1 00:00:00.000 --> 00:00:02.490 Sean Murray: Hello, and welcome back to deBankedTV. I'm Sean 2 00:00:02.490 --> 00:00:03.000 Murray. 3 00:00:03.300 --> 00:00:04.410 Adam Zaki: And I'm Adam Zaki. 4 00:00:05.040 --> 00:00:07.290 Sean Murray: Adam, it's your first time in here. 5 00:00:07.380 --> 00:00:09.300 Adam Zaki: I'm happy to be here. Thank you so much for having me. 6 00:00:09.360 --> 00:00:12.060 Sean Murray: Adam is a reporter here at deBanked. If you've ever 7 00:00:12.060 --> 00:00:15.870 read a story on our site that has his name, here is the actual 8 00:00:15.870 --> 00:00:16.980 person himself 9 00:00:17.110 --> 00:00:18.910 Adam Zaki: In the flesh once again, thank you, 10 00:00:18.960 --> 00:00:20.430 Sean Murray: And how long have you have you worked with 11 00:00:20.460 --> 00:00:21.090 deBanked for? 12 00:00:21.090 --> 00:00:23.394 Adam Zaki: Um, it's been about eight months now. So almost a 13 00:00:23.445 --> 00:00:26.576 year. Okay. And I've learned a lot. Yeah, coming from a sales 14 00:00:26.627 --> 00:00:29.757 background. You know, I know what it's like to work in sales. 15 00:00:29.809 --> 00:00:32.067 So from a journalist perspective, it's super 16 00:00:32.118 --> 00:00:35.402 interesting to like, be able to report on sales people. Because, 17 00:00:35.454 --> 00:00:38.687 you know, I worked in car sales for two years. And obviously, I 18 00:00:38.738 --> 00:00:41.868 went to journalism school and now I'm a journalist. So it was 19 00:00:41.920 --> 00:00:45.204 such an interesting perspective to come into this industry with. 20 00:00:45.255 --> 00:00:48.283 And I've learned so much about how small business financing 21 00:00:48.334 --> 00:00:51.516 works. I mean, who knew that you couldn't walk into a bank and 22 00:00:51.568 --> 00:00:54.595 get a loan if you own a pizza place? Yeah. Or a nail salon? 23 00:00:54.647 --> 00:00:57.777 Who knew? So building upon from there it's like, I've learned 24 00:00:57.828 --> 00:01:00.959 more in the past eight months than I ever learned in college, 25 00:01:01.010 --> 00:01:02.550 working at deBanked. For sure. 26 00:01:02.550 --> 00:01:05.760 Sean Murray: I'm not surprised to hear that. So I mean, so 27 00:01:05.760 --> 00:01:08.670 you've worked in in car sales, and you went to school for 28 00:01:08.670 --> 00:01:11.940 journalism? Is journalism, your ultimate passion or like, what 29 00:01:11.940 --> 00:01:12.600 makes you tick? 30 00:01:12.720 --> 00:01:16.380 Adam Zaki: No, I love journalism carsales, you know, I graduated 31 00:01:16.380 --> 00:01:19.110 college. And when you have a resume that says journalism on 32 00:01:19.110 --> 00:01:21.540 it, it's a little difficult to get a job if it only says 33 00:01:21.540 --> 00:01:24.870 journalism. So I said, How am I going to diversify myself out of 34 00:01:24.870 --> 00:01:27.900 all the other journalists out there? And I said, if you can 35 00:01:27.900 --> 00:01:30.300 write an article and interview, somebody you could sell a 36 00:01:30.300 --> 00:01:32.670 product. And so I thought, what would be better and what's 37 00:01:32.700 --> 00:01:35.550 what's an entry level sales position? What's better than car 38 00:01:35.550 --> 00:01:38.910 sales. So I sold Kia's for two years, and I learned, you know, 39 00:01:38.910 --> 00:01:40.890 you can make a week's pay in a month and a month's, pay in a 40 00:01:40.890 --> 00:01:44.010 week, and I'm sure all the brokers know that as well. And 41 00:01:44.010 --> 00:01:46.050 so that's why it's super interesting to come in here with 42 00:01:46.080 --> 00:01:49.590 both perspectives of that, of that. So I know that hustle, I 43 00:01:49.590 --> 00:01:52.860 understand that drive of showing up to work and, you know, going 44 00:01:52.860 --> 00:01:55.680 there to not only just like cut the same check every week, but 45 00:01:55.680 --> 00:01:58.080 yeah, the amount you put in is the amount you get out of it. 46 00:01:58.110 --> 00:02:01.380 Yeah. So knowing that and coming into this, you know, deBanked 47 00:02:01.380 --> 00:02:04.410 office and covering the industry that we do with that mindset. I 48 00:02:04.410 --> 00:02:06.990 think it just gives me so much more of an advantage versus 49 00:02:07.230 --> 00:02:09.600 other reporters that are kind of just coming in here with the 50 00:02:10.020 --> 00:02:13.500 what's exactly going on here kind of mindset where I know the 51 00:02:13.500 --> 00:02:15.960 hustle. Yeah, I know the drive. I know what brings these people 52 00:02:15.960 --> 00:02:18.660 to the office everyday. So knowing that I think I'm able to 53 00:02:18.660 --> 00:02:22.770 just give a different example a different kind of perspective on 54 00:02:22.770 --> 00:02:25.020 what's going on in the small business financing industry. 55 00:02:25.020 --> 00:02:26.530 Sean Murray: Sure and where did you grow up? 56 00:02:26.690 --> 00:02:29.690 Adam Zaki: I'm from Long Island born and raised, okay. Born in 57 00:02:29.690 --> 00:02:32.030 Bellmore went to high school in Bellmore and then moved up to 58 00:02:32.030 --> 00:02:34.010 Sean Murray: I know, I know I brought it up but every time you 59 00:02:34.010 --> 00:02:34.030 southern county 60 00:02:34.010 --> 00:02:36.200 say Bellmore, I think of the Bellmore car show. 61 00:02:36.290 --> 00:02:38.840 Adam Zaki: Oh, it's one of the few things Bellmore's famous for 62 00:02:38.840 --> 00:02:41.630 but it's every Friday night. It's one as it still goes on. 63 00:02:41.660 --> 00:02:44.660 still goes on every Friday. Yeah, I think it's, um, only in 64 00:02:44.660 --> 00:02:48.560 the summer time. It's the best. I used to have a hot rod sports 65 00:02:48.560 --> 00:02:50.450 car. I used to take it there on Friday nights. 66 00:02:50.480 --> 00:02:52.490 Sean Murray: Really? Oh, yeah. Me too. But now, we're talking 67 00:02:52.490 --> 00:02:57.320 like 20 years ago. But yeah, yeah, it's right. It's right 68 00:02:57.320 --> 00:03:00.050 there. I forget. It was like, it's like this gigantic parking 69 00:03:00.050 --> 00:03:00.290 lot. 70 00:03:00.320 --> 00:03:01.400 Adam Zaki: Yep. Bellmore train station. 71 00:03:01.400 --> 00:03:03.380 Sean Murray: Pull right at the train station. You just pull 72 00:03:03.380 --> 00:03:06.410 right in. And you go and you check out everyone's cars. At 73 00:03:06.410 --> 00:03:10.280 least this is 20 years ago. You make friends? Oh, maybe you rev 74 00:03:10.280 --> 00:03:12.560 your engine a little bit to show off and all that. 75 00:03:12.560 --> 00:03:14.160 Unknown: Well, that's what we would do. Yeah, well, I would 76 00:03:14.160 --> 00:03:16.470 love like, you know, I take my car, up at the car dealership at 77 00:03:16.470 --> 00:03:19.080 work and have the guys wash it make it look real nice. Yeah. 78 00:03:19.110 --> 00:03:21.540 And then after work would shoot over to the car show. And, you 79 00:03:21.540 --> 00:03:24.120 know, it was great I'd hand out business cards. I use it as like 80 00:03:24.120 --> 00:03:27.750 a way to sell cars. Because people walk by I had a nice Kia. 81 00:03:27.750 --> 00:03:31.470 I had a Kia Stinger, which is a Kia sports car. And people go 82 00:03:31.470 --> 00:03:34.350 what the hell are you driving and I would go Why don't why 83 00:03:34.350 --> 00:03:36.150 don't why don't you call me and I'll tell ya about it. And I was 84 00:03:36.150 --> 00:03:38.040 able to sell a couple cars just by meeting people at the car 85 00:03:38.040 --> 00:03:41.430 show so smart. Again, I understand the hussle of sales. 86 00:03:41.480 --> 00:03:44.510 Sean Murray: Yeah. And you've actually you've written quite a 87 00:03:44.510 --> 00:03:47.420 number of stories for deBanked. Already. Know you said you've 88 00:03:47.420 --> 00:03:50.840 been you came in and you've you've been learning alternative 89 00:03:50.840 --> 00:03:53.330 finance and who knew you couldn't just walk into a bank 90 00:03:53.510 --> 00:03:56.660 and get a loan? I think that's everyone's first impression when 91 00:03:56.660 --> 00:04:00.200 they're when they're thinking about small business and lending 92 00:04:00.380 --> 00:04:04.730 that happens at a bank. Right? And obviously, here at deBanked. 93 00:04:05.060 --> 00:04:09.050 We know that's very often not the case, whether it's consumer 94 00:04:09.080 --> 00:04:12.530 or business. And of course, banks still provide a service, 95 00:04:12.620 --> 00:04:16.310 you know, there is an element of lending in a market they serve. 96 00:04:16.400 --> 00:04:20.270 But there's a huge market that they don't, right. And I think 97 00:04:20.270 --> 00:04:24.890 that there's this impression that anything else is kind of 98 00:04:24.890 --> 00:04:28.700 like fringe, right? Or maybe just like tech or something. And 99 00:04:28.700 --> 00:04:32.270 it's actually it's a it's a massive, massive world. Oh, 100 00:04:32.270 --> 00:04:35.210 yeah. And there's a lot of moving elements and pieces to 101 00:04:35.210 --> 00:04:35.330 it. 102 00:04:35.370 --> 00:04:37.140 Adam Zaki: I mean, we see that when I when I went to Broker 103 00:04:37.140 --> 00:04:40.200 Fair, really, it put like this whole thing to fruition and made 104 00:04:40.200 --> 00:04:42.570 me realize like how, you know, because I've interviewed I'm 105 00:04:42.570 --> 00:04:44.430 sure some of the people that watch this, and I get on phone 106 00:04:44.430 --> 00:04:46.410 calls, and I knew, you know, there are certain people 107 00:04:46.410 --> 00:04:49.410 operating in the space, but I didn't know how many people how 108 00:04:49.410 --> 00:04:52.110 many people are full time brokers, full time funders, 109 00:04:52.290 --> 00:04:54.240 whether they do it on the side as a side hustle, whether 110 00:04:54.240 --> 00:04:56.790 they're just like in business development or marketing. This 111 00:04:56.790 --> 00:04:59.520 is a ginormous industry that employs 1000s of people, right? 112 00:04:59.550 --> 00:05:02.100 It's not just A couple people cold calling pizza places, 113 00:05:02.130 --> 00:05:05.310 right? It's an entire conglomerate in and of itself. 114 00:05:05.340 --> 00:05:08.040 Yeah. And so that was super interesting to learn and Broker 115 00:05:08.040 --> 00:05:10.980 Fair. Really put that all you know into fruition. 116 00:05:10.980 --> 00:05:13.063 Sean Murray: Yeah, put the faces to all the names exactly right 117 00:05:13.124 --> 00:05:16.739 hearing about. So I want to I want to bring up a story that 118 00:05:16.801 --> 00:05:20.293 you that you wrote it's PPP related. Sure. And there is a 119 00:05:20.354 --> 00:05:24.275 lot of there have been a lot of PPP stories. And there certainly 120 00:05:24.337 --> 00:05:28.136 have been PPP fraud stories. In fact, I think if you if you if 121 00:05:28.197 --> 00:05:31.934 you went in and looked at the numbers, you probably you could 122 00:05:31.996 --> 00:05:35.611 probably report on PPP fraud until until you know, the rest 123 00:05:35.672 --> 00:05:39.409 of your days, really, but you picked up on one in which there 124 00:05:39.471 --> 00:05:43.024 was like another element to PPP fraud that kind of made it 125 00:05:43.085 --> 00:05:46.639 different than some of the others. Do you, do you remember 126 00:05:46.700 --> 00:05:47.620 that story? And 127 00:05:47.690 --> 00:05:50.690 Adam Zaki: Yeah, it was done in Atlanta. I mean, it was a broker 128 00:05:50.690 --> 00:05:51.290 or a funder? 129 00:05:51.880 --> 00:05:54.730 Sean Murray: It was I think it was, I think it was a broker. 