The Chris Harder Show

My Two Cents – Ep. 59 – The "Up-Leveling Trap" and How to Avoid It We're often told that if we want to get further and have more success we must start surrounding ourselves with those who are doing what we want to do or are doing bigger things. This is a good thing, however, when we continually spend time with these types of people we start falling into the "up-leveling trap," which is comparison. We start feeling like we're not doing enough because we're not where they are. But here's the thing…mentors are supposed to be ahead of you! Don't compare your journey to theirs. Be conscious of your own journey and love where you're at. "You have to pause and look back at how far you've come instead of looking at how far you have left to go." Be grateful that someone else has done it first and is willing to share how to get you there. Be grateful they've given you a "roadmap." "Be grateful for who you are and what you have right now and what you're doing, but be equally excited about where you're going." When you can find this balance between the two, you know you're on a healthy journey to success and abundance. The next time you find yourself about to fall into the up-leveling trap, do me (and yourself) a favor and make a conscious effort to stop comparison in its tracks. Catch your thoughts and meditate for five minutes in a quiet place. Think about and picture how far you've come in the last week, month, year and beyond. I promise it will shift your perspective and help ground you where you're supposed to be. It's definitely normal for these thoughts to come up, but it is not OK to let them stop you, to wallow in them or let them be an excuse. Be grateful that others have paved the way for you and also allowed you to create your own unique path to success. And be assured that if you stay ambitiously on this path success and abundance will follow. In This Episode You Will Learn: What the "up-leveling trap" is and how to avoid it Why the gap between you and your mentors should be view as a roadmap Why it's important to have gratitude for your journey Resources: For more stories and tips on becoming unapologetically wealthy, follow me @Chriswharder on Instagram and check out fortheloveofmoney.com.

I am so glad that today's guest and wildly successful entrepreneur, Joey Fazio, and I were recently introduced by a mutual friend. Growing up in a military family, his life was a bit atypical as his father was gone often (at age 12 his dad was deployed and didn't come home for three years). Joey left his parents' home at the age of 17, joined college a little after only to eventually drop out at age 20 and join the military (Air Force) himself. Always having an innate drive for success and dreams of bigger things, he left his secure military job to pursue the unknown. Unfortunately, his wife at the time (who had two children with) did not share his passion, and they divorced. So, at the age of 26, Joey started over with a negative net worth, but knew he would become a multi-millionaire by age 36. Spoiler alert: He's now 36 and a multi-millionaire. You don't want to miss this episode as Joey shares his amazing, but sometimes difficult entrepreneurial journey. I truly appreciated how authentic and vulnerable our conversation was and I know that you will resonate with it as well – especially on topics of relationships, money and giving back. -- Question Highlights: What were you feeling like when you were starting over with nothing? What is your advice for those who feel someone they love is holding them back? What did you learn in the military that you use today? Where can someone develop discipline if they haven't been in the military? Of your business, which is your favorite? Where does your insane entrepreneurial drive come from? Would you be able to make as big a difference as you do now without money? What does money mean to you? How do you want your kids to grow up viewing money and opportunity? In This Episode You Will Learn: About how Joey turned a negative worth into millions Advice on what to do if you have an unsupportive partner or spouse Why discipline is essential to growing a successful business The importance of working from the bottom up in a company Why time and opportunity is more important than money How Joey raises his kids to view money And so much more… Joey's Thoughts… "Time is the most valuable resource that any of us have." "Act now – the sooner the better." "Couples that share goals and have the same vision have a much higher chance of succeeding than those with separate goals." "If you don't have the partner who supports you and sees your vision – leave." "Start at the bottom. Work every position. Be the smartest person in the room." "If you have the opportunity to put yourself in a position of power and that truly helps people and makes a difference – do it." "You can't help anyone from the bottom." "If you piss off 10 people to help a million – do it." "It's