from all nations even like, you know, jesus even said like to go with the great commission to go and make Um, you know more disciples amongst all nations And so this idea when I hear you talk about your experience like with you know parents Being immigrants from egypt and your experience with what I would look at as a version of maybe a Poverty in a sense, you know, like me being from the inner city of detroit I just I'm sorry. I'm going left But I just want to take a moment just for people to hear me like yeah That's why we can't be so limited on our thinking and we have to hear these different perspectives because even though i'm from the inner city of detroit Like and this happens sometimes like in america like we just think like we only ones like it's like no I'm it's like a whole different perspective and there's other people from other nations And we can come from all these nations and be believers and be united and hear each other stories and learn from each other and appreciate And so again, you don't have to comment on that but I just wanted to say like I appreciate you sharing that because Which you which you just share I never heard that before I don't know nobody else Who parents are immigrants from egypt and gave that perspective, but it was that important So this idea of never seeing christianity through the lens of success.

That was just that was an amazing point So thank you. Thank you for sharing it. I do want to say one thing when it comes to like this but the culture stuff And I think it's something that I learned in the journey of like I'm like considering who to marry right because from our culture it was like Our you know our parents want us to marry someone from the same culture I think it's very similar for a lot of like different ethnicities But I learned this later on like and I'm still and I'm not married or anything like that But my book shifted where it's like my culture as a believer is god's culture Like I'm no longer I'm no longer under the umbrella or the limitations or the exclusivity of the Egyptian or the Arabic culture Like like once I surrender my life to christ my My everything my culture my language my you know, I'm a christian. I'm into that culture So that takes precedent and takes priority over the cultural Importances right like and that's what Jesus came to do right when Jesus came like came as a man He came he broke the Jewish traditions, right?

And he showed how the Jewish traditions were limiting people and god didn't want to limit people So I think it's the same like now I think what would help like this this culture this you know, this race stuff and all these As if we if all believers united like you said in faith and understood like before on Egyptian before you're white before you're black before you're Asian you're a christian that takes precedent over anything else and we did with that Couldn't agree more man. I did a um ginsett gods culture. I appreciate everybody just coming and I see y'all much love Um, I did a episode With um kim cash tape. Um, she wrote a book some years ago.

Um called um, I think the book was called more christian african-american episode is entitled more christian and black but like we did that episode in a height of like I think it was 2021 so you can imagine what was going on in the world Yeah, I couldn't agree with you more man like that. We need to like we talk about god being our father It's like what did that mean? Like me and my brother got the same father we family like like we say we believers But then we we don't treat each other like family. We like we're we're segregated in our faith And I'm just a person that believes like at the same time There is nuance to like like so this is a big thing with me josh It's like I accept the nuance of life like you just talk about hey the reality is your parents your family might want you to marry within culture The reality is even if you decide to marry outside of your culture There may be some things that you have to work through to be comfortable with that Yeah, it doesn't just mean that like we turn a switch in life is just perfectly fun It means that we're willing to work through the details together to get the where god wants to sell Yeah, I think that's a really dope perspective.

All right, so so I want to um, there's this quote man This quote you gave this is this is your quote the person who loves to walk will walk a lot further than the person who loves the destination I don't know if that you were not but I got it off your facebook page. No, I stole that from someone I don't know who it is. I don't know who it is. I stole it.

Okay, you talk about what it means to you know Like I'm a person that loves quotes. I literally love quotes. I make up my own quotes all the time Um, but what does that mean to you the person who loves to walk will walk a lot further than the person who loves the destination? Yeah So I think the person who loves the destination is always looking forward to getting to that destination So they're not a they're not enjoying the process and be if the process takes longer than you know, then they're expecting You know, then they're they're not it's so in my life.

