Puerto Rico to Profit: The Entrepreneurs Teaching Financial Freedom in Spanish

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welcome to the level up podcast i'm your host paul alex i went from being a cop to an eight-figure entrepreneur that helps average people like you and me make money every single day i created this podcast to help you get motivated and to crush your goals let's win together remember i have your six get ready to level up right now

Hey guys, and welcome back to the Level Up Podcast.

This is Paul Alex.

Welcome to the number one business show in the United States currently.

Guys, I have another special interview right here, right now.

Are you guys ready for it?

They're going to educate you guys on a ton of different things.

But first things first, let's do the intros.

Guys, go ahead and do your intros.

My name is Oscar Moises.

I'm half Dominican, half Puerto Rican.

I went to Davenport University and now we're helping business owners to get capital at 0% so they can keep scaling.

Fire, fire.

Love it.

This is my translator right here.

I'm just saying.

So my name is Jorge Lajara.

They call me Joe.

I don't know why, because it doesn't match, right?

They would tell me Jorjito, but I don't like Jorjito, so I guess I could roll with the Joe.

Originally Puerto Rican, all right, lived over there for 19 years after that.

Moved to Los Angeles, California for seven years, worked in the entertainment industry, and then long story short, got into business after that, met my wife, so on, so on.

But yeah, we are helping small business owners or medium-tier business owners get funded, scale, and obviously the extra money that they got, they put it into Section 8 real estate, which is what I believe in.

Yeah, Section 8 Real Estate.

That's that's that's a unique game, man, that I'm gonna want to dig into.

But then, also, all right, here is the question to start us off with:

How was it transitioning from Puerto Rico to the States?

Okay, you want me to start?

Go ahead,

Man, honestly, I grew up watching TV, like American TV shows, music, all that sort of stuff.

So I guess transitioning over there, I kind of felt like it was like easy.

It wasn't that hard.

Obviously, when I went to Los Angeles, California, long story short, I was working on my nine-to-five job, which was construction,

saved up $5,000, moved over there.

So it was a harsh move.

It was on December 24th, and I was 19 years old when I did that.

And I had no friends, no family, no nothing.

I just went over there and

I had to make it happen.

That was it.

Just chasing the big dream.

So you were like, hey man, I'm just going to go over there, see what happens.

And it is what it is.

Yeah, because I was working in the entertainment in Puerto Rico, but at that time, it wasn't as cool.

collaborate how do you say there was too many collabs going on you see what i'm saying collaborations so collaborations there you go so um like like it is now.

And so that's why I was like, my dad used to say this slang,

which is, I'm going to say in Spanish because I don't know how to say it in English, but it's nadia profeta en su pueblo.

Nobody's a prophet in their own town, right?

So if you want to make it big, you got to go out.

So that's actually what I did.

I said, if nobody's willing to give me like the huge opportunity in Puerto Rico, then I'm going to go out.

I'm going to chase in the big leagues.

And then when I come back, everybody's going to need me.

Yeah.

Because I'm gonna have

the tools that nobody does, or the connections, and all that sort of stuff.

So, yeah, you build the proof, you know, you show them that you're able to go ahead and make it happen for yourself, and then you come back, and everybody wants to go ahead and be your friend and do business with you.

It's the way it always goes, right?

Right, right.

Was your guys just like family supportive of you guys doing that?

Like, going ahead and actually making it happen, and then also, what's the nexus between you two?

I gotta ask that question, man, because people are like, it's my primo, it's my mano, like, what's going on?

You want the real answer?

Yeah, of course.

He tried to date my sister, but she didn't like him.

I didn't like her either.

I didn't like her either.

I love that.

So then you guys became homies after.

Yeah.

Okay, so it started working out.

Yeah, that was the only positive thing that came out from there.

And how long ago was that?

Long time ago.

So when he was in California, I was living in, I think I was living in Puerto Rico, but before that, I was living in Dominican Republic because I used to play baseball with the dream of getting like

middle pro, sign, and then go to the bigs.

So I was in Dominican.

I couldn't sign because I was 17 years old.

They offered me like 65.

My dad said, no, you're going to Puerto Rico to go to get a scholarship.

And then after that, I moved to California.

And then he was there.

And we started like engaging again because last time we engaged was when you went like to our home in Dominican

from the church that you you went to yeah from the yeah because we were at a so how I met his sister was at the Christian church at a Christian church and so so that's how everything started um and then we did like a

let's say like you know a

church trip where you help you know those in need and all that sort of stuff so I went to to the border with Haiti which was Monte Cristi right Monte Cristi and that's where we last spoke yeah and after that it was California reconnected after that I moved to Texas I mean I went to Michigan to finish my school and then I went to Texas I was working in a dealership.

I had this dream of being an artist Yeah, like a reggator artist and he was in the music industry like full full right and I was like speaking with him every time like he called me me being at the dealership.

I mean, bro I'm going all in in this in this thing on music industry.

Music industry.

Yeah.

And then I went back home to Puerto Rico, Dominican Republic.

COVID came.

I said, bro, I'm not singing anymore.

So the dream ended really fast for him.

Yeah.

So COVID changed the game for you guys.

COVID was just

that was like the time.

What was that, like 2019, 2020?

2019.

Okay, so 2019 happens.

Where are you guys at?

How old are you guys?

And then what was the shift that got you guys to where you guys are at now?

So

how we started after like I quitted on the music industry, like I was like thinking, I got to make money back because i had i had left my job over there in in texas and i had apartment motorcycle i have a car that i was like drawing como se dice como camestaba comiendo la cuenta it was eating it was drying up your bank account it was drying up my bank account and i was like i need to make something happen i started doing e-commerce drop shipping yeah and then i started doing drop shipping i created like three stores at the same time first story it was like uh this sprinkle machine that throws pressure water, didn't do anything.

And then I created an AirPods drop shipping store, only marketed in Puerto Rico.

Replica.

Replica.

And then we started like selling, selling.

And then I created another store when it was like plastic pools because everyone in Puerto Rico were like, oh, it's hot.

We don't have pools in Walmart.

Nobody can go out.

Nobody can go out.

And then I started like doing drop shipping.

But the thing was, like, to get a pool it was like $300 each pool and I sold it into like $500 each one.

But the money that I had in my credit card and the personal credit card that I was using it was getting maxed out really fast because I was had to buy I needed to buy more inventory

more inventory but it was costing me $300 each pool in order for me to fulfill the client.

And then

he was doing drop shipping at the same time over there in Florida, I think you were, right?

