A Fish Out of Water with Guest Calvin Wayman: MakingBank S2E7

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Summary

The path of the entrepreneur is littered with frightening unknowns, and discomforting realities, but of all those fears and discomforts, there is one more dangerous than the rest…

Complacency.

Complacency locks entrepreneurs in place, preventing them from moving, growing, learning, and blossoming into something greater.

Stagnation born of complacency is what kills entrepreneurial hopes, dreams, and motivations faster than anything else, and no one knows that better than today’s guest on Making Bank, Calvin Wayman.

Calvin’s wants to help entrepreneurs form an addition to discomfort—to learn to love feeling like a “fish out of water”—as a means of permanently staving off complacency. He wants entrepreneurs to disrupt their comfort, stability, and understanding of what is normal, in order to take their greatness to the next-level. His book, Fish Out of Water, (an Amazon Top 100 in the Success Category) offers an in-depth exploration into the principles of disruption that help entrepreneurs evolve through a series of ceiling-shattering breakthroughs.

In addition to writing Fish Out of Water, Calvin runs CobbesMedia, has been featured on Entrepreneur.com, Social Media Examiner, Huffington Post, and was titled Top 30 Under 30 by Influencive.com.

Tune-in to hear Calvin talk about fighting complacency, as well as…

• How complacency is your greatest villain
• The power of self-investment
• Why like-minded entrepreneurs need to populate your life
• Building a business independent of location
• What it means to be a “fish out of water”
• Why consistently creating new normals is vital
• The three-ways to LEVEL-UP in business and in life

And much more…

Transcription

Josh Felber: Welcome to Making Bank. I am Josh Felber, where we uncover the success strategies and the secrets of the top 1%, so you can transform and amplify your life today.

I am honored to be able to have a great guest I’ve had the privilege of meeting several different times over the last few months. He is a author, a speaker, and a social media entrepreneur. In the spring of 2015, he quit his day job to pursue his dream of working for himself and went door-to-door selling.

He is a man on a mission. He owns Cobbs Media, a social media management agency designed for entrepreneurs to stand out beyond 97% of everyone else on social media. He’s also been featured in Entrepreneur Magazine, Social Media Examiner, The Huffington Post, and even named one of the top 30 entrepreneurs under the age of 30 by Influencive.com. He just barely released his first book, which debuted on the Amazon Top 100 of all books in the success category, which is awesome. His book is called Fish Out of Water. I’m excited to welcome Calvin Wayman to Making Bank.

Calvin Wayman: Hey brother, how’s it going?

Josh Felber: Awesome, man.

Calvin Wayman: Glad to be here, Josh. Thanks for the invite.

Josh Felber: Yeah, for sure. Like I said, we’ve connected off and on here over the last few months, and it’s been cool to hear your story, what you have going on. That’s why I was just like, man, you’d be a perfect fit to talk about your message, and how you’ve created your business and the challenges that you went through to get there.

Calvin Wayman: Yeah, I’m excited to see what we can do to add value to people and, yeah, let’s see what we can do.

Josh Felber: Cool, man. Well, I guess, tell me a little bit about what you were doing, up to when you decided, just hey, I’m quitting my job. I’m gonna go do this.

Calvin Wayman: To be honest, I wanted to always quit. I was like the regular dude, but wanted freedom. You know?

Josh Felber: Sure.

Calvin Wayman: I just knew that I couldn’t get the absolute freedom I wanted, and being an entrepreneur, by working the day job. I actually wanted to quit for a lot longer before I did, before I actually pulled the trigger. I was just doing a sales job. I did it for five years. I was horrible at it at first, and then became a sales agent, and a trainer to other people. So yeah, that’s what I was doing. It was a great gig, a lot of people would kill for the position, but it wasn’t my own thing, so one day I just got to a point where I was like, “Enough is enough,” and I quit.

Josh Felber: What happened at that point in time when you actually took action, where the other times you were like, “Ah, I want to,” but you never took that action?

Calvin Wayman: What made me actually push and actually do it?

Josh Felber: Yeah, what was that transformation or that push?

Calvin Wayman: It’s an important question, because I think a lot of people talk about the positivity of having a why, and let that be bigger than your fear, because I had so much fear that kept me there. But what got me to actually push through, and it wasn’t actually positivity, necessarily. Positivity got me started, and then I would do like side hustles, but then I would end up reverting back and not actually quitting.

