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Speech Transcript

Unknown Speaker  0:00  

Hey rockstars This is Eric Silverman of voluntary disruption. And if you really, really want to learn how to level up your life you should be listening to the time to shine today podcast with my good friend Scott Ferguson.

Unknown Speaker  0:14  

Time to shine today pockets varsity squad. This is Scott Ferguson and we are at Episode 188 with my really good friend, Eric Silverman from voluntary disruption. Basically, he is in the voluntary benefits, which used to be called enhanced benefits, which is like disability, life, dental, vision, etc. the boring stuff, the stuff that we have to have, but you must have it to make sure you protect yourself and your family. And don’t like think that just because it’s this program or this interview today is about those things. It’s not you wait to hear Eric’s energy, he’s leveled up, he’s fired up. And the knowledge and I guess he’s gonna drop you just about life in general is fantastic. So sit back, relax, break out your notebooks, because here comes our really good friend Eric Silverman from the voluntary disrupter. Let’s level up.

Unknown Speaker  1:14  

Time to shine today. podcast varsity squad is Scott Ferguson and I got the voluntary disrupter himself. This man has been featured on Fox Business. He’s been featured on just the who’s who of the if you want to disrupt So, the man is awesome. His name’s Eric Silverman. He’s considered one of the most recognized authorities and disruptive forces and the enhance employee funded benefits. So it’s formerly known as voluntary, widely known as a subject matter expert with nearly 20 years of Employee Benefits sales, marketing, management and recruiting experience he’s often sought after and interviewed by various industry journalists is routinely routinely asked to deliver keynote speeches and speak on various panels at many nationwide industry wide national industry wide conferences. So Eric, thanks for coming out. Brother please come on in just use yourself to the time to shine today varsity squad. But first, what’s your favorite color? And why?

Unknown Speaker  2:12  

Orange Baltimore Orioles?

Unknown Speaker  2:16  

in orange is like a fun color to man. You know, it’s funny, like Baltimore, by I wore number eight, you know, cuz I played baseball kind of a level. And we’re number eight be for two people. Cal Ripken. And Gary Carter. Those are my demo product of the 80s. So they both were number eight. So I mean, I really appreciate you Come on, brother. Absolutely. It’s a pleasure to be here. Thanks

Unknown Speaker  2:37  

for having me.

Unknown Speaker  2:38  

You’re very welcome. So let’s get to a little bit of the origins of Eric, like we’re just start and then kind of move into this voluntary disruption rather.

Unknown Speaker  2:47  

Yes. So you know, I started when I was 1819 years old, in college as an intern. By accident in the insurance and employee benefits world, I thought I was getting an hourly job to work just for a marketing internship. And one thing led to another and the guy I don’t want to say was bait and switch. But maybe it was he kind of started saying, hey, let me teach you how to sell insurance of all things. And, you know, I promise there’s nothing sexy about insurance. I never dreamt of selling insurance. And I actually did well, I liked it. personable outgoing people person. And one thing led to another graduated college in 2002. started my own independent agency went on to become the largest agency in the country. With the carrier I was representing at the time, we were doing 12 million bucks a year in insurance premiums, which for our line of the industry is pretty much the top you can get. And I just had a blast. So it was really an accidental position. Love it.

Unknown Speaker  3:47  

So what was that was the fork in the road moment, the person that just kind of said, hey, you’re you’re Built to Sell?

Unknown Speaker  3:55  

Not Not exactly. It was just it really was just an accident. I mean, I was I was bored to tears, helping him file claims and do an administrative secretarial receptionist type work. So and I was making a couple bucks an hour and I said, Hey, I don’t want to do this I want to do with that guys do and he was a sales marketing intern. And my mentor or leader at the time said, Well, you know, that’s commission only and I was like, I don’t care. What do I have to lose? I’m, I’m living in an apartment in college, I don’t need to make much money. So I gave it a shot and started enjoying it and doing well. And here we are 21 years later, and just kickin ass and having a lot of fun.

