(these are auto generated, so may be 95% accurate)

[00:00:00] Chris Furlong: Yo, yo yo, welcome back to the further, your lifestyle podcast, conversations on lifestyle passions and hustles. My name's Chris Furlong. I'm your host. And I'm super thrilled to be back here, having the conversation with you in episode 47, I can't believe how close we are to 50. Won't be long now. And I appreciate you all tuning in having a listen.

[00:00:18] Chris Furlong: And if you didn't know this year, I'm trying to grow the podcast even bigger and better. And the best way that you can help with that is if you find that you've enjoyed an episode, or if there's an episode, you believe will resonate with someone else, please go ahead and share it. And that would mean the world to me.

[00:00:33] Chris Furlong: So really do appreciate that in advance. Now, today, we're here to talk about money, wealth and financial maturity, and these topics can be also very overwhelming. There's a lot of information overload. There's so many hype trains trying to sell, I guess, the next best idea. And there's a saturation in, in, in the news and in the media and just everywhere you look of how you can potentially get rich and quick.

[00:00:56] Chris Furlong: And a lot of this is all fluffing. It can be all very, very overwhelming and complex. Well, the above doesn't need to occur. And actually it should be quite simple when it comes down to building your wealth or building a personal finance. And that's what we're here to chat about today. And I want to introduce to you, Paul yo, he's a great friend.

[00:01:14] Chris Furlong: He's a leader, a coach in the financial field and he's been doing it for years. He's got many years of experience and what he's trying to achieve now is packaging. Is usually quite complex into a simplified approach using his, his own energy enthusiasm. And of course his experience and wealth and understanding within this area.

[00:01:32] Chris Furlong: And he comes with the intent to help you improve, I guess, your financial education with your objectives in mind, and really helping you make these steps so much easier. So today that's what we're chatting about. We chat about getting to know Paul and his journey and what he's done to date and who he is and how you can get in touch with him.

[00:01:50] Chris Furlong: But also we touch on the simple things you can do to make your wealth creation, steps that so much easier. And I just want to be very clear that this episode is not advice. We're not here to give advice. This episode is not here to say, this is what you should do. This episode is simply a conversation of ideas and experience and different things that we've done and gone through.

[00:02:10] Chris Furlong: And of course, if you do need help, you should reach out to your accountant or your financial advisor or a professional. Um, these are just simply things that we have done and it's our opinions and what we might continue to do or might not do it might not work for you. Um, so please do not take this as pure advice, but more into consideration.

[00:02:30] Chris Furlong: All right. Let's just jump straight into it. Welcome Paul, to the further your lifestyle podcasts. Uh, 

[00:02:35] Chris Furlong: how you doing today, man? 

[00:02:37] Paul Yeo: Yeah, doing well doing well. Uh, we're 11 days into 2022. 

[00:02:41] Chris Furlong: That's it? 

[00:02:43] Paul Yeo: It was like February already. 

[00:02:44] Chris Furlong: It's it's, it's a bit of both like. Well, 2021 was, it was that it dusted so quick and here we are in 2022 and I'm already jumping into the new year and it's always that hype at this time of the year, everyone wants to set the new goals, get in place and, you know, get all these new habits.

[00:03:01] Chris Furlong: And I guess new year's resolutions in place, but especially, you know, for someone of yourself in that, in a financial space, um, you'll probably hear a lot of people around, you know, wanting to save more this year or new financial goals. So it must be a bit of a, an exciting time for you at this time. 

[00:03:17] Paul Yeo: Uh, it is, it is it's, it's really good to open up conversations.

[00:03:21] Paul Yeo: It's it is a conversation starter. Really? Yeah, 

[00:03:24] Chris Furlong: no, I totally agree. I love to, um, I guess build up the momentum of this the start of any year, because you know, it's a bit cliche, you know, new year's resolutions and all this hype, and everyone's like, oh, I'm going to lose weight. And then, you know, 10 days later, they they've stopped doing it.

[00:03:39] Chris Furlong: But, you know, I like to ride that momentum because you don't need a new year to be able to have that momentum. But I feel like a lot of people just like that clean slate or that fresh start mentality because it enables us to yeah. To, I get hit the ground running and you can kind of leave the past in the past when really we can just apply this any day or any month, but it's, it's all psychological, I guess 

[00:04:03] Paul Yeo: it's a hundred percent mindset.

[00:04:04] Paul Yeo: I mean, there are things that, you know, I knew I wanted to change certain habits of mind and we were in November sort of start of December and you know, we're close to the finish. I could easily just went and say, Hey, you know, we'll wait to the new years. So guess what? I'll just eat all the junk food at one now, because, you know, come midnight, you know?

[00:04:25] Paul Yeo: And when you say happy new year, that's what, you know, all the effects of the junk food is gone. Right. It doesn't work that way. 

[00:04:31] Chris Furlong: That's funny stuff, but we're going to, we're going to touch on a lot of stuff today, but let let's, let's hear about you. Um, you know, you're a leader, you're a coach, especially in the financial field and you know, we've known each other for must be, must be 3, 3, 4 years now.

[00:04:45] Chris Furlong: Um, probably probably three and time has flown, but, um, for the, for the people listening, um, can you just introduce yourself who you are, what you're all about and w we'll dive in a bit about, you know yeah. Your background as well. 

[00:04:58] Paul Yeo: Yeah, for sure. For sure. So for me, um, really, I, I went into financial planning, right?

[00:05:04] Paul Yeo: So I'm the longer financial planner and I left that and now working in, in the coaching. As a financial mentor. Um, so the difference here is I don't give advice, but rather I provide education and a lot of education around the strategies on how to build wealth, um, or how to protect that wealth even. Um, and in terms of, um, sort of the deeper work that I do is really working on the mindsets that we all bring, uh, on the table because we all grow up differently.

[00:05:39] Paul Yeo: Don't we, we have different things happen to us. And, you know, from the age of really one to seven is when you really getting embedded almost subconsciously you're, you're a sponge, right? Yeah. And you're learning a lot of things probably, uh, from your parents, uh, you know, from how the people from leaders, auntie ankles, whatever it is whoever's around you, and you might pick things up that CA that you carry along for the rest of your life.

[00:06:07] Paul Yeo: Yeah. I call, is this forms your, your blueprint in life. Really very true. And, and for a lot of people, myself included YouTube. Yeah, we are, we are walking around and we're doing things unconsciously. Yeah. So it's bringing that unconscious to conscious and it's the same with money because money is a, an emotional subject.

[00:06:31] Paul Yeo: So a lot of, um, events that does happen, um, does get embedded emotionally. And yeah, we, we have even physiological responses to it. And how do we then, uh, reverse some of these, especially those that are not serving us. Yeah. So that's the deeper work that I do with my clients. Um, a little bit about my background.

[00:06:54] Paul Yeo: Yeah. Okay. How, how I started in the world of, uh, finance. Um, I was, uh, actually a graduate of, uh, applied psych. Exercise and nutrition. Right. So 

[00:07:06] Paul Yeo: it's completely different 

[00:07:09] Paul Yeo: than a whole 180. Um, but really I did it because, you know, like I follow one mom say, right, mom said, look, Paul, you know, I want you to get a degree.

[00:07:18] Paul Yeo: And once you get a degree, can do whatever you want. Yeah. So for me, it's like, yeah, all right, I'll just pick that one. Right. So I can start doing whatever I want quicker. Um, and what I found was that was really no, no jobs. And that's what I was looking for. You know, that, that old saying, you know, like study hard and go to school, study hot, get a degree, get a job.

[00:07:43] Paul Yeo: Uh, because I went, I picked that one and then I realized, well, actually the jobs that I want requires me to go into honest requires me to go and do a post-graduate and I go, do I want to work in this field? The answer is no, not really. I actually enjoy interacting with people. So yeah. Um, my sister went into business straight up and she was four years younger than me.

[00:08:08] Paul Yeo: Right. And then she got into, uh, you know, the big four accounting firms, you know, and I went through that process and I go, wow. If she could do it, I certainly can do it. You know, I did science, right. Like it's way harder. That's what I was thinking at the time. Um, so I, I went in and her, her major was, uh, finance, financial planning and uh, something else.

[00:08:32] Paul Yeo: Right. So I go, okay. I'll just, I'll just follow in her footsteps. I figured out with my little sister, um, the first subject I sat down and I really got into was retirement income streams. Okay. And normally, like, I'm the kid that sits towards the back at all. I was sitting, writing. By just celebrating with what the lecture is going to have.

[00:08:56] Paul Yeo: The lecture is going to say next, I learned so much and I it's something like, you know, with Thomas coming. Yeah. But for everyone, but being in my, uh, in my twenties by then, so hitting towards mid twenties, I realized that, wow, this is so interesting. Why don't I learn about this now when I'm younger. Yeah.

[00:09:19] Paul Yeo: And that sort of brought me to the, to this trajectory to becoming a financial advisor. And of course, um, going through the motions, uh, I went through, uh, working for a big industry super fund. And that's where I got my first taste of giving advice to, uh, people also over the phone advice. Yeah. So the great thing about that is I get to speak to a lot of people and give general advice over the phone.

[00:09:45] Paul Yeo: Yeah. And when, I mean a lot, I mean, in my two years there, I spoke to over 4,000 people. Yeah, so, and it's all around Australia. So I got a really good sense of people all around, um, Australia, Australia centric, and then learning about the, the mindset, the pattern, because we get clues on what people say yep.

[00:10:13] Paul Yeo: What we believe, what our values are, translate to what we say. And that's where I realized, okay, well then why, why are there some people in this world that are doing so well financially or continuously do well financially? It's almost generational. Yeah. And why some people are poor and they generate generationally poor.

