Making BILLIONS in the Mortgage Industry with Joseph Shalaby 👑 E79

Because the mortgage industry, sadly, is a cyclical business.

And we just went through two of the toughest years ever.

We did $2.7 billion in 2022.

90% of the companies went out of business those years.

This year, we're doing $4 billion.

Being born in absolute poverty, like I've got a thousand times more than I ever needed or wanted or dreamed of.

So money right now isn't the motive.

It's domination is the motive.

More market share. Ladies and gentlemen, welcome to the Money Mondays.
We are in an RV motorhome parked at the ranch right this second, the Wild Jungle. Right outside right now there's military training going on.
People are learning how to shoot, how to fight at Operation Blacksite. There's a lot of action and it just so happened to be that our guest decided to swing by, bring his family over here to meet over 200 animals.
So his kids are running outside talking to zebras and camels and ostriches and 2,700 pound water buffaloes and we're in here about to talk to you guys about three core topics. How to make money, how to invest money, how to give it away to charity.
This guest, his company is doing over $5 billion, with a B, in loans through eMortgage Capital. He has been doing this for many, many years.
He's set up in 45 states around the country. And so we're gonna talk about all the core things about money, investing, and we're gonna ask him some things about real estate in that entire world.
And how do you scale to over 800, I think it's 850, maybe 900, probably hired people today, employees and sales reps out there working in the real estate field. So without further ado, Joseph, if you can give us the quick two minute bio, we can get straight to the money.
All right. Good deal.
Joseph Shelby, I'm the founder and CEO of eMortgage Capital, top mortgage company in the state of California, top non-delegated mortgage banker in the nation, which basically means that we don't do the decisions. We send it to our investor, who's actually the largest lender in the country, to make the decisions, but we use them for the decision making.
I'm also the top mortgage influencer in our space personally. So we actually are on track to do about $4 billion this year.
We did about $2.5 billion last year. Prior to that, the boom of 2020-2021, we did $4 billion in 2020, $6 billion in 2021.
And right now, we're just continuing to gain a lot of market share. We've got about 850 loan officers, but what we do, it's not the 850 loan officers.
That really is the number. We actively cut 50 to a hundred people a month actively.
So we're always getting rid of loan officers who aren't actively producing. So our goal is to just retain as much of the top talent within our organization as possible and continue to scale with the best in class of originators.
So someone out there that wants to make money, why should they get into the mortgage game? Why should they be out there working with someone like you? Well, so I'll make this very, very simple for someone to digest. A real estate agent is geo-targeted to one city, one zip code.
Sometimes they're just geo-targeted to one neighborhood. So if you're geo-targeted to one neighborhood, immediately you have less bandwidth and a ton of competition in just one neighborhood.
Not only that, but how many people want to sell their house in that neighborhood and how many people need money in that neighborhood? Now, amplify that message nationally. How many people need money nationally versus how many people want to sell their house at a local level so the opportunities that exist within the mortgage ecosystem are like a thousand times more than the real estate space and if you take the numbers comparatively the average loan amount right now in the u.s is about 500 000 we make as much per transaction as a real estate agent two percent about about 2, 2.5%.
And real estate agent makes 2, 2.5%. But they have finite amount of leads.
We have basically an infinite amount of leads and an infinite amount of opportunities because we just don't lend on residential, one single family. We do multi-units.
We do commercial. We do construction.
We do private money. We do HELOCs.
We do hard money. We do asset-backed.
We do land loans. So we just basically have infinite amounts of opportunity in comparison to a real estate agent.
And everybody knows that real estate is the most lucrative business. So mortgage is kind of like a hidden gem.
Well, it's not really that hidden because a lot of people- Everybody needs a mortgage, right? Everybody needs it But people don't know that the scope or the magnitude or really can, they don't understand the opportunity that lies within the mortgage ecosystem. But it's starting to make its headway.
Like you got multiple people within the NBA that own teams. Now you got the Cleveland Cavaliers, Dan Gilbert owns the Cleveland Cavaliers.
And now my good friend Matt Ishbia, he bought the Phoenix Suns last year Suns last year. And I work hand in hand with him, implementing a lot of his vision within our platform.
And obviously he's my mentor, he's my personal coach, and he helps direct a lot of my vision as well with him and his team. So when you say the two, two and a half percent, someone closes like a million dollar loan.
They're making 20 grand. They're making 20 grand.
