The Culture Matters Podcast

"Efficiency is doing things right. Effectiveness is doing the right things." - Peter DruckerWe are giving you two guests for the price of one on today's episode of The Culture Matters Podcast in the form of long-time friend Tony Capullo and new friend Evan Rumbaugh of South Fork Business Ventures. Our triple threat conversation is taking us into what South Fork Business Ventures is and what services and values it provides, the fact that, in theory, anyone can be an entrepreneur, but it takes a certain kind of drive and mentality to achieve it, and the importance of having people around you who truly have your back. Two guests means twice the fun and we hope you enjoy this conversation with Tony Capullo and Evan Rumbaugh.

"Attitude. Communicate with our Guardian values and not with selfish desires. Think long-term. Attitude."Robert Frehafer is the owner and founder of Guardian Roofing & Siding and a dear friend of The Culture Matters Podcast and he is back today to talk to us about the "A" in Guardian. That "A" stands for attitude and Jay and Robert are discussing what that means within the pantheon of Guardian values. The attitude is of self-awareness, self-improvement, and making the business better through actions and communication both internally and with the clients. Always strive for improvement and have the attitude that today is going to be a good day for you and the business. We hope you enjoy this conversation with Robert Frehafer.

"You are always at the mercy of your own deceptions." - Nathan MerrillPhilosopher and artisan contractor with Vision Stone and Tile Nathan Merrill joins us on the show today and just when we thought we had reached the pinnacle of deep conversation, Nathan returns and sets the bar a little higher...again. Nathan and Jay discuss the eclectic path that Nathan has taken to get to where he is today, the theological meaning to a sense of self and to being one, and what finding the transcendent next steps on our path actually looks like. We have got some serious outside of the box thinking and discussion going on today, so open your minds and get ready for a deep dive on this episode of The Culture Matters Podcast.

"The things we dislike in others are the characteristics we like least in ourselves. Carl Jung said, 'Everything that irritates us about others can lead us to an understanding of ourselves.'" - Christine BeckwithChristine Beckwith is the founder of 20/20 Vision for Success and the author of Finding Honor: The Journey to Truth and we have her back on the show to continue our discussion on her book. Today, we are discussing chapter eight entitled "Reflected Hate". Christine talks with Jay about his personal ties to the book being written and why she felt that it was a book she had to do. We get into the trust that develops around people who refrain from gossiping, feeling completely out of place in certain situations and the affect that can have on someone, and even into a deeply personal chapter in Christine's own life. We hope you've been keeping up with this series because this book was meant to help and we sincerely hope these conversations with Christine Beckwith have been helping you.

“Do every act of your life as though it were the very last act of your life.” - Marcus AureliusThe founder of New Roofs Inc., My New Floors, and the creator of I.C.E. Cold Confidence Josh Shaw is on the program today and it is going to be a good one! Josh and Jay unpack Josh's journey into his current entrepreneurial endeavors, why he feels that you should never let the market dictate your business, and what true desire and passion can lead to. Josh didn't start off as the man he is today, but through working hard and keeping his eye on the prize, he has turned himself into a success story who is now in the business of serving others. Josh has an inspiring story and we hope it will inspire you on this episode of The Culture Matters Podcast.

"'Bed Head' is the title of this chapter because I believe this is where we are close to our souls, our hearts and mind, and our spiritual vision. The release of the day found in our beds is where our souls take flight, where we heal our brokenness, and where we retreat to safety. To this day, if I am sad, hurting, or sick I retreat to my bed to rest, to contemplate, and to escape. Bed: the place where the vision of my most significant accomplishments were born." - Christine BeckwithChristine Beckwith is the founder of 20/20 Vision for Success and the author of Finding Honor: The Journey to Truth and if you've been following along with this series then it should come as no surprise that we are discussing chapter seven of Christine's book entitled "Bed Head". Christine takes Jay through her thought-process on writing this chapter, where the inspiration came from, and why this chapter has so much significance. Lying in bed can be a place where your most significant thoughts take place, both good and bad, when you are unencumbered by anything but your sheets and pillows. While not the lightest chapter of the book, "Bed Head" provides some real insight into some heavy thoughts and feelings.