At that time, I was in Tampa, Florida.

And I also started doing Amazon.

So I was doing Amazon and I wasn't doing drop shipping.

What I did was go to Alibaba, find a supplier from China, boom, they would bring it in.

It wouldn't get stopped.

Obviously, it's, you know, there's patents and all that sort of stuff, but never got stopped.

So I would get that inventory and then I would send it over to him and he would sell it in Puerto Rico.

Because once it comes in the states, then they don't stop it.

If you see what I'm saying,

that makes sense.

So if you directly ship it from the supplier going to Puerto Rico, then it's going to get profits all day.

Always, yeah, always.

Do that means 200 units confiscated.

Dude, that makes sense because, like, you know, I try ordering some stuff ever since I moved to Puerto Rico three months ago, and they're like, they deny me.

Yeah.

And they're like, nope, we don't ship to Puerto Rico.

I was like, what the hell?

And then I ship it here in Miami.

It's like, boom, instant.

And I know that because my father-in-law at that time used to work for a CB CBP.

And they would run the ports and everything like that.

So, he said,

He was like, you know, it doesn't get stopped if it gets into the States first.

You're over there using the satellite phone, be like, did it get stopped or what?

But, but we made a ton of money, and then it was funny because he was nice at home getting a conditioner.

I had a drive, like, a transit.

You know what a transit is?

Yeah, yeah, yeah.

Like 15 minutes to

I'm like, take those airpods to like people that wanted to buy in bulk.

But

That's amazing, dude.

Because when you think about it, that's like, that's good.

That's like good, humble beginnings to actually get you to like think like a business owner.

Because not everybody goes through that.

Yeah.

You can imagine a lot of people, they think internet money and they sit on the computer, they make money while they're on the beach.

No, you guys were actually getting it, dude.

Bro, let me tell you this.

When I was doing that, I was in Tampa.

My wife was pregnant, first baby.

Oh, wow.

So I was like, how old were you?

At that time, probably like 27, 28, something like that.

27, 28.

Oh, yeah.

And so we were like, I got to make this happen because I have savings, but I know how long is that going to last, right?

Go back.

So

I bought that inventory.

And then the funny part of it is I would post it on Facebook Marketplace.

Yep.

And I started getting all these guys from the hood, obviously calling me.

They thought, like, are they clones like legit?

Like, they look exactly like the Apple ones.

And I was like, yeah, look, like, the barcode works.

If you scan the barcode, it says it's legit like Apple and all that sort of stuff.

Obviously, I'm not telling anybody to do this.

Disclosure.

But that was what I was doing at that time, right?

I was surviving.

So,

so the funny part is that all these hood guys that were coming to me, they would say, bro, this is better than selling crack.

Like, I'm making way more money.

And to this day, I still get text messages from the people.

You still got it?

Yeah.

You got a box of 60?

Yeah.

But it's like, yeah, yeah.

So that's how it all started.

Okay, so

that's the Amazon venture.

So how do you guys get into business funding?

How do you guys get into, you know, Section 8?

How do you guys get into helping actually people go ahead and like leverage what they got going on as far as credit and business?

Like, what was first that came into first?

So when I was selling the pools that was getting maxed out with my credit cards, I started buying more,

getting into mentorships, like people that are doing business credit.

I got into a guy named Credit and other guys that I don't want to mention here.

But I learned a lot from them and like I optimized my credit profile and I got funded and I used that money into my like drop shipping stores.

So that's how it started.

And then after that, we were like, bro, people in Puerto Rico, because everything that we learn is in English.

Right.

Everything that we learn in Puerto Rico is kind of like new

for them.

So it's a new market, like a new market.

There was only one guy in Puerto Rico at that time that was doing like all this like guru type of stuff, right?

He was in the info space.

Yeah, yeah.

So, but he was more on like forex and stocks and stuff like that.

Got it.

Yeah, it's a big thing, dude.

Like with Forex and trading and stocks, especially when I came down here to Miami.

Like, I've never seen so many like young people into it, dude.

It's insane.

That's crazy.

Yeah.

So, just for clarity for the audience that's listening to this and watching this right now, so uh, essentially, you were trying to initially raise more funding for your overhead expenses.

Because we typically what ends up happening with Amazon stores and why they get shut down is because typically the owners they end up uh maxing out their credit cards, they can't afford the supplies, and then they're like, Oh no, like I'm screwed, right?

Right, and that's that's what they weren't telling people when they were selling all these Amazon automation stores in the past, right?

You know, I got I lost a lot of money on that, man.

Like, I purchased one, dude, dude.

I somebody, I never got it.

Dude, I paid like, I think 30K back in 2017.

35, yeah.

Yeah.

And

dude, nothing.

Like, the familiar mail was crap.

And they ended up getting shut down.

And then they were like, hey, you're going to need like max, like

a good amount of credit.

And I was like, why didn't you tell me that before?

Right?

So you were able to find a solution, though.

Yeah.

Okay.

So you found the solution.

So how did you go ahead and actually increase your credit?

What do you mean?

Did you did you end up with the

credit limits?

How did you scale your credit limits?

Since I was like purchasing inventory,

buying marketing, like paying for marketing,

when you rack up your credit card and you pay it down and you rack up again and then you pay it down, the bank sees that and they were they're like, oh, this guy needs more money because he, you know, he spent, but he pays it right away because he needs more money to keep spending.

So now you have a history.

Now I have history.

Now they increase my limit.

Now, when I move to the business side, I have comparables to go and be like, hey, I need 50K, 75K at 0%.

I'm applying with you.

Okay.

If you have 500 credit limit on the personal side, guess what happened when you apply in the business side?

They give you 500.

And as a business owner, with $500,

there's nothing, there's like not a lot to do.

with $500.

You can't even get an ATM machine.

It's true, you can't.

You got a Forex.

Yeah, exactly.

Yeah.

So that was the way that I was increasing my limits on the personal side.

And because of that, I was able to get more business funding on the business side.

That makes sense.

That makes sense.

Did it take you a while to get the business funding?

Not a lot, like two or three months.

Because I wanted to understand how the process works, what the bank sees, like who are,

who he who is important in the bank system in order for us to get approved for high limits.

Like, for example, banking relationship managers, instead of applying on an application, which the algorithm gives you whatever limit.

But if you apply with a business relationship manager, which is a human dealing with the underwriter, so it's not, it's like if you get approved for 20K, he can be like, hey, can you give me a little bit more money to this guy?

Cause

he has a good business.

