WhyWeWork BrianVee
WhyWeWork BrianVee

Episode 44 · 1 year ago

#44 Sean Tepper - Founder and CEO TYKR.pro - BrianVee WhyWeWork

ABOUT THIS EPISODE

Sean Tepper is the Founder and CEO of TYKR.Pro - A FinTech SaaS that helps investors Reduce Risk, Save Money, and Invest Confidently.  

Contact Info  

Sean’s Profile 

linkedin.com/in/seantepper  

Website 

tykr.pro (Company Website)  

Email 

seantepper@gmail.com  

Twitter 

seantepper  

About "Have you ever lost money in the stock market? You either listened to someone you know, heard a comment on the news, or tried to follow a trend. I think we’ve all been there.  

Most people lose money in the stock market because they make decisions based on emotions. What if you could remove emotions from investing? What if you could make consistent returns in the stock market based solely on logic?  

And what if there was a SOFTWARE that handled that logic for you? TYKR finds LOW RISK and HIGH RETURN stocks so you can BEAT THE MARKET and RETIRE EARLY. Before TYKR launched it was back tested through the 2008 recession.  

Here are those surprising results...  

In 2008, the market dropped by 38%. TYKR was up 24%. 

In 2009, the market went up by 23%. TYKR was up 72%. 

In 2010, the market went up by 12%. TYKR was up 96%.  

TYKR was also back tested 20 years. From 1999 through 2019, the lowest return was 10% and the highest return was 96%.  

I’ve been using TYKR the last 5 years to generate returns between 15% and 50% and thanks to TYKR, I only invest about 15 minutes per week as it does the hard work for me. I simply login, find ON SALE stocks, and I'm done!  

No matter if you're a beginner or advanced investor, TYKR helps you reduce risk, save money, and invest confidently.  

Checkout detailed Case Studies as well as Testimonials.  

Get started with a FREE TRIAL (No Credit Card Required).  

Visit: https://tykr.pro 

I'm also the host of Payback Time. A podcast where I interview individuals who have achieved or are well on their way to achieving financial independence."  

Visit: https://paybacktime.pro/

...welcome to why we work with your host, Brian VI ous. He speaks to people like you from all over the world as we together dive deeper into our motivations, struggles, joys, seemingly missteps, hopes, warnings and advice, which would be an encouragement to us all to get up, get going on, keep on working. Working is tough, but but working is good. Now here's your host to why we wait. I'm Brian B, and this is why we work today. I had the great pleasure of speaking with Mr Sean Tepper. He is the founder and CEO of ticker dot pro. He had many years of experience being a project manager, but he wanted to build wealth, and in his discovery of building wealth, he came up with ticker Doc Pro and I want to find out as a guy like me with not a lot of money. How do I get into investing? I don't want to become rich quick or find myself in a rich quick scheme, but I want to know how I can gently find my way into investing in what are some practical ways to do so. And I want to know what Sean has to say, If you would like to hear, take a listen today with Mr Shawn Tepper. I'm Brian V, and this is why we work. And as I just mentioned I have with me today, Mr Shawn Tepper. Good day, Find, sir. Hey, how's it going, Brian? Very well. I just mentioned ah little bit about you, but can you give me, even fill us in a little bit better about you, and then I'll ask some questions about how it all began? Sure, sure. So So my background is about 15 years in software engineering. And my first five years I had a A service business. And this is where I really learned what really work was like and I was building my own business during the recession, Um, and working Ah, lot of ours. Like 60 hours plus a week and trying to build a business and pretty much survive managed Thio achieved some growth in 2010 just past recession, and my company actually merged with another company, which is great. It wasn't a big financial transaction, but it it really removed all debts and liabilities. So, in other words, it was a big win But that was like an ah ha moment for me, where I really discovered that if you're gonna build wealth and if you want to retire at all or even retire early, you need to create leveraged income. And one great way to do that is through investing. And what I did is I got into because my background is tech. I get into angel investing. So I would either invest dollars or time into private tech businesses with the expectation that these businesses would eventually sell it a 10 x multiple. Well, needless to say, that never happened. Um, so I did that for about five years, and in parallel to that, I've done a lot of work with bigger business. Like G E is one of the bigger companies I've worked for. Um, and I kind of paused at at 2015 and said, Hey, you're not making any traction here investing in the private market. Let's turn your attention to the public market. The stock market and I looked at this from a much different approach than a lot of people because I knew the top investors that we all know like Warren Buffett, Charlie Munger Ray Dalio. These guys don't make consistent like 2025 30 sometimes on up to 50% per year in the stock market. By guessing, right, they're not using emotions. They're not using luck, which means they're using logic. So I kind of apply to software engineering tactic Thio the stock market and said, Hey, let's figure out the math behind the stock market and I did that. It took about a year to get on track. It was about 15 4016 and I generated about a 15% return that year. And that's when I kind of parted ways with my financial advisor and said, Hey, you're getting me six and you're probably always going to give me six and I'm at 15 So I'm gonna go my own way. Um, and what I did is I kept refining that algorithm I wrote year after year after year, and I just have to pause here and say I give all the respect to the ambassadors that have come before me because I really took this information from books right and and kind of synthesized it into an algorithm so the credit goes to them not me. I just kind of put it all together. And I've been using this algorithm year after year to generate returns ranging between 15% on up the...

