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Speech Transcript (very little editing so not exact)

Unknown Speaker  0:17  

Let’s level up time to shine today podcast mercy squat. This is Scott Ferguson and I am super stoked to bring you this episode number 271 with the author of the Foundation for Financial excellence, and he has got a company called a must win and he works with athletes, whether at the college level or pro level, and he works with educating them about finance, not about you know, where you’re going to make your money or what not. They’re going to make their money. They know that you got to be smart with what they’re going to do with it. So I have a book giveaway at the end. You gotta listen to the end. It’s fantastic, fantastic book. I just literally finished it and it was a great read it was forward was done by the legendary coach Roy Williams. So without further ado, here comes my really good friend Ryan Schachner from a fount the author of the Foundation for Financial excellence and a company a must win. Let’s level up. Time to send in a podcast bursty squad, Scott Ferguson I got a fellow Midwest nerd face person here that was introduced to me by a really good friend Jason Holzer from 40. Athletes Big shout out to 40 athletes they rock back at Ryan Schachner here from a must win. Ryan is a former athlete who used their athletic skills to succeed after career ending injury. Now a best selling author focusing on helping athletic departments and protein strengthen relationships with student athletes through financial literacy, and maximizing post athletic opportunity programs. A must win empowers athletes by simplifying the complex and awakening athletes to opportunities and squat he also wrote a fantastic book, which we’ll get to towards the end of the show, which I will have a free book giveaway from time to shine today. So Ryan, thank you for coming on. Please introduce yourself the time to shine today podcast. Firstly, squad but first, what’s your favorite color? And why?

Unknown Speaker  2:08  

Ha blue and I have no idea why.

Unknown Speaker  2:12  

Ah, but I bet you there’s a red fire in there somewhere man being a former athlete, competing brother, especially from the Midwest because we’re always kind of back shelved a little bit. No one believes in us because it’s cold nine months of the year. can’t play. Um, so let’s get to the origins brother. Let’s let’s tell us a little bit about Ryan and and we get some rock star questions here ready for you?

Unknown Speaker  2:33  

Yeah, absolutely. Yeah. So you know, a baseball player that thought that was gonna I was gonna live my dream and go play in the Major Leagues scouted from a really early age. I remember the Braves is back in the 90s when the Braves were the show I mean they were the deal. Had a scout you know keep in touch with me all the way through high school, go to college, blow out my shoulder and had to realize that you know my dream was done and but I couldn’t just sit there and let life happen to me so I decided to you know, at that point not be the best student man I gotta I gotta I gotta get after it. I got to find an internship got into the financial services moved down to Charlotte, North Carolina. Fast forward 22 years independent financial planning firm, and read in multiple states multiple advisors really killing it probably one of the fastest growing in the southeast. And then COVID hit and that’s when I you know, seized a new opportunity and created a must win and man it’s been a dip and live in the dream ever since

Unknown Speaker  3:38  

we’re in a must win kind of come from? Yeah, so

Unknown Speaker  3:41  

I have met before COVID Shut the world down a basketball player from UNC Charlotte reached out he wanted to internship get into the business super sharp kid. Through our conversation. I’ve realized that they weren’t getting any sort of financial literacy information and you know, UNC Charlotte, it’s not a power five but it’s not insignificant by any means. It’s still a really large university. And I was just I was surprised right? And then that was still when name image and likeness was being talked about coming out, right? It wasn’t a done deal yet. And I’m like, man, these guys, they need something right. So you know, it turned to a presentation with the basketball team turned into a book which turned into a best seller and I think only because it launched you know, when name image and likeness went live in July, launched like a week later. And so you know, it was really just a happy coincidence, I think on that one. So,

Unknown Speaker  4:38  

love that man. So you work one on one with clients, athletes or just regular regular, you know, the people out there that help them manage their money.

Unknown Speaker  4:47  

So I do have my firm but I wanted to separate from everybody else because as I as I was doing this book, I kept getting introduced to more and more professional athletes and the stories repeat Regardless of sport were eerily similar, right? They were super skeptical. You know, the the Major Leagues or the NFL, they have guys that come in and talk to them. But it’s never about empowering the athlete with the knowledge, it’s always about, hey, I’m better than that guy. And, you know, this is why I’m better. And so, you know, they said it, when I told them about the concept of just being an educational platform, where they can come, they could know that they’re not going to be led the wrong way. They they loved it, and, and, you know, my network, then with athletes kept getting bigger. And so I really stick to that as a, you know, I don’t work, I don’t invest their money, I can audit some of their stuff and have a second look, I will do that. But that’s as far as I go down that road. Because again, I just want to be the education piece to what they’re getting, if they have a question that, you know, they know that they can come and they can trust the advice that we’re going to give, because we have no, there’s no skin, there’s no skin in the game, but sure, right, they go out and they can find their own people and that sort of