It was it was all about if I can go back 10 15 years I would tell myself like hey You're gonna get there just enjoy the process, you know, because it took me 10 to 12 years to get there Not saying I've arrived by any means but like to get to a place of stability Me being stressed out and anxious about it did not Did not make the process any shorter like it didn't save me any time being stressed out and anxious But it made it like I lost out on on enjoying those years Like I could have went through that process with with a lot more peace and you know, not as not being so uptight the whole time But um, yes, I think the person who loves to walk is a person who accepts that like it's a process and it's a journey Um, and you're only gonna be in this day in this place and this season once in your life With these people, you know, you don't know how long this is gonna last. Um, so enjoy it Um, and the destination is inevitable, you know, like if you work If you if you work at something long enough and if you walk in a direction long enough, it's inevitable for you to reach the other side or the destination, you know, so Long enough No, no, that's good stuff man. Um, what would you say josh to like that christian out here? Right?

We talked about the success you've had in real estate Um, and reaching some of your goals and even the fact that you're still on the process today Um, what would you say to a person out there that said step one? Like I'm always trying to figure out like how do I take these experiences that I have Yeah, and like wrap them up and package them so that that person that's at that first step Can't actually grab a hold of it and have something practical. So what are like what are some steps you would give a person? It's like all right.

I hear you josh. Yeah, but I'm at my vision board today I'm literally making my vision board today. What are some of the first things I should do to go out and make those those visions a reality? All right, so a few things right.

So first thing is Seek first the kingdom of god and all these things will be added to you because If you what is it gain a man to gain the whole world but lose his soul so seek God with all your heart Make him the Delight of your heart like delighting him, you know That's literally step one if you go out and try to do step two three and four before you do step that step It's you're gonna go against the current and like I did for a long time, you know, so If if you're a child of god god is not gonna allow you to experience success without him So don't even try it if you're not a child of god even if you do experience success It's not gonna be satisfying. It's not gonna satisfy your soul. You're still gonna want more and you're still gonna wonder why am I not happy? So step one seek god seek first the kingdom of heaven and everything she'll be added to you step two Get a mentor get a mentor get a coach I Was watching a documentary on the Lakers and they had kobe shack fisher uh fox ori And they couldn't win a championship until they got filled Jackson as the coach and filled Jackson had coached mj and the bulls To six titles so he already knew how to get to the destination that they wanted to go You know you got with all the talent and drive and motivation that the Lakers had they still couldn't win a title until they got filled So having a coach is like Please don't try to do it without a coach like you can save so much time so much heartache so much wasted effort and just Like read but get a mentor and read like there's so much value in books and your open your your eyes are open and you become aware There's so much more that then you can possibly know On your own or from your own experiences or from your own circle.

So Yeah, see god mentor and real out of books No, I love that god mentor read And I don't take any of that lightly because I love what you said about the fact that like look we need to keep god first Yeah, and that's that's what that's really what I liked about your content when I came across your videos and stuff was just like Yeah, the success is there and stuff. I'm gonna just be real I can turn it off when people are just all success Like it's a turn off to me. It's like, okay, I get it, you know, it's like any but man when you when you're talking about Godly success which that's a term that's a term that's mentioned in the book of Joshua Like godly success good success. I actually think it's a term Um, it's just something different about it because it's fulfilling in it and it's purposeful And it's it's not just about like oh, I want to get all this money So I can show off in front of people or whatever, you know, it might be freedom It might be opportunities different things like that.

So yeah god mentor read if you don't take nothing else from the day out there Not mentor read all right josh before I get you out of here. Yeah, I just want to ask you about the real estate market today Um now like again people out there the same financial advice or anything I just want to talk to somebody who's in the space. Yeah, like give me your thoughts like, you know, there's Obviously you have the high rates. Um, you have, you know, the prices I guess are starting to come down I haven't been looking as closely lately.

Actually, actually so um, so my house at the top It was like, I don't know god is like man. It was like all god like as a sidebar like it was just god When I say it was like the time it was just like yeah, like oh my like man It was like at the complete top just like something you can't even I don't know you can't make certain stuff up But yeah, what's your view on the market today and like How are you moving through it? What are your strategy or your plans changing which are Airbnb properties or you know? What are you doing different or how are you playing just this time?