not about the money, it's about the opportunity." "If you're going to help, go all in." -- Joseph Fazio, is a seasoned entrepreneur who has owned and operated businesses for 18+ years. Joseph has owned/owns 4 different franchised business models as well as proprietary concepts and start-ups. Specific to restaurants, Joseph owns several Denny's franchises and is a certified restaurant operator. Joseph, has won multiple awards with the Denny's organization and was named IFA Franchisee of the Year and was awarded by Congress in 2013 for work two Tint World stores that he owned. Joseph, holds college degrees in both Computer Science and Human Resources Management and is a Disabled Veteran having served six years in the United States Air Force. Since separating from the Air Force, Joseph has owned/operated over 20 businesses and has excelled dramatically in both the fitness and entertainment arenas. In 2016, Joseph sold the largest outsourced personal training and gym management company in the United States, after growing his company to 2,000+ personal trainers and managing over 300 gyms. During this time, Joseph created the supplement company "FitStrong" that sponsored/managed 6 top 10 Olympians as well as roughly 100 other athletes/ambassadors. During this time, Joseph perfected athlete and celebrity marketing/management and currently works with some of the biggest names in social media as well as professional athletes and entertainers. Joseph is now a multi-unit franchisee of Crunch Fitness and is developing Phoenix, Arizona. He has expanded the FitStrong brand to include nutrition shops, and is in the process of becoming the franchisor. Joseph, brings a plethora of business, marketing and branding knowledge to any team. Joseph's background in computer science, combined with his involvement in the celebrity and athlete management space, empowers him with a high-level understanding of social media, information technology, and network marketing. Joseph's various skill-sets make him a key player to have. Resources: IG: @joeyfazio13 Joseph.fazio@gmail.com Guardians for Heroes: guardianforheroes.org -- For more stories and tips on becoming unapologetically wealthy, follow me @Chriswharder on Instagram and check out fortheloveofmoney.com.

Take a poll on how people feel about sales and my guess is that you'll see a large portion of people who are uncomfortable with it or just plain don't like it. If sounds like you, I encourage you to stay put and hear my take on it. First off, sales intrigues me. I'm kind of a nerd that way, but I like it! And maybe it's because I do approach it from a more positive perspective. "You're always selling someone on an idea that you believe in." Whether it's a point of view or a product, I think most can agree with that statement, but link it to money and that's when people start to get uncomfortable. And it's likely because they had bad experiences that helped support that feeling. So my goal with this episode is to change those opinions and feelings around selling and help you get comfortable with it. Let's take the words "sales" and "money" out of the equation. Now you can focus on the people, and offer them a valuable solution for their problem. "You're currently placing too much value on money and not enough value on your customers' needs." It's all about an equal energy/value exchange. As Lisa Nichols puts it, "Sales is just a dignified conversation enrolling two people into a new possibility to enhance their lives." Sales doesn't have to be sleazy and it doesn't mean that anyone is getting the wool pulled over their eyes. Sales is taking an interest in the actual people – not their money (even though that's an amazing side effect). "The best sales are caring conversations." But just like any relationship, don't be surprised if the sale or friendship isn't locked in right away. It takes time and follow-up to build a connection. Have patience and don't make the mistake of stopping that conversation because you think they're going to say no. "Don't create a false no in your head just because the person who you're selling to isn't ready to say yes." A person saying "not yet" is not a NO. Don't get tripped up by doubts and don't stop out of fear or being judged. The world needs your unique solutions! "Not selling to protect your ego is being selfish – not caring." If you're aligned in integrity and you whole-heartedly believe in your solution or product, it will eventually happen and abundance will appear. It is your moral obligation to share your solutions with others. Because if you're not, who else will they turn to? In This Episode You Will Learn: Why people are so uncomfortable about sales How sales is essentially helping to solve peoples' problems Why it's so important to take an interest in those you're trying to sell to Resources: For more stories and tips on becoming unapologetically wealthy, follow me @Chriswharder on Instagram and check out fortheloveofmoney.com.