Projections.

Dude, that's a great golden nugget.

I never knew that.

Yeah, so

the key part is like people think like, okay, so you got the comparables, right?

You got your personal comparables, all that sort of stuff.

That's amazing.

But in order to maximize and not go through the robot, remember, if you do it online, it's a robot that's reading the information.

It's a preset system, right?

So if you go through a business relationship manager, it's totally different because it's a human that's analyzing your application and obviously can go up to a certain extent with the underwriter and say, like, we'll approve these guys a little bit more just because I know what they do with their business and they're going to to do this and this and that.

Let's give them the benefit of the doubt.

And they got a relationship with our bank.

You see what I'm saying?

So the golden nugget is to always have a business relationship manager involved if you want to get higher limits than what you get online.

And then how can someone go ahead that, you know, is new to this or...

doesn't know what they're doing, dude.

Like, what would be the steps to go ahead and find a good business relationship banker?

Rich by credit.

i love that i love that yeah because the thing is these people they only work with businesses that have either a hundred k in their bank account or they generate millions of dollars a year wow and since we have them like we go walk into the banks dress nice be like hey i'm important i'm sitting like i want to sit with the relationship

and then we start asking questions building that relationship with him hey you want to go out Let's go out, eat some stuff.

I have good stuff to talk to you about.

And then we go out and then we we create that relationship with different types of bankers.

Really?

Wow.

That's amazing.

And the best scenario and best example is like, for example, in the past,

some of the capital that I got approved on the business side for the e-commerce stores, I use it for crypto.

I got into like four projects of crypto.

Like if this one is fucked, the other one is still alive.

Four of them, fu apata.

Se fueron.

And then

so I got this credit card from Chase that it was I wasn't able to pay the to pay it so I got a red mark on that banking specific

and

at the end of the year I paid it full in full so after that like year after I'll still have those marks on that internal bank like they can see it inside even though my credit my personal credit is not is looking good on the business side of chase they can see on the business credit card that i was using is with late payments.

Because of the relationship managers, when I got denied, when I apply again with Rich by Credit for a credit card, he was like, hey, what's the situation that you got involved to so I can speak and explain it to the underwriter so they can approve you?

So he revoked the application from decline to approve with 30K to start again.

So that was like, you know, because of him, it happened.

If you apply online with my situation,

you would have gotten denied and then nothing to do.

Man, your network is truly your net worth, man.

Knowing who you know in the banking system can really help you leverage credit.

I didn't know that.

So, taking what you guys know now,

if you were to, let's say, I can paint the scenario here, right?

It's called a level up for a reason, guys.

We're here to level you guys up.

So, let's say you're an entrepreneur.

You have decent credit, okay?

Decent, what would you you say is decent credit?

700 plus.

Okay, 700 plus, right?

And they just opened a brand new LLC.

How can they go ahead?

And let's do a mini masterclass.

What can they do right now to go ahead and get some type of funding?

The first thing they have to like know and understand is how do your like profile, credit profile on the personal side looks like?

Yeah.

Like you don't want to go apply and then you have like six inquiries and you are not able to get approved because of the inquiries only.

Like, if you have your utilization under 30%, then you're good.

If you have relationships with the banks that you're going to apply for, then you're good because there's banks that they're based on relationships only.

Like, you can have 800 credit score and be like, I'm applying for the 0% credit card.

And then you get denied.

Oh, well, I have good credit.

No, it's not about that.

You need relationships.

Every bank works different.

And then when it comes to the business side, for example, there's a lot of people that create LLCs their own way.

High-risk industry.

They want to invest into real estate, but they create a real estate company and then that's high-risk in

ICS code.

Yeah.

So that tells the bank that it's a high-risk industry.

Wow.

Yeah.

So you would go, safe bet, you would go into consulting.

You would put your business as consulting.

Smart.

That's a low risk.

Right.

Either consulting or, for example, for real estate management.

Yeah, you would put management yeah wow yeah so if you guys are ever starting an LLC for real estate do not put real estate hell no if you want to if you want to get funded because if you're having that business as a real estate you need the business for that in a specific for the property right property yeah but if you make another business with the purpose of getting funding, then structure it the right way, low risk.

You got to create the relationship with the banks.

You got to deposit money into the bank account before you apply.

The comparable on the personal side, the inquiries on the personal side, the utilization on the personal side, the history of payments that you have, like the age of the credit profile, all those things matters when you want to get like high amounts of approvals.

Yeah,

in basic words, like he's saying is

honestly just like, you gotta take a look at your profile, your credit profile, right?

Not Credit Karma.

Go through like, there's like companies like MyScore IQ and all that stuff that gives you a FICO score of the three bureaus.

And then look at your history.

Look at your FICO score.

Do you have anything negative?

It's your utilization like high in revolving accounts, which is like credit cards.

Do you have

inquiries, like he said, certain amount of inquiries?

Okay, everything is clean.

Now let's check.

who do I have a relationship with?

What bank, right?

Relationship means depositing money into it.

It doesn't mean that you just open an account or get a credit card and automatically I have a relationship.

Yeah, you could understand that, but if you have age towards that and you have good limits and good deposit amounts of money, or you have a credit card, personal credit card, and it's 10K, well, that's good for the bank.

That's a good relationship.

Then from there, then you can move on.

to the business side, but having a good structured LLC.

It could be a new one.

Obviously, complying with the four primary accounts, at least on your personal side, two of them that at least get to 10K.

That's what we tell our clients.

It could be five and 10, but usually, if you have both that are 10K, at least that'd be great.

And then that's what the bank is going to look at on the when you apply on the business side.

And as you know, by that, they'll approve you high or low.

Yeah.

Wow.

And guys, how did you guys take this information and now adapt it towards going towards section eight?

Yeah.

Okay.

So

he is more digital.

He likes the crypto, like he said, all that we were speaking about that.

The crypto, all that sort of stuff.

I was more traditional.

Okay.

I come originally from the center of the island in Puerto Rico.

So the culture that I was raised in was way more traditional, conservative, let's say.

One thing that I heard, every single person, every single entrepreneur that I would look at was that it doesn't matter if they were like,

I don't know, Bill Gates or whoever it was, they all had something in common.

It was real estate.

Yeah.

So that's like the long-term wealth game.

Okay.

So I was like, that's the route that I'm going to take, but I can't obviously go and develop apartments right now.

Like, I don't know how to do it, first of all.

Second of all, I think that's going to take a lot of capital to do so.

So that's when I started researching.

