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Outrunning Failures
Outrunning Failures: Your guide through the highs and lows of commercial real estate investing.
Join us as we delve into real stories of setbacks turned stepping stones, sharing invaluable lessons and strategies to navigate the market's unpredictability and turn failures into the foundation of your success.
Outrunning Failures
Credit, Real Estate, and Prosperity with David Selvin
Today's guest is David Selvin.
David is a testament to the American dream, rising from difficult beginnings as a “Street CEO” to a legitimate business mogul.
His turning point came in 2016 when he confronted the realities of bad credit and the dubious origins of his income.
Determined to change his trajectory for his family, David began repairing his credit and exploring legitimate business opportunities.
He used a secret strategy involving Business Credit Cards to invest in his first real estate property.
Today, David boasts a seven-figure real estate portfolio and multiple thriving enterprises.
Through Selvin Financial, he has aided thousands in repairing their credit and securing business funding, significantly impacting lives.
His signature Cash Free Real Estate coaching program guides entrepreneurs through savvy real estate investments, teaching them how to build wealth responsibly and effectively.
**Free business compliance scan to help client become bankable: member.selvinfinancial.com
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Instagram handle: @Mr_Prosperity_
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Creator/Main Host: Vish Muni
Show Advisor/Editing: DBT Marketing
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Well, today we have a special guest, David. David Selwyn. David Selwyn is a successful serial entrepreneur. He's also known as mister prosperity. He's had multiple businesses under his belt and, also helped a lot of entrepreneurs to get out of, the challenges, and it made them successful in terms of not only the real estate part, the mindset, and what, he can do in terms of investing. With that, let me not speak everything about David. I'll allow David to talk about himself. David, welcome to outrunning failures. Can you please tell the audience about yourself?
>> David Selvin:Thank you, Vish, and it's a great opportunity and an honor to be here on your podcast, so I really appreciate it. I'm, David, mister Prosperity Selvin. I've been investing since 2016 in real estate, and, this is what I do. I'm a full time real estate investor, and I also own a credit restoration company and I help entrepreneurs, just like everybody watching this show obtain over six figures in, business funding and business credit lines.
>> Vish Muni:Well, thank you, David. That is interesting. I only heard about, all the lenders talk about how important it is to have a good credit score. And little did I realize there is a lot which goes on behind getting your credit score right. And with that, I'm going to just hold on there. I'm going to come back to you. I, try to get more details on it, okay. Because most of our audience are extremely eager to know more about the credit score and why it is so important. So before we dive into that, could you tell us what got you into real estate? How long have you been a real estate investor?
>> David Selvin:Yeah, so, like I said, I started in 2016. I bought my first property in 2016, and I got into real estate out a, desperation of a different life. back in those days, I was living a different kind of lifestyle that was, a lot of people would say is not a good way to live. I was making a lot of money. I was making millions of dollars just doing the wrong thing, living on the other side of the law. And I met a group of people who are real estate investors who were living just like me at the time. My son was extremely young. I was watching him and I said, if what I do is not okay for my son, then it's not okay for me. Would I be happy if my son was doing for work what I was doing, which was hustling in the streets? And I said, no, but I was high on a food chain back then. So I said, well, you know, I gotta find a different way to sustain the lifestyle that I have, because I live the great lifestyle and at the same time, be able to sustain that lifestyle by doing it in a legitimate way. And I don't know. Real estate just always stuck with me. And I actually seen a we buy houses, cash sign on a poll, and I called that number, and I ended up meeting this guy in the Bay area, and he invited me to a party. And the whole party was just real estate entrepreneurs, real estate, investors. There were realtors there, there were lenders. And I got to just really hang out and meet people. And realizing that we were all the same, I just didn't understand the game, and I really wanted to get into that business because I knew it was very lucrative. So I was motivated by money at first. now it's not about money. It's about changing lives and helping people. At first, it was about changing my life and my family's life. And, this all took place around 2016.
>> Vish Muni:Well, that's interesting, David. So you feel that we need to learn the rules of the game before we get into the game. That is a great start.
>> David Selvin:Yeah, absolutely.
>> Vish Muni:And we need to thank your friend for inviting you to that party. I think. I'm sure that changed your whole life altogether. So, after attending that party, so what did you do? What action did you take?