...50% which, if you do the compound interest there, that za killer returns significant. Right? So things came to a head in 2019 I started talking to some large financial institutions, showing them what this thing can do in the one firm was like, Hey, you've got something here. But you've got to test it through the 2008 recession to see if it's worth anything. And I'm like, Okay, All right. Let's see what I can do. And I'm I was a little nervous. I have to admit, I'm like, if this thing doesn't pass 2000 and eight, um, I got to go back to the drawing board. So here those interesting results. So you were at that time you were able to reconfigure it to see what your program would have done if it was working at that time. Exactly. It's it's a tactic called back testing. What you do is you take the historical data from back in time and you run it through the algorithm and see what What it would do that year. Eso In 2000 and eight s and P 500 in the US it went down, 38% will tinker. That year would have had you up 24%. And then in 2009 S and P 500 went up about 23% ticker. That year was up 72% and you didn't get takers. The program that you You found it? Yes. Yep, yep. And then in 2010 the market went up about 10 per 10 to 12% to kind of leveled off a little bit, but ticker that year was up 96%. So I knew at that moment I had something. But just to be sure, I'm like, let's just test this thing for 20 years. Let's go 1999 so we could get the dot com bubble in there, right and just run it through 2019 and see what it does every year. Well, the results were fantastic. Lowest return was 10%. Highest was 96 and then that's when I said, Hey, I got to turn this into a tool for others. I can't keep this for myself. So I started, um, building it in. That was last summer 2019 and I launched it in spring in 2020. So just after after code. So it's live while you're investor would be your investor would be calling you and saying, Hey, John, what can you do for me? Right? Right? Yeah, exactly. Well, here you go. Here's the tool. So eso yeah, it serves primarily consumer audience. Anybody who is a self directed investor or wants to use their own finances, it's it's what I did is, and you will get a laugh out of this a lot. A lot of lingo in the finance industry can be very complex and intimidating. A lot of $20 words, and it's it's all noise. Whereas what I've done with Ticker is used very approachable in layman's terms language. So it's it's really anyone can understand, so it's less intimidating. Yeah, I was on it today. It is. It is very consumer friendly. Um, and I'm an idiot, so if I could understand it, anyone else could understand it before we get into that and how it can help people. Maybe you could explain a little bit more about it. Shaun. Take us back. Well, what was your first job? Like? What got you on this track? Like maybe you were only a teenager selling lemonade or something. What was your first thing? Here's Yeah. This is a funny story. So I'm I'm going into, I think, eighth grade. It was the summer after I was in seventh grade and I picked strawberries for here. We go for about five bucks a day, and when I would pick strawberries, I would put in about 4 to 5 hours. I was making, like, a dollar an hour, which it was. It wasn't too long ago, was that? And that wasn't too long ago, you know? So you on that. Where did you grow up to be? Picking strawberries. Yeah. I grew up in a northern suburb of Milwaukee. So small town called Western. Um, what? What got you out of the house to go pick strong. I mean, it's a horrible job. I know. My dear wife said she picked apples for a season, and it was one of those she went the first day was gung ho about it. Second day, third day, She I think she said she was done. I mean, it's not an easy task. And I can't imagine strawberries or blueberries or anything you gotta pick to pick a basket full. To make the money is not easy. What got you wrote to do that and keep doing it for a bit? Yeah, I just You know, your summers, Dearing. You know, the middle school years you're in this weird spot like you're not ready to be gainfully employed. You're too young. But at the same time, it's like you only can play so many video games. Right? So our sports, you know, I was a baseball player as a kid and swimmer, and, um, I'm like, all right, I wanna work a little bit. I wanna make some...

