“What we focus on, becomes our reality.”
What are your financial goals for 2021? Entering into the New Year, we often talk about transforming our health, our relationships, and our careers – but what about our finances? I don’t know about you, but I’ve been guilty of making mistakes when it comes to setting goals for income, savings, and wealth creation. Fortunately, there’s no better time to change than now.
Joining me today to talk about this is Robert Gonzalez. Robert is the founder and CEO of MyBooks.PRO, a profitability and bookkeeping company that works with individuals and entrepreneurs. I’ve known Robert for fifteen years, and I was his coach back in 2009 – helping him with leadership and business strategies. Now, our roles have been reversed, as I coach with him – specifically on my finances.
In this episode, Robert and I are talking about how to track your finances, increase your income, grow your savings, and ultimately grow your wealth.
- The common mistakes that people make when it comes to their finances.
- The difference between using QuickBooks and working with a financial coach.
- What makes financial goals not that different from the other goals we set for ourselves each year – and how to hold yourself to them, even if you have variable income.
- Tools you can use to create automatic savings and solve your budget problems.
- The four stages of financial freedom.
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Hal Elrod: Welcome to the Achieve Your Goals podcast. I'm your host, Hal Elrod. And thanks for joining me today, I really, really appreciate it. On today's episode, we are going to talk about focusing on your finances in 2021. I'm joined by a friend of mine I've known for over 15 years. He used to coach with me, and now I coach with him, interestingly enough on finances. He's an expert in helping you to track your finances, increase your income, grow your savings, and ultimately grow your wealth. And I think you're going to really enjoy this conversation.
Before we dive into it, though, I want to thank my friends, actually, I should say my friends at Organifi for sponsoring the episode today. When I say friends, I mean, literally my friends. From the founder, Drew Canole, who I have known for many years, to Niels, to Shanna, to Lisa who’s running the team in my head here, but I've spent time with their executive team and they are on a mission to help people transform our health through daily nutrition.
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All right, let's dive in today's episode, I want to introduce Robert before you hear our conversation. And Robert Gonzalez, he's the founder and CEO of MyBooks.PRO. They're a profitability and bookkeeping company that works with individuals, entrepreneurs. They work with a lot of realtors, I know that, and just small business owners in general. And I mentioned I've known Robert for 15 years. I was actually his coach back in 2009 when he owned and operated a sales franchise in Northern California where we both lived. And Robert was one of the top managers in our company. And he quickly emerged to generate over a million dollars in annual revenue his third year with the company, putting him in the top, I think 2% of everybody that were his colleagues.
And when Robert isn't working with numbers, you can find him traveling with his wife, Natalie. They've been to over 15 countries. And I think one of my favorite fun facts about Robert is he is a semi-professional bowler that has bold 20 perfect 300 games, that is impressive, 20 perfect games. And Robert started consulting back in 2014 and he helped grow a startup company's revenue from a million dollars to over $10 million and he began coaching other businesses.
He became QuickBooks Online certified in 2017. And then he founded MyBooks.PRO and I've been working with MyBooks.PRO and his business partner, doing the same thing that MyBooks.PRO does before they were MyBooks.PRO since 2004. So, what is that? 16 years, I've been working with his business partner and then transitioned to work with him. So, I'm a big fan.
In today's conversation, I think you're going to get a lot out of this, really are some important reminders now that we're at the beginning of the year, what are some of the mistakes people make when starting a new year around our financial goals? So, I really hope you get a lot of value out of the conversation today and this helps you to improve your finances in 2021 and beyond. Without further ado, my conversation with Robert Gonzalez. Enjoy.
Hal Elrod: Robert, it's good to see you, brother.
Robert Gonzalez: Good to see you.
Hal Elrod: Good to see you, man. How long have we known each other? What is it, 2021?
Robert Gonzalez: It's at least 15. It's got to be at least 15 years.
Hal Elrod: 15 years.
Robert Gonzalez: It makes me feel old when you ask things like that.
Hal Elrod: I know. It is really weird, right? Yeah, that's really weird. That's almost half our lives, dude.
Robert Gonzalez: Right.
Hal Elrod: And I'm 41. So, not quite half mine, but you're a little a little younger than me. How old are you, by the way?
