-If you don't have a good credit score you can't  have any good debt either. -And I go, "Yeah but...
-If you don't have a good credit score you can't  have any good debt either. -And I go, "Yeah but...

I kind of wanted that. I like seeing that in the bank. It's pretty.
I kind of wanted that. I like seeing that in the bank. It's pretty.

Oh, look at all those little zeros". -But  then what if an emergency came up you
Oh, look at all those little zeros". -But  then what if an emergency came up you

don't have an emergency fund it's like...  -Yeah, you would be an aggressive investor.
don't have an emergency fund it's like...  -Yeah, you would be an aggressive investor.

Next, Dave Ramsey bit of wisdom, pay cash whenever possible. Now, this... is where you
Next, Dave Ramsey bit of wisdom, pay cash whenever possible. Now, this... is where you

diverge. -So, I've thought about this because  I've heard that pay cash whenever possible and
diverge. -So, I've thought about this because  I've heard that pay cash whenever possible and

when I got my Tesla my personal Tesla.  I had the thought, "Should I just buy it
when I got my Tesla my personal Tesla.  I had the thought, "Should I just buy it

or should I get a loan?". -See now, a normal  person like me if I have the money I would say,
or should I get a loan?". -See now, a normal  person like me if I have the money I would say,

"I'm gonna just buy it". Now, maybe I'm not normal  though because I like to own things right away.
"I'm gonna just buy it". Now, maybe I'm not normal  though because I like to own things right away.

But you bought a business one though too. -No,  I'm not even talking about that. I'm talking
But you bought a business one though too. -No,  I'm not even talking about that. I'm talking

about my personal. -My personal car, stay there.  -I could have paid cash for it and walked away but  
about my personal. -My personal car, stay there.  -I could have paid cash for it and walked away but  

I love like I've had so many years of struggle  that having money and savings is so nice.
I love like I've had so many years of struggle  that having money and savings is so nice.

-I know but it's not doing anything in savings  unless it's a huge amount, right. I've only
-I know but it's not doing anything in savings  unless it's a huge amount, right. I've only

making like one percent. -Exactly, a month for  many of us. Yes. -Yes, I'm paying interest let's
making like one percent. -Exactly, a month for  many of us. Yes. -Yes, I'm paying interest let's

just make math easy. Let's say my car payment's a  thousand dollars a month. -Okay. -Versus paying it
just make math easy. Let's say my car payment's a  thousand dollars a month. -Okay. -Versus paying it

cash outright. Having the security of having that  in there knowing of course, I can make my car
cash outright. Having the security of having that  in there knowing of course, I can make my car

payment. I'm never going to miss a payment that's what I've opted to do and I'm happy to
payment. I'm never going to miss a payment that's what I've opted to do and I'm happy to

pay them the energy. -And that is your experience and I think that's why we're
pay them the energy. -And that is your experience and I think that's why we're

doing this little exercise  is from your experience, 
doing this little exercise  is from your experience, 

from your background, you  like and I'm the same way.
from your background, you  like and I'm the same way.

If I know I have to pay something off and I have  the like every year will my wife and I will go.
If I know I have to pay something off and I have  the like every year will my wife and I will go.

How much should we pay down on our house  
How much should we pay down on our house  

and we've done some pretty massive chunks over  the years and I go, "Yeah, but I kind of wanted  
and we've done some pretty massive chunks over  the years and I go, "Yeah, but I kind of wanted  

that. I like seeing that in the bank. It's  pretty. Oh, look at all those little zeros',  
that. I like seeing that in the bank. It's  pretty. Oh, look at all those little zeros',  

and she'll go, "Yeah", but think about it  in a few years we're done with this house
and she'll go, "Yeah", but think about it  in a few years we're done with this house

and we're saving thousands and hundreds  of thou whatever it is in interest.  
and we're saving thousands and hundreds  of thou whatever it is in interest.  

But there is something about  money in the bank, isn't there?  
But there is something about  money in the bank, isn't there?  