And I heard heard my dad being a federal agent now he used to work for bristol and dupon pharmaceutical companies um he retired because he got in love with my mom my mom was the employee he couldn't yeah so long story short he got into the federal agency um working for the fda he retired two months ago um

and so basically like he got me into the the whole federal government and how it's safe up to a certain point and all that sort of stuff.

So when I heard this program called Section 8 and it's backed by federal government and pays you the rent, it's not the tenant, it's the Fed government basically.

So I was like, okay, let me look into that.

And then just doing research and obviously learning from other people in the internet and stuff like that, I took a chance.

I said, this is where I'm going to put my capital.

capital that I get in business funding and started with one property.

One led to two, two led to four, and so on, so on and so on.

I'm out of 54.

So, 54 Section 8 rentals.

Yeah, let me ask you:

what is the best thing from being a Section 8 owner?

Best thing you can say.

If I could say, guarantee money every single month.

So, residual income.

Residual.

That's it.

Just like the cash flight.

Now, I'm going to get into that, though.

Now,

you know what I'm about to ask you next.

Go.

What is the bad side of Section 8?

Bad side of Section 8.

i would say

not doing your proper due diligence to screen your tenant

because

yes the department says every single housing department says that they screen the people that go into the program in order to get approved so they could get their voucher and all that sort of stuff realistically i've seen all And I've seen how shady stuff, there's shady stuff and there's good stuff.

People who do their job the correct way, there's other people who do it the wrong way, right?

So you can't just rely on what they tell you.

You got to also do your due diligence.

So I have a very scrutiny.

That's the right word to use.

Yeah, you have a very strict protocol.

Yeah, exactly of how I screen the tenants and make sure that, you know, they're going to be

prospects for long term.

They're going to be good citizens.

Exactly.

I usually go for it.

It's not, you know, I accept everybody, but usually the best tenants that I've had is like divorced or single moms with like two or three kids.

Yeah, makes sense.

Those are the ones that have been my best tenants.

I've never had a bad situation, although I know colleagues that have not done the good job of screening the tenants, and the tenants have built meth labs, and then, you know, the DA goes through their window, and it's crazy.

That's some small shit right there.

Yeah, yeah, yeah.

Well, you know, something about that, right?

Yeah.

Yeah, yeah, yeah.

yeah i mean they used to do it all the time they used to research not not make meth but go ahead and raid those meth works

exactly yeah no 100 man so okay now section a is growing what is your plan for the future with section eight keep building that portfolio just because

i feel it's uh

it's a stable yet easy way of making pass semi-passive money.

Yeah.

Okay.

Because there's always a little bit of a job involved, but

I'm thinking about more by kids right now.

I got two kids.

My oldest is autistic.

And so I'm thinking, what can I leave them if the day tomorrow God calls me, right?

You got to leave this planet.

So

what am I going to leave them that they could operate?

in a simple way that it's not it doesn't take master's degrees or nothing like that that they they could just like operate on a basic level and make money out of it and that's literally rentals section 8.

No, absolutely, man.

It's such a great idea, dude.

I mean, I love it.

I'm a big fan of residual and passive income.

So, let me ask you guys: so, with the clientele that you guys are currently getting right now for your guys' company, you guys help them out not only with funding, but then also that's basically the investment that you lean them towards.

Is a section eight, or are you guys working on anything else right now?

So, there's clients that, for example, they want to get capital to get into only real estate.

But now we have, I mean, we always had business owners that they have restaurants, they have e-commerce stores, they have whatever other business type.

So we are like trying to build, or not trying to build, we are building something for them so we can help them scale their business,

even though it's a hot dog car.

Yeah.

Doesn't matter what type of business.

It doesn't matter.

Basically, so the idea right now is like, obviously, we're pushing towards, because I have the results.

I'm a big fan of not promoting anything that I don't see my results in.

I will never recommend anybody.

I know there's other gurus that try to paint a different thing on the industry, but I'm legit.

I got a last name that I want to keep proud of, which is a hara.

And that's like, it has to be pristine, right?

So

yeah,

we...

try to guide everybody towards when they get capital to get into the section 8 real estate because it's a safe bet to a certain point nothing is safe in real life obviously because you know anything can happen in the industry right the the whole nation falls down or whatever we we ain't got control of that right but it's as safe as you can go with that right so we go through that and we also the people that don't want want to get into real estate but let's say we got one of our good clients um he actually I'm gonna do a shout out, Palm Exotic Car Rentals.

So he has a car rental company here in Miami, just opened one in puerto rico we're helping him out with that and that sort of client wants okay i got the capital now i want to scale my my service company right or stuff like that so that's where we come in with this new offer that we've been doing a test try basically just like certain clients but it's worked out everybody's making good amount of money so why not reach out a little bit more but we want to work with people that we already know that have the the mindset right you know the mindset to work with that because there's people that that can say like oh yeah well joe and oscar i'll pay you a hundred grand right for this let's say for example because we want to make what you're making right but

they don't have the mindset they think we're going to do everything for them yeah it's not that bro right no i'm gonna give you the key components the ingredients but you gotta mix it how i tell you to mix it but i'm not gonna mix it for you yeah you see what i'm saying so yeah they have to do the execution you guys are basically going ahead and leading them with an actual proven blueprint.

Correct.

Which makes a lot of sense.

Correct.

That's good, man.

So let's talk about your guys' partnership.

Okay, and this is good because we talked about this right before the show.

Right.

And, you know, there's

different,

you could say, roles when it comes to doing a business.

Yeah.

Would you guys say, being business partners, that it's always smooth?

Hell no.

No.

No.

So is it normal for business owners to argue and to go ahead and get mad at each other and whatnot?

How do you guys work that out?

We fight,

and then five minutes later, five minutes later, we're hugging each other.

We're hugging each other.

That's it.

You're like,

yeah, like, well, he knows.

Sometimes he gets mad for whatever reason.

He's just mad.

And so I'm like, dude, but I like, because usually he's more.

Okay, so let's say like this.

In the business, he takes more risk, more bold risks than I do.

I'm more the analytical guy that has to plan for like the worst so if i plan for the worst and it looks good then let's go ahead and do it sometimes i've learned in our process right as business partners um that sometimes i just got to give him the benefit of the doubt and i he's done the same thing i built a track record with him when i tell him like i want to do this thing with paul i want to do this thing with whoever so

he says like i trust you yeah do it he doesn't question me right Because I've built that track record and he's built it too.

So I guess, yeah, going back towards the fighting.

