For over a decade now, Peter Bielagus has been educating Americans about their personal finances. A former fee-only financial advisor, Peter now travels the globe delivering keynotes and workshops at colleges, corporations, independent schools and to all branches of the United States Military. He has spoken in Europe, Japan, South Korea, Central America, the Middle East, and in 49 of the 50 United States. He has even delivered talks on military ships at sea. Peter is the author of three books on personal finance and entrepreneurship. A frequent guest of the media, Peter has been featured in the Wall Street Journal, PBS, USA Today and many other media outlets.
Mindie Kniss:
Welcome back to another episode of The Lucrative Society. I am super excited to introduce you to my guest today, because not only does he have a lot of wisdom to share, he is a very dear friend. So, Peter, welcome to the show.
Peter Bielagus:
Thank you, and thank you for having me.
Mindie Kniss:
I’m delighted to have you. I almost couldn’t do that intro without dropping into accent, like you and Sean used to speak to each other, but I am truly delighted to have you here. One of the reasons that I’m so interested in what you have to say is that you have a unique perspective, because you’ve not only had experiences with wealth yourself in your life, but you teach on this topic. So, you’re going to be able to come from all different directions where our audience today. So, that’s going to be awesome. I’d love to begin just so our listeners can get a sense of who you are and kind of what you’ve been up to, if you could give a little bit of your entrepreneurial journey up until this point, that will just give them a starting point.
Peter Bielagus:
Sure. When I was in college, I got into a lot of credit card debt, or not a lot, but enough to scare a college student. I dug my way out of it, and in digging my way out of it, I started to read a lot of books about personal finance, and I realized that all of those books were written by somebody who was older and wealthier. I got the idea to write a personal finance book for young people, for college students, written by somebody who was in college. I wrote the book, I managed to publish it with a major publisher, and sort of the natural progression for authors, especially nonfiction authors, is to jump into the speaking business.
I started to give speeches starting for free at the Lion’s Club or a high school, or they just paid for my gas, and then slowly I was able to raise my fee to eventually be able to do that full-time. During that sort of transition from selling the book to actually becoming a full-time speaker, I did work a bunch of jobs in the financial world. I became a financial advisor. I am no longer one, I now just write and speak full-time, but I was a real estate broker. I worked for H&R Block. I eventually taught for H&R Block. I taught for New Hampshire Housing, and just did all these different… worked in the title industry, just did all these different things until I finally was able to just write and speak full-time.
So, that was probably 16 years ago that I made that jump, and since then, I’ve spoken in 49 states. I’m still trying to get Alaska. I’ve spoken all over the world in Japan and the Middle East and South Korea, Costa Rica and all over Europe. Now, at least for the last couple months, I’ve been staying in one place, but that’s what I do. I’m a full-time professional speaker and author, and my sort of niche has been in the money management world.
Mindie Kniss:
Awesome. So, you are the perfect person to ask my next question. How would you define wealth?
Peter Bielagus:
I define wealth very simply. I define it as freedom, and it’s coming to a place where you can make the choices that you want to make and not the choices that you have to make. There’s always going to be some choices we have to make because you live in a society with laws and you can’t do whatever you want, as we kind of know right now, there’s a lot more restrictions right now. But really, it’s a freedom. It’s a freedom where you have the resources to do what you want to do and are not forced to do the things you don’t want to do, unless those are sort of the basic things of society that we all agree on. It doesn’t matter how wealthy you are, you can’t drive your car 120 miles down the highway. It doesn’t matter what your wealth is. But it’s that point where you say, “I have everything that I need, and I am able to, by in large, do the things that that I want to do.”
Mindie Kniss:
Cool. One of the things that I’m really interested in all the time in speaking with the guests about is that integration point of wealth. So, for you, if we just say that that’s freedom and then happiness, because I would say some people may feel a lot of freedom in terms of the financial aspects. They maybe can make those choices and do the things that they want to do, but how does that integrate with happiness?
Peter Bielagus:
I think that’s a good question, and I certainly would say that somebody… we can become unhappy by being forced to do something that makes us unhappy. Maybe that’s a job that we don’t like, or maybe that’s a second job that we don’t like, or maybe it’s an industry that we like, but it’s under a boss that we don’t like, and we’d like to move or whatever, but we can’t because we’re tied to this money. So, I do think that the more freedom you have, the happier you are because you are free to pursue that happiness, whatever that is that makes you happy. If you’re not free, and I’m not talking about somebody who’s, in a jail or something, but somebody who just might feel trapped of, “I enjoy going for a bike ride, but I can’t do that because I have to go to my second job,” or, “I can’t travel cause I don’t have the funds to travel,” or, “I can’t…” whatever. “I can’t go out to dinner because I don’t have the money to do that.”