-Yeah, like it's nice at any time  if anything happened I could pay
-Yeah, like it's nice at any time  if anything happened I could pay

it off or in the case of a house,  
it off or in the case of a house,  

right. If we saved up when we have  let's say we're buying a $500,000
right. If we saved up when we have  let's say we're buying a $500,000

house and we've got $500,000 in the bank. Like if  we took that and we just bought the house outright
house and we've got $500,000 in the bank. Like if  we took that and we just bought the house outright

but then what if an emergency came up you don't  have an emergency fund. It's like, what are you
but then what if an emergency came up you don't  have an emergency fund. It's like, what are you

going to do? Can you... You're  going to have to get it. 
going to do? Can you... You're  going to have to get it. 

-You can immediately. -It's  like you can't liquidate it.
-You can immediately. -It's  like you can't liquidate it.

-Yeah, but if you've got... if you've just got a minimum payment and you could. I don't
-Yeah, but if you've got... if you've just got a minimum payment and you could. I don't

know. -Yeah, no I know. It's I  think it's tricky for everybody.  
know. -Yeah, no I know. It's I  think it's tricky for everybody.  

It's an individual kind of a feel for... -Being able to pipe to pay cash for anything?  
It's an individual kind of a feel for... -Being able to pipe to pay cash for anything?  

I mean... that's a good place to... that's a
I mean... that's a good place to... that's a

good place to aspire to know that you could and  then you can make the choice. Like I think I'd  
good place to aspire to know that you could and  then you can make the choice. Like I think I'd  

just rather pay the thousand dollars a month.  -The number crunchers like the Dave Ramsey are  
just rather pay the thousand dollars a month.  -The number crunchers like the Dave Ramsey are  

going to say you're an idiot. Because over the course of time the accumulation of blah...
going to say you're an idiot. Because over the course of time the accumulation of blah...

you're in the hole. So,  what? I feel... -And for them  
you're in the hole. So,  what? I feel... -And for them  

they're worried about you know their investments
they're worried about you know their investments

are getting them 5% per year or 10% per year. 
are getting them 5% per year or 10% per year. 

When it's for me, it's like  you know what I could do?
When it's for me, it's like  you know what I could do?

Like, yeah in the scenario of buying the Tesla I  
Like, yeah in the scenario of buying the Tesla I  

compared it to money that's  in the bank. But when I
compared it to money that's  in the bank. But when I

invest money, I'm investing it in my business like  I'll spend you know a couple thousand dollars on a
invest money, I'm investing it in my business like  I'll spend you know a couple thousand dollars on a

camera and a nice lens and I'm using it  and I'm leveraging it like I'm gonna,  
camera and a nice lens and I'm using it  and I'm leveraging it like I'm gonna,  

what ten percent like?
what ten percent like?

So, the types of rates returns and investing  and saving one percent here and getting extra  
So, the types of rates returns and investing  and saving one percent here and getting extra  

one percent there. It's like, yeah, I don't play in those small numbers to kind of you know.  
one percent there. It's like, yeah, I don't play in those small numbers to kind of you know.  

I mean, like if I'm going to invest some money and have it be an investment I want it to at least  
I mean, like if I'm going to invest some money and have it be an investment I want it to at least  

double my money. You know I want  to get a 100% return. -Yeah,  
double my money. You know I want  to get a 100% return. -Yeah,  

you would be an aggressive investor. -But there's  
you would be an aggressive investor. -But there's  

no risk because I don't take the risk.  I'm aggressive in the return that I want  
no risk because I don't take the risk.  I'm aggressive in the return that I want  

but I don't want... I don't take big risk like I  don't go to a casino. That doesn't make any sense.
but I don't want... I don't take big risk like I  don't go to a casino. That doesn't make any sense.