Robert Gonzalez: 35, so not by much.
Hal Elrod: Early 30s, dude. So, for anybody listening, Robert and I, we knew each other, we were in the same company. And then I coached Robert when he was running an office and Robert ran one of the top offices in our entire company. So, I can't believe you're only 35, man. You are wise beyond your years.
Robert Gonzalez: Man, thank you for that. I would say the same about you, but you've got a 4 as your first digit.
Hal Elrod: Yeah. It’s like rubbing how young… No, 40 is the new 30, didn't you hear that? 40 is the new 30.
Robert Gonzalez: Okay, I get that.
Hal Elrod: So, here's the thing. The reason I brought you on today, your expertise is in the financial realm. And I have worked with essentially the previous company that became the company that you currently operate, MyBooks.PRO, when it was rising stock, and that was in 2003. So, I've literally been working with you guys for as long as 17 years and we still work together.
And so, your expertise is in the area of finances, helping people with their finances. And so, because this is the Achieve Your Goals podcast, almost everybody, it's safe to say, has financial goals. And I think that it's an area that a lot of people struggle with. And I know before I started working with you guys, I struggled to manage and track my finances just because I'm not that person. Like I'm not the accountant brain, where I want to look at the data and I want to analyze my numbers and I want to track everything on spreadsheets.
For me, it was always waiting till the last minute, like, oh, tax time is next week. Oh, shoot, I got to figure how to collect all my receipts. And it was just a nightmare every year. And that's probably the biggest thing you guys saved me from. And the first question I want to ask is, what are some of the common mistakes that you do see people make at the beginning of the year? We're in January right now. So, what are the common mistakes that people make?
Robert Gonzalez: This is a great question because people and especially business owners and entrepreneurs, they wait till what you just said, April, and then it gets to April, and they file that cool thing that they think is cool, called an extension, October. And I think the biggest mistake here is, is they're not evaluating the year that just ended. So, the transformation that I see with people we work with and clients is that we have a hard deadline in our company of January 15. Everyone has their data from the previous year because they're in that habit now of looking at last year and saying, how can we improve this year.
And you made a good point, everyone has financial goals. And we hear people say it, hey, I have a goal this year of saving $20,000 or saving $50,000. And last year, they saved zero. There's only two ways to have more massive money. And one is you either going to make more, or two, you're going to spend less. So, for people that are on the same income and when I say the same, they're getting a 3% raise every couple years, that's really hard to spend $20,000 less in order to save it unless there's some new income stream.
Now, for people who have a variable income, it may be a little easier to do the make more side of it. So, when they set goals of, I'm going to save 20k, but then wait till April to do their taxes, even if it's a simple tax filing process, you're still looking at the past year when you file taxes. That's a big common mistake, is not evaluating what just happened. A financial goal is just like a business goal or a life goal, is you go off previous data and build on that.
And so, if people are really good about their fitness or they're really good about their income and tracking goals and creating and projecting new ones, but then they're really bad at the financial side, it's hard to say you're setting a goal on the finance and then waiting till April to file taxes or even October in some cases.
Hal Elrod: Yeah, which essentially, when they file the extension, it's just oh, I'm going to repeat the same procrastination in October. It's like, oh, it sneaks up on you again, and then you're dealing with it, putting out the fires kind of at the last minute. I want to pause and I just realized that people may not know what you do. And so, for me, it's always been tracking my finances every dollar, everywhere that it comes from separating it into categories into personal, and I guess it's kind of something, in fact, actually, here's the question, I want to play devil's advocate. Couldn't I do what you do and not that I would, which is why I use you, but theoretically, is working with you or what you guys do any different than me entering all of these numbers by myself every week, every month into QuickBooks?
Robert Gonzalez: Yes and no. There are plenty of people that at least try to do it on their own. And what they find out is, it's hard because there's professionals that can do it in half the time, or it's just time consuming and they just don't want to do it, but yeah, they could. And you know what? For the 1 out of 100 sick person in the world that is working their job or working their life for their whole day, and then at night want to spend two hours every week on entering stuff in their books, hey, more power to them. And I'm usually friends with that person, I'm not mad at them because they're usually like me.