20 grand on one mortgage transaction. i see why you've got 800 people working there so we're trying to always scale and my my my model now and you know this now it's like i don't care about money right now my goal is one thing and one thing only and that's just to continue to gain more market share i don't care what it takes i will invest in companies i'll you know people are like well i don't have leads and i'm marketing i don't have technology like dude i got you we'll get you rolling we will we will figure it out you know what we got we just want the market share right now so we don't have much of an interest right now in profitability i know that sounds crazy it's like and i say this all the time and i mean it wholeheartedly i come from very a very poor origin i'm from a third world and i'm not just from a third world i'm from like the poorest part of a third world so I like to say I'm from like very poor origin.
I'm from a third world. And I'm not just from a third world.
I'm from like the poorest part of a third world. So I like to say I'm from like a sixth world.
And so being born in Cairo, being born in absolute poverty, like I've got a thousand times more than I ever needed or wanted or dreamed of. So money right now isn't the motive.
It's domination is the motive. Market share is the motive.
So in an industry where you're battling with major household name corporations, and how do you stand out? How do you take some of that market share? So right now, I like to say, actually, we are the biggest brand in the mortgage space. And we've done that through different social media mortgage influences.
But you got your Bank of America and you got your Rocket and all these companies that are on social media. But actually, if you look at social media and compare Rocket to e-mortgage capital, we're actually 3,000% larger than them on social media with 30x larger than Rocket.
They're probably hearing me, we're going to dominate you now, Joe. Come after me, baby.
Let's go. I want the competition.
But no, big banks have attained most of the market share but everybody knows that big banks um are just they're more expensive they're slower they can't execute as quick and matt um the ceo of united wholesale mortgage and the one that bought the phoenix suns he's done a good job really highlighting and empowering the mortgage broker community and really putting that out to light especially with the new new partnership with Mortgage Matchup on the NBA. A lot more light is shined upon the mortgage broker community.
Everybody knows that a mortgage broker is the best place to get your mortgage. That's an absolute fact.
Fannie Mae released an article that it's $9,400 cheaper for every transaction you do, cheaper than a bank or a commercial or a non-delegated lender. It's $9,400 cheaper to go through a mortgage broker than through a retail lender or a big bank.
So it's an absolute fact that was published by the government. And it's all about education.
I'm a part of several committees where we actually try to educate the general public about the mortgage broker community, working with a broker, working with people who work at banks that don't understand that there's been a big stigma since the crash because there was a lot of bad brokers during the crash, the OA crash, blame mortgage brokers for the crash. So there, there's some validity in that because of the subprime crash.
And they were doing all these, you know, Nina loans, Ninja loans, no documentation loans that basically caused the crash. But we've been trying to reverse that psyche for, you know, what, 15 years now, 16 years.
So it sounds like part of the market domination outside of the advertising is the people people themselves is the 850 officers that are out there how do you retain talent so that other companies don't try to kidnap them um that's a great question so what we try to do in fostering talent and retaining talent is continue to provide value so one of the things that we do is help them with their marketing help them know what their lead generation help them with innovating conceptualizing new new ways to drive business and creating new partnerships with massive vendors to help them catapult their business because what people don't understand right now is if they're a small broker and they have this like What I what we bring on a lot on is small independent mortgage brokers people in their own small mortgage company and what they don't realize is like they have this small mortgage company they're doing one two transactions a month but they're they have finite amount of resources they have finite amount of uh uh collaboration they have finite amount of technology versus coming to a mega company like ours where we give them all their marketing their h their HR, their data, their technology, their resources, their collaboration. We handle all of their payrolls, their compliance, their licensing where they can do business in 45 states, not just one state.
We handle all of their contracts, all of the minutiae of running their business is offload and sent to us so they don't have to worry about, oh, how am I gonna survive how am I gonna make money how am I gonna you know continue to innovate how am I gonna retain my top talent so what we do is just pour resources into these people so they know that like oh this guy's giving me an offer I'm I tell people like if I don't earn your business here's here's my five competitors I give them my by name here's their phone number go to them like please like we're all friends you know like i need to fight for your business every day i gotta earn my keep here i gotta present enough value for you to make sure that you stay with me for for me to make sure that you are winning at all times and if i'm not doing that please by all means i encourage you to depart okay i'm gonna ask you a hard question that a lot of people need to hear the tough answer to. They start making 10 grand, 20 grand, 30 grand, 40 grand a month working with you, and then they go blow it because they go buy Teslas and fancy cars and two watches and six houses and nightclubs and things.
