There's a rooster in this neighborhood that's like an adolescent and it can't quite do it. The cock-a-doodle-doo. And that, of course, that's the one that gets up at 4:30 before all the real roosters wake up because.

You see this? You better shut up or that's going to be your kids. See, it works. Just got to speak their language.

Welcome, BoomXers. Let's throw out the old playbook. It's time to tear down the traditional way of looking at your life and money and leverage the laws of money to our advantage. That's right.

There are laws of money and those who learn and leverage the laws of money wins and sometimes win big. Stay tuned as asset protection, attorney Darol Tuttle, educator, and leader of the Boom X Nation shows us how. Beginners, investors, entrepreneurs, fellow attorneys.

Are you ready? Are you ready? Let's arm this bomb. Now, here's the Boom X Show, The Laws of Money.

That opening clip of the show. The prequel clip was a very odd experience for me, impactful. I was in a place called Playa Santa. Playa, I learned means beach. And so like St. Beach, like Santa Claus beach. So like holy beach. It's a little town outside of Guanica, Puerto Rico.

And what's amazing about Playa Santa is it's regarded as one of the best beaches in Puerto Rico. And it is on the Southwestern little tip kind of sorta of Puerto Rico. And I don't know how it is like in Puerto Rico, that's where God keeps all the sunsets, because there's just something about the way the sunset.

Like I never took a bad picture of a sunset to the point where, you know, of course all my friends back in the United States are getting sick of it. Okay, we get it. There's a beautiful sunset, but no, I'm like, you don't understand. This is God's studio and Playa Santa is situated in such that you could go to by my remote beach, I will tell you about in a minute and watch the sunrise.

And then later that day in Playa Santa just maybe two and a half miles from where you saw the sun rise, you can see the sunset. Think about what I mean, like if someone ever said look at this beautiful sunrise, I go, oh yeah, I can beat that times two look at this sunrise. Look at the sunset. It's not a competition in bicycle racing, which has been my passion for a long time.

I always say when one man rides a bike, it's a bicycle ride. When two men are together riding their bike, it's a race competition, but plays Santa was a place that I had decided to move to. I had signed a lease on a beautiful location overlooking the water. And every other day I drove to a remote beach just outside of town.

And by remote, it was practically impossible to get there to the point where I had to buy a Jeep gladiator. And once I bought the Jeep gladiator and drove to my remote beach, I was able to then explore further roads that I could not pass with a rental car. And I just discovered that with a Jeep.

This road, God knows when may it was made by the Romans or something back in the empire days, because it was a primitive road. Didn't look like anyone had ever driven on it. And I would find unbelievable spots to pull in these like hidden beach. I can't even describe it. I'm just, it was just like, I have an app on my computer.

It's called Grammarly and it records, it corrects all the typos I make when I write and I write a lot, my brain goes quickly and my fingers go slower. And so there's just carnage behind my racing cursor and Grammarly also keeps track of all of my writing and then reports back to me like how I'm doing.

And I've always, since I've been, since I signed up for the application started using it, I've always been about 96 percentile. And what that means is I am more productive than 96% of users by vocabulary is like the 98th percentile. That's not to boast. It's just to say that Grammarly has given me feedback that I always have something to say.

I say it in a way that other people don't and I typed 1.1 million words in the last 12 months. And what's staggering about that number is that is just the words tracked by Grammarly. I only have used that. I can only use that app when I'm online, typing something. Most of my writing is on desktop applications on my computer, like Word or whatever.

And so what, maybe I type 3 million words last year. And the beauty that I saw at a Playa Santa in that area, like I'm struggling. I'm like sputtering to describe for you how beautiful it was now. I want you to take just like every human being. I think I hope anyway, can be moved by a beautiful scene in nature.

There's nature, a remedy to a troubled soul. It can be a source of inspiration. It is a place where we can forget the troubles of the artificial human made baloney that we have to deal with every day. And so just imagine how you would feel if you found one of the most beautiful places in the world and how thrilled you would be to just realize, oh my goodness, this is just the tip of the iceberg. Like you could spend a lifetime here and find one scene of inspiration after another. And that is why the Puerto Rican's that I encountered while I was there always w believed in, would say without exception that regardless of their economic condition, regardless of how hard they work, they live in paradise and gosh, darn it.