130 00:05:54.750 --> 00:05:57.240 Adam Zaki: Yeah, it's a broker that was working with an IRS 131 00:05:57.240 --> 00:06:00.870 agent, right supervisor at the IRS nonetheless, to falsify 132 00:06:00.870 --> 00:06:04.020 documents. So it's, it's interesting to see how far 133 00:06:04.020 --> 00:06:07.230 people will go to make $1. We talked about it all the time 134 00:06:07.230 --> 00:06:09.690 that, you know, people just go out there, especially in the 135 00:06:09.690 --> 00:06:12.840 financial world. And it's sometimes they view doing 136 00:06:12.840 --> 00:06:15.780 illegal things. It's just the cost of doing business. And if 137 00:06:15.780 --> 00:06:18.300 you can make a million dollars, but it's gonna cost you 500,000, 138 00:06:18.300 --> 00:06:22.410 in legal fees, you made half a million dollars. And that's how 139 00:06:22.410 --> 00:06:24.390 a lot of people look at it. Yeah. And so that was just 140 00:06:24.390 --> 00:06:27.510 another example of people just you know, using every possible 141 00:06:27.510 --> 00:06:30.000 connection, they can, yeah, to go out and do some good old 142 00:06:30.000 --> 00:06:30.360 fraud. 143 00:06:30.780 --> 00:06:32.910 Sean Murray: Yeah, and here, here they were, they were using 144 00:06:32.910 --> 00:06:36.240 the help of an IRS agent to do it. So like, when we think about 145 00:06:36.240 --> 00:06:39.750 PPP fraud, I think we're we've been so acclimated to hearing 146 00:06:39.750 --> 00:06:42.090 about the someone, the person who just lied on their 147 00:06:42.090 --> 00:06:45.750 application, they didn't have a business, but they claimed that 148 00:06:45.750 --> 00:06:49.050 they did, right, and at the time it passed through the filters. 149 00:06:49.290 --> 00:06:52.080 And then now they got in trouble. But when you bring in 150 00:06:52.080 --> 00:06:56.280 the element, you have somebody at the IRS helping you, right, 151 00:06:56.280 --> 00:06:59.250 you might feel a little bit more invincible and a little bit more 152 00:06:59.280 --> 00:07:02.490 more bulletproof when you do it. And it's interest, it's 153 00:07:02.490 --> 00:07:05.070 interesting that you would have someone in government that would 154 00:07:05.070 --> 00:07:09.990 risk their job to participate in something like that 155 00:07:09.990 --> 00:07:12.690 Adam Zaki: I'm sure, the IRS is not the greatest place to work. 156 00:07:12.690 --> 00:07:15.720 I'm sure it's not the most fun. But um, you know, it sounds fun. 157 00:07:16.890 --> 00:07:19.200 I'm sure it's a great corporate job with great benefits. I'm 158 00:07:19.200 --> 00:07:21.510 sure that you know, the person that worked for the IRS that was 159 00:07:21.510 --> 00:07:23.670 involved in all this. Yeah. wasn't making a million dollars 160 00:07:23.670 --> 00:07:26.460 a year. Yeah. But I'm sure that that was a job that, you know, 161 00:07:26.460 --> 00:07:29.880 you can build an entire career off of so to blow that, for you 162 00:07:29.880 --> 00:07:33.240 know, three PPP deals worth what less than 300 grand, it wasn't 163 00:07:33.240 --> 00:07:36.270 even an enormous amount of money. No, it's not life 164 00:07:36.270 --> 00:07:39.360 changing money. Yeah. It doesn't really make sense from the IRS 165 00:07:39.360 --> 00:07:42.660 person's perspective, but from the merchants, and there are the 166 00:07:42.660 --> 00:07:45.600 merchants. Yeah. And the brokers. I mean, once again, you 167 00:07:45.600 --> 00:07:48.390 know, just another case of PPP. But yeah, the whole looping with 168 00:07:48.390 --> 00:07:51.570 the IRS agent goes to show that people do anything just to make 169 00:07:51.630 --> 00:07:51.990 $1. 170 00:07:52.200 --> 00:07:55.800 Sean Murray: And I think if you also look at it even a little 171 00:07:55.800 --> 00:07:58.440 bit further, there's there can be an impression that the bad 172 00:07:58.440 --> 00:08:02.820 guys are always one group of people. It's, it's the it's the 173 00:08:02.820 --> 00:08:07.290 fraudsters who don't have a business, right? Or it's the the 174 00:08:07.290 --> 00:08:11.280 loan brokers who can only be bad, right? And we tend to say, 175 00:08:11.280 --> 00:08:14.220 like this group, they're the bad people and all this right. But 176 00:08:14.220 --> 00:08:16.470 then when you bring in somebody like, you know, a government 177 00:08:16.470 --> 00:08:18.600 worker, and by the way, I think they, I think they've been 178 00:08:18.600 --> 00:08:22.530 indicted, but not convicted. So I think that they are still at 179 00:08:22.530 --> 00:08:25.080 this point, innocent until proven guilty. But, you know, 180 00:08:25.080 --> 00:08:28.290 when we look at when we look at the scheme of who did what, I 181 00:08:28.290 --> 00:08:32.670 just felt that this was a this was a good example of showing 182 00:08:32.670 --> 00:08:38.100 that anyone could be bad. Anyone can be bad, even the IRS, 183 00:08:38.130 --> 00:08:40.500 although a lot of people think everyone in the IRS is already 184 00:08:40.500 --> 00:08:44.430 bad. But this is kind of, you know, the next next level bad 185 00:08:44.460 --> 00:08:48.000 they would actually defraud, allegedly, defraud the 186 00:08:48.000 --> 00:08:50.520 government that they worked for, right. 187 00:08:50.690 --> 00:08:52.640 Adam Zaki: I'm sure we'll be seeing a lot more like this as 188 00:08:52.670 --> 00:08:56.420 time goes on as PPP. I mean, I just got an email today, that if 189 00:08:56.780 --> 00:09:00.320 anybody collected unemployment benefits individually, you now 190 00:09:00.320 --> 00:09:02.360 have to provide documentation in New York City that you are 191 00:09:02.360 --> 00:09:04.790 eligible for the benefits at the time that you collected them. 192 00:09:04.970 --> 00:09:08.510 Okay, so now they're verifying unemployment as well. So you 193 00:09:08.510 --> 00:09:10.790 see, the government's are kind of catching up on this free 194 00:09:10.790 --> 00:09:13.370 COVID money. I think we're going to find out that all this COVID 195 00:09:13.370 --> 00:09:14.690 money was not free. 196 00:09:15.329 --> 00:09:18.539 Sean Murray: Yeah, well, unemployment. You know, I don't 197 00:09:18.539 --> 00:09:20.999 know that we've written any stories about it previously, at 198 00:09:20.999 --> 00:09:24.629 least I haven't. We have you're working on you're working on 199 00:09:24.629 --> 00:09:25.679 something currently or 200 00:09:25.679 --> 00:09:29.020 Adam Zaki: No, I collected unemployment during COVID. And I 201 00:09:29.020 --> 00:09:32.410 got an email this morning. Oh, this is how you personally Yeah, 202 00:09:32.410 --> 00:09:34.690 I got an email just saying, Hey, you have to prove that you are 203 00:09:34.690 --> 00:09:37.450 eligible for unemployment. Let's have you work. We I thought we 204 00:09:37.450 --> 00:09:39.550 already did that process when I started collecting the check. 205 00:09:39.550 --> 00:09:42.370 But now I have to go back and they're I guess they're just 206 00:09:42.370 --> 00:09:45.250 doing their due diligence. Yeah. You know, the amount of money 207 00:09:45.250 --> 00:09:48.250 that was given out both to merchants and just a regular 208 00:09:48.250 --> 00:09:50.440 person is astronomical. 209 00:09:50.450 --> 00:09:53.600 Sean Murray: Yeah. I have some indirect sources that tell me 210 00:09:53.600 --> 00:09:56.870 that a lot of people are going to get in trouble. Oh, yeah. In 211 00:09:56.870 --> 00:09:59.900 the unemployment scene. Oh, I know that there was a lot of 212 00:09:59.960 --> 00:10:04.220 funny business going on, and there was a lot of hope that, 213 00:10:04.700 --> 00:10:07.160 you know, things will just get lost in the shuffle, because who 214 00:10:07.160 --> 00:10:10.640 am I? And they'll never check is, you know, the millions of 215 00:10:10.640 --> 00:10:13.730 people are applying for whatever, and I just thought 216 00:10:14.720 --> 00:10:18.050 they're gonna get you. They're gonna get you you know what I 217 00:10:18.050 --> 00:10:22.640 mean whoever did anything bad. So I'm not surprised to hear 218 00:10:22.640 --> 00:10:26.000 that I'm almost surprised to hear that you're hearing from 219 00:10:26.000 --> 00:10:28.760 them so soon I thought it would take longer for them to do this 220 00:10:28.760 --> 00:10:32.120 type of investigation like three years. Yeah, you know what I 221 00:10:32.120 --> 00:10:35.090 mean, now seems a little soon. But perhaps that just kind of 222 00:10:35.720 --> 00:10:39.530 emphasizes how much the government was hurt by 223 00:10:39.530 --> 00:10:41.630 everything. And they're like, they're desperate to collect 224 00:10:41.630 --> 00:10:44.780 back, whatever they, whatever they can, they can't wait three 225 00:10:44.780 --> 00:10:47.660 years. That's it like that has to happen. Now, if you if you 226 00:10:47.660 --> 00:10:51.230 did something wrong, we need to catch you now. Or you need to 227 00:10:51.260 --> 00:10:53.750 make good on it. Now I have a feeling if they find that there 228 00:10:53.750 --> 00:10:57.680 was a lot of, you know, a lot of funny business going on, that 229 00:10:57.680 --> 00:11:00.590 they will probably give some people the opportunity to make 230 00:11:00.590 --> 00:11:06.020 good right on it and potentially, not like arrest 231 00:11:06.020 --> 00:11:08.990 them, right. Basically, if you kind of surrender yourself and 232 00:11:08.990 --> 00:11:11.750 pay it back plus a fee of penalty, this is what I think 233 00:11:11.750 --> 00:11:15.050 would happen. Because you can't arrest like millions of people. 234 00:11:15.080 --> 00:11:17.270 If there were millions of people, you can't arrest 235 00:11:17.270 --> 00:11:20.300 millions of people, I just have a feeling that one of the things 236 00:11:20.300 --> 00:11:22.910 that they would do, if that ends up being their determination 237 00:11:22.940 --> 00:11:26.780 that they would just say, pay it back, pay a fine. And you're 238 00:11:26.780 --> 00:11:31.220 ineligible for XYZ up until such time. And we'll have this on 239 00:11:31.220 --> 00:11:33.680 your kind of permanent record that you did this. Yeah. But 240 00:11:33.680 --> 00:11:35.360 we're not going to come and arrest you. I'm just completely 241 00:11:35.360 --> 00:11:35.990 speculating right now. 242 00:11:35.990 --> 00:11:37.250 Adam Zaki: Well, I'm sure that somebody that collected 243 00:11:37.280 --> 00:11:39.440 unemployment benefits for you know, multiple months, I was 244 00:11:39.440 --> 00:11:41.480 only for a short time, but I'm sure people who have lived off 245 00:11:41.480 --> 00:11:45.050 of it for a year are not in a financial position right now to 246 00:11:45.050 --> 00:11:48.350 pay back in your salary. Right. Right. So what are they going to 247 00:11:48.350 --> 00:11:50.210 do? You know, I mean, I think that's part of the reason why 248 00:11:50.210 --> 00:11:53.480 they want the collectors provide the documentation, because they 249 00:11:53.480 --> 00:11:55.970 don't want to waste the time going through every single case 250 00:11:55.970 --> 00:11:59.450 of doing it themselves. Yeah, make the collector go and go in 251 00:11:59.450 --> 00:12:01.970 and you know, provide all the documentation and if they deem 252 00:12:01.970 --> 00:12:04.940 you're wrong, guess your meant to pay back. So we'll find out 253 00:12:04.940 --> 00:12:05.990 it should be interesting, but I'm good. 254 00:12:06.080 --> 00:12:08.840 Sean Murray: Yeah. Okay. Yeah, this wasn't the beginning of an 255 00:12:08.840 --> 00:12:13.760 investigation. And you have posted, you've been posting your 256 00:12:13.760 --> 00:12:17.810 stories a lot on social media, Twitter, and I'd seen you 257 00:12:17.810 --> 00:12:20.570 posting a lot on LinkedIn, because I shared your story on 258 00:12:20.570 --> 00:12:23.960 there on LinkedIn. How, what's the value of LinkedIn for you, 259 00:12:23.960 --> 00:12:25.010 when you share like a story? 