"Invest in a business any fool can run, because someday a fool will. If it won't stand a little mismanagement, it's not much of a business. We're not looking for mismanagement, even if we can withstand it." - Charlie MungerFinancial consultant and advisor Gary Nash makes his triumphant return to the show and in this discussion we will be focusing mostly on the late, great Charlie Munger. His contributions to the world of finance are immeasurable and he stood as a mentor and someone to be looked up to by many in and out of that space. Gary and Jay dissect a few of his quotes and discuss his legacy and contributions over a truly legendary career. We hope you enjoy this conversation with Gary Nash and the life and legacy of Charlie Munger.

"Acquire worldly wisdom and adjust your behavior accordingly. If your new behavior gives you a little temporary unpopularity with your peer group, then to hell with them." - Charles MungerThis episode of The Culture Matters Podcast is one where we are celebrating! Our good friend and the Chief Lending Officer and partner at EPM Kevin DeLory is back on the program and we are here to talk about his recent fight with and win over cancer! Kevin and Jay are going to go through Kevin's battle and how he has changed and how his mentality has changed since coming out on the other side, about how the love and support from his friends and family and work family were the cornerstones of his recovery, and even after all he has been through, he is still thinking about growing the business. Kevin DeLory beat cancer, ladies and gentlemen, and there isn't much we can say here that expresses our happiness. Please enjoy this celebratory episode of The Culture Matters Podcast!*This episode was recorded in November of 2023 and since then we learned that Kevin will go on for a second battle that he is sure to overcome...nobody is stronger than Kevin on this journey.*

"Plans are only good intentions unless they immediately degenerate into hard work." - Peter DruckerGreg Rushin is a real estate entrepreneur, life coach, and founder of Rush-In Motivation and if you read the title of this episode, we want you to know we are not lying. Interspersed between conversation topics around accountability and motivation and morale, Greg and Jay do 100 pushups. We are practicing what we preach on today's episode, so if you're looking to start making a better life for yourself, listen to what Greg has to say and start doing those pushups.

"If I can be optimistic when I'm nearly dead, surely the rest of you can handle a little inflation." - Charlie MungerIf the expression "never a dull moment" had a poster child, it would be today's guest. Michael Allosso, acclaimed public speaker, self-awareness expert, and director, has joined us for another chat and this man certainly brings the energy! The roadmap for this conversation has a lot of twists and turns and it goes from giving someone a "livogy" to traits great leaders should possess to why showing love is so important and several points in between. There are a lot of laughs and a lot of poignant moments in today's episode, so we hope you enjoy this conversation with the one and only Michael Allosso.

"Character is higher than intellect. A great soul will be strong to live as well as strong to think." - Ralph Waldo EmersonOne of the realest real estate professionals in the game and a mentor to many Jeff Silva makes his triumphant return to The Culture Matters Podcast today and we are talking about, what else, real estate! Jeff is giving some real talk on the current state of the real estate game including some hard truths about not all real estate agents being created equal, creating the "why" so that people understand why things are done a certain way, and the value of practicing your craft especially when it comes to using the phone. We always enjoy having Jeff on the show and hope you enjoy this conversation with Jeff Silva.

"Unless commitment is made, there are only promises and hopes, but no plans." - Peter DruckerThe founder of Duffin Media and Duffin Coaching John Duffin is back on the show and there is never a dull moment when this guy comes around. Today, John shares his thoughts on podcasts and why they are such a valuable tool, why being prepared is a practice that everyone should engage in, and how, even when someone is doing an excellent job at something, there is always room to tighten up. Trust us when we tell you that this is not an episode to be missed with the one and only John Duffin.

