The Impact of Life Insurance: How It Safeguards Your Legacy

Brett McCollum (00:00.885)
All right, guys, welcome back to the show. I am your host, Brett McCollum, and I’m here today with Janeisha Farquharson. And today we’re going to be talking about life insurance. Before we do, guys, at Investor Fuel, we help real estate investors, service providers, and real estate entrepreneurs to 2 to 5x their businesses to allow them to build the businesses they’ve always wanted and live the lives they’ve always dreamed of. Without further ado, Janisha, how are you?

Janeisha (00:25.72)
I’m doing really good. How are you? And thanks for having me.

Brett McCollum (00:30.197)
Yeah, I’m great. Thanks so much for being here. I have enjoyed tremendously getting to know you these last few minutes before the show started. And I’m honest to goodness, I’m really excited to talk to you about like life insurance and everything that way. But before we do, before we get into all the things, let’s do this. Let’s back up a little bit, rewind, catch the people up to speed. Let’s tell us a little bit about who is Janeisha? How did you get here today?

Janeisha (00:40.096)
you

Janeisha (00:45.527)
Mm-hmm.

Janeisha (00:53.55)
So, Janeisha is just a girl from Brooklyn, New York. Raised in, I wanna say a two family household, but my family had me, my mom and dad had me when they were really young, so I was raised by my grandmother. Raised in an entrepreneurial household and…

I actually got into the insurance business during, after the pandemic when I graduated from college and everything was frozen, know, nobody was hiring and the opportunity came to me to get into the insurance business and.

It was something that I was always wanting to do in terms of following my entrepreneurial spirit that I seen growing up in my household. And now I’m here and now I primarily work with real estate investors to help them not only protect their portfolios, but also scale it using life insurance strategies.

Brett McCollum (01:54.963)
Very cool. So let’s back up a little bit. Raised more or less, you said, by grandmother, is that correct? Correct. And you mentioned in an entrepreneurial type of home, what did that look like? What does that mean?

Janeisha (02:02.412)
Yes, yes.

Janeisha (02:10.272)
So my grandmother had multiple businesses. So first she was a chef, so she had her own restaurant. She also had a event space, like a club space. So she had like one mixed-use property that she had a restaurant in, and then she would rent out the tenants. And then she also had another property like two blocks away, also in Brooklyn, New York, where she would rent out people for like parties, baby showers, a really nice space.

Brett McCollum (02:38.549)
Here.

Janeisha (02:39.658)
Also, we lived in a nice two-family home. My brothers, my uncles, everybody in the house all together. And she was the primary breadwinner. And she basically built and did a lot of it herself. And I grew up seeing that. I grew up seeing, OK, this is possible. And I like this lifestyle that she provided. So I would also like to provide that for my family as well. She just showed me that it was possible.

Brett McCollum (02:53.034)
Yeah.

Brett McCollum (03:07.445)
Yeah, that’s what an incredible opportunity, right? To look at, you know, in representation to have that you know that like this is what’s real. I’m gonna ask you a question though. We did not talk about this though, now saving it. You ready? I know young me, young Brett, I was, I didn’t really know what I didn’t know. You know what I mean? Like when you’re young, you’re naive, you’re immature potentially, you know what mean? That sort of thing.

Janeisha (03:12.812)
Yeah.

Janeisha (03:18.423)
Yeah.

Janeisha (03:22.744)
What’s that? I’m ready.

Janeisha (03:36.611)
Yeah.

Brett McCollum (03:36.725)
Did you always realize what grandma did as far as the entrepreneur side? Were you always aware of it or was it later in life that you really go, huh, this is how this happened? Did you have it, what did that look like?

Janeisha (03:51.662)
I would say naivety is correct. She made it look easy. Let’s just say that. She made it look real easy. And I was born after most of the hard work was done. Let’s put it that way. So I just got to reap the benefits of when the business cycle was on the high end. And I think that as I stepped

Brett McCollum (03:59.988)
Hmm.

Brett McCollum (04:07.944)
Okay.

Brett McCollum (04:16.415)
Okay.

Janeisha (04:20.674)
more into my own entrepreneurial journey, insurance and real estate, I really started to see like, wow, this is a grind. This is a lifestyle.

Brett McCollum (04:30.835)
If you had a chance to sit down with grandma and talk about that since.