What do you say to those sales reps and the mortgage people that are making good money, and it could be any industry, making good money, how to not go blow it like we've seen a lot of people do well what i really really preach within my organization organization i preach this daily is like i want everyone within the organization doing god's work and serving first and if you have a mindset of servitude and really glorifying and edifying god like you're not going to go blow it on things that are frivolous because it just goes quickly. And I can't tell people not to go blow their money, but I can exemplify and exude a servant of God and they can see that, oh, my CEO is like really like encouraging me to do good.
Like go serve, go give money away, go do charitable deeds, go do something that's going to help society. And they see that in gonna help society and they see that in my content strategy they see that in my daily messaging they see that in everything that i do so i you know there's no way we're stopping sin there's no way we're stopping people from from doing things that are you know that that there's deep sadness within them that's causing this right but what we can do is just continue to spread a message of goodness, continue to spread that message of hope.
Sadly, I've seen people within our organization pass away from drug usage. I mean, we've got 1,000 LOs, and people have done that within the organization, and it breaks our heart to see that because we've seen that a couple times um and those people are clearly not listening to my messages they're clearly not coming to my meetings and they weren't actually doing that so it's the people that are like actively engaged in the way that we do business because i do i do conferences i do quarterly summits i mean i i'm in their face daily you know like like i could only do so much in terms of my messaging to really preach, like, the preach God, you know, and that, that's, that's really all I try to do, like, if I, I know that if I do God's work, like, I'm going to try to deter as many people away from that, and man, Jesus himself couldn't save everybody, like, there's just going to be people who just fall off the, you know, fall off the map, that's like, that this is what you know like he didn't come and save every single gentile like it's just not going to happen you know but we could just do as much as we can um but i wish there was a strategy to effectively stop people from from that lifestyle there there just isn't dan you know like they just got to learn the way.
So now on the investing side, a very similar question. As they start making 10 grand, 20 grand, 30 grand, 40 grand, et cetera, per month, what they should be thinking about investing into their own futures? Should they be investing into real estate? Should they be investing into the stock market? What do you think about investing side of things as people start making money in their careers? Yeah.
So we are a national real estate mortgage company. So we like to tell people, and I do a lot of content about this as to how they should be investing their money, like whether they're investing in fractional ownership of in real estate.
Cause that's, you know, I practice what we preach, right? We have to invest in real estate and we have a lot of good platforms for them to invest marginal amounts, obviously investment properties. We always are putting out content about like, where's the cheapest to invest like don't obviously you're not gonna make money in california on on multi-unit right now right but you're gonna make money in missouri it's the number one state in the country damn good state to invest in right now alabama you know florida texas you're still getting good returns on your money and because these people are all self-employed they're getting great write--offs, interest write-offs on their money.
So, you know, real estate, everybody knows it's an absolute fact. Historically, it's the best investment you can ever make.
And, you know, it's nice to have a roof over your head. And we are obviously encouraging homeownership for their own homes as well.
And, you know, right now, they always, they got to put money away. They got to invest because the mortgage industry, sadly, is a cyclical business.
And we just went through two of the toughest years ever in the mortgage industry, ever. 2020, for the fact that I told you, we did $2.7 billion in 2022.
90% of the companies went out of business those years. You know, like, you know, like this year we're doing $4 billion.
Like, we're're just gaining like everyone's just shutting down and coming to us is what's happening you know we have a significant portion of national markets here and that's my goal and i i aim to get to eight billion next year 12 billion and we're going up significantly with people with help with folks like you guys because we are starting to pivot into a completely new vertical which is the you, the vertical of really attracting a broad audience through this entertainment style content and really enlightening the nation about the mortgage, the mortgage industry and the opportunities within this ecosystem. So the reason I love what you're doing about standing out as the main character in the mortgage space, I'm going give you guys a quick example everyone listening at home in your office in your car in the gym