[00:10:34] Paul Yeo: Yeah. So that got me curious. And of course later on, I went to the banks and worked for two of the big four banks here in Australia. And it's not. And, um, and yeah, I got to dive deeper into their circumstances and I got to see a lot of profiles because we were able to see, you know, uh, you know, bank accounts and all, uh, of people.

[00:11:02] Paul Yeo: So that, that was a really good, um, experience for me. I'd say, because now I get to understand even more now what, what people go through. Yeah. And yeah, and fast forward from there, I started my business in financial planning, um, and COVID hit and, uh, it, it, it, it just became harder and harder and harder and what I find, and that's where I started my journey in coaching as well when I left the bank.

[00:11:37] Paul Yeo: And it's a matter of, yeah. Should I be doing both or should I really pick one path? This is where, you know, I feel for myself. Yeah. Coaching is, is really the, the path that I'm most excited about. Yeah. No, 

[00:11:53] Paul Yeo: that's that's yeah, it's great. And you say it like, it just happened over night. So I wanna, I wanna back it up a bit and just dive into a few things here that are, that have taken away.

[00:12:02] Paul Yeo: So, I mean, this, this has happened over, I guess, what 10, 15 years of you going through that? Well, studying career and now kind of realizing, well, this is actually now what you want to do the coaching stuff, which we're going to touch on later, but is that right? It's about 10, 15 years of, of thousand 

[00:12:19] Paul Yeo: 2008, 2009.

[00:12:21] Chris Furlong: JPS. Yeah. Yep. So what a journey and, and that's okay. I think, you know, the important thing that I want to really just bring to the surface here is like, you went into science, you know, you did what, you know, cliche, go get a degree, follow your parents' advice and whatnot, which is completely fine because, you know, you could have absolutely loved it and realized that is what you want to do.

[00:12:42] Chris Furlong: But sometimes it takes us to go through these things. So then realize, no, and then you've pivoted, you've adjusted. And you know, you've gone into the space in where your curiosity was, which was financial planning. And, you know, you've gone into the big banks and whatnot, and then you've been able to dabble in that.

[00:12:58] Chris Furlong: And I think, you know, you hear it hearing, you say that you, um, you know, you've interacted with 4,000 people over that time, whether it was more or less, you know, to be able to get their understanding or hear their problems or see their circumstances, it must be quite overwhelming, but also very. You know, I guess exciting at the same time, because you're going to have this broad scale of people that as you said, you know, that they've got lots of money.

[00:13:25] Chris Furlong: They don't know what to do with it. Then you've got the people that have lots of money that seem to be just growing with even more money. And then you've got the people that don't have any money, but they want to, you know, they want to all of a sudden be retiring in 10 years time and you're thinking, well, there's no chance of this.

[00:13:40] Chris Furlong: And it must be quite like you've got complete different ends of this spectrum. And how, how do you psychologically manage to that? Because you know, here you are, obviously you're giving over the phone advice and it's not advice that's necessarily going to guarantee. You know, they're going to be a millionaire in 10, 15, 20 years.

[00:13:59] Chris Furlong: Obviously there's a set of rules and, and things that you can apply that in theory, if you do this, then, you know, you, you, you shouldn't be able to have financial independence or security, but how did you manage going into that? I guess, emotionally or psychologically, because money is a, as, as we already touched on it's, it is one of those touchy subjects and it's kind of something that people either, you know, really connect to it or people I guess, put with disregard because, you know, it makes them angry because they don't have it.

[00:14:32] Paul Yeo: Yeah. Uh, how did I go into it? I think I've been very fortunate the way I've been brought up. I mean, I wouldn't change a thing. Yeah. Uh, you know, most people have their moms and dads, but some comes from divorce family. I happen to come from a divorce family. Um, but the good thing was very early in my life.

[00:14:52] Paul Yeo: Right. When my mom was younger, my mom and my dad were together. They, they had conferences. So my dad was funnily enough in insurances. Okay. I kind of followed his footsteps, going to financial advice. Right. And, you know, they, they, they went into a program like a seminar presented by Bob Proctor. Okay. So, you know, Bob Proctor.

[00:15:17] Paul Yeo: Yeah. No, I don't actually know you don't well, he's, he's one of the OGs out there. Um, yeah, yeah. Check him out, check him out. And, um, yeah, they w they were into personal development to an extent in the early, early times. And, um, you know, my mom always instilled in me, uh, beliefs and say everything is a state of mind when I was nine years old.

[00:15:43] Paul Yeo: And, and I believe that. And when. I asked my grandfather about it because mom went after they split mum, um, worked a lot. Right. That's how she, single handedly brought two kids from Malaysia to Australia. Um, and my granddad, uh, I spent a lot of time with my grandparents. Okay. My granddad used to do a lot of meditation, so there's a lot of, uh, Buddhist, um, you know, Buddhist learning and, you know, I learned about meditation.

[00:16:11] Paul Yeo: I learned about, uh non-attachment okay. Because I was understanding the world, you know, mom falls in love with this. We were Catholics now, funnily enough. Um, uh, so what a journey and, and yeah, learning about non attachment, it, it sort of prepared me, I guess, spiritually. Yep. When, when I went into finances, I realized that no, like I don't have to carry these burdens.

[00:16:40] Paul Yeo: Yeah. I'm I'm just talking to people. I'm helping them. A lot of it came from the heart. Yeah. And, and yeah, it's, it's nothing I carried away, um, from it. Yeah, 

[00:16:56] Chris Furlong: that that's a good answer. No, I get it. And if I, if I play it back, because it's kinda like, you know, there's, there's empathy applied there, but also, I guess it's like, if we, if we change the scenario, if you were a counselor and you were helping people get through a circumstance, you know, that counselor has to be in a position where they're not going to want to always save the person, but they're there to help the person, but they're not there to save the person.

[00:17:21] Chris Furlong: Right. Because at the end of the day, the only person that can save the person is the person that's requesting help. Right. Cause they're going to have to go do the WIC. They have to put in the effort, they have to follow some steps in order to get back on track or whatever it may be. So, you know, you're not here to be that superhero and you can't have that superhero mentality because otherwise, yeah, you're going to be trying to help 4,000 people and, you know, have this complex of, you know, trying to change the world, which you know, you're going to, and I guess sometimes it also becomes.

[00:17:49] Chris Furlong: That's why maybe people think that financial plan is, you know, they don't have that emotional, they don't care. They're just there to make money. And it's, that can come off probably because, you know, you're not there to try and buddy up and you're there to try and move on and tell it, this is what you need to do at the end of the day.

[00:18:03] Chris Furlong: That's, that's the service, that's the product you're, you're supplying and providing. You're not there to, you know, go on this one-on-one coaching journey for over a couple of years or months, which is maybe now something that you are doing, but it's a whole different ball game. And I think having that expectation on yourself and, and reality check is, is very important.

[00:18:23] Chris Furlong: Yeah. As I said at the start, you know, money can be touchy subjects and, you know, it's, there's, there's this big hype at the moment. I mean, there's always been a hype when there's something new trendy, but especially now more and more that I guess people have access to be able to share, you know, their portfolios or share what they're doing to save money with budgeting tips or whatnot.

[00:18:45] Chris Furlong: Everyone else wants to get into it. And they all expect that, oh, if I do this, I'm going to be able to have this money. And it's a get rich quick scheme or something like that. But I think one thing people don't realize is that a lot of it comes with time and coming back to where we talked about, you know, what you've done in your journey, your education, and, and getting to what you're doing now, that all comes back to time.

[00:19:06] Chris Furlong: Whether we're talking about money or we're talking about skills or experience everything we do. Comes back to time. And I think until people grasp that, whether it's about life or money, being able to deal with loads amount of money or achieving a lot of money, I think it's going to be hard to understand.

[00:19:25] Chris Furlong: Right. Would that be correct? It really does come down to this, this time factor of, of understanding, 

[00:19:32] Paul Yeo: um, um, yes, to an extent, because in order for a pleasant change us, he has a thing. Change, change. A lot of people believe that change happens over time. Yep. But really change happens based on a decision.

[00:19:47] Paul Yeo: Yeah. We changed them. We decide to change. Correct. It's coming to that point of decision that takes time. Yeah. And for some people they might, they might live through their life and they start reflecting and go, oh yeah. Actually I need to change for some people. It might have to be, um, something drastic that happens like a death in the family, or if that's true, Uh, th the, the property market crashing, for example.

[00:20:14] Paul Yeo: Yep. And leaving them overexposed and they go, oh, it's time to change now. Um, and for me, you know, working with people is generally people that has either come to the realization and they want to reduce that time. Yep. For the transformation for that change, then they come in and look for me. Um, I'm not out there to go, Hey, you know, I can see what you do.

[00:20:38] Paul Yeo: And you need to change. Yup. It's really up to them to come and correct. Hey, actually, I'm ready for change 

[00:20:45] Chris Furlong: now. And yeah, it comes down to that application, I guess when you, when you multiply application or action or taking the steps and time, that's when you're going to see the change, because you're right.

[00:20:55] Chris Furlong: You know, we can all want change, but unless you do something about it and change will never come, right? Like it's, it's, you know. Yeah, exactly. It's, it's a lot of talk, but action always speaks louder than, than, than words. Right. And I think that's, that's very true, you know? Yes. Time is the big factor, but really it's the application across the time because it's, you know, for me, you know, as a runner, you know, when did you first start running?

[00:21:17] Chris Furlong: You know, it's going to take me a good, long period of time, 20 weeks, you know, maybe 30 weeks, 40 weeks to get to a position where I could run a distance comfortably. Right. I can't just do that overnight. And it's, you know, it's building up the strength, the consistency, the ability to. Stamina and endurance, and it's the same with money.