Yeah, we fight.

Five minutes later, we're hugging each other.

How important is trust in a business partnership?

You want to answer to that?

Trust in a business partnership?

Yeah.

You got to know who you're sleeping with.

Like, for example.

I know there is a lot of money on the bank account.

Yeah.

And I can sleep very well because I know this guy wants to one cent

if he's gonna take one cent he's gonna be like hey asker i'm gonna buy this same thing with me like hey bro i'm getting this for the business like the the best thing that you can have is like having someone with the same vision the same like um como se yise animo like like energy to do whatever you want to go yeah like if you want to pick your partner you have to be like that because otherwise you're going to have someone going like they want to go somewhere and you want to go the other way, and never it's going to work out.

Yeah, which is what happened with a lot of business owners.

Yeah.

So, you guys got to be on the same vibration, basically.

Same proof.

You guys got to have the same vision.

Yeah.

And do you think that's why your guys' business partnership worked out so well?

Because you guys have the same vision.

You guys have the same goals, core values, and all that.

Yeah, it wasn't always like that.

Like, we started

increasing the company.

We got stuck in some like in two years, wasn't it?

Two years?

After two two years yeah talking a number like a 80k monthly yeah and then he was doing his thing i was doing mine thing we weren't pouring our like energy into the business 100 yeah and then like i don't know if it was like a mentorship that we took that like both of us aligned you guys yeah yeah after that like everything changed i think it was with jason capital

do you know what jason capital is so it was a cool marketer dude yeah yeah so i sent him he was at dorado at that time, living in Dorado Beach.

Dude, I remember he was like one of the first marketers that lived remotely.

Or there, yeah, that moved remotely.

Yeah, I remember.

He was the first one told me, don't get an office.

Yeah,

he was telling us to not get an office.

Now you guys are like, we need an office.

We need an office.

No, you don't need an office, yeah.

But yeah, so it started with him.

That's how it started.

And he opened our minds.

I can tell everybody, you get mentors, and we are always paying for education.

Like,

we're paying to get access to that issue that we have, that we're stuck, and we want to go to the next level.

There's people that are so proud that we know right now, friends of ours are here in Miami.

I'm not going to do a name drop, but that they don't pay for education or for like to get a mentorship from this guy in order to scale.

Like, there's one guy that was doing the numbers that we were doing because we're doing more right now.

And he was doing it like way before us.

He should be like way higher than us.

his network is like bigger it's crazy but even then but even then like we are only one thing got him just like stuck on the same numbers exactly he don't pay for like

he don't pay for like mentorship he don't pay for like hey this guy is making this type of number let me get into like close to him to see what i can get from to scale my business so he got stuck over there and like in those

because of that he's still stuck in that number but but but yeah it's it's that's another thing there's people that think that when you pay for mentorships oh yeah because i'm just gonna get the same information that they're putting out there in the in the instagram and the youtube and all that sort of stuff yo guys it's not just about the information it's about access yeah it's about network you can have all the capital the business funding in the world but if you don't have the connections you ain't got nothing honestly No, seriously.

Network is everything, man.

Like, you know, I've met a few key people in my life.

I have a pretty decent network now, but a few key people in my life throughout the years that changed my life because they connected me with so many people.

And, like, one person, let's say they allowed me to be a keynote speaker or they allowed me to go ahead and have access to their audience.

Right.

And that could be a dramatic change for anyone, right?

Right.

Because that's that's when you get exposed to the world, right?

Right.

So I think it's powerful, man.

You guys got to build your network.

You guys got to go know who you're talking to and you know how you can form that relationship for the future.

Um, so so with that being said, man, like, what would you say is the biggest needle mover when it comes now?

Because you guys are multi-millionaire entrepreneurs.

I see outside the ClickFunnel

awards for you guys' pages.

Congratulations on that.

Two more coming that we haven't requested.

That's what I'm talking about, man.

That's what I'm talking about, right?

Winners.

So, with that being said, what would you guys say is the biggest needle mover in business right now, especially in 2025?

Especially with these younger guys, you see a lot of

younger folks trying to get into the info space.

And it's hard.

It's hard.

So what would you say was a big, big needle mover for you guys to get you guys up to where you guys are at right now?

Supply

on

where there's a need.

So build an offer that covers a need.

Basically,

that was our big break.

that we were covering.

We were the first ones to cover a need that was in Puerto Rico at that time, right, in the island.

Nobody knew about business funding or nothing like that.

Or now with Section 8.

It surprises me to this day that there's people in the island that don't know what Section 8 is.

Like, I can show you my DMs right now of people writing, like, I've heard of it.

I don't know what it is.

And I thought everybody knew.

So, but at the end of the day, I would say just finding that key component that supplies, that gives out a result for the need, right?

I don't know.

Yeah, no, no, you're absolutely right.

So, finding that void in the market, which you guys did, you guys looked at Puerto Rico and you were like, wait a minute, they don't know anything about sectioning.

Nothing, they don't know about the credit funding.

Let's go ahead and convert it for people that speak Spanish, especially in Puerto Rico.

So, it makes a lot of sense.

You guys dominated in your guys' area.

So, what would you guys say?

Are you guys looking to expand into like other countries?

Are you guys looking to go ahead and like take over the U.S.

market?

Like, because I know you guys dominated Puerto Rico, you guys are the biggest in the game over there.

Yeah, but how about how about in the states?

So, for the state, we're trying to remove.

The thing is, like, all of our team is only Spanish speakers.

Now, we're integrating people that speak English because we can offer funding for people that speak English.

There's no science behind.

Like, if you speak English, Japanese, whatever you speak, you're going to get copyrighted at the end of the day.

So,

what else?

Yeah, I would say

we're trying to, we're expanding towards that, um, towards the funding in the states, but but we're also with the section 8 thing, not many people know, is that anybody that lives outside the country of the U.S., they could buy a property in the states and put it under Section 8.

Wow, that is a needle move.

So, so, so, my thing right now is: I want to finalize the domination in Puerto Rico for the Section 8 thing, right?

Put everybody to have a secured,

let's say, side money coming in, let's say like that, Um, and so they can retire or just like have a better quality of life, and then after that, we're gonna push into like Latin America or stuff like that because anybody in the world can actually just buy a property in the states and put it on their deal.

The only product that we cannot like promote out of the states is the credit credit because it's only every in every country.

The credit system is different, it's different, right?

No, that makes total sense, man.

Dude, like, I mean,

that's section eight for for everyone else outside the country.

