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The Basics of Money and Financial Freedom

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In this episode, Colin goes over the basics of how to handle your finances in order to help yourself spend less, and eventually become financially free.

In this episode, Colin goes over the basics of how to handle your finances in order to help yourself spend less, and eventually become financially free.

  • πŸ‘¨ The Better Human Podcast is a show dedicated to the pursuit of Building Better Humans. Hosted by Colin Stuckert, Entrepreneur, Thinker, and Better Human Builder.
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TRANSCRIPT:

[00:00:00] You have to know what you're expending. You have to know what your burn rate is, and you have to know what you're making, and then you have to know the difference. That's how you eventually achieve financial freedom.

[00:00:43] welcome to the better human podcast. I'm your host, Colin stuckert entrepreneur CEO, father coach growth, minded, and obsessed with becoming better human I'm here to help you level up your mind, body in life. I want you to become a better. I want you to wake up everyday excited about getting to work, getting things done, working on yourself, and then making the world a better place around you.

[00:01:04] That's how we're going to change the future for humanity. That's how we're going to solve the biggest problems we have in 2021 and nine. That's how the world's going to become a better place for my sons and hopefully future daughters. The more better humans we have that can critically think that our cell phones.

[00:01:20] The better chance we have at creating a future that we all deserve. Make sure you get all the updates over at Columbine coach to get on the better human newsletter. You can also read meantime, Colin C O L I n@wildfoods.co sports show. Head over to wildfoods and use code wild CEO for your neutral needs.

[00:01:39] We have local roasted Austin coffee. Our flagship product while control big is a great coffee booster or coffee replacement. If you're trying to cycle coffee off, as I've been doing lately, obsessively sourced, real food products from nature to support your lifestyle needs. Let's get to the show.

[00:02:04] [00:02:00] Let's talk about money. I went to a financial mastermind last night, where we bear it all and talk about our finances and our debt and our income. It was actually really liberating. I don't know if that's right word. I think everybody got a lot out of it. Each person, five minutes to just talk about their net worth and their debt and whatever.

[00:02:22] And they had a whole range of a couple of millionaires in the room called people that had few bucks in the bank account. You know, I was actually surprised because it was a younger demographic, younger audience or younger group, not audience. Most people didn't have a lot of debt. And the few that did have debt, myself being one of them, and I have that on purpose, I'm using it for business reasons.

[00:02:47] It was a reasonable amount of debt. It wasn't like you were so in debt that you were basically in the red. So most people had a positive net worth, which is good. And it was exciting to talk about money. And I think also. Because the amount of financial illiteracy in the modern world is insane. If you actually think about the corporate American political society that we live, you're incentivized to spend money, to go into debt, your fed propaganda.

[00:03:21] From the government, the fed pop culture, Hollywood, and they want you to spend money and they want you to go in debt and they want you to buy big cars and houses and do all these things because that is the, the Fiat standard of which we live in. And money's just a very interesting thing. Like if you don't understand it and how it works and you just do what other people do and you just follow all this.

[00:03:50] Oh, man, it's just, um, you're gonna be a desolate your whole life and you're gonna probably be poor. And if things get really, really bad, if they really, really crashed, then [00:04:00] you're going to be really in a bad spot. So honestly, about burn rate income. And interest. I got two quotes here, kick it off. The big snow.

[00:04:13] The big mistake in this pattern of failure is projecting your subjective, subjective, subjective, lack of comprehension onto the object that you were looking at as irrationality. We make this mistake because we are tempted by a desire for legibility.

[00:04:31] So actually, I don't even know how that quote got in here. I need to read it three times. I delete this right now. I consider that a man's brain originally is like a little empty attic and you have to stock it with such furniture as you choose a full takes in all the lumber of every sort that he comes across.

[00:04:48] So that the knowledge which might be useful to him gets crowded out or best is jumbled up with a lot of other. So that he has a difficulty in laying his hands upon it, upon it, Sherlock Holmes, a study in Scarlet long quote. So the thesis is don't fill your head with junk, be cognizant what you're letting into your brain be cognizant of the content you're consuming.

[00:05:13] People are listening to, et cetera, the people around you, you become exactly what you let into your reality. So what about money? Right? Well, what's your burn rate now? Here's the thing about it. Uh, personal finance and business. Most people have no idea how much money they make and they have no idea how much money they spend.