Janeisha (04:34.894)
no, but she knows that I’m grateful. Like I haven’t like really sat down with her and like just told her like, like I know how hard you work. Like she knows, and she’s very old school, like Jamaican from the island. And I don’t know if you know, they’re hard headed. They’re hard headed.

Brett McCollum (04:52.981)
I mean, I have a friend who’s Jamaican and that holds true for him too, you know, very, very.

Janeisha (05:02.548)
Yeah, he was raised in the country and yeah.

Brett McCollum (05:06.709)
Yeah, but I mean to that end though, like that’s where I would imagine the how you get stuff done. You know what mean? Like that stubborn spirit of like, there’s no, there are no such things as excuses. We just do it.

Janeisha (05:14.252)
Mm-hmm. Mm-hmm. Mm-hmm.

Right. And, you know, she succeeded at a time when it was like way more prejudice in America with less resources. And now it’s like we really have no excuses, you know.

Brett McCollum (05:31.101)
Yeah, man, that’s, I would love to be a fly on the wall and sit down and hear like that conversation, you know, I think that would be so cool to like, how did you do that? You know, because it is not to say that it’s hard today, of course, like it is. But like that experience for her, I would love to hear that. Like when you started, what did that like, was that scary? How did you get through it? Why did you do it? You know, all those things I want.

Janeisha (05:42.475)
Mm-hmm.

Janeisha (05:47.544)
Mm-hmm.

Brett McCollum (05:59.005)
I got to have some like, my gosh, I have so many questions, but you have you getting to live in that environment, you know, even like that osmosis of just being around the exposure to it is really. It’s a cool thing, you know, to sit back and see that.

Janeisha (05:59.074)
Right.

Janeisha (06:10.071)
Yes.

Janeisha (06:16.353)
Yeah, for sure. Definitely learned a lot of good work ethic for sure. Drive.

Brett McCollum (06:22.602)
Yeah.

Yeah, so let’s catch up a little bit. So you graduate high school and then you go into college. Did you always, through college, did you know, I’m gonna land on insurance or what was that going through college, what was that like?

Janeisha (06:39.226)
No, absolutely not. To be honest, I don’t really care that much about insurance. And I didn’t even know much about insurance because when you’re younger in college, know, insurance, know, people think about death and, know, obviously, you know, providing for their family, God forbid, if something were to happen to them. So I never got to that stage in life yet. I have no kids. So I did not think about insurance at all.

Brett McCollum (06:46.162)
Okay.

Janeisha (07:07.414)
know what I mean? When I was in college and high school, well I’ll take you back even more. When I was in like middle school to high school, I would say I wanted to be like a math teacher because I was really good at math and I really liked my math teachers. Like we used to hang out at lunchtime together while all the kids were in like recess. I would like stay with the teachers and like we would have lunch together. And then high school, I started to want to

Brett McCollum (07:07.562)
Mm-hmm.

Brett McCollum (07:18.805)
Okay.

Brett McCollum (07:29.365)
huh.

Janeisha (07:35.892)
own and start my own business, but I didn’t know what I wanted to do. You know, I was just like, damn, like, you know, what am I good at? Like, so we like started to like try to figure that out. And then in college, I went to Baruch College and I really wanted to study business management just so I could learn about business, obviously. Right. And it was a really good business school. I took business classes, even though I was in like the business department.

Brett McCollum (07:39.029)
Mmm.

Janeisha (08:06.146)
My degree is in business communications. yeah, I just felt like I was like figuring that out mostly. And then when, you know, pandemic happened, that’s when I graduated from college. That’s when this opportunity presented itself for me to actually learn business, you know, find ways to add value to others.

Brett McCollum (08:09.972)
Okay.

Janeisha (08:34.39)
And insurance was the vehicle for that for me. And eventually I just started to really enjoy it. You know, the relationships that I built with my clients, like, were really tight-knit. I’m going to baby showers, weddings, you know, saying happy anniversary. So like, we really became really close. And I feel like my business now is really about serving.

others mostly.

Brett McCollum (09:05.385)
Yeah, yeah, I love that. It’s not, how do I say this right? It’s not insurance, because like you said, insurance is just, it is what it is. It’s the relationships, right?

Janeisha (09:20.428)
Yeah, it’s a relationship, I say like, when I, and when I say I don’t care about insurance, I mean, like, I don’t care about the product itself. We all care about what it can do. I care about what it does for my clients. I don’t care about the product itself.

Brett McCollum (09:33.001)
Yeah.