>> David Selvin:So my first step was, I'm like, okay, I got to figure out, who do I know in my network that's doing these kind of real estate deals? I reached out to somebody, and this podcast is outrunning your failures. Well, my first deal was just that, a failure. I didn't have any education. I never bought a house before. I didn't know even how the process worked. And I, reached out to somebody I knew who started investing in real estate, and he said, hey, if you put up the money, then we can buy this property together, take it down. We could fix it up, resell it, turn a profit. We'll split it 50 50. I'll do all the work. You put up the money, and I'll teach you how to do it while I'm doing it. I said, great. I gave him the money, and he tried to run off with the money. luckily for me, I got my money back, but that was my first experience that I realized I had to get educated, like, really take a deep dive in education. And that's when I started signing up for seminars and things like that. M after that.
>> Vish Muni:That's interesting, David. At least you did not have an easy start. Like you, there are a lot of investors want to be investors, who don't know when to take action and how to take action. And so they are still stuck in that analyzing mode. So with that, so tell us a little more about, which one of your challenging deals which went bad. I wouldn't say it went bad. I would say, what lessons did you learn from that and what may. And has that made you a better investor?
>> David Selvin:Yeah. So I wouldn't say that first deal which went sideways was the worst deal. I've had a few that, luckily only a few. Compared to a lot of other people, I have more, success than failures. But the one that sticks in my head the most was a house that I was flipping. It was in California, and, I took a six figure loss on the house. the first thing that went wrong was it took for. I didn't realize this city, this particular city in California takes a very long time to approve your construction permits. So instead of us being able to get permits over the counter, we couldn't get permits over the counter. And I had to wait about three months to even get my permits to start work. And of course, as investors, we try to do what we can, and we try to start work without getting the permits, and then we end up getting red tagged. And that made it, drawn out even longer. Then I had bad construction crew on the job, and everything just went over budget. And then I, missed, messed up my comps. So when you're flipping houses, it's all about, you take your after repair value and then you work backwards. What are you going to get at the end once the house is all fixed up? What ended up happening is that put a simple. Was the simple fact that this particular house was in a crossroad of a couple of different neighborhoods. So when I was, and I didn't know that. So the number one is you have to be educated of your market and of the area that you're investing in. And so because I didn't know that I was pulling comps from houses that were technically deemed another neighborhood, even though they were just a few blocks away, and buyers in that area know that, and the realtors knew that. So instead of me getting the 1.4 that I thought I was going to get, I was getting way less, for that property. and then the icing on the cake on that property was that I did not take a consideration that this is California where there's earthquakes, that the foundation on this property, we didn't do the foundation because the foundation looked good, except it was a brick foundation that was 100 years old and didn't have any earthquake straps or anchors or anything like that. And we remodeled the whole house without doing the foundation. And it just was a deal killer. The agent, the buyer's agent that came in, ripped me apart, and I just, you know, I was still new to the game and learning this, and, yeah, I lost a lot of money on that deal.
>> Vish Muni:Wow. What a way to learn. What a way to learn so well. So we all make some mistakes. On the other David, I wouldn't call those failures, but I would call them as feedback, because those are the feedback, and these are the things which make us all better investors, right? Because, like, you pulling comps from the different part of town, you thought you are doing the best thing. But, we all make those mistakes. We all make those mistakes, so. And I've made a lot of mistakes. For me, the first duplex I bought in 2009 in, round Rock, Texas, and that duplex, I was. That was my first investment property, and I was on top of the property manager, and the property manager fired me one day, and he just walked away because I didn't realize. And it was like taking care of your first baby. You want to know everything you wanted, 24 by seven. You want to be there. And I didn't realize I'm supposed to leave this property manager alone and let him do his job. Okay? And that was my first, setback. I would call. I wouldn't call it failure. I would say setback. And the tenant starts calling me for, all the problems. That is just one part of the problems I had with that deal. And the next was, we didn't realize we were buying a property with the tenant in Ithoodae, and we didn't do any due diligence on the tenant. So we were happy, at least it was 50% occupied. And in. Within three months, the tenants was delayed, the tenant was delinquent. Okay. And then we had to go to court to evict the tenant. So within six months, we had, we were down by almost, $4,000. And I'm managing the property. And once, the tenant left, they had completely destroyed the inside of the apartment, inside of the property. So everything added up. On my first deal in the first year, I was down by almost$10,000. So what the key is, something in me told me, you know, this is a long game. This is a long. This is a marathon, not a sprint. Just stick with it, okay? Things will get better, right? And then I stuck with it, I had challenges all along the way, but I did not manage the property. I just, after that I found another property manager and I learned one thing. I'm not going to call this property manager unless it is required, so. And that property manager stuck with me for ten years. Okay, so lessons learned. Let people do their job. If you're paying them, let them do their job. Don't get in their way.