[00:05:28] Right. Peter Drucker said, what gets measured gets improved? How are you going to improve something or even make sure you're not going into the red every single month. If you're not making sure you're not going into the red every single month, you cannot grow your wealth. If you don't even know what your wealth is or what you're bringing in or what you're spending.

[00:05:47] So your burn rate is your monthly expenses. Now I have a spreadsheet for this that has my rent and electricity health. No, I don't have health insurance actually not worth it. And I'm healthy. So whatever, but also have, you know, [00:06:00] phone Spotify, Netflix, which I'm actually getting paid for free now, because I have this crypto.com card I found, which kind of interesting.

[00:06:07] You might want to look into that, you know, food average grocery bills, like 1,015 hundred a month. Miscellaneous spending random stuff by, by an Amazon. Like I have these all in a bucket on a spreadsheet, and that is my expense as my monthly burn rate, what it costs to live in my current lifestyle with two kids and supporting Alison that I have my income.

[00:06:29] I know what my salary is. I know what my dividends are on average from some of my stocks that I. I know what my crypto earn yield is right now. I'm staking a few things, mostly Bitcoin, and I'm also messing around in a food defy projects for fun. I think I'm able to put away about $2,000 a month after all that is said and done.

[00:06:49] And that's just my income I can do with my assets. You know, I have my net worth with this, which is mostly based on my ass assets. Think of that as my bounce sheet businesses, it's called a balance sheet. It's your assets, your liabilities, whatever. And then I have my cashflow, which is my income and my expenses.

[00:07:05] That's what a profit and loss is for business. So I can store between 1700 and $2,000 a month. Without going into debt or going into the road. This was more when I lived in a bigger house because we had a big mortgage now and we're actually going to the right every month. And so we downsize made some money in that property, moved back to the city.

[00:07:24] And now I have some extra money that I can put away. I'm nowhere near where I want to be. I actually have a goal of getting to $10,000 a month and mostly passive income. Most of my income. Is from my salary from my work. So it's, it's incumbent upon me to earn that, right. I want 10,000 a month where I don't have to do anything where I can literally wake up and then bang the money's coming in.

[00:07:42] And then my goal for life is to work less and to read more and to like, just record videos like this, which I already do. You know, spend more time with the family, travel more, do things like that. And at this pivotal time, I like 36. I feel like I'm so close to [00:08:00] getting there. And I have, you know, a bit of financial security.

[00:08:05] I'm definitely not like wealthy. I'm definitely not. I mean, I guess it depends on who you ask or what the standards are like. We're definitely very comfortable, but I mean, there's so many more people that have way more money than me. And I just feel like I'm a little. At risk still because of that, I wanted to have a little bit more and I want to have that income.

[00:08:24] I want to have that cashflow. I don't want my average monthly expenses and we don't live an extravagant lifestyle and I don't spend a lot of money and stuff. Like I buy stuff, I buy equipment and buy stuff. Most of the time, it's a write-off, uh, I want to just have enough where like, if I want to eat out, I don't really have to care about the bill.

[00:08:40] I'm up to that point in my life. That's actually kind of a funny metric. I literally want to be able to go to a restaurant and buy whatever I want, even though we don't eat out really much anymore, but I want to go to like a nice restaurant. I want to get a nice, expensive steak every so often. And I want to not care at all.

[00:08:52] What the bill is. I used to do this quite a few years ago and I was spending a lot eating out and then I really tightened up and then having kids and whatever, I'm paying more attention to my balance sheet and my PNL. I become more sensitive. But I want to get back to that place again, where I can not care at all, because I know that I'm always spending well under what my mostly passive.

[00:09:13] And I say mostly because most things aren't fully passed. I have Airbnb property. That's mostly passive, but it's still some shit I have to do. Right? Mostly passive income is what I want and I want it to be enough, which the goal is about 10,000 that pays for the entire lifestyle and have some extra money left over.

[00:09:29] And I can travel when I want, I can buy food when I want whatever. So that's my goal right now. I have a very, very crystal clear number, $10,000 a month in monthly cashflow. That is not based on my salary or work I have to do. It's based on investments. I have assets I have. Okay. So I'm actually looking at buying some brick and mortar cashflow business and looking at a package ship store, maybe some laundry mats, things like that that are very, very easy to run, very streamlined.