Hal Elrod: They're like you, yeah, exactly. They like doing that kind of thing.
Robert Gonzalez: They like it, but for the people that don't enjoy it or they just don't even want to try to learn how to do it, that's where we come in. We track finances. We're not financial advisors, although my business partner, that is one of his actual job titles, he's a certified financial planner.
Hal Elrod: And a fellow Front Row Dad and one of my good friends, Adam Stock.
Robert Gonzalez: Adam Stock, yeah. So yeah, we have the layup recommendation to financial advisors, but we're not accountants, either. We're the ones that make accountants’ jobs easier and we're the ones that make financial planners’ jobs easier and our clients’ job or clients’ lives a lot easier.
Hal Elrod: Yeah. And at a much affordable rate. I was paying my accountant, I think, to do my books every month, like 1200 bucks a month.
Robert Gonzalez: We don't charge you that. Can we start?
Hal Elrod: I know, you guys charged me a fraction and you do a better job. Like he literally, no offense, I love my CPA, but their accounting would be, I'd get a report and it would be like the categories were like, and I'm exaggerating, but it was like business, personal, like they were these huge categories. And I'm like, you split my income into like six categories, like I don't know where it's actually going.
Robert Gonzalez: And you said the right thing, which is you love your accountant, but your accountant’s job is to prepare and file taxes, whereas the tracking and categorizing, because that's all we do, we can get really specific with it. And I think that's why our clients like it, like, could they do it on their own and make all those categories and split them all? They sure could, but it would really take a long time. Here's my shameless plug is that that's probably the competitive advantage over in an accountant. If we will do that, we put it in as many categories as someone wants.
Hal Elrod: Yeah. And actually, Tiffany, my assistant, talks about that, she's on the phone with, I can't remember, the member of your team, what's her name?
Robert Gonzalez: Probably Kristen.
Hal Elrod: Kristen. And Tiffany just raves about her. She's like, dude, she's so detail oriented, she takes so much time to comb through everything, I'm really impressed with it. I'm like, Tiffany is always, she bets everybody out and she's been really impressed. So, I want to talk about for everybody listening, one of the things, so I asked first and foremost, the common mistakes that you see people make, especially the beginning of the year. And that being that they didn't look at their numbers, they didn't track things along the way.
So, kind of along the same vein, talk about the importance of milestones. And before you do, let me just say this, I've talked about in the past, like when I did early episodes of the Achieve Your Goals podcast, I talked about how most people will set a goal and then they don't really review it until the end of the year. Like they just set all their goals of this annual ritual and then, they don't really look at them again. And then, the year ends and they pull out, they go, oh, yeah, my goals from last year. Oh, I forgot about these, like, did I hit any of these? Oh, I hit one, cool. But it's like, you've got it, it's got to be top of mind.
And so, setting something and then forgetting about something and waiting a year to revisit it, reevaluate it is detrimental. So, I've heard you talk about and you've taught me the importance of setting milestones. So, I'd love for you to talk about that.
Robert Gonzalez: Thank you for that. And it's awesome to hear I've taught you something because you used to teach me all this stuff.
Hal Elrod: I mean, after all I've taught you over the years, the least you could do is teach me.
Robert Gonzalez: Teach you this one thing, yeah. So, we've probably heard this analogy or story of, I would hit the target every time in archery, if it was 3 feet from me. This concept kind of comes from that. So, instead of setting a financial goal because goals have deadlines, you set a financial target. And maybe it starts as a goal, let's say the example of someone who says I'm going to save $25,000 more than I saved last year, I'm just going to save $25,000. And they started with a goal of the year. Well, I would just tell them to reverse engineer it and make it a target.
My target is to save 25k. In order to save 25k, I need to save $2500 10 times. So, the first milestone is them breaking that down. And their milestone is I need to save $2500 as soon as possible. Now, because it's the first time they've ventured out towards this target, they're probably going to take longer than when they actually do achieve the target. So, this first milestone of 2500 bucks, let's say it takes them two months.