That's actually that's a great question and the timing is great too because I was just having a conversation with my partner about that and um My business partner So it's I mean besides just the The real estate market the economy in general is just and a really what I mean the writing is on the wall if you haven't felt it yet You're gonna feel it soon like there's a recession and it's coming so what I'm doing is I'm being super conservative Like I am I'm looking for backup plans. So with my Airbnb properties. I'm looking at the potential of If it slows down, can I get a long-term tenant in there? Possibly leveraging some of the some of my equity You know, there's there's like there's helox and their second second mortgages that you could try to leverage some of your equity and what my My brother was telling me earlier.

My business partner was you know Don't wait until you're in the place where you need the money to get it because it won't be available then You know right now if you have an opportunity if you know if you think you're gonna need some money and you're gonna need some loans Get it now while it's available because when it really gets the fan it's not gonna be available So I'm cutting down on my expenses anything. That's unnecessary. I'm cutting it out. I'm trying to really downgrade my lifestyle and weather the storm.

That's all it's all you know, that's all we can ask for right now And this market is let's weather the storm, you know, we'll worry about getting rich and getting successful after the storm passes No, that's look the reason I love that advice man is in this sum I learned josh And I don't know how it is for you is like like look I come from the inner city of Detroit And I've worked in at a fortune 50 organization for 16 years now and kind of climb my way through the organization And by no means am I like I'm at the top of a fortune 50 organization trust me I'm not I've just traveled I've just climbed the corporate ladder from where I was and got to at least a decent place Um, one of the things I've learned the reason I brought that up was because I have this opportunity to live in two worlds Yeah, and there's a lot of value in it and in it's a lot sometimes it challenges me because on one on one world that I'm in There's all these successful people way more successful in me Make way more money than me like I learned a lot just from being in that environment of being like one of thousands of people at a major Organization that even though I might be doing okay, there's always somebody that's like, oh, this person is the you know, their title is crazy and their Sally is crazy, but then like at the same time I got a lot of family friends that are still from the environment where I grew up in And I get to hear how they think through it and my point with it is this one thing that I've learned Is that the successful people have a strategy? Based on the season that like they're successful people are very aware of what's happening now Yeah, and people who are have a poverty mind, right? Like I'm talking about your thinking because you can have money and still have a poverty mind Now people who have a poverty mind, they seem to lack awareness Like I promise you there are people right now that I know friends family, whatever They don't know anything about the recession. They doing the same stuff.

Yeah, 2019 2020 stimulus. No stimulus They're doing the same thing. So I don't know if you experienced that at all or if like your environment just represents kind of like one demographic or a type of people Um, but I think what you said is is really Um, good advice for people out there in my point with that long, you know, drawn out explanation is for the listeners have a plan and have a strategy and be aware Because I'm what you Josh like I'm just strategically moving through and like Preparing for yeah, like right now my plan is a is a is a two to three-year plan Yeah, it's like I'm not I'm not trying to move on making now. They're not about like You know something tomorrow is like like you say like no, it's about to be it's a rough ride We are in a recession or close to it however you want to define it some Going back to Joseph back right.

Yeah, you knew there's gonna be a famine and he prepared for it, right? Because you know, so he saved up for seven seven good years So that way we could be prepared for the seven years of famine So, you know, if you haven't already started preparing start now, you know, cut down on anything that's unnecessary That's that's what I'm doing like Get rid of it if you don't need to get rid of it. I feel it. Yeah, but Josh look man.

This is this was super dope man I definitely enjoyed talking to you. I try to get you on here again, man You know, any before we get out of here. Hey for anybody listening Josh's information is gonna be in the description of the show, but he's on instagram at josh luka if i'm correct, right? Actually, you know what?

I'm gonna be fancy. I'm gonna put it on a banner real quick. Just so nobody We got j-o-s-h-l-o-u-k-a correct. That's right There we go right there for the people who want to follow josh on instagram Josh, can you just tell us what else you have going on or what you're doing next with your videos And what can people expect when they follow you?