[00:09:53] Uh, I might actually do a food concept. I'm thinking about doing a pretty interesting fast casual food concept that might be in [00:10:00] the works. I might just do that on the small end, just for fun. And then see, see what happens. I'm also looking to buy some websites, things like that. Okay. But you know, that's me, I guess the takeaway for you, no matter what your financial situation is, is you need to know your numbers.

[00:10:13] First of all, you need to know what your burn rate is, and you need to know what your income is. I use wealth front to connect all my accounts, and then you can mainly add assets and it pulls the balances from the different bank accounts and stocks and things like that. I was kind of like mint, but I like, I like Wellfront way better.

[00:10:27] Mint mints, just bloated crap ever since QuickBooks spotter into it or whatever the company has. So I use that and then a spreadsheet from a castle stuff. And it's really nice to look at like what my, what my balance sheet is, what my, my net worth is on a better basis. And then also what my cashflow is, because again, what gets measured gets improved.

[00:10:50] So burn rate what your lifestyle is. First, you have to know that then you have to figure it out. How to cut that, reduce that, and maybe have some budgets. I have an idea for budgeting that I think we're putting into effect. So there's always online banks that can get free interest or not free interest free, no fee accounts, right?

[00:11:07] Like it's the new thing online baking on the web. You know, most people get direct deposit and you can transfer money around no fees. Okay. So I'm going to probably get a few of these and my ideas to have one account for my rent. Electricity may be my life insurance stuff. Like my big consistent expenses that don't change.

[00:11:26] And then I'll have one for food because food's probably food is my single largest expense after housing. Right. As it is probably for you. So all my groceries, anytime I have to poli anything that is food related, I'm going to put on that account and then I'm going to do one for miscellaneous expenses.

[00:11:45] And then I have my business account. So that's for business transactions right off things I buy on Amazon. Crap like this, right. I used to, or as of right now, I'm putting it all on one credit card and getting the write offs, or if it's business, I go to the debit card to that account. And so when I log into my credit card [00:12:00] account, I see like, all these transactions sums food, sums, gas sums.

[00:12:02] This is whatever. And it's just hard to get a simple bird's-eye breakdown of exactly what I spent or am spending or like what my budget is at. Whereas if I have them in separate accounts, I can. Just look at the number for the past 30 days of the current month. And I could see exactly what I've spent thus far and have an idea of like how close I am to my budget and then subconsciously.

[00:12:23] And this is where the power of budgeting comes in. It comes in when you have an idea of what you've already done and what you have room to do, right? Most people delude themselves. Our brains are, we are very good at deluding ourselves and very, very bad at actually remembering things and remembering data and remembering numbers.

[00:12:38] Yeah. Consciously sit down and look and track your seven budget. Like on a regular basis, you have no idea what you're spending, you know, Chipotle bowl, $15 here because I gotta walk restaurant eight hours, $50 there. I went to whole foods. It was $200 and it actually, every time I go grocery store, it's way more, way more expensive.

[00:12:58] That's inflation for you. That's why I have to buy Bitcoin. Today's show is sponsored by wildfoods co real foods, super foods from around the world and particularly the wild cup patrol pick, which is one of our flagship products. So this is a coffee replacement and or booster. You can use it in the morning.

[00:13:16] If you're trying to reduce your caffeine intake or cycle coffee from time to time as I do, you can also use it. Which when I'm having coffee and I want to put some butter in it. I want to do kind of a keto coffee. I'm going to throw in about a tablespoon of cocoa Tropic as well. And it is just a delicious cocoa beverage that gives me that mental boost from the chaga and the Rishi.

[00:13:34] And I got some mock and turmeric in there. It's mood and concentration, and it helps also actually mitigate the effects of a too much caffeine spikes over. I'm adding the coffee for example, and you get that quick spike and then you kind of come down and you had a little bit of that crash and you have the afternoon slump.

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[00:15:46] So again, wildfoods Darko use code wild CEO for 20% off your entire order. So that's my different budget. I'm gonna track that if you aren't spending as much, or if there's less people in your household, or if it's just you, you [00:16:00] could, you could track this on like one account. And some of these online accounts do have ways to tease out the kind of transaction it can give you like pie, charts and stuff.