Like yeah, I might hit the jackpot but the risk  is it's a speculative. -The risk for me would be  
Like yeah, I might hit the jackpot but the risk  is it's a speculative. -The risk for me would be  

becoming addicted to gambling because I know me  and I would I'd never leave. Alright, next up,
becoming addicted to gambling because I know me  and I would I'd never leave. Alright, next up,

Dave Ramsey likes to spout advice and  he should, he's a smart guy. Sure,  
Dave Ramsey likes to spout advice and  he should, he's a smart guy. Sure,  

he's written books the whole nine yards.  Nate has his feelings. Here's the next one,  
he's written books the whole nine yards.  Nate has his feelings. Here's the next one,  

you don't actually need a credit score says  Dave Ramsey. Is that true or false according to  
you don't actually need a credit score says  Dave Ramsey. Is that true or false according to  

Nate? -That sounds like... that sounds hogwash.  Like if you're going to buy a house how could  
Nate? -That sounds like... that sounds hogwash.  Like if you're going to buy a house how could  

you buy a house without a credit score? If  you're going to buy a car how could you buy  
you buy a house without a credit score? If  you're going to buy a car how could you buy  

one without a credit score? So, if he's saying  you don't actually need a good credit score  
one without a credit score? So, if he's saying  you don't actually need a good credit score  

it's like... -Then you're just you just cash-rich.  -You're just not... you're not going to be a part  
it's like... -Then you're just you just cash-rich.  -You're just not... you're not going to be a part  

of society. You're not going to leverage things.  Like if you don't have a good credit score  
of society. You're not going to leverage things.  Like if you don't have a good credit score  

you can't have any good debt either. Like  maybe he's saying that, "Yeah, you actually  
you can't have any good debt either. Like  maybe he's saying that, "Yeah, you actually  

don't need a good credit score you could survive  and be just fine", well, you can't get wealthy.
don't need a good credit score you could survive  and be just fine", well, you can't get wealthy.

Because the only way that you can become wealthy  is leverage. -Right, yeah. If we were talking
Because the only way that you can become wealthy  is leverage. -Right, yeah. If we were talking

to Noelle about credit scores  and having one she would 
to Noelle about credit scores  and having one she would 

be laughing him out of the room. -Her empire would  not be possible. -It wouldn't even exist. Yeah... 
be laughing him out of the room. -Her empire would  not be possible. -It wouldn't even exist. Yeah... 

Alright, next, Dave Ramsey-ism make sure you  have an emergency fund. That seems like we 
Alright, next, Dave Ramsey-ism make sure you  have an emergency fund. That seems like we 

would agree with that. -That makes a lot of sense.
would agree with that. -That makes a lot of sense.

I can't argue with that. I mean, that's kind of what I've been promoting is like put  
I can't argue with that. I mean, that's kind of what I've been promoting is like put  

money in savings have an emergency fund before  you pay down your credit card. -Okay, next one,
money in savings have an emergency fund before  you pay down your credit card. -Okay, next one,

minimize your expenses. Is there a way to look at  the negative of that? -Yeah, actually. It's kind  
minimize your expenses. Is there a way to look at  the negative of that? -Yeah, actually. It's kind  

of like... it's kind of like that conversation of like oh if you have a coupon then you can...
of like... it's kind of like that conversation of like oh if you have a coupon then you can...

reduce that expense and if you can get you know, negotiate this service or cancel that service.
reduce that expense and if you can get you know, negotiate this service or cancel that service.

But you're focusing on reducing, you're  focusing on like having a limited quantity of
But you're focusing on reducing, you're  focusing on like having a limited quantity of

of money. And again, there's the concept of  if I'm using a coupon or wanting to get a  
of money. And again, there's the concept of  if I'm using a coupon or wanting to get a  

discount then the person that is selling me that product or service they're not making profit.
discount then the person that is selling me that product or service they're not making profit.

They're not making a return. But if... instead of worrying about minimizing expenses I'm
They're not making a return. But if... instead of worrying about minimizing expenses I'm

focusing on maximizing my income or my revenue.  
focusing on maximizing my income or my revenue.  