First off, they're not going to beat themselves up because they hit a milestone. That's great. The second thing is, is they have to give themselves some grace and say, Hey, this is awesome. I hit my milestone, but my next milestone, instead of maybe taking me two months or eight weeks, it takes me seven weeks this next time, so I'm going to get better. And here's what I'm going to do to get better. So, they celebrate the milestone, and then they set themselves on that next milestone because they know, it just takes 10 milestones to hit that target. And it's just that the time it takes the milestone is what gets improvement.
And sometimes, when we reverse engineer our goals and just say, hey, in order to have $25,000 saved, I have to save $2000 every month, this month, month one ends and there's 500 bucks in the bank and you feel off track and there goes the goal. Well, give yourself some grace along the way and that it's going to be harder at the beginning. So, set the milestone, however long it takes you to hit the milestone, just make sure it doesn't take that long the next time you hit that milestone. And give yourself some grace, celebrate the win, especially in finances because this is not a skill many people have. It's not like you went through some lifelong training or even a three-day crash course on how to save. It wasn't taught in school. So, you're kind of learning as you go. So, when you hit that first milestone, celebrate, give yourself some grace and just make sure when you hit that milestone the next time, it doesn't take as long.
Hal Elrod: And I think, how do you eat an elephant? One bite at a time. When we make things into more bite sized chunks, it also gives us a chance to, instead of setting a goal and either hitting it or feeling like we failed at the end of the year, if you do it in milestones, it's like, oh, I failed at that goal, so how can I adjust? It's like instead of it being all or nothing for a 12-month period, it's all or nothing for a one-month period. And then, it's a lot easier to have a bad month or two than to throw the whole year away because you weren't being diligent about just paying attention along the way.
Robert Gonzalez: Yeah. And as a little bonus tip, those milestones, they get knocked down faster and faster when the why is strong enough. And I know you've talked about the why on previous podcasts, where you set that goal of 25k to save. If you're just setting it to set it, that's not too strong of a why, but if it's, Hey, I'm going to put my down payment on my first house for my family or I'm going to save into the kids’ college fund with that, those whys become a lot stronger and makes it a lot easier to push through the learning curve of the first couple milestones.
Hal Elrod: I'm glad you brought that up because I think that's extremely important for people to understand is the why, it's crucial. The why is what fuels your drive and your desire and your ability to overcome obstacles, keep pushing forward, dig deep for motivation. I think that's so important because I think for a lot of people, and I know for me, I always had financial goals because we're taught that money is important, being a millionaire is cool, like all these things.
And I remember I had a goal of I want to be a millionaire. When I was 20, I started in sales and I started making a lot of money. And I was very optimistic. And I'm like, I'll be a millionaire by the time I'm 25, but I had no why, it was just because that would be really cool to be able to say that I was a millionaire when I was 25. And then, I turned 25 and I had maybe a few thousand bucks saved, I mean, not much and I went, man, okay, let's reset. And, okay, I'll do it by 30, I just thought, let's choose the next five years.
And then, when I was 30, I was like 50 grand in debt. Like, I had my first house, I was a mess. And then, I had a baby, or my wife had a baby, had our daughter. And then, that's when I started doing the Miracle Morning and using affirmations and for me, it was I'm committed to, and I don't even know a millionaire was even the number anymore, but it was like to create financial freedom for my family so that I can provide security for them and the lifestyle that we want and deserve. And I read that every single day and it's a top of mind every single day and the why is what drove me.
And five years later, I had hit the financial goal that I set. And it wasn't until I got really clear, because again, money in and of itself isn't motivating because here's what happens. We default to how much we need to get by. That's what we do as human beings, we take the path of least resistance and you go, yeah, it'd be fun to make more, it’d be fun to save more, that'd be cool, but I'd rather watch Netflix and chill right now. I'd rather sleep in a little bit longer. I don't want to be that thing that I'm scared of. And so, it takes a strong, compelling why to drive us and fuel us to do the things necessary to get to the things that we want. So, I'm glad that you said that.
Robert Gonzalez: Yeah, that's great. And you did bring up a small subpoint there, which is we default into what we need to get by. And typically, we try to find new income or make more when that get-by amount becomes more, instead of the other way, instead of I'm going to make more so I can be free, so I can be financially free. And if this new expense comes, I'm ready for it. Imagine that shift in, in your mindset when it came to money.