The interesting thing, though, is, you asked me about wealth, and I really, when I talk about wealth, what I really try to focus on or steer away from is the word money, but that’s not all of it. Sometimes we create a lot of unhappiness by thinking just about money and thinking just about, “Well, if I had more money, then I could solve these things or these challenges or whatever I’m going through.” But we also get to decide what makes us happy, and we’re constantly bombarded with advertisements that are trying to tell us, “Well, this thing over here will make you happy,” and all of those advertisements that are trying to tell us that this thing over here will make you happy are all tied to spending money. So, one of the things that we can do is simply start thinking about what makes us happy that maybe doesn’t cost any money or maybe costs a lot less money, and so that’s kind of a way that you can get to that happiness place regardless of how much money may or may not be coming in.
Mindie Kniss:
Thank you, you just summarized the whole point of this show perfectly, because that’s my intention. It’s not just about the money, and yes, money’s fantastic, but there’s so much more to this equation. So, on that topic of happiness, when in your life do you find yourself to be most happy?
Peter Bielagus:
Ooh, that’s a good question. I would say… I mean, the obvious answer is it’s not just doing something that I love. Okay? Because we could all say that, but part of it is doing the things that I love, but feeling it’s okay to do those things. I’ll give you an example. One of the things that I’ve been working on for a little while, which I’ve just had a wonderful experience with, is writing my very first fiction book. I’ve written three nonfiction books, but I’ve been working on my first fiction book. People ask me like, “Hey, do you ever get writer’s block?” I honestly don’t. I don’t get writer’s block, but I do get writer’s guilt. Writer’s guilt is when I’m working on this fiction book that at the moment has not made any money, and I say, “Peter, what are you doing? Working on this thing that doesn’t make any money? You should be working on these other things that do make you money?” You know, calling people to get another speech, sending out a mailing or whatever that is.
So, I enjoy working on the novel. That brings me happiness, but it’s taken a little while to come to that place to say, “It’s okay to work on this particular thing and not worry about whether it’s making money or not. I’m doing it because it makes me happy.” It’s the equivalent of going for a bike ride for somebody else or going fishing, or going to yoga class or whatever.
Mindie Kniss:
I want to dig into that, because as soon as you said writer’s guilt, I’m like, “Oh, gosh, that sounds way worse than writer’s block.”
Peter Bielagus:
Right, right.
Mindie Kniss:
And you and I, we’ve had conversations about guilt. I think a lot of that comes from a religious upbringing and things like that.
Peter Bielagus:
Sure.
Mindie Kniss:
So, what I would love to know from your perspective is how do you get past that writer’s guilt? What have you had to do or what is the mindset shift, or whatever it was for you, how do you get through that?
Peter Bielagus:
That’s a great question. One of the things that really helped me was to admit a truth, which is you just don’t know, or I just don’t know, or we just don’t know. So, in my head, one of the things to bring it up, one of the things that Sean would always say is he would always say that you will always find the evidence you’re looking for, that if you have this belief that publishers don’t sign on known authors, you’ll find all the evidence to confirm your belief. But the truth is, is that you’re only looking at the evidence that you’re looking at. You’re not looking at all of the evidence, which is impossible, because you never know. You can’t know what all of the evidence is.
So, in my head right now, or while I was suffering from my writer’s guilt, struggling with it, I would look at the evidence saying, “Well, Peter, you’re writing this fictional book. It doesn’t make any money. You can work on it, but it has to be the last, last, last, last priority after you’ve done all the other things, because the evidence clearly shows this is not going to make any money.” But who knows how much money that is or is not going to make? That’s true with anything. If people say, “I want to be a professional speaker,” and other folks might say there’s no money in that, well, if you honestly believe that, you’ll find all the evidence you need to confirm that belief, or, “I can’t lose weight,” or, “I can’t meet someone,” or, “I can’t buy a piece of real estate.” Whatever it is, if you have that belief and it’s so strong, you’re going to confirm all of that evidence.