can you quickly name without googling the ceo of southwest airlines no american airlines no

i can keep going jet blue you definitely don't know united airlines you've got no idea spirit

i don't even know if they have a ceo but if I said Virgin Airlines, you all know Richard Branson. And guess what? He's the

multi-billionaire out of all of them. And he's got like 50 to 100 different companies, nightclubs, restaurants, vodka, water, record labels, hotels, casinos in Las Vegas, etc cetera, because of his personal brand.
And so why should you, people listening at home, invest into their personal brands similar to what you do right now in the mortgage game? That's exactly what we're doing. I started this initiative and I was telling some of the folks here that the real Tarzan that I got the blessing of meeting earlier today like i built this personal brand in six months i started the podcast six months ago i started my personal brand initiative six months ago and i managed to amass a following of a million people on my personal instagram now i'm growing my tiktok's blowing up snapchat's blowing up you know so i'm trying to grow a massive audience my goal is to to get to 100 million followers on all my, I got three platforms, my brand, my company's brand, and my podcast brand.
We have about 5.6 million followers across all platforms currently. My goal is to get to 100 million followers on all platforms in the next 24 months.
And I'm checking those numbers, like, and we're growing, you know, tens of thousands, hundreds of thousands daily in some days. So and then now that I'm checking those numbers, and we're growing tens of thousands, hundreds of thousands daily in some days.
And then now that I'm starting to really push and understand the fundamentals of building a personal brand, the kind of marketing that I need to do to really establish a solid personal brand, with help from you and people that I meet through you and through the incredible masterminds that I get to be so blessed to be a part of, like, I'm able to scale at lightning pace, lightning pace. And it happens by the day, it's like exponential growth.
You know, it's just collaborating with the brilliance of people like yourself. It's just a huge opportunity.
And it's just an untapped opportunity, because there's no one else in my space doing what I'm doing. I'm the only real guy that's doing like, that's a true influencer, you know, and I don't, I'm not like 10 million followers, like some of these guys in that, like Ryan Serhant or, you know, the, the real estate influencers, but I'm, you know, give me 24 months, 24 months.
I always smoke everybody. Why, why should someone who is a mortgage broker or in the real estate space or just an accounting you know finance executive etc why should they be building personal brands out there in the marketplace because it's something that's yours like joseph shall be will be my legacy as me forever my kids will and i always think of my kids because i have four kids when i die like my kids will be watching my content be like, that's dad.
Like they'll be remembering me through that content. They'll be watching me forever.
I will live on. It'll be my foot soldier as dad forever.
My grandkids will be watching me. So I like to think of my personal brand as my legacy and my contribution to the world.
And I do content that really I can get behind. Like I do content that edifies God.
I do content that I think i think i do contact the content that touches your heart so i stand behind my content as my contribution to society and my contribution uh as as a part of my servitude right so um so building a personal brand back to the question building a personal brand is something that is yours forever so i I tell people today, we were talking about this on my meeting. I had a all hands meeting today with my organization.
And I told them, you know, this personal brand of yours, like eMortgage Capital, like we were just your, we just power you, your brand. That's all we do.
Like we could disappear, but your personal brand, that's yours forever. Like something happens, God forbid something happens to our company and we go out of business.
Like you're going to just take your brand and move it to the next company. That's all you're going to do.
Like we are just here to facilitate your brand. That's it.