That's gonna be huge.

Yeah, That's going to be huge.

There's so many people that want to buy land.

There's so many people that want to invest into real estate.

And if they're able to do it in the U.S., especially out of state or out of the United States, man, it'd be amazing.

So let me ask you guys, what does your guys' family think about this?

What does your family think about entrepreneurship?

Do you think they were scared when you guys initially started this?

When I started, my dad called me a scammer.

That's crazy.

So he thought you were scamming.

Yeah, I don't know.

He's always like joking around and I didn't take it seriously.

That was his first words.

Hey, what's up, scammer?

Damn.

I mean, what does he think now, man?

He sees the awards.

He sees the lifestyle.

He sees what you've done for your kids.

Yeah, now he wants to work with me.

Yeah.

There you go.

Yeah.

Same as me.

It was the same situation.

I graduated early from high school

and I didn't go to college.

And that was a deal breaker for my parents.

And obviously, my whole family coming from a conservative family, right?

The whole expectation of,

you know, my uncles and cousins and all that sort of stuff was that

I was gonna become like a doctor, engineer, typical, right?

Because my parents were like, you know, cookie cutter, they were conservative, but yeah, yeah, the traditional way, basically.

And so I was like, no, I'm not gonna go to college.

So I had my ups and downs, right?

Like anybody else, like any entrepreneur.

But to this day,

he just said his father tells him he wants to work with him.

Most of my family family members that are lawyers, engineers with bachelor degrees, master's degrees, all that sort of stuff, they want to come and work for me.

That's awesome, man.

And I don't take it as an ego type of thing.

I take it as like, damn, like I proved myself.

You see what I'm saying?

Yeah.

But at this point, it's more, it's something bigger.

Right now, it's not just about making money.

Yeah, that's great.

It's awesome.

I got my investments as well, but it's more about leaving a legacy for my family.

That's my vision right now.

And how I can just like keep on like finding some other projects that entertain me, that ignite a fire and a passion inside me.

And then let's make it happen.

That's my game right now.

No, I love that.

Fulfillment, being a bloodline breaker.

That's it.

You know, which you guys are, especially, you know, doing what you guys are doing right now, helping a lot of people.

So with that being said, I mean, are you guys looking to expand more into building your guys' personal brand, especially

in the Latin community and and going ahead and being like a household name.

Like, you know, how Grant Cardone is in real estate, especially with 10X.

Are you guys looking to do that for yourselves in the Latin community?

Of course, because I believe with influence, I believe with influence, you can do more stuff if you use the right way.

But if you don't, if nobody knows you and you are like in the dark side,

how you expect to people know you and like

no, it makes a lot of sense, man.

Are you guys leveraging heavy like content like YouTube,

Instagram?

What is your guys' content strategy right now?

Right now, I'm using AI for my content.

The way everything is made by AI.

That's badass.

So I haven't been on like, if I get content, it's in a podcast or because I don't have the time to sit down and

go in, hey, I'm going to say this video, this.

No time for that.

So basically, for my content, it's like giving proof for the people like value,

family, jokes, lifestyle, and

testimonials on my Instagram or Facebook or YouTube.

And so I'm posting like three or two contests every single day into those platforms.

They're growing.

Now I'm getting more into YouTube so I can grow that platform and generate money from there.

I'm not desperate for that.

I know it's a long-term game,

but I'm like, you know, getting into it now.

Yeah.

Are you guys ever thinking about getting into AI and showing the Landing community how to leverage AI?

100%.

Of course.

Yeah, because I know it's going to be big in the next five years.

And we were just in a meeting like an hour ago, and it's like related to AI and some other stuff.

Yeah, and how there's this new

situation, let's say, like that, where it's going to change the game as far as like doing Zooms instead of using like Zoom

Google Meets or stuff like that.

Literally,

you can talk to a person, let's say, you only speak English.

I speak Spanish only.

I'm talking to you, and when you hear me, you can hear me in English.

And I'm talking in Spanish.

Yeah, I can see that.

So they got it right now.

But it's, you know, the key components, they're decentralized.

Wow.

And so you make money while you use the platform.

You get rewards.

You get rewards.

Wow.

Yeah,

it's a big conversation we could talk about.

It has a lot of perks.

If you're presenting,

you can share on Zoom.

If you share on this platform and you are doing a webinar and you're selling at the end,

people can scroll the page and make a

push the button.

Whatever they want to do.

Like, hey, this is in this part.

If you click here, you're going to buy this.

And this is going to take you from here to here.

People can scroll down their page on their side, even though on their recording after the video is done too like they get the video they can see the page they can go back go down like you can do a lot of stuff besides like translating me speaking english on this side and this guy listening on the other side in spanish either with translation like como selo

subtitles

or like now they're like

doing the

the voice like converting into the language that you want to hear so it's equivalent to watching netflix and then going ahead and changing the language exactly that's about it exactly

exactly it's the same thing exactly way cheaper and it's way cheaper way cheaper way cheaper and you make money with it yeah you control your data and it's your data wow did this come out yet for the general public or not it's it's already out um it's called r link

um it's on a beta face right now it's on a beta and but in six to eight months they're gonna implement so the official launch is on thursday they're gonna do it in for laudadale i think it is right in for laudadale but um but then in six to eight months that's when it's going to have the feature of the translate real-time translation of audio not the subtitles because right now it has the subtitles but what i see the value in that is that as business owners right or whoever's watching this right now um

you're let's say you have a sales team right and you're trying to sell your product into another country or somewhere else a massage chair might seem a bit extravagant, especially these days.

Eight different settings, adjustable intensity, plus it's heated, and it just feels so good.

Yes, a massage chair might seem a bit extravagant, but when it can come with a car,

suddenly it seems quite practical.

The all-new 2025 Volkswagen Tiguan, packed with premium features like available massaging front seats, it only feels extravagant.

And you don't know how to speak the language, it doesn't matter.

Now you can do it.

Yeah.

You see what I'm saying?

So it changes the game in terms of like online sales changes the game.

Well, yeah, I mean, that does change the game because now any entrepreneur that uses like webinars,

you know, they're going to be able to go ahead and market their product and information to the world.

Right.

You know, and they don't have to worry about a translator or anything like that.

Yes.

That's amazing, man.

I love that.

So with that being said, guys, so this is the level of podcast.

So as you guys know, this has to do a lot with self-help, mindset, adversity, roadblocks.

What would you guys say was the hardest moment in your guys' life?

And you guys can individually say your guys' story, but the hardest moment in your guys' life where you guys are like, dude, you know what?

