The Most Expensive Mistake In Sports (And Why Your Spouse Is Hiding Cash)

Hey everybody, welcome to another episode of Red, White, and Green. This is financial advice for people who love America. Who doesn't love America? Capitalism, money. That's what this show is about. We're going to teach you how capitalism works in America. How you can put more dollars back in your pocket and

how you can build your net worth. We got a great show for you today. Did you know something, Brooks Kepka, you might have to pay a $90 million fine. We're going to talk about that. Pay that back to the PGA tour. We're going to talk today about something that people know in Las Vegas. They know how to separate you

from your wallet. And they didn't teach you this. They didn't teach you how to be smart. So, these companies don't separate you from your wallet. And have you ever heard of a papuccino? Yes, a papuccino. We're going to talk about that and more. I'm with my co-host every week in here. The famous, the best, the

good-looking. >> I'll stop. >> Southside Stephen Rickman. >> No, don't stop. More compliments. I need them. I don't get them at home anymore.

I get them from you. >> They don't compliment you at all anymore. No, nobody wants to hear about it. Matter of fact, my wife's like, "Why is your hair so blonde?" I said, "Because the hair stylist, number one, was leaning over me and I'm like, "Whatever you want to do." And she said,

"If we dye it blonde, it it won't take as long to go gray. You'll get 10 weeks before you have to color it again." Steve, this is our fourth show of Red, White, and Green, and a couple of people have asked me now.

>> Yeah. >> Where did the whole name >> Southside Steve actually come from? >> Okay. Well, it's a quick story, but it's a messed up story. Uh, it is >> makes sense.

>> True. Cuz I did not pick it. Matter of fact, I didn't want it. I begged not to get it. So, it was pinned on me. I have a cousin, and I'll say his name. Paul Waller. You know, >> you know who you are, Paul?

>> No. bullied the hell out of me when I was little and they all lived in Dunwoody and we lived on the south side in College Park. So he would always say, "Hey man, how's it going down there?

What kind of are there a lot of trailers around your house?" He goes to speak me down about the Southside being broke and he goes, "Uh, how many uh bonanzas have uh turned into Dairy Queens?" You know, he just messed with me. And I said, and then he started calling me Southside.

And then he started calling me Southside Steve. and it just just infuriated me. And the dude's only a year uh older and then the whole family, you know, his other two brothers start calling me Southside. So, it just always upset me.

So, I I was like, "Whatever." But then I get on the radio and I'm telling Christopher RDE, who's the show host, and he and he just looked at me. He goes, "Where are you from?" And I kind of gave him the story. Well, we all lived in West End. Half the family moved north, half moved south, I moved south.

And uh matter of fact, I got a cousin. He calls me south. Uh, so I told him the whole story. Next thing I know, next break on the air, Chris RDE goes, "Well, we're here with Southside Steve." And I'm like, >> "Cuz you don't when you live on the southside." I'm like, "Man, girls in

Buckhead for for reference of of right downtown where all the hot people are and the north side is the wealthy side in this city. You don't want those girls to know you're from the south side.

They're all driving 3 series BMWs and going to UG and red toenail polish." So I said, "Stop. You're going to crush me." And he's like, "You know what? In the future, you'll thank me. I just gave you a nickname and you can carry the flag for that messed up side of town." >> When you went to Southside Steve, did it

up your dating game? >> It actually over time it did. It did. It actually worked. I have since publicly thanked him. So now I own Southside Steve.

>> Now you know folks, episode four. Don't forget this one. And now you know the germination of the name Southside Steven Rickman. Southside Steve. I still call you Steve though.

>> Thank you. And I appreciate that you do that. You could call me Rickman or Rick. People do that. But here's the thing. If you're moving to Georgia, don't go to the south side. Unless you go to Nan.

That's your only chance. >> Nan is like the alpharetta of the south right now. >> That tree city are the areas that are like the north side. But you're right.

It's just a bad side of town. So now everybody knows. >> All right. Every week's folks, our first segment here, I love to bring you some of these money headlines about capitalism and what's happening with people's finances. This is news you can use. And Steve, this first article I

pulled out, I don't think a lot of people paid attention to this, but Brooks Kepka >> Mhm. >> you know, one of the best guys in the majors. He really is. He's one of those guys. He just dials it up during the majors said, "I am going to leave the

live tour." >> I didn't think you could. I thought once you did that, you signed in blood. You thought the Saudis had you in shackles. That's what it was. Like once you signed up for the live tour, >> there's no going back. No, no, America.

>> Don't worry. >> No. >> He said he's going to rejoin the PGA Tour, which I think the PGA Tour is actually very excited about it. But it could cost him, Steve, up to $90 million penalty to rejoin the PGA Tour.

>> Is that because he's having to pay live money or is the PGA penalizing him? >> So, here's how this works out. First of all, the PGA said you've got to make a $5 million charitable donation with the tour's guidance. Like, you've got to donate to charity. $5 million. This is almost one of those things like, "Son,

we got a penalty here for you. This is capitalism. Like, you know, you want to play in the game and get back into the PGA's good graces, you got to throw $5 million so they know that like you're not the bad guy that went to the away team." That's his personal business, my opinion on what he does with his money

as far as charity. I mean, why not have him do community service and pick up trash in front of all the big golf courses? Yeah. >> Before the tournament or after >> put him a little orange jumpuit and make him work in the parking lot or something, right? Well, how about this?

>> Let's say Brooks does well this year. If he does well in the PGA, he is ineligible to win any FedEx Cup money. >> That's where all the best golfers make cheese, man.