[00:21:36] Chris Furlong: It's like, okay, maybe you're investing a hundred dollars a month over time. You're getting into this healthy habit. And then you're able to start to apply more because maybe you've been able to save more or you know, more income stream. And it's applying it over over time with a healthy habits. I want, I want to dive into this more, which is around the whole, and we've kind of alluded to around the spectrums of, you know, how you've got people that have, I guess, little to no understanding of finances.

[00:22:02] Chris Furlong: And then you've got the people that kind of want to dive into, you know, This world of, you know, get rich quick and, you know, there's so much hype and so much to the left and right wings of this at the moment. And I guess what I kind of want to ask you is, you know, one, why do you think we've gotten to this situation where you've got people on a hype train of you've got crypto, you've got people trying to get into stocks.

[00:22:25] Chris Furlong: You've got a young generation talking about, you know, if you start saving for the next 20 years, you know, you'll be a millionaire by your 40 or, or, you know, by the time you retire. And then you've got the people which are stuck in this generational, I guess, mindset of like, I dunno if we just do this, we don't have to worry about investing.

[00:22:42] Chris Furlong: Um, then we will be able to build, build wealth. So we are kind of stuck in this, this zone where you've got all these people over here, all these people over here, but no, one's kind of doing a bit of both. Like, can we, can we chat about that for a bit? Yeah, 

[00:22:56] Paul Yeo: yeah. A hundred percent herbicide. So remember I, I mentioned, uh, you know, like we're growing up that people surround.

[00:23:03] Paul Yeo: It's really the people who we, we are surrounded by either by choice or, well, it's always a choice, right? Uh, by choice consciously or unconsciously. Yeah. Um, and, and this is the thing, right? Uh, a lot of people are surrounded by people around them, unconsciously. Yeah, that's true. They, they might have friends from school for example, and they carried on the friendship throughout school and say, for example, if they were lucky, this group of friends were really innovative.

[00:23:36] Paul Yeo: They're entrepreneurial. They want to go places. Right. And guess what, if you're, you're part of that group, you're going to be influenced by them too, to be that way. And on the other end, if you have friends that, you know, every weekend is all about drinking and, you know, getting drunk, partying, you know, and blowing all your.

[00:23:59] Paul Yeo: And guess what you got, you're going to start doing that. Yeah, because the day, so how we consciously choose our peer group would be number one, uh, to, to explain, you know, why there are some millennials that are, you know, doing all this, that, um, the, the other part is intention. So I told you before this call here, um, I was in, in a call with some people in the pointy end of crypto.

[00:24:24] Paul Yeo: Yup. And it's amazing because these people do not need to work ever in their life. They are worth by hundreds of millions of dollars. So why are they in crypto right now? Yeah. And this is the one thing I learned, um, is not what you like people do. Right. It's, it's how they think. Yeah, that's important. So, and that comes to intention.

[00:24:52] Paul Yeo: So when, when I, I, when I heard them speak. I see that their intention was to see, you know, how far can we push this in terms of the technology? Because they, they, they were, you know, back in the day you call them the gates, right? Yeah. Um, yeah, they grew up as being labeled the geeks. And now, you know, in this world of technology, they're, they're the foreigners.

[00:25:19] Paul Yeo: Yeah. The people that are looking at, okay, what are the applications? What for the applications are there? And they're also looking at, uh, crypto mining and, you know, doing things in south America. Yep. Literally building, uh, mining facilities to mine, crypto using renewable energy. So that's, that's a part of them.

[00:25:40] Paul Yeo: That's solving a problem on the energy consumption with, uh, we got some money. So, um, yeah. It is, it, is that the intention? So yeah, mentality. Absolutely. Absolutely. So a lot of people going into that. No, get, get rich, quick schemes, right? Or wanting to get rich really quickly. If you look at what the intentions are, you'll find that the intentions, a lot of times it's nothing to do with money.

[00:26:09] Paul Yeo: It could be, they might be in a shitty job right now. Yeah. And all they want is out there and the way they can get out from this is to get rich. Yeah. But see, they're not, they're not addressing the real problem. That's true. Yeah. And this, this is where this is where people go in and literally they get.

[00:26:33] Chris Furlong: Yeah. That's yeah. If I just, yeah, I just want to address something. So like, I guess what we're alluding to is, you know, this idea of being breached, you know, lots of cash, you're stacked with cash, you can kind of do anything you want, but I think it really comes down to a lifestyle because, you know, one person's understanding of rich might be a hundred thousand dollars, you know, and that, that would be game changing for many people that would be a life changing amount of money, but it's then how you leverage and how you apply that a hundred thousand dollars, because that doesn't necessarily mean you never work another day in your life.

[00:27:05] Chris Furlong: It might just get you out of a, a mortgage. It might get you the ability to pay offs, whatever it may be. Right. Everyone's circumstances are so broad, but then there's this mentality of, of riches. Like what. Oh, I don't want to have to work another day in my life, which means I need to be having an income coming in of, you know, 40 to 60, maybe even higher thousand dollars per year.

[00:27:26] Chris Furlong: So really they need to be, you know, they need to have a nice lump sum of $2 million before they can start to make any big drastic change into their life. And I think it really does come back to that mentality and understanding and intent of w w what is rich even mean and what are you even applying the money for?

[00:27:44] Chris Furlong: Because there's, you know, I know there's a, I'm probably making it up, but, you know, there's that, there's that statistic around, you know, how many percentage of the people that win the lottery end up being worse off than what they were before they won it, or, you know, they ended up losing it all within how many years, and it's because they don't know how to manage it.

[00:28:02] Chris Furlong: They don't have the mentality, they didn't have any intent. Um, and it's, it's overwhelming. It's kind of like when success hits. Quickly, like if you're starting a small business and then all of a sudden you're inundated with a thousand customers yet you've only been managing 10, that that's, that's an overwhelming experience.

[00:28:19] Chris Furlong: You don't know how to handle it. And the business probably flops because it can't keep up crashes, people aren't happy. So, you know, whatever, whatever reason it's the same with money, you get too much, you're overwhelmed with it. So you spend it or you, you try, or we can blow it on this. I will buy that new car.

[00:28:34] Chris Furlong: Um, and unless you know how to manage it, handle it, I guess, digest it then really it's, it's not really the right thing to go about of just getting lots of money really quickly because money doesn't solve all your problems. 

[00:28:47] Paul Yeo: Um, and what you say is exactly right. There's so many people out there, uh, coming to inheritance, even not just a lotteries heritance.

[00:28:56] Paul Yeo: Um, in, in my days, in my early days, I actually met a young man in his twenties and his father passed away. Uh, luckily had life insurance. Pass him about $700,000, a young 20 something year old. He could set himself up. Um, he, he was the banker. I should say. You better go see a financial planner. Uh, then he didn't do that.

[00:29:24] Paul Yeo: He waited two years and he blew $400,000 in two years. And he came back with whatever's leftover almost in tears. And as he's saying, I really need to do something. Yeah. I spoke to him and then guess what he did. He did think about it. He didn't do it. Yeah, probably when I never spoke to him again after that, because I moved across to another bank and yeah, my guess is he probably blew 

[00:29:56] Chris Furlong: it all and it really does come back to.

[00:29:59] Chris Furlong: Um, mentality ways of doing things or habits. And, you know, it's not to put the blame on the way we were brought up, but you know, there is, it's like with anything that we do, it's those bad habits that you pick up, you know, when you're young, from what you've seen, you know, you're influenced by TV, you're influenced by social media, you're influenced by other people.

[00:30:17] Chris Furlong: Um, and it's not that it's right or wrong, you know, because obviously if you're, if we use parents as an example of teaching you how to save or teaching you how to manage your mind, They're not doing it because they think what they're doing it because it's the best that they know. Right. They're not trying to make your life any more miserable.

[00:30:34] Chris Furlong: They're trying the best because that's, they can only teach what they know. You don't know what you don't know. Right. So I can understand how that generational thing feeds through. And, you know, you end up doing it this way because you don't know it any other way. And I guess that kind of leads me to my next point around well, finance, it comes across as very complex, especially, you know, the media breaks it out that, you know, in order to do this, you need to save this and they try and break it down and make it seem really easy.

[00:31:00] Chris Furlong: But it's a complex conversation, which. It's scary. And I know there's another quote or some people say that people are more scared about talking around their finances than they are talking about sex, because it's, you know, it's, it's one of those touchy subjects because you know, the, maybe they're in debt or they've got too much credit card debt, or maybe they don't have any savings and it can, it kinda diminishes you down to this.

[00:31:23] Chris Furlong: Oh, you know, you've only got a thousand dollars to your name, but. Thinking about how you, we, maybe we have these generational pass-throughs or we have these educational gaps, or there's the situations where people just have been breezing through and don't even realize what they're doing. How can we start to change is how can we simplify the complexity around finance?

[00:31:47] Chris Furlong: And I know there's probably multiple ways we can look at this, you know, whether it's, you know, whether you're a teenager graduating from high school or maybe you're a young adult and you're, you know, you're just about to start your career. Um, and then you've got the people such as, you know, midlife crisis where they're having a career change or they've realized they want a lifestyle change, but then you've got people all the way up to the end where they realize they're about to retire and they've got no money or, you know, they need, they need some money to be able to make that financial different.

[00:32:15] Chris Furlong: So how, and I know this is a very, very broad question, but how can we start to simplify it across these different areas in life? 

[00:32:24] Paul Yeo: So before we even go to the. Uh, I believe taking a step back, you have us. And, uh, because as, as human beings, right, we, uh, we are creatures of habits and we're also creatures of, uh, shortcuts because we get bombarded with so much information.