They do. Now. I also point out to you. I played a little thing about the adolescent rooster in the beginning of the episode, to juxtaposition it and to explain, let's give context to the very next clip. And I use that term juxtaposition because I'm yelling at roosters at 4:30 in the morning because the night before I'd gone out with my friend, Jose and candidly woke that morning, a little hung over. It's not my fault. Look, Puerto Rican's very different culture. Like when you say, oh, like a Glenlivet neat. You know what they say in Puerto Rico? The bartender say when I'm like, first time I heard it, I thought he was kidding. I realized, oh no, wait, stop.

We had a little bit of fun the night before and 4:30 in the morning, the rooster start. And sometimes you can take it and sometimes you can't Puerto Rican's have great respect for animals or at least the privacy of animals. And therefore you do not see dogs unleashes in Puerto Rico unless an American is behind it, the dog.

And they have horses that just wander around and chickens and roosters everywhere and they get up and they, it's country living and I grew up in that a farm community, a small one. So it speaks to my soul and but the roosters are doing their cock-a-doodle-doo. And so I said, either I lose it, go running into my my rental and pull out a carton of eggs.

And I yelling at these roosters, showing them the carton of eggs. You'd like to see you shut up because there's going to be your kids. It was fun. A break from that. Every other day I drove to that remote beach I referred to earlier and would pick up plastic off the beach. The whole time I was there.

I only saw it to other human beings. So remote, it is remote. My theory is that this beautiful beach that was just strewn with plastic. It was the Caribbean that had vomited it onto the beach, like choking on human disrespect for nature, because there's not enough Puerto Rican's certainly not enough in that little area that was country living or in the entire light, maybe all of San Juan, if they ever went threw plastic on that beach, like maybe you could cover it.

So I don't know where the plastic is coming from, but the beautiful beaches and Puerto Rican are just pockmarked and sometimes just covered with plastic. It's horrible. I am not an environmentalist. I'm not a sort of guy that gets worked up on stuff. I am from the Pacific Northwest and we do tend to like our hooted owls, but that is not part of a pattern of my past, but I just got angry. This is ridiculous. No one's going to do it. So I'll do it every other day. I drive out there. I've been sitting in front of computer for 25 years. So I'm telling you bending over and picking up plastic off a beach man. That is grueling work. And I, by the time I had threatened the descendants of the roosters, you see these eggs, these dozen eggs, these are going to be your kids if you don't shut up, which worked for a moment. But I jumped in the car as was, or the Jeep as was my tradition and got the plastic bags and the mosquito repellent and drove to this amazing place.

Unfortunately, by the time I arrived to the beach, I had received notice a text that my, my grandmother had a major stroke and was not expected to live. And in fact, she passed away, I think within 24 hours.

And this is how, by the time I got to the beach, you can hear the impact it had on me. That experience was at Playa Santa. And I then go on to give some background that is relevant to episode three. So just imagine a 55 year-old attorney, getting out to a beach and then being hit with this.

So after I yelled at the roosters, threatened their descendants, got a message from my cousin that my grandma had a stroke. You got to understand I was with my grandma when I was three years old. Grandma and I were riding in that pickup with grandpa. He was driving. She was in the right side. I was three years old in the middle of no seatbelt. That was back in the late sixties. And he had heartburn we pulled over to get comes to on for the on down the road, pulled over to a wide spot in the road.

And he opened up the pickup truck and got out and then fell down and never got back up. So I was with her when that happened and that event changed everybody's life. And so I was raised by my grandma and my mom.

People ask me sometimes, okay, couple people. Why are you cleaning the beach? One person thought I might be doing it to impress another person? No, that the person that she suspected I was trying to impress, doesn't even know I'm going to the beach. Wouldn't care if she didn't know. I have no idea.

But today I'm cleaning the beach for grandma. If I can get up, you don't even have to watch this because it's going to be painful.

Hey, BoomXers, Darol Tuttle here. We all want to take care of our families. Being a hero to our families can sometimes be a little bit intimidating, conquering the paperwork, understanding the account statements. What is the first step? For years, I would say you have to meet the laws requirements. You must first start with legal documents.