Top fitness entrepreneur and founder of JillFit, Jill Coleman, has always had a love for fitness and was confident in her ability to effectively train herself and others. It was only when she decided to move her business completely online that she realized she had a lot to learn. Immersing herself in all things business from books to a business coach, Jill built a business that now helps others build an online platform for their own fitness business. As with anything, her success didn't grow overnight, however with an abundant and authentic mindset, she now has waitlists for her programs. Jill truly believes that there is enough for everyone and if you're staying authentic to who you are, you're always going to attract the right people – and more money to go with it. If you're looking to catapult your fitness business (or any other business) forward, this podcast is sure to inspire you to take action – especially if that action isn't perfect. Don't miss business lessons and nuggets of wisdom from this seasoned entrepreneur! -- Question Highlights: What is the back story to your successful fitness entrepreneur journey? Has perfectionism held you back and if so, how did you break through that? Were you 100% sure with the decision to move your business completely online? How do you find time to balance fun and business? How did you know it was time to start delegating in order to leverage your time? How did you convince yourself to invest in business coaching? Why are masterminds so effective? What trend are you seeing when it comes to money mindsets? What role has generosity played in your business? In This Episode You Will Learn: About Jill's fitness entrepreneurial journey How perfectionism can hold you back About the significance of choosing time over money Why investing before you're ready can catapult your business The benefits of having an abundance mentality Why Jill prioritizes her work over the money Why it's so important to give not only money, but time, knowledge and emotional bandwidth And so much more… Jill's Thoughts… "I'm not going to be for everyone, but the people I'm for I'm going to deliver them the best value." "I'm willing to take coaching or feedback, but it has to be from a source I trust." "Know what you're good at, play to your strengths and do the best with the rest of it." "The more I spend, the more I bring in." "If I enjoy what I'm doing and I enjoy what I put out, I'm going to do more of it and keep doing it." "The more money I've made, the more I've given." "If it's not shared, it's not valuable." "I prefer the messiest action over the most perfect inaction." "The more I invest in myself, into others and experience, the more I get back 10-fold." -- Jill Coleman, is the co-founder of Metabolic Effect Inc. and the owner of JillFit, a health and wellness brand, with a unique focus on mindset. She holds a master's degree in Human Nutrition from the University of Bridgeport and a BS in Health & Exercise Science from Wake Forest University. Jill's 16-year journey in the health and fitness industry began when she got her very first job at a gym just for the free membership at 15. Since then, it's a been a whirlwind of education in exercise science and nutrition, fitness competitions, landing several national covers for fitness modeling and plenty of business growth. Jill's work has been featured in SELF magazine, Family Circle, SHAPE, Women's Health magazine, Prevention magazine, among others. Jill's passion lies in coaching in the areas of mindset, body and business, which she does via her elite yearly membership for women, The Best of You Coaching Club. -- Resources: Best of You – Year-Long Business Mentorship Program in the Fitness Space bit.ly/jf_boy2018 IG: @jillfit FB: facebook.com/JillFit/ -- For more stories and tips on becoming unapologetically wealthy, follow me @Chriswharder on Instagram and check out fortheloveofmoney.com.

Ah, balance – it's something you hear a lot of about. So is it real or is it a fairy tale? If the mere mention of balance has you feeling conflicted, you're not alone. Do we let flow just happen or do we take the bull by the horns and make it happen? As an entrepreneur, you have people like Tim Ferriss who promote a four-hour workweek while spending your time on remote islands or anywhere else in the world you want to work. And then you have the die-hard, Gary Vaynerchuk's, who are all about the hustle and working harder and harder. Honestly, I agree with both sides of that coin because either way and at some point, you're going to feel guilty. It sets in when you're working hard and take a break or not working as hard. Or it happens when you've got your sleeves rolled up, working hard and people tell you you've gotten out of touch and they never see you. That's why I believe that daily or weekly balance is a myth – or at the very least, it's misleading. "Balance is something that's always changing and that's the key. You need to honor it and change with it." Lori and I like to talk about in terms of "seasons." I cannot stress the importance enough of honoring the season you're in. Don't let someone else dictate what you should be doing, what do you feel like doing? "The key is to trade 'should' with 'I feel like.'" Pay attention to what you're feeling like. Are you amped and ready to power through for an extended period of time, or do you feel like going to the beach and eating pizza? Whichever season it is, know that eventually you're going to want a change. If you're working hard and in a productive mode, you're eventually going to want a period of rest, travel or play. On the flip side, those beach days will soon lead to boredom and restlessness and you'll likely crave a productive season. While I'm no expert, my typical "doing" season is about 120 days max and my season of "rest" follows for about 30-45 days. Again, these are just MY seasons – yours may be very different as there's no magic formula. Balance is purely subjective – it all boils down to how YOU feel. So in an effort to help you find balance between your seasons, I challenge you to do two things: Listen to and honor your season. Ignore all social media and other influencers (yes, even me) who are in a different season than you. Trust me. It will only make you feel guilty, Once you figure out this balance, I know you'll feel better. And when we feel better, we can do even more amazing things in life and business. In This Episode You Will Learn: If balance is real or just a fairy tale How balance can be compared to the different seasons The difference between a productive and rest season Resources: For more stories and tips on becoming unapologetically wealthy, follow me @Chriswharder on Instagram and check out fortheloveofmoney.com.