Now, that can be a wonderful thing when that’s a positive belief, but it can be very damaging when it’s sort of a negative belief that’s holding you back. So, I just took the position that I do this because it makes me happy, and maybe it makes me money, maybe it does not. But the things that have already made me money, I’m going to use that money to create more happiness. One of the ways I create more happiness is carving out the time to write. So, it kind of goes in this big loop, and sometimes we can just jump straight to exactly what it is that we want to do. I think that we have to say whatever the venture is or whatever makes us happy or whatever, that we don’t know what’s possible. We at least have to admit that, and we don’t know what’s impossible. We have to admit that. So, trying to justify it in our heads, which I’m certainly guilty of, is not a very worthwhile exercise. Yeah, that’s kind of where I arrived at that, kind of recognizing that truth that I just don’t know.
Mindie Kniss:
I love that. I think that’s super helpful. So, let’s talk about friendship. You and I were introduced by Sean. You and Sean were friends forever, as far as I’m concerned. I mean, I came on the scene, you were already a long time friend of his. So, you guys go way back. Collectively, we have had some hilarious, really awesome experiences together. I mean, when I think of you, I just think about laughing. I mean, we have laughed our asses off collectedly, most especially, probably at the lunatic that was my husband. So, how has friendship… I will say this helped because I’m just making that assumption, helped in your progression of your wealth, understanding of happiness, of this whole experience of you recognizing the freedom that you have to make those choices? How does friendship insert itself in that?
Peter Bielagus:
Oh, so many ways. Sometimes to get over some sort of negative belief or a belief that’s holding you back, you just need someone else to say it, someone else to tell it to you. Sean was certainly someone who never held back, didn’t pull any punches. I have a lot of friends like that, that are just like, “What are you doing? You know you can achieve this. You already did it. Why are you even worried about it?” I think, and we really feel this now in this isolation time of just how valuable our friends are just to be near them, that for me, I’m a single person, so I live alone, but I’ve always been able to just go out and be with other people. So, there is that feeling of being close to someone.
I think the other thing with friendships is that we have to remember that there are certain things that are hard for you that are super easy for me. Then there’s things that are super easy for you that I would consider borderline impossible. Sometimes, a friend can be that person who just whatever you’re struggling with, they can just make it go away by snapping their fingers, because we’re all different, and we all have our strengths and weaknesses, and sometimes your friends can be the strength that you may not have in your life and may never get. You know? You don’t necessarily to work on your weaknesses. You might have to associate, or you might be connected with folks who can just do that. Sean was certainly probably the best connector I knew of how he could just plug different people together and see their strengths and what they maybe were working on and saying that this person needed some help with this, but this person can easily fix that or take care of that particular thing.
You know, I think what my friends, especially in the business that I’ve been in, the speaking business, which I think is kind of unusual in this sense, is just how willing people are to just share stuff. You know, I’ve met people in this business and they’ve said just crazy things like, “Oh, I have a mailing list of all the New England colleges. Would you like it?” And I’m like, “What? Just give it to me.” Right. In doing that, you kind of feel compelled to do that exact same thing and sort of creating this world of abundance.
That’s one thing that the friends that I’ve made have really helped with, where there is sometimes this human desire to just hold on to stuff because you may lose it, toilet paper being the recent example of that, right? You know? Where people grabbed it cause they were afraid they would never have anymore. But what my friendships have taught me is that sharing more and giving more really does multiply whatever it is you were trying to get, that it does come back to you. It may not come back to you in the way that you thought it would, but it comes back in different ways, sometimes that far exceed your expectations.
Mindie Kniss:
Yeah. Awesome. Let’s talk about curiosity. One of the things that Sean brought to the table was getting very interested in what people are curious about. I love this conversation, because even where I’ve known you for a long time, and I know certain things that probably are on that list, but I guarantee you there’s a bunch of other stuff that I’m like, “What? You’re interested in that? How fun.” Maybe I am, or maybe I’m not, and then I just know that about you. So, if you could list five, six, what are you curious about?
Peter Bielagus:
Okay. A few things, I am very interested in quantum physics.
Mindie Kniss:
Yes.
Peter Bielagus:
And this idea that… because I am a very spiritual person. I am a Catholic, and what’s so interesting to me about quantum physics is that we often think that religion is over here and science is over here and never the two shall meet. But the more I learn about quantum physics, the more that I see it’s so close to what religion has been talking about. That to me is just fascinating. It’s also fascinating to me that we have the laws of physics are what they call Newtonian physics, and these “laws are laws”, except on the quantum level, it’s like, “Well, actually, forget, that’s not true at all. Just throw it all away.” You know? And that’s kind of mind-blowing , where quantum physics will say things like that table that you’re looking at actually isn’t there when you’re not looking at it. I mean, things that just kind of like you can’t wrap your head around.