[00:32:42] Paul Yeo: Like you say, the thing is we can only take in a very small portion of information at one time. Yeah. Yeah. So, because of that, because of that, we will, uh, we will take shortcuts, we will take shortcuts and we will, um, apply rule of thumbs or, um, in the, in this world they call it heuristics, right? Yep. So it's to actually come back and examine all these rules of thumbs that we have.

[00:33:12] Paul Yeo: Okay. Because the reason why I didn't go into finance straight away, I used to think money was difficult. So when I was doing science, I used to think money was difficult. And the reason why I got into science in the first place is because in at least in Australia, you need a, a higher auntie school to go into science as you would into business.

[00:33:34] Paul Yeo: Yep. So I must say, is this my arrogance to say I at the time? Well, firstly, I pride myself as a science student cause I did biology, physics and chemistry. Yeah. And I did really well. Um, you know, for my VC or around Australia is called HSC. Right? Yep. Um, so did really well. I, I got into the nineties for my entire school and I go, why would I do business with, you know, the, and this endoscope could be as low as 70, right.

[00:34:05] Paul Yeo: Why, why do that, you know, dumb people do that. Right? That was me. It was so arrogant. Um, and my sister, my youngest sister, she is very good at talking to people. So for her hers. Is the, you know, the personal one-on-one lunch is her strength and that's why she did so well in the big four. She is doing really well.

[00:34:28] Paul Yeo: She's in London now. Um, and her and the skull was like eighties. Yeah. And they go, yeah, of course. You know, we kind of saw that coming, you know, kind of terrible, terrible. Um, well, yeah, 

[00:34:43] Chris Furlong: I know 

[00:34:44] Paul Yeo: the judgment. I always, I was really like, so immature back then. And, um, and when she got in the business, you know, and she goes, wow, she could actually pass this.

[00:34:54] Paul Yeo: I thought to myself, that's what I said. Now, if she could do it, I could do it. Yeah. And that really was kind of the catalyst. So I'm grateful for that, you know? And when she watched it, she probably be laughing right now. Um, and I'm sure they fought with this video to her. Um, yeah. Uh, that was a catalyst because I really thought to myself, actually, this isn't hot.

[00:35:20] Paul Yeo: So I embodied. So before the, I am embodied myself as a science student, I'm still a student of science that that will never change. So I embodied the identity of saying, um, of saying, look, you know, there are people out there that has worked this out. Yeah. You don't need to be a genius to understand money.

[00:35:39] Paul Yeo: Very true. Right. So just, just embodying that identity helped me a lot because I went to uni my first year, I did two subjects just to go, let's ease my way in, get used to this. By my second semester, I was teaching kids, corporate finance kids that has already, I call them kids because I was older. Right. I was a few years older.

[00:36:08] Paul Yeo: Um, they graduated the bachelor's master's yeah. Yeah, because with, with a science, with a degree bachelor degree, Jump straight to master's they did a bachelor degree in, in business. Right. So they've already covered these things and I am teaching them in my second semester. Corporate finance. Yeah. So I'm not saying this because to say that I'm a smarter or anything yeah.

[00:36:35] Paul Yeo: Saying is because I believe if you believe that you're not good at maths, you're not good at money. Yeah. Then that becomes your reality. Yeah, that's true. Yep. So how then can, can someone learn, well, first change that identity of yours. Yeah. Now become somebody else. And, and this is one thing growing up. I have, I have good group of friends, right.

[00:36:59] Paul Yeo: I mean, they're good friends. Uh, they were there for me, uh, when. Wait, when, when you know, I was, I was here by myself. My mom was overseas, you know, eventually my sister moved overseas. So I was here by myself. I had good friends that, that helped me. Um, but one thing that they said that was really disempowering was don't ever change.

[00:37:19] Paul Yeo: Yeah. Okay. Right. Don't ever change or, you know, oh, you've changed. You know, like if I'm doing something a bit different or you've changed kind of in a way, I won't say bullied, but it's kinda make you feel little about doing something different. So you kinda like yo you're in this, you're in this hurt.

[00:37:35] Paul Yeo: You're in this little trial. And you started doing something different and then the truck pulls you back in. Yeah. So that's why I say like who you spend time with and it's 

[00:37:44] Chris Furlong: that peer pressure mentality. And it's not that you're doing anything wrong, but you're doing something of difference to that group.

[00:37:52] Chris Furlong: Um, and because what they know is what they feel is right, or the better way to do it, when you starting to, you know, be an outlier, it makes them uncomfortable because maybe they want the best for you, or they think Arno back that can't work. And, you know, obviously there's a lot of this kind of mentality with everything that's happening in the world with the pandemic as well.

[00:38:11] Chris Furlong: Um, but I can totally understand that we have a financial situation as well, because, you know, as, as we've been brought up in a certain way or who you surround. You know, w people's, you know, mentality around getting a loan or taking a mortgage, you know, a lot of people look at it as something negative when you can actually use it as something, as a positive to leverage your way to do more, or, you know, access to different opportunities.

[00:38:34] Chris Furlong: But how you've been brought up around that perspective will change the way you execute. It's the same with the share portfolios or same with crypto now these days, or getting into the world of NFTs, which was a whole new ball game. And it is, it's scary because it's new, it's different. It's we don't know much about it.

[00:38:51] Chris Furlong: So therefore, okay. Cause we don't know, therefore it must be hands-off maybe we shouldn't be touching on it because you don't know what you don't know. So it's like, okay, well we won't, we won't, but if you educate yourself, if you take the steps to get practical with it, well, then you can be opened up to this world.

[00:39:07] Chris Furlong: Um, and it it's it's. It's so funny how we're so I guess, so w we're such dictators to ourself and saying, no, this must be right, but you know, we're not willing to invest 50 hours on researching into a topic because if you spent 50 hours, you know, you'd be changing your perspective of that. Whatever that context is, let's say, if it was around crypto and NFTs, spend 50 hours learning it, all of a sudden it's going to be a game changer potentially for your understanding and how you go apply yourself into the financial world.

[00:39:38] Chris Furlong: Whereas not spending that 50 hours and just sticking to your guns and being, you know, whether it's arrogance or pride or trusting what you think you know is the best way. Nothing will change, right? Because you're not letting anything new into it. Right. It's like even having conversations like this, if you're not willing to have a conversation to learn, to hear something out, not even if it's around financial, um, you know, things in the world, but just anything you can never be open to, to change, you can never be open to having something fresh or a fresh perspective.

[00:40:08] Chris Furlong: Um, and it's, it's a bit sad that usually it does that you, you said earlier that it takes someone dying or it takes a big event or in this case, a pandemic for people to realize that they want to take a change. Right. I mean, that, that's what forced me to start this podcast in the first place was realizing, you know, we're in the middle of a pandemic working from home, you know, working 50 hour weeks.

[00:40:28] Chris Furlong: And it's like, there has to be more to this that, you know, I'd rather do something for myself and you know, which, you know, I'm totally so grateful that I was able to get that perspective from that situation. But that in itself takes self-awareness it takes guts. It takes. I actually have to still take the action to do it, you know, step away from a job and take action.

[00:40:48] Chris Furlong: So really, really from what I'm taking is it's like, well, it really does come down to an individual regardless of what they've been educated or how they've been brought up. If they want something that needs to be willing to learn, educate, take action, and be open to, to, you know, getting uncomfortable before they can get into a new comfort zone.

[00:41:10] Paul Yeo: Yeah, yeah. A hundred percent, one 

[00:41:13] Chris Furlong: sounds simple, but it's not like 

[00:41:16] Paul Yeo: it yet. Conceptually. It is simple. Yeah. And really the steps are simple because it's, it's, it's those baby steps. It's those little habits or micro habits that we're building toward. It, it, yeah. Um, yeah, one thing I do want to add because, um, you know, uh, really, really sort of that underlying thing, you know, you talk about, you know, taking a chance for yourself and, you know, like in your.

[00:41:42] Paul Yeo: Uh, taking a chance on yourself. Um, really a lot of people in this world, and this is my, has been my observation throughout, throughout the years. Right. Yeah. Um, cause apart from working in, in advice, I also worked in the call center before that. Yeah. Okay. Taking inbound calls with the advice, pies, outbound, outbound calls.

[00:42:06] Paul Yeo: So I did both. Um, and uh, before that I also worked in the casino. Oh, okay. Well just find a time. So I've, I've done a lot of different things and I seen a lot of different people and somehow customer service has always come back to, to me. Um, I see a lot of people people's drivers are fear. Yeah. And if you, even, if you look at the media, fear is.

[00:42:32] Paul Yeo: Driven by fear. Yep. And that's because fear sells, right. That's why media place it and the things we get conditioned with fears. And whenever we make a decision, even if you say those people who want to make money fast. Yeah. Underlyingly, if you, if you really broke it down, the intention is driven by some sort of fear.

[00:42:55] Paul Yeo: Yeah. And in the, in the wise words of Tony Robbins, but anything that you do because of you, it's never the right decision. Yeah. Yeah. That's, that's what I started to realize. And, and when you, you, you mentioned before about their self-awareness, it's great to actually come back and reflect on your behaviors.

[00:43:20] Paul Yeo: Right. As in your spending behaviors or maybe a budgeting or saving behaviors or your investing behaviors, buying behaviors, then ask yourself, am I. Am I doing this because of fear, for example, you know, um, Maka pens. I use that as an example, cause I bought marker pens when they went half price. Again, don't even need marker pens.

[00:43:42] Paul Yeo: Right. But they will have price. Why? Because the field, because tomorrow is going to go up again to full price. Yeah. So that was a scarcity mentality that I had that I realized. Okay. Well, and, and the thing is how, how you think about, uh, things such as this could also be the same patterns when you think about bigger things.