Entrepreneurship might not be for me.

What would you guys say?

You want to go first?

Go first.

When our account was about to hit zero.

Oh, snap.

Your bank account.

Our business bank account, which was the only thing that was giving us money at that moment.

I was like, we're going to go bankrupt.

And when was this?

This was two or three years ago.

Three years ago.

Three years ago.

Yep.

I think we, when we started the company, we weren't taking money out of the bank account to pay ourselves.

We last three years without paying ourselves one single cent.

Yeah.

Yeah.

And I had my job on the side.

I had, you know, these casino machines in Puerto Rico that you go to a market.

Oh, I know.

I know all of my positions.

for the clients making the residuals bro

right so that's how i started it at the beginning like my dad gave me the he made me his partner and that's how i started after like doing rich by credit and doing that at the moment That's how we paid ourselves.

He was doing Section 8.

That's how he paid himself.

But we didn't take any money out of the bank account.

We started investing into mentorship and our bank account

going down.

But we had now the information, yeah, knowledge.

Let's apply it, let's scale it, let's do it.

Yep, the good thing about us is like,

even though in the bad moments, we don't quit.

Yeah, like if you quit, like problems are gonna come, even though you have the perfect company.

Not any company is perfect, yeah.

So, you start a company and then you don't know how to do X or Y,

you're gonna figure it out, yeah.

Because

there's always a solution, like y'all entrepreneurs that are watching and hearing us is

there's always a solution like don't quit don't say no unless it's like, you know Something illegal or something like that.

Well, well, yeah, that that's a different situation but when it comes to like you're you know confronting problems and you're seeing yourself go down in the in the account and and just like whatever dilemma it is there's always a solution.

There's as a faith believer right now that i'm going more into god and all that sort of stuff i believe that god always has a solution for you if you seek him bro that's so real like i i as i get older you know at the age of 37 now like i'm a big believer that things always happen for a reason correct you know like times like you might miss a flight i don't even get mad anymore dude i'm like you know what

There's a reason why I missed a flight.

Exactly.

Because usually I'm on point.

But if it's something like I learned this the hard way, I was going to check in a bag two trips ago coming from Puerto Rico to Miami.

And they were like, you have to check it in an hour before the flight.

And I was just like, but in Miami, it's 30 minutes.

So they made me wait like five hours.

And I was over there like, damn, like, this sucks.

But hey, things happen for a reason.

Right.

Right.

Who knows?

Right.

You know?

Who knows what would have happened?

Who knows what would have happened?

Yeah.

Right.

It wasn't meant to be.

So, with that being said, what would you guys say?

Okay.

Bank account goes zero.

What did you guys do?

Like, okay, it was going zero.

Like, did you guys take action right away?

Would you guys came up with a game plan?

Like, what was the next step?

So, I guess that point was,

was it when we went to Albert's thing?

Yeah.

So,

so we were seeking solution, right?

And I was like, looking at YouTube, all we studying and this and sort of stuff.

And so, I was like, hey, I see this guy that's like.

He's a mentor or offers mentorships and he's like, you know, surrounding himself with like Patrick and David and all these like major leagues.

Yeah.

So I'm like, and then he talks to me.

I follow him and he starts talking to me.

And it's him.

It's not a chatter.

It's him.

And so he goes and sells me for the event.

And I was like, well, Oscar, I'm going to take the risk.

This is like, I'm going to find a solution for us.

You know, yes or yes.

Okay.

So I'm going to take the risk.

You want to come with me or not?

He's like,

we already got everything to lose.

So let's just go.

We went to that event.

That event wasn't what saved us.

It was the person that we met at the event, okay?

Well, his name is John Pena, okay, Mike Baron's business partner.

We started talking to him and he started, you know, saying stuff about closers and all this sort of like online game.

And he was in the same industry.

And I was like, well, let's reach out to him.

Right.

So after I met him, a couple of weeks went by.

I called him up, like, you guys have like closers.

So Trey sells us, closes us on the deal.

And

then from then, everything just like, boom.

Like we got everything organized as far as like business structure, SOPs,

everything that needs to be put in place to have a successful business, right?

Because we were doing sacrifices, like he mentioned.

Like for three years, he was handling delivery.

like when clients wanted to speak they would speak to him and all that sort of stuff I was the guy making the sales yeah I was a sales guy right okay so and we wouldn't take a dime out of it a dime we only took our car payments that was it our car payments that that was it

all the rest of the money back into the business we didn't take a paycheck from that

So yeah, so sometimes you got to lose to win.

No, absolutely.

So then going ahead and investing in a program where they allowed you to have closures, which guys, if you guys don't know what closers are,

sales consultants, you know, high-ticket closures?

High-ticket closures.

High-ticket closures.

And it's dramatic.

You know, the three fundamentals I always say in business is client acquisition, sales, and fulfillment, right?

So it seems like you guys had probably the client acquisition and then the fulfillment, but you were missing the sales portion.

Yeah.

So

we thought that our problem was closers.

It wasn't closers.

It was the back-end structure the right way so we can scale and not be like, hey, we fired this guy.

There's a new guy.

We have to train him again and spend three weeks with him on a Zoom every day.

To see if he does the job or not.

So it's the process.

So the process was the issue.

It wasn't the sales because I was making the sales.

We were good.

We were making good money.

But the fact was the whole operations.

it was all over the place.

It was all over the place.

And we didn't have any mentors for that.

For sure.

So,

you know, we were trying to figure it out.

Yeah.

And you guys feel like you guys were doing everything on your own.

Yeah.

Or you had to take everything on your own because other people wouldn't execute, right?

Correct.

I mean, I feel like that happens to everybody.

Happened to me, dude.

It took me a very long time to go ahead and start delegating.

Yeah.

But people have to delegate at a certain point in their business, right?

So it makes it makes a lot of sense, dude.

So, okay, cool.

So you guys would say that almost losing your guys' shirt zero zero money in the bank account um so what would you say is let's let's let's paint another picture a second scenario that happened to you and and and the only reason why i'm bringing up you know asking asking our guests about these scenarios guys because you guys got to understand entrepreneurship is hard right entrepreneurship

it is not easy we're not here to sugarcoat shit this is the level up for a reason guys okay we're here to help you so we're sharing their experience.

So you guys are able to learn not to make, number one, the same mistakes.

You learn from us.

Right.

Learn from us, right?

Because we already did the mistakes.

We're here to help you guys out.