So, that certainly is very interesting to me. Saving the environment in the interesting ways that we can do that, and something that I would call the net environmental effect, that to me is a very interesting kind of discussion to have. What I mean by a net environmental effect is if I for example, I had an acre of trees, is it better for the environment to just leave the acre of trees or cut down all the trees and put up solar panels? And which one of those is better the net result for the environment? Or take a simpler example, is it better to get a brand new heating system immediately or use the current one for as long as you possibly can rather than throwing it into the landfill or recycling? So, those are two things that really just kind of sparked my curiosity.
Mindie Kniss:
Awesome. There’s a framework that I use on every episode with each guest. It’s called HERB, H-E-R-B.
Peter Bielagus:
Okay.
Mindie Kniss:
I’ll walk you through each step. The H stands for habits. What are some of the habits that have allowed you to have the success that you have, do the things that you want to do? What are some of your either daily, weekly, monthly habits?
Peter Bielagus:
One habit is as often as I possibly can, I try to get up early. I am a morning person. When I do get up at 5:00, I get more done before 9:00 AM than I will if I got up at eight and worked the whole day. That is certainly one habit that has worked for me. Exercise as well, especially in the morning, when I exercise in the morning, it’s just a completely different experience for me. I don’t know if you would call this a habit or a lifestyle, but I am very good at keeping my expenses low. That just allows a lot of flexibility sort of the way that my whole life is structured. It allows me to have that flexibility, to have that freedom by sort of keeping my fixed costs, if you will, low.
Mindie Kniss:
All right. Then moving on to the E. E is for environment.
Peter Bielagus:
Okay.
Mindie Kniss:
What do you allow in or not allow in to your environment?
Peter Bielagus:
I do not allow in, or if they find their way in, I politely show them the door, I really want to be around people who build me up and not push me down. Being a professional speaker, a lot of my friends are motivational speakers to begin with, so you get a lot of that, get a lot of people who build you up automatically. But even my friends who are not, I know that they’re looking out for me. Even if they think an idea is dumb or they’re kind of negative about something, they’re still doing it with, I believe, my best interests at heart, and not something that they’re struggling with, their own jealousy or own limitations or something like that.
Another one, this is kind of more recent, but I’ve kind of been blown away by how powerful this is. I don’t allow clutter in my life. I’m talking about physical clutter, just stuff. This summer, for the first time ever, I hired a professional organizer, and we organized my office, and I got rid of things that I never ever thought I would get rid of. I got rid of half of my books, which I thought, You keep books forever.” Nope. Half of them are gone. Then I also got rid of stuff that I totally even forgot I had, like an oil bill from 2008. That oil bill from 2008 was just sitting in a file cabinet, so it wasn’t scattered everywhere, but there was just stuff. Since then I’ve gone through other rooms in my home.
She’s coming back and we’re going through my kitchen, believe it or not. Yeah. So, even things like I’m not going to have any extra spatulas in my life, but I cannot tell you how powerful that’s been. It’s sort of like, “Well, who cares?” Or, “What is this extra spatula in your kitchen going to do for your writing career, for your romantic life or whatever?” I don’t know, but I’m telling you, it was a very powerful exercise to just get rid of this stuff. By the way, that office that we went through, I think it was in July of 2019, it’s still clean.
Mindie Kniss:
Nice. Okay. Now, this is very intriguing to me because I know you, and for the listener, Sean and I would always give Peter a hard time because the one thing that he needs everywhere is an iron. So, yourself, your clothing, the way that you present on stage and in real life, we were just talking right before the recording about how regardless of what Peter is doing, he is dressed and ready to be professional. I’m fascinated to know about this clutter that was in your space.
Peter Bielagus:
Yeah. The thing about my clutter was if came into my home, you wouldn’t see stuff everywhere. It’s not like I’m on that show Hoarders or whatever. But you would, say, see a piece of furniture and there’s nothing on top of the furniture, but there was stuff just in the drawers, just stuff. So, visually, it doesn’t affect the room or it doesn’t affect me, but just knowing that it was in there and getting it out of there was a very powerful experience. I don’t know why, but it was.