[00:44:07] Paul Yeo: Yeah. So these are small things and bigger things. And then that could five. Yeah. 

[00:44:12] Chris Furlong: It's like, you know, it's kind of like, you know, like how the, the butterfly effect is about, you know, it might have big ripple effects, other sites around the world, it's the same with your life. It's like how something so small, which you think is harmless.

[00:44:23] Chris Furlong: Like, you know, you buying markers because you know, you're worried that there'll be full price the next day. You know, when you apply that to something around, you know, your investment or your retirement or your, your future planning and you know how you're trying to think about the now, and you're not thinking about the longterm or, you know, you're, you know, enjoying it.

[00:44:41] Chris Furlong: Look, I'm not saying you shouldn't enjoy the moment and enjoy each day as it comes, but there's levels of thinking that you should put into play of. Okay, well, where do I want to be in the next five years, right. Or where do I want to be in the next two years? Or where do I even want to be at the end of the year?

[00:44:55] Chris Furlong: Um, and putting things in play to enable you to, to take those steps, right? And it's not just about finances, it's around anything, but you're right. If we, if we have those mentalities where you're not even thinking about that, well then of course things are going to stay stagnant, things aren't going to change and things aren't going to evolve.

[00:45:11] Chris Furlong: And you start to realize how many of these little things that we're doing, how much of a bigger impact they're having. A longer period of time, or even that we're influencing to other people, our peers, our family, our friends, our loved ones. And like, I'm not trying to overwhelm anyone with saying, you know what you're thinking is wrong, but you're right.

[00:45:31] Chris Furlong: Self-awareness, it's it's, and it's easier said than done to be able to look back. And I mean, hindsight is a perfect way to be able to look back and realize what you've done is maybe not the best decision, but hindsight's only good if you decide to make a change now for the future. Right. It's kinda like, you know, the best time to plant a tree was 20 years ago or today.

[00:45:52] Chris Furlong: Right. You know, it's, it's, it's the same with investing the best time to invest. You know, people say, oh, are only on invested 20 years ago. I'd be a millionaire and outright. It's like, we'll invest now. And in 20 years you potentially be a millionaire. Right. But that, that 20 year. Forward thinking is, is hard to digest.

[00:46:08] Chris Furlong: But of course, if I'd done it 20 years ago, it'd be a millionaire. It's like, yeah, look at me. I could have been big, but, but you're not because you didn't do it. So today it's spent, you know, I think so. That's why hindsight's really great. Only if you leverage it because you know, that's, that's, it's, it's beautiful because you can think, oh yeah, all the possibilities.

[00:46:26] Chris Furlong: But imagine if we actually took the action on those things, uh, on that hindsight understanding or self-awareness and how, how much we could be of a better individual. I know it's so cliche, but it's so true. 

[00:46:40] Paul Yeo: It's so true. It's so true. And this is another mistake that a lot of people do as well. One day when they reflect back on the past, and I've actually seen that in action reflect by in the past and they start beating themselves up.

[00:46:52] Paul Yeo: Yeah. They start saying, oh, I'm so stupid. And this and that. And guess what? That's that affirmation that, you know, I'm stupid. 

[00:47:03] Chris Furlong: Um, what's your speaking over to yourself and you're right, because, and it's not not to say that, you know, if you just start saying you're a millionaire, you're going to be a millionaire tomorrow.

[00:47:12] Chris Furlong: But if you're not putting yourself into a position where you're uplifting that you're working towards and being positive, well then of course, you're going to be putting all this energy into these places and that's all you're going to see. It's the same mentality around when you, um, when you go out and buy a car and you know, maybe it's a red Subaru after you've purchased the car.

[00:47:30] Chris Furlong: You see that red Subaru everywhere. And you think has everyone, all of a sudden just started buying the same car? No, it was always there, but now, because it's more evident to you, you see it more evidently and it's the same thinking around negative and positive thinking, right? If you're always, you know, the negative Nancy or the yeah.

[00:47:47] Chris Furlong: Whatever, if you want to be one of those people, then that's, that's all you're going to see. And I guess that's what you can do around your life. Whereas if you're the opposite, not saying bad things won't happen, but you'll see more positive things. You'll be able to reach more positive things and, um, you'll have a positive influence to others and be influenced by other positive things.

[00:48:07] Chris Furlong: It's just, it it's, it's so simple on paper. It really is. 

[00:48:12] Paul Yeo: Yeah. Yeah. Yeah. And even if bad things does happen to you at the time, you might not be, might not be a good feeling. You might curse at a time. You could actually turn that around and say, well, what a gift that was. Yeah. And 

[00:48:27] Chris Furlong: you can work through it.

[00:48:28] Chris Furlong: You can have a different perspective. You can, I guess, handle it differently or better than you would have potentially if you were in that negative state of mind. Um, because you know, not everything. It's the end of the world, you know, there's problems that are out of our control. And then there's problems that we did have our own, you know, because we made a decision and then there's problems, which, you know, once again, they're completely out of our control and you trying to change them and trying to control them.

[00:48:54] Chris Furlong: It's a waste of energy. It's like, okay, how do I work around it? How do I continue on the path that I'm going towards with that, that I just have to get around as an obstacle. And I think if we all just use obstacles as the excuses and stop and thinking on our conduit, it's not capable. Well, then you can't come and say that, you know, nothing's going to work because if you're not trying well, of course nothing's going to work.

[00:49:17] Chris Furlong: Um, I get very passionate about this. It's like when it comes down to goals and action, you know, people tell me can't do anything. And it's like, well, what have you done today? That's gotten you closer to your goals or nothing. You can't complain then, you know, you can complain, but the only thing that's stopping you is yourself.

[00:49:33] Chris Furlong: Um, and not, not trying to be harsh for people, but that's the reality that it is, um, a hundred percent. So with all this, and, you know, we've been leading up to, you know, you touched on all your, all your past and what you've been doing and now what you are doing and you know, your really, and I'll let you kind of talk a bit more about what you are doing now, but at the end of the day, you're now focusing on helping people navigating their financial game and, you know, getting ahead in their, their finances or getting into a stable position.

[00:50:03] Chris Furlong: That's that's where you come in now. Right? You've gone through this process of understanding how people think you've been in the situation of, um, you know, helping people make, you know, maybe better decisions or giving them the advice of what steps they need to take, which was more of that one-off advice.

[00:50:17] Chris Furlong: And you move on. But, but now you're trying to help people on a more ongoing basis as a coaching program. Um, or as, as a system, I guess, but let let's, let's dive into that a bit. So what are you actually doing now? And then at a high level, maybe you can explain some of the tips or some of the benefits by doing it this way, how that, how that can help people.

[00:50:36] Paul Yeo: Yeah, for sure. For sure. So, um, so before I go that one to share with you, the reason why I left financial planning, and one of the biggest challenges I found is, you know, yes, you can give them one of advice and you can give them ongoing advice. Yeah. The problem with the ongoing advice, um, likes structure of this, and it's probably because it was a structured.

[00:51:02] Paul Yeo: Um, that we carried from the banks across to the new business, right. Uh, was seeing a client once, maybe twice a year for review and in between this kind of maybe some communications here and there, but nothing, nothing big. The thing is in order to I, and this is when I went into personal development. And I know if I compare myself two years, three years ago, like I, I was a different man than I am today.

[00:51:33] Paul Yeo: And I know that tomorrow I'm going to be a different man again. And I will constantly be changing who I am and who I want to be. And for my clients that I saw over the years, sometimes there's no change at all. And it's kind of, for me, I want them to be in the journey with me. Yeah. I don't want to be the one going.

[00:51:59] Paul Yeo: And then they stay in the same because we're not addressing really what the key issues are. And as a financial advisor, that's not really a role anyway. Yeah. And to change their mindsets around money. Again, it's not really that role anyway. I mean, it can be, yeah, this is the thing. And I can see the transformation in the industry for some of the leaders in financial planning to actually start taking note of what coaches do.

[00:52:32] Paul Yeo: Yeah. And start changing client mindsets. The thing with that sort of work is the work is not, I'll see you once a year. It's like saying, Hey, you know, I'll just mow my lawns once and I'm sweet for the rest of the year. Right? Yeah. It doesn't work that 

[00:52:50] Chris Furlong: way. Trimming. You've got to do the maintenance. Yeah. 

[00:52:53] Paul Yeo: He gotta be in front of them.

[00:52:54] Paul Yeo: You gotta be in front of them because once one state we call them breakthroughs, right. They break through a certain barrier that they have limiting belief, limiting decisions that they have, then it's time now for them to operate to the next level, to the next level, to the next level today. And it's an ongoing process.

[00:53:10] Paul Yeo: So with what, with my decision to come across the coaching is really to help my clients be that because even I'll tell you right now, like even when I first started, I have a coach. In fact, I have several coaches now. Yeah. Um, but when I started, I had a business coach and that coach of mine sits if, if I were a financial planner and he was a, uh, a client of mine, he was sitting in the, uh, private client.

[00:53:39] Paul Yeo: Right. Okay. As in private banking client, they, the people who are worth, you know, minimum to two mil net, net worth. That's where he was sitting and the strategies, he would be a sophisticated investor or considered a sophisticated investor and can tap into investments that not day-to-day people can, can tap into.

[00:54:03] Paul Yeo: So that's, that's the Strada coming in. I didn't see myself as that. I saw myself as somebody who is, you know, working class, middle class. Yeah. Because that's what I've been brought up with. And as I go along the journey and being in masterminds, um, through his program and his mentoring, I started to see myself in a very different light to the point.

[00:54:30] Paul Yeo: Now I'm seeing myself as, yeah. Why can't I be that private banking client. So that elevation of thought and identity of myself has gone up. And that's what I want for my class. Yeah. I want every single client that I work with to achieve what they want to achieve. Ultimately, most people want what they really want is a financial freedom.