Brett McCollum (09:36.915)
I love that. I love that. Because I mean, that and that’s what I hear from you is, it’s like what it can do, but like for people that I can serve, you know, and that level of services obviously worked for you because it’s led to the, you know, weddings and anniversaries and baby showers and you know, that’s not normal, by the way, Janice should be like, hey, hey, hey, entrance agent, do you want to

Janeisha (09:45.194)
Exactly. Exactly.

Janeisha (09:57.894)
Yeah, I know. Do you invite your insurance agent to your baby shower? Not really.

Brett McCollum (10:02.133)
That’s kind of weird, right? But not for you, you’re building real relationships that transcend the insurance product, right? It’s not about that. I love that you did that. That’s incredible. Good for you. Question. And I’m just very curious, because you being in what I would call ground zero during COVID, right? And coming out of college and all that.

Janeisha (10:10.178)
Yeah.

Janeisha (10:27.01)
Yes.

Brett McCollum (10:31.753)
What was that experience like living there? Because I know for me in Florida, an entirely different experience than what you guys went through in New York.

Janeisha (10:42.754)
What was the, so the question is, what was the experience like for me living in New York during the pandemic?

Brett McCollum (10:45.267)
Yeah, because like, well, kind of coming out and trying to start your life, right?

Janeisha (10:50.482)
Jesus. And you know what? I’m very nitpicky, right? And what I mean by that, Brett, is that I worked really, really hard to graduate in 2020, meaning like I took extra classes because I wanted an even number on my diploma. Who told me to do that? But I would say just a lot of unknown, you know, it’s a lot of unknown.

Brett McCollum (11:02.9)
Okay.

Brett McCollum (11:12.789)
the amassing.

Janeisha (11:20.044)
you know, toilet paper out in the store, everybody’s stacking up on toilet paper like the end of the world. But, you know, pretty much just like everybody else, like we were like still connected by like social media and our phone, but definitely isolated from others. So I think it was a bit of isolation, a lot of unknown just like everywhere else. But I don’t know, I feel like maybe it was kind of similar to everybody else in that kind of way.

Brett McCollum (11:48.415)
Mm-hmm. Yeah, like Florida did a lot more with trying to open things back up, you know, maybe even before some other places did, right? And even within that, local municipalities inside of Florida had some different rules as well. You know, that, mean, good or bad, depending on which side you fall on, that’s not what we’re here for. I’m just more curious about like, all right, like you said, the unknown in your…

Janeisha (11:59.32)
Yeah.

Janeisha (12:04.503)
Right.

Janeisha (12:15.778)
Mm-hmm.

Brett McCollum (12:16.436)
and I’m starting my life into this world that I have no idea what’s coming. Was, well, I see your head in your head, like, so, like, was that stress, like, real at that point? Like, what did it feel like?

Janeisha (12:20.66)
Don’t remind me.

It was real because it was just like, you can’t really pity yourself in a way because people have graduated during the great financial crisis, the subprime mortgage market in 2008. So you go in through something, you feel like, oh my God, this has never happened before. I’m special, but I really wasn’t because it’s happened to a lot of other people.

so really what I did was I just basically cracked down. was applying for a lot of jobs, doing a lot of different things just to like, you know, progress during the interview process virtually. and I got a lot of declines, probably like hundreds. Nobody wanted to hire me.

Brett McCollum (13:10.005)
Hmm.

Brett McCollum (13:14.665)
I mean, I get that. When you’re in that entrepreneurial mind, it’s hard.

Janeisha (13:20.11)
Yeah, yeah, I thought I was going to be working at first, you know, but, you know, life took me in a different direction. And, you know, I was just like, OK, if I’m working as an insurance agent for, you know, large insurance company, this is an opportunity for me to learn business, which is something that I always wanted to do and really see if I can, you know,

Brett McCollum (13:42.079)
Mm-hmm.

Janeisha (13:48.45)
produce because you when you work for somebody and exchanging your time for money you know you could do the bare minimum and get paid right whereas if you have your own business you’re paid based on your results and you know how well you can execute so I’m like okay I’m betting on myself that I can execute now and that was a scary thing to do.

Brett McCollum (14:05.183)
Yeah, well let’s talk about that, because that’s actually a really good point. you’re working with this larger organization, but it is still the phrase that they say in sales, you can only eat what you kill, right?

Janeisha (14:12.494)
You’re showing something? Yeah.