I'm going to make more, I'm going to succeed at a higher level so that when that water heater goes out, I don't have to put it on a credit card. I've got that five grand, I'm ready, here we go on to the next obstacle. Difference in financial mindset. And it's great to hear that after a couple tries, you got there.
Hal Elrod: Yeah, a decade, I got there a couple of five-year tries. I needed shorter milestones, I could have gotten there a lot faster.
Robert Gonzalez: You kept setting that million milestone.
Hal Elrod: Yeah. And it was always five years out. All right, I'll do it by 25, no, 30, no, 35. So, I want to actually ask your opinion on a financial strategy that I learned and I really resonated with from Mark Lovas, who was a mentor of mine. I don't know, do you know Mark back in the day?
Robert Gonzalez: Yeah, I actually worked with Mark at Trumaker.
Hal Elrod: Oh, that's right. Okay. So, you know Mark.
Robert Gonzalez: Yeah.
Hal Elrod: Very well. So, Mark, I heard him teach this once or maybe, actually, he might have taught this to me when I was with him in Seattle. Either way, it was the way that I interpret it is instead of setting a budget, where you're counting like, Okay, I'm only going to spend this much in this category and this much on groceries and this much, again, for some people, accountant-type brains, that works. For the rest of us, like, I'm never going to do it, I'm not going to monitor every dollar and where it goes.
So, I loved Mark's strategy. And it was essentially set as a savings goal. And this is actually what he did, he said, I set a savings goal every year, how much I'm committed to saving, and then I spend the rest on whatever the hell I want. And I let that sink in, I go, I love that. That sounds way better than budgeting. If I commit that of every paycheck I get, I will save 10% or $1000 or whether you use a percentage or a specific amount, I'm going to save it. And automatic savings is such a crucial strategy, I think it's David Bach, The Automatic Millionaire, where that's basically the whole premise of the book. You just use technology, use your bank to create automatic savings.
And for me, I use like Capital One 360, where I have a separate bank from my Wells Fargo account, so that I'm not tempted by going, Oh, my savings is growing and I really need that money or even just the mindset of you see it sitting there and you feel like, well, I don't need to work as hard or make as much because I've got that cushion and I can spend out of that. And I just make it again. We play these mental gymnastics to talk ourselves out of doing things that we should do. So, anyway, we'd love to hear what are your thoughts on that as a strategy where instead of budgeting, you just set a savings goal, you pay yourself first, you pay the savings first, and then you just spend the rest on whatever you want.
Robert Gonzalez: First off, that's how my wife and I budget.
Hal Elrod: That's nice.
Robert Gonzalez: It is. I don't even know if it's called budgeting. The mission is to save X amount this year and contribute X amount this year. So, you brought up something that I teach to 18- to 20-year-olds when they asked me how I became financially independent. There's four stages of financial freedom, number one is survival. And that is, you think about which bills you can delay paying and you're robbing Peter to pay Paul and it's like that survival mentality of like, I'm just making enough to pay the bills and get by. And when you're ready to graduate from survival, you cover all your bills and you do it on time. There's no late fees.
When you reach number two, the second level, which is where most people are at, is stability. You slowly build up cash reserves, you get a bonus here and there, you start to buy things like a car, you can afford a car, you at least are saving for taxes if you're an independent contractor or you’re a business owner, you're saving for taxes. So, that's where most people are at.
And then, when they start to get to the third level, which is the rest of most people, that's we call that the success and that means they've paid off any high interest debt, they own a home, they have bigger cash reserves, so they have that rainy day fund, and they maybe start to contribute to a retirement account because their employer says to do so or maybe it's a tax strategy. What you're talking about is the fourth level of financial freedom, which has significance.
And the way we feel significant, money wise, is we have savings that are our number 1 mission with finances and our number 2 or 1A mission is contribution and leaving a legacy. And when those two things have become your number one and your primary financial focus, the bills figure themselves out. And I think it's just because you've learned how to spend correctly. You don't anymore look at how much is in my bank account, okay, I can buy that. That's not how you buy anymore. You're starting to be savvy about when you use your credit card. Do I really need that? And that's why you hear, Hey, most millionaires are millionaires because they're not dumb with their spending, they're just savvy and they do. They have a very philanthropic brain and they understand the value of savings. I'm about to be a dad, which is exciting.