First first off, I want to say thanks to me for having me on the show really enjoyed talking to you You ask really good questions, and I love just what your whole brand is about, you know, and um so as far as what's coming out for me I'm just getting into the space and One of the things that I want to do in the future I don't know if it's soon or or you know down the line but do something like this like a podcast And when that time comes definitely have you won there because you know a story now Right, that's hilarious. Yeah, but uh, but yeah, I definitely want to have a podcast in the future But in the meantime, I just want to whatever god has put some my heart I want to put it out there and hopefully people can learn from the mistakes that I made Um, just you know the ways that I that I learned I have a couple videos coming out This week about mindset, um, you know about different things that I learned from uh nlp neural and wisdom programming and um some of my background from that I can share so hopefully you guys enjoy that and find it valuable and Once again, thanks for having me on the show brother. No, man. Look people y'all follow josh I'm following you now man.

Definitely worth the follow on instagram you need this type of inspiration and godly Um advice on your timeline josh in respect of your time and how long this interview was I'm gonna let you head out I'm gonna stay on and talk to the people and wrap up the show But I would definitely um, you know hit you up on the back end of this and thanks again for joining this man You have an amazing evening. Thank you. Thank you. Thank you.

Thank you. All right. See Guys people man, that was josh luka man. That was like look I really enjoyed um talking to him because when I came across him on instagram Again, just like you know Look as much as I'm like here to use my gift to inspire guys people the inspire needs inspiration too, right?

I need to keep my tank full and so he was someone I came across and I just loved the way he was talking Super successful you heard it if you listen to the beginning of the show Um, a bill a billion dollars in mortgage. Um, how is it a billion dollars in mortgage funded? Um in a couple years, so I think he said it was two years. Um, if you came on late, um, so super successful gentlemen still growing Look man.

I want to I want to kick it with y'all a little bit before I get out of here on this show Like there's a lot that I've been thinking about as it relates to where we ended and I was like being aware of the time and season that you're in And again, I'm not here to give you financial advice or anything like that But I'm telling you man like you gotta know where you at. I'll give you this example If I was going to open up a surf shop, I've said this on a podcast in the past, but you don't listen so you never heard it If you were going to open up a surf shop, right? And I just called you and said like no, let's say I'm opening up a surf shop my bad and I call you and I'm like yo Is a surf shop a good idea? And you like yeah, a surf shop is a great business idea.

Let me get some water real quick A surf shop is a great business idea But then I tell you I live in Alaska It's like yo, like something could be a good idea in the wrong place. You feel what I'm saying? Now let's also talk about the importance of understanding the time that you live in You get what I'm saying like so it's like you got to understand the place the time the situation So let me give you a little synopsis the place and time and situation right now Right now the economy is like it is like ready to just explode like there have already been crazy Things happening from the macroeconomic perspective. You see the interest rates rising the feds have continued to do that Maybe they'll start pivoting here soon.

I don't know But the key word is uncertainty and what's my point with that? Now wait the time for you to go get the goochy bat Now wait the time for you to go spend all your money on the balenciaga Sockshues now is not the time. I know it christmas is coming up And I know how we like to do those of us who come from poverty We find our value in giving people gifts Now, I'm not saying gifts can't be your what they call it a love language I hate that term but we don't use it today Gifts can be your love language genuinely speaking But I know this about broke people you feel me? Tell you like and thank you for everybody I was coming and I didn't want to interrupt this interview to be um You know responding to y'all but y'all know how I do it Like broke people love to show how much we love you by giving you something And then we get mad if somebody don't buy you something And it's like well, you know, my family people know like and they probably hate me for it But it's like I'll send out a message in a minute like yo, I'm not about to I can't do it I come from a big family a large family like I can't buy you and all your kids are gifting All of this and instill invest like I'm trying to invest because my plan strategically right now is in motion, baby It's in motion So you got to know and be aware of the time.

So what am I saying? Maybe this Christmas ain't the Christmas to go all out for little man Man to get them, you know the playstation 5 with with his 1.7 gpa, you know, nothing against little man Man's but you know, maybe this ain't the year to get the helicopter for the prom I'm seeing the prom pictures that I see from my people are actually embarrassing like your kids are going to prom And they look richer than you Wait a minute. How did you get a helicopter in the backyard? And we ain't even got not let me not let me not do it.

Y'all. I don't want to do it. It's been a great day My point with this is like when are we gonna be realistic? Josh talked about those realistic expectations.