Unknown Speaker  4:34  

Now, what kind of insurance

Unknown Speaker  4:36  

so we’re regulated by the quote unquote, health insurance industry, but I’m not a health insurance advisor or broker, I don’t sell health insurance. So you wouldn’t call me if you were interested in getting a standard old fashioned Blue Cross plan. I am the guy that helps round out the total employee benefit package, the benefits that that I specialize in are typically known in the industry as quote unquote, voluntary insurance or voluntary benefits. So disability life, dental vision, and a whole slew of other different programs that are really important to have, in addition to health insurance, but I frankly hate the word voluntary. I think it’s the shittiest word ever. I don’t know if I can curse here, sorry, whatever you want. But you said you were on satellite at some point. So the funny thing is, it’s just a dumb term for the industry. So I’m single handedly, for the last many years trying to rename the industry from voluntary insurance to what I call enhanced benefits. And the reason being is everything we do is just designed to fill in and enhance and complement a major medical health insurance plan. And let’s just be honest, right? Everything we do in life is voluntary. It’s voluntary for you to have me on your show. It’s voluntary for me to be here. It’s voluntary for somebody to get insurance. It’s voluntary for them to put $1 in the vending machine and get a soda for heaven’s sakes, absolute voluntary benefit term is stupid because everything is voluntary.

Unknown Speaker  6:05  

Got it. So is that the whole disruption is one to change it to enhance benefits? Is that what the basis of volunteer disruption is? or?

Unknown Speaker  6:15  

Yeah, exactly. So like, when I created my, my business logo, I told my graphic artist person, my story, and she, she had one of her I don’t know if you know how a lot of companies like Amazon and Wendy’s, they have subliminal messages in their logos, Mom, so I’m not exactly x with arrow. I’m not that creative. But she was able to subtly do one for me. So in the word of voluntary disruption logo, if anybody’s curious, they check it out, you’ll see a subtle, thin line across the word voluntary. And that’s on purpose, because she’s crossing out the word volunteer.

Unknown Speaker  6:49  

Love that dude, I’m looking at it right now. And go soon, in squad go to voluntary disruption.com. So if I’m at a networking event, which here in South Florida, we’re able to do a little bit of press and flash, but most of it like yourself a lot of zoom in and stuff like that. What are people saying to me that would maybe make them a good prospect referral connection for voluntary disruption?

Unknown Speaker  7:13  

So great question. Yeah, I mean, the reality is, I don’t have a direct to market sales team. So for the better part of 15 years, I hired and trained 1000s of interns and salespeople all across the United States, to quote unquote, sell our programs and services. And that was fantastic. But ultimately, I got sick of running an adult daycare center. But the reality is, it was a I made a lot of money, did a lot of great stuff had fun, but it was a pain in the ass. So look, when I know the time, right? Oh, my God, it’s truly an adult daycare center. Yeah, so so when I left that line of the industry and wanted to do something a little bit different, I said, I wasn’t going to hire any more salespeople. So instead of me going direct to the, to the employer, because everything we do is employer focused through business owners, and to round out their benefit package. Now, I don’t go to employers, my team and I we go direct to the people that do that, ie the health insurance brokers, the people that have a client roster, a book of business, they are typically the experts on health insurance, but they will admittedly and candidly, tell me very clearly that they suck at the things that I do. And good news, I suck at the things they do. So it becomes a terrific partnership. So we have clients, in almost every state, we have partners in almost every state. So a partner for me is really just anybody that has the ear of a C suite executive.

Unknown Speaker  8:39  

Love it. And I love it that there’s that reciprocation between the two kind of parties where, you know, you suck, they suck, you’re good, they’re good. And you guys can work that off of each other. So what would you call yourself in? Are you a consultant or a coach? So?

Unknown Speaker  8:54  

Yeah, I mean, at the end of the day, you can call me a tomato. I don’t care what I call me, but I guess the industry would call me a broker, brokers broker so we help the insurance industry brokers who go direct to market we help them so in essence, we’re a brokers broker,

Unknown Speaker  9:09  

brokers broker got it. So what like your family’s military, everybody, you know, is kind of military. You went to college? What did they think about kind of the choice you made to go out and at first, you weren’t big now you’re bigger, and you’re growing expeditiously exponentially. What do they think about that?