"Never yield to force. Never yield to apparently overwhelming might of the enemy." - Sir Winston ChurchillBill Mervin is the leader of the Bill Mervin Mortgage Team and he's back on the show today to talk mortgages and culture with Jay. Jay and Bill discuss the importance of standing on one's convictions even through times of change and uncertainty, providing the best possible experience for your customer both from a service and deal perspective, and why it is still a good time to invest in real estate even in today's unruly market. There is reason that Bill is a staple on The Culture Matters Podcast and he proves it once again on today's episode!

"It is impossible to suffer without making someone pay for it. Every complaint already contains revenge." - Friedrich NietzscheWe are back today with the founder of South Fork Business Ventures Tony Capullo as he continues his series where he takes over hosting duties and interviews the interviewer, Jay Doran. Our topic for the day is The Culture Matters Podcast. Tony and Jay discuss the impact the show has had on Jay and the business of Culture Matters, who and why the guests are chosen, and the relationships that hosting a podcast can and has created for Jay. We're peeking behind the curtain yet again and giving our listeners a little insight into the making of The Culture Matters Podcast.

"The highest result of education is tolerance." - Helen KellerOur guest on the show today is the leader of the DeNicola Foundation, Humanitarian Program Manager for Cosmo DeNicola Companies, Vice-Chair on the Board of Directors at The Humpty Dumpty Institute, a philanthropist, and all around awesome human being, Morgan DeNicola. Morgan's humanitarian work has taken her all over the world in the pursuit of bringing people together and helping those who are in need. From meetings with The Pope to working at an orphanage with Buddhist monks in the middle of Africa, Morgan is the embodiment of selfless giving and service to others. Jay and Morgan unpack some of her work, the work she does with and on behalf of her father and his companies, and what it takes to bring diametrically opposed people together in a place of mutual respect. We couldn't be happier to have Morgan on the program today and we hope her message of togetherness, tolerance, and understanding resonates as powerfully with you as it did with us.

"Knowing is not enough, we must apply. Being willing is not enough, we must do." - Leonardo da VinciReal estate entrepreneur Brian Meara joins us on the show today from Northern Italy in what might just be the very first (not counting Canada) international episode of The Culture Matters Podcast! Brian unpacks his story from where he started to where he is now, talks with Jay about work ethic, raising triplets, and how he still doesn't know what he wants to be when he grows up. Brian is a wonderful storyteller and a man who knows the value of not taking yourself or life too seriously. We've got a fun episode on tap today and we hope you enjoy this conversation with Brian Meara!

"Pessimism leads to weakness; optimism to power." - William JamesOur guest today needs no introduction, but we are going to give him one anyway! The founder of EPM and dear friend of the Culture Matters family Eddy Perez is back with us today and we are going to be talking about leadership. Eddy and Jay talk about the power of optimism, good leaders maintaining a consistent persona inside and out of the workplace, earning respect through action, and why Eddy starts his New Year's resolutions in the middle of December. If you want to learn to be a leader, there are few people better to learn from than Eddy Perez!

"Action may not always bring happiness, but there is no happiness without action." - William JamesAuthor, musician, mortgage professional, and host of the "Laugh, Lend, and Eat" podcast Fobby Naghmi is back for another go around on The Culture Matters Podcast. Today's conversation never sits still for long, so buckle up! Jay and Fobby are discussing the true value of taking action to provide the results you want, the transformation of mind, body, and spirit when you are truly getting enough sleep, and how change is inevitable and how ultimately the choices you make are responsible for those changes. Fobby is a very interesting guy with a lot of great views and insights and we hope you enjoy this conversation with the one and only Fobby Naghmi.

"We built everything as if we were a 50 person company." - Brian HessFounder of The Pavement Group, Top Contractor School, and the host of "The Brian Hess Show" Brian Hess is back on the program like he never left! In today's conversation, Jay and Brian are talking about the vision that was required that helped Brian build his company, hiring the right people that will make your company better in just a few months, and that leaders don't have to be at the top of the pyramid, but can be leaders from entry-level positions. It's always a good day when Brian Hess is on the show, so enjoy this latest conversation on The Culture Matters Podcast.