When are you gonna be realistic and be like, oh, I'm broke right now I'm not getting you know helicopter for prom. No, you driving you driving a fort fusion a prom and you better love it You feel what I'm saying? Tell you don't get me. Don't get me up.

Y'all know I get crazy But I'm really trying to help y'all because I'm gonna tell you what I'm tired of I'm tired of my people being ruled by poverty And I'm talking about just the people around me the people in my city my family my friends like people that I know who are controlled and literally slaves to poverty And none of us want to just be listen. Hey, are we tired of it? You ain't tired of it yet How many Christmases let's really um, I didn't mean to go in on Christmas. Excuse me.

I didn't mean to do it How many Christmases have you spent all your money on your kids? Then two months later, they don't even play with use or nothing. What just happened? Let's get rid of the useless gifts now.

No, what am I saying? Like I ain't saying don't buy nothing If you could I'm saying be aware of the situation you're in and be okay with telling people no What are the hardest things to do is tell people no Because you might understand why you're saying no, but you want them to understand I'm gonna tell you something that the Lord has been delivering me from the Lord has been delivering me from other people's perception You feel me? Like you might have a perception of me And it's like I don't Like it's not that I want you to have a negative perception It's not that I want to come off a certain type of way But I can't spend too much time caring though. You feel me?

I can't spend all my time caring About what you think about the decision I'm making if the decision I'm making is rooting in wisdom And so I just want you to understand that when you're aware of the time and the season and the situation you're in You might have to move differently and guess what else I believe I believe that there are people that won't understand me today. They won't agree with me today They won't like me today, but in three years They may think I'm a genius or maybe I'm just crazy But I'm willing to go through that process and that's what we have to be willing to do We have to be willing to be focused and disciplined when God is leading us on the path And not allow outside factors to distract us or pull us away from it And sometimes those outside factors are holidays and birthdays and all those things And it's like, okay Maybe I got to skip getting you something for Christmas for three years to get you the best Christmas gift ever in 2025 You ever thought about that? Like you have to allow yourself the opportunity to get in a good position and I'm gonna tell you this I'm gonna tell you this. Thanks, jean.

You say good for me Miss bridge it. Hey, how you doing? I love you too I'm gonna tell you like the thing about poverty. I was thinking this week.

Why is poverty such a cycle? It's a cycle because nobody ever stops it. What do I mean? I want to be real specific with you So let's say you grew up and y'all grew up poor Let's say your mother was poor your grandmother was poor But then you At let's call it 15 or 16 you drop out of school just like your grandma did or your mom It is or you you know, don't go don't get a skill set just like your grandma No disrespect to your grandmother.

That's not what we going here The point I'm making is the reason poverty is a cycle is because we keep just redoing it like it works Like you realize people act like poverty works It don't work. Spend it all your money on Christmas. I've seen people do it, but at least 20 years I've seen people spend all day money on Christmas. I've never seen it work ever No, I've never Seen it work.

I'm just make a song got everything. No, I've never I've never seen it work It doesn't work, but we keep doing it like it worked You feel what I'm saying? And so I'm challenging you out there listening today to be a leader this holiday season And to be willing if you need to to hold that to give yourself the freedom to say no To give yourself the opportunity you feel me, Jim Making a song got everything to say no and then to plan and strategize So now I want to talk a little bit about that planning and strategizing and what that specifically looks like You might say well, usually let's say if you have a thousand dollars right now Let's just go off of that you sitting on a thousand dollars right now You say I sound like I was in white Christmas Well, I don't know that is it a black Christmas, Jim? I'm joking Never I'm about to go watch a hallmark movie after this because that's what I sound like that's basically what you saying I sound like I'm in a hallmark If you got a thousand dollars right now and you're like, what do I do?

So let's play these scenarios. Let's play out two scenarios You got a thousand dollars and you spend it all this Christmas buying people gifts now, let's say Only $200 worth of the gifts was really worth it meaning people actually used it Pay play with the toy where to shirt where but you go spend a thousand dollars and then you're gonna find yourself in January saying Hey, I got a new year resolution and I need to save x amount of dollars Well, it's like what you just wasted a thousand dollars, right? Now, let's say you take a different approach and you say all right. I got a thousand I'm taking 500 right now and I'm putting that in a bank and a lot of banks now Especially like online banks different banks are giving paying a higher interest rate or you're putting it in a certificate of deposit Whatever it is you put the 500 up and then you say for The next 12 months.