260 00:12:25.240 --> 00:12:28.420 Adam Zaki: LinkedIn is huge. I mean, you know, email go, only 261 00:12:28.420 --> 00:12:31.600 go so far, a phone call only goes so far. Nobody wants to 262 00:12:31.600 --> 00:12:35.140 talk on the phone anymore. You know, Facebook is, you know, for 263 00:12:35.140 --> 00:12:38.170 your parents posting pictures of cats. Now, I'm not going to go 264 00:12:38.170 --> 00:12:40.450 on and in a journalistic matter and message somebody on 265 00:12:40.450 --> 00:12:43.750 Facebook. So LinkedIn is like the perfect balance of social 266 00:12:43.750 --> 00:12:46.540 media and professionalism. Yeah, I mean, I can message somebody 267 00:12:46.540 --> 00:12:48.850 on LinkedIn, they could see where I work, how long I've 268 00:12:48.850 --> 00:12:51.370 worked there, where I'm from, what where I went to college, 269 00:12:51.370 --> 00:12:54.550 what type of degree I have, it's the perfect place for a 270 00:12:54.550 --> 00:12:57.040 journalist. And I'm sure these people that watch the show too 271 00:12:57.040 --> 00:12:59.830 merchants, brokers, people in finance, can message each other 272 00:12:59.830 --> 00:13:03.250 and do business. Yeah, you slide into somebody's Instagram, DMS, 273 00:13:03.310 --> 00:13:06.130 you don't look serious trying to do business, but but a LinkedIn 274 00:13:06.130 --> 00:13:09.940 message is legit. And so it just goes, I mean, some people pay 275 00:13:09.940 --> 00:13:12.370 for LinkedIn before I worked here when I was job searching. 276 00:13:12.400 --> 00:13:15.040 Yeah, totally worth it to pay for LinkedIn, like without What 277 00:13:15.040 --> 00:13:18.160 do you get, if you pay for it, you get a, you get a debit to 278 00:13:18.160 --> 00:13:20.140 your account for almost $70, you 279 00:13:20.170 --> 00:13:22.840 Sean Murray: You get debit, it's very expensive. But that's one 280 00:13:22.840 --> 00:13:23.440 of the benefits. 281 00:13:24.520 --> 00:13:26.980 Adam Zaki: But on top of you know, the price, I mean, there's 282 00:13:26.980 --> 00:13:29.830 some benefits, when you're job searching, you can see the 283 00:13:29.830 --> 00:13:32.380 profiles of everybody else that applied for that job in 284 00:13:32.380 --> 00:13:33.310 comparison to you. 285 00:13:33.610 --> 00:13:35.290 Sean Murray: So okay, so you don't actually get to see their 286 00:13:35.290 --> 00:13:35.710 identity. 287 00:13:35.710 --> 00:13:38.170 Adam Zaki: No, but I can see how many people applied to that job 288 00:13:38.170 --> 00:13:40.900 that have a master's degree. How many people that applied to that 289 00:13:40.900 --> 00:13:43.450 job went to Ohio State University. Okay, you know, so I 290 00:13:43.450 --> 00:13:45.490 could see the demographics of people that I'm competing 291 00:13:45.490 --> 00:13:46.690 against in the job market. 292 00:13:47.230 --> 00:13:48.880 Sean Murray: But I didn't even know that behind a paywall. 293 00:13:48.910 --> 00:13:49.330 Okay. 294 00:13:49.540 --> 00:13:52.090 Adam Zaki: Hugely beneficial if you're in the job market. I 295 00:13:52.090 --> 00:13:54.940 mean, now that I have a job and yeah, I'm not in the job market. 296 00:13:54.940 --> 00:13:58.450 I think that, you know, people can, I can see when people look 297 00:13:58.450 --> 00:14:02.260 at my profile, that's about it. I can message people I'm not 298 00:14:02.260 --> 00:14:04.240 connected with. So there are some you're 299 00:14:04.240 --> 00:14:06.010 Sean Murray: still paying for it. No, oh, no, I 300 00:14:06.010 --> 00:14:09.010 Adam Zaki: No, longer pay for it. But I did my membership 301 00:14:09.010 --> 00:14:11.560 carried over for the first two months I worked here. So I was 302 00:14:11.560 --> 00:14:13.810 able to use it. But it wasn't beneficial enough for me. I 303 00:14:13.810 --> 00:14:16.420 mean, most of the people will accept a random connection by me 304 00:14:16.420 --> 00:14:19.030 because I have the deBanked name in this industry. They know who 305 00:14:19.030 --> 00:14:22.570 we are. But before that, yeah, it was hugely beneficial in the 306 00:14:22.570 --> 00:14:25.420 job market. But LinkedIn is is huge. Without it, my job would 307 00:14:25.420 --> 00:14:26.800 be very difficult. 308 00:14:26.870 --> 00:14:28.670 Sean Murray: Yeah. And I can just say from personal 309 00:14:28.670 --> 00:14:33.470 experience, I've been on LinkedIn for 15 years. Legit, I 310 00:14:33.470 --> 00:14:38.780 signed up in 2007. And I have like 10,000 followers or 311 00:14:38.780 --> 00:14:42.290 whatever it is, but I stopped adding people like a lot like a 312 00:14:42.290 --> 00:14:47.870 long time ago, people will add me and I do accept those who's 313 00:14:48.560 --> 00:14:52.250 you know, kind of industry experience matches what I'm 314 00:14:52.250 --> 00:14:56.300 interested in, right and so if you like sell precious metals, 315 00:14:56.480 --> 00:14:59.840 and you live in Canada, or you know something, I'm like, you 316 00:14:59.840 --> 00:15:03.110 know What does this have to do with what we do right? Cause I 317 00:15:03.110 --> 00:15:05.420 don't want to get spammed, there's certainly like a lot of 318 00:15:05.420 --> 00:15:09.860 spam, like on LinkedIn. Oh, and I could tell but I use it all 319 00:15:09.860 --> 00:15:13.340 the time, you know, you know that I told you, I'm kind of on 320 00:15:13.340 --> 00:15:18.080 there like 24/7. It's like the go to social network. For me, in 321 00:15:18.080 --> 00:15:19.160 terms of communicating. 322 00:15:19.190 --> 00:15:21.230 Adam Zaki: It is great though you go on the weekends, it's 323 00:15:21.230 --> 00:15:24.470 dead. Yeah, Saturday, Sunday, nobody posts on LinkedIn, it's, 324 00:15:24.710 --> 00:15:25.850 Sean Murray: You know, they might as well just turn off the 325 00:15:25.850 --> 00:15:28.700 server. Why not? They do that at the government 326 00:15:28.720 --> 00:15:31.210 Adam Zaki: level, they should do it at LinkedIn, I'm sure it 327 00:15:31.210 --> 00:15:32.170 would save them a couple bucks. 328 00:15:32.200 --> 00:15:34.600 Sean Murray: If you go on to like New York State's website 329 00:15:34.600 --> 00:15:36.310 and you want it I don't know if it's still this way it was at 330 00:15:36.310 --> 00:15:38.320 least a couple years ago. And you want to do like a UCC 331 00:15:38.320 --> 00:15:42.070 search, basically, like find out if anyone has any outstanding 332 00:15:42.070 --> 00:15:46.090 debt, where a like a UCC or lien has been filed. You couldn't do 333 00:15:46.090 --> 00:15:50.830 it after like 10pm on a weekday. And on the weekend, it was just 334 00:15:50.830 --> 00:15:54.910 down because it was closed. But I don't think that people think 335 00:15:54.910 --> 00:15:59.230 about the internet being like, closed at a certain time. But it 336 00:15:59.230 --> 00:16:02.170 does happen on government websites. And it is it is I've 337 00:16:02.170 --> 00:16:05.110 seen what you've seen, like going onto LinkedIn that there's 338 00:16:05.110 --> 00:16:07.270 just not a whole lot happening. Like if there's something I 339 00:16:07.270 --> 00:16:10.810 really want to post on Friday, and it's too late in the day. I 340 00:16:10.810 --> 00:16:14.410 don't post it on definitely post on LinkedIn on Friday night. No, 341 00:16:14.680 --> 00:16:19.900 you know, if you're on LinkedIn on a Friday night. Yeah. I don't 342 00:16:19.900 --> 00:16:23.080 know. Yeah. You gotta you gotta have some time. Yes, you gotta 343 00:16:23.080 --> 00:16:24.520 have some time to unwind, you know? Yes. You 344 00:16:24.520 --> 00:16:27.060 Adam Zaki: As, as somebody who hires people as a business 345 00:16:27.060 --> 00:16:30.360 owner, if you see that someone is not on LinkedIn, versus then 346 00:16:30.360 --> 00:16:32.880 you have a candidate that is on LinkedIn. Do you take the 347 00:16:32.880 --> 00:16:35.280 candidate that is on LinkedIn way more seriously than the one 348 00:16:35.280 --> 00:16:35.700 who's not? 349 00:16:35.900 --> 00:16:38.210 Sean Murray: Yeah, I think there's only so much I could say 350 00:16:38.210 --> 00:16:42.560 as to how we evaluate candidates. But being on 351 00:16:42.560 --> 00:16:50.480 LinkedIn is certainly a good sign. For sure. Because it's, 352 00:16:50.510 --> 00:16:54.590 it's, there's so many people that are on there, right? And it 353 00:16:54.590 --> 00:16:59.300 does showcase your kind of your professional record to the 354 00:16:59.300 --> 00:17:02.720 world, right? And I, there could be an element of why would 355 00:17:02.720 --> 00:17:05.600 someone not want to do that? Because if you give someone a 356 00:17:05.600 --> 00:17:08.720 resume, right, that's between me and you, let's say let's say you 357 00:17:08.720 --> 00:17:13.430 gave me a resume, just a Word file, and I look at it. How do I 358 00:17:13.430 --> 00:17:17.480 know how true it is? Right? I can call your references. Yeah, 359 00:17:17.570 --> 00:17:20.690 I could do that. I could try to you know, do my own homework or 360 00:17:20.690 --> 00:17:25.760 ask two questions. But when your resume is public, there's a lot 361 00:17:25.760 --> 00:17:28.580 more potential for someone to challenge you on it. Right. So 362 00:17:28.580 --> 00:17:30.890 if you went on and said, You were the you know, the CEO of a 363 00:17:30.890 --> 00:17:35.360 large investment bank, right, and I got your resume? I don't 364 00:17:35.360 --> 00:17:38.390 know. Right. Yeah. I'd have to take your word for it. Maybe I 365 00:17:38.390 --> 00:17:41.390 weighed out. Yeah. But if it's on, say LinkedIn, he said he was 366 00:17:41.390 --> 00:17:44.120 CEO of a large investment bank, the odds are someone else is 367 00:17:44.120 --> 00:17:48.290 going to be like, hey, you know, CEO, right? And don't get me 368 00:17:48.290 --> 00:17:50.510 wrong. Obviously, you and I have seen, there's plenty of fake 369 00:17:50.510 --> 00:17:53.660 profiles on LinkedIn, plenty of fake ones, too many for a 370 00:17:53.660 --> 00:17:56.480 variety of variety of purposes, whatever people are trying to 371 00:17:56.480 --> 00:18:00.410 do, but there is some sort of accountability as to your 372 00:18:00.410 --> 00:18:05.060 credentials, because you can be called out on it. Yeah. Although 373 00:18:05.060 --> 00:18:07.820 I guess at the same time, we could all kind of just everyone 374 00:18:07.820 --> 00:18:10.130 could just assume that someone else would call someone else 375 00:18:10.130 --> 00:18:13.070 out. And so nobody calls anyone out. Maybe I'm thinking too much 376 00:18:13.160 --> 00:18:17.900 into it. But I felt like, you know, I feel like if I went on 377 00:18:17.900 --> 00:18:21.500 there, and I like completely lied, that I run the risk of 378 00:18:21.530 --> 00:18:24.710 like being found out. And someone calling me out and 379 00:18:24.710 --> 00:18:27.470 catching me in the lie would blow my entire credibility. 380 00:18:27.800 --> 00:18:30.050 Because you know what I mean, it would just completely, I just 381 00:18:30.050 --> 00:18:33.020 feel like it would just like, Snowball. Yeah. Right. And like, 382 00:18:33.020 --> 00:18:37.790 if he's lying about that, what else is he lying about? So I 383 00:18:37.790 --> 00:18:40.250 think that LinkedIn, from that standpoint, is kind of one of 384 00:18:40.250 --> 00:18:44.750 those things where whatever that person put on paper, they were 385 00:18:44.750 --> 00:18:47.390 willing to also share with everyone else, you know what I 386 00:18:47.390 --> 00:18:49.370 mean, this wasn't just a lie between me and you that no one 387 00:18:49.370 --> 00:18:51.740 else is going to find out about this is something that everyone 388 00:18:51.950 --> 00:18:55.070 everyone else is, is also seeing, too. So for me, it's 389 00:18:55.070 --> 00:18:57.650 kind of like another another layer of like, you know, 390 00:18:57.920 --> 00:18:58.700 legitimacy 391 00:18:58.760 --> 00:19:01.490 Adam Zaki: Like social credit. So social credit scores, like a 392 00:19:01.520 --> 00:19:04.070 beat everyone's scared of social credit. But that's what it is. 393 00:19:04.100 --> 00:19:06.260 Yeah, it's a way to, you know, verify somebody's social 394 00:19:06.260 --> 00:19:09.170 credibility in the workplace. And you know, some people post 395 00:19:09.170 --> 00:19:11.810 privately on LinkedIn, which is getting more and more like, it's 396 00:19:11.810 --> 00:19:13.880 insane with with with the politics and like, the pictures 397 00:19:13.880 --> 00:19:15.860 of the kids on the way. Yeah, that's a little it's getting a 398 00:19:15.860 --> 00:19:18.020 little much. But then you could see if someone you know, if you 399 00:19:18.020 --> 00:19:19.940 have a picture with the kids on LinkedIn, it's not the worst 400 00:19:19.940 --> 00:19:23.270 thing you see character in people. So it goes to show that 401 00:19:23.480 --> 00:19:26.300 it's just a great tool for people in the professional world 402 00:19:26.300 --> 00:19:28.910 to verify that it each other are legit. 