The thing that actually pushed me, interestingly enough, was a bigger negative, or a bigger fear that swallowed the smaller fears I was feeling. One day I was just like, “What happens if I don’t go after my dreams? I want to, and I want to have freedom, but what happens, what if I wake up 10 years down the road and nothing has changed?” Or worse, and this is really what scared the hell out of me, the thought that the desire, or the fire, that I had inside of me, dying, and I don’t give a shit about being an employee anymore. I think it’s awesome and I give up on the desire to go after things. The thought of that happening is what scared me enough to light a fire under my butt and say, “You know what? I can’t let that happen. That’s just a horrible thought. I’m just gonna quit.” And so I did. Before I even knew what I was going to do next, I quit.

Josh Felber: Sometimes that’s the best way.

Calvin Wayman: Yeah, that’s what I have found. Because I would always be like, “Well, I gotta get something set up and ready,” and I never did anything. I think we do that all the time. We want everything laid out, but that usually just keeps us frozen. I didn’t know step two but I knew step one, and step one was quit.

Josh Felber: Right. I know you mentioned that you had started along the way some different side hustles but you kept reverting back.

Calvin Wayman: I tricked my mind, thinking that I was progressing when really, I wasn’t. You know what I mean?

Josh Felber: Right.

Calvin Wayman: I would dabble with different … I was actually pretty deep into the network marketing space.

Josh Felber: Okay, sure.

Calvin Wayman: I love the industry. It did a ton for me and I love what it’s done for other people that I know, but I never devoted enough time to it to make it blow up because I was doing my day-to-day thing, too. And then, luckily, the month before I quit my job, the company that I was having the most success with went bankrupt and went out of business, and so all of the things that looked like I was progressing, or that looked like I was having a little success, just went away, so I was really faced with myself during that time period, which was painful and awesome at the same time.

Josh Felber: Okay, so you quit, and then what did you end up … You said you started door-to-door selling. What did you ended up starting to do?

Calvin Wayman: I didn’t know what the hell I was going to do. The first day I quit, I remember it felt amazing, I was like, “Yes, that felt so good.” Then I woke up the next day, and I had a wife … still do … I had a wife and a one-year-old son, like, “I gotta make money, how am I gonna do it?” I just made a commitment to myself that whatever the business was, it had to be 100% my own thing and I had to be totally behind it.

I first went to a bunch of different network marketing leaders and checked out their companies, and was like, “Maybe that’s what I was gonna do,” but it had to be something that I would have done even if I didn’t get paid for it. There was just the 1 or 2% of the business that I didn’t love, and so I was like, “I’m not gonna do it.” What ultimately happened is, I was like, “Okay. While I’m figuring it out, I at least want to increase my skill level, and do something that would really challenge me, that I know will help me in my entrepreneurial journey.” That’s why I got into door-to-door sales.

I left Utah and went to Southern California. I had a mentor that told me, a couple years ago, that if you could do door-to-door, you could do pretty much anything. And if you did four months of door-to-door, it’s the equivalent of a four-year business degree. So I was like, “Okay, that’s what I’ll do.” That’s what got me into the door-to-door thing. I was not necessarily passionate about solar, that’s what I sold, but I was passionate about shaking off any of the residual employee mentality, or crap that I might have had over the years of being an employee. And I’ll just say, it cured me really, really fast. It did not take long before I was not an employee anymore. So yeah, that’s what got me into the solar thing.

Josh Felber: Well, awesome. What, I guess, as you’re selling the solar door-to-door, I mean, how did you make that whole transition to what you’re doing today? I mean, was there kind of a progression, or …?

Calvin Wayman: The biggest thing that happened as I was doing my door-to-door stuff, the most painful experience … In so many ways, I would not even, in the beginning especially, I would not wish it on my worst enemy, and at the same time, I’m recommending it to anybody listening to this, because it’s such a great experience, overall.

I was looking for what I should do, what I should create. I ended up going to different events, getting around entrepreneurs like yourself, like Russell Brunson, like Lewis Howes, like Gary Vaynerchuk, all these people, for the first time. I started to get around them and be immersed in it because I would see them from afar, but there was this big disconnect. When I started getting around people that were entrepreneurial, things started to change in me, and I felt like I was at home for the first time.