I'm also saving 200 dollars a month. No matter what, right? So now you got $2400 plus the five now. You got $2900 next Christmas Vert that's how you change the process like you have to be the willing to be the person to jump out of the Loop and say I'm gonna be the one that's not doing what y'all did and try something new like At least try it one time try to save money instead of spending it one time.

You already know spending it don't work You feel what I'm saying? You say I got to watch the white Christmas now I'm gonna search it and I'm gonna be honest with you If it look like I judge move first of all, it's hard for me to watch a movie more than three years old Unless it's like just an amazing movie like once movies don't look HD and 4k. I'll be like Oh, man. These are like very much first world problems I'm not willing to watch a movie that ain't in like 4k right now.

I'm embarrassed to say it My point people at the end of the day. I want to say this last thing about um poverty and Christmas It amazes me how people who been broke all year like let's say this person ain't had money all year Finds a way to have money on Christmas just to go broke again How did it happen? How did you do? How did it happen?

Did you spend it all too How do you go from being broke to mustering up money? Just to go broke but you didn't have no money when it was time to save you didn't have no money when it was time to invest You didn't have no money when it was time to do anything important But you found a way to get money to be broke again. I don't get it. I'm you Gee, I'm please tag me in the clip white Christmas.

I'm gonna let y'all know if I watch it or if I skip over it too It's an amazing thing. All right last thing and I'm out of here. I tell people all the time Growing up broke live and check to check is a superpower Poverty isn't all bad. There's a lot of good things you can learn from poverty poverty.

I can't talk Yes, I can I can talk There's a lot of good things you can learn from poverty the problem most of us is we just don't learn them We just keep doing the same thing again and again Poverty is a superpower because if you have found a way To survive check the check That means you are a expert strategist You're literally an expert strategist you feel me, Jim? Like you know how to to to budget an amount of money just to make it to your forecasting That's what forecasting is like you are forecasting your money is the inventory You're forecasting just enough product to last on the final day before the new shipment of products arrive You need to be working in supply chain and logistics because you are literally an expert in forecasting That's a superpower use it to your advantage if i'm so used to being broken live and check the check Then now what if I took that approach instead of spending all my money and that's the reason that i'm broke I'm giving y'all this is right here. This is bonus. This is like bonus podcast.

I'm giving y'all something This is this is actually cold what i'm about to say Instead of being broke because you spent all your money Because you got this superpower that you could survive check the check and it don't hurt you it don't kill you Why not go broke because you invested or saved all your money Why are we not willing to be broke because we say like I just I literally just saw poverty right now like I saw poverty in america It's okay. Let's say all right. So being broke. It ain't even a bad thing like like you know what i'm saying Who got me that cup?

I got it myself, Jim Actually, uh, made that I got it custom made that ordered it. I can't even tell you where I ordered it from I just get y'all like y'all here what i'm saying being broke ain't a big deal Okay, you used to be in broke. All right, we good with that. I'm broke.

I'm good But i'm broke because I take all my money and save it and invest it That's a different type of broke That's a temporary broke. I take all my money and save I take the bare minimum and eat and do whatever I got to do I pay my bills that I get my gas whatever but I say or I found I study I'm not giving you financial advice But you research and you found some something to invest in some assets to purchase during this time because during this time when the economy is Don't like it is the assets are cheaper by and large and they're likely going to get more cheaper more cheaper that's improper English What's my point be broke if you must be broke be broke because you're saving and investing And that is how you break a cycle because then when the economy turns around and all of the assets start increasing the price again You now own them The difference between the assets and the liabilities is if you purchase assets at a discounted rate even if the assets drop in value If you have the right assets and you've studied a research on your own not just listening to this guy on the podcast Something you to do something Over time the assets you purchase will increase in value But if you spend this time in this season right now during a recession in one of the worst macro economic situations that we've seen in our lifetime If that's the time that you choose to go buy the Gucci bag to go get the Gucci shoes to go spend all your money on liabilities That when the economy turns around they're not going to increase in value Let's make this simple people I'm pleading with y'all The simple version of assets and liabilities is this It's literally a liability is something you purchase and it decreases in value Meaning the most it's ever going to be worth is the day you bought it You get what i'm saying the day you bought it and then you can never get that again, right? An asset that's a liability an asset is something you purchase And from the day you buy it it increases in value over time So you can spend a thousand dollars on an asset that's only worth six hundred dollars in five years You can spend a liability you can spend a thousand dollars on a liability that decreases the six hundred dollars in five years Conceptually you can purchase an asset for a thousand dollars and look up in five years and it's worth ten thousand dollars You can ten extra money, right? You said you don't even have Gucci anything and i'm still Gensay, you said you broke out jc penny huh?