>> We're talking $25 million. If you win the full prize, the full monty 25 million, he can't win that. So who he could lose those earnings. Now I'm not saying Brooks is going to win because I don't think there's a chance in hell that he's going to win the FedEx Cup this year. That's right, Brooks. I'm

telling you, there's not a chance it's going to happen. >> Ted knows. >> But I do think Steve could win a major. I do think that he's very good in the majors, >> but he'll get money. So they're just penalizing. All this is for one year and

then the next year he could win in the FedEx. >> Yes. >> So this is just a pen. All these are penalties >> for the 2026 season. But I think the big thing, I'm going to tell you this to people personally. Sometimes when people

leave companies, right? Yeah. I'm going to hop a job because somebody pays me a little bit more money. It seems good on the surface, right? I got a $100,000 job. Somebody's offering me 120. No brainer. Take the 120. However, sometimes you have a 401k plan.

>> Yeah. >> And the company's giving you matching money, but you're not vested yet. So if you leave, Steve, you don't get that money. Or you may have a pension, but if you're not there for 5 years or 10 years, you don't get the pension. And people don't think that out. Well,

Brooks didn't think this out because back on the PGA, the biggest chunk of the penalty PGA says you have to forfeit access to the PGA tour players equity program for 5 years. Meaning like their pension plan, if you will, or the shared money with the PGA Tour. That's big.

>> That is huge. I didn't realize they set something like that up. I thought, you know, you just got paid when you won, but that makes sense to keep people in the PGA.

>> So, I had to think about it and this is like one of those things where it seems good. I join live, they pay me 80 million, etc., etc. I get to play three rounds, not four. I'm in shorts. It's all good. Music is in the background.

But this guy literally could lose $90 million. But it also tell you sometimes you got to when it comes to business, you got to tuck your head between you know what, your legs. And you got to say, listen, this is going to be a better move over the long term. So sometimes short-term pain moneywise is

better for long-term gain. And that's what Brooks Keepa Kepka is basically saying here. If I rejoin the tour, my endorsements, sponsorships, the long-term money, it's worth it relative to where I see my future at live.

>> It's almost like he missed out on the professionalism of the PGA and the history and and everything. Those guys did get paid to leave and it made sense at the time, but you're right, it's a looser thing and I think probably most guys wish they stayed on the PGA.

>> All right, I got number two story for you and I think you're going to like this one in general. I'm not saying this is happening to you. By the way, >> me, >> you personally, but I'm just saying a lot of people have asked me over time, how do I know if my partner or my spouse

is financially cheating on me? >> Okay, I'm your partner. I'm not cheating. I'm not. I'm just letting you know. >> You wouldn't do that, right?

>> No, never, dude. I'm an Eagle Scout. Don't let the long hair fool you. I'm a good person. I'm an Eagle Scout. >> So, how do you know? What would you say? What would you think to your mind might be one of the things to look out for as a major red flag that your spouse or partner is financially cheating on you?

>> God, I would probably say she doesn't talk about money anymore, what we're doing with money, because that means we look at the books. So, she probably doesn't want me to look. So, I would say money conversations go away and I would probably say um maybe the money's not coming in. Like you might notice that

she missed a deposit cuz her money could be going somewhere else, >> right? Well, usually in a household, if you think about it, one person might play CEO and one person might play CFO.

So, usually one spouse knows a lot more about the money than somebody else in the household. So, yeah, >> I you got to look for things. Number one, I'm going to tell you the number one thing to look out for is cash. Cuz to a degree anymore, what do you really need cash for?

>> You don't. Unless you're going to certain dance clubs. >> Okay, that's true. Maybe somebody is watching this show that, you know, goes to those things, I guess. Are you sure?

I haven't been to one in probably 25 years. They don't do tap and pay. >> No, they don't do tap and pay. >> There's no tap and pay for the lap dance.

>> No, no, at all. Those girls want cash. >> Okay. All right. In another place where I use cash, correct me if I'm wrong, if the place looks sketchy and I have cash, like certain gas stations I might stop on, stop in while I'm traveling, I pay cash because I just don't trust the credit card.

>> But in general, people debit card, credit card, Venmo, Zel, Tap and Pay. Yeah, >> there's not really reason. So, if you've got somebody that's making lots and lots and lots of cash withdrawals, it doesn't necessarily mean they're going to leave you, Steve, but it might means they've

got a gambling problem or they owe somebody money. These are red flags saying there's something going on here that just is not right. >> Right. I gotcha. Oh, man. That's not good.

>> Now, you were right about the not discussing. That's one of the other top three that people don't want to discuss, money, right? The two biggest things that make people break up, sex and money.

>> Sex and money. I'm not going to allow you to talk about sex on this show, but money is a big reason, but that they come hand and glove sometimes. >> I love my country and I love money.

Okay. Sex is third, fourth, or fifth. Those things make me happy. Uh, but no, I get exactly what you're saying. It sounds like I'm a cheater cuz I run everything in our house. My wife has no clue, but my father-in-law asked.

>> He probably knows more than both of you, right? >> He does. He does. So, I don't think anybody's cheating, but those are great red flags. The only thing I tell people is if you see somebody opening up all their own credit cards and stuff like that, you see that come in the mail or

just things that you aren't aware of bills wise, those might things to be put up on your radar. Uh, last thing I wanted to tell people, Steve, because I think this is interesting. This is about capitalism. We saw major major snow and sle hit the country over the last week and a lot of people get damaged, busted

pipes, you know, things like that. The number one thing you don't want to do is call your insurance company. >> I thought that's the first thing you do. >> That's the first thing people tell you to do who don't love their money. But if you love your money, what you want to do, this is my my two cents. You can

argue with me here on YouTube if you want to, is you want to call an independent public insurance adjuster. Somebody who can get in between you, okay, and negotiate with your insurance company. Now, you're probably going to have to pay them 10% of what they ever they settle for. But the reality is you

know nothing about negotiating with your insurance company. Nothing. >> All you know is to call your insurance company. What do they do, Steve? They send out an adjuster who works for who?