[00:54:56] Paul Yeo: Yeah. And it's not really because of the finances is because that gives them choice, like true freedom and choice to do whatever they are really passionate about. And I know that when they reach to that point and that's what I always thought, you know, I've got a financial freedom, uh, strategy. Um, I'll come in, invest my money, get it to a point you say, you know, 50, $60,000 a year and I'm sweet.

[00:55:26] Paul Yeo: I can now, you know, watch Netflix every day. The truth is it doesn't happen that way. The truth is when, when people actually get to that point where they're financially free, then they will see what is the next. Yeah, how can I serve more? Because inherently as human beings, that's what we want to do. We want to help other human beings 

[00:55:49] Chris Furlong: and that's how you evolve and you change and your priorities change.

[00:55:52] Chris Furlong: And what you know now, based on, you know, if you are earning $60,000, a hundred thousand dollars a year, and now all of a sudden, if you're, you know, you've got, you're worth 10 X, that your whole perspective changes on everything, the opportunities are different. And I'm not here to say that that's better than anyone else's life, but it's with any circumstance.

[00:56:11] Chris Furlong: It's like, if you're living in a small apartment, or if you're living in a house with a backyard, your opportunity changes, you can get a dog, you can grow your veggies, everything changes. And I think for people to think that all of a sudden that when you get there, you won't want to work again, or you won't want this.

[00:56:25] Chris Furlong: You won't have to, but you're right. We as humans, we will always want to be doing something more. We always wanting to be chasing, or we want to be sharing or serving. That's just, that's just who we are. 

[00:56:38] Paul Yeo: And a hundred percent, a hundred percent. And this is, this is what I want to take my clients through, into that journey for them to get into that point of financial freedom.

[00:56:50] Paul Yeo: And once they have that financial freedom to, for them to discover, and they would probably discover before even hitting financial freedom, they would probably discover their purpose. Yeah. As to, you know, why am I placed here on earth? And ultimately a lot of us are asking the question. Um, but some of us aren't because we're being brainwashed by the media brainwashed by governments very much by saying you have to retire at 65.

[00:57:17] Paul Yeo: Yeah. Yeah. And that was what you not remember when I was at uni retirement income streams. Yep. That was age 65. 

[00:57:26] Chris Furlong: Yeah. Uh, it's and now, now it's on, they're getting higher and higher. Right. You know, it's like, but it is it's, it's that mentality that that's, I guess really pushed into our mindsets from a young age and, and it's, it's pretty consistent across the globe, I guess, but in different areas, you'll learn different things and how it's represented and how it's presented.

[00:57:46] Chris Furlong: But yeah, in Australia it is, it's literally like, it's like, you know, the whole Dollarmites when you, you know, from CommBank, when I growing up and you know, it teaches you to put this money in, but as soon as I turned 16 or 18, I'm getting a slip in the, in the mail for, oh, you know, sign up for your first credit card, you can do all this, you can buy all that.

[00:58:03] Chris Furlong: And it's like, oh, you know, but like, unless someone's there to tell you, like, you know, this is bad or, you know, what does this actually mean? What's the, I guess the consequences, if you don't do this and you know, that mentality, isn't it, it is a lot more spoken about now. I know that, but it's yeah. Over 15, 20 years of that, understanding when someone says.

[00:58:25] Chris Furlong: Differently. You're like, what the heck, you're wrong? Because you know, you've got 20 years of experience that, you know, this is the right way, and this is the best way, and this is how everyone else is doing it. So it must be right. Um, but, uh, it's not the, the coaching. I love that. How you've expressed that, you know, you want people to come along for a journey with you and, and help elevate them.

[00:58:45] Chris Furlong: And you're right, because. You know, I think people get this, um, I guess this bitter taste towards people. If, if they're giving you advice yet they're not growing, but you're getting better. They'll be thinking what's this guy doing, he's just taking all my money. Um, but once again, that that's not your, that's not your fault.

[00:59:01] Chris Furlong: If they're not applying themselves, they're not doing the work and you're right. Having that coaching, one-on-one it, it kind of puts, it makes them feel like you've got more skin in the game as well. But not that it's about having skin in the game, but you're on a journey together. It feels like we're on a drive together where it way we're doing this together.

[00:59:17] Chris Furlong: And there's a bit more, I guess, love and integrity there, which I think, um, if anyone's trying to, you know, change with whether it's financially or anything, having a coach and someone there to keep you honest or a mentor, it's always going to be. You know, more, um, aggressive in terms of achieving your goals because that accountability, you know, we don't like showing up empty handed and saying, you know, I haven't done it because of that disappointment, not to them, but to yourself.

[00:59:42] Chris Furlong: So I think that accountability factor would be, uh, would be a huge piece to play at this as well. 

[00:59:48] Paul Yeo: Well, yeah. Um, and the thing about accountability is the accountability is to themselves. So, and, and I admit here I'm selective in who I work with because there are, there are really two types of people when it comes to this space.

[01:00:06] Paul Yeo: There are people who want to change. And there are people who want to want to change. I'm looking for those who want to change. Yeah. 

[01:00:14] Chris Furlong: Yeah, no, I totally agree. And that's, it really does come down to the individual that is willing it's it comes down to that willingness, right? Because you're right. There's people that want to change and want to want to change, but unless you're willing to do the work because you're not providing the change, you're providing the steps, you providing the support, the framework, the structure, whatever it may be.

[01:00:34] Chris Furlong: But you know, all you're doing is showing up, putting your hand up and saying, I'm here to help. Whereas you're not doing any of the work you're giving the support, the, the, the approach. Um, but if they're not putting in the steps, if they're not trimming their lawns, it's going to get out of hand and then you're going to have to pay the big bucks to get it fixed or clean up a mess, or do a lot of hard work to, to clean up your back loans.

[01:00:56] Chris Furlong: Right. Because it hasn't been mowed or it hasn't been managed and it's. Simple principle. Um, and it kind of comes back to atomic habits. You know, the, the book from James clear, right. You know, putting in small things on a regular basis to ensure that you're going to get there right. Or doing 1% better every, every day gets you to like scent better by the end of the year, the point is, if you're doing, you know, that small progression over a long period of time, little bites at a time, you're going to get there a lot quicker and it's going to compound a lot quicker.

[01:01:26] Chris Furlong: I'm not just talking financially, I'm talking in general. Um, and that's, that's really what your intent is to enable people to do from your coaching perspective, correct? 

[01:01:36] Paul Yeo: Yeah. Yeah. A hundred percent, a hundred percent. I believe that everyone, everyone out here right now is look, if you're living in Australia, especially, definitely via you live in the U S um, financial freedom is five to seven years away, 10 years to be conservative.

[01:01:52] Paul Yeo: Okay. So within 10 years, anyone can be financially free. Wow. That, that is the truth. The hot truth, the reason why a lot of people don't get that is sometimes they're not willing to give up certain things. Yeah, that's true. The middle east. So they'll stay stuck there longer and look, if it's ultimately decisions that they want to make.

[01:02:16] Chris Furlong: Yeah. And, um, what, what, what's, what's the name of your coaching program? Like what is it if people wanted to find out more what's it called or where can they go to, to see? 

[01:02:26] Paul Yeo: Yeah, so they can certainly connect with me directly on Facebook. Um, I have a YouTube channel, a little bit quiet crickets. Um, I'm going to put more content there.

[01:02:36] Paul Yeo: Of course. Uh, my, my focus has primarily been on Facebook. Um, so you can look me up. Polio is my name. Um, your wealth game plan is my business name. Okay. Look me up and 

[01:02:51] Chris Furlong: all this is in the show notes for anyone that's listening can go click on the links in and check it out. But I wanted to make sure people hear it from you.

[01:02:58] Chris Furlong: So, you know, they can, if they are driving or whatnot, they can, they can hear it. And look it up a bit later. Um, now before we do finish up, I do want to just dive into some random, rapid questions. Um, we've, we've covered, we've covered a lot in this episode and it's, it's quite, it can be quite aggressive when we talk about financials and, you know, getting goals and changing your life.

[01:03:17] Chris Furlong: But this is just to ease it up a little bit more and, and just help the audience, get to know you a little bit more in some of the different areas. Um, of course they are rapid fire questions. So if you can keep them short and sharp, that's great. But if you think there's some nuggets they're worth sharing, then you can, you can share as well.

[01:03:33] Chris Furlong: Um, the first one is a favorite book that you've read. 

[01:03:38] Paul Yeo: Oh, gosh, too many delays. Um, but yeah, actually, uh, the, the latest book I actually finished was, uh, James Clear's atomic habits. You just mentioned that, um, I am using that to build a productivity system for myself, for my business, which eventually I'm going to share with you.

[01:03:58] Paul Yeo: It's such a good 

[01:03:59] Chris Furlong: book and it's so simple and, and a lot of these things are, and it kind of comes back to, you know, when you are, I guess you, you come into more understanding about something that you didn't know and how it can be something so simple, how can it be such a big game changer for your life?

[01:04:13] Chris Furlong: Because you just didn't know it and you think, how did you not know it? Right. Like it's so simple, but it's the perspective or being taught or being educated in a new way. Um, it's a great book. It really is. I recommend it to anyone. Um, it's, it's so good. Right. Um, the next one is, and look, you know, there's probably heaps of these, but the biggest lesson that you have learned, or maybe the first one that comes to mind, 

[01:04:38] Paul Yeo: biggest lesson is to, and I never used to think, um, I'll never truly understand this is to surrender and let go.

[01:04:48] Paul Yeo: Um, and I'm talking about your, your ego, my ego, I'm talking about my. And the thing is you, you will notice, you will notice when something triggers you, that's your ego talking. And to question that some people just say, no, that's, that's not it, you know, and just walk away from it. I do question it to question.