Unknown Speaker  9:30  

Now they love it. But my you know, I’m what’s the old saying everybody who never went to the military, you’ve already they’ve told you this a million times. I’m a lover, not a fighter. Right, right. I’m not a lover. I’m not a fighter, either. I’m just a business person who likes to make a lot of money. And the reality is, you know, my family went into the military. I chose to go the business route. And when I started as a college intern, and started doing well, it was fine. After I graduated, my dad said to me, hey, when you’re gonna get a real job I am what he means by that is go get a W two paycheck from somebody who wants to trade dollars for time and vice versa. I had no interest in that I said I have a real job. It’s It’s, it’s, I have my own business and I’m going to continue to grow and build my agency outside of college, sign my own lease, hire some people, you name it, he thought I was flippin crazy. But within a couple years or less, he was asking me to buy him a truck after he realized that I did the right thing. And I was making a lot of money. So then not so much, but now. Now it’s good.

Unknown Speaker  10:31  

I love it. I love it. So like, you’re you if you’ve trained 1000s of interns. So you’re you’re a leader and you’re subconsciously probably like the leadership was kind of in you just because all the military that’s in your background. So what to you, Eric makes a great leader.

Unknown Speaker  10:51  

You know, if you asked me that question a decade ago, I would have given you an entirely different answer. You know, when I when I started in, in management, leadership, whatever you want to call it hiring people, I was a totally different person than I am today. So back then I would have you know, my answer would have been something to the effect of, you know, a great leader, you know, cliche true stuff, but gives lead lead by example, and all the nonsense that you hear which I agree is true, true, right. But at the end of the day, I was kind of an asshole back then, like I was more of a tyrant leader, I was more of a Get your shit done, you know, everybody replaceable type person, you know, you know, you don’t need to be here, get out, I’ll find somebody else. And over the years, I guess I’ve become soft with my old age, I I’ve grown into a different type of leader. So I don’t like the cliche, servant leadership. But at the end of the day, I value my people now more than I ever did. And that’s probably selfishly because I don’t want to go recruit anymore. So sure people I have I take care of like crazy. I want to make sure that they stick around forever. Yeah. Because recruiting and training new staff is a pain in the ass. So from a leadership perspective, I think it’s important should lead by example, but these days, I would say transparency, vulnerability, openness, traits that you don’t often hear, but these days is becoming more and more, you have to,

Unknown Speaker  12:13  

if not, people can just kind of up and leave. And which is sometimes good. But sometimes you might nail that diamond in the rough. You want to hold on to them. So the vulnerability and the transparency a lot of times we’ll hold on to a man I was just like you, like in Oh 304 and I was printing money. But bro, it was like I was losing people left and right. I was tyrant. I was like you don’t like and that’s because I was mentored by a tyrant. You know, saying,

Unknown Speaker  12:37  

dude, that’s that’s I don’t like to use that as an excuse. But 100% of how I learned I didn’t have experience prior to some guy teaching me how to be a leader.

Unknown Speaker  12:46  

Right? Absolutely. So you saw the movie Back to the Future? Who didn’t? All right. All right, my man, so let’s get that DeLorean with Marty McFly. Let’s go back to the 22 year old Eric Silverman what kind of knowledge nuggets so we call him here time to shine today. Now let’s focus you drop it on him to maybe shorten his learning curve blast through and level up a little quicker.

Unknown Speaker  13:05  

Don’t be a dick.

Unknown Speaker  13:09  

It’s a love it it listen right God gave you one mouth and two ears for a reason. Man listen and empathetic a little bit. Probably what I’m hearing right?

Unknown Speaker  13:18  

Yes. Love it.

Unknown Speaker  13:19  

So we talked a lot about the dash your time to shine today. How do you want your dash remember that little mark and by the way, I got the dash from from Ray Lewis. I know you’re not a football fan. But if you live in Baltimore, I

Unknown Speaker  13:31  

know Ray Lewis. Sure.

Unknown Speaker  13:32  

Yeah. So that that little line between your incarnation date and your expiration date you’re left with nothing. How do you want Eric stash remember?

Unknown Speaker  13:41  

genuine passion giver. You know, I like to. And this is something that I will say I’ve always been even in my early 20s was, you know, I like to give more than I receive. I just expect that when I do give that it comes back in 1020 fold. years ago, I expected that more than I should have. And if it didn’t happen fast enough, that’s where I became more of a tyrant. Nowadays I just give and give and give and whether or not anything happens. That’s okay with me there are people that I take care of to the nth degree all over the country that I don’t even do business with and I may never and they’re not even a prospect of mine sure, but I just enjoy. I just enjoy the feeling of helping others and you know, fortunately the insurance Employee Benefits business has been good to myself and my family. We worked hard for it. But you know, I have I have the opportunity to give back a bit.