Hey, we've all been there. We have all been there before we have all been there before We have all been there before Broke off jc penny. I just gave y'all a simple um a simple thing to think about a simple solution to this idea of how do I how do I? Change this process of poverty and having a poverty month And all Ultimately what i'm saying is you got to do something different.

So hopefully y'all enjoyed today's show Um, nah gen no you dollar stow You're not kidding. I believe you actually believe you dollar stow broke now You can't you can't never say anything to make me not believe you can't afford dollar general right now Hopefully y'all enjoyed today's show. Please check out visit our guest. Um, follow him josh luka If you just jump in it was an amazing interview from a christian entrepreneur real estate investor He shared some really great nuggets and hopefully you got some value from today's show if you like this man, please subscribe Uh, we on youtube we on apple podcast obviously facebook wherever you watching or listening at Um about 70 percent of people tend to listen on apple podcast youtube is like growing a little bit by little Uh facebook is decent as well.

I appreciate it The point is regardless of where you listen and are watching you listening and watching and I think you'll appreciate you for your support We'll actually be back in a couple days for another show. Um, I got tanisha johnson coming on the book lady Um, she threatens you about your book, you know your life is horrible because your book ain't done Just like I threatened you about my podcast. So we'll be back Thursday with a show with tanisha We don't have a good time think the time is 6 30 for that interview. I appreciate y'all I love y'all got bless y'all.

Hopefully y'all have um, you know how it is during this time of season You just start wishing people mary christmas happy new year happy things giving I'm gonna say it to you every day. You're gonna get a hundred mary christmas is a happy new year's for me and happy things giving Cook some good food y'all. Okay. Don't don't disrespect us.

Um, making us like a runny and cheese Thank you time. Listen some of y'all uh, let me just say this before we really get out of here If you can't cook, okay Now's not the time maybe we're talking about being aware of the time in the season If you can't cook Thanksgiving ain't the time to try to prove that you can't because i'm looking i'm gonna start calling y'all out on these pictures Okay, on facebook in particular instagram. I'm gonna start coming in and letting you know that's not it Okay, you feel me telling you like that ain't it the Don't don't do that again. Okay.

I don't even want to start naming stuff. Um, secondly I don't want to see on Thanksgiving um your food on the paper plate in the picture Okay, throw the throw the phone away if you take a picture and and you have food on a paper plate Okay, I actually i'm gonna actually comment on your picture and say please throw the phone away Listen guys if the picture is blurry, okay, um, i'm i'm definitely i'm definitely not understanding if the picture is blurry Which iPhone do you or don't you have? Okay, um, definitely hitting people with the what's that Yo, yo, what up katrana? How you doing sister?

Uh, we gotta let these people know man. Um, you will be glad you'll be glad to retire to cook and if someone else doesn't listen Jim I just want to be real I would rather y'all not eat than you go ahead and try to prove that you can cook on Thanksgiving my sister Um, it's just ridiculous for y'all to do that like don't if you'll turkey look like greens It like your turkey shouldn't look like greens Train i'm just trying to i'm trying to bless the people with a little advice when we get out of here Like your turkey shouldn't look like let's look like greens and listen people I love y'all I respect y'all. I just if if it's not short gift don't use it on the day that the gifted That's like me trying to play football on the day of the super ball. I ain't ever played football a day in my life Say hey star if you can I really you star man.