Unknown Speaker  6:08  

thing. So what’s unique about your platform,

Unknown Speaker  6:11  

it’s education, only everybody else, really, there’s, there’s very, very few people in this space. It’s probably why there’s so many, you know, problems that that athletes run into. But, you know, it’s education only, whereas everybody else that’s in the space is, you know, they’re they’re also trying to acquire the people they’re talking to as clients and right, we draw the line there, we don’t want we want to be the education piece. We want to empower them to manage their own stuff. I

Unknown Speaker  6:40  

love that. I love it. So when you’re when you’re meeting with somebody to put them starting through education, maybe you’re in the discovery process. What is your secret sauce, if you don’t mind sharing a little bit of helping them find their blind spot?

Unknown Speaker  6:53  

Yeah, so I, you know, I wasn’t the best student average is probably an overstatement for two. And I just realized that man, you we have to be able to speak a common language and the common language regardless of male or female, you know, track athlete, football, player, lacrosse, tennis, whatever it is. We all speak the same language. It’s the language of sports. And so I relate everything, every topic we talk about, whether it’s credit or taxes or budget.

Unknown Speaker  7:26  

Metaphorically, right, or, yeah, do me.

Unknown Speaker  7:29  

It’s just really simple. It’s awesome.

Unknown Speaker  7:32  

Yeah, that’s fantastic. So when these people come to you, they these athletes, and they start coming to Ryan, at a must win? Is there any good question that you wish they would ask you, but never do?

Unknown Speaker  7:47  

You know, so what? I’m athletes and egos right, and better? Yeah, absolutely. And so no, they don’t? It’s it’s how can you know, they always ask me, you know, what should I invest in? Sure. I don’t know. Right? Because there’s so many factors. wish they would ask you. Yeah, you know, I just wish, how can we get this spread this word out? How can we make this more accessible to, you know, to whether it’s athletic departments, which we work a lot with, and even proteins? How do we, how do we just blow this thing up, so that athletes aren’t taken advantage of anymore?

Unknown Speaker  8:22  

How’s your relationship with agents?

Unknown Speaker  8:25  

I don’t work with any agents.

Unknown Speaker  8:27  

Okay. Don’t get me back. The reason why I asked that, Ryan is that, you know, the agent makes them their money, in a sense, right? I have some very powerful sports agents that are friends, they make them their money, but then you’re having you educating them how what to do with their money. So how, like, you’ve never had any blowback from agents. That’s awesome. Right?

Unknown Speaker  8:45  

I’ve never had any blowback because again, I’m not recommending they put money in something specific. Right? If they want to do crypto if they want to do real estate, if they want to do investments, start a business it is it doesn’t there’s people that make tons of money and all of those things, right. So right it’s more about the athlete understanding Hey, what are the risks? What are the rewards? Do I understand how I’m going to how I’m going to make money employee income out of this thing gotten in and that’s what I’m about right? Love find who you if you want to work with your agent Great. Do you have a buddy that does something perfect? Oh, damn, I don’t care.

Unknown Speaker  9:23  

Protected. Yeah, right. Yeah. Because you know, there’s the the theory of relativity happens and it happened to me when I started making money. It’s like, once you make money everyone’s your relative, right? Everyone’s coming they’re going to give you their money bro Give it to me and happen to me, you know, and I lost a lot from I lost some friends. That’s okay. But I luckily I had some advisors I wish I would have known you you know at the time as well. Somebody could help me level up through that that spot so then if I’m out, you know, at a networking event, which here in South Florida, they’re all over the place and pressing flash meeting people. If you know I kind of see Shut my mouth and I listened a lot is so my mentor taught me but what am I listening for the hat to know if somebody is a good prospects or referral or connection for a must win?

Unknown Speaker  10:12  

Yeah, so it’s really if they have played a sport at the collegiate level, or somewhere in the professional ranks, and they can get us connected to that athletic department. Because, you know, one of the unique things is we so we’ve come out with tons of video type content that doesn’t actually cost the athletic department a dime, which coming off COVID And, you know, so we figured out a way that yeah, we can be profitable, but the athletic department has this burden has been thrown on them for is because the name image and likeness now

Unknown Speaker  10:46  

yeah, one nil happens, bro. It’s gonna be another world, bro. Yeah, that’s right. Yeah, it sorry. You’re right. It’s already crazy. So what do you think then? Ryan strengths are?