403 00:19:28.990 --> 00:19:33.280 Sean Murray: Yeah, yeah. No, I totally agree. And I'm glad that 404 00:19:33.280 --> 00:19:37.570 you're using it and finding it valuable. Something I recommend 405 00:19:37.570 --> 00:19:41.890 to everyone honestly, like, I have heard that some, like, 406 00:19:42.190 --> 00:19:45.580 broker training courses will emphasize the value of LinkedIn. 407 00:19:46.660 --> 00:19:48.760 Maybe that's because there's small business owners or 408 00:19:48.760 --> 00:19:51.100 potential borrowers who are on LinkedIn. And this is a unique 409 00:19:51.100 --> 00:19:53.800 way to reach them through a professional correspondence. 410 00:19:53.830 --> 00:19:56.020 Because if you just get a cold call, again, you don't know who 411 00:19:56.020 --> 00:19:59.230 that is. You get a cold call email. You know, do you trust 412 00:19:59.230 --> 00:20:01.060 him but if you're being If you're being reached out to 413 00:20:01.060 --> 00:20:04.660 someone over LinkedIn, and it's a cold communication, they can 414 00:20:04.660 --> 00:20:07.270 go check out your profile, kinda like what I was saying before. 415 00:20:07.780 --> 00:20:10.690 If there's any lies in there, that person has the potential of 416 00:20:10.690 --> 00:20:14.680 being found out by the masses, right? So it is that layer of 417 00:20:14.710 --> 00:20:19.210 legitimacy. And also, like you said, you know, DMing somebody 418 00:20:19.210 --> 00:20:23.200 on Instagram? Yeah, I don't really, I don't know that I 419 00:20:23.530 --> 00:20:27.760 really have ever done that in any professional capacity, 420 00:20:27.790 --> 00:20:32.350 unless there was no other way to reach that person. And like, 421 00:20:32.380 --> 00:20:36.190 they were only on Instagram. And you know, they had a YouTube 422 00:20:36.190 --> 00:20:40.150 channel or something. There was no website. And like, Instagram 423 00:20:40.150 --> 00:20:42.550 is the only way you can reach Oh, yeah. But I gotta tell you, 424 00:20:42.580 --> 00:20:47.800 when I've tried, I've never gotten any response. I don't I 425 00:20:47.800 --> 00:20:49.660 don't know what maybe because I don't have enough followers. You 426 00:20:49.660 --> 00:20:52.240 know what I mean, or that person is being spammed all the time. 427 00:20:52.510 --> 00:20:54.910 Maybe I don't know how to do messaging, right on Instagram. 428 00:20:54.910 --> 00:20:56.050 That's a possibility too 429 00:20:56.440 --> 00:20:58.180 Adam Zaki: We'll have to show you we got great social media 430 00:20:58.180 --> 00:21:04.480 Sean Murray: That's true. So you were saying before that you grew 431 00:20:58.180 --> 00:20:58.990 people. That's true. 432 00:21:04.480 --> 00:21:06.250 up on Long Island, we were talking about the Bellmore car 433 00:21:06.250 --> 00:21:09.220 show. And you have seen also, I think, in some of your 434 00:21:09.220 --> 00:21:12.850 experience, reporting on this space, that there is a good 435 00:21:12.850 --> 00:21:17.860 amount of B2B or even Small Business Finance, people who 436 00:21:17.860 --> 00:21:19.090 work out on the island. 437 00:21:19.090 --> 00:21:21.547 Adam Zaki: Oh, yeah, the Sunrise Business Center, a ton of the 438 00:21:21.596 --> 00:21:24.414 people that read our stuff work. Right there. I lived five 439 00:21:24.462 --> 00:21:27.037 minutes from there. So the industry I know that we're 440 00:21:27.086 --> 00:21:30.050 talking about is it going to Miami, is it going to Manhattan? 441 00:21:30.098 --> 00:21:32.770 Is it going to all these different places, right? Right 442 00:21:32.819 --> 00:21:35.734 now, where is it focused, and it's focused on Long Island in 443 00:21:35.783 --> 00:21:38.795 downtown Manhattan. But then we even I write stories about the 444 00:21:38.844 --> 00:21:41.613 industries going to Miami. I think that at the end of the 445 00:21:41.661 --> 00:21:44.188 day, Long Island, serves the perfect place for these 446 00:21:44.236 --> 00:21:47.103 businesses to do business. Because it has the bounce in New 447 00:21:47.152 --> 00:21:50.212 York City, you get to hire New Yorkers, which is the reason why 448 00:21:50.261 --> 00:21:52.836 people do business here is because the employees, the 449 00:21:52.885 --> 00:21:55.945 candidates that people to hire are the best, the best colleges, 450 00:21:55.994 --> 00:21:58.909 okay, people who grow up here and go to school here, or even 451 00:21:58.958 --> 00:22:01.921 grow up elsewhere and come to college here and get jobs here. 452 00:22:01.970 --> 00:22:04.885 It's the best of the best ask anybody I'm sure you know, the 453 00:22:04.934 --> 00:22:07.849 cream of the crop when you're looking for employees are from 454 00:22:07.897 --> 00:22:10.910 this area. So if you're doing business on the island, you have 455 00:22:10.958 --> 00:22:13.727 access to everybody who works and lives in New York City. 456 00:22:13.776 --> 00:22:16.691 Okay, just a guy commute from the island of Manhattan. There 457 00:22:16.740 --> 00:22:19.558 are people that reverse commute that go out to the island, 458 00:22:19.606 --> 00:22:22.667 right. I also think you have the suburban life, you can raise a 459 00:22:22.716 --> 00:22:25.728 family on Yeah, not many people want to raise a family on 14th 460 00:22:25.776 --> 00:22:28.934 Street. And I totally understand that. I wouldn't want to either, 461 00:22:28.983 --> 00:22:31.995 Yeah, but you're just an hour train ride away from the city if 462 00:22:32.044 --> 00:22:35.056 you want to do business here. And then, of course, you got the 463 00:22:35.105 --> 00:22:37.826 bagels and the pizza, unreal food out on the island. Way 464 00:22:37.874 --> 00:22:40.984 better than anything, get in the five boroughs. I know that that 465 00:22:41.032 --> 00:22:43.850 might catch a lot of flack. Alright. But I think it's just 466 00:22:43.899 --> 00:22:46.668 the perfect balance. And that's why I love it. I love the 467 00:22:46.717 --> 00:22:49.486 balance of being able to go home at night, hang out in my 468 00:22:49.534 --> 00:22:52.595 backyard, it's quiet, I have a car, I can drive wherever I want 469 00:22:52.644 --> 00:22:55.365 to go. versus, you know, the city or another place where 470 00:22:55.413 --> 00:22:58.425 Miami, it's the same weather all year round. In the city. It's 471 00:22:58.474 --> 00:23:01.583 very expensive. And life is much different. I enjoy the suburban 472 00:23:01.632 --> 00:23:04.693 life. And I think that many of these people that work in sales, 473 00:23:04.741 --> 00:23:07.851 want to have families and wives and kids. They want the suburban 474 00:23:07.900 --> 00:23:11.058 life and they still want to have that New York hustle. Yeah. Long 475 00:23:11.106 --> 00:23:13.050 Island's the place to be without a doubt 476 00:23:13.660 --> 00:23:15.430 Sean Murray: You know, I gotta say, I grew up on Long Island 477 00:23:15.430 --> 00:23:18.820 too, as you know. Yeah. But I feel like my personal opinion is 478 00:23:18.820 --> 00:23:25.090 that Long Island has a certain cultural background that makes 479 00:23:25.090 --> 00:23:29.560 it that makes the people they're really suited towards, like 480 00:23:29.560 --> 00:23:32.680 phone sales. Yeah. Like, yeah, like you said, it's a lot of New 481 00:23:32.680 --> 00:23:36.760 Yorkers. Right? Yeah. And I just think a lot, you know, the 482 00:23:36.760 --> 00:23:40.180 culture, the attitude, you know, like the hustle all that stuff. 483 00:23:40.420 --> 00:23:45.340 It just goes so well hand in hand with doing, you know, phone 484 00:23:45.340 --> 00:23:50.020 sales or any any type of sales. I know that when I first started 485 00:23:50.020 --> 00:23:54.430 in the industry, even even in the early days, that you could 486 00:23:54.430 --> 00:23:57.820 bump into people working in it anywhere, like on the Long 487 00:23:57.820 --> 00:24:01.060 Island Rail Road, or you know, at just walking down the street. 488 00:24:01.690 --> 00:24:04.870 And I think that it's only grown, like you said, like we're 489 00:24:04.870 --> 00:24:08.020 all writing about how everyone's moving to Miami. Right, as we 490 00:24:08.020 --> 00:24:10.450 all then take the Long Island river back to Yeah, you know, 491 00:24:10.900 --> 00:24:14.320 100 back to our hometowns. Right. So there's definitely 492 00:24:14.320 --> 00:24:17.230 there's definitely an element of truth to what you say. And I 493 00:24:17.230 --> 00:24:20.380 don't think that there's going to be a mass exodus. You know, 494 00:24:20.380 --> 00:24:23.350 maybe you can tell me you've heard differently of people who 495 00:24:23.350 --> 00:24:26.350 operate in the business on Long Island. Forget about the city, 496 00:24:26.740 --> 00:24:29.500 that the Long Island demographic, I don't think that 497 00:24:29.500 --> 00:24:32.350 they are going to move to a place like Miami. I think that 498 00:24:32.380 --> 00:24:33.910 Long Island is their home. 499 00:24:33.960 --> 00:24:35.640 Adam Zaki: I mean, that's outside of the merchant cash 500 00:24:35.640 --> 00:24:38.670 advance industry. That's every Long Islander never leaves. 501 00:24:38.700 --> 00:24:39.120 That's true. 502 00:24:39.120 --> 00:24:41.670 Sean Murray: That's true. Yeah. They don't just say, oh, you 503 00:24:41.670 --> 00:24:44.370 know, business seems to really be picking up in in South 504 00:24:44.370 --> 00:24:47.970 Florida. Therefore, that's where we got to go. Sorry. I got to 505 00:24:47.970 --> 00:24:50.370 take the kids out of school. You know what I mean we're moving to 506 00:24:50.370 --> 00:24:54.630 South Florida now. Now everyone will everyone eventually moves 507 00:24:54.630 --> 00:24:58.290 there when they retire though. Not everyone but Florida is a 508 00:24:58.290 --> 00:25:01.950 very popular retirement spot. But yeah, I don't think that 509 00:25:02.010 --> 00:25:04.260 when we talk about like this exodus or everyone's moving to 510 00:25:04.260 --> 00:25:06.420 Miami, I don't think we're really talking about Long 511 00:25:06.420 --> 00:25:07.050 Islanders. 512 00:25:07.050 --> 00:25:09.310 Adam Zaki: No, I mean, I have, I will say that I have spoken to a 513 00:25:09.310 --> 00:25:13.510 couple brokers out on the island who own brokerage firms that say 514 00:25:13.510 --> 00:25:16.240 that they do plan on opening satellite offices in Miami that, 515 00:25:16.270 --> 00:25:18.940 okay, they want to do business down there, but they don't want 516 00:25:18.940 --> 00:25:21.730 to move business down there. And so that's where I think we're 517 00:25:21.730 --> 00:25:25.690 going to that you can have the ability to have two offices, you 518 00:25:25.690 --> 00:25:28.000 can have the ability to do business in two places, you 519 00:25:28.000 --> 00:25:29.770 don't have to leave New York, just because the laws are 520 00:25:29.770 --> 00:25:32.230 changing in New York, you can have an office in Miami, do 521 00:25:32.230 --> 00:25:34.810 business down there, and still get what you can out of New 522 00:25:34.810 --> 00:25:38.470 York, I think, despite disclosure laws or politics, the 523 00:25:38.470 --> 00:25:41.020 benefits for being in the city, if you're working in selling 524 00:25:41.020 --> 00:25:44.800 money, it's the only place to do it, it's the only place to do 525 00:25:44.800 --> 00:25:48.520 it, until someone could tell me different, just how I feel. 526 00:25:48.610 --> 00:25:53.050 Sean Murray: Yeah. And I will say, you know, it's the only 527 00:25:53.050 --> 00:25:57.160 place to do it, that being in a certain place, definitely 528 00:25:57.160 --> 00:25:58.600 creates a certain motivation. 