Now that I've got your attention, I'd like for you to meet Polly Rodriguez, Founder and CEO of Unbound, a sexual wellness company. Raised in the Midwest, this was not the path she saw herself taking early on in life, however after a cancer diagnosis in college and consequently a premature onset of menopause at the age of 21, she was compelled to dig when she found a lack of information in regard to it. What started as a small quest to more comfortably purchase sexual wellness products, Unbound has now grown into a wildly successful business (despite multiple barriers and misconceptions to break down) that empowers countless women to explore their sexuality. Don't miss this inspiring story that proves that anything is possible! -- Question Highlights: • What thoughts went through your head when you were diagnosed with cancer? • What is Unbound? • Where did you get the idea for it and how did it get started? • What was one of your biggest business challenges? • Was there any hesitation about starting a company in the sexual wellness field? Were you worried what your parents would think? • What does the landscape look like for women entrepreneurs? • What has to happen in order for it to be easier for women to have a successful start-up? • What initially drove you to give a portion of your business profits away? In This Episode You Will Learn: • How Polly came up with her business, Unbound • About the challenges of running a sexual wellness company • How Polly overcame the stigmas and misconceptions associated with sexual wellness products • Why giving away a portion of Unbound's profits boosts team morale • Why getting cancer is a huge part of Polly's success • Why it's so important to have a career that's more than just a job, that it has a purpose • And so much more… Polly's Thoughts… "Everything's a good experience if you have the right attitude." "If you can be really vulnerable and honest about what it is about human sexuality that interests you, you can just simmer in that awkward moment and why you're interested…and only good things can come from that." "I had to be brutally confident that it would work out." "Women, especially millennials, want a job that has a bigger meaning or purpose." "It's not just about selling, it's about something more meaningful." "Getting cancer was this weird gift that gave me permission to pursue a different path." "Something that feels selfish can actually be a charitable act in a lot of ways." -- From the start of her career, Unbound's CEO, Polly Rodriguez, has always been committed to elevating the customer experience from acceptable to exceptional. With a background in strategy consulting, she began at the firm, Deloitte, where she innovated new, thoughtful approaches to outdated customer tactics. Translating this skillset to an entirely different industry, Polly's next role was as Director of Growth for the YCombinator startup Grouper, which focused on the most flawed experience of all: dating in New York City (and subsequently globally). Yet, there was one interaction that continued to plague her — the process of shopping for, and finding, adequate sexual wellness products for the modern woman. It wasn't until Polly was diagnosed with cancer at age 21 and went through premature menopause as a result of the radiation treatment that she faced the disparaging barriers that women encounter when seeking to explore their own sexuality. Wanting to ameliorate the process of shopping for sex products — one that is often overwhelming and uncomfortable — she took her place as the CEO of Unbound, a sexual lifestyle company that specializes in subscription boxes, one-off thematic sets, and most recently an original collection. With the goal of helping women empower themselves through sexual exploration, Polly continues to innovate new and unprecedented approaches to a rapidly evolving industry. Resources: Unboundbox.com -- For more stories and tips on becoming unapologetically wealthy, follow me @Chriswharder on Instagram and check out fortheloveofmoney.com.

My Two Cents today is about a simple, but powerful topic, and it's about the importance of becoming more open…waaaay more open. Currently, I know a lot of people who don't understand why they're not further ahead than they are in life. The common denominator? All are working in silos – ideas, groups of people, etc. They've gotten so used to the way things are (and should be in their minds) and they aren't open to anything different. I can say this because I've been this person. I've shut down so many different opportunities all because I had already made a decision as to what it would be like. But once I became more open to entrepreneurship, networking and new point of views, the new possibilities rolled in and became new realities. And as embarrassing as it is to admit, I'm also more open to new people that I may have judged in the past. In order to make this shift though I had to get over the fear first. "Our lack of openness comes from fear or fear of change." I know that change and everything that goes along with it can be uncomfortable, but try different things on for size and see what happens. I've had so many life-shifting experiences that forced me to be more open and at the same time created amazing opportunities – in both life and business. What if that one small (or big) leap changes your life, too? So if you're wishing for more abundance in your life, whether it's money, happiness, memories or experiences, know that it comes down to this one powerful choice. And now's as good a time as any to make it. "Your break is on the other side of choosing to be open." In This Episode You Will Learn: • Why becoming more open will create more abundance in your life • How trying something "on for size" can lead to huge life changes • Why busting through fears is a part of being more open Resources: For more stories and tips on becoming unapologetically wealthy, follow me @Chriswharder on Instagram and check out fortheloveofmoney.com.