Well of course I would say that I'm a lawyer, but now in hindsight, I realize that meeting the law's requirements without the proper system in place to, in a sense, have a place for the legal documents to exist and reside along with your financial information, along with all of the important information about you and your plan to build family wealth is meaningless, but where to start?

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Look, this podcast is about the laws of money I had promised you that we would get off the topic of death and whatnot. I am not at all. Unaddened and grieved at this point about my grandmother's death, but just think about it.

I can't even, I'm struck with the drama of what's unfolding here. If you listen to episode two, my father had died what six or seven months prior. And I had just let the tape roll as to my feelings about it. And that episode has nothing to do with the laws of money except to illustrate how a family leader that fails to lead leaves carnage, financial, and emotional with his family.

And episode three happened just to be emphatic. I had pointed out in episode three and told the story of a three-year-old version of myself, witnessing my grandfather having a heart attack and dying bright right in front of me. And then to illustrate the importance of family leadership, the impact that death had on the course of my family, my grandmother was with me as indicated when that occurred and now she had passed, this is just ironic that, my grandmother was 98 years old.

God blessed her wonderful woman. It's troubling to think that she will not be on the planet. I mean that she's no longer here because she had been so omnipresent during my lifetime, but it's time to move on. And in a way her death really sealed a package for me. I have been thinking about family wealth enhancement and how it's different than estate planning.

Essentially, episode one introduces you to the background, myself, the purpose of the show and my decision to go all in on this podcast. And then episode two is about my family. Episode three is four is about family wealth. Like the Rockefellers, the Kennedy family's of the world of flourish. They were successful for generations.

Why? Because they had a mindset and a vision about money that is not common. Even people like I'm in this bizarre world I find myself in now the money world and it's in it. All of the people who are just talking about like entrepreneurship, business and production and all of this. They could well nigh be making a fatal mistake and that is looking at it generationally and it will be gone within a very short timeframe.

And so what is a mindset in the system that the great families that flourish? How does it differ from this? Thinking about wealth and family as if it is just a estate transfer. Now we don't need to get into that right now, because I have dedicated myself to also have episodes that are like lessons of life. The laws of money and lessons of life.

And I don't know what this episode is because there's all kinds of things happening here, but it ties it all up. I hope I have illustrated what a generational family can go through and the emotional impact it has on children and grandchildren when there's no vision.

Okay. 3 million words typed last year. Hopefully that soundbite gets to the point much faster. Now here, the story does not end, as you can imagine. So I came back to the states for the holidays, but also to organize myself for this move to Puerto Rico. And I will be, gosh, darn. God uses Playa Santa as the studio for sunsets.

God also decided to use Playa Santa in Guanica is the epicenter of a swarm of earthquakes. I'd never heard that term, but that's what geologists, or earthquake people call it a swarm. And Guanica's has met over a thousand earthquakes, they are still going on. They had one within the last 24 hours and at first these are just earthquakes.

As I point out California, they think they're veterans that have earthquakes. These earthquakes were many above 5.0 and at least to about 6.0. And so there has not been like a big one that has devastated Guanica that would be so dramatic. Even CNN would cover it. It's just been an unrelenting, tremoring and weakening of the infrastructure, the commerce, the commercial buildings, the residential buildings and the people of that area that I had connected with and a place that I was about to call home. And so Guanica, the middle-school collapsed, the pharmacy where I bought bugged juice, collapsed the place I would go for coffee and these weird pace that's gone, the roads are shaken and people are, oh man. The thing about Puerto Rican's, you have to understand these are resilient, tough people over and over again.

I would encounter people, talk to them in here stories about working 12 hour days, seven days a week, and being paid far below minimum wage, not only minimum wage in Puerto Rico, but minimum wage when they had traveled to and worked in the United States with only one exception. Apparently there's like a pattern of Puerto Ricans going to United States to work and then being taken advantage of because they're not as comfortable and conversant in the language in the culture of America. And it's unlawful as an attorney. It just gets me to the point of anger. I can only, you can only solve so many problems at once, but the, these are hard working, sincere people who take a diversity hardship and labor in stride and still remain incredibly warm and generous.