[00:16:09] And I think men, men does that, whatever, but I just won't really spend the energy to do that. I want something super simple. So I think the multi-car technique is going to work out. And what I'm actually excited about is the new apple update. They're coming out with this digital identity wallet, where they're really taking the wall to the next level where you can have your ID and you can have all the different and everything.

[00:16:26] I want to get that and have all my cards in there and then cycle through each one and then swipe it for the right thing or scan it or whatever. And then bam, I'm automatically tracking everything. Everything is into a siloed different account and I'm using no-fee banking, which everybody should be doing.

[00:16:44] So, so there's a couple of options for that. There's there's mercury bankers for starters. There's blue vine. I think it's business. There's oxygen is one simple use the one, but they shut it down. So not simple anymore. There's I think chime has one or something like that. So there's a few of them. You can find them.

[00:17:01] So the first thing you have to know what you're expanding to live. Okay. If you don't know that. It doesn't really matter what you're making now, if you're making tons and tons of money, I mean, you just always know you have extra coming in then. Okay. Sure. But most people, what they do is they split then up to what they make.

[00:17:16] And then if they're really not paying attention or they're really feeling depressed, they're trying to fill holes into their, you know, fill their subconscious yearnings and whatever through spending and shopping and drugs and food, then they go into debt to do it even more. Okay. You have to know your burn rate.

[00:17:32] And second thing is income, right? What are you actually doing? This is very simple. If you have a job, you look at your W2 or your payroll stubs or whatever, what actually shows up in your bank account, not counting taxes, taxes, whatever, what net shows up in your bank account. Okay. You have any other sources of income?

[00:17:49] Do you have any investment income? Do you have any side gigs you do on a regular basis? Put it on a spreadsheet, right? It's very simple. It's like, okay. Income. [00:18:00] Let's see here salary. Let's say your salary. Let's say dividend. Average cause they pay correlates, let's say 200 bucks a month average. That would be, you know, I don't know, coaching or something.

[00:18:12] And you make like 250 bucks a month. You have a client or you're or you're training somebody or something. Right. Your. So this puts you at 44, 50, 54, 54 50, right. Income now burn rate. All right. Let's just do hypothetical. And it's funny because like, obviously this is stupid, simple stuff, but putting this on a spreadsheet, you know what let's do it.

[00:18:36] I got this little icon, which is tsheets.net, which immediately creates a, a spreadsheet for you. Most people don't know about that. And let's go back over here. Let's put this in here. And let's just do something super simple. All right. Let's get these on separate cells so I can do formula

[00:18:53] and then income. Oh, this is income, right? So we got some, your income informally. However, this, however you want this, right? Your income is this your burn? Let's put your burn over here. We can put this up here. And let's do a rent, electricity, water, trash, you know, mine's all bundled together. HII, maybe I've helped him insurance.

[00:19:25] Um, you know, maybe you have, so obviously food. You have phone missed off, right. And let's just say one 50. We have like, like 70, we have, let's say 500. Let's say it's just, you, you know, you're paying one 50 for health insurance. I don't know how you are. Maybe you are in an alternate reality electricity.

[00:19:45] Let's say it's like water trash 200. Let's say your rents, you know, one person again, thousand bucks. Okay. And honestly, it's better to put them down here, so let's do it this way. Let's do formula here. [00:20:00] Don't want all to fill that. Okay. So you got expenses.

[00:20:11] Now we can just do a quick net thing. You can also move these over here for, for ease. And so what you do is you do some, and you can target that to any cell. So some right, so this sum equals this sums up. This changes. That changes. Cause that changes right. And I'm going to do this. Here are some expenses.

[00:20:28] Got it. Right now we do a very simple formula. Right? We do formula here. We do some, we do the income minus expenses, right? And you're left with bam, some solid monthly profit. This is your human profit for you as a human. That's and that's great amount. I don't even make that much every month. I don't have that much left over after supporting family.

[00:20:52] Okay. Like I said, though, my goal was to get the $10,000 completely outside of what I'm currently doing. So then I will technically have about $12,000 in monthly profit that I can use to buy Bitcoin, to buy real estate, to do all these other things I'm doing. And over the course of three to five years, the more I do that, the more I'm funneling as much money as I can into assets that are going to keep appreciating and grow.