And if I, if I don't give you the best deal, or if I don't give you the most resources, or if I'm not innovating for you and helping you build your personal brand I want you to leave me I want you to go find that next company that's going to help you be better because I'm not doing my job why should people in the real estate space invest into studying mentorship skills learning why should they get more tools for their toolbox if I didn't have mentors i just wouldn't be able to scale like if i'm not attending masterminds i don't know like and we talked about this earlier it's like we're cutting the line we're cutting the line by collaborating we're cutting the line by like me going to someone like you and going and you actually said this you're like don't tell me about your success because that's like i don't want to hear like hustle hard you know you work really hard you're gonna get you're gonna get far in life you said tell me where you messed up tell me where you effed up like that's where you learn like i learned through your struggles i don't want to learn through your triumphs i i learned through the things that made you fall on your face and really like hit hit the floor yeah and then how did you get up and then that's where you learn and that's what we talk about you know the my show my podcast we we we talk about the struggles we talk about the triumphs talk about people's health we talk about what what's god going to tell you when you die you know like that's the stuff that matters you know like you just you're already on top like you're gonna tell me you grind i know you grind i know you grind like obviously you go provide value how if someone's 20 years old they don't know how to provide value unless you actually walk them through what those tips and tricks of what to do too many people just use these broad statements statements like grind, hustle hard, provide value. What does that mean? How do I do it? When you say grind, what do I do for those eight hours, 10 hours, 12 hours, 14 hours a day? They don't know what to do.
So I like to break it down of, this is what you do all day long. You are a social media influencer.
Okay, great. Make a one page PDF kit.
Take that PDF and say your bio, your name, your social media following, all these little things about you. How much do you charge for a post? And then DM, email, text, call, carrier pigeon, whatever you have to do to every freaking brand in clothing, beverage, CBD, fitness, health, food, watches, accessories, women's clothes, men's clothes, shoes, hats, whatever, all day long.
And guess what? If you send out hundreds of PDFs to brands, you're going to make money. That's right.
And the same concept applies. You're in real estate or mortgage.
Go meet hundreds of people and get two or three deals done. And if you get $10,000 or $20,000 freaking commission, holy smokes.
And how easy is it? So we deal with this all the time the time like people like I'm slow Or the rates are too high. Okay rates are too high.
I guess nobody needs money Like that like I guess people are screwed now, you know rates are too high Let's quit now like oh rates are too high like nobody's gonna buy a house anymore now Oh, you know what American dreams over today's over today. The U.S.
debt, it's been wiped. However many trillions, boom, boom, Biden wiped it away.
Nobody needs money. So that's the misnomer.
And that's what I deal with all the time with people in our industry. Like, you know what? I'm just going to go drive Uber.
I'm like, great, go drive Uber. We're going to terminate your license.
We're not going to have you here. I find out you're doing another job.
You're not all in. You're done.
You're done. Because this is not the path for you.
This is a windy path. You're not a doctor.
You're a hustler here. You're independent.
You run your own business. Everybody knows if you run your own business, it's a windy road.
It's not a straight path. You want a straight path? Go be a doctor.
And candidly, you're probably going to want this too. My dad's a doctor, and I come from a lineage of doctors, and my brother's a doctor.
I kind of want my kids to be doctors because I don't want them to suffer as much as I suffered. You're probably going to want your kids to be doctors too, and we'll probably push them down that route, and they'll probably end up being entrepreneurs anyway.
But I do want them to go down the least path of resistance, you know, like, and doctor is for sure. You're going to make 250 grand a year.
You can buy a house in Missouri for that now. They're not living in Newport Beach with that, but you know what? You'll, you'll, you'll, you'll live a comfortable life, you know? So the last category is about charity and philanthropy.
Why do you think it's important for people, for their families or for their offices, their business, to be involved in philanthropy? Not necessarily money, just being involved. Because the typical thing that people think is charity has to be about money.
You can donate your time, energy, social media, show up in person, you know, manual labor. Like, why do you think people should be involved in philanthropy well i want to start with this like god if it was