...money, right? So that that was really the motive. I hated it. I hated picking strawberries, but it was a good experience. So into middle school high school, where there's some things that you did that directed you or what directed you towards I t for instance, I really fell into that by accidents. So here, here's a fun story for you. So in high school. I wasn't the for most of my life. Growing up, I wasn't the most focused students, and I was never stimulated. I'm not a big fan of I respect school, but I don't like sitting staring forward and being preached to. I'm not like Gimme Task. So I got by with AIDS B's and C's without studying. But there were There were a few classes in high school that really turned me on to Tech, and that was computer aided design. And I was able to design, like blueprints of manufacturing components on up to structures buildings. Um, uh, I think like homes like building a Home Blueprints. And I had a cool experience where there was a homebuilder, pretty well known homebuilder in my town where I grew up. He approached my teacher and said, Hey, I want one of your students to come under my umbrella and be my architect for the year and I'm not gonna pay him. I just want to give them experience, and in return, I'm going to get an architect cause he's like, I don't wanna pay some architect, you know, tens of thousands on upto $100,000 to blueprints. He's like, I just coach some kid. I am a teacher. I was one of the star students. He's like, Well, you gotta use Tepper. Um, he always called me Tab. He's like tips. Your guy, you could use him. So I actually got to skip class all year, and I would focus on helping me, this guy building his blueprints, and we did an iterative process. So every week he would give me tasks and I'd go home. I'm a computer, and I update these blueprints and then come back to him and we just revise and and built this beautiful home. And I'm like, What a great opportunity it was awesome. Yeah, it was sweet. So check this out. So, um, I built this home, and this is it was kind of crazy was like an eight bedroom, nine bathroom home. He his business was, I think, in the family for a few years, So he could you could afford a home like that. And I thought thistles the coolest thing ever. So I decided I'm going to go into architectures in college. So the computer part nailed, but I get the architecture er and this was kind of like a punch in the face. Um, you had to be good at model building in school as well as drawing. And I There was this particular moment where you go to these halls like a huge haul, huge room that would show the's stands and everybody with their model set up. And I built this home that was pretty modest. And I get in there and I looked down the island. I see the Taj Mahal. I see the White House, like, built a pristine detail and I look at my home. I'm like, Oh, my God, this is embarrassing. Okay, so I made the call in just to back up a second. The professors, they're saying you're you have to be in the top 5% in architectural school. Thio even find work when you graduate. And I You're looking at Yes, Maybe not me. Yeah, exactly. And I'm sure I could have pushed through, but I'm like, and I'll share something with you really funny in a moment. But I knew at that moment I'm not in the top five. I could really work hard to me begin the top 20. Maybe, maybe, but I said, Let's let's switch career. So I was kind of was turned off by school, but I still value degree. So I actually picked up a fine arts degree. I'm like, I want I want a degree that's really easy to get but still gives me four years that four year bachelor's So, um yeah, I want to find arts And I worked a lot during college so I could reduce debt. I actually graduated. No debt. Um, but then the funny thing is, ironically, one of my friends who is an architect. I told him this story like he had to be good at model building and drawing. He's like Sean. I'm a professional architect. You know how many models and how maney actual drawings I've done in my is my age. So 15 year career, Like How many? Yes, zero. Maybe the professor Just trying to discourage people like you. You had it. You had it down. He's just trying to weed people out so he doesn't have to American papers or something that's yet right. Like this is easy. Those kids out the door, you have to be in the top 5%. Everyone, everyone drops out it works. That's pretty funny,...

...though it is. It is true you. So you got yourself into I t. Based on some of life choices thereafter before we get into what what you're doing. And you mentioned it because you wanted to get the education. Want the four years. How much do you value education? I I listen to, like podcasts, Andi. Other people saying, Well, you know, just find a passion that you love and go do that. It works for some people Well, but how much did you or do you value the education you had, even if you didn't in the end, focus in that you know, our texture and all of that Do you find that you've used that through your life? Or it was just a big waste of time, and you should have just made programs good. I love that question. So my parents were really good about instilling me. Just get a four year degree. It's a great it's a ticket to get, you know, better jobs, and I shouldn't say it like that because you these days, like blue collar work like electrician's and plumbers and even carpenters, they're in high demand so those careers are amazing, but I'm glad I did it. I in hindsight I would have probably went for finance because that's what I love. And I didn't know that. But I got my four year degree, and it was It was a great idea, because I actually use that four year degree to fall back on several times to get jobs. Um, I t project management jobs in corporate America, and that's not some people can really frown upon that. But you know, I've worked for G E have worked for Kohler, their private company. I work for sort of some other bigger org's as well. And I always tell people, Don't just learn your job. If you get in corporate America, learn the business because that's what that's what I did every time, like a G like, how did they write contracts? How do they negotiate? How do they market? I really build operation processes like I wasn't in there to do my job. I was there to infiltrate and learn how the business runs, because that is like worth its weight in gold. You can't learn that and really a small business. So so thanks to my parents getting that four year degrees, but all they instilled that, Yeah. I mean, even if it's a trade right, like that's the type of education that I'd like to promote to in saying it doesn't matter what it is. Education is important opposed to people saying it's not important because even if you have no education, you get a job, you're still gonna have to learn something. Once you get on the job, they're going to teach you something. It is an education, whether it's on the job training, you mentioned your love or desire or passion for finance. Were you good in math? Was it was just something that came natural to you, Or how did you develop that? Because what my thing is, as I told you when we first started talking, is Oh no, I feel like I'm out of my league here, talking to a finance guy. How did you step up to the plate to be that guy and is it really that difficult for people to learn? And especially when we talk about investing right now, I I will say that I was not a star math student in school like I That's the one class I probably had toe work at, and I just never really focused that hard on it. But I Soon when I got into attack after I graduated, I created a business that was building websites and software, and you don't need a whole lot of math. And I learned that, you know, in the world of investing, it's not complex math, either. It's just it's like not really having to sort of not having to build models and drop picture. Yeah, right. I thought, that's what you need. But in the end, it's not what you use, not not really. It's, you know, creating the algorithm. There was some calculus there, but it's, uh, if you're somebody who's using Excel like my background is mostly I t project management. So in the software engineering space and you're doing a lot of projections and calculations and forecasts. So Excel is like you go to and if you have, like a year to experience using excel like applying those same skills to finance it, it comes pretty easy. So now that you're you developed your program, you enveloped ticker, and what is it you hope to do with this. So I guess even backing up you touched on it about realizing investing is important. If someone is listening and even myself, why would you say or how did you come to realize investing is important? First and foremost, well, let me share a statistic with you. So in the United States, 70% of Americans have $1000 or less in savings and investments...