Janeisha (14:20.534)
Why you eat what you kill absolutely yes

Brett McCollum (14:23.189)
and you’re coming out of this whole, you know, the pandemic, you’re coming out of COVID, you’re coming out of all this stuff, all this unknown, and now it’s, and by the way, now, Janisha, you have to now only, you can only eat what you kill. How did you learn, was that always within you? Was that something that was a learned behavior? What do you think?

Janeisha (14:34.734)
Need me to kill? Yeah. Whoa.

Janeisha (14:45.632)
I had to figure it out, right? And I was learning as I go. I think that what I enjoyed the most about it was that when I was in college, a lot of it was lecture, notes, read book, memorization. Now I’m learning more tactically, the way how I speak to people, the way how I present what I offer, all really mattered now.

Brett McCollum (14:48.329)
Mm-hmm.

Janeisha (15:14.946)
you know, I’m learning on the fly and I’m like reiterating as I go to get better and, you know, grow my business and find different ways to market myself and speak and educate people. So the way how I did it was also by, you know, leaning on other people that I know, you know, I really started with family and friends. Then

Brett McCollum (15:21.994)
Right.

Janeisha (15:42.286)
I started to do like different workshops, the libraries, and I spoke on different panels and just different things to educate people and get my voice and my brand and what I offer out there. And it worked, I would say. Now I thought I was able to grow my business where…

Brett McCollum (16:01.909)
Thank

Janeisha (16:06.21)
I was able to go out on my own. left the insurance company that I was working with before because I know you, you said you worked at Nationwide prior to the interview. And you know, when you work for a company, you can only sell their products. Whereas I felt I would be more aligned with my clients needs if I stepped more into my own business as a broker so that I can, you know, shop around for my clients and get them the best deal and not, you know,

be on the insurance company side, I want to be more aligned with my clients and what they need.

Brett McCollum (16:40.405)
Yeah, well that’s a perfect segue there. I love that. you had the experience, you got some working real life experience in an organization. You realize this is something that I want to go into business for myself with to provide there for my clients. Today, what does the business look like for you today? You’re running your own business. What does it look like? What are you doing?

Janeisha (16:43.116)
Yeah

Janeisha (16:55.278)
Mm-hmm.

Janeisha (17:05.198)
So today it’s very different. So now I went through the process of vetting a lot of different insurance companies in America, like the top ones, Prudential, and the nation-wide of the world to kind of see, who is going to offer my clients the best? So I did that first and built those relationships with those insurance companies.

Brett McCollum (17:09.087)
Mm-hmm.

Brett McCollum (17:27.348)
Right.

Janeisha (17:32.782)
And I also have like my back office teams that, you know, you know, helps me structure policies for my clients. You know, helped me with, you know, providing with recommendations and different things like that. And really my main job right now is really being a consultant to my clients. So, you know, sitting with them, seeing what their problems are, what is there a problem here? And sometimes I have to turn people away.

if I don’t think that I can help them. And I couldn’t do that before. I felt very pressured to like push a product, push a sale. So now I feel way more at ease and at peace with my business now.

Brett McCollum (18:05.994)
Right.

Brett McCollum (18:15.849)
I love that. Yeah, peace is a big deal. really, mean, it really, really is. It’s probably the most undervalued thing in that any of us can, we just think work is everything, no peace is better. I truly, we talked a little, you know, kind of previously, you know, before we recorded too about the different types of products that, because,

Janeisha (18:18.506)
Yes, absolutely.

Janeisha (18:28.462)
peace is better. Absolutely. Your peace and happiness.

Janeisha (18:37.358)
Mm-hmm.

Brett McCollum (18:39.765)
A lot of our audience may have heard of life insurance and most people think of term and they might just know a little bit about whole, but maybe for the investor, what are a few of the products, a couple of things that you’ve seen and had success with for the investors you’ve worked with?

Janeisha (18:43.534)
Mm-hmm. Mm-hmm. Mm-hmm.

Janeisha (18:56.162)
Yeah, so for investors, they tend to need something that’s, you know, more longer term and that can benefit them while they’re living. You know, people think life insurance and they think that. And I used to think that too. So I think that as far as products, it depends on where you are and what your goals are. So it’s very important that you work with, you know, insurance agent, broker, whoever it is, that

is going to actually determine and ask you the right questions to find out what exactly is the need or what’s the gaps in your planning that maybe an insurance product could fill, maybe or maybe not, we don’t know until you actually speak with them. And I would say there’s TERM, which basically stands for temporary insurance, right? That’s how I like to think about it. And it’s similar to renting an apartment.