Mindie Kniss:
Do you think it’s, in some ways, metaphorical, like the way that you might have presented all of these years as a very professional, well-dressed person, but then you’ve had to do the work internally to clear out the mental clutter and the stuff to get rid of that?
Peter Bielagus:
Right, yeah, absolutely. Absolutely. Yeah. You know it’s there. You know that it’s there. Then also in doing it, I found some things that made me happy, because I’m like, “Oh, wait, I bought this,” or, “Here’s a gift card. I never used this.” You know? So, that was a very, very powerful exercise, and I could not recommend that enough, especially to folks who may not be thinking of it, because they may be kind of like me where you look around and you’re like, “Oh, this place is pretty clean. It’s fine.” But just getting that stuff out has been… well, I’ll say this.
I got rid of half of my books, but now I actually read more, because all the books are now organized and it’s very easy to find one, whereas in the past, I had books in my office, books in my living room, books in my bedroom, and to find a book and say, “Oh, where was that book on whatever?” I’d have to go to all three rooms and look, and I just said, “Ah, forget it. I won’t do it.” But now it’s very easy for me to find everything. That’s kind of the less is more. With less books, I read more.
Mindie Kniss:
I love that you just said that because I have had the exact same experience. I don’t know if you know this, but I basically got rid of everything that we owned after Sean died, and so my life right now is very minimal, and with books, especially. I had bazillions of books.
Peter Bielagus:
Right.
Mindie Kniss:
You know? I have some. I probably still have a lot compared to most people, but I get, and I’ve been reading more too, so that’s very interesting that you just said that.
Peter Bielagus:
Yeah.
Mindie Kniss:
So, moving onto the R. R stands for resources, and resources can be either books or programs or mentors, experiences that you’ve done. What resources have made a big impact in your life and that you might recommend to others?
Peter Bielagus:
I would say other resources certainly have been my friends, for sure. Folks that, like I said, some people can do stuff that’s hard for me that’s just effortless for them, and being able to call on them and having their permission to call on them and not being afraid to just ask them has been a huge benefit in my life. One of the things that Sean used to talk about all the time was taking a look at your friends and who you’re hanging out with. There may be some, for lack of a better term, a clutter friend, or Sean used to use ABC friends, where an A friend would be an A+ friend, a B friend is a “Be” careful. We’re not sure about that person. Then a C friend was a “See” you later friend, somebody who maybe should not be in your life.
Another resource that’s been very, very helpful lately has been the book The Miracle Morning by Hal Elrod. What I love about that book is it’s basically a morning routine, but it’s one that it’s up to you. It can take 90 minutes or more, or it can take five minutes, literally. That’s what has helped me, because this morning, I did my miracle morning in about eight minutes. You know? But I did it. Another thing that I’ve gotten back into, which is, again, part of that miracle morning is journaling, is writing stuff down. That’s certainly been a big help, just gathering my thoughts, those kinds of things. Then I think something that’s helped me a lot is not only having the big goals, but making sure I have what I would refer to as the can’t fail goals.
The can’t fail goal, I just did one before this call. I went for a mile walk. Okay? I said, “It’s a beautiful day here in New Hampshire.” I said, “I’m just going to go out before this call, before the day gets too crazy, and I’m just going to walk for a mile. That’s it,” and now I feel like I just accomplished something because I did. Granted, I didn’t sell a million dollars worth of product today, but I accomplished something. We can sometimes get inspired by our goals, but we can sometimes get very frustrated because they just seem so far away. That’s not to say don’t have a big goal, but make sure there are those little tiny steps of literally ways that you can’t lose with that particular goal.
I guess the final thing that was a resource that Sean gave me was just this mindset where he would say, “Always ask, what’s funny about this?” That’s been such a gift because you get a flat tire in the rain on the way to a job interview. Well, that sucks. So, how do you deal with it? You can change the tire and be late for the job interview and show up soaking wet. That’s probably what’s going to happen. But you can also say, “What’s funny about this?” You have a story to tell. Even if you can’t figure it out, it does make those situations a lot easier.
Mindie Kniss:
Yeah. I love that. The B in HERB stands for beliefs. What are, in terms of your world view, the way that you look out at the world and you say, “This is the way that the world works,” what are one or two beliefs that have really helped define who you are?