"He who fights with monsters should look to it that he himself does not become a monster." - Friedrich NietzscheChristine Beckwith is the founder of 20/20 Vision for Success and the author of Finding Honor: The Journey to Truth and she is here today to continue the ongoing series where we are breaking down her book chapter by chapter. Today's focus is on chapter six entitled "Living in Ruins". Christine and Jay break down why being completely honest in this book was so important, her personal journey that was the inspiration for the chapter, the damages that can be caused by being taken advantage of. If you've been following this series, this is definitely an episode you aren't going to want to miss.

"This is the lesson: never give in. Never give in. Never, never, never, never in nothing, great or small, large or petty; never give in except to convictions of honor and good sense." - Sir Winston ChurchillFounder and President of Unplugged Influence Inc. Raphael Mavi is back on the show today and we're covering some subject matter that deviates from our normal discussions. Raphael is one who is unafraid of sharing his thoughts on current events online and we are digging in to the why of his approach. From the COVID-19 pandemic to the conflict between Israel and Hamas, Raphael lets his positions be known. Having dealt with persecution and bigotry in his own life, Raphael decided not to be quiet any longer when he had a platform to further his message. This is not our normal episode, but it is an important one, so please have a listen to this conversation with Raphael Mavi.

"Good character is not formed in a week or a month. It is created little by little, day by day. Protracted and patient effort is needed to develop good character." - HeraclitusNikki Bagby is the Marketing Manager at UnitedHealthcare Plan of Pennsylvania and the Chief External Officer of Noth10 Philadelphia and we could not be more excited to make her first appearance on the show! Nikki discusses with Jay about the importance of understanding community dynamics, her work helping disenfranchised and at risk youth in her Philadelphia neighborhood before becoming involved with any organization, and the reality of the existence of poverty and hate and that the real work is in diminishing those things to the best of our ability. Nikki is an absolute bright light in this world and we hope that you enjoy this conversation!

"Questions are taken for granted rather than given a starring role in the human drama. In all my teaching and consulting experience has taught me that what builds a relationship, what solves problems, what moves things forward is asking the right questions." - Edgar ScheinJosh Klaris is a teacher, principal, champion of the reinvigoration of education, and the executive director of North10 Philadelphia and he is joining us on the show to talk about his area of expertise in education. Josh talks with Jay about the value of asking questions as an educator to encourage students to follow the path of learning, the barriers of poverty and the effects that it can have on someone growing into adulthood, as well as the work North10 is doing to further education in Philadelphia. Josh has spent his life serving as an educator and there are few professions more critical to mentoring the mentors of tomorrow than teaching, so we hope you learn a few things in this conversation with Josh Klaris.

“Nietzsche was the one who did the job for me. At a certain moment in his life, the idea came to him of what he called "the love of your fate". Whatever your fate is, whatever the hell happens, you say, "This is what I need". It may look like a wreck, but go at it as though it were an opportunity; a challenge. If you bring love to that moment, not discouragement, you will find the strength is there. Any disaster you can survive is an improvement in your character, your stature, and your life. What a privilege. This is when the spontaneity of your own nature will have a chance to flow. Then, when looking back at your life, you will see the that moments which seemed to be great failures followed by wreckage, were the incidents that shaped the life you have now. You will see that this is really true. Nothing can happen to you that is not plausible, even though it feels and looks in the moment like a negative crisis, it is not. The crisis throws you back, and when you are required to exhibit strength, it comes.” - Joseph CampbellLending and mortgage professional with Paramount Residential Mortgage Group Jimmy Delay is dropping by the show today to talk a little shop! Jimmy talks about not viewing failure as a bad thing, but more of a way to test your resolve and to teach you how succeed by seeing what the other side looks like. We're also going down the rabbit hole on what mortgage lending looks like in today's economy, what it feels like to have true support from a company, and Jimmy's connection to Jay's book Thirty Days of Thought. There's a lot to unpack today and we hope you'll enjoy this conversation with Jimmy Delay.