just money that'd be the best that'd be so easy like god i'm just gonna give you 10 percent of

my check and then i get him i get in like i wish it was your brownie points yeah 10 percent like

that's all i gotta do like yeah right no that's the most important part of charity is your time

is what you're doing to send that message because that that's really what nobody knows you're giving away money. Like no, and nobody, and that's not going to impact anybody.
That's good. Like that, that's like, you have to give away money.
Like, that's a fact. You got to give away money.
Like, there's no way around it. But more important than that, you have to give your time.
Because that's really when the charity kicks in. And that's really when the fruits of the charity are going to be manifested in your life the reason why we are doing good is i i can do this all for charity now like i would just do god's work for the rest of my life and that's all i want to do because there's so much more joy and edification and glory that comes to both of us for that right like you don't need to work like you're like did i'll just serve like here like hanging out with my kids.
Like, you're just doing charity right now. You didn't need to do that.
But how much, you loved it. You know, you loved just doing that.
Like, you're over here giving people food and drinks and come down to my house. Like, just giving stuff away the whole time.
There's so much joy and glory that comes to you from that. That's like your purpose in life.
That's your purpose in life. So people have to understand charity isn't about money.
If it was about money, money, that's the easiest thing. And that is BS.
It's not about the money. And you have to give away money.
That's a must. But you have to give away time because that's when the real fruits are going to be manifested in your life.
And it just needs to come as every business, every person, and business. And they're symbiotic, so you have to do it on both fronts.
You've got to give away for your business and your person. And most importantly, you've got to figure out ways to serve.
Our number one pillar of our organization is serve. Serve your clients with all your heart, all your might, all your soul.
Serve your vendor partners with all your heart, all your might, all your soul. Serve your lender partners with all your heart, all your might, all your soul.
And serve each other within the organization with all your heart all your might all your soul and everybody knows that that's our number one pillar you come to e-mortgage capital you know that you're going to help that guy who needs help you're going to answer his question like i never met that guy like i'm not gonna make no money i'm not gonna make a commission on him like no you're gonna help him because that's what we do here that's that's our number one pillar. That what we are here to serve each other that's it so for my last question it gets pretty deep and i've asked this a lot of times and i've never had the same answer once and i don't think i'm gonna have the same answer today you've got four children you're doing two three four billion dollars in sales each year of loans and things like that and growing the company to become five ten twenty thirty billion dollars over the course of time what happens a hundred two hundred years from now when you finally pass away what percentage of these billions and billions of dollars do you leave to the kids i mean i'm gonna god willing leave like a big portion of it to the kids uh obviously a big portion to charity um you know i'm trying to set up my kids to be to not suffer but i always look at people like warren buffett and and other mentors i ask like what are we doing for our kids like how much of a road do we want them to struggle one of my questions on my podcast is like how do we instill the same grit that we have right that we got in our kids who don't you you're you're not coming from no like the same your parents weren't like you you know like my parents were four you know so you know that mindset of of grit and hustle has to start like that's why you see my kids are like i'm like you're filming content you're hanging out with these other other kids like the hustle now is a different world right like they're now hustling like creating content selling this trying to set up their youtube chance a different hustle but it's still a hustle you know and they um but you know i'd like to leave my legacy a big portion to my kids and but most importantly, I want to figure out how to invest the money.
Because I know, okay, I'm going to build churches, or I'm going to invest in this, or this missionary, I know how to direct the money. I'd like to use my money where I know where it's properly used.
So I'm actively involved with the church in building this. I'm Coptic Orthodox, so our faith is a big part of who we are.
It's our identity. We immigrated from Egypt specifically because we were persecuted by ISIS at the time.
So faith and know, that's a big part of who we are.

You know, so there's a lot of work that needs to be done, like for Coptic orphans.

We got, you know, we're from extreme poverty in Egypt.

So I know where I have to leave my money.

A big part of my money is going to go to, you know, our indigenous people in the Coptic community and my kids.

And hopefully my kids, I'm going to figure out charitable platforms for

my kids to donate their time and their resources as part of their their lifestyle it's just going to be you know servitude is just part of it's it's just lifestyle it just needs to be your lifestyle where can people find you across social media how can they learn from you how can they watch all the content especially since you're going full steam ahead with this content uh follow me Joseph Shalaby, J-O-S-E--a-l-a-b-y on tiktok youtube snapchat instagram instagram is obviously our biggest following follow coffees for closers c-o-f-f-e-e-z for closers on instagram youtube tiktok and then e-mortgage capital instagram youtube tiktok e-mortgage capital and if someone wants to work with you guys instagram oh uh if someone wants to work with us go to e-mortgage capital.com and just apply let us know especially if you're a loan originator or you're a broker owner or you're a branch manager or you're a retail loan originator at another mortgage bank hit us up e-mortgage capital we have a whole blueprint we'll get you dialed in we'll help you get licensed in whatever states you need. We'll get you trained coach for one, two weeks into the wholesale community.
It doesn't cost you a dime. We'll fly you out, get you fed, park you up in a hotel, all on us.
I'm glad you're here. I'm sure we're going to do this again because it's very fascinating to me.
As you guys know, it's really important to have these discussions about money. We all grew up thinking it's rude to talk about money.
But as you can see here on the Money Mondays, I think it's rude to not talk about it. We need to talk about loans, finances, accounting, taxes, banking, debts, borrowing money from your friends.
What do you do if they don't pay you back? Like just having blunt discussion about money because it's real life. We have to be able to talk about salary because if we don't talk about it we don't know what to ask for we don't know what to apply for we don't know what to do

if we don't have blunt discussions so after these discussions with your friends family followers

check us out in the money mondays.com keep us up there at that number one number two spot by

liking commenting subscribing check out joseph across social media and we will see you guys next

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