To make a long story short, what I ended up doing is I went to an event. You know Nick Unsworth, he’s Life on Fire?

Josh Felber: Yes.

Calvin Wayman: I went to his event, and I was like, “You know what? I’m finally around people that get it, and I need to get deeper into this entrepreneurial circle,” so I ended up hiring him as my business coach, because that’s what he did. That really is what just helped me get in the game, because I put skin in the game, it showed myself that I was serious, to make the biggest investment. That was like two cars for me, worth. That’s what it was like. It just made a commitment to myself, and to the universe, that I’m serious about this entrepreneur thing.

By working with him, I ended up getting into Periscope, was the first thing. You know, the live streaming app. From there, as it progressed I started to understand myself, why I liked Periscope. It was because it was new. It was cutting edge, and that’s what I liked. I like to discover new things, and I like to be on the front of what’s happening. I didn’t know anything that was better than that than social media, because it was always changing. There’s new platforms coming out, and it’s on the front edge of how to market today.

Josh Felber: Sure.

Calvin Wayman: In January, this year, is when I kind of transitioned from the Periscope business that I started, which was my first real business. It’s where I got my first ever email opt-ins, created my first product through Periscope, started teaching on Periscope, got into Entrepreneurial Magazine because of Periscope. And then, in January, I transitioned from just that platform to I’m doing social media as a whole. Then I started Cobbs Media, and it’s just been a wild ride since.

Josh Felber: Awesome, man. We’ve got to take a quick break. Can you stick around?

Calvin Wayman: Absolutely. I’ll be here.

Josh Felber: I am Josh Felber. You’re watching Making Bank, and we’ll be right back.

Speaker 4: Now you can get your healthy super foods in one drink, with no shopping, no blending, no juice …

Josh Felber: I am Josh Felber. Welcome back to Making Bank. We’ve been speaking with Calvin Wayman on how he broke free from the employee mentality to entrepreneur, and built his business from going door-to-door selling solar panels to social media marketing. Calvin, welcome back to the show.

Calvin Wayman: Thank you for welcoming me back, Josh.

Josh Felber: I made a couple notes while you were chatting here, a couple key points that you really mentioned, I think are really awesome, is surrounding yourself with other entrepreneurs, so surrounding yourself with people that you want to be. You know?

Calvin Wayman: Yes.

Josh Felber: I think that is very important. So many of us, we get in a position where we’re like, “Oh, we want to go do this,” but we don’t know how, or we just keep putting it off. I think that was one of the important things that you mentioned there.

Calvin Wayman: That is so important, dude, because I didn’t realize how important it was until I got into it. What I’ve realized is you and I, and people listening to this, as entrepreneurs, we’re in the minority. Most people, even maybe our friends and family, they may not get us and the way we think. Right? And I don’t know if we’ve realized how much that can play a role in the success that we have. Just hanging around other people and having conversations, and just being around people that get you, and you can emulate and learn from them, I think it can’t be overstated. I’m glad you picked up on that and pointed it out. It’s definitely worth emphasizing.

Josh Felber: Everybody, you’re listening, you’ve heard me talk about it plenty of times is surrounding yourself with the right people. Surrounding yourself with the people where you want to go.

Calvin Wayman: Yes.

Josh Felber: And then, the other thing is hiring a mentor and coach. So many people put that off, put that off, put that off, or just nah, it’s too expensive. Like you said, it was like two cars for you.

Calvin Wayman: Yeah, it was. That’s the first time I’ve put it that way and that makes a lot of sense because it was, it was like two cars. But here’s the thing that’s interesting for anybody that might be afraid of the investment thing. Last year, 2015, I was in the deepest debt I’ve ever been in my entire adult life, especially because of the investment. I had moved from Utah to Southern California, which meant three times the amount of rent. I still had car loans. I had some student loans. I had credit card debt, and I made that investment, so deepest debt I’ve ever had in my entire life.

But this year, in 2016, on the first day of spring, I became officially debt-free for the first time in my entire adult life. I think it speaks to when you invest in yourself and you put yourself out there, then it comes back. So if you ever have a chance to invest in yourself, in a mentor, or anything like that to get around other people, I think it could be a massive benefit for you.

Josh Felber: Definitely so. Tell me a little bit about, you recently made a move, too. You got this whole, kind of experiment thing that you’re doing, I remember talking about.