Does that make sense? Like...  -Well, I understand one
Does that make sense? Like...  -Well, I understand one

feeds the other you minimize expenses  you will maximize your revenue. But what  
feeds the other you minimize expenses  you will maximize your revenue. But what  

you're saying is is rather than focusing on  what I can cut off and what I can minimize  
you're saying is is rather than focusing on  what I can cut off and what I can minimize  

focus on how other ways perhaps to maximize  your profit. I don't know. -So, if you've got  
focus on how other ways perhaps to maximize  your profit. I don't know. -So, if you've got  

this much income and you've got this much  expenses. If you lower your expenses what 
this much income and you've got this much  expenses. If you lower your expenses what 

Dave Ramsey's saying is lower  your expenses. Well then
Dave Ramsey's saying is lower  your expenses. Well then

look at this, you've got more play money. But what if you can just focus on this? -Yeah, I see  
look at this, you've got more play money. But what if you can just focus on this? -Yeah, I see  

you're saying. -Yeah, like, so I just think that  the focus is wrong. If you've got a limited income  
you're saying. -Yeah, like, so I just think that  the focus is wrong. If you've got a limited income  

then yeah you've just you've got  to focus on that because it's...
then yeah you've just you've got  to focus on that because it's...

-Well, I also look at this this column over here  of the expenses and that you know you have these
-Well, I also look at this this column over here  of the expenses and that you know you have these

things that say, eliminate this, eliminate that,  take away this service, all these subscriptions.  
things that say, eliminate this, eliminate that,  take away this service, all these subscriptions.  

The money you don't even know where it's going  sometimes. Okay, that's stupid to not know where  
The money you don't even know where it's going  sometimes. Okay, that's stupid to not know where  

your money's going. But if I take away some of  those expenses I also take away in some respects
your money's going. But if I take away some of  those expenses I also take away in some respects

not only my quality of business  but my quality of life.  
not only my quality of business  but my quality of life.  

Because I have some of those expenses because
Because I have some of those expenses because

they make me happy and they make my business go  and that's so I can understand what you're saying,
they make me happy and they make my business go  and that's so I can understand what you're saying,

focus more on being able to maximize as 
focus more on being able to maximize as 

opposed to... -Here's an  example, so, if I wanted to
opposed to... -Here's an  example, so, if I wanted to

minimize expenses. I buy some groceries that are  kind of like catering for the studio house here.
minimize expenses. I buy some groceries that are  kind of like catering for the studio house here.

So, my clients, they can have some chips and guacamole. They can have protein shakes and
So, my clients, they can have some chips and guacamole. They can have protein shakes and

stuff like that. So, if I were to minimize  expenses I would go personally and I would drive  
stuff like that. So, if I were to minimize  expenses I would go personally and I would drive  

to Costco and I'd buy those items and bring them  back here. But that would minimize the expenses  
to Costco and I'd buy those items and bring them  back here. But that would minimize the expenses  

but that's my time and in the same amount of time, I could do other things that are going  
but that's my time and in the same amount of time, I could do other things that are going  

to get me more revenue for my business and I can  hire a seminar. I can use the instacart to have  
to get me more revenue for my business and I can  hire a seminar. I can use the instacart to have  

them. So, Instacart isn't minimizing my expenses  it's adding a delivery fee. -Yeah. -And it's you
them. So, Instacart isn't minimizing my expenses  it's adding a delivery fee. -Yeah. -And it's you

know but it's saving me time where I can put my  time. -I was gonna ask you, how did you get the
know but it's saving me time where I can put my  time. -I was gonna ask you, how did you get the

food here but you answered it with Instacart. That  makes sense or just Walmart delivery or whatever.
food here but you answered it with Instacart. That  makes sense or just Walmart delivery or whatever.

Doordash, pay the kid next  door. Hey, use 20 bucks.  
Doordash, pay the kid next  door. Hey, use 20 bucks.  