...combined. And there's there's other statistics behind that that 70% of Americans will not be able to retire in their sixties. So we definitely have a major issue, especially in the United States, then, no, it spreads to other countries as well, that people are one issues. They're spending too much. They're buying things and stuff, you know? But there's a flip side of that. They're not investing. And unfortunately, the 6% that a lot of advisers and I have nothing against because I friends to our financial advisors and wealth managers, Um, I respect 6% but unfortunately it's not enough to retire. If you want to retire in your sixties, you have to increase that percentage. So my goal is to make investing more approachable and easier. But there's something in my head. This story There's something in my head that's sticking that I don't know who I heard it from, but if you're only getting and like I said, I'm not a finance guy if you're only getting 6% that doesn't even cover inflation and, like you might be able to fill in some other terms like that is not enough on any particular investment to have something substantial at the end, right, because inflation is about 2 to 3% per year. And if you pay an adviser, they're taking what's called 1% a Um, so in other words, they're taking 1% of portfolio. So let's do the math. You 6% minus 3% inflation. My minus another percent for management. You're you're you're making about 2 to 3% per year, and that's unfortunately the reality. And people just don't think about that. Um, you're you're better off doing that than putting enough savings account at 30.3%. But that's why a lot of people, unfortunately a lot of people do. This is they get into their fifties and they start looking at their investments and start thinking about when they retire and they're behind a ball. Yeah. Oh, yeah. So in understanding that statistic that 70% of people do not or on Lee have $1000 approaching fifties and sixties. What should someone's first step be like? Hope. I mean, when did you start investing? At what age did you take it seriously? Yeah, that was around the age of 29 30 when I sold that I had that service business just passed a recession, and that's when I knew investing was, you know, the power of compound interest is, you know, Einstein has stated it's the most powerful force in the universe and no joke. Like when you start using that to your advantage, you can you can make some real money. Can you define compound interest in layman's terms? Like I understand it's this upon what you just invested, but I'm sure you could do a much better job. Yeah, so I'll give you a math example. So let's say you have, um, I'll use a number like $1000. Let's say you make 15%. You know that first year you now have $1150. Well, now you take 15% against $1150 and that it just exponentially grows. So when you look at it at a small number like $1000 doesn't seem like a big deal. But when you can start to get toe like you've got six figures in the bank and start using, you know, compound interest, your money grows really fast. So let's go $100,000 right there you go at 15% or even let's go. A number like tickers return for many 50% per year, $100,000. You just made 50 grand by not working at all on an investment. Now take 50% against $150,000. It grows exponentially, and I actually have calculators and excel that show the differences side by side. At 15% 20% 25% what, 50%? And if you start, this is crazy. But over the course of 20 years, if you can make 5th, 50% and I think you're starting amount is 10,000, give me close to a billion dollars at just 50% component interest over. I think it's 20 years. I think the knee jerk reaction of some people or myself with investing was as it's not compound just based on the principle that you're you're just going to get the the percentage on the principle that you invested. So $1000 you'll just keep getting, you know, whatever. The percentage was 6% 15% on the $1000. But compound interest, you keep adding it up, and it builds like a snowball. And that's where the money maker is. If you're patient to leave your money in saying, in this case in the stock market, yes, exactly. Yeah, Sean. How...