Calvin Wayman: Yeah, I moved now from Southern California to this small town in Arizona. Somebody was just asking me this yesterday, they were like, “You left San Diego? What were you thinking? It’s beautiful there. The weather’s awesome.” It’s kind of a weird reason, but it’s just my way of putting myself in uncomfortable situations to grow. It’s kind of the same reason why I left Utah to go do door-to-door, because I know that if I could do that, then I can do a lot. That can help me a lot in my entrepreneurship.

I left Southern California, and the amazing, just the environment and all the people I can go meet, the customers that I could go to, because one goal that I have with my business, and that I’ve always had, is I wanted to have a business that can be completely independent of location. As long as I have an internet connection and a cell phone, I’m good. I can do it anywhere. So what I did is I decided to move to this super-small town in northern Arizona. It’s called Mohave, you’ve probably never even heard of it. It’s kind of on the way to the Grand Canyon.

I moved to this super-small town to force me to do that, because that’s all I have. There’s not a bunch of businesses around me. If I picked up my camera and showed you, it’s like sagebrush and my Red Rock backdrop mountains, which looks awesome. I love it, and I can go hiking and it’s quiet, and stuff like that.

Josh Felber: That’s cool.

Calvin Wayman: I still travel and still get around, but in my day-to-day, week-to-week, there’s no distractions, and it’s forcing me to do what I need to do, like get my business to a point where it’s just internet connection and cell phone, which is what I’m doing now.

Josh Felber: I know along the way, you just came out with a book recently as well, so …

Calvin Wayman: Yes. Fish Out of Water. And that probably couldn’t have happened, honestly, if I was living in a louder space. Being able to be here and quiet everything down, and just have zero distractions, really helped that come to fruition.

Josh Felber: That’s awesome. Tell us a little bit about what’s the book about, and I would love to know more.

Calvin Wayman: The book’s called Fish Out of Water. Fish Out of Water is something that I think, especially as entrepreneurs, we all hit. We all go through.

Josh Felber: Sure.

Calvin Wayman: We feel like a fish out of water at different points in our life, especially when we’re looking to level up. It’s a soft spot for me because when I first got into sales, I felt like a fish out of water. When I quit my day job, I felt like a fish out of water. When I started to get better in my health, and go from being 40 pounds heavier than I am now to being a healthier person, it felt awkward. I felt like a fish out of water.

I wanted to write this book because when people are looking to level up their life, there’s a ton of books on goal-setting, that’s like here you are and this is how to get there, but they ignore this period in the middle that I call where you feel like a fish out of water, right? And we know it’s there. Everybody sets a New Year’s resolution. They get excited. And then February rolls around and we know what happens. Right?

Josh Felber: Right.

Calvin Wayman: They quit. Why do they quit? My belief is it’s because they get to this point where it feels weird, doesn’t feel normal. You feel out of your element. You feel like a fish out of water. The tragedy is, since you’re out of your element and it feels so awkward, people end up wanting to revert back to what does feel normal and feels comfortable. The downside to that is, if you’re going to what feels comfortable, you’re in your comfort zone and you’re not growing and you’re staying still.

What the whole book is about is, first of all, it’s normal. You’re going to hit this stage where you’re a fish out of water. But what should you do? What can you do to break through that fish out of water stage, to completely transform into the new you and create a new standard for yourself? That’s the overview of what it’s designed to do. Hit this stage but break through, and once you break through, you create a new normal. Like my entrepreneurship is becoming normal. Being a business person is normal. Being the more fit self is normal, following the principles that’s outlined in the book.

Josh Felber: That’s awesome, and just over the last 8 to 10 months you had so many just huge, those transitions of that next level, and that next level, by pushing yourself outside that comfort zone, as you mention.

Calvin Wayman: Yeah, I found that kind of accelerates it. I’m doing something crazy, even, next week. Tomorrow, I’m running a Spartan Race in California. It’s crazy to think about this because when I first made the goal to run a Spartan Race, it was at the beginning of 2015. I’ve never done anything crazy like that before, and it was like this big, crazy thing. Tomorrow, I’m running a Spartan Race as a warm up to what I’m doing next week, because next week I’m running a 50-mile ultramarathon.

Josh Felber: Oh, nice.