“Excellence is never an accident. It is always the result of high intention, sincere effort, and intelligent execution.” - AristotleCEO of K&L Industries and the Chairman of the Board of Top Contractor School Keith L. Callaway Jr. is on the show today and it has been a long time coming! Jay and Keith are discussing how performing difficult tasks in your personal life will translate into your professional life and endear you to your team as a leader, the importance of having a good handle on your finances when starting up a business, and not being afraid to delegate to the people on your team who have the experience. It is important for leaders and especially those at the very top to trust that they have the right people in the right places to handle things and while it takes time, it is a vital part of success. We loved having Keith on the show so please enjoy this episode of The Culture Matters Podcast!

“As it takes 150 years for a Copper Beech Tree to mature, plant today, because there is no time to waste.” - James E. Hughes Jr.Our guest on the show today is an asphalt and pavement expert with over 30 years in the business and the owner of Laurel Asphalt John Rugg and he is here to drop some knowledge for our listeners! John and Jay discuss John's journey from a starter on the University of Maryland (go Terps!) football team to an entrepreneur in the paving and asphalt space. We're also discussing genuinely caring about your customers, paying attention to the little details and educating customers, and what it looks like when you bring one of your children into the business. John has a great way of telling stories and we hope you enjoy listening to him as much as we enjoyed talking with him.

“I think that a life properly lived is just learn, learn, learn all the time.” - Charles MungerFounder of Big Think, advisor, consultant, and true mortgage professional Ruth Lee joins us of the podcast today to take us through her entrepreneurial journey. Ruth talks with Jay about how her mother's own entrepreneurial journey gave her a perfect role model for a woman in that space, her strong faith in making sure her team were better when they left than when they arrived, and a little bit about how debate both at home and abroad gave Ruth a few more tools in her tool belt. Ruth is a fascinating person with a wonderful story to tell, so we hope you enjoy this episode of The Culture Matters Podcast.

“He who would learn to fly one day, must first learn to stand and walk and run and climb and dance. One cannot fly into fly.”Scott Einbinder is a real estate professional with nearly two decades of experience in the game and we are going high energy in this episode! Scott digs into his early life where his parents owned the first Century 21 franchise in New Jersey and how he was lucky enough to have two incredibly pioneers real estate professionals in his home to help him learn the ropes. It wasn't all rainbow and sunshine as Scott reveals to Jay the mountains of rejection he faced early in his career and how he used that rejection as the world's finest learning tool, the future of the real estate business, and exactly what the Scott Einbinder Effect is. The good energy gets flowing early in this one and it stays that way throughout, so get ready for some high octane real estate chat with a man who literally grew up around the business.

“We are governed; our minds are molded, our taste formed, our ideas suggested largely by men we have never heard of.” - Edward BernaysFounder of Spartan Media and veteran of the United States Marine Corp. Jeremy Knauff joins us today and we've got a lot to unpack. Jay and Jeremy discuss the inspiration behind Spartan Media coming from a very dark time in Jeremy's life, how being mentioned favorably in the media helps bring credibility to your business, and the power of positive feedback and how highlighting wins can help breathe new life into people who might need it. Jeremy is a man whose life revolves around helping others realize the full potential of their businesses and that genuine desire to see others succeed really comes through in today's conversation.

"Courage allows you to be honest." - Phil MancusoPhil Mancuso, "El Presidente" of EPM Wholesale himself, is back on the show and we are covering a lot! Jay and Phil discuss the importance of honesty in the mortgage industry, passing the best familial traits down through the generations, and even a little history on the Mancuso clan! Phil is a wonderful resource and human being and he has a lot of energy to match it, so try and keep up with this conversation with Phil Mancuso.

"A pessimist sees the difficulty in every opportunity. An optimist sees the opportunity in every difficulty." - Sir Winston Churchill Connor LaRocque is a marketing expert, author, and the founder and CEO of SocialRise and he is back on the show today for another go around on The Culture Matters Podcast. Jay and Connor are unpacking the kind of energy it takes to do what Connor does, the balancing act of running a business and being proactive in finding new opportunities, and the benefits of being as genuine as possible in your interactions with other, even if you've only just met. We're always happy to have our favorite Canadian on the show and we hope you enjoy this conversation with Connor LaRocque.