Unknown Speaker  14:34  

I love it. I love Do you have kids and stuff? I do okay, on those values to your children.

Unknown Speaker  14:41  

Literally showing them you know, as an example we do things throughout the year, but every single year in fact, we’re proud of this. This, this we’ve been doing this for six, seven years now. We we go to local stores we used to do the whole backup saying we used to do the whole ask friends and family for toys and donations. So we can all make one big thing for Christmas. But frankly, I just had no time for that it got boring and people will let you down when you say, you know, will you give me one toy please to donate. So I just said, Forget it, I have some bucks. So we just take the kids to the store, and we let them spend literally hundreds and it’s now turned into 1000s of dollars. And they can’t buy anything for themselves. And it went from toys to anything household related from gloves and scarves and socks, you name it, and we just donate it to the homeless, and folks in need every year and this past year 2020. In early December, we went on our shopping spree. We spent a record amount of money. And it wasn’t it wasn’t a goal. It was not like we go in every year trying to beat it was just my daughter said can we do some things extra special this year, people are hurting more than usual.

Unknown Speaker  15:48  

Wow, for your daughter to say that that’s like, kind of feeding off of pops there. You know, I

Unknown Speaker  15:54  

can think so.

Unknown Speaker  15:55  

Congratulations on that. More than me. But but come on. You know, it’s like we’re you know, we might be the head of the family. But the lemons a neck and they turn the head. So Oh, yeah, I feel your trust me. I live that. It’s awesome. So Eric, if you were you built a lot, man the past 21 years, bro. So if you were to lose everything, what’s the first thing you would do to get back to rebuilding?

Unknown Speaker  16:18  

What would that be? If it was in the employee benefits and insurance world if I wanted to stick with what I know, I would just, I would frankly just go back and do what I did six, seven years ago when I branched off into a different line of the business, because I’m enjoying myself. So it’s interesting. I say this to two folks that asked me folks in my past life in my former life of being that tyrant, people say well, what’s it like doing some different things still in the industry, but doing it differently? And I still tell them to this day. I’m like, If you value money more than time right now in your life, whoever’s asking me, I tell them to keep doing what they’re doing and burn themselves out or not. That’s their call. I would make more new money right this moment if I went back to doing what they were doing, but I have no interest in that. So um, you know, I guess it’s it The answer is twofold. If I really just needed to make a lot of money, I’d go back to the old life. But ultimately, I’d much prefer to just start over with what I started six, seven years ago when I rebuilt my agency.

Unknown Speaker  17:20  

Love it. I love it. And you build it also a lot with a servant’s spirit. Yes, I mean that in air quotes, if you’re watching on YouTube, right. Got it. So what keeps me up at night?

Unknown Speaker  17:31  

What keeps me up at night, you know, not much. It’s It’s crazy. It used to be, you know, artificial quotas and sales goals and make more, make more, make more. Gotta have more gotta have more. But these days, quite candidly, I mean, I don’t I don’t know. I mean, there’s really not much even when I have massive projects and clients going on and, and huge keynotes, I’m preparing for nowadays, still virtual keynote or, and I’m doing a lot of projects, I sleep well, because I don’t have the pressure that I used to put on myself. At the end of the day. I’m very authentic and transparent with my clients and I tell them, Hey, we’re gonna get you something done. And if there’s a challenge, we’ll let you know, you know, at the end of the day, we’re all human and mistakes happen and we just have to roll with it. Love it. And that’s a transparent answer to That’s fantastic, man. So

Unknown Speaker  18:18  

what is Eric’s definition of a life well lived

Unknown Speaker  18:22  

a life well lived. I you know, again, it’s really to 10 years ago would have been a different answer. Nowadays. It’s it’s still cliche, but nowadays, it’s family and, and, and success. And real quick to be clear, I don’t define success as how much money you’re making. I define success as the life you’re enjoying. And are you doing what you want to do? Right? Like it’s easy to tell somebody we hear this all the time we tell people if you’re not happy with what you do, you know, Gary Vee says if you’re not happy with what you do for living, change it you know, you can change it like switch careers. that’s easier said than done. I love Gary Vee. But everybody knows it’s easier said than done. For me. I enjoy what I do. So therefore, that’s a life well lived. My father worked for the government here in Maryland forever, made very little money, hated his job with a passion always wanted to quit came home miserable every night. I love my dad, if he listens to this, he’ll agree with it. But he wasn’t in a position mentally or financially where he could just up and quit. So he did what he had to do to provide

Unknown Speaker  19:26  

awesome man I appreciate success is living the life that you want to want to live when you want to live it and that’s awesome. And hey, we are back with my good buddy Eric Silverman from voluntary disruption. And Eric, we’re gonna move into the leveling up lightning round. All right, you got five seconds to answer a question. No. No. explanations. We just go right through these All right, brother.