Hal Elrod: Congratulations, man. When roughly?
Robert Gonzalez: Beginning of March, first week of March.
Hal Elrod: Congrats, so exciting, man.
Robert Gonzalez: Yeah. And so, I think about when people have kids, how do you have significance with leaving a legacy for your kids when it comes to money? Like, I hate to think like this, but once in a while, I revert to the brain of like, if I were to not be here tomorrow, would my kids be okay? And that's that saving brain that you just talked about and it's very powerful because when you can get to that point, and like you said, you booby trapped yourself, something we talked about a lot in finances. You put it in a separate account than your main bank. And there's apps that do that for you now, too, where it's a pain in the butt to get that money out. That's what you want. That's real savings.
Hal Elrod: Yeah. So, the four stages of financial freedom, we've got survival, stability. I missed number three.
Robert Gonzalez: Success. Got it.
Hal Elrod: I want to touch on contribution because this was big for me. I'm trying to think, I was in my 20s, I think, and I always had it in my heart, I wanted to donate more to charity. And at one point, I had this realization, I forgot, I don’t know if I was reading a book or what, but I thought, I want to donate half of my income to charity, I want to get to that point. And I'll write a book called, and I pictured the cover, it was the number 1, a slash sign, I guess you call it a slash sign and then the number 1, it was like 1 and 1.
It was the idea that like, if every $2 I earn, one goes to me, one goes to people that weren't born in the place I was born with the same parents, that will have the same opportunities that I do, that are simply, they just don't have the same opportunities, period. And that was really my heart. I thought, Wow, what a neat way. Gosh, I don't know if that's socialism, but I'll just say if everybody kind of lived that way, where we help each other. And my spirit is there.
And so, the way that I did it because I always felt like I can't afford to donate any of my income. I'm barely making it, it was coming up 2008 and I read the book, Secrets Of The Millionaire Mindset by T. Harv Eker. And he talks about setting up your five different bank accounts, one for expenses which is 50% of your income and then 10% goes to contribution, 10% goes to personal development, 10% goes to fun, just stuff that you don't need, but you just want to enjoy.
Robert Gonzalez: You want to have.
Hal Elrod: 10% goes to your long-term financial freedom, like retirement. And I don't know if I'm missing a 10% in there, but he talks about setting up these accounts and this was a game changer for me. I set up the account and he said, “Look, right now, you may not have enough money to even pay your bills, maybe you're struggling.” And at that time, coming off 2008, I was in debt, but I really believed in the philosophy and he talked about how, when you have your focus on needing to earn 50% of your income to pay all of your bills because the other 50% is allocated for contribution and fun and retirement and you know what I mean, all of these other things, growth.
He said, you're expanding your financial possibilities because right now, most people think I need this much money to live, which means I need to earn exactly that much money to live. He goes, if all of a sudden you go, I need this much money to live, but I need 50% more to pay all these other areas, he said, you're essentially doubling the income that you are figuring out how to earn in your mind. And so, I went, Okay, I'm going to try this. And he talked about this kind of woo-woo thing where he's like, Look, start focusing on this and your income will increase. And I was like, All right, well, I would love my income to increase, so I'll try this.
So, I set up all the accounts. And his advice was like put a dollar in each of the other five accounts until you can do more, just put every month, even if you can't pay the bills, you're struggling, just everybody can pull five bucks out. He said, just to create the habit. And I started with a dollar in each of those accounts every time I got money and then, it grew from $1 to $5 to $10 to $50 to $100 to 50% of my income. And it was amazing, and I can't remember how long it took, but it was less than a year, it was like six months, I doubled my income. In fact, it was actually the two months after I started Miracle Morning because that was the book I was reading, it all kind of coincided, but anyway, I share all of that because you know what you said earlier just reminded me that what we focus on, it becomes our reality, and we can expand our ability. If you're just trying to get by, you're only ever going to get by.