>> The insurance company. >> So, what are they going to do? Tell you that, oh, by the way, Steve, if you read page 32 of your insurance policy, you could get this as well. Did you know that?

>> No, I didn't. That's great. No, they're going to hide it. they're probably going to charge you more and you're going to end up paying your deductible. And if it's a lot of money, doesn't that cause problems with the insurance company?

Don't you get like two or three big settlements? >> Yeah. >> With a lot of these companies, >> your rates go up or or everybody's rates go up. But for business owners, more importantly, because we're only talking about homeowners, the number one thing

that business owners don't ask about when they have these things happen, like a flood in their building, is something called business interruption. Part of most business policies, you can get paid for the time that your business is interrupted.

>> How many out of a hundred adjusters will tell you that from the insurance company? Zero. Zero. So, >> that's some news that you can use, Steve, I think. And pretty good stuff on >> I'm not calling my insurance guy, that's for sure. And we all dripped our faucets and prayed here in Georgia and we just

got a taste. I'm not a gambler, by the way, but I was in Las Vegas. And I did take a hundred bucks on Brooks Kepka to win the US Open this year. Say, you heard it here. If he wins the US Open, I'm going to get paid some money.

>> Why not? I bet a hundred that the Falcons would win the Super Bowl. >> Yeah. So, every week, uh, Steve and I love to bring you a topic called They didn't teach you this. Because if you really want to get good at loving your money and loving capitalism, you've got to learn all these tricks that all these

business owners that you see, they say the billionaires out there, they didn't become billionaires because they just had one idea. They're very smart business people that learn all the nuances on basically how to keep more of their money in their wallet. And I chose this topic today, Steve, because the

term that you hear from Las Vegas is Las Vegas is there to separate you from your wallet. >> Yes. >> I'm here to tell everybody that last year I did a study and the average American went to the grocery store 14 times a month last year.

>> That sounds way high to me, but >> No, it's not it's not way high. >> Wow. Because I I guess there's the My wife will go big once a week and then you're right, she goes back for little things before. Oh, you never stop in there at the hot bar or you're gonna go in there, you're gonna get a sandwich or

you say I'm just gonna stop in to get a drink. >> I'm good for three or four times myself. >> Okay, so you get to 14 pretty quickly and here's the problem. Grocery stores are designed to do exactly what Las Vegas does to separate you from your wallet. No, dude. They do all kinds of

great sales. I walk in, it's like buy two, get a third free on Coke Zeros. I I do that almost every time on the minis. Well, BOGO, as you're saying it, they call it, this is like the uh frugal people's language. BOGO.

>> All right. >> Buy one get one free. >> Yeah. >> I'm not saying it's a scam, but here's the simplicity of this. You don't need the one for free if you didn't actually have to buy one to begin with.

>> That's the problem. People are like, "What? Steve, I bought one. I got one free." But did you need the one to begin with? No. So now you have two things you're not going to use at home. I bought ice cream the other day because Briars of all people and that's a pretty uppidity ice cream. It's got those

little vanilla flakes. I feel pretty rich when I, you know, it's not like the blue belly or whatever. There's all these other Mayfield. Briars is high-end. So like little specks of vanilla. I'm see little specks of vanilla. Might want some Briers. So it had that two for one. But I wasn't

planning on getting ice cream. You're exactly right. I bought it because I got a B I got one and then got one free. This is the whole notion of people that see the 10 for 10 bins.

>> Yeah. >> And they're like, "What a great deal. I can get 10 little apple juices." >> Well, you hadn't drank an apple juice in about eight years.

>> What are you going to stick a little sippy straw in there and have 10 sippy apple juices? >> If you squeeze it, it shoots. No. >> Here's the trick. Okay. The trick that these companies know, Steve, and I'm really going to teach people the three most powerful words in in marketing in

general are the following. Number one, free. Free. Free. It's like it sets off one of those little bells in your head. >> Ding, ding. >> Two, zero% financing.

>> That's right. That's a great example of this, right? And then the last one, and the worst one that you never want to hear your wife or husband, whoever say it.

>> Divorce >> is the magic. That's not a good one. That'll cost you half. This one might cost you more. Is the word sale. Oh, yeah. How about those people at home, Steve, where they say, "You know what? I got such a deal today because this thing was 30% on sale.

>> My wife sells that to me every time I see everything coming in, you know, being delivered by Amazon. She's like, "Well, I got this, but it was on sale." And it's always sell.

>> So, this is the trickery that companies use out there because they know, Steve, and this is where you can't get tricked with your money. Never never buy when you feel scarcity. You know, many years ago, Steve, where where people did really got hammered with this, okay?

Okay. And it became an addiction for people is when QVC and the Home Shopping Network came out. >> Yeah. >> And they realized that they could make people buy more. Number one, if they put a shot clock in the corner, this thing's only on here another 4 minutes and 38

seconds. 2 minutes and 38 seconds. And then they really got smart by putting something saying, "How many of these are left?" >> Oh, yeah. Only 29 amethyst rings that are left. 28 27 26.