I heard today's guest, Olenka Cullinan, speak at an event recently and I just knew her story had to be shared with this audience. In a nutshell, this entrepreneurial powerhouse left Russia at age 19 with only $450 to her name (that she borrowed from her uncle) determined to seize the American dream and build anything she wanted. While growing up in an entrepreneurial household (her mom was a die-hard entrepreneur with her own company), she chose to pursue education instead in an effort to distance herself from the entrepreneurial world. Once in the U.S., she worked three jobs at one point to complete her education degree (and completed it without owing a cent!). While Olenka loved teaching people, she soon felt the pull to do more and leapt back into the entrepreneurial world while combining it with her training in education. She may have started off with humble beginnings, but she has since used the skills she knew she had and BUILT her own success. Olenka is determined to help others discover their passions and now teaches teenagers the skills to become successful entrepreneurs in her Rising Tycoons Academy. She truly believes in helping this country's youth turn their dreams into a dream life. I already know I'll be applying the principles she taught in this episode to my children down the road. Be sure to tune in to find out how you can too. -- Question Highlights: Why didn't you choose to be an entrepreneur right away when you came to the U.S.? What is the opportunity landscape here in the U.S. compared to where you came from? Do you believe there is an immigrant edge that gives you a leg up in terms of grit and hard work? What is Rising Tycoons? Where can adults do a better job in creating kid tycoons? What is a "passionista?" What is holding people back the most when it comes to pursuing their passionista journey? Do you see teens struggle with the same limiting beliefs that adults struggle with when it comes to earning money? How do you want your daughter to view money and success when she grows up? In This Episode You Will Learn: How Russian-born Olenka became an entrepreneur living the American dream How nothing is required outside of your own mindset and skills to build success Why opportunity is wide open for everyone Why it's so important to look at the actions that lead to results How Olenka teaches teens success skills in entrepreneurship, leadership and personal development Why parents must educate themselves on the world around their kids Why it's imperative that we stop preparing and start doing And so much more… Olenka's Thoughts… "If skills are learnable, then success is learnable, too." "Comfort and execution don't live on the same block." "You always choose. You can look at any circumstance in your life and choose what it becomes. Is it going to become an excuse or an opportunity? Because you can't have both at the same time." "We can only change the country by changing the next generation." "Stop preparing and start doing." "You have to practice the unsexy routine to get anywhere, but you have to give yourself small pieces of 'candy' along the way to remind yourself why you're doing that." "Kids have no issues with having dreams. They only have issues finding pathways for those dreams." "The moment you stop looking at money as something to move you forward and start looking at it as something that creates love in your community, family and in the world around you, is when you'll change your perspective." -- Olenka Cullinan is a CEO and Founder of Rising Tycoons, where she turns teens into mindful tycoons. Speaker and Success coach, Olenka has developed a "Backbone of Success"™ method that helps leaders become successful in life and the world. Olenka's work with teenagers from 21 countries, combined with humor and personal experiences led to her recent appearances at TEDx (twice) and made her into one of the nation's premier coaches. She has worked with startups, corporate leaders and some of the top youth organizations in the country: e.g. National Association of Secondary School Principals, National Association of Student Councils, Boys & Girls Clubs of America, TEDx, Job Corps, & Rotary Youth. Rising Tycoons Academies (RTA) program offers hands-on, real-world training, preparing a new generation of aspiring values-based entrepreneurial Leaders. Resources: olenkacullinan.com Go to OlenkaCullinan.com/fire to receive Olenka's free eBook: "Stop Preparing. Start Doing." You can also find the sign-up for her digital academy. IG: @olenkacullinan FB: facebook.com/olenacullinan -- For more stories and tips on becoming unapologetically wealthy, follow me @Chriswharder on Instagram and check out fortheloveofmoney.com.