-See, that's not minimizing your  expenses that's... -No, but it's  
-See, that's not minimizing your  expenses that's... -No, but it's  

maximizing your time. -Yeah. -Next, Dave  Ramsey-ism well yeah, increase your income.
maximizing your time. -Yeah. -Next, Dave  Ramsey-ism well yeah, increase your income.

What does he mean by that? Of course, why wouldn't  we, how do we... -That's a good idea. That's where  
What does he mean by that? Of course, why wouldn't  we, how do we... -That's a good idea. That's where  

the focus should be. -That's a good idea, increase  your income. Everybody... increase your and go...
the focus should be. -That's a good idea, increase  your income. Everybody... increase your and go...

I like it. It's like when Steve  Martin said how to be a millionaire.  
I like it. It's like when Steve  Martin said how to be a millionaire.  

He said, "First of all, get a million  dollars and then invest in cardboard  
He said, "First of all, get a million  dollars and then invest in cardboard  

you can get it for like 16 cents a ton", this  is brilliant. Steve Martin's almost dead.
you can get it for like 16 cents a ton", this  is brilliant. Steve Martin's almost dead.

-There are three different  ways that I work with people,
-There are three different  ways that I work with people,

my course, my done for you service, and  my inner circle brand new this year. Okay,  
my course, my done for you service, and  my inner circle brand new this year. Okay,  

my course is DIY do it yourself  but it's my complete strategy.
my course is DIY do it yourself  but it's my complete strategy.

You go through 10 weeks, 10 modules, that will help you get the ball rolling and
You go through 10 weeks, 10 modules, that will help you get the ball rolling and

generate momentum with the exact strategy that I use on all 27 channels that I produce.
generate momentum with the exact strategy that I use on all 27 channels that I produce.

My done-for-you service is what clients  like Noelle Randall use. Where we do all the  
My done-for-you service is what clients  like Noelle Randall use. Where we do all the  

filming. We do all the editing. The thumbnail  design, the launch, we monitor the analytics,  
filming. We do all the editing. The thumbnail  design, the launch, we monitor the analytics,  

and help these channels improve month after  month after month. Now, my inner circle  
and help these channels improve month after  month after month. Now, my inner circle  

is for six-figure business owners. They  want to take their business to seven figures  
is for six-figure business owners. They  want to take their business to seven figures  

and really want to scale their YouTube  channel as well. You get a taste of our  
and really want to scale their YouTube  channel as well. You get a taste of our  

done for you service where we just launched  one episode per week. You're also part of a  
done for you service where we just launched  one episode per week. You're also part of a  

community with other business owners that want  to learn and implement the same strategy and we 
community with other business owners that want  to learn and implement the same strategy and we 

have four quarterly retreats. Now, the studio  houses where you'll be filmed either here in  
have four quarterly retreats. Now, the studio  houses where you'll be filmed either here in  

Utah or in Orlando, Florida are  also big enough that that's where  
Utah or in Orlando, Florida are  also big enough that that's where  

we're going to have our quarterly retreats. If you're ready for a strategy session with me  
we're going to have our quarterly retreats. If you're ready for a strategy session with me  

to discuss whether my course the inner circle  or my done for your service is a fit for you
to discuss whether my course the inner circle  or my done for your service is a fit for you

then go to my website betheherostudios.com. I'll link to it below and anywhere on that page  
then go to my website betheherostudios.com. I'll link to it below and anywhere on that page  

click learn more and I'll chat with you then. It's probably a good invite just that and subscribe
click learn more and I'll chat with you then. It's probably a good invite just that and subscribe

for everything. Yes. I like... -I'd probably use it  for kindling if it was your course. -Okay, so the...
for everything. Yes. I like... -I'd probably use it  for kindling if it was your course. -Okay, so the...

Punch you of it. -So, again, here, you're not his audience  for that bit of advice. You know what I'm saying?
Punch you of it. -So, again, here, you're not his audience  for that bit of advice. You know what I'm saying?