And it is, I've never been in a place like it. And and let's just go over the places I've been to Kobi Japan. I've been to Hong Kong. I've been to Taiwan. I've been to Turkey. I've been to Egypt. I've, I've traveled in Puerto Rico. There's some unique people there. And so I've been beside myself, like what my friends, can I go back to Guanica?

Is there anything left and how are you doing? And this, that, and the other thing. And if you can make it to the end, there is a financial investing tip. At the end of this episode, that I am serious is a legitimate opportunity and, or a lesson in money that I guarantee you never thought about, but other people have.

And the people who approach investing in this manner have done very well for themselves. It is definitely worth the wait. And it looks like we have to take a break. When we come back, I will introduce to you Alex and Jose, at this point, they're like family. They will lay the framework, paint that mental picture theater of the mind as to the situation on the ground, but also.

Do a great job of a segue to a very unique investment model. We'll be back right after this.

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Welcome back. One of the people that you will hear from in a moment is a guy named Jose. It's actually all, this is his fault. I had gone to Puerto Rico to participate in a mastermind with entrepreneurs from, Australia all over the world and it was great. And I, after the event was over, I decided how much I got Puerto Rico.

And I just started driving and drove for I don't know, maybe four hours? And keep in mind in Puerto Rico, four hours gets you about as far as the two hour drive in America would get you, but it was amazing. And I ended up. Encountering this weird dude and Puerto Ricans are very conversant.

They're very friendly. And they, you think I talk a lot. These guys reduced me to silence. I just love watching it. And if you listened to the very first little clip from the beginning of episode one, I'm talking to my friend and he had said you are sitting on a bioluminescent bay in Guanica.

That is, and I had read about it. I knew about it, but there was no indication that when I finally got tired of driving and pulled over at this nice hotel on this body of water, that it was the location. And I described jumping in the bay at night and how magical it was. And one of the most impactful moments of my life later, I find out oh goodness.

So Jose told me to jump in the bay at night, because when I swam everything would light up, which is an understatement, but then the people at the hotel point out, oh no, it's not safe to swim in the bay because alligators and bull sharks and I, oh yeah, baloney. I don't believe like Jose just left that little tip out and it turns out that there really are alligators and bull sharks in this location.

But I've been I have over a thousand scuba dives. I'm not afraid of alligators. I used to be in the infantry. I'm an attorney. I'm not afraid of alligators. And so a friendship that was just based on a laugh. Like when I'm with Jose, but I just laugh constantly. It's ridiculous. And so to hear the stress and fatigue in his voice is difficult for me.

The other person is a young woman who had spent some time in Florida, she was going to college. I think she's 20. And I met her when I was trying to find like a place to stay near Playa Santa. And I'm not kidding, within five minutes, her grandmother invited me to thanksgiving. I'm like, I just met her that is unheard of. And so I spent Thanksgiving with the family and the warmth and generosity of the Puerto Rican people has been evident, every sense. And so the question that I pose my friends is I'm just going to jump in and you can listen to the conversation. Hang on. If you can hang on, man, this investment tip is going to save your life.

Here we go. I have two objectives. One is to do the podcast thing. I want to ask you some questions about what's going on in Puerto Rico because I was supposed to do an episode on the earthquake last week. So I'm behind. So tell me, first of all, when you guys first started talking about the earthquakes, I thought you were kidding. Alex is the one that told me.

She goes, yeah, we've had earthquakes here. People say people occasionally say that if you know anybody in California they will say that all the time. Yeah. But didn't you guys just have a 5.0 yesterday? Yeah, I think it wasn't it like today? I like three o'clock in the morning or at least there was another one this morning. At 4 something I don't remember.

You guys have had so many earthquakes, you don't need that. Yeah. I don't know really what they eat. It's a little bit difficult. I was just sleeping. He changed. Everything changed. Yeah. What, the way we use the bathroom has changed. Okay. I got to hear this story. What do you mean? Would the earthquakes happening?

You don't know when they're going to come. So people, my grandma's taking showers in the bath backyard. People are scared to take showers and people are scared to use the bathrooms because in case something big happens, like we gotta run that's right, right now, the town in the middle of the time, when I live every everybody left, so.