[00:21:14] And also being protected against inflation from the governments and competence. The more I do that, the closer I'm going to get to that place, where I had this perpetual money machine. The thing is most people, if they were given a million dollars right now, or they can acquire a million dollars in a lifetime and they invest it strategically and they buy some growth companies and they have a mix of things, maybe a little precious metal, some Bitcoin, some, I mean, other things, right.

[00:21:38] Dividend stocks. It's actually not a lot. You can really buy right now to be honest. And so that's where my brain is kind of having a hard time picking things, but I mean, maybe you like bought a carwash or a business or something, or you invested in somebody. If you took a million dollars to do that and you put it into these investments and you let it sit there and you don't accumulate in Cuma and cumin, you don't mess with it.

[00:21:57] And you keep reinvesting dividends. You will [00:22:00] be set for life. Your family will be separately. Right. There is still so much opportunity to become financially free for not as much money as most people think. Most people will say things like, oh, you need like 5 million out of two to be financially free or whatever.

[00:22:13] It's like, no, you could take a million dollars and actually just go live in Mexico or Philippines, even if you had no investments and you would, could just live off that money for the rest of your life. It's even smarter to put it into investments and have a strategy and then let the cashflow and the reinvestment of the dividends and all the different ways that things grow with Warren Buffett style compound interest, as Einstein said, compound interest, the most magical thing in the universe or whatever the hell he said about it.

[00:22:37] That's a better strategy because then those assets grow to this point where they're this behemoth where they spit off money to pay for your lifestyle. And then you keep letting it do that. Well, keep in reinvesting in, and then eventually you hit this inflection point where. You let's say you're generating $10,000 from your assets as the, as my goal.

[00:22:55] Well, I'm going to keep making money while I'm doing that. And I'm going to keep trying to funnel money into more assets. So I'm going to be at this 10 K level for a while. Let's say hypothetically, I was spending 10 K and I was making 10 K. So my assets aren't really growing well. I mean, they kind of are because usually the value of assets grow, but let's just say the income isn't growing and I'm kind of at this place where I'm not reinvesting, I'm pulling in 10 K I'm spending.

[00:23:16] Well, you do that for a few years. Plus you're making money doing other things as most of us will do. I definitely will do that. And then I'm going to keep funneling more money into my assets to have more of them. So that, that 10 K that I'm spent making and spending, I'm going to get the add up to making 12 K right.

[00:23:31] And then that extra two K comes out about my lifestyle goes back in and then it keeps going incrementally up. And then my, my lifestyle stays the same as, as it should. I shouldn't be like spending money on bots or boats and yachts and other nonsense. And then over time, this keeps growing and then the extra cashflow that comes off of your investments that go back into your investments, eventually hit a like terminal velocity, where they keep growing itself.

[00:23:58] It grows itself. It's a [00:24:00] perpetual money machine. That's what I'm talking about. That's the goal. That's what we want. And that's why keeping a simple lifestyle, keeping your expenses low, keeping your burn rate low and continually reinvesting reinvesting, reinvesting, reinvesting into assets, especially ones that grow and can produce cashflow to regrow right compound, compound, compound.

[00:24:18] That's how you eventually achieve financial.

[00:24:23] And it can be done without actually having to live in a major metropolitan city in the United States and Austin, like I do. And without having to have a burn rate, that's like $8,000 a month as I do, it could actually be something closer to I'm going to go to Mexico or Philippines or whatever, and I'm gonna have this huge house and all this amazingness and local awesome food and tropical lifestyle.

[00:24:44] And it's gonna cost me all in 3000. There's literally places in the world. You can do that. And with the internet, you can still stay connected and I can still record videos. I still, and I can still like, be so much into the culture I was, I was brought up in, although I don't really, I don't really think of myself as an like in American culture and the things that American culture people are kind of into, I'm not into it all.

[00:25:05] I'm much more into, yeah. Anyways, I won't get into that. So this is a very quick intro on just like the very broad view of how to achieve financial. The first principles as I love to do with everything. Okay. You have to know what you're expending. You have to know what your burn rate is and you have to know what you're making, and then you have to know the difference.