Like with the apartment, you have a lease, you’re there for, I don’t know, a year or two years. And then after the lease is up, you either renew it or you got to get out. Right. And it’s very similar to term. So you can basically rent the insurance for 10, 20, sometimes even 30 years. And that provides you with some type of protection, goth a bit of something, what happened to you. Right. And yeah, so term insurance is like renting an apartment.

You can rent it for 10, 20 or 30 years. And then, you know, the thing about term insurance is that, you know, if you don’t pass away within that allotted time, there is no money that’s paid out, right? So that is the risk that you run with term insurance. And then the one that, you know, most investors tend to use is the whole life. And, you know, there’s a lot of talk about, you know, infinite banking on social media.

Brett McCollum (20:45.034)
Right.

Janeisha (20:47.106)
borrow from yourself, buy five properties, make 5k a month. It’s not like that at all. I don’t particularly like the marketing of infinite banking on social media. I feel like it’s super misleading. I think the biggest misconception is that people think that, you put money into a policy and you borrow from it in 30 days or 90 days for your next flip. Yeah. And it’s not true. So life insurance is all

Brett McCollum (21:10.453)
I’ll bring you the extra part of it.

Janeisha (21:17.016)
more of a long-term financial tool for yourself. So there are products out there, don’t get me wrong, that do allow you to borrow up to 90 % of your cash value of what you put in within a year. However, I don’t recommend my clients do that because you don’t really see the full strength of the policy because it hasn’t fully matured and grown. It’s like you invest $10,000.

Brett McCollum (21:31.829)
in the year.

Janeisha (21:46.07)
in a year into your investment account and next year you take it out. You haven’t given the money a chance to grow and accumulate and really benefit you the way it’s supposed to long term. So on the whole life side, which is what people really talk about in terms of infinite banking, permanent policies that stay with you for your entire life that you will most likely use, you know, some people live forever. don’t know. Some people think that there’s permanent life insurance.

Brett McCollum (22:07.38)
Mm-hmm.

Janeisha (22:15.394)
that one, just, you as a set rate you pay depending on the insurance company work, but you may be eligible for dividends, which increases your cash value over time. And that tends to grow at a fixed rate. So as long as you living, it’s growing and compounding. and you can borrow from your insurance policy to do, you know, to fix that toilet when your renter calls that it’s broken. I’ve had clients do that. You know, boilers are very expensive.

Maybe you need to do a renovation or maybe a down payment on a house. So you have that flexibility with permanent insurance to use it for different things like that. And then there is the IUL. So that’s the one that’s most popular on social media for infinite banking. That one is different from the whole life in that your cash value that’s accruing interest similar to the whole life is growing based on

Brett McCollum (22:55.475)
Okay.

Janeisha (23:13.794)
the S &P 500, right? So as the S &P 500 has positive gains, you get credited those gains into your cash value. So that could give you a little bit more growth compared to the fixed instrument one, right? The drawback with the IUL is that you are capped on how much interest you get on your cash value, depending on the type of policy that you get. So all the insurance carriers are different.

some credit you 8%, 6%, depending on if the S &P is doing positive growth. But the positive is that if the S &P is negative, like right now with Trump and these tariffs and everything that’s going on, you don’t lose any money. So you have downside protection and people, know, psychologically like that. Like people don’t like the idea of losing money. So that is, you know, good for, you know, the certain type of investor.

And there’s also another permanent whole life policy called variable universal life. And that one is you get the full swings of the market. So if the market gets 30%, you get 30%. If the market is negative 16, your account is down, your cash value is down negative 16%. So there’s more risk, but also more reward with that one.

But most of the people that I work with tend to go with the IUL. And it’s very good for the investor who’s looking for mainly long-term growth and protection for their portfolio and to essentially pass on assets tax-free.

Brett McCollum (24:52.66)
Right.

Brett McCollum (24:56.981)
Right, that’s incredible. Man, that’s a master class right there for a minute. And that, what a great breakdown. Yeah, I tend to hear people in our circle, you know, they just call it whole life, you know, but I think what they’re probably saying is the IUL based on the description that you gave. So I’m ready to break that down because a lot of people are like, you should be doing the whole life thing, da da da da da, you know, and then you hear, yeah.

Janeisha (25:14.444)
Mm-hmm. Mm-hmm. Mm-hmm, yeah.