...so? If someone realizes they need to invest or it's wise to invest, whether it's for themselves or for a family member or spouse, like obviously family but for their Children or for some other reason, how does one usually take the leap from okay? I think investing would be good to, Or what would the next logical step be? Would you say it's OK? First, should be the stock market or first, you know, have $1000 and, you know, just save up $1000 or what would you say would be the first? They have they start with nothing, or at least no plan. They might have some money, but what would What would you say would be wise to start off the road into investor? Yeah. So start with 1000. And if you actually I'm being biased here. But as I designed ticker to do this is it? Actually, when you join, you get an introduction email and then it lets you know there's gonna be 20 other emails over the next 20 days, and they educate you on what to do with their 1st $1000. Tells you which broker to use. Like I use TD Ameritrade. You could use Robin Hood or e trade Foreign foreign investors of other platform. You suggest the ones that have no commission as well. Correct? Exactly. Yeah. And it actually walks you through to safe investments. And that ticker has a score from 0 to 20 and not only we could go into this in detail, but in other words, people are all about they want to reduce risk. They don't want to take risks that they lose. Money will take his point system has the higher the points with less risk, higher probability of making money making return actually guides you through that process so you could literally start with $1000 get started and just follow these emails. And over the course of 20 days, you're gonna be mawr educated and well armed and dangerous with investing than most people like most investors. Because I really broke it down in layman's terms over those 20 days and this because this is a question. My mind, your finger is not behind a computer going. Okay, I think this is good. This is completely based on your algorithm, which has proven itself over decades. Yes, yes, exactly. And I I'll give you a little peek under the hood of how it works. So Warren Buffett's teacher was Benjamin Graham, and he wrote a book called The Intelligent and Faster. And he's kind of the father of what's called value investing. Value investing is figuring out the rial value of a stock like I'll give you an example. Um, I like Microsoft. Michael Spots is around 200 bucks, and $200 is the actual stock price. It's not the rial value riel values called intrinsic value, and that takes some calculus. But ticker does that for you to turn what the real value of Microsoft really is. And what you want to do is you want to buy a stock that is 50% off the intrinsic value. So let's use Microsoft if if the real price is 200. But the values 400 there, Ugo it's 50% off. And that was used for decades, decades and decades. People just use that. But I want to step further based on some inspiration from a guy really respect. His name is Phil Town. You could Google him. He's got two great books out there. One is called Rule One investing. Another one is called Payback Time. Um and he helped guide me a little bit of my process, but he kind of created some other metrics, like you want to pay attention to the death of the company, how they're allocating capital, their sales is. And I'm like, You know what? I'm gonna take all those other variables. I'm gonna create a point system. What that does is the point system is really showing higher points, stronger financials of the business. And of course, if you're an investor, you would invest in a business that has strong financial because the probability that business continuing to make money for you is very high. So it's got that margin of safety combined with the points. And I'll be, uh that's why I used Ticker for four years before I even launched it, because I'm like, there's gonna be a scary game for people. But I got to continue to test and I'm not kidding you thousands of us Iran just to make sure I'm making money because I don't wanna put this out there and somebody invests money. Now they're losing money. Guess what My email inbox is getting lit up like Sean, what are you doing here? I didn't want that. Mhm When? So you're you're saying and the first step would be to go to the stock market if you have the ability of investing $1000 is do you have any warnings for people? I mean, not not the volatility of stock market, but just of to be, um, aware of...