[00:25:25] I think it's Delta is Delta definition of so, so Delta in finance.

[00:25:36] Yeah, this doesn't help me. I have to read this four times a day. So I think it's Delta, which is the difference between, I think it's the difference between, you know, income and expense or cost basis in growth and like, it's that different. So you have to know what you're actually able to save, because as I say, it's not what you make.

[00:25:56] It's what you keep, right? It's what you keep to reinvest into grow your wealth. [00:26:00] Every human on the planet. Think about it this way you and every human life. Is a micro business, right? You have your own balance sheet, which is your assets and you have your own PNL, which is your income and your expenses.

[00:26:12] And what's left over. Do you have profit leftover every month or you are, are you even worse? Accumulating debt and going the red. Okay. So we do videos. I'm going to start doing more videos on this. Honestly, I might even do a whole new podcast on finance. I, I really enjoyed talking about it. I've been studying it for years and I still feel like I'm a complete new though.

[00:26:33] I do have a pretty good. Grasp on my strategy and I'm pretty confident in my financial strategy and what I'm doing and it's worked. It's been working out pretty great, actually. So. This is just me sharing that and talking about other ideas. And also, I feel like in finance, there's so much nonsense.

[00:26:50] There's so much, there's actual blatant scams, and there's just, there's a lot of bad information that people just follow the pack and they follow what people talk about on TV or the friends do the uncles do, or some financial, I mean, financial advisor to me is like insanity and I'm sure some are good and I'm sure some are worth it maybe, but like, I just feel like if you are your own business and your wealth is up to you.

[00:27:12] It should be your responsibility to know what you're doing through wealth and managing it and investing in a certain way and having a strategy rather than just trying to give that to someone else whose values might not align with yours or even worse. Who's just doing what everyone else is doing to protect themselves from liability.

[00:27:27] You don't want returns from somebody who's just following the crowd because you'll get the same returns as a crowd, right? That's going to be it. Subscribe. Give him the newsletter. Most important thing. colin.coach, C O L I N. Dot coach. Get on the newsletter, the better human newsletter or actually just my newsletter, where everything gets posted.

[00:27:41] I have a better man podcast, a better human podcast. I'm gonna get back into recording. I've been gone for two weeks. I'm excited about this. Let me know if you want me to cover anything financial. I'm going to start talking about this stuff. I'm talking about entrepreneurship a little bit business, a little bit, a little bit, whatever I want to talk about.

[00:27:55] And I think you'll find value. I really do so I will see you. Well, I see you. I'll see you in the next [00:28:00] one. Yup.

[00:28:05] Foods are better foods and supplements for better humans. Get your nutritional ducks in a row. And the peace of mind that comes from the wild sourcing standard are obsessive dedication to quality. No matter your goal, we have the tools you need to achieve the next level. And fitness and longevity. Now, a couple recommendations that I use on a regular basis are our wild Coca Tropic, a superfood, cocoa, and functional mushroom elixir that you can use to make your own delicious keto coffee, adaptogenic drink, smoothie shake.

[00:28:34] You can even bake with it. You can add it to coffee, you can use it to replace coffee. The sky is the limit. This is something you want to keep in your pantry at all times and add a scoop and add it to whatever you want. Whenever you. Next up is our wild prebiotic probiotic. They say that your immune system is in your gut, making sure you're supporting that with good bugs, both pre and profile.

[00:28:53] Like both are important. I take one of these each day, sometimes twice a day to keep my gut healthy. Top shape. And finally, we have a wild multis. I take the once a day for men, it's a daily multivitamin multimineral made from whole foods and not synthetic fake nonsense. The way you see most of the multivitamins in the market are made today.

[00:29:10] There's also a digestive enzyme in there, and this is sourced from over 29 fruits and vegetables. I take one every day for nutritional insurance. You can buy these all a card on the website, or if you want a custom subscription that comes to you every single month, we can help you do that as well. Reach out to us, call us@wildfoods.co.

[00:29:27] Head over to wildfoods echo and use code, better human for 12% off your entire order.

Copyright 2020 Colin Stuckert

These statements have not been evaluated by the Food and Drug Administration. These products and recommendations are not intended to diagnose, treat, cure, or prevent any disease.