>> No. You're sitting by the phone like if I don't get that thing right now I'm going to lose out. It's never going to be there again. Okay. This is also Steve by the way why people eat so much at the airport. People eat so much at the airport. You could have eaten a full damn breakfast at home,

>> right? >> And then you go to the airport and you're immediately hungry cuz you're thinking, "I'm never gonna have a meal again. I better eat something before I get on this plane because who knows the next time I'm gonna eat." >> Yeah,

>> man. You're flying from Atlanta to DC. It's going to be like an hour and 30, but I never I don't know if I'm going to eat at 2 or go or whatever it is. That's why you see people chowing at the airport. You're like, "How come a man have Popeyes at 6:30 in the morning before he gets on the plane?" How? Cuz

people have that scarcity mentality. So, whenever you see the words free, zero, or sale, pause, pause. Because there's you got to tell yourself, "Wait a minute. What's the catch?" because there's always a catch.

>> Dude, that is the greatest advice ever because I'm a sucker for all three of those. >> Okay, now I'm going to dig into this on two things because I'm going to put we're going to put this up on the show screen because I think you're going to like this. Uh you and I are in Atlanta,

so the main airline is Delta. >> Delta. >> And not only is the trickery done with these words, but companies use colors and they use small little verbiage on their websites that get you to buy. M >> now when when you go to Delta and I love Ed Bastion. I think Delta is a great

company. I really do. >> You fly primarily Delta. >> Yeah, I fly Delta all the time. I love it. Great airline. Um so it has nothing to do with that. But they're smart at marketing.

>> So what they do when you buy a ticket and they know whether you go main cabin or you go comfort, what they'll do is that they'll put something in the right hand side of the box that says only three left at this price.

>> I've seen it. They know what you're talking about. >> They didn't say there's only three left, Steve. What did they say? >> Three left at this price.

>> Three left at this price. And what didn't they tell you? >> That there's other prices, maybe lower prices somewhere else. >> Well, could be lower price on the same ticket. They just said there's three left at this price. All it made you think is

>> No, you could ask. >> All it may That's right. Cuz what does it make your brain do? It makes your brain say, "Well, wait. If I don't get it at this price, the price is going to go up." >> Well, you're automatically thinking it's higher anywhere else. You better grab

one of these seats. >> Three left at this price. Didn't say that. Just said that there's three left. >> Wow. >> Don't say whether it's up or down.

>> Damn. So, my my point to you is there's plenty of seats that are left. The way that you can check this out is is don't click that you're going to buy the ticket and hit seat selector >> and before you actually buy the ticket, you'll see how many seats that are left.

>> Oh. >> Cuz the whole damn plane may be full. >> It might be empty. >> What a scam. It's not a scam. It's marketing. And we're teaching you this cuz if you're building your business, consulting firm, or you got a restaurant or another company, these are the kinds

of things that the big companies can teach you. Now, one of the greatest ripoffs of all time is AG1. >> Uh, did I say that? >> You did. You said it out loud. You said it on camera.

>> I'm sure some people, Steve, are going to say AG1 just completely regenerates everything in your body, >> right? >> I'm I'm going to say it's not because I took AG1 for about six months.

>> How'd you do? >> I did great. I dumped $100 a month for some powder that I put in some water. Didn't change didn't change me one iota. >> Didn't get rid of any old uh sunspots.

It didn't didn't make the aches and pains go away. But but what truly what Amazon who sells AG1 and they sell a ton of stuff. What they're brilliant at is they have a little button in there called buy now.

>> Yeah. >> Buy now. They have a second button that says add to cart. >> Yes. >> You know what button they don't have?

They don't have a button that says don't do this today. They don't have a button that says that. And what do they have? They have the most powerful thing that they store your credit card.

>> Oh yeah. They always ask do you want us to keep it or store like a button that >> don't you? >> Well, for convenience if I think I'm coming back, but sometimes I'm like no, I'll just go through this hell again.

You're not keeping. >> Hardly anybody does. Most people store their credit cards and that's like having a stick of dynamite that's ready to go >> cuz it's too easy the next time.

>> Well, all you have to do is what? One click. buy now and it's over. >> So, there are a lot of people at home that go, I can't believe every day my wife thinks it's her birthday. There's an Amazon package that's out on the doorstep every single day.

>> Yes. >> Because you're not smarter than Amazon. They run the algorithm to know all the things that you're going to buy again or the things that you might buy. They know you better than your mom and dad, probably better than your wife or your husband, because they know what it is

that you're going to buy, your patterns, when you do it, how you do it, and they get those buttons. And not only are the buttons there, but they're in a particular color, generally orange or yellow, because that what makes your brain say, "This is going to be good to do this." It's a calming effect. It's a

calming effect. >> I think those are holy colors. Everything angels are always have gold halos. >> That's right.

>> I mean, gold and orange does make me go. So, it does make you think when you're building out the website of your own firm, what a lot of business owners don't think about is, have I used the right buttons? Do I have the right words? Have I positioned things in such a way to get people to take action to

buy more of my product? Because you know who's the best at it? Amazon. >> Look what Amazon does. >> I mean, listen, you don't you can be an imitator and be 10% different and make millions of dollars out there. Yeah. But I'm trying to teach you want to keep more of your money. Don't store your

credit card in there or anything over I'd say 250 bucks or so. Put it in the cart 24 hours and then come back a day later if you really want to buy it. >> That is so smart because yeah, a lot of times you just saw it and you you're like after you bought it, you're like, I shouldn't have done that. Same thing

with text messages. A lot of times if you're upset with somebody, they say sit on it for 24 hours. The brain does something really crazy over that time period and usually you're not going to buy it or send it.