Unknown Speaker  19:52  

Okay. Yeah, let’s

Unknown Speaker  19:53  

do it. Let’s level up. What is the best leveling up advice Eric’s ever received.

Unknown Speaker  20:00  

Don’t stop doing what got you here in the first place with respect to career growth love it

Unknown Speaker  20:07  

share one of your personal habits that contributes to your success

Unknown Speaker  20:11  

passion and and and really living the the business and life with purpose.

Unknown Speaker  20:18  

Love it purposes key other than your own website voluntary disruption.com and of course time to shine today.com and shameless plug. What website Do you like to go to to level up?

Unknown Speaker  20:31  

Cheese? You know I’m a big I’m a big tech guy. So I like to see what’s going on in the world new innovation so I like cnet.com as crazy as that might sound. that’s legit.

Unknown Speaker  20:41  

So if I’m in my doldrums it’s not feeling it. Gotta get going. And you notice it like for you read this book? What’s the book? Ah,

Unknown Speaker  20:50  

easy. Gift ology BY JOHN ruhlin

Unknown Speaker  20:54  

gift ology frickin book, dude. Have you read it? Oh, yeah, yeah,

Unknown Speaker  20:58  

I’ve read. He’s a good buddies is fairly. Okay.

Unknown Speaker  21:02  

Okay, what’s your most commonly used emoji?

Unknown Speaker  21:05  

Oh, dude, my daughter asked me this last night in the car. And for me it is the it is the muscle sign the muscle,

Unknown Speaker  21:14  

man, my man. So don’t frickin lie about this. Okay, what if you could be one age physically for the rest of your life with the knowledge you’ve acquired and still be able to acquire knowledge? What physically what age would you be?

Unknown Speaker  21:30  

Oh, 29 buddy forever. 29

Unknown Speaker  21:32  

Dude, I always say 20 to 32 Dude, that’s my jam. So who’s had one person that has had the biggest profound impact on Eric’s life?

Unknown Speaker  21:46  

Wow, personal would be my mom and business wise would be my uncle.

Unknown Speaker  21:51  

Beautiful. favorite charity and organization you give your time and or money to you might have said this already. But

Unknown Speaker  21:57  

well, I didn’t mention them. But yeah, it’s the it’s my the county I live in in Maryland is Harford County. And we always donate to the Harford County Christmas drive.

Unknown Speaker  22:04  

Beautiful, beautiful. Last question. And you can elaborate on this one a little bit. But what’s the best decade of music? 60s 70s 80s or 90s?

Unknown Speaker  22:14  

Oh, geez.

Unknown Speaker  22:16  

I it’s embarrassing, but for me, I

Unknown Speaker  22:19  

gotta say the 90s 90s not it’s all good, man. I mean, all all of them are great decades. I mean, I’m an 80s. Baby. So um, yeah, big hair. Don’t care. Randy. It was a toss between 80s and 90s. I mean, you get in the 90s. You got the garage bands, the garage. It’s like it’s freakin phenomenal music. Absolutely, brother. So tell us about the rock stars rocking podcast, which I seen the subliminally I hope I can interview on

Unknown Speaker  22:42  

that. Absolutely. Yeah. So like you You started yours as a passion project. I’ve always had it on my list, but I never made time for it. It’s not I don’t have time as we all know, it’s you have to make time and COVID pandemic allowed me to make time for it. So it’s really hashtag rockstars rockin rock stars rockin calm. And it’s really my dream was always just to interview folks who are rockin crushing it doing well in life, whether business whether personal, interviewing, whether they be celebrity types, authors, industry, insurance people doesn’t matter. And I just had a blast doing it. We just dropped Episode 2525 straight weeks we’re not as rockstars you yet we do one a week. But it’s just fun. We don’t have sponsors. It’s really bite sized pieces of information. 20 minute interviews in and out and Dude, I’m learning just by watching you interview me so I appreciate that.