>> David Selvin:Right, right. I agree.
>> Vish Muni:Right. So I learned that the hard way. But long story short, that duplex was almost four x m, not in two x, not in three x. So I sold that in 2021. So I held on to that duplex for almost 14 years. But it is all worth it.
>> David Selvin:It was worth it.
>> Vish Muni:Right. So what kind of real, estate, assetment, investments you do, what is your favorite asset class?
>> David Selvin:That's a great question. So I focus on a little bit of both. Actually, when I say both multifamily and single family. In the multifamily aspect though, I don't do huge multifamily syndications or anything like that. I own smaller, smaller buildings that I control myself. And I was thinking about my first little building that I bought and it went, when you was telling me this story, it went the first month with no management. I didn't know what to do. It was 2000, my home and year. I went through probably six different property management companies before I got one dialed in. And then I kept that property for four years, sold it and just recently sold it. And I three x, my return, well, my profit, so that was pretty good. but yeah, so I focus on that. And I also focus on single family, in the single family space. I focus on creative financing, buying deals subject to owner financing, things like that. I focus on fix and flip properties and I focus on wholesaling real estate.
>> Vish Muni:Well that is fantastic. So David, because you're not, so you're a in other words, you're not just an investor, you're a real estate entrepreneur right there because you do sub to and you wholesale and you also hold some properties for user depending on how you buy them. And now do you have a, are you vertically integrated, do you have your own construction crew or management?
>> David Selvin:Yeah. So, depending on what area it's in, depends on which management that I use. I always outsource my management. And then as far as contractors, we work with a team of contractors, whatever city. So we operate in multiple cities. Right now I'm honing all in on Houston, Texas, just because I just moved here. And we have construction crews here that we work with. I don't necessarily manage my own crews in other areas. I do, I do basically act as the GC, and I hire all subcontractors just because it's easier for me and it's also a lot less expensive. But here in Houston, just because I'm new to this market, I'm making sure that I'm hiring gcs and then watching them hire the subs and handle all of that so that way I can learn from them as far as how they do business here.
>> Vish Muni:You know. You know, David, most of us in real estate have had challenges with, with the construction crew. I mean, getting the, getting people to. So how do you go about. We have all advertised whether, the electrician is taking money and ghosted us. The plumber does not show up. The roofer will take money and start, buying time. You would not. So they're not serious about the projects they want to work on. So, that being said, and, you have, you have projects going on in multiple locations, multiple states where you're physically not there. Okay. So that being said, can you tell us a secret and how you find this contractors? yeah.
>> David Selvin:So, contractors, when it comes to fixing and flipping, contractors will make or break you. So that's the most, I personally feel that in a fix and flip project, contractors is the biggest, biggest piece to the puzzle. And you got to keep your eye on them and keep your eye on the ball. The first thing you want to do is when you enter into a market that's a virtual market, that's not in your backyard, is you need that Rockstar agent. You need to find multiple rockstar agents. Now, how do I find those agents? I go on places like Zillow, see who has the most reviews, who's been selling the most homes in that specific zip code. And now I'll go reach out to them, let them know what I'm doing, let them know I'm a big fish coming in here and coming to take over, and, you know, just let them know what they got to know. And then what they do is they put me onto their contractor teams and things like that. That's one way. The next thing I do is I reach out to other investors who are successful in that area and see if they can help me. If I know these investors, see if they can help put me on to different contractors and things like that. Then if I'm ever in the market, what I do is whenever I'm in a market, I wake up very early in the morning, go to the local home depots in that area that I'm looking to buy right when Home Depot's opens and I'm looking to see who's filling up their trucks when building materials. These are the guys. They're there bright and early. They ready to get working early in the morning. Those are the kind of crews and the kind of teams that I need. And then you start having people bid your jobs and, you know, like, just recently, I got a bid on a job. In my mind when I, when I looked at this house, when I locked up the house under contract, I said, this is going to cost me anywhere between 60 and 65,000 in repairs, just based on my experience. Right? So now I had contractors that came through and gave me bids all the way