>> Yeah. So, I just think it's I think the these are the things that they don't teach you this. They don't teach you these things when you're in high school, college, and what happens to people at home is they're often just thinking, "God, we spend so much damn money. What What are we doing?" And this is why

>> American Express, they've got all my American Express is everywhere. You know what? Are people against American Express because of the fees? Because now more than ever, I see people wanting a Mastercard.

>> Yeah. They're against them because they're the most expensive credit card processor that's out there. Yeah, >> you know, but it's status. >> Yeah, it is. I do like it.

>> All right. Well, that was your this week's episode of They Didn't Teach You This Uh every week right here on Red, White, and Green, and we talk every week with some of the best entrepreneurs in the country. This week, we're going to be interviewing Scott Marshall, who is the president and CEO of TAC USA. How

are you doing, Scott Marshall? >> Well, I'm doing good there, Steve. How you doing? >> I'm doing good. Welcome to the Red, White, and Green Show. And you're here for one reason.

>> Yeah, because the money you're money, man. You got a lot of money. No. Uh, we want to talk to you about and our listeners can learn from you. It's all about making money and doing what you want to do. And you're self-made somewhat. I don't know. Did you grow up wealthy?

>> No. >> Okay. >> Definitely not. >> Is it is that is it a sad story? >> Not.

>> Way poor above ground pool. Uh, not a grand >> split level. >> Uh, not even a split level. >> Southern cow, upper middle class, successful dad.

>> Successful dad. >> Best thing was damn good work ethic. >> All right. So, the work ethic. So, so that brings me to the next question for you, Scott Marshall. How did you become rich?

>> Well, I'm not rich yet, but I'm working out. >> Okay. Define what's not rich. No, when I say rich, what is rich to you? That's a great question. uh over 10 million, 20 million, 30 million, or over half a million, and you're just going to make sure you just take care of yourself and

and live low. >> It's more about just comfort and not having to worry about it. And I guess I guess technically if that's the case, I'm at that stage now.

>> Okay. >> So, >> you're comfortable, >> but I'm still young and I'm probably going to continue to do it until I'm, you know, six feet under.

>> All right. >> So, because I enjoy it. >> So, you like working. There is no retirement in your vocabular. Not in my book.

>> I I get that. Is your wife and family okay with that? >> Oh, yeah. My I think my wife prefers it. >> That sure worked it one one thing with a lot of us because I think a lot of people are watching right now and either you've worked in the corporate sector or maybe you you know you haven't. Maybe

you've just had kind of a day job and you're like, man, I've got an idea. I want to pursue my idea. I think this would work. Might have to get some funding. May just start low, work my way up. So for you, you've owned several businesses. How did you go about it? How did you start that first business? How

can people do something like that? >> I just think it had to deal with understanding that there's a need in whatever the industry is and when you can find a solution to that need, then roll up your sleeves and take the risk.

>> So, you took the risk. What was the name of your first company? First company was called Choice Capital Funding and it was a wholesale mortgage banking company and grew it to where we had at one point about 75 80 employees and doing really well right here in in Georgia and then of course the financial markets imploded

in 2007 2008 and so time to reinvent myself and I went in a completely different >> All right. So you went into a completely different direction that had to be upsetting and scary. you had 80 employees maybe counting on you and everybody just kind of went their own

way and that happens. Um so for you which direction did you go and what made you go that direction and were there doubters in what you were doing? >> There were doubters but fortunately uh my wife has always been a tremendous reporter any of my endeavors. So >> and she talked to my wife.

>> Well I mean and Ted Gen for you too. I would say your wife's a supporter of everything. You started out, if I'm not going too deep, was American Express out of college your first gig?

>> She was an encourager. Uh cuz I was when I'm at home, she just wants me out. So, it's better for me to be out than in. So, encourage me. Get out. Do something. >> House, do something.

>> Get out of the house. >> I think it's important for people that hear this interview that you've sold two successful companies, right? But but this whole thing in here that people don't see about capitalism and being an entrepreneur is the adversity. So when that great recession hit and you had a

multi multi-million dollar company, you guys were rolling it in and then all of a sudden the mortgage business went upside down like how did you how did you go home and just recover from like we built this thing and it just got pulled out from under our feet? uh take a lot of deep breaths because

>> was drinking involved, Scott? >> Maybe a little. Yeah, maybe a little. Yeah, and maybe a little more than usual. Uh but it's, you know, you just have to not look in the past and just look forward.

>> But that's tough for a lot of people. It's easy to get upset and and want to stay in the same field. But you knew writing was on the table for a few years. Mortgages just weren't happening.

>> But all the people were in that position, too. the regular checks not coming in and that's when you went all right maybe there's something Was there always something else you wanted to do or were you forced to it would you have stayed in that business had had it not happened

>> no after I what we all went through I said I'm I'm done with this industry >> okay >> I'm going to reinvent myself do and I literally told my wife and said I don't know what I'm going to do but I'm going to do something >> so what was your advice to keep

motivated to to just like you said was it a belief in yourself did you get around people? Did you talk to people? I mean, what did you do? Did you watch Bon Joy videos? I mean, what got you motivated?

>> Uh, paying a mortgage. Uh, that was my motivation. So, because when that company, you know, fortunately had to close, I mean, it just, you know, wiped us out.