529 00:25:59.100 --> 00:25:59.730 Adam Zaki: Yes. 530 00:26:01.100 --> 00:26:04.130 Sean Murray: When I am not in the New York metro area, I feel 531 00:26:04.160 --> 00:26:08.180 a lot less motivated. It's usually because I'm on like, I'm 532 00:26:08.180 --> 00:26:12.980 on vacation or something. But it's when everyone around you is 533 00:26:12.980 --> 00:26:15.830 kind of just like grinding and grinding and out, you know, with 534 00:26:15.830 --> 00:26:21.170 huge aspirations and ambitions or pursuing their dreams. It's 535 00:26:21.170 --> 00:26:26.930 very, very motivating. And it's hard to kind of pull back from 536 00:26:26.930 --> 00:26:30.590 that type of environment, right, because you're immersed in it, 537 00:26:30.800 --> 00:26:34.490 where everyone's everyone's going for something. And I've, 538 00:26:34.520 --> 00:26:37.550 you know, this kind of feeds into, like, you know, zoom and 539 00:26:37.550 --> 00:26:40.790 working remote, all that stuff, I could never work from home. 540 00:26:41.180 --> 00:26:44.690 And I could not just move into like the middle of nowhere where 541 00:26:44.690 --> 00:26:47.630 you know, I can get a cheap, big house, because I got it, I gotta 542 00:26:47.630 --> 00:26:51.170 say I would not be as motivated to do any of the things that I 543 00:26:51.170 --> 00:26:55.160 do. And it helps also, to be around people who are like 544 00:26:55.160 --> 00:26:59.030 minded in the like, in the field that you're in. Because if we 545 00:26:59.030 --> 00:27:02.420 were just in a place where maybe there was hustle and bustle, but 546 00:27:02.420 --> 00:27:06.890 no finance people, I probably wouldn't be feeling it as much. 547 00:27:06.980 --> 00:27:09.170 If I couldn't go outside and talk to someone who was in it, 548 00:27:09.230 --> 00:27:11.570 you know what I mean like, there's that feeling of going 549 00:27:11.570 --> 00:27:14.330 outside and talking to someone. And they're like, it did this 550 00:27:14.330 --> 00:27:17.060 many deals today or close this much business today. And they're 551 00:27:17.060 --> 00:27:19.610 talking the lingo that you talk and all that stuff. And then you 552 00:27:19.610 --> 00:27:22.370 go upstairs and you're like, you know, you're like, you know, 553 00:27:22.370 --> 00:27:24.440 you're all pumped up to like, you know, this is like this is 554 00:27:24.440 --> 00:27:27.500 you know, we're all in it. Bla bla bla bla bla. And if there 555 00:27:27.500 --> 00:27:30.620 was none of that around here, I just would I just would not be 556 00:27:30.650 --> 00:27:33.080 motivated, we would be a different company. 557 00:27:33.720 --> 00:27:35.730 Adam Zaki: Okay, but you know, people people do get motivated 558 00:27:35.730 --> 00:27:38.100 outside here because we see at Broker Fair people flying in for 559 00:27:38.100 --> 00:27:40.920 the event. It's not only a roomful of New Yorkers. Now 560 00:27:40.920 --> 00:27:43.920 there are people from outside of New York that come here. So I 561 00:27:43.920 --> 00:27:46.260 don't know if I could do that. But there are surely people out 562 00:27:46.260 --> 00:27:50.340 there that do not need the skyscrapers to get motivated. 563 00:27:50.790 --> 00:27:54.630 But it does definitely help does definitely help knowing that 564 00:27:54.840 --> 00:27:57.870 there's 8 million people hustling right around you at any 565 00:27:57.870 --> 00:28:00.630 given moment right here. They just encourage you to work hard. 566 00:28:00.720 --> 00:28:01.950 That's why I like coming here. 567 00:28:02.200 --> 00:28:05.710 Sean Murray: Yeah. But you know, there there are certain parts of 568 00:28:05.710 --> 00:28:09.310 the country though, where it's, there's no surprise that there 569 00:28:09.310 --> 00:28:13.720 hasn't really been like a growth of like, this type of industry, 570 00:28:13.900 --> 00:28:18.040 right? Oh, yeah. Where you'll hear about like, one or two 571 00:28:18.040 --> 00:28:21.370 people, and it just never takes off. Because kinda the, you 572 00:28:21.370 --> 00:28:25.090 know, the community there just thinks like a different way. But 573 00:28:25.090 --> 00:28:26.920 yeah, you're absolutely right. Of course, people fly from all 574 00:28:26.920 --> 00:28:31.210 over the place. But we, at the same time, we find that they 575 00:28:31.210 --> 00:28:34.750 come from other kind of like minded places, like Miami does 576 00:28:34.750 --> 00:28:38.980 have a like a robust, like, finance community, believe it or 577 00:28:38.980 --> 00:28:43.510 not, places in like Southern California, obviously, you know, 578 00:28:43.510 --> 00:28:46.480 the New York metro area. And there are places in the Midwest 579 00:28:46.480 --> 00:28:49.540 too like Kansas City that other people in New York may not be 580 00:28:49.540 --> 00:28:52.630 thinking about. But it's like a financial hub. You know, Kansas 581 00:28:52.630 --> 00:28:56.500 City has been a big part of the country for a long time. Salt 582 00:28:56.500 --> 00:29:01.990 Lake City, right. Places like that. And, yeah, this kind of 583 00:29:01.990 --> 00:29:05.380 continued to grow over time, even Las Vegas. Yeah, there's 584 00:29:05.380 --> 00:29:08.680 that there's shops out in Las Vegas, right? There's a 585 00:29:08.680 --> 00:29:11.200 different type of motivation there. But there's there's so 586 00:29:11.200 --> 00:29:13.300 much hustle and bustle. There's definitely motivation, 587 00:29:13.420 --> 00:29:15.040 Adam Zaki: I think this correlation between the cost of 588 00:29:15.040 --> 00:29:17.590 living and the hustle and bustle. If you're paying a rent 589 00:29:17.590 --> 00:29:21.460 or a mortgage on a house, it's seven $800,000 your going to be 590 00:29:21.460 --> 00:29:24.100 way more motivated to go out and close deals. Yeah, and if your 591 00:29:24.100 --> 00:29:26.290 mortgage is 1200 bucks a month and you're married with two 592 00:29:26.290 --> 00:29:29.380 kids, yeah, you don't have to close as many deals to live so 593 00:29:29.380 --> 00:29:32.200 there's a hustle and bustle because you just have to to eat 594 00:29:32.440 --> 00:29:35.410 Sean Murray: Yeah, that's true. And if everyone if everyone 595 00:29:35.410 --> 00:29:38.650 around you you know is living a better lifestyle than you I have 596 00:29:38.650 --> 00:29:39.460 to live that lifestyle too, 597 00:29:39.670 --> 00:29:40.540 Adam Zaki: I gotta work harder. 598 00:29:41.350 --> 00:29:45.430 Sean Murray: It's totally true. But what so when you're like on 599 00:29:45.430 --> 00:29:48.790 LinkedIn and like social media, are you finding people that are 600 00:29:48.790 --> 00:29:52.780 like brokering these products are on there too like, 601 00:29:53.680 --> 00:29:56.620 obviously, because we both we both work in the same office. 602 00:29:56.650 --> 00:29:59.260 Yep. But we're not we're not like sitting over each other 603 00:29:59.290 --> 00:30:02.950 watching each other. Every move and all that stuff but are you 604 00:30:03.070 --> 00:30:05.710 are you seeing brokers like chat on social media cause I 605 00:30:05.710 --> 00:30:09.430 personally, I see them in some like Facebook groups, but I do 606 00:30:09.430 --> 00:30:11.680 see them on like LinkedIn or Twitter or any of that stuff. 607 00:30:11.680 --> 00:30:14.198 Adam Zaki: I see the brokers not speaking to each other the 608 00:30:14.250 --> 00:30:17.358 brokers use primarily LinkedIn and Instagram to create a an 609 00:30:17.411 --> 00:30:20.308 image a brand for themselves. I don't know if it's with 610 00:30:20.360 --> 00:30:23.679 admirations of creating like a broker school, or just trying to 611 00:30:23.731 --> 00:30:26.997 make them the go to place for businesses if they provide like, 612 00:30:27.050 --> 00:30:29.736 information on like a landscaping financing, if you 613 00:30:29.788 --> 00:30:32.949 make a video about landscaping financing, maybe a landscaper 614 00:30:33.001 --> 00:30:36.320 will go, I want to get my cash advance from this guy because he 615 00:30:36.372 --> 00:30:39.533 knows what he's talking about. So there's some motivation to 616 00:30:39.585 --> 00:30:42.904 create a brand create an image on social media, but I don't see 617 00:30:42.956 --> 00:30:46.011 them conducting business too much. Because I think it'd be 618 00:30:46.064 --> 00:30:49.172 weird for a broker to like, publicly contact a merchant and 619 00:30:49.224 --> 00:30:52.332 say, Hey, are you in need of money on a LinkedIn post, it's 620 00:30:52.384 --> 00:30:55.755 not the medium to do that. It's the medium to kind of, you know, 621 00:30:55.808 --> 00:30:58.758 like you said, create a legitimacy of yourself works the 622 00:30:58.810 --> 00:31:02.181 same way for your brand. If you want to create a video or create 623 00:31:02.234 --> 00:31:05.289 some type of motivational Gary Vee esque style of posting. 624 00:31:05.342 --> 00:31:08.555 That's what it's there for. And we're seeing a lot of brokers 625 00:31:08.607 --> 00:31:11.293 try to figure out how to leverage social media. And 626 00:31:11.346 --> 00:31:14.296 that's kind of where they're all gathering. Is this like 627 00:31:14.348 --> 00:31:17.772 motivational Gary Vee ask get up and hustle and go get it kind of 628 00:31:17.825 --> 00:31:21.143 content, which is great. Yeah. And you know, salespeople really 629 00:31:21.196 --> 00:31:24.040 love that. And we see that people who are able to, you 630 00:31:24.040 --> 00:32:22.340 Sean Murray: Yeah. Hey, yeah, the DoorDash story finally came 631 00:31:24.093 --> 00:31:27.306 know, be motivational speakers make a ton of money out there, 632 00:31:27.358 --> 00:31:30.571 there are people that get paid, you know, you pay speakers at 633 00:31:30.624 --> 00:31:33.890 events, it's, it's cost a lot of money to pay speakers, right? 634 00:31:33.942 --> 00:31:37.208 It's a great job to get if you can, if you can put yourself in 635 00:31:37.260 --> 00:31:40.473 that space. But I just don't know, if brokers are doing it in 636 00:31:40.526 --> 00:31:43.686 the right format. I feel like it's difficult for a broker to 637 00:31:43.739 --> 00:31:46.952 go out there and right off the bat and just say, Hey, this is 638 00:31:47.005 --> 00:31:50.323 how you hustle. This is how you do it. And I don't know who you 639 00:31:50.376 --> 00:31:53.694 are. So I think that the brokers have to kind of put themselves 640 00:31:53.747 --> 00:31:56.749 in with the people that they want to sell money to. Yeah, 641 00:31:56.802 --> 00:31:59.804 perfect way to do it is to create a video like how to how 642 00:31:59.857 --> 00:32:03.122 to get landscape financing focus and find your niche, and then 643 00:32:03.175 --> 00:32:06.493 build up from there just going out and saying hustle and do it. 644 00:32:06.546 --> 00:32:09.864 Good morning. doesn't do much. Yeah, I don't get it. But if you 645 00:32:09.917 --> 00:32:13.130 find a niche, and you find a good way to promote your product 646 00:32:13.182 --> 00:32:16.237 while also helping people on social media. There's nothing 647 00:32:16.290 --> 00:32:18.450 wrong with that. What's better than that? 648 00:32:22.340 --> 00:32:25.520 out. Yeah, saw that. So they finally announced that they were 649 00:32:25.520 --> 00:32:28.580 doing small business financing, after you announced that they 650 00:32:28.580 --> 00:32:31.460 were doing small business financing. I mean, how do you 651 00:32:31.490 --> 00:32:32.330 how do you feel about? 652 00:32:32.990 --> 00:32:35.420 Adam Zaki: I mean, all it did was all it took was a Google 653 00:32:35.420 --> 00:32:37.460 search. And I just went on DoorDash website, it was right 654 00:32:37.460 --> 00:32:40.280 there. And I did some more research. And I said, Why the 655 00:32:40.280 --> 00:32:42.770 hell is nobody else talking about this? And then I told you, 656 00:32:42.770 --> 00:32:45.410 and then we ended up publishing the story. And DoorDash did not 657 00:32:45.410 --> 00:32:48.350 want to speak to me when we were working on before we published, 658 00:32:48.350 --> 00:32:50.750 but they didn't deny it. Right. They didn't deny it. They said 659 00:32:50.750 --> 00:32:53.930 they had no comment. Yeah. DoorDash I mean, it was on their 660 00:32:53.930 --> 00:32:56.930 website. I mean, they had a lot of comments today. Yeah, story. 