Calvin Wayman: I haven’t even run a marathon before, but I’m just all about pushing me and seeing what comes from it, because I think it makes things move faster when you do that. We’ll see how it goes.

Josh Felber: No, man, that’s phenomenal. I’ve done several marathons and a ton of halfs, never a 50s, that would be a pretty sweet deal.

Calvin Wayman: Yeah, we’ll see how much of the 50 I can chew. We’ll see.

Josh Felber: I know, even with the last four or five miles, for me, on just the actual marathon, the very first time was all mental, I mean, because you feel like you’re breaking down, let alone 50 miles, you’re going to feel that 2X.

Calvin Wayman: Yeah, I am so interested to see what the hell my body is going to do, and what my mind’s going to do when I get to that edge, because I ran 25 miles a couple weekends ago to kind of warm up. That’s a lot, but it’s only half, and I was dead in the last five miles. I am just so interested to see what my body and mind is thinking when I get to the 25 point and realize I have to do this a-freaking-gain. We’ll see. We’ll see, I’m excited. I’m excited to see what comes from it.

Josh Felber: Well, you know what was kind of cool and crazy for me is I remember stopping for a minute, rehydrating and stuff, and I was sitting there and I was like, “Man,” you’re thinking in your head, “I want to give up. I want to give up. I want to give up.” And I happened to see this guy, he probably was in his 80s, and he just comes shuffling by, and I’m watching him, like “Man, if he’s gonna keep going, I have to keep going.”

Calvin Wayman: That’s super powerful, right? So he didn’t zoom by, but he was like …

Josh Felber: He just kept moving.

Calvin Wayman: … [inaudible 00:22:47] way to put it, so that’s what it is, right?

Josh Felber: Yeah.

Calvin Wayman: Any step, little steps, is better than nothing, better than no steps, right? That’s the mindset that I’ve got to keep with it, just another step, another step.

Josh Felber: Whether it’s walking, whether it’s shuffling, whatever it is. And that’s the same thing with entrepreneurship and business, or anything that you do, is taking that next step, which is what you’ve done to now to be where you are today.

Calvin Wayman: 100%, that’s what it’s all about. I talked about this in my book a little bit, and we talked about it at the beginning of this. In entrepreneurship, I think we, even before entrepreneurship, we want to know all the steps lined out before we get started. Life is not that way. Entrepreneurship is not that way. You don’t really always know, but I think that you do know, if you just get honest with yourself, is you know your next step. You know your next best guess, even. And that’s enough. You can’t plan every step to win a chess game. You can have a strategy, but there’s too many unknown variables. You have to see where you’re at, what you have, what position you’re in, and then just adjust and make your next chess move based on what’s in front of you.

Josh Felber: Cool, man. So you’ve busted through multiple comfort zones, barriers, things like that, and challenges that you’ve had. What are two or three ways that you’ve found that have worked really successful for you?

Calvin Wayman: Like how to get myself to do it, or to actually break through and do something that might be uncomfortable? Is that kind of what you’re saying?

Josh Felber: Yeah. You’ve pushed yourself outside your comfort zone many a times, where that seems to be the hold up of people taking action, because they start to feel a little bit of that pain, or they start to feel, “Oh, I’m starting a diet and I’m hungry more often than not,” and they just don’t keep going with it.

Calvin Wayman: Yes. There’s three main things, and I talk about them in my book, that I think is almost like cheating. If you get all of three of these lined up, you will level up. You just freaking will. The first main principle that’s worked for me is, I call it you’ve got to become a CIA agent. And I don’t mean part of the Secret Service, it’s just a play on words. Consistent imperfect action. I think what gets caught up in our heads a lot is we think things have to be done pretty, or perfect. Sloppy is better than nothing. You know?

Josh Felber: Right.

Calvin Wayman: I used to struggle so much with my health, with exercising consistently. I would go to the gym, and then after a month or two I’d fall off the wagon. I realized that sloppy consistency is better than perfect spotly, like just here and there. So I made a goal. I was going to work out every day for 90 days. That was the thing, and that would have been massive for me. The thing that I did is I focused on, you know what, I’m going to do it in-home. Get rid of any of the distractions. My goal was to push play on my DVD player. Super-simple trigger. My whole goal for 90 days is to push play. It doesn’t matter if I do the workout perfectly, if I do it sloppily, it doesn’t matter how bad I do it as long as I do it. When I did that I developed that consistency, and now I’ve worked out two years in a row, every single day for two years.