>> So, we were literally starting at ground zero. >> Ah, man. >> And it was like, you know, here we go. against I'm sure Ted's uh sound advice back you know we we borrowed from 401k which Ted would be the first to say my god don't do that but sometimes

you have to do it >> and that gave you a cushion to breathe to start your next >> yeah I mean that's what we you know that's what we used I mean we went down to bare bones and and sold off assets so all the the boots and the sports cars and everything got

>> Can I hold your hand that had to have been tough >> that was really tough yes >> that that was Ted's talking about two businesses. So, you've sold off. You borrow out of your 401k. But in a sense, and I've had this conversation with my father-in-law, that's why it's there if

there's a need. Sometimes you got to take it. Sorry, I'm not talking to you right now. Sometimes you have to take that money. >> It's a last resort.

>> It is a last resort. So, you did it and then you started a second business that you sold as well. What was that business? So that was called FiveStar and we did records management. I had a about a 40,000 square foot warehouse uh that grew it where got about 125 150,000 boxes and storage.

>> Uh and then I had a bunch of uh shred trucks on the road going around to businesses uh including Teds. >> Yeah. >> That's where >> So that's how you guys met. My first when I opened up my first company, I realized I needed a copier and I needed

somebody to shred stuff. And then I was like, I don't know who shred stuff. And so I called and Scott's company installed my first shredder back in 2007. This might have been almost 20 years ago.

>> Wow. Before that, did you get like just a small one? You're like, I can't keep feeding this. So you got a high-end shredder to realize >> I got a box.

>> I just dropped paper in a bin and they just basically rolled it away and they they shredded it. But he actually helped us bring in clients because he said, "You know, you can throw a shredding party." >> And I didn't even know what that was.

Never even heard of that. >> But people had old CDs and things like that and they'd wheel up the trucks and people would bring their stuff and they would they would shred it all up. And we picked up clients from shredding parties.

>> Dude, I would love to I can host a shredding party. Well, you're out of that business now, aren't you? >> But I have friends and family that are still in it.

>> Yeah. You let them know. >> Absolutely. >> I will do a shredding party in a heartbeat. Consider trucking your neighborhood if you want to throw a shredding party. I got to do it.

>> Tons of people have stuff to hide and and dispose of or I know that's right. >> It's t it's tax information, right? After seven years, it's all tax information.

>> Yeah, I got you. The last thing I would want to ask you and I love the relationship with you and Ted and I got to meet you a couple of weeks ago. I think when you were selling your second or third business. I don't know what what what do you do now?

>> Well, so yeah. So I sold Fivear. >> Is this too soon? >> No, no, not at all. And then uh and then I >> you're opening up on Wendy's.

>> I started a company called Truck Service Depot, which is a commercial fleet and maintenance company. >> Wow. >> Uh and I started that uh eight years ago and uh actually u just sold it a couple weeks ago to Ryder.

>> Sold it to Ryder. >> Yeah. >> He basically built he basically built you think about these ideas. What I love about Scott as like a capitalist and an entrepreneur is I think he's in a business and then he spots an idea for another business out of that business

and he had trucks in fivestar shredding and a lot of these trucks when they're down when they're down your business is down. So he almost built like a jiffy lube for trucks and that really if you think about it was this gigantic building and these these 18 wheelers would haul in and and

uh you know they get them all lubed up. >> Wow. ready to go and and bunch of other things came out of it, including the new business he's running today. But it was really a genius idea on Falton Industrial here in Atlanta, and they they killed it.

>> That's an industrial area of our city. That is so wise, man. You saw a need and you fulfilled it, which is kind of what you said at the beginning of the interview. So, lastly, for anybody out there, what is the best time for anybody to start a business? Is there a best time? Is it the economy? is or do you

just if you got the idea just go? Advice to anybody watching that's even thinking about leaving the security of a of a paycheck and and 401ks and you know HSAs.

>> I think it just depends on finding the need, right? >> You feel like you have a solution that is would be a benefit for the folks that have that need.

>> Do it. >> Do it. You just heard it. Do it. Just do it. It's in the green room with Scott Marshall, CEO of TAC USA. It's been a pleasure. And you can't tell. Maybe you'll see in the pictures later. Scott makes my 6'4 look tiny. And he's his hand swallowed my hand. This is a big

man that did big business. And you can do it, too. >> And that was the uh green room with uh Scott Marshall and of course the expert interview done every week by who you know now as Southside Steven Rickning. I mean, I know the reason the name came about.

>> Yeah. And and by the way, I've lived in Atlanta and North Side now longer than I was on the south side. I just want to make that clear. >> Well, Steve, every week, uh, what we try to do in here is we try to bring you money hacks. And I noticed that there's many people that still have a really bad

Starbucks problem. It used to be the cool thing, the hangout thing, but I felt like you had to have a laptop. You shouldn't sit there if you didn't have a laptop and look like you were working.

>> Like you're working. >> Yeah. And I'm like, where do these people go from? Are they just giving out free internet? But it's so pricey. So pricey. And there's so much. And you got to speak a certain language when you go in.

>> They have a new CEO. They're going through a major major overhaul now. >> Okay. >> Starbucks has been a flatline stock for many years. It actually hasn't done that well.

>> Can they go with large instead of grande or whatever these little trick things are? Cuz I always get the wrong size. Why not go with large grande and venti? >> Yeah.

>> I think venti is the only one that's actually Italian, right? The other ones are not. But, uh, I don't even know. It's a It It just cost people a lot of money and people have always wondered, "I heard you could do this at Starbucks." So, we thought that we would kind of help people use some of the

money hacks at Starbucks. And I kind of teased this up at the beginning, Steve. And you had a story about the whole papuccino. The papuccino. >> The papuccino. This is the craziest thing. I just saw it literally yesterday. Social media. They talk about the dogs being into it and all they do

is go through the drive-thru and they go papuccino. and then the dog loses its mind or it's hanging outside and the server goes, "What's your dog's name?" And they write the dog's name on the cup and then they hand it to the dog and either the dog just grabs it or they hold it and let him lick and everybody's

doing social media on it. So, it's become a thing. >> Well, what it is a 3 oz cup of free whipped cream and Starbucks right now hate this. They hate that there's a hack, but the hack has not gone away.