661 00:32:57.380 --> 00:32:59.840 I think we caught it early on the proof. We had a proof we 662 00:32:59.840 --> 00:33:02.240 caught it early, which is great. It's great for it's great for 663 00:33:02.270 --> 00:33:04.310 deBanked. It's not great for DoorDash. I'm sure that it 664 00:33:04.310 --> 00:33:07.010 messed up their timetable a little bit. But hey, brokers 665 00:33:07.010 --> 00:33:09.860 Look at that. And they got that's a wake up call is a 666 00:33:09.860 --> 00:33:12.770 company like DoorDash is offering cash advances. If 667 00:33:12.770 --> 00:33:14.750 you're sitting there cold calling merchants saying hey, do 668 00:33:14.750 --> 00:33:17.480 you need money? You're five years behind the game right now. 669 00:33:17.510 --> 00:33:18.950 And that proves it 670 00:33:18.990 --> 00:33:21.000 Sean Murray: Yeah, I think you're right. The other thing I 671 00:33:21.000 --> 00:33:24.390 want to I want to ask you about because we banter about a little 672 00:33:24.390 --> 00:33:28.440 bit in the office. You've written some crypto content that 673 00:33:28.440 --> 00:33:30.690 are crypto content is kind of increased in the last few 674 00:33:30.690 --> 00:33:34.230 months. Because you you've been putting a little bit of focus on 675 00:33:34.230 --> 00:33:37.140 that on that space. And I know that you've even gone to some of 676 00:33:37.140 --> 00:33:43.080 the NFT and crypto events. Yep. What's you know, what do you 677 00:33:43.080 --> 00:33:45.270 think about crypto in general? Do you have thoughts about like 678 00:33:45.270 --> 00:33:46.800 the industry or the concept? 679 00:33:47.620 --> 00:33:50.380 Adam Zaki: I think that there's some legitimacy in the 680 00:33:50.380 --> 00:33:53.140 fundamentals of cryptocurrency things like blockchain 681 00:33:53.140 --> 00:33:56.590 technology and objective ledger, all that stuff will have a place 682 00:33:56.590 --> 00:33:59.530 in finance, it already does if brokers had a place where they 683 00:33:59.530 --> 00:34:01.570 can go and get all the information in one spot and 684 00:34:01.570 --> 00:34:04.840 share it with each other have access to credit scores, no bank 685 00:34:04.840 --> 00:34:07.240 transaction history, all that stuff for any merchant that you 686 00:34:07.240 --> 00:34:09.760 needed, and all a merchant have to do is give you a password you 687 00:34:09.760 --> 00:34:12.760 have access their entire entire financial history in one spot. 688 00:34:13.150 --> 00:34:15.640 It's beautiful brokers would kill for that. Right. And I 689 00:34:15.640 --> 00:34:18.880 think that that is where the technology will serve the 690 00:34:18.880 --> 00:34:21.670 financial community is in the fundamentals of the way it 691 00:34:21.670 --> 00:34:25.570 works. Board apes, crypto punks, all that stuff. It's part of the 692 00:34:25.570 --> 00:34:28.300 hype. Yeah, you go to these shows. It's so funny. I go to 693 00:34:28.330 --> 00:34:32.980 you post a, like an alternative financer in LinkedIn, does so 694 00:34:32.980 --> 00:34:36.610 well. You post a crypto post on LinkedIn does nothing, 695 00:34:36.750 --> 00:34:39.870 Sean Murray: I think and I just gotta say, because I think that 696 00:34:39.870 --> 00:34:42.960 some people think that there's no link between the two, 697 00:34:43.680 --> 00:34:45.930 alternative finance and crypto, that crypto is this like 698 00:34:45.960 --> 00:34:50.970 isolated, you know, kind of like craze. Yeah, that ultimately is 699 00:34:50.970 --> 00:34:54.960 not going to play a factor in the rest of it. Like having 700 00:34:54.960 --> 00:34:57.060 interviewed tons of people now that space and meant a lot of 701 00:34:57.060 --> 00:34:58.980 the shows. I mean, do you think that's correct. 702 00:34:59.440 --> 00:35:02.170 Adam Zaki: I think that people who are in this space know a lot 703 00:35:02.170 --> 00:35:05.230 about money, and they don't want to be perceived, they don't know 704 00:35:05.230 --> 00:35:08.320 what about money. So they want to project that, hey, I know 705 00:35:08.320 --> 00:35:13.000 about crypto I'm in this space. So I think that it's a great way 706 00:35:13.000 --> 00:35:15.670 for people in finance to, you know, if they don't trust the 707 00:35:15.670 --> 00:35:18.040 dollar, they can use it as a savings account, go put, you 708 00:35:18.040 --> 00:35:20.620 know, put 10 grand in Bitcoin. Yeah. Rather than put it in 709 00:35:20.620 --> 00:35:23.260 your, you know, a CD in a bank. If you want to do that, that's 710 00:35:23.260 --> 00:35:26.680 fine. But once again, I think it comes down to the fundamentals 711 00:35:26.860 --> 00:35:30.310 of blockchain technology. That's where finance will be able to 712 00:35:30.310 --> 00:35:33.820 leverage this. I don't think pictures of animals or know all 713 00:35:33.820 --> 00:35:37.090 these random coin Shiba coin, maybe Dogecoin because Elon Musk 714 00:35:37.090 --> 00:35:40.450 is so into Dogecoin. But these random coins you've never heard 715 00:35:40.450 --> 00:35:43.210 of, and these pictures of all these animals, it's part of the 716 00:35:43.210 --> 00:35:46.630 hype. It's like the.com bubble, it really is. But just like how 717 00:35:46.630 --> 00:35:50.710 we all type in.com every day, blockchain technology will 718 00:35:50.740 --> 00:35:53.500 eventually be a part of all of our lives. We see offer a mail 719 00:35:53.500 --> 00:35:57.010 using NFT's to attract service history on cars, whether that's 720 00:35:57.010 --> 00:36:00.430 marketing, or whether that's true innovation. It's probably 721 00:36:00.430 --> 00:36:03.070 more marketing. Yeah. But you know, once again, you see that 722 00:36:03.100 --> 00:36:05.980 there's legitimacy in the technology. So it's not 723 00:36:05.980 --> 00:36:08.170 something to just dismiss and throw away, you can't look at 724 00:36:08.170 --> 00:36:11.800 crypto and go, this is garbage. You're being naive three, four 725 00:36:11.800 --> 00:36:13.480 years ago, you could have said that, and that would have been 726 00:36:13.480 --> 00:36:17.170 okay. But now it's you're being naive if you don't recognize the 727 00:36:17.170 --> 00:36:20.620 legitimacy of blockchain tech. Objective, Ledger's that kind of 728 00:36:20.620 --> 00:36:23.920 thing, a place where anybody can go get access to information. 729 00:36:24.190 --> 00:36:27.400 And if it is altered, it can if you can see who altered the 730 00:36:27.400 --> 00:36:32.200 information. Yeah, having access to universal places of data. 731 00:36:32.560 --> 00:36:35.980 It's a no brainer for the finance world open banking be 732 00:36:35.980 --> 00:36:38.650 solved with Blockchain technology. But I think the 733 00:36:38.650 --> 00:36:40.870 people in power are a little bit older, they don't understand the 734 00:36:40.870 --> 00:36:43.510 technology. Government has no idea what's going on with 735 00:36:43.510 --> 00:36:46.270 cryptocurrency and digital assets. So it's a little bit 736 00:36:46.270 --> 00:36:49.180 ahead of its time right now. But I think we'll see 5, 10, 15 737 00:36:49.180 --> 00:36:52.450 years down the road, we will all know what an NFT is, and we will 738 00:36:52.450 --> 00:36:55.450 not have a problem explaining exactly what it is 739 00:36:55.450 --> 00:36:57.588 Sean Murray: You know, what's crazy about the whole thing 740 00:36:57.645 --> 00:37:01.065 about saying it's ahead of its time, and it's so new and all 741 00:37:01.122 --> 00:37:04.656 that stuff that Bitcoin is at this point, like, what, 14 years 742 00:37:04.713 --> 00:37:08.304 old, something something like 14 years old, you think it is now 743 00:37:08.361 --> 00:37:11.724 so it's not that new, right? That's but that's Bitcoin. And 744 00:37:11.781 --> 00:37:15.259 then you have etheorem, which is kind of like the second most 745 00:37:15.316 --> 00:37:18.736 popular, which has been around for less time, but still, you 746 00:37:18.793 --> 00:37:22.384 know, more than more than five years? And I start to wonder, at 747 00:37:22.441 --> 00:37:25.975 what point, do you know at what point do you decide like, Yes, 748 00:37:26.032 --> 00:37:29.452 this is here to stay? Versus No, this is just kind of like a 749 00:37:29.509 --> 00:37:33.043 short term thing. I feel like Bitcoin having survived a decade 750 00:37:33.100 --> 00:37:36.749 and a half, is a good indication of like longevity. Like, that's 751 00:37:36.806 --> 00:37:40.226 even even even if it's had ups and downs, the fact that it's 752 00:37:40.283 --> 00:37:43.760 still there, right. And I think some people, they look at the 753 00:37:43.817 --> 00:37:47.351 price and they draw conclusions about bitcoin's utility, based 754 00:37:47.408 --> 00:37:50.714 on just the the fluctuation of the price, which I think is 755 00:37:50.771 --> 00:37:53.792 incorrect. I think, my own personal opinion, I'm just 756 00:37:53.849 --> 00:37:57.384 talking, but I think that if you just look at the fact that so 757 00:37:57.441 --> 00:38:00.804 many people are still using Bitcoin for whatever purpose it 758 00:38:00.861 --> 00:38:04.224 is, is a good indication of it going to be around for a lot 759 00:38:04.281 --> 00:38:07.758 longer. Also, for those who were already adults, when Bitcoin 760 00:38:07.815 --> 00:38:11.064 came out, we're all thinking about whether or not this is 761 00:38:11.121 --> 00:38:14.770 going to last, versus if bitcoin was part of your life. When you 762 00:38:14.827 --> 00:38:18.361 were a kid. You kind of accepted that being part of the world, 763 00:38:18.418 --> 00:38:22.009 right? It's kind of like, very like it was it's been there your 764 00:38:22.066 --> 00:38:25.657 a crypto native, your a crypto native, it's like, it's hard for 765 00:38:25.714 --> 00:38:29.020 us to believe if something didn't exist 10 years before we 766 00:38:29.077 --> 00:38:32.497 were born, right? And you're like, it's the it was the olden 767 00:38:32.554 --> 00:38:35.747 days, because it existed when you were a kid, right? And 768 00:38:35.804 --> 00:38:39.395 someone tries to tell you like, Well, when I was you know, your 769 00:38:39.452 --> 00:38:42.872 age, I didn't think this whole thing was gonna pan out. Some 770 00:38:42.929 --> 00:38:46.520 people didn't think the internet was gonna pan out. Some people 771 00:38:46.577 --> 00:38:49.940 didn't think computers were gonna pan out. I did, because I 772 00:38:49.997 --> 00:38:53.474 grew up with the internet as a kid, or in computers as a kid, 773 00:38:53.531 --> 00:38:57.009 not not in the not in the very beginning. But when I was like 774 00:38:57.066 --> 00:39:00.429 12, 13, 14, and for me, this was definitely going to be the 775 00:39:00.486 --> 00:39:04.020 future. But for adults, at that age, there was all this. Well, 776 00:39:04.077 --> 00:39:07.269 who knows? You know, how, you know, we have fax machines 777 00:39:07.326 --> 00:39:10.974 already, like, we can go to the library, you know, they were all 778 00:39:11.031 --> 00:39:14.395 kind of hedging their bets and waiting to see if this would 779 00:39:14.452 --> 00:39:17.929 like kind of pan out. But if bitcoin was already a thing, and 780 00:39:17.986 --> 00:39:21.520 I have to you know, I tell kids today that I'm like, we didn't 781 00:39:21.577 --> 00:39:24.826 have cell phones. When we were kids, you couldn't just go 782 00:39:24.883 --> 00:39:28.474 around and take pictures. They can't imagine it right? Like now 783 00:39:28.531 --> 00:39:32.236 you tell them like Oh, we didn't have Bitcoin when we were a kid. 784 00:39:32.293 --> 00:39:35.372 We didn't have cryptocurrency when we were a kid, they 785 00:39:35.429 --> 00:39:38.678 actually can't imagine it. Because they've always they've 786 00:39:38.735 --> 00:39:42.383 always known it was there. Even if they didn't use it. It was it 787 00:39:42.440 --> 00:39:46.088 was already out there. It was it was a thing, right? It existed. 