...being responsible and making sure they're on the right path or making the right steps. Do you have any warnings for someone to make sure that they were in the right frame of mind to do so to start investing. And I'm not talking about the stock market. I mean, you get cove it, you have the recession, you know, like we can't beat against that. I mean, you can have a good algorithm, you can have a good program, and it could move through it unscathed. But just the thought of someone never investing maybe not even having a home. Maybe, you know, not having paid off their cars, not put away any money for school, maybe have debt from school. But just realizing investing is important. But just make sure Do you have a warning for them? Yeah, I have my own, um, tagline. Here it's emotions. Emotions are the enemy of investing. And that's the one thing about investing is, if you're, ah, highly emotional person, it it might not be for you because there's days where the stock market could go way up and there's days that could go way down. You have to have the ability to separate yourself from those emotions and trust that in the end, if you look and I've studied the stock market the last 100 years, history repeats itself over and over. What goes down always always comes back up. In general, the market does that. You have to just trust that I have a friend here and, uh, I won't divulge more than that, but I would go visit him and honest he on his desk. He is not an investor. He's of other profession. But he has three screens would go and he was investing in the stock market. And you could see all of the whatever the chart tables that air before him. And I was talking the charts, and I was asking, Oh, so you're in the stock market is like, Oh, don't don't do it. It's so addictive and like so he would be not neglecting his job. He can't for the type of job that he has. Um, but he just was so into it because he was watching up and down and up and down and trying toe play the game in in probably how day traders dio not being more patient and not waiting, which, I mean, you probably could do both on your program. It's just, you know, buy and sell as much as you want or with a broker but have can be addictive, too. Yep, I know exactly what he's doing. And that's not what ticker does, not what I do. And he is trading. So there's a sign. If somebody's watching charts or has multiple screens now in my email, it's sequence when you join it actually breaks down the differences between trading and investing. Now, here's a question for you. How many billionaire investors do you know? You could probably think of a few right? Warren Buffet comes to mind no off personally, right? Not right. You don't know him personally, but you know, off. Right? And I turned that question too. How Maney billionaire traders do. You know, I know the number to that. And I think you know where I'm going. The number is 00 there are no billionaire traders. So then I go a step further and I talk about the email sequence. Trading is a job like any other job. If you're working your job like me past experience, corporate America or your your landscaper, you have to be spending 48 sometimes 12 hours a day, whereas investing and this is going to sound crazy. But the tool like taker you only need about 15 minutes per week. That's it because it's not you working for money. It's money working for you. So I was working for you, too. Yeah, I love talking to traders because I will debunk and break down and and I don't I'm not contentious, but I pretty much reveal like, What you're doing is waste and even my tax guy he's got This is a fun story for I have to share with you and this will teach a less people out there. My task. I want to give the name away, but he's like one of my one of my customers fell into some family inheritance, and he's been trading the last 10 years. This last year he made $4 million but he lost 300 3.8 million. So is total profit was $20,000 and he spends while 30 hours a week. And then he's like, You know what, Sean, This was the first year out of 10 years. He actually made a profit, the previous nine, all in the negative. He's like if you would have taken that family inheritance and use ticker and just invest, did he would have been. I mean, so much better off. I can't imagine how much money he lost. But if he made $20,000 and is proud of that after 10 years, that Z pretty disgusting it. That's pretty good. What? What do you find most difficult? So and what you do...

...in the run of a week in a day, what is difficult about what you do? I mean, especially changing from Project Manager into this president position, and you also have a podcast. What is most difficult about your days? Um, I would say my strength is, and I wanna show that strength and then talk about the weakness in my strength is I'm really good at operations and efficiency and systems. So I could I can quickly figure out what's waste or menu sha in a day. What doesn't produce value for customers and what doesn't generate revenue? I can get rid of that one of the flip side, My biggest challenge and I'm always learning is marketing. I'm not, you know, like running Facebook ads and doing online marketing because touching people's emotions, I have to get like ongoing coaching, always talking to people researching and learning how to write copy that is it touches on emotions because people, when they come Teoh a platform like ticker. They're not thinking logically all the time. There's emotions and play, and I need Thio. Ease those emotions and make them feel comfortable and and understand that, Hey, you can trust this. So that's my biggest challenges. I have to continuously coach myself on that very left brain that way. What, So in that, so probably feedback that you get it brings you some satisfaction. But what is it that does bring you the most satisfaction in founding ticker and seeing it off the ground? And, you know, not quite a not a year yet, but I'm sure you have some success with it. Yeah, I'm always asking my customers I'm really good about serving and asking. What would you do? Different. What would you add? And one thing I learned with the tech business. It's not you that's creating this tech business, it's your customers and that it's your ability to ask questions like I'm always asking, what features would you add? Or how would you improve this? And I've been taking those adding them back to the site, and the testimonials I got from just doing that have been worth its weight in gold is just to hear people say, Hey, you did exactly what I wanted added to the site. I love it. Just simple is that has been awesome, Sean, in in the few decades that you've been working, what? What do people not understand about what you do and for me talking to you? I said, I feel overwhelmed. What would you like? People don't know about what you're doing and even what you're trying to provide, so that they can understand you better and maybe appreciate what you're doing that is actually a benefit for them. That's a great question. I would I would say that investing is and this relates to a lot of things in life. It's a lot easier than you think and, you know, to take a step back. You know, when you're investing, you're investing in businesses that have proven themselves to do great in the past, and the likelihood of continuing on that path is usually very high. In most cases, you just gotta look at it that way. When you're investing in a business, you're buying stock. You're buying great businesses at a great value, and you're trusting in that business that is going to continue to go up. And it's really that easy. Seriously, you say easy and I look at your career highlights on your Web page and hearing some of the things you do like you are motivated. I mean, I don't know what keeps you going, but how do you stay productive? How do you stay on? Yeah, I mean, with your podcast. I you even mentioned you have another interview coming up soon. And like you're obviously on the goal, how do you stay productive and keep working and keep striving for what it is you're trying to attain? Yeah, I It took me a long time to find a passion. That was both something I was passionate about but can help a lot of people. And if you can find that sweet spot that is like motivating in itself like I was always motivated the work and and really driving towards early retirement. It's always been a motive, right after graduating college, like I'm gonna I want to retire early because I have tons of hobbies and I love traveling, and I love sleeping in on a Monday morning and all that kind of fun stuff. But it's like once I found like, Hey, I've got something here that can help a lot of people and a passionate about it, Just like that mission of just helping people you know, drive towards retirement and take control of their finances and, you know, put themselves on the path to early retirement that has actually become the the highest level you know, thing toe look at like, Hey, that's the goal. That's what the focus is. So that's really key Driver...