And you'd assume you have to have a dog in your car. Yes. I've seen a lot of people do this hack with their kids who can probably feel like a dog sometimes uh just in terms of you know stuff you got to do for them but but get you know your kid as opposed to getting them a cake pop ask for the papuccino when you

order your your latte and you know let the kid cram their face in a 3 oz cup of whipped cream. >> Can you ask for a spoon or then do they know you're giving it to your kid?

Nobody's going to spoon feed it to your dog. >> Yeah, you can ask for a little spoon. What if I tell him I got a Yorkie at home? He likes the spoon.

>> And then you give it to your kid in the back seat for free. >> And I didn't buy a cake pop. I like it. I got two dogs in the back. I need two chinos.

>> Where are they sleeping? >> So Steve, here's some of the ones that I have gone through and and done myself. A lot of people when they get regular black coffee do not know that you can get free refills.

>> I didn't know that. >> And yeah, there's a there's a methodology this. So, if you use your app and you're going to uh uh order a black coffee and you order with your app and you go through the drive-thru and you come back in and you bring the cup back in, you can get a free refill

provided that you had ordered the original one through the app and not through the store. Oh, okay. So, you got to do it through the app. So, this is the smart play trying to help you save money. You're going to go to the drive-thru, order your coffee, park your car, get your laptop out, then go sit in

Starbucks, and then when you're done with it, you had ordered it through the app, you're going to get your free refill, okay, of the coffee now that you're in the store.

>> Dude, that's crazy. But that's how you circumvent the system. Now, that's black coffee. But what about everybody that wants like a pink drink? You know, like you got these girls that want those or maybe even some kids and there's all these uppidity things and it just gets piled on and next thing you know you're

paying seven eight dollars. >> Yeah. Just just buy some pink dye at the grocery store and put it in your drink and then you'll have a pink drink, you know.

>> I don't even know what that is though. >> I don't either. I've never had one. It's >> unreal. Your birthday? >> Yes. >> If you sign up for the Starbucks app, you get a free drink on your birthday every year.

>> Is the app free? >> Yeah. In addition to that, one of the things I'm gonna put together that I'll put up on the red, white, and green website for you all is I figured out 43 freebies you can get on your birthday.

>> That's awesome. >> Look, you don't want to go out with your family anyway. No. So, you get a whole bunch of freebies. It goes everywhere from Annie Anne's pretzels, which are great.

>> I love those. >> To free Starbucks to getting pancakes at IHOP. >> I do. Oh, I knew about the pancakes at IHOP. That's huge. Most people feel like if they go into a restaurant and say, "Hey, it's it's such and such's birthday." They get you get a free

dessert. Usually they do, but sometimes you got to pay. >> I like that trick in general. I I mean, I must have celebrated 72 anniversaries this year because people will say this is a special event. If you say it's your anniversary or your birthday or something special, you got more than a

50% chance to get a dessert for free. >> You're exactly right. You did that for me. Matter of fact, I could even send uh I could show the picture, but I've got an anniversary shot. I just ran across last year because my anniversary was two days ago. Me, you, and your wife and my wife and I got it right. I got a free

anniversary. They even wrote it in syrup. And people will say, you know, well, that's not right. You're not celebrating your anniversary all the time. Every day feels like a special anniversary day to be. Don't tell me.

Don't tell me what's my anniversary and not. >> I love this one. >> Every day feels special to me. That's great. Now, this is capitalism though, Steve. Are you circumventing the system or are you working the system?

>> You're working it. The system is there to be worked and most people don't. >> Yeah. Are you going to make me bring my marriage license to the restaurant? >> Yeah. Do you need to see my birth certificate? Cuz I didn't come with my driver's license.

>> All right. Here's a hack. Now, I think we're going to put this up somewhere, but you did the greatest video on Chick-fil-A to prove you prove that you can save $1 by using our hack for family of five. That would be $5 by ordering the bun, the lettuce, and the two chicken strips.

>> I saved 96 cents by doing it your way. Had I laid off the lettuce, which was 20 cents, I I literally would have saved a dollar, $118, $119, >> right? And there's no pennies anymore.

So, you have to round up. That's a dollar. >> And the thing is, it tastes exactly the same. It's the same amount of chicken. >> So, here's what the the Starbucks hack is. There is something called the shaken espresso.

does sound pretty good. Sounds bondish. Um the shaken espresso and the recipe comes with three shots of espresso. >> Damn, you're going to be up. >> Yeah, you better be wideeyed for the rest of the day.

>> Four pumps of classic syrup. >> Okay. Whatever that is. >> Sugar. >> Okay. >> Basically, three shots of espresso and sugar. You're going to be up for a long time.

>> Um and a splash of 2% milk. >> Well, that's good. >> Okay. That cost $449. $445 is what it costs for that. >> Okay. If you try to order the espressos, three espressos separately, it would cost you more.

>> And there are things in there like the cinnamon dolce latte. >> Oh, that's a good one. But that one's a little pricey. I've had that. >> Two shots of espresso.

>> Okay. >> Four pumps of the syrup and 2% milk. >> But that's not classic syrup. That's that cinnamon syrup that tastes good. >> Cinnamon syrup. Yeah, >> it's the same as classic syrup.

>> Okay. >> $5.75 for that. So it's about a $130 more. How could that that cinnamon for one less shot of espresso?