And that, I think, is the first key when it comes to doing something uncomfortable, is give yourself permission to do it sloppily. There’s the quote that if something’s worth doing, it’s worth doing well. I say screw that. If something’s worth doing, it’s worth doing poorly. You know? Give yourself permission to just get in there and to mess up, because if you mess up and you get into it, chances are when you do it a second time you’re going to get better. And you do it a third time, you’re going to get better. Do it a fourth time, you’re going to get better. That’s big for me. That’s what’s helped me push out quite a bit is just deciding to do it and not having any attachment on what it looks like or what the outcome is. Just effing do it.

Josh Felber: That’s great. I think, like you said, we overcomplicate it, and by simplifying it and making it as simple as pressing play on your DVD player, is that next step, that action.

Calvin Wayman: Yeah, and the other two things that really help, I call it number three in the book. I don’t want to go too deep into it, but it’s like helping your mindset of successful people that are always there. I have an acronym I call SWIM, like the sharks. It’s how you view success, how you use your words, because your words affect your psychology. Improve, successful people are always improving, and measure, because you don’t know if you’re winning if you don’t measure.

The one that I think’s massive, that we already touched on a little bit, that has also helped me push outside my comfort zone in many ways, I say get schooled. What I mean by get schooled, since it’s a book about, it’s called Fish Out of Water, just like fish, when they’re in schools, they’re moving in a similar direction. Right? When I’m saying get schooled, get around other people that are moving in that direction that you want to go.

Josh Felber: Ah, sure.

Calvin Wayman: That has been so, so powerful. I’m running this 50-mile race, but what’s really helped me is hanging out with a guy that does hundred-mile races. Every single year he runs a fricking hundred-mile race. He doesn’t always finish, but having conversations with him is what helps me think the crazy idea, “Holy shit, maybe I can do that. Maybe I can do 50. I can do half of what you can do.” He’s like 45 or 50 and he’s doing that, and I’m in my 20s so I’ll be like okay, I have to believe I can do that.

I think highlighting those two: do it imperfectly, consistent imperfect action, and getting around other people that are doing it too, or moving in a similar direction, or a mentor that has already done it, is just such a big way to push through that barrier when you’re coming up against your comfort zone.

Josh Felber: Cool, man. That’s some awesome, awesome insights and I appreciate you sharing those today.

Calvin Wayman: My pleasure.

Josh Felber: Tell us a little bit about where we can find more about you, your book, everything.

Calvin Wayman: Absolutely. I actually, since I’m doing social media, I’d love to give a gift to the audience, if I can.

Josh Felber: Sure.

Calvin Wayman: I’m giving away a social media makeover. What that is, is me or somebody on my team, especially me for the people that come on the calendar first … This is extremely hands-on, but I just love it because of the impact it makes … we’re going to totally makeover your profile on Facebook or Instagram, and just help you just freaking stand out. If you want to get that, I have a limited number of spots, you can get it at socialmediamakeover.org, so you can get on the calendar, socialmediamakeover.org. Totally free, no strings attached to that. Anywhere else you can find me is just Calvin Wayman, pretty much everywhere. You can search calvinwayman.com, you’ll find my book there. Or you can go Facebook, Calvin Wayman, Instagram, Calvin Wayman, or on Snapchat, @calvinwayman.

Josh Felber: Cool, man. Last question, since you’re a social media and technology giant, what’s your best piece of technology that you can’t live without?

Calvin Wayman: Technology or platform? Because I can’t live without my cell phone, for sure.

Josh Felber: Yeah, technology and/or platform, whatever you want, both.

Calvin Wayman: The platform that I use the most is Facebook. I love Snapchat. I play with Instagram quite often. I’m always into the new things, but since I’m a big believer in the 80/20 rule, I have the biggest impact on Facebook, no question.

Josh Felber: Sweet. Well, Calvin, it’s been an honor, and I really appreciate your time today and sharing all the different ideas and thoughts and your story with the audience here at Making Bank. Again, thanks for your time.

Calvin Wayman: Josh, I appreciate it. Thank you so much for having me on, and I hope everybody just gets out there, hustles, and takes that next step to level up their life and live their dreams.

Josh Felber: I am Josh Felber. You are watching Making Bank. Get out and be extraordinary.