...now keep you productive. Yeah, the podcast is all about, um, financial independence. So I interview people who maybe they haven't achieved it, but they're well on their way. So they created some kind of revenue business model that's re occurring or leveraged income and really unpacked their story. Kind of what you're doing. So it's more approachable. Easier for people to say. Hey, I could do that, right? Yeah, your podcast. Payback time. It's very well done. Oh, thank you. What is? Because your I t guy and some people that I asked this question to get a little convoluted and thinking. If it's a singer, it's their throat or their mind. But what's your favorite tool? That you use something that you can't really do without? Yeah, In the world of project management, I use trail Oh, which is a It's kind of like for scrum right, which is essentially, you put tasks on a board, sign up to engineers and you move them through the process. Um, if I didn't have that, I'd have to get creative and use Google Sheets. There's something online, but but software engineering is a big part of my worlds, and I need continuously out put, you know, so that travel tool keeps keeps my software engineering team focused and efficient. You're obviously a worker, and you may lean towards giving financial advice, which is perfectly fine. But what would be your top tips for people getting in tow work or even as you did, changing careers? What, what would be a top tip? And it could be an investing tip, you know, save your 1st $1000 get your right. But what? What would be your for my listeners of why we work and what motivates people to work and understanding and promoting the idea of work. What would be a tip for people just getting in tow work or changing a career If they're disgruntled on their job or just fine? It's not really their passion. Yeah, let me share a interesting statistic for you. I want to talk about the work. Um, component. So and I was part of this. There's a stat out there. I have to look at the sources, but it's about 80% of the people out there working, and this is especially in the United States. 80%. It's not dislike. It's actually hate what they do for work. That's unfortunate. And there's numerous problems, right? Right. And there's components. There could be, um, management. It could be what you do day to day is in stimulating, and the Onley way you're gonna figure out something you're passionate about, is you. You unfortunately have to keep that job. But you've got to start to read and try and do stuff on the side. And, you know, do stuff that you like, But figure out how it provides value to others, because if you can figure that out, you can turn that hab your interest into a product or service, and that's like that sweet spot. But the Onley way to do that is you got to be reading and like, kind of trying and playing around with stuff and you here. I'm sure you've interviewed people. They they're creating something fun or doing something fun and realize, Oh, people want that as well. And then it turns into business like that. I love stories like that, but it's I love how you say it because I find a lot of people will say, Well, just quit your job and go do something else that you love. But you're saying Read up on it. You know, find this this niche of your the you know, the corner in your heart that you can put a spark thio while you work while you're paying the bills right. And that is very, very, especially from investors perspective. Thank keep the money coming in. You don't throw, you will thank yourself over and over, even though those years of doing that job was painful, that continuous stream of income into your investment account every month. That's why I tell people you just set that up. If you can as young as you can and just get a job, whatever it is. But that's what's most important is hitting your bank account every single month. And if you're using component trist, you go five years, 10 years, and that's maybe when you start your business, you're gonna look at your investment a company like Oh my gosh, I'm so happy I did that. There's a lot of people that don't want Well, that's gonna lead into my next question perfectly because I know you started at 30 or 29. 30 of investing and maybe you may give another answer, but what do you wish that you knew? And it's investing, and when would you have started? Oh my God, I love this question. So I wish, like a graduating high school or even in high school, I would have...