"Praise is more obtrusive than a reproach." - Friedrich NietzscheLong-time friend and previous guest of the show and New Jersey real estate staple John Swartz makes his triumphant return to the podcast today and we are thrilled to have him back! It should come as no surprise if you've heard John on the show before, but today we are talking about real estate! More specifically, we are discussing the future of real estate, what the market is going to look like as we careen head long into the future, and even how John and his business are changing with the times and adapting to the technology. It's always great to have John back and spreading his copious amounts of knowledge around in the real estate space, so we hope you enjoy this conversation.

"Anyone who keeps learning stays young." - Henry FordOn a very special and personal episode of The Culture Matters Podcast, Jay talks with good friend and frequent guest on the show Andrew Berman. The discussion centers around how a mutual friend's health challenges inspired Jay to cut his hair in a show of solidarity and transitions into Jay's accident that could have potentially taken away the use of his arm for the rest of his life. This is a deeply personal and revealing conversation and we hope that if you or someone you know is going through something right now that you can find some hope or inspiration to keep fighting the good fight.

"Think like a man of action. Act like a man of thought." - Henri BergsonTransformative health and wellness expert and our favorite medical professional Dr. David Yerkes is back on the program today! Our conversation today centers around what makes people tick. Dr. David discusses his lifelong curiosity around why people do the things they do helped lead him to starting his own podcast, productive health behaviors, and why sleep is an incredibly important part of life, especially as we get older. Dr. David is a wealth of knowledge concerning health and we are always happy to have him share what he knows with our audience!

"The higher we soar, the smaller we appear to those who cannot fly." - Friedrich NietzscheFounder of 1 SEO and LB Capital Lance Bachmann is back on the show today and if there is one guy you're going to want to listen to, it's Lance. He has created and run some very successful businesses and today we're getting into it! Jay and Lance discuss why leaders are solution finders, Lance putting "fun" things on hold to focus solely on his work and his family, and we even have a surprise guest join the conversation. Lance is incredibly successful because of his drive and his desire to be the best he can be and we hope that this conversation will put a little of his fire into you.

"Out of every one hundred men, ten shouldn't even be there. Eighty are just targets. Nine are the real fighters and we are lucky to have them for they make the battle. Ah, but one; one is a warrior and he will bring the others back." - HeraclitusFounder of Pivot Realty Group and host of "The Necessary Entrepreneur" podcast Mark Perkins is joining us the show today and this is definitely a guy you're going to want to pay attention to! We're kicking things off with a few words on the importance of dedication in all you do; whether you're mowing your lawn or growing your business, dedicating yourself to doing a good job makes all of the difference. Jay and Mark are going on to discuss the difference between desiring material things and having the ability to get them, the Golden Rule, podcasting, and even retirement. Mark is a true success story, so make sure you're ready to learn on this episode of The Culture Matters Podcast!

"Surround yourself with people who play at the things you have to work at." - Aaron YoungAaron Scott Young is the chairman of Laughlin Associates and the creator of The Unshackled Owner and we're excited to have him back on the show today! Jay and Aaron unpack Aaron's uncanny ability to treat everyone he comes into contact with with respect and genuine curiosity, Aaron's early forays into entrepreneurship and an unfortunate set of incidents that landed him in some hot water, and how the people in your world, whether in business or personally, are your most important resources. Aaron has been a lot of things and brings a unique perspective and voice to these discussion, so be sure to listen carefully to this episode of The Culture Matters Podcast.

"Every customer is different and that makes them special. Serve to their needs and create win-win relationships." - Guardian Roofing & SidingRobert Frehafer is the owner and founder of Guardian Roofing & Siding and a very good friend to Culture Matters and he is back again today to chat about what the "U" in Guardian stands for. The "U" stands for "Unique" and Jay and Robert break that down and what it means for Guardian in particular. To be unique means to be one-of-a-kind and Robert explains how that has helped shape his business and how it is something he and his whole team strive to be. The overall theme today is about adding value to your clients and to your business and how being unique will add that value on a daily basis. We hope you enjoy this unique conversation with Robert Frehafer.