down from 40,000 as high as 100,000 in repairs. Well, obviously, the ones that are up here at 100,000, that's too high. They're giving me retail prices. I can't have that. Then you have some that's down at the $40,000 spectrum. I don't want to hire those guys neither, because what those guys are going to do is going to bid it out for 40 grand at a really low price, just so I hire them and they get the job, and then what they're going to do is do what's called change orders on me and constantly keep jacking that bill up. Jacking that bill up till I end up spending actually probably more than 60, 65, I probably end up spending 70, 80 grand with them. That's how that usually works. So I always go with the middle ground. So if I got a couple different contractors coming in bidding the property and say, like, one's at 100, one's at 42 are right at, like. So, like, in this case in point, one was at 40,001, was at 100, and then I had one at 63 and another at 60. So then I know right there, that's my sweet spot on where I need to be. And at that point, I'm going to vet them out. And I'm also used my gut, you know, I believe big and on energy, and that you can pick up energy and you could pick up on people's vibrations. And I'm so use a little bit of my intuition, a little bit of my gut, check their references, check their work, check, their background, their status with the board and all of that, and then that's who I'm gonna hire. And, I mean, it happens. I mean, I've had contractors run off on the job, on me with money and things like that. And the key is you put a contract in place, use your paperwork and not their paperwork. So my contracts that I use and students that work with me in my coaching program, the contracts that we use is ironclad, where it protects us. They can't put a lien against the property, a mechanics lien, or any of that stuff against the property. So you're protected. And they get paid in milestones, and we iron all that out. So when we hire them, they have to sign the contractor agreement. Excuse me. Which is the contract. Then they have to stop, they have to sign, the pay milestone, which basically shows exactly how they're gonna pay it out. The scope of work. We build out a scope of work, they sign that so they know exactly what they doing, and then. And then that protects them, too. So now when I'm asking them to do something that's not in that scope of work, then they can say, hey, I need an extra two grand. Well, what do you mean? You quoted me 60,000. No, but you're asking me to do something that's not on that scope of work. Take a look at. And this happens all the time because I might bid something out and create a scope of work, and I say bid all of these items on this scope of work out, yet now when it's time to actually do the work, I didn't realize, oh, you know what? I need to build some shelves here, or, we need to, tile up this fireplace and things like that, you know. So when things like that happen, then I need to put in a change order, and then now they deserve to get paid more if they're doing more work than what we agreed to. So these contracts in place protect everybody. I also need to make sure that they have insurance now, sign an insurance identification and make sure that they have all the proper things in place so we can move forward.
>> Vish Muni:Well, that's interesting, David. So now, do you pay these guys upfront before they start the project, or do you have, do you pay them some down payment or.
>> David Selvin:No. Typically what I like to do, and it's very hard, like in a market that's a little slower, you typically will say, look, I'm paying, you complete the work. The fact that you haven't started any work, there's no reason you need money upfront. What they're going to say, well, I need to buy materials. Well, the way I do it, especially when I'm working virtually out of state, is I use my home, this is where credit comes into place. I use my home depot trade accounts, my credit cards to buy the work with the pro desk. And then they'll just come and pick it up and check out so I can buy everything over the phone, online. And then they come in and they check out with all the materials, then I'll pay them at the end of week one. So usually, typically we start with demolition, right? So with demolition you don't need any materials. What I need is just to hire. I need to hire some dumpsters, bring the dumpsters in and you guys just need to come in and start working and you guys get paid at the end of the week just like any other job. Now, in markets where it's a little harder, especially when you're working with a general contractor, they're usually, typically going to want a percentage upfront. And what we like to do is just get that percentage down as much as possible. So recently, with a job that we're getting ready to work on in south Houston, the contractor said I need 20%, deposit of the job. And I said I usually put zero down on this deposit. I usually don't pay a deposit. Because you haven't did any work yet. I'll tell you what though, it is a big job. I'll be willing to give you four grand up front, which averages out to, I think, like, I think, what was it, like 3% or something like that of the job.