Unknown Speaker  10:59  

Yeah, it’s it’s making and simplifying complex issues and making it relatable and understandable, but also giving them an easy way to implement. Because it doesn’t matter if you tell good stories. If there’s not a simple way for them to implement what you’re talking about, then it’s it’s irrelevant.

Unknown Speaker  11:18  

That’s an awesome strength, brother. That is fantastic. So what’s your limitations?

Unknown Speaker  11:25  

You know, my mind. So you know, I get them, right. Yeah. What’s held me back is that, you know, I worried a lot about what people thought of me, right. So if I were to do a talk, you know, what is that person in the back row? What are they thinking? I mean, and so when I got to the point of, I don’t care what they think, right? Like, I’m

Unknown Speaker  11:49  

never gonna meet that person. I dragged you. and I were like, I don’t know. How old are you, brother? If you don’t mind? Sure. 42 Okay, so I’m 49. So I’m a little bit older than you. But you and I must have been somewhere in this universe connected because I make a resolution every year New Year’s. And one is to make someone smile every single day. In to as long as I haven’t hurt you. took from you stole from you. Anything I give zero. You know, what’s what you think about me? Yeah, that’s something that that was a hard one to get over because you’re an athlete, brother. I was an athlete. And it’s like you’re trying to perform to the best of your ability. Because you have fans that frickin care, right? Yeah, it’s okay. That’s awesome that you said that man. Appreciate you saying that. So right if you seen the movie Back to the Future. Yeah, absolutely. All right, let’s get in the DeLorean with Marty McFly. Okay, let’s go back to the double Deuce the 22 year old 20 years ago, the 22 year old Ryan Shakur. What kind of knowledge nuggets we call here time chanting, what kind of knowledge? Are you dropping on Ryan to maybe help with shortness learning curve level up and last through maybe just a little quicker?

Unknown Speaker  12:54  

Yes. So you know, I think life is all about relationships. And, you know, in with starting in the financial services business. At first, I thought it was about sales, right? And yes, it’s about sales. But the more that I started to actually care and try and understand and like you just said, listen to what people are saying is the quicker that everything started to happen for me. So I would say, you know, life is about relationships, invest more in those worry less about the results. And and, you know, I wish I would have learned don’t care what people think a lot.

Unknown Speaker  13:33  

No, bro. Again. Oh my gosh, yes, yeah, unless it’s a critical situation where, you know, you’re trying to sign Texas a&m or something, then you can write with it. But other than that, you, you really just can’t. So how does Ryan want his dash? Remember that little line in between your incarnation date and your expiration date and your lifetime death? And how do you want that dash remember, right?

Unknown Speaker  13:57  

impact? Impact? And so, you know, it’s just how many people can I impact with the knowledge that I’ve that I’ve gotten? How many lives can I change that I may not even know about? Right? Some kid, you know, might hear something I talk about, and he’ll teach that to his kid. And, and that kid might cure cancer. Yeah, right. So and I wouldn’t have no knowledge of that. But it’s the it’s the thought that because I’m giving especially you know, talking to some of these athletes, the communities they come from, it’s heartbreaking, right? So if we can change some of that, for some of these kids, and just with planting the seed, that they could be something more than just an athlete and they have the same potential as anybody else. You know, it’s impact you know, let’s let’s let’s do it.

Unknown Speaker  14:51  

You’re planting trees. You’re never gonna sit in the shade bro. You’re not I’m saying that’s frickin awesome. I love connecting with you know people with you light like you. So what And, Ryan does. You think people misunderstand about you the most?

Unknown Speaker  15:06  

You know, that’s great. And now I don’t really care. Right. So Right. That’s, that’s the, that’s the, you know, I think they you know, when they see financial advisor and I still have that company and they see what I’m doing now stigma that yes, yes. Stigma. Absolutely. And it’s, you know, I’ve got some sort of hidden agenda that I’m trying to

Unknown Speaker  15:27  

write. I’ve been a real estate broker for 22 years row, so I feel Yeah. Yeah, yeah. Okay. That’s also what keeps Ryan up at night.

Unknown Speaker  15:40  

You know, it’s just making sure you know, honestly, it’s got nothing to do with business. It It has everything to do with you know, I’ve got two kids and a wife and I want to make sure that I’m present for them. And when they look back, right, if I were to, you know, kick the bucket tomorrow, when they look back, and they say, Hey, he was this is all the stuff he did. And I remember him being there and being a part of stuff and not having, you know, any regrets of God wish would have done this right of it. I think it’s making sure that I’m making that sort of impact on on my family.