>> Okay. >> My whole point of it is if you're going to go in and do a dopeyo espresso, as I call it, not a not a dope espresso, but a dopio espresso.

>> Yeah. >> You're going to you're going to get close to that 445 anyway. >> And I would go for the shaken espresso. Be three shots of espresso, four pumps of the syrup, >> which is the same, >> and you're going to probably save around

$2. I'm going to have you go in, >> get three espresso shots, and then ask for a side cup of syrup. >> That's going to be embarrassing. >> It is.

>> Then ask for the shake the shaken espresso. >> And everyone's got a tumbler today. Don't tell me you don't have a tumbler. People walk around with them on their knapsack. They got it. You know, everyone can bring you my own tumbler.

>> Oh, yeah. I'll make you a red. You can shake it. Shake. >> Yeah. Something like >> shake. Shake. >> If you do that in front of them, I'm not going to say whether they'll keep you in the store or not. He asked me to leave.

>> You asked, "Do I shake like this or do I shake like that?" >> Yeah. >> Sir, did you bring your laptop? Cuz we'd like you to leave.

>> That's right. That's right. Some people >> No internet for you. You No internet. >> A double shake. A double shake. >> Yeah. Double shake. What's What's going on?

>> I know Steve's going to make a joke this when I say it. But when you ask for a tea bag? >> Yes. You would like me to teabag you? No problem. Is he okay with it? You could ask him for a second tea bag to go >> for free. You're talking about having tea at Starbucks.

>> Yeah. You have tea at Starbucks and you know >> they use two tea bags for that. >> Well, no. They'll put the tea bags in your regular.

>> And then you ask for the second tea bag to go. >> Oh. Which is the way you like it. So >> I know. I know. I really enjoyed those. Could I have another?

>> Okay. No. No. Seriously. So they're going to give me a tea bag to go that I can have tea again later. >> Yes. Yeah. That's right. I didn't know you could do that either.

>> Last comment on this is that most people use their stars, the rewards that you get on there to buy to buy drinks, and they don't realize that you can buy merchandise as well.

>> I think he's like 400 of those things. >> 400 stars. You get a really nice Starbucks tumbler, >> and it's a little bit cheaper than you buying the tumbler itself.

>> Aren't most of those things are like 20 bucks? Yeah. So, >> Yep. And some now that Stanley's made a deal cuz Stanley got popular again, you know, all their their uh tumblers. They have a Stanley tumbler and that may be a cheaper way for you to get a Stan Stanley tumbler by using your stars.

>> I like it. So, what do you think about that? That's the money hack. >> I like the money hack, but I don't like the fact that I've got to go in there and shake and bring in my own Tumblr and uh and get kicked out.

>> I'm I'm looking forward to seeing that. I'm looking forward to seeing that, folks. And that's your money hacks to get the green. Last up on Red, White, and Scene. What are we going to be talking about looking out for this week, Steve? It's a huge week for earnings out there. Uh, a lot of people in one way,

shape, or form in their portfolios. They own the magnificent seven is things like Nvidia, Amazon, Meta, Apple, almost everybody's got one of those stocks in their or multiple ones >> or Tesla for sure >> and Tesla. And it's a big big week to see how Tesla, Meta, Nvidia, Apple do,

and everything that went on in Venezuela. I think I would keep an eye on the earnings that come out for the big oil companies of Exxon and uh and Chevron. Chevron.

>> The other thing is that this is the worst weekly performance in months for the US dollar. Well, >> that's not good. >> About a year ago, the dollar to the euro was about a$18. Now it's up to 118 a year later, which means that our dollar is slipping up against the euro.

Something to keep in mind in your portfolio as you look at this and you think about, do I stay in the US markets? Do I move money in international in your 401ks? That's something that you may want to be taking a look at.

>> Okay. >> And then next week, people are going to love this. I will show you next week the number one hack at Walmart that you have never seen on the internet.

>> I think most people get something from Walmart. >> Yeah. I don't shop at Walmart, but but I went there to do this and I figured out the hacks. I did not enjoy going there.

>> You didn't? >> No. You don't like fly tail the people and walking all by you and pushing you. >> It was beneath me. >> And the customer service that's so excellent.

>> It was Walmart was beneath me. There are Walmart shoppers and there are tar shoppers. >> I'm a tar. We're tar. >> I have them forced down to Walmart, but I don't I won't go to Walmart.

>> No, I'll go out and hunt and kill my food before I'll do that. >> Outside of Walmart. >> Outside. I killed a deer behind your Walmart, but I'm not getting your meat.

>> All right, folks. you uh every week you can catch all the replays of the shows at redwhite andgreen.com. Uh we have a great AI agent out there right now for those of you that want to learn more about your finances and you don't want to pay a nickel to do this.

We've developed Yes, we have developed this one of the greatest AI programs for your personal finances at thebukguru.com. Thebuckguru.com. I would check it out.

uh even upload one of your tax returns and see how well it analyzes your tax return. You can catch all these podcasts that we have if you're in your car. You can get them on Apple Podcast, Spotify, or any of the major channels. And of course, check out Steve and I on the YouTube channel at Red, White, and

Green. Uh, not only will you see the show, some of the shorts that we cut out from the show, longer interviews with guys like Ed Bolian that Steve did last week from Vin Wiki, who was unbelievable, and see Steve's Chick-fil-A hack. You got to see that.

It was pretty unbelievable. Thanks so much for watching the show. If you love this, click subscribe, share it with your friends, and thanks for tuning in to Red, White, and Green. Financial advice for people who love America.

Yeah, come on.