Janeisha (25:22.11)
Yeah, so, yeah, so I mean, I think that it’s like a technical difference. They’re both permanent products. Whole life is more, I think it’s a little bit more popular for people to say whole life than like the IUL and IUL just stands for index universal life. So the difference between the whole life and the universal life is the whole life has the fixed interest. Like I told you, it doesn’t track the S &P and

Brett McCollum (25:25.311)
Ahem.

Brett McCollum (25:35.093)
Mm-hmm.

Janeisha (25:51.118)
And it has a lot less flexibility with the IUL. You’re tracking the S &P 500 and you can also put in less money or you can put in more money into that. So you have a little bit more flexibility, which is good, especially for business owners or new investors who are just starting out. And, you know, they may not know what they’re going to make in the next three or six months. And they may need to be able to put it a little bit less or they may need to put a little bit more, you know.

Brett McCollum (26:02.771)
Mm-hmm.

Brett McCollum (26:14.067)
Right.

Janeisha (26:19.854)
because the whole life is really a big commitment. You have to be able to maintain putting in X amount of dollars, whatever you have set for yourself for the rest of your life. life is unpredictable. You may go into financial hardship. Things happen, life happens. So the IUL could be good in terms of the flexibility that it provides to kind of move with you as life changes.

Brett McCollum (26:46.025)
Yeah, really incredible. If people want to reach out at some point and connect with you, get to know you a little bit better and what you do, what do you think, what’s the best way for that to happen for them to connect?

Janeisha (26:58.4)
Actually, the best way to reach me is actually on my Instagram. My Instagram is I am Janesha underscore. So that’s I am J-A-N-E-I-S-H-A underscore. And that’s probably the easiest way to reach me. And in my bio, you can see like my email and also a link to schedule like a free consult with me if you have any questions or want to see if the IUL or the whole life ready of these products.

Brett McCollum (27:02.793)
Yeah.

Janeisha (27:28.074)
is even the right fit for you and what you’re looking to accomplish.

Brett McCollum (27:31.987)
Yeah, we’ll make sure we get that to the show notes too for you guys in case you were driving and you can’t write things down. It’ll be in the show notes. But thank you for doing this, Janisha, because this is really incredible information. think on the investor side, knowing what different options that we have that are out there, the more you know, the better we are, And being able to connect people with you, like you, to actually serve, you know, and get invited to the baby shower and get invited, you know, like,

Janeisha (27:47.63)
Mm-hmm.

Janeisha (27:58.784)
Yeah.

Brett McCollum (28:01.487)
What an incredible opportunity for you guys that are listening to connect with somebody that’s actually gonna care about you. So thanks for being here.

Janeisha (28:08.94)
Yeah, yeah, yeah. And I would say, you know, if you already have some people that I speak to, sometimes they already have an insurance product already. They have a whole life or they have IU well. And, you know, they don’t know if it’s performing as, you know, they want it to based on what they were hoping or what they hear on social media. So that’s something me and my team can look at to even, you know, make sure that it’s doing what you want it to do.

Brett McCollum (28:34.421)
Love that.

Janeisha (28:36.224)
Yeah, that’s probably like I see that a lot. I look at a lot of policies. We look at a lot of different policies and see, you know, what’s going on. And another thing, too, is if you are working, I would say if you’re working with an insurance agent at, you know, any of the companies in America, I think that the value that me and my team bring is that we can definitely shop around with you to make sure that you’re getting the best because a lot of times you

You have to work with one agent here and work with another agent at another company and another agent at another company to kind of see who’s going to give you the best. Because ultimately, it’s your money and it should be working hard for you. So we can kind of do that one stop shop for you and just really make sure that you’re getting the best and the best value for what you’re looking.

Brett McCollum (29:22.207)
Yeah, incredible. Yeah, this has really been great, Janisha. I wish we could keep things going. But thanks for doing this. We’re going to have all the information in the show notes. Guys, I strongly encourage you to reach out and connect, just even if it’s nothing more than to get more information, right? Yeah, this is phenomenal. So thanks for being here with us today. I really, really, really appreciate it.

Janeisha (29:38.698)
Yeah, any questions you have?

Janeisha (29:46.518)
Yeah, thank you so much for having me. I had a great conversation with you.

Brett McCollum (29:49.267)
Yeah, phenomenal. All right. Well guys, this has been a great episode. I appreciate you guys taking the time and spending with us and we will see you guys on the next one. Take care everybody.

Janeisha (29:58.735)
Bye.