Unknown Speaker  16:17  

Love that brother. And let’s take out of this equation of this question. Anything electronic, no, computers, cell phones, what? Anything like that, but what are three things that Ryan can’t live without?

Unknown Speaker  16:35  

Oh, man, you’re a gym to work out for free go. Work out. Nothing I’ve met so much of our life is electronic nowadays. Yeah. So

Unknown Speaker  16:44  

we can show family in there if you want. Just kidding. Yeah, I mean, I usually say electronics and family out of the equation. I assumed that was,

Unknown Speaker  16:56  

uh, you know, I think the beach. I love being at the beach. And, and as bad as I am at golf.

Unknown Speaker  17:03  

Me too, brother. I stink. But I like to play. That’s, that’s awesome. And so what is Ryan’s definition of a life well lived.

Unknown Speaker  17:15  

It’s just impact and leaving it all on the field. And and not having a regret of I wish I would have done something. Knowing that, you know, I who knows what it would have turned into, right? I mean, average Fs student wrote a book I don’t know how many books I actually read cover to cover in my life. I probably count on one hand, you know, but I didn’t let that hold me back right. I still went forward and did it so not having a regret of I wish I would have done this or I wish I would have done that.

Unknown Speaker  17:47  

I love that. I love that you just get busy living or get busy dying. Well my little you know, quote from The Shawshank Redemption, another top five movie of mine. That’s without a doubt bro. Time to shine today podcast. First you squat and Scott Ferguson. I got my boy from a must win. Ryan Schachter and Ryan, you and I could talk in our easy on each one of these questions. You got five seconds with zero explanations. And we will keep asking questions. All right. Well, we’ll overtalk you so first thing comes your mind and let us do all right. All right, there we go. Let’s level up. What is the best leveling up advice Ryan’s ever received? Think bigger. Yes. share one of your personal habits that contributes to your success. Routine. Wake

Unknown Speaker  18:30  

up at 430 work out. Family focus on what I’m going to do. And then go to work

Unknown Speaker  18:38  

self care time, baby. I love that. So other than Foundation for Financial excellence. If you see me walking down the street, my doldrums like Fergie’s, it’s not standing tall right now man. What book are you handing me?

Unknown Speaker  18:52  

Tim Grover, relentless, relentless

Unknown Speaker  18:53  

baby. There you go. Love it. Your most commonly used emoji when you text

Unknown Speaker  18:58  

the facepalm

Unknown Speaker  19:02  

so don’t lie to me on this one Schachner. If you could stay one age physically for the rest of your life, keep the knowledge you’ve gained, and continue to garner knowledge physically what age would you stay for the rest? Andre? Can I say 20 to 32 Brother the creaks and cracks aren’t there. You know? Thank you for being honest nicknames growing up. shocks. Culture. chess or checkers.

Unknown Speaker  19:29  

Checkers I’ve never played chess you two

Unknown Speaker  19:32  

very favorite charity and organization like to give your time or money to Down Syndrome associate Thank you for saying that brother. Frickin Thank you. Awesome. Best decade of music 60s 70s 80s or 90s. You can expand on this.

Unknown Speaker  19:45  

Wow. Wow. You no problem probably. So I grew up with my dad in the car listening to the 60s. So I would have to say it’s got to be the 60s

Unknown Speaker  19:57  

All of it. Love it man every one of those decades so Something to give, you know, I was born in 72. So it’s like the 80s was kind of my jam. But like you my dad was sitting there and you’re listening to like, Allman Brothers and you know, to Thin Lizzy everything else you’re like, Man that it’s awesome because my mom passed, but there’s just I keep the 70s music on when I’m actually editing podcasts, and it’s just the groove of my mom’s. You know what I’m saying? So like music can take you there like sound and vibrations, everything. That’s frickin awesome, man. So right how can we find your brother

Unknown Speaker  20:28  

so I’m on Instagram is probably the easiest way at a must doubt when love it LinkedIn. I’m really active on LinkedIn. And those are probably the two easiest ways email Ryan at a must win calm.

Unknown Speaker  20:42  

I love the posts you put up with Hank Aaron man, my motto was always to keep swinging, whether I was in a slump or feeling badly or having trouble off the field, the only thing to do was keep swinging in like we live here at time to shine today, like inch by inch. It’s a cinch by the yard. It’s hard. But they’re during the inch by inch, bro, you got to keep swinging. I love that you put that up there. So let’s talk about this best selling book. That is just a rock star. And with all due respect to you, I’m sorry, I haven’t gotten into it. I haven’t read it yet. But I will read it, I promise you. And I’ll do a whole review on it. But the Foundation for Financial excellence lessons from the pros, a game plan for the collegiate athlete talk to us about that.