It's basically a ghost town right now. The Malecon, it's open. Give him the space in the parking lot. They monster wouldn't come. Other businessmen can open the business in the parking. That is very gentle before from the owner and in France, it's going to be like a food truck doing sandwiches in school, but all the, all of the Malecon is open.

They have a, they don't have electricity or water right now.

Yeah. Right. And the construction so nobody gets hurt right now in the whole town. Umami is open Darol. Umami is open. But they close early. Nobody. They closed at 8. Exactly. But he's getting pretty hairy, people are getting through the day, they'll be busy and can just be so open.

It's the only other place in the 25th of July, the main road, when it came to town and you only have Burger King, then nothing else. Not even the McDonald's and McDonald's is broken. Oh my goodness. That is bad. I wouldn't McDonald's closes, it's a disaster area. Yeah, Donald ceiling fell inside, like fell inwards. Cycle buddy smashed all Antonina's Pizza. And I heard that Vermont is planning to open, like in three months from today, they're trying to.

Yeah. So it's total devastation, really? It's a lot of people like Alex say, eh, they have the showers in the, they do camping, they're sleeping outside their homes. Everybody's scared people are, this completely messed up. Even my mom, I have to go get him to the doctor today because she's the nervous.

Then she's very nervous me. I yesterday night I have a breakdown nerve a nerve breakdown because I have no job. I'm not making any money. And the situation, to take care of my parents and working as a voluntary is so exhausting that yesterday I was, I want a quiet one. I want to cry out loud or smash things.

I don't know what I managed to calm down yesterday. It was my day off my point break. That guy in the boiling point, what's hard last night earlier, like eight something on 8 PM. I was in my room, I get a shower and I was, I couldn't, I tried to play guitar, do some things trying to calm down. It was my time, I need to take your break today. I just help people in the morning. They did the whole day for me, because I need to calm down and I'm not going to lie.

My grandma met with FEMA to try and get the house sorted out because my grandma's house are, we can't live there. Like she can't go back to her house. The there's walls in the bottom of the house, like where the beach houses at Darol, the back of the beach houses, the wall has a hole big enough for me to put my head inside of it.

And that was just because of the earthquakes. And we have, the ceiling is falling in and the stairs to go up my grandma's house from the bottom to the top, the staircases are breaking too. So my grandma's terrified to be there. And the problem is that we have, my grandfather has Alzheimer's and we can't go to the camps because going to get lost there.

Yes, everything is so bad. Like we haven't been, I haven't been able to go back home in about a month since this happened, because my house also, my room, the floor has cracks in it. And the ceiling also has real big cracks. And you can see the division from the murals and where the walls were construct, where there weren't walls. And then they put in the walls.

Me I was lucky because I live in a wooden home. Yeah. But the people that have cement houses are screwed. The earthquakes don't stop and every time there's like a five and anytime there's anything above a 4.5, that my grandma's house just starts moving like it was a tree.

I was in the restaurant anyway, on and the same owner of the. And I worked like a couple of hours on Saturday. And if people have car was, they felt some little earthquakes there, like two point something like that.

But then 4:30 something in Saturday was the one that hit the 5.1, 5.2. They were used to find .0. I count myself when I realized it was checking. I count 12 seconds for me is the longest, one of the longest we felt.

Yeah. And there were a couple people from carwash. They panicked the husband of the, husband and wife, the husband get out crying shouting loud to the wife. Come on get inside, get outside.

We, we say, we're getting used to it. We had to adjust she couldn't even move.

She was like speak to the table and I'll talk to her. Mommy, are you okay? Or something? And she'd say, yeah, I want to run. I can't, I'm just freeze here. I can't move my legs.

Imagine having to run every time there's an earthquake. For example, at least for me, my grandma is terrified. And like I said, my grandpa says he has Alzheimer's. He doesn't know what's happening every time there's a big earthquake that we have to run. Imagine getting him up from the couch, putting on his shoes and trying to force him out the door in case the halls, the fall, the house falls down, but he doesn't move.

And sometimes it can be like two, three o'clock at night and a big earthquake happens and we have to force him, oh, wake him up in the middle of his sleep. He doesn't know what's happening and we have to literally pick him up and take him outside. And it's really tiring mentally and emotionally for the people that we have to deal with and watch over because they can't watch themselves.