...known the power of investing because I would have focused Ah, lot mawr energy and money on investing. In fact, I'm not I'm not bragging. I'm just saying here that if I would have known at age 18 how to invest like I do now, I would have for sure. But if anyone knows that 18 now, I would have for sure been retired by the age of 30 for sure. Um, that's what a lot of investors say. I mean, it's not just people who know about compound interest. Yeah, and it's not because of the high paying job. It's because of yeah, compound interest. It is ridiculously powerful. But sometimes it just takes years of trial and error and this and that and failures and then realize that. Hey, compound interesting. It's kind of cool. Sean, What was the biggest mistake that you have learned from that? You were able to take fourth your young age? Yeah. So I do have to share this story. I'll try to condense it. But when I sold my first business and then got into the tech role in angel investing, there was one idea that I came up with. And in the concept Waas. You know how Groupon would take 50% of like a restaurants profits. They would run a Groupon deal, and in the service businesses, like a restaurant, they would take a law. Osos called the lost leader eso group on it as you know, in like 2009 10 11 12 and there a lot of other businesses like it kind of popping up and growing like crazy is a great tool to bring customers in with the hopes that those customers keep coming back because that's where these business would make money but that but a lot of them lost money. So a buddy of mine and I came up with an idea. We're like, What if Groupon was a model where the business is kept 100% of the profits? But the Onley paid a monthly subscription like of 100 bucks, No matter how much they made, they could make thousands of dollars a month, and people were like, Are you serious? Like, Is that a thing like, we'll give you money now? So we were selling subscriptions to this thing. We call it Point Fall because there's a point system in it and we're Yeah, we're selling subscriptions. Prelaunch hand over fist, Super Easy. And we even got a like a $2 million verbal buyout offer. I guarantee we would have never gone anywhere if you would have went to the negotiation table. But we were like our heads were in, the clouds were emotionally invested, and we're like this is gonna be a billion dollar business. The problem is, when we launched and this was around 2013 and I at this point, I quit my full time job and I want all in, like thinking this is like I will work off savings. Doesn't sound like the same advice you just gave a moment ago. No, this is a pivotal point in my life, but I'll share a fun, um, lesson here. So we launch and it was crickets. And the issue is this is a marketplace side. The marketplace site is when you have to audiences you have the businesses on one side paying a subscription, Okay, But we didn't have any consumers. So then we went into venture capital mode, which is going after investors and saying, Hey, here's our model. We need a ton of money Thio spend on advertising dollars, Facebook and Google to bring consumers in. And a few investors were like past hard passed there. A few of them that were like, this is a great idea, but you're about four years late to the party. Um, and at this point, I had burned through. All savings have gone into debt. And this was the necessary moment in my life that needed to happen because I told myself I will never become emotionally invested in a business or an investment in my entire life and although is painful, it taught me that. So I'm not kidding you, like with ticker Payback time in any individual investments. I make no emotional attachment and I'll say something here that is very contrary into a lot of people's thoughts is people can say their businesses their baby, and that is like the stupidest thing ever. Ah, business is a tool for good or a tool for bad. It's your choice what you do with that tool. Ah, baby is a human being, you know, the difference so seriously. Mhm. So now it's pretty practical advice. Yeah, right, right. So now with investing, it's that simple. Like, I just rely on the logic of ticker, you know, and just let those investments they're gonna in most cases, they pretty much girl. But it's separating the emotions from the equation. So anybody in business, I tell you, don't don't get emotionally wrapped up in your business. That's great. China. I know you're pressed for time Do you have anything else? Especially not people just getting into work to encourage people in the work. What I like to do with why we work is, you...

...know, I I know someone who didn't have a job for a long period of time. I kept talking to him, kept talking, talking to them. And then they finally got back into work or another person who was very dissatisfied with his job. And then he went and found something that he said, I wish I should have been doing this for decades, and then you find those types of things to encourage people in their work. Is there anything you have to add on that when you're in a tough position, like your day to day? You know, if you don't love your job, if you're one of those people that hate your job, it's tough. It's tough to go toe work. It's tough to do your job, but I stress if you want to create something like if you want to create your own business, you want to be an entrepreneur. If you wanna build wealth, Um, I do recommend. Don't focus your energy to do your job do your job. Yes, but learn the business. You're inside a company. Ask questions, jump in meetings, um, get involved with different groups of people within and just be a sponge and taken everything. And how that businesses run because I've done. I've done that with so many businesses I've worked for. And it's like a great majority of that information I can apply to building now, a tech startup ticker today. But if I didn't do that, I we kind of running blind. That's that's even some of the regular jobs that you hear about people are not doing that. They're not putting themselves completely in the business finding out and they're just, you know, accepting their jobs is Oh, this is horrible. But you know, there is management jobs they could move up to or different areas that they could move to. And if they're not thinking of that, they just think it's a dead weight job. Then they're bringing that attitude in even bringing it homos. Well, that makes it worse. John Pepper, how can people reach you? How can and, uh, your website again as well for ticker? Yeah. I'll give you give you two locations. here. So I'm very active on LinkedIn. Can just type my name Sean Tepper. And there and then ticker ticker dot pro, which is about T y que Our jobs pro. That's it, Sean. Tepper have one more question for you. Why do you work? We got a long pause here, but there's a lot of reasons I want to give you one good one. And that is I really love teaching people how to safe retirement and put themselves on the path to in early retirements. I love that. It's, uh I think if we boiled down, I don't know if you have any statistics on it. But the one of the biggest battles in the household would be the insecurity of the future financially. And so, if you could do that to help people, you stop a few boats in a house If people find financial security of knowing that they have a plan, Yes. Yeah, I would agree to that. Perfect. Sean Pepper. I appreciate you and your time. You've been a great guest and I'd like to talk to you again in the future. Awesome. Well, thanks for the time, bro. I appreciate it. Thank you. for listening to this episode of why we work with Brian V. Be sure to subscribe, follow and share with others so they to be encouraged in their work. E hope that you have yourself a productive, joyful day in your work.

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