[01:05:11] Paul Yeo: Okay. For what purpose was that set? You know, is that a reflection of me and how is that a reflection of me and what do I need to change? Because. Yeah. And 

[01:05:22] Chris Furlong: that that's hard. That's real like that. That's like, uh, entering into the self-awareness, but you have to really swallow pride to do that. And I like, when you said that, I'm thinking about the last time that I was triggered by something and I'm thinking, oh crap.

[01:05:35] Chris Furlong: Yeah, that's ego. And, but to go through that process, it's not, it's not easy. It's not easy at all. Um, I'm just, I'm just playing it through my head of how would I have done that differently? And it's like, it's, cringe-worthy because you really have to eat some humble pie and you know, whether you said something wrong to someone else or you, you know, said no to something because you just, you know, reacted too quickly, but that's some really good, um, yeah.

[01:05:59] Chris Furlong: Uh, thank 

[01:06:00] Paul Yeo: you for sharing and you will, you will know it because it's a physiological response. You could get a headache, you could cry. Yeah. You could get that sick feeling in the pit of your guts. It's a real feeling. That's when you know, Hey, you know, something. Yeah. 

[01:06:18] Chris Furlong: Wow. That's powerful stuff. Uh, favorite hobbies outside of coaching and finance 

[01:06:24] Paul Yeo: cycling.

[01:06:25] Paul Yeo: Yeah. It's got to be cycling. 

[01:06:27] Chris Furlong: You've been, you've been riding a lot. Is I saw you at the start of the year. Was it? Or is it the end of the year? You did like a 90, 90 K. It was the end of last year. Wasn't it think you did a 90 K ride. 

[01:06:38] Paul Yeo: Yep. Yep. I did a hundred and eighty nine one. 

[01:06:40] Chris Furlong: And maybe it was that one.

[01:06:41] Chris Furlong: Maybe it was that one. There was one that you did just recently, which was an out and back. I remember you telling me about it, which is just, just incredible. Um, it's not that that's good. Good stuff. Anything else? Aside from the cycling that you'd like to dabble in? 

[01:06:57] Paul Yeo: I love my kids. 

[01:06:58] Chris Furlong: Of course, raising kids, raising kids is 

[01:07:01] Paul Yeo: of course it's a hobby in its own because you have to get paid for it.

[01:07:05] Chris Furlong: That's great. That's good. A favorite TV show.

[01:07:11] Paul Yeo: Oh, Mo the latest one that I really enjoy and binge or five hours. At at two times YouTube speed. Of course. So is undercover bill in there, particularly with a grant Cardone cause 

[01:07:27] Chris Furlong: yeah, because there's a number of different of they've got different millionaires or billionaires doing it. Right. Um, okay.

[01:07:34] Chris Furlong: Okay. I haven't, I haven't seen the grand condo. I've seen a few snippets of different ones, but no, that's interesting. And that's a great way to learn it, changes, mindsets and gets it. I get a, I guess, a, um, a sneak peek of how they think and what they would do and why they did it. 

[01:07:47] Paul Yeo: And you got it. It is how they think it's not what they do.

[01:07:50] Paul Yeo: A lot of people out there. And that's why they say I'll invest in crypto. I'll invest in stocks, right. Is because they say, what are they doing? It's like, no, no, no, you missed the point. That is how they think what identity or who they need to be. So sorry, I'm going to digress here really quick. This is good men.

[01:08:10] Paul Yeo: You mentioned, you mentioned before people who win the lottery and all that, and the reason why they do not hold on to them. Or even some people might be really well. And I know people are, they're like that they're really, really good at bringing in money, bringing money in and, and three, four, $500,000 only to spend it all.

[01:08:30] Paul Yeo: Yeah. It's because they haven't adopted an identity of who they need to be. Yeah. To handle that sort of money. Yeah. And that comes with that, you know, the ego pot you're dealing with that surrendering and then upskilling learning. 

[01:08:50] Chris Furlong: It is it's it's, it's, uh, it's one of those things and they're the best way I can play it back is when you're overwhelmed with something, whether maybe a video goes viral and you know, all of a sudden you've got a hundred thousand people commenting on a video or the other way to look at it would be, um, if you had a small business and you're used to getting five orders, and then all of a sudden you get 500 it's overwhelming and you don't know how to handle it.

[01:09:13] Chris Furlong: And then you, it just, it's just a stressful, right? And it's like with money, but except it has this other little way of playing is like, you get the money, you think, ah, it's loads of it. It can do all this. And it gives you so much more pleasure. Um, so it's like the opposite to stress, but then it's worse because it just disappears even quicker.

[01:09:29] Chris Furlong: And then you get yourself in a sticky situation. So it, it really is. It's like a, it's like sinking sand in some sense. Right. Because it looks all good, but it just, 

[01:09:38] Paul Yeo: well, some people actually feel dirty after that. Yeah. 

[01:09:42] Chris Furlong: Oh yeah. Yeah. A hundred percent. I can understand that it's. You know, or like if you win something and other people in the room, didn't you think, oh, well, you know, why do I deserve this?

[01:09:51] Chris Furlong: Or you don't even appreciate, or you don't even understand or take ownership of it. Um, when, you know, of course, will you want it? They're fair and square, right? It's like, you know, you're entitled to it. 

[01:10:03] Paul Yeo: And, and the reason behind that, the biggest reason behind that is because they themselves have judgment of people with money.

[01:10:12] Paul Yeo: They have, they have negative judgment and have a really good question to ask is how is complaining? How is judging are this, or even judging yourself? How, how is that playing out in your life? Yeah, because I know so many people, even some people in some of my circles, um, they will see something and, you know, like for example, more recently, um, Djokovich right.

[01:10:39] Paul Yeo: Yep. That to us Australian open, like some people hate his guts. Yeah. But the thing is, do you know the guy? Yeah. You know, why you triggered by, you know, a nighttime, Australian open champion and feeling good about him not being able to enter the country. Yeah. It's like, hang on a second. It's like put some compassion rather than judgment because that judgment is coming out somewhere else.

[01:11:04] Paul Yeo: Yep. And that judgment is, you know, successful people, you know, they might have cheated their way here. Yeah, 

[01:11:11] Chris Furlong: it's true. And it. I mean w when our own shoes and it comes back to, we can only fathom or have empathy of what we know and what we've experienced, and unless you've been in that circumstance or willing to put yourself in that circumstance, it's hard to fathom and understand it.

[01:11:30] Chris Furlong: Um, and you wouldn't, you wouldn't be able to fathom being, you know, whatever nine time or seven time grand slam and having all this money, having P w whatever it is that fame or having that. Because you think, oh, they they've just, you know, maybe they've done some special deal and you know, that's what people jumped at.

[01:11:47] Chris Furlong: Oh, they must've done a deal under the, you know, and that's what we jumped to because that's what we expect or that's what we see, um, or hear, or what's shown to us. So it's, we're getting real deep here. It's true though. The perception of all this, and once again, you mentioned it earlier around, you know, the perception of how we look at money, the perception of how we've been brought up, but when you apply that to different things, subconsciously or unconsciously, we don't realize what it's actually doing and playing about to, to the rest of our lives or, you know, to other people and just how we interact.

[01:12:21] Chris Furlong: Yeah. 

[01:12:21] Paul Yeo: And I'll say that this, you know, like as long as you're holding on to that sort of belief about things like that, guess what, whenever you win the lottery, you will feel dirty because suddenly you are seen to be successful, that success equals being achieved. Yeah. And under the table deals. Yeah. I'm not that person.

[01:12:43] Paul Yeo: Yeah. But does it have to be that way? Yeah, that's true. 

[01:12:47] Chris Furlong: It's that cliche statement. We define what success is. Right. And usually we don't like, literally write it out, but it's ingrained in us mentally or psychologically. And you know, it's, what's the pressure that's been put onto us or whatever, some weird way we've interpreted it as, and you're right.

[01:13:04] Chris Furlong: You know, you get a million dollars, you think, oh, a million dollars is successful, but if you want it, yeah. You're going to think, oh, I'm a cheat because I didn't earn it. So I didn't, um, wow. It gets, it gets messy really quickly, but I can understand why, as, as I said before, it's a very complex conversation because it's messy and it can come across as dirty only because of the perception that we have of ourselves or of other people.

[01:13:28] Chris Furlong: Um, we're going to continue on otherwise, we'll get stuck on this for a long time. Um, uh, if you could have coffee with anyone, whether it's past or present, um, who and why. First 

[01:13:39] Paul Yeo: person that really comes to my mind right now because I'm a Catholic and that might trigger some people out there. Um, is Jesus.

[01:13:48] Paul Yeo: Okay? That's 

[01:13:48] Chris Furlong: good. Yeah. And, and why? 

[01:13:52] Paul Yeo: Oh, and why? Sorry. And why is because he was, if you follow the live or even, you know, look, if you see it as a non-religious and you see, see his life now, he was the one that challenge authority at the time. And he was the one that had compassion for those in the margins, you know, like, you know, uh, your prostitutes and, you know, your, uh, Samaritans and all of that.

[01:14:25] Paul Yeo: Right. So he is, he seemed to be the person that included everyone. And I think in, in this world, we. And, and even loving his enemies. Right? Yeah. And in this world, you can see where more and more right now, uh, segregating. Yeah. We have, you know, Vaxis and anti-vaxxers, and in fact, I knew, I know a lot of people who, you know, through science feel uncomfortable with the vaccine, but they're labeled anti-vaxxers.

[01:14:59] Paul Yeo: Yeah. So it's kind of creating a divide between, and even the U S you know, all the Trump and the non Trump's. 