>> Vish Muni:So. Well, once, once you get working with them on the first job, I think things would get easier than 2nd, 3rd, fourth, and that's what it is. So how do you stop this? Contractors come in different forms and different attitudes and everybody's working style is a lot different. I mean, people think, oh, it's very easy to work. It's not, easy. I wouldn't say it's difficult. I would say it's different to work with them. Right. So. But how do you stop them from putting any contractor lien on you? Because they have subs and if subs mess up and they don't get paid, and somebody down the chain would hold you responsible and put a lien which would be very late by the time you get to know. How do you stop that from happening?
>> David Selvin:Well, well, in our, in our agreement, in our paperwork, in the contractor agreement that they have, it states right there that we need to know of any subs and any subs that's not listed, they're not allowed to be on the property. And it also states that they cannot put a lien on the property. They sign this, that they cannot put a lien on the property. And it's written in all legal terms, so it's not written exactly how I'm saying it, verbatim. But basically, they cannot put a lien on the property until, because we have to approve of the work. So everything has to be satisfactory to my company. And if it's not satisfactory to my m company, we don't have to pay them the next milestone until it is satisfactory. Meaning, if they're putting up drywall, and then now they mudding and taping, and now the wall looks wavy and looks crooked because they didn't do a good job, well, then we're not paying them until they correct that and they can walk off. And these paperworks are inclined. I've had contractors walk off because they didn't want to fix the job, and they couldn't put a mechanics lien against the property. They couldn't sue me. They couldn't do anything because of the agreement that they signed. So I guess the, magic's in the paperwork.
>> Vish Muni:All right, so it's good. So what? So, looks like your day is pretty busy. So, what does your typical day look like? Because is this your full time job, or do you have any other passion or hobbies outside of this?
>> David Selvin:This is my full time gig, as well as my credit. and business funding. That's my. So I would say yes.
>> Vish Muni:yeah. So tell us a little more about, at the beginning of, the podcast you were talking about, credit score is important, and you have that business. Can you, can you tell us a little more about, just in brief? I know that is a very interesting topic, and you can talk about it for a long time, but in, the interest of time, can you tell us or give us a two minute version of why it is important and how you can help investors?
>> David Selvin:Absolutely. Well, when I was growing up, my family said, cash is king. But in reality, credit. Credit. In. In the real world, credit is God, you know, because you need credit for everything that you do. Everything you do, even, you know, me setting up new utilities, they run your credit. you know, you want to get a car, they run your credit. You need a mortgage to buy a house, run your credit. If you want to rent a house, they run your credit. Everything you do is geared towards credit. And as far as from an entrepreneur standpoint, the reason it is so, so important is because you can't even get business credit or business funding for your business without your personal being intact because they're going to want to check your personal. Unless your business is well established and unless you're doing multiple millions of dollars every year, then, yeah, of course you could get what's called corporate credit. But as far as business credit and business funding, you have to personally guarantee that. Now, it won't report on your personal credit. Yet. Your personal credit has to be of a certain status because they're basically looking at you like, okay, David is a stand up guy. His credit looks solid. So we can extend credit to his business because we're not sure about his business because we never lend his business credit, you know, and that's the way the banks were perceiving things. So it is extremely, extremely important. Everything we do deals in the realm of credit.
>> Vish Muni:That's interesting. Thank you, David, for sharing that. Now, on the other note, I know this is, interesting. how did you get the name, mister prosperity? And, can you tell us what's behind that story? What's behind the name? Sorry.
>> David Selvin:Yeah, so, mister prosperity is just because whatever comes out of my mouth is prosperous. this was a name given to me years ago by people around me because I would read a lot of self, help books. I was looking to change my life. And so I would read, think and grow rich. the magic power of thinking. Biggest, you are born rich by Bob Proctor. what's the big one? As a man thinketh by James Allen. A lot of these books I would read, and then I'll come back to people and just start regurgitating what I just read and telling people about what I read because I was so excited about it. And one day I was actually, I used to have an Audi, and I was in the Audi dealership, and, this lady was feeling all down at work there, and I just started talking to her and I, uplifted her spirits. And ever since then, every time I would go on a dealership, I would say hello to her and she'll say, hey, it's mister m prosperity.
>> Vish Muni:Well, that is great. So tell us one thing. How would your life be different? And would you stop doing what you're doing if you had all the money in the world tomorrow morning?