And then, second, you guys learn a valuable lesson, right?

So what would you guys say is the second worst situation you guys ever been in entrepreneurship?

What do you think?

You guys have any

bad business deals go wrong?

You know, last year I had

an executive mine take two hundred thousand dollars from from one of the businesses and i was like wait a minute come on right

i wouldn't say that i would say honestly that was like the worst one that we've had going almost to zero and oh

well having previous deals that we made that weren't from business credit or you know the section anything section anything is newer um

that still followed us so we owed money in the street, basically.

Oh, wow.

Yeah.

Yeah.

And so it was falling in our ass.

Oh, wow.

So, and we got lost.

We got out of here, but I didn't want to say that.

We got to say the real thing.

But it's true.

It's true.

We had, you know, people that had bad blood with us and stuff like that.

And we owed them money.

And, you know, they try to sue us.

So I would say that was the worst the second worst one because it was just it wasn't one

we got like three or four right that was the first one and the second one was the the that was the first one yeah mistake that we had as a business owners and then the second one was was the one we spoke earlier oh yeah yeah so the first one was first yeah yeah so so actually the the account was gonna go to zero because of that too as well because we had that old bad debt that we had right you you had to pay it off and all that yeah the the the the lawyer another key component.

As business owners, like get yourself a lawyer and have a really good contract drafted by a lawyer that works in the state that you have your entity.

Why do I say that?

Because what we did was

we saw a contract here from this company.

We saw a contract from this other company, and we made our own from that.

We didn't pay a lawyer.

So what happened?

It was a good contract.

It was solid, but it didn't comply with the terms and conditions of of the state.

So it made it invalid at the moment when we got sued.

That sucks.

So that's why we weren't covered.

And then we had to find the money to refund everybody.

Yeah.

Yeah.

And it happens as, you know, entrepreneurs, guys, you know, you could get in lawsuits for anything.

This is America, right?

Yeah.

So at the end of the day, people.

Favorite sport.

Yeah.

People can sue you for anything.

And as a business owner, once you get big enough,

eventually it's going to happen.

I mean, that's what everybody, you're not a true business owner unless you get sued first.

Exactly.

We went through that.

Yeah, you guys went through it.

You guys got over it.

And guess what?

Now you're here.

Now you guys are expanding.

You guys are looking to grow your portfolios and make things happen.

So with that being said, guys, now, since this is the level of podcasts,

I need two,

count them, two from one from you, one from you.

And that's going to be directly to your audience.

Now, for the person who is trying to start their business, right now they're trying to figure out life.

Right now, they're trying to go ahead and start getting funding, maybe for their business.

Maybe they're going through some hardships, dude.

You know, we've all been there at the end of the day.

What some words of encouragement from you, from your guys's past?

I would say just

start.

Like, don't think about too much of what you're trying to do.

Just start.

And I'm pretty sure you're going to figure it out.

Like, in the way,

what you have to do to keep, you know, either scaling or

getting the product better, whatever, whatever it is, just start.

Because if you don't start, then nothing is going to happen.

And that's where most of the people get stuck when they have an idea of business, like they don't even start because they're scared.

Like, what if this happened?

What if this, like, I don't have money?

Like, you got to learn skills.

You got to start.

You got to like, you're going to learn it in the

process.

In the process.

You're going to learn it in the process.

Yeah.

I would say I agree with him.

it's start,

don't try to have everything set in place because you're not, it's not going to be perfect.

You're going to figure it out in the way.

Right now,

one of our key components is like, you know, we want to make X amount, right, as business owners.

We don't have it drafted, but we're

figuring it out in the way, you know, on the way.

So that's 100%.

I agree with that.

And the other one, don't be afraid to pay for knowledge.

Facts.

Don't be afraid.

Like,

he was the one who got me, okay, into paying for knowledge.

I didn't believe in that stuff.

Okay.

I thought,

again, I come from a conservative.

I didn't know that.

Well, now you do.

So, so, so, yeah, so, so his mindset towards that.

was what opened my mind.

And I was like, you know, I could cut corners and basically make this go faster if I just like pay for information yeah for access no absolutely I mean your network is your net worth man so that access I guess that's the bar for today because you said it a couple times yeah yeah no no because but I'm such a big believer in it man I'm such a big believer you know I always say you have nothing in business if you don't have a network that's right it's true how are you supposed to grow how are you supposed to go ahead and connect with other people right

so with with that being said man where can they find you anybody that's listening to this anybody that's watching the youtube where can they go ahead and get more information on your guys's um offer uh who you guys are and then your newest content as well so if you want to follow me and look more about what we do go at official oscar moices on instagram tick tock facebook and whatever platform they created to do

you're there and that's your handle if it's created my handle is official oscar moises that's you're gonna find me awesome and yeah so for me I've been a little bit more off on the social media don't have too much content out there but uh but yeah you can find me at obviously with with our company website richbycredit.com that's one and then the second one is for all my handles is lajara it's a little bit complicated so i'm gonna spell it out l-a-j-a-r-a official okay no yeah lajara official that's true yeah yeah yeah yeah so lajara official every single handle all right is that the official one already because you change it every day.

I've changed it a couple times.

Yeah, yeah, yeah, yeah.

Lajara Official.

Yeah, yeah, yeah.

So it's that one, yeah.

All right.

And then what do you want to leave with the audience today, man?

What is

the last motivational liner you guys want to leave the audience with?

God first

and put action.

Okay.

Yeah.

I would say habits, discipline, consistency.

I love it.

There you guys go.

Guys, if you guys love this interview, you guys want to help somebody either obtain funding, get into section eight, get into actually going ahead and learning from these gentlemen from the Latino community.

I mean, they're rock stars.

They're killing it right now.

And can't wait for them to expand.

You guys got to go ahead and make it happen internationally, bro.

Come on.

100%.

Six as low speed.

But with that being said, guys, hey, make sure you guys tune in.

Leave a five-star review on Spotify, Apple, and on youtube guys we are currently ranked number one in business and top 25 all categories with that being said my name is paul alex this is the level of podcast i'll catch you guys on the next one thanks for listening up to the level of podcast if you enjoyed today's episode make sure to share with a family friend and everyone you know who's ready to level up leave a five star review on spotify apple podcast and wherever you tune in it really helps spreading the word and don't forget to check out officialpaulalex.com for more episodes and resources to kickstart your journey let's level up together.

Hey, JJ Virgin here.

On my podcast, Well Beyond 40, we ditch the idea of aging gracefully and go all in on aging powerfully.

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