I really are not eat if you can't cook on things I'm obviously joking people if you can't take a joke you probably won't like me But um, now eat the nasty fool take the ugly pictures. I'm gonna like him and keep it moving Um But if you were listen and I want I want to say this too When you go to the family event Don't ask out loud who made this it's disrespectful Y'all gotta stop doing this though like y'all be out here like who made this all loud and it's like well Let's say you like who made the mac the greens and they like jamé made it and then you walk past the greens It's a level of disrespect that takes place during things given that I don't see being taking place no other time of year Okay, and I really also lastly um I need y'all to stop. Okay, stop putting pumpkins and everything Okay, it's sweet potato pie There a pumpkin is something you sit outside on your porch for Thanksgiving people That's what a pumpkin is for a pumpkin that doesn't belong in a pie Why would you make a pie out of the same thing that you carved the devil's evil face in and sit it on your porch? I don't even want that.

I don't know what y'all I don't know what y'all love of pumpkins really is Jim how you know I ain't make no greens Listen, you don't know what you don't know. You don't know what uh oh you say you need to know who made them talk Listen, it's the disrespect for me ain't that what y'all say? Listen, man. Some of these terms y'all be saying be so funny.

It's the blank for me Train it listen they don't just stop asking y'all stop asking who made it at least whisper And I'm just being real with y'all my wife is the worst. She asked out loud. She looking on your eyes who made that? I'm like Uncle run, you know want pence the greens don't oop the green If your greens got gravy in it It's time to stop cooking matter of fact That should be I remember back in twitter with the hashtag days That that would have been my hashtag it's time to stop cooking You know what I'm saying?

If if if your chicken wings like you like first of all stop making wingedings y'all What is a winged in? I really don't get it a wing ain't nothing but two pieces A winged that you didn't broke my man imagine somebody breaking your arm and cooking the top piece of the elbow in the bottom piece of like Don't eat wingedings that that's not real chicken y'all listen not they got the gravy on the greens Um, stop pumping pumpkins and everything. I'm going in the grocery store They got pumpkins and ice cream they putting pumpkin spice and cupcakes stop doing it just just Stop it put it put the pumpkins down people That is a decoration piece that's not food All right, it's time to go to bed What's up, Brittany? What is how you feeling?

Tying us into me to bed so they go to sleep listen. I just I just don't I've seen pumpkin ice cream. What is that? What is that?

What why is there a pump? I don't know whose idea was it to make pumpkins out of everything but I literally want y'all to cancel pumpkins Please please cancel it. You say you can never I can never get with it either like I don't get it It literally it belongs on your porch. Okay people listen.

I love y'all. God bless y'all. Hopefully this show brings value value to your life Man, that's really my goal with this through all the jokes and everything is just about bringing value to people life and growing it and together and um sharing stories and inspiration from other people and uh, wait a minute jean says, okay guys, hold on we got Jen, you are hilarious Katrina says pumpkin is offensive and jean says it's a vibe This is the level of diversity. Let me let me just take a moment to to give a commercial for inspired guys people This is a podcast where we bring people together from all walks of life.

This is about diversity true diversity Not this fake stuff you're seeing in politics today where they want to present diversity While they're also canceling and excluding people other folks that don't agree with them This is true diversity where me as a pumpkin hater I can have someone listening to my show openly commenting and I'm not blocking them as they're talking about pumpkins This is what you get from inspired guys people to podcast when will you share this show when will you tell others to listen? When will you join the movement Of being united by faith in christ Jesus. We're believers. We're christians I'm caring that you eat a nasty pumpkin off the porch I'm not here to judge you because you spent all of your rent and mortgage money on christmas for your child who has a 1.7 gpa because they wanted a place station because you want to give them the life you never had and you never had a place station But you also never had a 1.7.

This is inspired guys people where we love you even if we hate you God bless you. Thank you guys so much for watching today people eat pumpkin because they don't listen my podcast I think that is an amazing point to get out of here It's not saying what you're gonna do till you do what you said When you go pick up that vibe will you know what you read? It's hard to be thinking your soul but promise they're not inspired be inspired I can see beyond the tears you cry