What would you say if I told you that your future is fully in your control with the help of one empowerment hack? Too good to be true? Possibly, but then you're not using the hack. ;) Today's Two Cents talks about accepting 99.9% responsibility for your current situation. Think about it… The dots (your choices) always connect back to you. Whether it's a moment of weakness where you said yes or no to something or you missed an appointment because your car broke down…it doesn't matter. Whatever the "event" was, you made a choice and that choice is why you're where you're at now. Look, I'm not trying to be an ass (maybe trying to offer a bit of tough love), but this is meant to be a wake-up call to empower yourself by owning your choices! For example, when I lost my job some years ago, I could have blamed the recession, the company etc. But I didn't. I blamed myself because I chose that profession and I could have saved more money so it wasn't such a scary thing. I owned where I was and that day I made the decision to make a career change. "Once you own that you have caused the exact spot you woke up in today, then you are able to determine the exact spot you'll be in tomorrow." It's not always easy to own your choices – it's actually downright uncomfortable. But trust me, when I tell you that it's also where the magic happens. "You're fully in control to make your life awesome…or to make it difficult. It's your choice." Start owning your choices TODAY and create the life YOU want. In This Episode You Will Learn: What empowerment hack can help you create the life you want Why it's important to own our own choices How to recognize who's responsible for your current situation Resources: For more stories and tips on becoming unapologetically wealthy, follow me @Chriswharder on Instagram and check out fortheloveofmoney.com.

Imagine fleeing to the U.S. from communist Armenia at the age of 6 only to live with your family of five in one bedroom of a two-bedroom apartment. Your family is broke, you don't speak the language and you've been elected to go dumpster diving for expired food at the nearby grocery story. This was Bedros Keuilian's life and just a couple of the many other adversities he faced as a young immigrant. Having recently met Bedros at a mastermind event, I knew his story was one I needed to share. Not only does he provide a unique perspective, but he's also able to speak to so many aspects of entrepreneurship and money. Tune in to hear how he went from being broke to becoming the mastermind behind many of the most successful brands, businesses, thought leaders and best-selling authors throughout multiple industries (including the company he founded, Fit Body Boot Camp). This epic conversation is definitely one you want share with your friends and family. Enjoy! -- Question Highlights: Did your upbringing feel tough or did it feel normal to you? Do you feel that immigrants come here with a stronger work ethic and desire to succeed more than someone raised in the U.S.? How do you raise your children knowing they'll grow up privileged, but instill in them the grit and edge to know that they need to earn their keep? Who are your mentors? Did you know deep down that you were going to be this successful or was it a slow progression? What's the secret to asking people to pay you what your worth? How does one build self-confidence? Why is it so important to you to be a massive giver and to have your clients follow suit? In This Episode You Will Learn: How Bedros experienced adversities as an immigrant and overcame them The difference between a poor state of mind and always being financially broke How Bedros is making peace with the scars of his childhood About different ways to raise kids to be grounded and giving humans Why self-confidence is the missing ingredient in many entrepreneurs and how to build it How to turn adversity into an advantage Why it's important to give without expectation And so much more… Bedros's Thoughts… "I've got the immigrant edge and the American dream." "The more you pay, the more you pay attention." "I learned to turn adversity into an advantage." "Take a little bit of money from a lot of people." "Build your self-esteem and confidence so you know that you deserve more. Once you know you deserve more, you will command more." "Being self-aware builds self-confidence." "The best high I can get is to serve." "We, as humans, have to be selfish in order to survive." "I can put my money to work to help the people I love." -- Before You Can Build an Empire, You Have to Walk Like an Emperor… Bedros Keuilian is the One Man Who Can Teach You. As a child, he ate out of dumpsters and couldn't speak a word of English. Today, Bedros is a best-selling author, and the founder and CEO of the world's fastest-growing fitness franchise, Fit Body Boot Camp. He's also famous for helping 24 of his clients go from being in debt to growing 7 figure generating empires, and helping thousands more turn their passions into multiple six figure businesses. Resources: bedroskeuilian.com IG: @ bedroskeuilian FB: facebook.com/bedroskeuilian Bedros's book, Man Up, comes out July 2018. Be the first to know details, by signing up at ManUp.com -- For more stories and tips on becoming unapologetically wealthy, follow me @Chriswharder on Instagram and check out fortheloveofmoney.com.