[01:15:08] Chris Furlong: Yeah. It's, it's so true. It is. And look, it wasn't, it, wasn't what I expected. I mean, I didn't know what to expect, but, um, it's a really good answer. And I think it's, it opens people's eyes. Not because it was an unexpected answer, but it's so true.

[01:15:24] Chris Furlong: Right. And what, what that brings up of why you want to speak to him is because there'd be so much wisdom there of how to handling things. You're right. There's there's, I mean, the only way to really put it is in this day and age, there's just so much chaos, um, in one way or another. And, you know, I recently read the, um, the book 12 rules of life, um, by a Jordan Peterson patient.

[01:15:46] Chris Furlong: Yeah. And it's so good. And like, you know, it's very deep and you know, it's not something that you can just, you know, digest really quickly, but, um, there's a lot of perspective and understanding in there to help you see things differently. And you're right. I think Jesus would be able to, well, I mean, he's, he's the knower of all right.

[01:16:05] Chris Furlong: So of course he would be able to use our minds and, and give us that fresh perspective, but it would be him. It would be good to hear it in a, in a modern day world. Right. Because of not to say that there wasn't chaos, then there was, there was chaos, nothing's new under the sun. Right. But it's just helps bring this fresh perspective.

[01:16:20] Chris Furlong: And of course, um, if anyone is listening and whether you are a Christian or Catholic or, um, yes or no, And whether you attend church or not, but trying to understand that in, in, in this kind of world, it's very hard because it's, it's something which isn't easily presented in a way, which people look upon as, as right, because people think are, people are judging.

[01:16:43] Chris Furlong: People are coming across the wrong way and it gets quite messy really, really quickly. But I think it's a really good answer. And I would coach people. If people haven't heard the story, go, go, go look at it in your own accord and look at it with your own open mind because, um, there's lots to be learned there.

[01:17:00] Chris Furlong: That's a good answer. The last one I have for you, uh, before we wrap up is, and of course I have to ask this because we're doing a financial one is if you win $10,000 today, what would you do with it? I wouldn't 

[01:17:12] Paul Yeo: invest it. 

[01:17:14] Chris Furlong: Okay. Any more, any more details? Um, this is not advice. This is just 

[01:17:22] Paul Yeo: not advice. A hundred percent not advice.

[01:17:24] Paul Yeo: Well, if I can find a way to leverage it, I will leverage the hell out of it. Yep. Right. So my 10,000 can essentially be, you know, I don't know, 30, 40, 50,000 maybe more, um, because the key to building wealth and look for those wanting to build wealth quick, um, is OPM and opt other people's money and other people's time.

[01:17:48] Paul Yeo: You want to leverage what you have. So the 10 thousands got to, got to work for me as if he's working like 50,000. Yeah. It's to, to be in with. So I'll look for investments that I can leverage leverage easily, um, without a lot of hassles. And because it is, it is money that I would not spend, you know, I just want that money to make more baby monies for me.

[01:18:14] Paul Yeo: Yeah. Yup. Good. So yeah, volatility is not going to be an issue for me. So I'll look at things like potentially stocks, potentially even stocks that may have some exposures in crypto is such a big space right now. Um, or potentially a part of it goes straight into some crypto. Yup. Um, that amount is not enough now to have, um, to invest in direct property, but you can still have investment that has exposure to properties.

[01:18:44] Paul Yeo: Yeah. Correct with that money. So there's so many different ways. What I would avoid is cash. What are void right now? Is bonds. 

[01:18:53] Chris Furlong: Yeah, there we go. I heard it from the man himself. Look, Paul, it's been, it's been a great session. And, um, you know, like we've talked about a lot. We've, we've gone from financial, we've even spoken about Jesus and we've gone into some real deep stuff in this conversation and it's really good.

[01:19:08] Chris Furlong: And I, and I think it really sums up the type of person that you are. And that's what I love about you. And I know we originally met, um, as you know, you were my financial planner originally and you still are and helped me with that, but, you know, we've become more friends and, and I guess colleagues in some sense, and that's what I love about you is because you've looked beyond, you know, just, you know, trying to make money out of me or trying to do a service, but, you know, building that friendship and companionship.

[01:19:32] Chris Furlong: So I really do appreciate you coming on to the podcast. Um, what I want to give you the opportunity to do is if there was one, you know, one piece of advice, or if there was one, something that you wanted to leave with the audience today that they take away, what would that be? 

[01:19:46] Paul Yeo: So at the beginning, you mentioned about being a 20, 22.

[01:19:51] Paul Yeo: Yep. You know, news, news resolution, all of that, um, walls. It is an important focus to know where you want to be heading at least for the next 12 months, uh, at, at the very least have a 12 month goal. Um, focus more on who do you want to become in 12 months so that, you know, come this time next year, you can look back 12 months and say, yeah, I was that person.

[01:20:17] Paul Yeo: And now this is a new improve. It's great. 

[01:20:20] Chris Furlong: Yeah. That's great. Now that's, that's really, that's really good advice. And I encourage anyone to, to go check out poll. So you said the best place to find you, uh, is it via Facebook or where was the best place to find it 

[01:20:31] Paul Yeo: on Facebook? Um, yes. Look, subscribe to my YouTube.

[01:20:34] Paul Yeo: That would help me apes and leave messages because then I can, you know, I can get back. 

[01:20:41] Chris Furlong: Awesome. Love it. And all this, all these details are in the show notes guys. So do take up the offer and have a conversation with Paul. If maybe there was a question that you have, or maybe you are in a sticky situation, and you're curious on how maybe he could potentially help you or whatnot, don't be shy to reach out.

[01:20:55] Chris Furlong: Of course you can. I'm also more than happy to have a conversation. Um, but yeah, Paul's a great guy and you know, he does cycling as well. So if you're in that space, uh, you can, you can check out his cycling east does too, because. You know, a hundred and hundred and 90 kilometers. That's a, you know, I mean, I've done an ultra marathon, but 190 kilometers on a bike.

[01:21:12] Chris Furlong: It's, that's hard to fathom. It's kudos to that, man. It's really easier. 

[01:21:16] Paul Yeo: It's easy to run an ultra marathon. I'll tell you. 

[01:21:19] Chris Furlong: Well, that's, that's nice to know, um, 

[01:21:23] Paul Yeo: my, my email and if you want I'll, I'll leave my Strava too, so yeah. Yeah. Okay. Follow me as a Strava. 

[01:21:28] Chris Furlong: Why not do it guys? Because I mean, at the end of the day, it's all about, you know, helping each other, growing in different areas, whether it is around finance or whether it's just life in general.

[01:21:36] Chris Furlong: And, um, and I can recommend Paul in that, in that sense that he is a good guy and he will help wherever we can. So I appreciate you coming on the pod mate. And, um, it's been great to be able to catch up and hang out and have these conversations and yeah, wish you wish all the best for the day. 

[01:21:51] Paul Yeo: Hey, thanks for 

[01:21:52] Chris Furlong: having.

[01:21:53] Chris Furlong: Too easy. Cheers. So there you go. What an episode now? The thing I like about Paul is his intent is there, right? He's been, he's been around the block, he's been around and he's, he's worked in a lot of different areas and industries, as you've heard, you know, he started with a background of science and then he's gone into, um, you know, financial industry, which is, it's a big change, but it just goes to show that you can make a switch of understanding.

[01:22:16] Chris Furlong: I guess when it comes to finances or financial areas within your life, you can make the switch to understand that at any point in time, it really comes down to, you know, being willing to make change and being willing to have that minus. And also changing your approach of how you deal and handle money, right?

[01:22:33] Chris Furlong: And it's not, it's not an easy thing. It's not going to happen necessarily overnight. You're not going to get rich overnight, but the idea is, yes, we're following his, his approach, his steps and understanding it will make it that so much easier for you. Now. I really appreciate Paul just to be a hundred percent transparent.

[01:22:48] Chris Furlong: You know, I met him as my financial advisor and now we're great friends and we still do many chats around when it comes to money and things like that. But I think that my big takeaway from this episode is really, if you do need help, when it comes to finances, if you do want to make a change, or if you want to start budgeting, there's so many, so many opportunities out there in terms of.

[01:23:08] Chris Furlong: Uh, guides help and things that will enable you to get a headstart. Now Paul's a great guy. You can reach out to and connect with him and see if he can help you achieve what you're trying to achieve. Otherwise, what I would suggest is be willing to have the conversation, reach out to someone, you know, you can always reach out to an accountant or a financial advisor as well.

[01:23:26] Chris Furlong: Um, there's plenty of areas that you can do. So you got any questions do reach out. I appreciate you tuning in and listening to this conversation. Of course you can reach out to Paul at any time as well. And, uh, yeah, if you enjoyed this, please, if you think someone else could benefit from this, please go ahead and share it, send them a message or, or send them this link to the episode.

[01:23:45] Chris Furlong: That would be greatly appreciated. Of course you can continue the conversation. We're on Twitter. We're on Instagram. We're on YouTube. If you're here for the video experience, all these great places, um, let's connect let's chat and you have a wonderful day. Cheers. Now, if you didn't know, we do have the podcast merge and this is with a key focus.

[01:24:04] Chris Furlong: And Enamel pins. Now, if you haven't checked these out, make sure you do because the intent of these are really just to be a small token and a reminder for you to charge on, to push on and to further your lifestyle, whether it is a gift for someone else to encourage them, or maybe to inspire them, or maybe it's a way to motivate yourself, or you can simply just make a purchase to simply support the podcast, which would be greatly appreciated.

[01:24:26] Chris Furlong: We do also have some sweaters and some long tees, so make sure you check it out, link in the description and in the show notes. Really do appreciate it. Cheers.