Peter Bielagus:
I would say number one, anything is possible. Okay? Like I said before, you just don’t know, and don’t get caught up in the evidence trying to think that you know. Number two, I would say I’m very careful who I judge, because I have no idea what they’re going through, and sometimes I’m shocked by what people are going through. I can remember, I’ll give you a story that when I was very early on starting out in my speaking business, I had this very naive view, I guess, of the world, because I had lived in the same place pretty much my whole life, I went to college somewhere else. But I started speaking, and I was in all these different places all throughout the country, urban cities, rural areas, different students, different races, different faces, different places.
I remember this young woman came up to me, she was a first-year college student, so she was probably 18 years old, and she said, “My identity was stolen. What do I do?” And I say, “Well, what you need to do is you need to file a police report, and then in filing that police report, you can eventually send that to the credit card company, the credit reporting agencies, and they’ll take those items off of your credit report.” I thought, “Boom, I did my job. You’re welcome. There we go.” Then she got very quiet and she said, “Well, there’s one problem,” and I said, “What is that?” And she said, “It was my mom who stole my identity.” So, by filing, if she filed that police report, then that would mean that she could theoretically send her mom to jail.
So, I learned, and I remembered that story as I went throughout my whole speaking career, when somebody says, “I can’t save any money, I’m broke,” or, “My credit is terrible,” okay, maybe it’s because they’re lazy, sloppy or whatever, but maybe there’s something like that behind it. You just don’t know. Then the final thing is that I do think everyone is good, and when they’re not good or when they’re struggling with something or they’re doing something bad, I still think that they’re trying. I think that they’re trying and they just don’t know how to get to where they need to get to.
Mindie Kniss:
That definitely shows up in you and the way that you interact with not only people that you know, but people that you don’t know. So, yeah. Huge props to you just with that respect that you have for everyone, I would say. So, Peter, if people are interested in learning more about you, about your work, about what you’ve got coming up, what would be the best place to send them to?
Peter Bielagus:
They can go to my website, which is just my name, PeterBielagus.com, and they can find me there. I am on Facebook. I am on Twitter. Both of those have the handle, @GettingLoaded. Folks can also find me on YouTube as well. I’ve got a show there called Money in the Movies, where we review movies based on their financial accuracy. So, it’s kind of a fun way to use movies to teach about personal finance.
Mindie Kniss:
Awesome. I will link to all of those in the transcript, so they’ll have direct access to that. I’m really excited to let everybody know that you are also going to be involved with the Lucrative Speaker Summit coming up in August. Give a one minute brag, because you’ve had so many different, interesting experiences, successes. You’ve done a lot in the speaking world, and I’m excited for our audience, because they will get to glean some of that wisdom and experience from you. So, could you just rattle off of a few of your… like, you’ve been in business how long, all these different things?
Peter Bielagus:
Sure. I’ve been a professional speaker going on 16 years now. Like I said, 49 states, several countries. I have written three books on money management. One of those was self-published. Two of those were with major New York publishers. I’ve spoken from crowds of up to, I think my biggest crowd was 3,500 people. One of the interesting things that I was able to do as a result of my speaking career, which is extremely rare, I did not realize how rare this was, is in, I think it was 2007 that the United States Navy actually flew me out on a five-hour flight to land on an aircraft carrier to give a speech to a bunch of service members who were on the USS Abraham Lincoln in the middle of the Indian Ocean.
That was just a wonderful chance to help our service members with their finances, because they have some unique challenges that civilians don’t have, and some unique opportunities that civilians don’t have. But that was just an incredible experience to land on an aircraft carrier and actually take off again on an aircraft carrier. There are people serving in the military for 20 years, and they’ve never landed on an aircraft carrier before, and I had the opportunity to do that. That was kind of a cool thing. That’s what’s really exciting about the speaking business is stuff like that does happen in different forms in different ways.
Mindie Kniss:
Yeah. I love that. The stories that you’ve told me about that, just even the physical experience of being over that thing is pretty crazy. So, if you all want to hear more about that, definitely check out LucrativeSpeaker.com. Most especially, because what’s unique about you, Peter, is we have a lot of friends that are speakers, but I would say the majority of them are not actually on stage as much as you have been. You’re often traveling, you’re often on stage a lot of the time. I think those that are out there that are like, “That’s what I want. That’s the lifestyle that I want to create,” I can’t wait for them to hear what you’ve got to say. So, again, that’s LucrativeSpeaker.com. Check it out. Peter, thank you so much. As always, it’s awesome to spend time with you.
Peter Bielagus:
Thank you. Again, thank you for having me.
Mindie Kniss:
Absolutely, my pleasure.
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