Unknown Speaker  23:39  

Also, so how else can we find you volunteer disruption calm is probably the best way to go.

Unknown Speaker  23:45  

Yeah, my social media platform of choice is LinkedIn so follow or connect with me there on social? Exactly. Instagram rockstars rockin calm voluntary disruption, calm. Those are the best places and my personal cell phone is on my websites. That is me I don’t have a service you know, it’s we’re salespeople I’m a salesperson, so I don’t hide my cell phone

Unknown Speaker  24:08  

tech. Love it on me, you

Unknown Speaker  24:09  

name it.

Unknown Speaker  24:10  

I love that so and all that will be in the show notes squad. So just go down there and check it out. Make sure you check out rockstars rocking after this. Episodes ends of course. But Eric if you don’t mind, please leave us with one last Knowledge Nugget you want us to take with us internalize and take action.

Unknown Speaker  24:28  

Just do it.

Unknown Speaker  24:29  

You know Nike had it right? And they still have it right to this very day. You know, there’s never going to be perfect time I got younger friends and family and people I meet who always asked me, you know, geez, I’m thinking about doing this. I don’t know if it’s the right time. Well, that’s just like when my wife and I said, you know, hey, when are we going to get married? It’s never gonna be the right time when we have kids. It’s never gonna be the right time when we start a business it’s never gonna be the right time. Just put your big boy pants on and do it.

Unknown Speaker  24:53  

Yeah, do it. You know, my my mentor which the other mentor that I respect also, you know, you always said do it scared. You know, I’m saying Just do it man just get

Unknown Speaker  25:02  

out there and do it fear fear is not a weakness no

Unknown Speaker  25:04  

it’s not thrive on that fear man I learned that just with the stuff that operations I used to do in the storm Desert Storm and and whatnot that kind of learned young if you will and move forward and squad you just had like a free masterclass my really good friend, Eric Silverman from voluntary disruption, you know, he builds a company that helps round out in total total employee benefits, the voluntary benefits like disability, life, dental, vision, etc. And they’re, again, they’re voluntary enhanced benefits instead from voluntary. Eric wants to transition that term to enhance benefits instead of voluntary because I agree with him like voluntary, it’s like, you don’t want to get the shit, you know, because that would be volunteering for these are enhanced benefits that will level up your life. You know, he says a good leader values people with change and also as transparency and vulnerability, he would tell his younger self and I would too by the way that don’t be a dick. Be a little bit more empathetic listen to people God gave you one mouth and two years for a reason Shut your mouth and learn from something his dad is going to be remembered as someone who’s genuine, passionate and a giver. very family oriented, what he does with his kids to go out to a store and buy stuff for other people. That is planting the seed of generosity that is playing the seed of growing and being a progressive person in life so this kids are gonna grow up to rock just like he does. You know in success in Eric’s life is in his definition is live the life you want to do want to live when you want to live it and how you want to live it that success not so much the monetary in the money, but living your life. And he’ll tell you don’t stop doing what got you here in the first place. You can always level up the aspects of it. But don’t stop doing what you what you’re doing. And also little from a little bit of Phil Knight to shoe dog himself. Just do it. And that’s what Eric does. He levels up itself levels up as well levels up his family life. He’s humble yet hungry. Thank you so much for coming on, Eric. It was a blast. I’m completely blessed. Thank you again, brother.

Unknown Speaker  27:05  

Hey, thanks for having me.

Unknown Speaker  27:06  

But you bet. Hey, thanks so much for listening to this episode of time to shine today podcast, proudly brought to you by southern New Jersey real estate real estate excellence who can be reached at 561-249-7266 and online at www dot Sutter in nugent.com. If you’re a business owner or professional who would like to be interviewed on time to shine today, please visit time to shine today.com slash guest. If you liked this episode, please subscribe on Apple podcasts, Google podcasts, Stitcher, Spotify, I Heart Radio or wherever you get your podcast. There’s a link in the show notes to our website. Also there you will see a recommended resources. We hope that you will support our show by supporting them. If you like what you have been listening to, it’d be great if you could just give us a five star rating and tell your friends to subscribe while you’re at it. I’m your host Scott Ferguson. And until next time, let’s level up. It’s our time to shine.

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