"The future influences the present just as much as the past." - Friedrich NietzscheAndrew Berman is an advisor, mentor, and the Head of Engagement and Outreach at American Business Media and we are very excited to have him back on the show! During their conversation, Andrew and Jay discuss what it says about you when you are early as opposed to late (because you can never REALLY be on time), how committing to things, no matter how small, and holding to those commitments serve to make you a better person, and what the mortgage industry has to look forward to in the next couple of years. We keep bringing Andrew back because he is a wealth of truth and knowledge, so we hope you learn a little something on this episode of The Culture Matters Podcast!

"We love life not because we are used to living, but because we are used to loving." - Friedrich Nietzsche"The surest way to corrupt a youth is to instruct him to hold in higher esteem those who think alike than those who think differently." - Friedrich NietzschePhilosopher and artisan contractor with Vision Stone and Tile Nathan Merrill is back today and if you've listened to his previous appearances on the show and thought those conversations were deep then prepare to re-evaluate your definition of the word. Jay and Nathan discuss a little bit of Buddhist philosophy, the value of discussing opposing viewpoints, existential angst, and even the dichotomy of good and evil. This truly is a one-of-a-kind discussion, so make sure you're ready to get in there with the one and only Nathan Merrill.

"It's not what you look at that matters, it's what you see." - Henry David ThoreauWe are back today with the founder of South Fork Business Ventures Tony Capullo as he continues his series where he turns the tables and asks our own Jay Doran the questions! And since it's a culture podcast, we are talking culture! More than that, we're getting to know The Culture Man a little bit better. Ever wonder what Jay does in his free time? Or where he sees himself when he hangs up his culture spurs for good? Have you ever wondered if he sleeps? If you have, then you are getting all of your answers today!

"Constantly probe the people who report to you and encourage them to probe you." - Ray DalioAdvisor, consultant, mindset coach, and founder of one of the top 10 mortgage coaching programs in the country, M1 Academy, and host of "The Business of Success" podcast Phil Treadwell is back on the program today and this one is full of the good stuff! We're kicking things off with Jay and Phil discussing coaching and why it can be so important for people on their journey to success. After that, we're deep diving on the state of podcasts and the direction the genre is going in. It is still a relatively new medium, so there is a lot of room for growth and we're discussing the culture surrounding podcasts as well as what it means to be a good guest. This is a podcast episode about podcasts, so if that hasn't already blown your mind we really think you'll enjoy this conversation with Phil Treadwell!

"The reason why we've done so well over a long period of time is we've got good people. And I've always been a great believer that without good people, you don't have a business. People can bugger something up pretty quickly, but good people can keep it going." - Robert MilnerAleck Arena is the founder and owner of Arena Securities and specializes in investing in stock shares and today we are focusing on the book The Price You Pay to Be an Australian by Pino Gangemi who just so happens to be Aleck's grandfather! We're getting an account of Pino's life, where his drive to succeed came from, and how a little boy from Italy moved to Australia with his father and taught himself English and how that was really the start of his journey to success. Aleck discusses the influence his grandfather has had on him and shares some anecdotes about time they spent together when he was young. Pino is a fascinating man and we hope you enjoy hearing about his life.

"All truth passes through three stages: First, it is ridiculed; second, it is violently opposed; and third, it is accepted as being self-evident." - Arthur SchopenhauerChristine Beckwith is the founder of 20/20 Vision for Success and the author of Finding Honor: The Journey to Truth and she is back on the show today to discuss the fifth chapter of her book entitled "Hardwired to Sin". Christine discusses her inspirations behind this chapter, the innate attraction of doing things that are "sinful", and, on a more personal note, the observations she made about a return to a more innocent and less hostile state of mind when one's time in this life is coming to an end. We're going deeper and deeper as this series continues and today is no exception!