788 00:39:46.145 --> 00:39:49.793 It's like part of the makeup of the world. Like if you were born 789 00:39:49.850 --> 00:39:53.499 maybe I'm maybe I'm just talking too much now. But if you like I 790 00:39:53.556 --> 00:39:57.147 think about this kind of stuff sometimes where humans have this 791 00:39:57.204 --> 00:40:00.453 tendency to accept that which we were we have always been 792 00:40:00.510 --> 00:40:03.759 introduced to, so that if you know, if we were two, three 793 00:40:03.816 --> 00:40:07.122 years old, and you saw people flying in the air, you would 794 00:40:07.179 --> 00:40:10.713 just like people can fly in the air. Yeah. And that's just the 795 00:40:10.770 --> 00:40:14.191 way it is right? And if they told you that, you know, in the 796 00:40:14.248 --> 00:40:17.725 olden days, people couldn't fly in the air like, well, that's 797 00:40:17.782 --> 00:40:21.031 crazy. I mean, they couldn't always fly in the air. And I 798 00:40:21.088 --> 00:40:24.622 think that this, this kind of feeds into this where it's just, 799 00:40:24.679 --> 00:40:28.270 this is how is this is how it's going to be like it is. Once it 800 00:40:28.327 --> 00:40:31.747 happens. It's just the fabric of the world. And humans just 801 00:40:31.804 --> 00:40:35.168 start to accept it, especially if they hear about it from a 802 00:40:35.225 --> 00:40:38.474 very young age. I actually do think about the whole thing 803 00:40:38.531 --> 00:40:41.837 about if we had been born and people flew around the world 804 00:40:41.894 --> 00:40:45.029 kinda like Santa Claus. Yeah, people accept it as true. 805 00:40:45.086 --> 00:40:48.449 Doesn't matter how it works. It's just the way the world of 806 00:40:48.506 --> 00:40:51.983 course it was Santa. He's at Macy's, he's at the mall. That's 807 00:40:52.040 --> 00:40:52.440 right. 808 00:40:52.440 --> 00:40:54.880 Adam Zaki: There's no Bitcoin right now is like a boogeyman to 809 00:40:54.880 --> 00:40:56.860 a lot of people hear about it, but they don't see it. They 810 00:40:56.860 --> 00:40:59.110 don't touch it. They don't interact with it. That's what we 811 00:40:59.110 --> 00:41:01.100 Sean Murray: But if you were like seven, eight years old, so 812 00:40:01.100 --> 00:40:01.300 need. 813 00:41:01.300 --> 00:41:05.780 I was I was following a DAO recently. Yep. And the leader of 814 00:41:05.780 --> 00:41:08.600 the DAO, I found this after like, two or three weeks of 815 00:41:08.600 --> 00:41:11.030 being like, yeah, this dad was so cool. That the leader was 816 00:41:11.030 --> 00:41:15.080 like 16 years old. I was like, you're still in high school, 817 00:41:15.140 --> 00:41:19.250 right? But he had this huge following online. Yeah. Like a 818 00:41:19.280 --> 00:41:23.570 very experienced coder. His coding skills, you know, far 819 00:41:23.570 --> 00:41:29.390 outpaced mine. spoke the lingo, the language. And when I found 820 00:41:29.390 --> 00:41:32.210 out he was a high school kid, how it just blew my mind. 821 00:41:32.270 --> 00:41:36.050 Because to him, this was the normal fabric of the world. 822 00:41:36.080 --> 00:41:39.860 Yeah, right. And here, he was just so fortunate to be a leader 823 00:41:40.070 --> 00:41:43.250 in what he accepts as normal, whereas we're still like, are 824 00:41:43.250 --> 00:41:47.090 these things gonna pan out. Is this just a fad, right? 825 00:41:47.870 --> 00:41:49.880 Adam Zaki: But then, you know, to flip that around, if 826 00:41:49.880 --> 00:41:53.570 everything was to go belly up, that kid that you met would have 827 00:41:53.570 --> 00:41:57.470 no idea what to do? Yeah, for us with experience outside of the 828 00:41:57.470 --> 00:42:01.040 crypto world, we know that this might not work. So in the back 829 00:42:01.040 --> 00:42:03.710 of our minds, you know, I'm not putting all my money into 830 00:42:03.710 --> 00:42:07.670 Bitcoin. But a kid like that probably would might use Bitcoin 831 00:42:07.670 --> 00:42:10.940 as a savings account. Yeah. Which at 18 years old, or 16 832 00:42:10.940 --> 00:42:13.670 years old, it's like the dumbest thing you could do. But there's 833 00:42:13.700 --> 00:42:16.430 a plenty. There's a lot of people out there that are doing 834 00:42:16.430 --> 00:42:19.940 just that. Yeah, that are using crypto using apps like Coinbase 835 00:42:20.210 --> 00:42:24.770 as a savings account, which is no bueno. Definitely not good. 836 00:42:24.810 --> 00:42:27.210 Sean Murray: Yeah. Yeah. There's, there's, there's a flip 837 00:42:27.210 --> 00:42:30.300 side to all of it, right? Yeah. Is that you don't want to buy 838 00:42:30.300 --> 00:42:33.300 into the hype, you want to hedge your bets? Because we've also 839 00:42:33.300 --> 00:42:37.560 seen in our in our lifetimes, things rise, and then crash. 840 00:42:37.620 --> 00:42:42.150 Yeah. And so it's weird. It's also weird how human nature has 841 00:42:42.150 --> 00:42:45.540 like works in cycles, like, home values shoot up, and 842 00:42:45.960 --> 00:42:48.150 everything's amazing. And we're like, the party seems like it 843 00:42:48.150 --> 00:42:51.270 will never end. Yep. And all of a sudden it ends. Yeah. And for 844 00:42:51.270 --> 00:42:54.300 the, for the young person, they it's like this, like earth 845 00:42:54.300 --> 00:42:57.210 shattering moment of, I can't believe this happened. Whereas 846 00:42:57.210 --> 00:42:59.670 someone who's been around for several decades, is like, this 847 00:42:59.670 --> 00:43:02.730 always happens. This is what I was saying, Yep, of course, this 848 00:43:02.730 --> 00:43:03.660 was gonna happen, right? 849 00:43:03.660 --> 00:43:05.490 Adam Zaki: But then that kid will turn into that guy, and 850 00:43:05.490 --> 00:43:07.350 then something new will come along. And the cycle just 851 00:43:07.380 --> 00:43:09.900 Sean Murray: Just continues, continues with everything. But 852 00:43:09.900 --> 00:43:13.410 then, but along the way, we still adopt new things like the 853 00:43:13.410 --> 00:43:16.350 internet, just like became part of the fabric of like the world. 854 00:43:16.950 --> 00:43:22.050 And I have to think that things like Bitcoin, will, will too, 855 00:43:22.170 --> 00:43:25.200 which is why we still write about it, and why we still talk 856 00:43:25.200 --> 00:43:29.580 about it. And it's because for me personally, it's because 857 00:43:29.580 --> 00:43:33.210 there is an underlying utility to Bitcoin, I do not care about 858 00:43:33.210 --> 00:43:36.510 the price. That's the least important thing to me. If 859 00:43:36.510 --> 00:43:39.930 Bitcoin was just an asset that you could trade, we wouldn't be 860 00:43:39.930 --> 00:43:42.780 writing about it. If that's if that's what it was. To me. We 861 00:43:42.780 --> 00:43:44.880 wouldn't write about it because we're not here to write about, 862 00:43:44.910 --> 00:43:47.250 you know, Wall Street trading. That's just not what we write 863 00:43:47.250 --> 00:43:51.240 about. Bitcoin is about being able to move money outside the 864 00:43:51.240 --> 00:43:52.140 banking system. 865 00:43:52.140 --> 00:43:55.000 Adam Zaki: That's it, we're deBanked it's a no brainer, 866 00:43:54.990 --> 00:43:57.430 Sean Murray: You have to write about it. Yeah. Right. It's 867 00:43:57.480 --> 00:44:00.566 impossible to ignore the ability to move money outside of 868 00:44:00.620 --> 00:44:03.382 banking. And I think that for those who work in the 869 00:44:03.436 --> 00:44:06.793 complicated world of finance, they see the value of being able 870 00:44:06.847 --> 00:44:10.204 to do that too. Because once you reach a certain level in your 871 00:44:10.258 --> 00:44:13.615 life, you realize that it can be difficult being restricted by 872 00:44:13.669 --> 00:44:16.863 banks, but also even if even if you haven't gotten there if 873 00:44:16.917 --> 00:44:20.220 you're the underserved people talk about the underserved too. 874 00:44:20.274 --> 00:44:23.631 They don't have a bank account. Lots of people don't have bank 875 00:44:23.685 --> 00:44:26.880 accounts, they rely on like payday loans like the the check 876 00:44:26.934 --> 00:44:30.074 cashing place, cash only cash under the mattress, all that 877 00:44:30.128 --> 00:44:33.322 other stuff. In here, all of a sudden Bitcoin provides that 878 00:44:33.377 --> 00:44:36.625 opportunity to hold on to money outside of banking, transfer 879 00:44:36.679 --> 00:44:40.036 money to someone else outside of banking, right? Yeah, you say 880 00:44:40.090 --> 00:44:43.610 well, you can buy visa you know, debit cards at the store and all 881 00:44:43.664 --> 00:44:47.129 that stuff. Yeah, I guess maybe. But you know what, who controls 882 00:44:47.183 --> 00:44:50.540 that debit card at any point, you know, Visa, whatever, it can 883 00:44:50.594 --> 00:44:53.843 just erase the balance, freeze the car, whatever. Yeah. This 884 00:44:53.897 --> 00:44:57.308 says you are the owner of that money and you can transfer it to 885 00:44:57.362 --> 00:45:00.610 whoever you want. And I think if you look at the global, you 886 00:45:00.665 --> 00:45:03.697 know, the global landscape. There's a lot of things that 887 00:45:03.751 --> 00:45:06.999 governments say they don't want you to do. You can't do they 888 00:45:07.053 --> 00:45:10.518 have questions about what you're doing. Like if you, if you have 889 00:45:10.573 --> 00:45:13.605 family back home in another country and you want to send 890 00:45:13.659 --> 00:45:16.691 them some money, they're like, who are they? Why are you 891 00:45:16.745 --> 00:45:19.885 sending it? You can't send it. Let me look into why you're 892 00:45:19.939 --> 00:45:23.188 sending your just like, you know, they're like, Well, I just 893 00:45:23.242 --> 00:45:26.491 want to send my family money. Bitcoin is cure for that. It's 894 00:45:26.545 --> 00:45:29.360 not. It's not like it's anonymous, but allows you to 895 00:45:29.414 --> 00:45:32.555 make the transaction without anyone saying that you can't. 896 00:45:32.609 --> 00:45:35.478 And this is going to be something that the world sees 897 00:45:35.532 --> 00:45:38.998 value in, I think forever, which in my opinion, is why you and I 898 00:45:39.052 --> 00:45:42.030 are still going to be writing about crypto and Bitcoin. 899 00:45:42.030 --> 00:45:45.060 Adam Zaki: I think that we got the idea of Bitcoin. Yeah, 900 00:45:45.090 --> 00:45:48.630 representing the entire blockchain is no good. That's 901 00:45:48.630 --> 00:45:51.000 true. I think we need to and you're not the only person that 902 00:45:51.000 --> 00:45:53.880 does this. I do it too where instead of like, when we talk 903 00:45:53.880 --> 00:45:57.000 about the blockchain, we use the word Bitcoin. We need to use the 904 00:45:57.000 --> 00:46:00.300 word blockchain. That's true, because that's where the value 905 00:46:00.300 --> 00:46:03.420 lies. Bitcoin is just another coin. It goes like this. The 906 00:46:03.420 --> 00:46:06.030 blockchain is the fundamentals. It's like if you're talking 907 00:46:06.030 --> 00:46:09.480 about baseball, not just going to talk about the Yankees. Well, 908 00:46:09.480 --> 00:46:12.120 about baseball. Well, well you're in New York, my point is, 909 00:46:12.330 --> 00:46:15.750 is that bitcoins just a part of the entire process. And then 910 00:46:15.780 --> 00:46:20.160 people just focus on Bitcoin as blockchain technology, which is 911 00:46:20.190 --> 00:46:22.920 so far from the truth. And if you really look into what 912 00:46:22.920 --> 00:46:27.240 blockchain technology is, the between flash and Ledger's I 913 00:46:27.240 --> 00:46:31.050 mean, we've written about it. It's truly the value is 914 00:46:31.080 --> 00:46:34.230 limitless, you know, it's not leveraged and whoever does is 915 00:46:34.230 --> 00:46:35.850 gonna make a boatload of cash. 916 00:46:36.200 --> 00:46:39.260 Sean Murray: Yeah, once they capitalize on the utility aspect 917 00:46:39.260 --> 00:46:43.820 of it, you know, I we look at what Jack Dorsey is doing over 918 00:46:43.820 --> 00:46:46.430 at square which is now block. Yep. And he's known as like a 919 00:46:46.430 --> 00:46:49.400 Bitcoin Maxy. Because Bitcoin, you were talking about 920 00:46:49.400 --> 