No, I imagine your grandparents, with Alzheimer's all this stuff, all the people that are staying in the camp, the camps, like we don't have, we don't have work. We can't work because the beach houses aren't being rented. We don't have any money and not just that, but everybody's tired.

We have to, my grandma's thinking about renting a house in because she's too scared to go back to Guanica and take my grandpa, where are we gonna find the money? And we, if nobody's working, we don't have, we don't have a way to make money. It's school and it's shaking in school too like my school. I feel like it's gonna fall down eventually, but I'm scared of your safety first, your life is first.

But I have to go to school cause I can't miss cautious. And then I'm going to get in trouble for that. Yeah. And the thing is like ours, very so tidy money. We cannot afford to get a plane, to pay the ticket, to get to the work. I don't want to go, no, we don't want to leave because if something happens, if an emergency happens, at least use we're here in the island and we can take care of the houses and we can see what happens.

In the United States, if an emergency happens. We're just going to step back and cross our arms. My only attachment, you know what, I'm my parents, they're a little bit older than, there's the saddest thing.

Almost everything is destroying. Everybody's leaving town. Either population Guanica is about 15,000 and I know by this fact for me, like I've never seen a food truck a couple of days ago, worst 10 peoples in the line. I will say I worked buying some food. The people behind me, one of them was working here. The other aid, we were tending the line building a late we're leaving next day, for the money or the restaurant we left to all my neighbors. I have no neighbors right now.

Oh, if you get too much in the media, paid through Twitter and people getting here to take pictures and they go to San Juan or other places and say, no, I'm happy where we were. We were in Guanica and it wasn't true. People are here with the flag of Puerto Rico and everything, and they have ownership in their cars, but they are full of beers, they're just having fun and taking pictures.

Yeah. And not just that, but also there's a lot of people getting sick. For example, my, my uncle, my aunt, and both my cousins got sick with a really bad cold. Then I came down with her like Mary, a lot. I got the Monga and now I have a horrible cough without horrible phlegm. And it's to the point where me and my aunt are going to have to start taking like respiratory therapy because we're not getting any better.

Plus it since we're out of the house. We have to sleep outside so much. I be sleeping outside for two weeks and then the night cold and all the degrees and all the things that happened in the nighttime without getting the right coverage is getting everybody sick too. Like now I can't stay with my grandma and my grandpa and my uncles because I'm sick and we don't want to get my grandpa's sick because he gets sick he could pass away.

That's. I'm going to tell these stories. It's pretty sad. But yesterday, the 70 year old, 10 year old guy, he wasn't happy all his life. He lived right near my home, but we wasn't there. And he was talking to his brother and he put the 357 under his chin and he pull the trigger and he blow his head off yesterday. And there was some doctor, a heart surgeon who killed himself too.

Oh, they got the old guy. Yeah. He lives in the town, a couple of houses in my home. And he was, he went to church in the morning and everything. It was yesterday. It was Sunday. Everybody goes to church and Sunday, he went out and he was talking with his brother and he pulled the 3 57 and just put it under his chin. He pull the trigger. He blow his head with really awful 357 point blank.

Everything is going crazy in Puerto Rico. I just don't know what to do. I feel like we can't catch a break with anything there's things happening left or right. If it's not the earthquakes and it's not the tsunami, not that it's that if it's not that we can't work is because we're sick.

It's something, this is devastating. It's Saturday night, it was like nine 30. You cannot even just have a Wagoner Jeep or something like Tara can barely get in. I couldn't get it. I first two feet of water in front of the famous stone in the Malecon.

Got it floating everything, a lot of wood with males, whatever, you know, you can even one guy when he played all the flooded or the people detains, their growth test get wet. It was raining for a couple hours. Really, everything was flooded and people had to get out everything.

All the camps were flooded, so it was very. Now, that's the other thing that's happening. So since Maria, we got, we were supposed to have help from the outside, like water boxes and food boxes and things like that. So he could put them in storage and now people are discovering them and trying to get them out. And people are riding outside of the governor's house because she kept all of this from people that needed help and people that needed supplies and water and food and diapers and insulin and everything.

But the government is either putting them in storage units or throwing them away. Oh. And also they're distributing it like one water bottle per person. And are you serious? That's not enough. You're going to drink that water bottle on the way to the car.