And you mentioned contributing to charity, to other causes, that for me, when I committed with the Miracle Morning, that 10% would go to charity, that was kind of the first step in going, all right, if I'm ever going to get to that 50%, I got to start somewhere. And I started at 10%. And now, the Miracle Morning, we, I say we because to me, everyone that bought the book has donated over $500,000 to charity. And that all started with that commitment to $1 out of every paycheck went to charity and then that grew.
And so, I invite everybody listening to consider that, to consider not just living with this mentality where you're trying to pay the bills, but imagine you've got to think beyond that, if you're ever going to get beyond that, I guess is what I'm trying to say.
Robert Gonzalez: Yeah. And I think you brought up a point that you started to earn more, for those of you who are very happy with your income and it's a W2 job, but you don't see the fruits that we're talking about, usually, you start with where your spending habits are at. And the only piece of advice I can give anyone and this includes people who can control their income and they're just like, oh, cool, I'm going to make more to make this happen, is there's a very important habitual thought and it all started back when someone said, Hey, when you're about to buy something, think do I need this?
That's evolved because we live in a buy now society. There's a new iPhone that comes out every year, there's new this, new that, and you've got to have the most current. Well, instead of thinking, do I need this? Think, have I contributed or saved the amount I'm about to spend? So, have I contributed or saved the amount I'm about to spend? So, if the purchase you're about to make is not a necessity, it's one of those things where you think you needed, it's the new iPhone or whatever and it's $300, have you saved or contributed that same $300 before you're about to do the same thing with this new $300? Or are you robbing those two core philosophies of saving and contribution in order to get the new iPhone?
Hal Elrod: I love that. And I love that and the way that I would word that for me would be to earn the right to get the iPhone. Earn the right.
Robert Gonzalez: I like it. Earn the right.
Hal Elrod: Save it first and then earn the right to spend it. I love that. Robert, well, this is great man. You remind me of what the last 15 years working with you and Adam has been, why it's been so valuable for me. If somebody listening wants to go deeper, where should they go if they want to connect with you and learn more about what you guys do and how you can help them?
Robert Gonzalez: So, because I am a big fan of Hal and the people that listen to Hal and that's you, I offer a strategy session, and we can talk about anything from something going inside your business, you're trying to connect about services that we provide, it's typically 197 bucks, I'm going to offer it free for the first 30 people that sign up.
Hal Elrod: Yeah, you better limit it because…
Robert Gonzalez: I better limit because I don't want my schedule just jammed.
Hal Elrod: Hundreds of people, yeah.
Robert Gonzalez: So, I'm going to say the first 30 and so, I won't invoice you. You go to calendly.com/mybookspro and if you want to just meet me virtually on our website, it's mybooks.pro and there is a link to our Calendly on there as well, but calendly.com/mybookspro and you'll be able to connect with me, free strategy session, first 30 people listening and I can't wait to connect. I love helping people with stuff like this.
Hal Elrod: That's awesome. That's generous of you, Robert. And just to spell it, Calendly, I believe, correct me if I'm wrong, it’s C-A-L-E-N-D-L-Y. Correct?
Robert Gonzalez: Yes.
Hal Elrod: calendly.com/mybookspro, get a free call with Robert. And by the way, I know Robert, he's not going to be hard selling you on, on working with him. I'm sure it's an opportunity if you want, but yeah, I thought honestly, if I were you, I would take advantage of it 100%. So, Robert, it’s good catching up with you, brother.
Robert Gonzalez: What's that?
Hal Elrod: It's good catching up with you.
Robert Gonzalez: You too. Always good to see you.
Hal Elrod: And congrats on your baby. That's really exciting.
Robert Gonzalez: Yeah. Now, a lot of people know, I dropped that.
Hal Elrod: Yeah. This was the official announcement on the Achieve Your Goals podcast. I love it, dude. That's funny. You hopefully don't get any calls from your relatives, they’re like what in the heck? You didn't tell me you're having a baby.
Robert Gonzalez: I think they all know, I really hope they do. I think they all know.
Hal Elrod: That's funny. Cool. I, brother, will appreciate you. And goal achievers, thank you for tuning in. I hope today helped you think a little differently or a lot differently about your finances and how you approach them, how you track them. And if you want to take advantage of that call with Robert, I think it'd be a great use of your time. So, love you and appreciate you and I will talk to you all next week. Take care everybody