Unknown Speaker  21:23  

Yeah, so really this is you know, how do we simplify finance. And so again, it was supposed to be a presentation that turned into a book. And throughout the process of you know, dict I didn’t type any of it. I dictated all of it right? Because I’d still be writing if I was if I was typing. And so it, it was meant to entertain, and be valued, make simplify and be easy to implement. And so when I say by entertainers, we talk about athletes that did stuff really good, and athletes that did stuff, maybe not so good people that we grew up watching and all the different topics. So talking about, you know, credit debt, verse loans, budgeting saving properly, how to prevent fraud, all those types of topics. And so we talk about people that did good, did bad, we relate everything to the language of sports so that regardless of whatever sport, it clicks, and then we give a really easy to implement game plan at the end of it, do this now and you’re not going to have to worry about bad stuff happening. So through that process, I kept getting introduced to all these enemies still all these athletes. I just got an email from Gus Frerotte. I mean, who would have thought right? And so quarterback the Detroit

Unknown Speaker  22:43  

Lions at one time? Yeah, my team. Yeah.

Unknown Speaker  22:48  

So then, you know, I get introduced to these guys, Roy, Oklahoma, Roy Williams. He does the forward brother. Yeah, he did the forward anthem. over 15 years in the NBA did absolutely all over take on the end of it. Talking about his perspective on each topic from being a professional athlete for 15 years. A really has been down in with the Jaguars, owns his own business now. He’s retired but he’s been really instrumental and just adding you know, input and advice and making connections and so and it’s really limited Marcus Ogden has been really big in making introductions. You know, they they all share the same grew they grew up different parts, right? They come from different scenarios. And but they all share the same story about not being an athlete being in the system and not getting really the tools that we

Unknown Speaker  23:43  

don’t I love it. I love I have to make an introduction to jug Collins with Northern Virginia shot Okay, cool. Okay, good dude, another use on my podcast a long time ago, great guy, as well. That’s fantastic, man and squad. We’ve just basically got a free, like masterclass, if you will, from somebody that is working with some of the highest paid people that walk and breathe air on this planet, and really educating them and the platform to help them guide you know, through their careers. They speak the common language of sport, and my boy Ryan has actually walked that walk. And he’s talking that talk, he is making it happen for the people and he’s growing at exponential pace. And this needs, especially with the mill that’s going on out there, this really needs to be brought to the forefront because these kids you know, your brain doesn’t start stop developing really until you’re 25. So it’s much these kids have got to learn this in no better place than my buddy here Ryan at a must when you know he’s makes complex issues simplifies them for them to understand, implement and take action on and that’s exactly what these athletes need is simple. They’re already going through complex shit by their coaches tell them how to run routes, everything else showing up at the same time. But if they can simplify something is magnitude additional. That’s my new word for today is money, then that that that’s that’s huge because again like I joke it was taught to me when I was younger the theory of relativity is when you make money, everyone becomes your relative everybody has their hands out. And Ryan is somebody that can help you guide you and educate you on how to do that he’s backed by some ballers. I mean, Roy Williams wrote the frickin foreword to this book. And you know, Roy Williams won the national championship at Kansas and North Carolina. He said, here’s a bench coach for some of the best coaches ever you somebody that I would definitely assume that someone like that takes the time to write for my boy Ryan, the foreword, you must must read this book. You know, he’s somebody that will be remembered is sliding across home plate, bumped, bruised, battered, but impacted people. He’s planting trees that he will never sit in the shade in. Because he’s a frickin go giver, guys, and that’s what we’re all about your time to shine today. You know, he’s someone that definitely leaves it all out in the field, man, Ryan, you’ve earned your varsity letter here at times time today. So you can add that to the collection. You level up your house you level up your wealth, man, you’re humble yet you’re hungry. I can’t wait to collaborate you on something that future brother, we’re going to get you on stages here in Florida, with my connections and definitely going to get you speaking. I love your guts. Man. Thank you so much for coming on.

Unknown Speaker  26:22  

Love. Appreciate the opportunity.

Unknown Speaker  26:23  

You bet chat soon. Hey, thanks so much for listening to this episode of time to shine today podcast. proudly brought to you by Sutter in New York 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/gust If you’d like this up, so 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 our recommended resources. We hope that you will support our show by supporting them. If you like what you’ve 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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