Yeah. Yeah. People are bringing in tents. Also the government FEMA donated some tents for a few and people just have brought their own mattresses and blow up mattresses and how walls and things to hang up and just, we build them. And also the have donated. Yeah, we have a lot of help from people from the United States, from Puerto Rico, from everywhere, but they bring, a lot of things at first, we don't have food.

I literally have food now. So they have to eat for the medicines that we have in pharmacies. We have, we got something. The main thing is that people are staying out online. One, the two kinds of people that we put up, they're afraid and they're have a good home already said, defy that you're going to be so scared.

They don't want to stay in their home. So we put outside, doesn't matter if the mosquitoes get bigger sick, they don't want to be the ones that lost everything. They have no choice. You have to sleep. They're moving people to come through other camps. The government gets those a little money to try to relocate those people, but it's getting so slow. What at night everybody started working again. They, all of them were really out of town.

So at five or six, they arrive to Mount the tanks, places for this stuff. So drastic the change, from day one to day two, yeah, I'm not just babble. People are scared to sleep at night, like everybody's slipping during the day because our nighttime is when the big earthquakes happen.

So everybody's okay, we're going to sleep during the day. And at night time, everybody starts making coffee so we can stay up, and everybody is mentally exhausted mentally. Your profile, somebody and you need to hospitalize him because everybody is so bad quality. You had a mental breakdown yesterday and wait, I'm going to have a mental breakdown in the next two or three days.

I can already feel it. Cause I yesterday I ate a piece of chicken and I started crying and it's frustrating. It's really frustrating. I just go home and sleep in my bed, but I can't even go inside my house. I have my, I have mine yesterday, if you need to graduate, your hormones and they guys, what kind of government loudly talking about these camps?

What benefit your body? Your system, you need to do it to relax.

I feel like I can't even stress because like once, once I feel like I can finally sit down and take a breath, something else happens or something comes up or somebody calls me with another problem or something is happening. It's always a, something, it's you can't catch your breath.

Exactly. And when you most feel that bad, oh, tonight going lose something. So I'm tired and then he hit another one, a big one. Yeah. Yeah. It's I keep talking about, without my clothes on. And then I remember that there might be an earthquake and the feeling goes away.

Right now we need the most camping stuff, and averaging camping, because mosquito repellent has been my perfume for the past month.

We have a lot of people from the United state or where we go from our

first, we don't have food. We have Nicolax completely like complete, completely to the point where there's no, I hope that when the thing you did for the first, it was, with the first time it was going down and down, slowly slowly until he collapsed on nine. Why

Those are monitored. They get speed. They don't want to be, they have no joke.

It gone. Econ is not going to open for another few months and we're hoping that the only reason why the economy does do well is when all of this ends. Guanica might be a big tourist area because people are going to want to see what happened and not just that, but FEMA going in and out of the area. So hopefully, FEMA will create enough traffic with all the employees and plus the people who are going to want to come and see what happens when everything is done.

That's what me and my family are thinking might happen because once there's an emergency, once there's like a natural emergency people eventually like to go check things out. And we had a lot of things fall down and we had a lot of catastrophes happen. So there's certainly a lot of pictures to be taken, my family.

And eventually that's, what's going to happen. You brought by somebody, a unit call it. You had a mental breakdown? Cause yesterday I ate a piece of chicken and I started crying and frustrated.

I don't know if I have mine. I was, I would start buying everything because even in a while you take a year or less or more when I got to see one of the best beautiful beaches to Puerto Rico. So when you can feel me know everybody, the apartments for your family and yours. You will believe me, trust me in a few months, it's going to be full the whole next year.

We can get them up and running. If FEMA helps us fix the place February 12, I think they make an announcement that they're going to open in February something I think is not opening anytime soon. No, right now, no, not the road is closed. Darol that building the circular building that you wanted to rent up, that this is completely shut down too. Oh yeah. Cause this bike right next to the water, like people can't the front of the beach, the big building is closed.

Shut down, shut down. They cannot open it completely for the past month.

Yeah, it's weird because the bug juice that I bought when I was in Guanica, that building collapses the little pharmacy right across the street from McDonald's. Yeah. They complete completely to the point where there's no hope . It was, with the first damage, whether the weather was going down and down.