00:46:52.430 blockchain. You were saying it's one, it's about blockchain. You 921 00:46:52.430 --> 00:46:55.730 had Jack Dorsey saying no, it's about Bitcoin. But Jack Dorsey 922 00:46:55.730 --> 00:47:01.010 is a smart person. Really smart, right? And he's kind of gone all 923 00:47:01.010 --> 00:47:04.190 in on the concept of Bitcoin. And sure, his firm makes a lot 924 00:47:04.190 --> 00:47:08.600 of money off of selling stuff. But I think ultimately, he 925 00:47:08.600 --> 00:47:11.570 recognized he's sort of he's kind of like the anarchist, you 926 00:47:11.570 --> 00:47:15.050 know, like, like, you know, segment of Silicon Valley of 927 00:47:15.050 --> 00:47:17.120 tech you know what I mean, you know, what I mean? Like, anti 928 00:47:17.120 --> 00:47:19.970 this anti that, you know, with the big beard and all and all 929 00:47:19.970 --> 00:47:25.670 that other stuff, right? He, he, though, is very smart. And I 930 00:47:25.670 --> 00:47:29.510 like watching and seeing what he's doing what he's saying, 931 00:47:29.540 --> 00:47:33.860 even if I sometimes don't agree with it. Because I think he is 932 00:47:33.860 --> 00:47:37.700 right on the part that this stuff is not going to go away. 933 00:47:37.940 --> 00:47:41.060 And when people are like, why are you writing about this 934 00:47:41.060 --> 00:47:45.050 stuff, you know, in a world of like lending, it's because well 935 00:47:45.080 --> 00:47:48.410 so many people for years in lending have been trying to 936 00:47:48.410 --> 00:47:51.230 figure out how can we get money to people the fastest? How can 937 00:47:51.230 --> 00:47:54.500 you get money to people that, you know, the cheapest, and 938 00:47:54.500 --> 00:47:58.310 payments is inevitably tied into lending. No matter what I've 939 00:47:58.310 --> 00:48:01.490 heard about it nonstop for more than a decade. We're going to 940 00:48:01.490 --> 00:48:04.160 use the credit card processing to take a percentage we need to 941 00:48:04.310 --> 00:48:08.540 ACH the account. Next ACH isn't enough. We need to do same day 942 00:48:08.540 --> 00:48:11.420 ACH. And the problem with ACH is that once you do the ACH, it 943 00:48:11.420 --> 00:48:13.880 takes five days to clear the ACH we need to figure out a new way 944 00:48:13.880 --> 00:48:16.340 to do the payment. It's a whole thing. Yeah. All you people 945 00:48:16.340 --> 00:48:18.620 worrying about payments all day long. And then someone comes in 946 00:48:18.620 --> 00:48:20.390 says, Hey, you can do this for payments. Why you talking about 947 00:48:20.390 --> 00:48:24.170 payments? You know, why? What is this? Right? We're like we're 948 00:48:24.170 --> 00:48:27.410 lending companies. I don't want to hear about payments. Sorry, 949 00:48:27.440 --> 00:48:32.690 this is payments. It's a no, the massively disruptive part of 950 00:48:32.690 --> 00:48:35.420 payments, that I think that everyone needs to pay attention 951 00:48:35.420 --> 00:48:38.060 to. No matter what part of finance you're working, 952 00:48:38.300 --> 00:48:41.210 especially in lending. Yeah, there's already somebody in this 953 00:48:41.210 --> 00:48:43.760 industry in this particular small business finance industry 954 00:48:43.760 --> 00:48:48.050 who's already using crypto as a way to fund businesses 955 00:48:48.110 --> 00:48:51.320 instantly. Yup, that person that business owners like, that's 956 00:48:51.320 --> 00:48:53.690 great that you can ACH me tomorrow, I need the money right 957 00:48:53.690 --> 00:48:57.440 now. Or I'm talking to three of your competitors first person to 958 00:48:57.440 --> 00:48:59.960 get get me the money is the winner I'll signed that 959 00:48:59.960 --> 00:49:04.280 contract. You can what are you gonna be like, Well, no, I don't 960 00:49:04.280 --> 00:49:08.360 like crypto so and then the person was crypto just like, I 961 00:49:08.360 --> 00:49:11.240 win. Yep. There's that value in that value 962 00:49:11.240 --> 00:49:13.610 Adam Zaki: Too. Especially talk about the approval process. You 963 00:49:13.610 --> 00:49:16.220 got a merchants credit sucks. You got a foreigner credit 964 00:49:16.220 --> 00:49:20.060 score, but on the blockchain, and then they borrow money and 965 00:49:20.060 --> 00:49:23.150 pay back well, and they have a blockchain as credit score. You 966 00:49:23.150 --> 00:49:25.730 could justify funding them. That's true. You know, so 967 00:49:25.730 --> 00:49:28.040 there's, there's so many different ways that lenders can 968 00:49:28.040 --> 00:49:32.000 utilize this. And I know that the buzzwords Bitcoin, crypto, 969 00:49:32.030 --> 00:49:35.540 NFT they're sick of it. But they just they got to take their 970 00:49:35.540 --> 00:49:37.520 lender hat off and put their learning hat on 971 00:49:37.580 --> 00:49:40.220 Sean Murray: And take out the whether or not the number is 972 00:49:40.220 --> 00:49:43.640 going up aspect. They'll go well bitcoin is down. Now this crypto 973 00:49:43.640 --> 00:49:46.940 is down now. That's not what crypto is. And that's not why we 974 00:49:46.940 --> 00:49:47.540 write about it. 975 00:49:47.570 --> 00:49:49.370 Adam Zaki: No, not at all. I don't care about the value of 976 00:49:49.370 --> 00:49:53.570 any coin. You know, I mean, in my deBanked life, the money in 977 00:49:53.570 --> 00:49:55.670 crypto a little bit. Yeah, but but in terms of 978 00:49:55.790 --> 00:49:58.940 Sean Murray: Not enough for him to be conflicted. Not at all, 979 00:49:59.000 --> 00:50:03.590 Adam Zaki: So my point is is like, I think that the value is 980 00:50:03.590 --> 00:50:03.600 less than $100 981 00:50:03.600 --> 00:50:06.650 not in the coins. It's not in the up and down. Don't look at a 982 00:50:06.650 --> 00:50:09.320 graph read. That's how you should read. That's how you 983 00:50:09.320 --> 00:50:11.540 should learn about blockchain technology. Forget about the 984 00:50:11.540 --> 00:50:15.440 graphs, forget about the values, read and watch videos of people 985 00:50:15.440 --> 00:50:17.210 explaining it. That's how I learned 986 00:50:17.210 --> 00:50:20.060 Sean Murray: The utility of it. The utility of it now, what 987 00:50:20.060 --> 00:50:23.120 about what's gonna go up? You know, like, what did I do get 988 00:50:23.120 --> 00:50:25.640 that question. So on, you know, it seems like you know, about 989 00:50:25.640 --> 00:50:28.490 crypto, which one should I buy? Which one's going up? Like, 990 00:50:28.910 --> 00:50:30.320 yeah, that's just give up. Now. 991 00:50:30.350 --> 00:50:32.090 Adam Zaki: That's like asking, that's like asking somebody, 992 00:50:32.090 --> 00:50:33.110 what stock should I buy? 993 00:50:33.110 --> 00:50:36.030 Sean Murray: It's the exact same exact sentence, it's the exact 994 00:50:36.030 --> 00:50:41.070 same. No there's utility to it. And once once people realize 995 00:50:41.070 --> 00:50:45.360 what the utility is, and how they can capitalize on that 996 00:50:45.360 --> 00:50:48.720 utility in whatever business they're in, in finance, or 997 00:50:48.720 --> 00:50:52.290 whatever it is, that's when that's when you'll be able to 998 00:50:52.290 --> 00:50:57.060 really make a difference and continue your business for the 999 00:50:57.060 --> 00:51:03.270 long term. 100%. So, Adam, you know, I'm not gonna let you boil 1000 00:51:03.270 --> 00:51:06.720 in here. It's getting a little hot. Good lights in here though, 1001 00:51:06.750 --> 00:51:08.760 we got good lights, it's bright in here, but it's getting a 1002 00:51:08.760 --> 00:51:12.780 little hot. So if you were wondering Who is Adam Zaki, and 1003 00:51:12.780 --> 00:51:14.460 you didn't meet him at Broker Fair, and you've seen his 1004 00:51:14.460 --> 00:51:17.430 stories, you seen him post on LinkedIn, he's a real person. 1005 00:51:17.480 --> 00:51:21.380 Adam Zaki: I'm really 100% real, not an NFT. He's not an asset. 1006 00:51:21.410 --> 00:51:22.190 I'm 100% real. 1007 00:51:22.230 --> 00:51:25.020 Sean Murray: He's a real person. He's not remote. He works here 1008 00:51:25.020 --> 00:51:27.720 in our office in Brooklyn. He's from Long Island. He likes 1009 00:51:27.720 --> 00:51:30.810 journalism. He likes finance. And he wants to hear your 1010 00:51:30.810 --> 00:51:34.530 stories. And, you know, I learned from the things that 1011 00:51:34.590 --> 00:51:38.760 that you bring to me, you know, I mean, so he wants to hear from 1012 00:51:38.790 --> 00:51:40.440 all of you out there. How can they reach you 1013 00:51:40.480 --> 00:51:44.290 Adam Zaki: Feel free email me adam@debanked.com obviously find 1014 00:51:44.290 --> 00:51:48.130 me on LinkedIn Adam Zaki, eight letters of my name not that hard 1015 00:51:48.130 --> 00:51:51.100 to spell. Look me up. Message me. If you have something that 1016 00:51:51.100 --> 00:51:54.250 you think is newsworthy, please message me, I can't promise you 1017 00:51:54.250 --> 00:51:56.650 that it's going to be newsworthy to us. A lot of you guys have 1018 00:51:56.650 --> 00:51:59.590 announcements that make your company sound great. But people 1019 00:51:59.590 --> 00:52:02.290 outside your company might not find that as valuable. So if you 1020 00:52:02.290 --> 00:52:04.300 think that you have something that everybody will find 1021 00:52:04.300 --> 00:52:06.340 valuable, please, message me. 1022 00:52:07.410 --> 00:52:09.836 Sean Murray: That's all it is. That's all it takes. If you're 1023 00:52:09.887 --> 00:52:12.971 wondering if it's something he would be interested in hearing 1024 00:52:13.021 --> 00:52:16.055 about. You're not going to know until you actually reach out 1025 00:52:16.105 --> 00:52:19.139 please don't be shy. 100% and we're gonna see you down in in 1026 00:52:19.189 --> 00:52:20.100 Miami. Am I right? 1027 00:52:20.160 --> 00:52:22.479 Adam Zaki: I will be there. Okay. Yeah, march 24. Let's see 1028 00:52:22.527 --> 00:52:25.572 our events teams going to make sure we get this right. Yeah, it 1029 00:52:25.620 --> 00:52:27.360 is. deBankedmiami.com. Am I correct? 1030 00:52:27.450 --> 00:52:32.190 Sean Murray: Your right, it's deBankedmiami.com. 1031 00:52:32.220 --> 00:52:34.710 Adam Zaki: Jesse, and Andrew are gonna be around of applause out 1032 00:52:34.710 --> 00:52:36.953 Sean Murray: Yeah. Okay. Everyone out there. I don't hear 1033 00:52:37.007 --> 00:52:40.162 I don't actually hear any clapping. But um, I know they're 1034 00:52:40.216 --> 00:52:41.250 clapping in spirit. 1035 00:52:41.399 --> 00:52:44.063 Adam Zaki: Oh, I hear it. Yay, guys. Okay, yeah. So yeah. 1036 00:52:44.121 --> 00:52:47.539 deBankedmiami.com. March 24. I'll be there in Miami. Really 1037 00:52:47.596 --> 00:52:50.609 excited to play golf too somebody's looking. to play 1038 00:52:50.666 --> 00:52:51.420 golf, please. 1039 00:52:51.990 --> 00:52:54.188 Sean Murray: You could play golf with a deBanked reporter. You 1040 00:52:54.232 --> 00:52:57.104 could play golf with me and you can you can fill him up with all 1041 00:52:57.148 --> 00:52:59.795 your with all your fanciful tales about your greatness, and 1042 00:52:59.840 --> 00:53:01.590 convince him to write a story about you 1043 00:53:01.590 --> 00:53:03.859 Adam Zaki: 100% and if you think you have something newsworthy 1044 00:53:03.904 --> 00:53:06.485 what's better than a couple of weeks on the golf course to 1045 00:53:06.529 --> 00:53:09.110 pitch it. So, come, let's play golf. We'll hang out Miami. 1046 00:53:09.155 --> 00:53:11.736 messaged me. I'll be happy to hear from anybody who thinks 1047 00:53:11.780 --> 00:53:13.650 that they have stuff that's worth my time. 1048 00:53:14.220 --> 00:53:15.840 Sean Murray: Alright, Adam, thank you for joining me here 1049 00:53:15.840 --> 00:53:17.370 today in the deBanked studio. 1050 00:53:17.399 --> 00:53:18.509 Adam Zaki: Thank you so much for having me. 1051 00:53:18.690 --> 00:53:21.388 Sean Murray: Maybe we'll have you again. I hope so. Okay. All 1052 00:53:21.444 --> 00:53:24.761 right, everybody from deBanked TV. I'm Sean Murray. And I'm 1053 00:53:24.817 --> 00:53:25.380 Adam Zaki.