"Love is the answer."Founder of Duffin Media, voice-over actor, and voice coach John Duffin returns to The Culture Matters Podcast and today we are all about the love. With all of the negativity in the world, isn't about time we bring some positivity back? John and Jay are going through the benefits of positive reinforcement, how anger is a strong emotion and love can help overcome it, and how just a little love can change the trajectory of someone's life. Love can come in all sorts of forms and as long as you are out there putting love and positivity into the world, you are doing your part to make things just a little bit better.

"It is impossible to suffer without making someone pay for it. Every complaint already contains revenge." - Friedrich NietzscheFounder of The Pavement Group, Top Contractor School, and the host of "The Brian Hess Show" Brian Hess is back on the show to finish up our conversation on conflict and today we are focusing primarily on leadership's role in conflict. The leader of the organization sets the tone for conflict on how they handle it, they're affinity to causing it, and well they can mediate conflict between themselves and their employees, amongst the employees themselves, or even with clients. Brian has a lot of experience as an entrepreneur and a leader, so he knows his stuff and if you've got questions about handling conflict, this is the guy to listen to.

“We don’t just want to absorb content to understand it. The real magic comes from teaching. And that’s the best way to learn. The best way to learn is to teach it. The best way to learn anything is by teaching it and helping others. That’s how you gain fulfillment in life, and that’s what life is about.” - Barry HabibBarry Habib is an entrepreneur, the CEO of MBS Highway, and author of Money in the Streets and he is back on the show to share his knowledge and passion with our audience. We're getting off on a positive foot today as Barry and Jay chat about where winning is happening in the mortgage and real estate space. Is it difficult and challenging out there right now? Of course it is, but there are people out there making things happen and we need to be talking about it! We're also talking about work ethic, what it takes to be a winner in whatever space you're involved in, and how time management and engagement with your clients can make all the difference in the world. There are few people who know this business like Barry does, so make sure you're paying close attention to this episode of The Culture Matters Podcast!

“The big money is not in the buying or the selling, but the waiting.” - Charlie MungerFounder of the Taberne Group, branch manager of Green Tree Mortgage, and host of the "Taberne Talks" podcast Alex Taberne joins The Culture Matters Podcast today and we are chatting about achieving success. Alex talks with Jay about his personal drive to be successful and to put in a good day's work, the time and commitment it takes to become a successful loan officer, and how transparency with clients will not only create long-lasting and meaningful relationships, but help foster new ones through your reputation and track record as someone to be counted on. The world may seem crazy right now, but Kevin is here to tell you that with good mentorship and a desire to push through the difficulties, anyone can see their way through to success even when everything around you may say otherwise.

“Spend each day trying to be a little wiser than you were when you woke up.” - Charlie MungerFounder of Investor School, author of Money Hacks, and radio host Larry Steinhouse is stopping by the show today and we are talking money, wealth, investing, and how you can achieve all of those things! Right out of the gate we're asking the question, "Can money buy happiness?", and unpacking whether if can, does fulfillment come along with it? Larry discusses his purpose in service of others, his journey from being an electronics technician to a financial guru, and why the best advice he can give anyone is simply to "do it". Larry has a lot of experience and wisdom to share, so make sure you're paying attention and taking notes (unless you're driving) during this conversation with Larry Steinhouse.

“It is so hard to believe because it is so hard to obey.” - Søren KierkegaardFounder, president, and CEO of K&L Industries, advisor, mentor, and the host of the "Greatness From Small Beginnings" podcast Keith L. Callaway is dropping by the show today and we are unpacking a lot so get ready! Keith and Jay discuss how Keith's burgeoning family helped him find the inspiration he needed to branch out on his own, the role faith has played in both life and business, and the importance of both personal and situational awareness. Keith is also taking us through his podcast and what his plans are for the future. A genuinely good person, we're excited to share this conversation with Keith on today's episode of The Culture Matters Podcast.