I know there's no answer to this question. And like Econo and Trasiego, the businesses that have been resilient. Things are, sounds like there's not going to be a population large enough for those businesses, even the resilient businesses to survive. So what that.

And we're hoping that the alternatives and that was the end of the interview, the connection became unstable and I lost them. But we think about disaster mental image is a physical catastrophe, but what would you do if the only grocery store in your town was shut down? And the thing about Guanica is after hurricane Maria, half of the residents had left.

And so it was I felt like I found it like a hidden gem because it was in such an amazing location. And I was baffled by how, like, where is everybody? And now this and so there you go. Playa Santa was a place, a beach that I tried to clean every other day of plastic and the scenery there was amazing. But so were the people and it, we're all, can't help, like watching a train wreck, but

Okay. Let's get back to money. I had a client, most of what I've learned of just from my clients, they've taught me as much as I've taught them because I know the law and I know it takes a long time as an attorney to realize what works and what doesn't work regardless of the Clayton election language in the last will and Testament.

And this guy. So we talked to, we were talking about investing, which I often do with my clients and he called it ghoul investing. I like the term zombie investing better. And here's the way it works. The whole premise behind investing is it's very simple buy low sell high, that's it. Now spotting an opportunity is extremely difficult if you are trying to leverage.

Let's dig really far into the charts and see if we can get a PE ratio that's favorable with a beta. These are guys who were looking at successful company trying to see trends and all that. That's why it's difficult for civilians for lack of a better word to compete with the market wallstreet.

Because of their massive institutional knowledge expertise and whatever. Now I can tell you most of the people, is that true? Most probably not true. A good percentage of the people who I have encountered in my career who have high net worth did so by violating all the rules, for example, one rule is diversify.

Modern portfolio theory is based on the premise that, Hey, you know something if you have multiple asset classes and multiple investment styles, you will outperform the market and do better if you were stock-picking. However, I have encountered plenty of clients who are extremely wealthy because in the Pacific Northwest Seattle, they bought based on emotion only.

And they S they, they chose stocks. It is not uncommon to encounter millionaires in the Pacific Northwest that bought Starbucks, Microsoft and Costco back in the day. And they just bought those three stocks and they held them. And now they're worth millions. Now that violates every single chapter of the book, let alone the book.

Nevertheless, the rate of return, their wealth speaks for itself. Also a lot of my clients who have done well have invested in real estate, rental properties. And so they have become good at spotting a value in their neighborhood, and they're going to outperform wall street as to rental property choosing in their own neighborhood.

Let that's your superpower. And so what is like goal investing? If you don't really want to get in the weeds of modern portfolio theory and compete with wall street. It's actually very simple. This funny guy is waiting, wait for a catastrophe. And you can think, like big corporations and or whatever, just like bad things happen.

And when bad things happen, people panic and the price plummets. Now, if you believe that this disaster really does not undermine the strength of the corporation of the stock, the value of the location, then there's an opportunity. Jose indicates that there are homes being sold for a thousand dollars in Guanica.

That was a lot of work to be done there. But when I was there, I just saw this vision, like talk about a place that is begging for a resort. There is no place I've been right outside. Guanica is very tight bay and outside of the bay, there, there's a beautiful reef. They have an island there that is no kidding called Gilligan's island.

The people go to it's just wonderful. That's it? That's it. For me. Beach resilience, Mormon generous ghoul investing episode seven is going to be about the secure act while I was in Puerto Rico being distracted by beauty president Trump signed one of the most impactful pieces of legislation as to my area of law.

I tell my clients all the time, don't worry, relax. America needs stable law as to the law rarely changes. Don't worry. Oops, secure act signed a December effective in January.

You should listen down.

Wait, wait. Hi. This is Darol Tuttle again, and this is what they call the outro.

Thank you for listening. I hope you like to show if I said something too quickly, you can go to boomxshow.com to check out the episode. Page, the notes, resources, all kinds of things. Check it out boomxshow.com

Okay. Okay. Now you can do the music. Yes. Now

I know. I thought that was good. That was good. My bad,

Where did everybody go? Hello? Alone again.