>> David Selvin:I don't think I would stop what I would be doing if I had all the money in the world. If I had everything that I want. I think I would do a lot more of serving, giving back. I kind of already live a lifestyle that I love. I enjoy my life. I mean, obviously you can always take your life to the next limit. So, yes, there's many more things I can do with my life yet. I think what I want to ultimately be is at the level where I could serve and give back on some next level stuff, you know, do things that, you know, have not been thought of yet as far as in the realm of charity and giving.
>> Vish Muni:And I think that with the money, that's good. And tell us a little more about your family. And what do you do outside real estate on the weekends? And what is your posture? Do you like traveling? Do you like, teaching, or what do you do?
>> David Selvin:Yeah, so I do love, I enjoy. I mean, I enjoy teaching people about credit, finance, and real estate. That is a passion of mine.
>> Vish Muni:I.
>> David Selvin:On the weekends, I have classic cars, as you know, vish. I'm into the lowrider cars. So on the weekends, it's a nice day, pulling one of my cars out and having fun in that. And I'm married with children. I have a beautiful wife. I've been with her for 26 years, and I have two daughters and a son. And my biggest passion is just whatever I do, even if it's with the cars or traveling, I enjoy traveling. is doing it with my family. A lot of times I have to travel for business and work, and I bring somebody in my family with me at all times. I don't like traveling by myself and just, I enjoy the company in my family. I often say that's my biggest blessing, is my family, because we're just so, so, so close, you know, we have a bond like no other. And that's my team, you know, that's my a team right there.
>> Vish Muni:Well, that's your team, and that is the foundation for everything, what we do. The family is everything. And then, most of us take things for granted, and it will be too late by the time they realize. And that, ah, one every minute or every day, every minute of the day, every second is what we need to be thankful and blessed for what we have. Right. And then, David, from the time I met you the first time till late, I never had a doubt, no second chance, that you are so energetic and so uplifting and always positive about things. And with that. With that, what, what else do you have anything else coming up you like to. What are you working on? What is your next project? Next big project?
>> David Selvin:Yeah, it's great that you asked that. So we're working on just building up, our funding company to the next level where we're going to get it to the level where we will work with you until you get multiple six figures. So we're just taking that to the next level and really working on building that out, building out the team just to make sure we can fulfill what we promise. Because I like to, as you already know, vish, I like to under promise and over deliver and so really working heavy on that. And, right now, as far as real estate, the biggest thing I'm doing right now is transitioning this year to automate the business, to kind of step back a little bit so I can start focusing on teaching a little bit more, working out that business funding, program, and doing more of the educational stuff.
>> Vish Muni:that is interesting, David, thank you for that. And then how will you, how will you look? Walk, talk and dress? If you had everything in life, would any of those things change?
>> David Selvin:I don't think I would change. I enjoy being me. There was one time I was actually at, ah, an event that we were at together, the one in Phoenix.
>> Vish Muni:Phoenix, yeah.
>> David Selvin:And there was a lot of people there and I was talking to a big investor there. I don't want to say any names, but I was talking to a big investor there. He does a lot of deals. And I was telling him how, you know, as you know, sometimes I wear a lot of gold and, you know, I got style and I was telling about that and he said, I said, you know, sometimes I feel like people judge me because of the way I look. And he's cracked a smile. He said, don't ever stop being authentically you, as long as you be you, then you're going to always prosper. And he was the first person to tell me that. Then I hired some mentors and they told me the same thing. And so I just decided to just be myself. People are either going to love me or they're going to hate me. I'm not going to be everybody's cup of tea. And so I don't think I would change much. Obviously. the more money then maybe the finer the fabric will get and more custom, and that's about it. Maybe the bigger the watch collection and maybe gold, I don't know. But again, it's. I'm very content on how I live. I'm really grateful for my life and I have everything that I want. I guess the only thing I can use besides this is being able to fly, private instead of commercially. And that would put the icing on the cake for me.
>> Vish Muni:All right, yeah. That is fantastic, David. Thank you very much. For your time. And then, remember, in the journey of investing and life, failures are just stepping stones. They're not failures. They're feedback. So keep out running failures and never, ever stop chasing your dreams. Thank you, David. And your dedication means a lot to all of us. And sharing your journey on this podcast was fantastic. Thank you for joining us today.
>> David Selvin:Thank you for having me, Vish. And to everybody out there listening, just remember, just keep pushing. You're this close. You're this close to your diamonds. You just got to keep pushing and you'll be there.