Welcome to the Join Up Dots business coaching podcast interview with Scott Alan Turner
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Introducing Scott Alan Turner
Today’s guest joining us on the Join Up Dots business coaching podcast is Scott Alan Turner.
He is a man who calls himself a rockstar, and with very good reason too.
No he doesn’t strut around doing the Jon Bon Jovi return,or perhaps he does.
Instead is he is a rockstar in regards to his methods for money management, and can help us all get out of debt, save money and therefore retire at a young age.
As he says “I grew up in small town America and now live in the big city of Dallas, Texas.
I’m an early retiree who gets to work because I want to, not because I have to.
If one of your goals is to do the same, I’m here to help.
My mission is to educate, empower, and entertain people from all walks of life by helping them experience real breakthroughs in their lives through hope and financial freedom.
My goal is to create insightful, relevant content that you can put to work simply and immediately in your personal life. “
Now that all sounds amazing doesn’t it.
How The Dots Joined Up For Scott
And what makes it even more amazing is this guy wasn’t born with an inherent skill to make money, keep money and grow his stash of cash
This guy was someone who as he says “I went from a money moron at age 22 to self-made millionaire 13 years later”
He has made huge mistakes in his past, but has learnt from them.
He has worked at filling in the gaps in his education to become a master of those mistakes.
And now with his platform, and newly released Podcast “Financial Rockstar” he is rocking and rolling and loving life.
So what was the moment when he realised that things couldn’t keep travelling on a one way journey to broke-ville?
And is this something that can be done easily, or is it a case of sacrificing every bit of comfort and niceties in your life?
Well let’s find out as we bring onto the show to start joining up dots with the one and only Mr Scott Alan Turner
During the show we discussed such in-depth subjects with Scott Alan Turner such as:
How Scott believes he could not have got to this point of success without the stumbles and falls he made financially as a young man.
Why it is so important to work out where your money is going, so you can start to grow the areas where you have the greatest monthly shortfall.
Why it is so important to work two jobs whilst you build at last six months of savings to ease into the world of entrepreneurial adventures.
Why he sold his business for a handsome profit and knew within two days that it was time to get going again. A life sitting on a beach, sipping cocktails was not for him.
How To Connect With Scott Alan Turner
You can also check our extensive podcast archive by clicking here – enjoy
Audio Transcription For Scott Alan Turner Interview
When we’re young, we have an amazing positive outlook about how great life is going to be. But somewhere along the line we forget to dream and end up settling join up dots features amazing people who refuse to give up and chose to go after their dreams. This is your blueprint for greatness. So here’s your host live from the back of his garden in the UK David Ralph
David Ralph [0:25]
Yes. Hello, everybody. And welcome to another edition of join up dots I mean, you had enough of this already, after nearly two years, nearly 500 episodes and you still coming in listening to us? Well, I don’t blame you because we have got the greatest guests and it kind of guests that when you first get introduced to them you think now that’d be interesting. But then when you delve into him you think nice guy is going to be really interesting. And today’s guest who’s joining us on the podcast is a man who calls himself a rock star and with very good reason to now he doesn’t start around doing the Jon Bon Jovi stuff, perhaps he does. instead he’s a rockstar in regards to his methods for money management account can help us all get out of debt, save money, and therefore retire at a young age. As he says, I grew up in a small town in America and now live in the big city of Dallas, Texas. I’m an early retiree who gets to work because I want to not because I have to one of your goals is to do the same. And I’m here to help. My mission is to educate, empower, and entertain people from all walks of life by helping them experience real breakthroughs in their lives through hope and financial freedom. My goal is to create insightful, relevant content that you can put to work simply and immediately in your personal life. Now, that all sounds amazing, doesn’t it? And what makes it even more amazing is this guy wasn’t born with an inherent skill to make money, keep money and grow his stash of cash. This guy was someone who as he says, I went from a money moron at age 22 to self made millionaire 13 years later. He’s made huge mistakes in his past, but he’s learned from them. He’s worked at feeding in the gaps in his education to become a master of those mistakes. And now with this platform and newly released podcast, Financial Rockstar, he’s rocking and rolling and loving life. So what was the moment when you realize that things couldn’t keep traveling on a one way journey to broke meal? And this is something that can be done easily always a case of sacrificing every bit of comfort and niceties in our lives. Well let’s find out as we bring on to the show to start join up dots with the one and only Mr. Rock Star himself. Mr. Scott Alan Turner. How are you sir?
Scott Alan Turner [2:30]
I’m doing awesome David and just to clarify, I struggle around like Mick Jagger rather than Bon Jovi. So thanks for having me on the show.
David Ralph [2:36]
Do you do you wear really tight trousers? Scott?
Scott Alan Turner [2:40]
I do have a few pair. Yes.
David Ralph [2:43]
What’s what’s the ones that your wife says? Nope, no, no, you’re not going out in that darling, you’ve got to just leave it behind.
Scott Alan Turner [2:51]
I’ve got a pair I bought a few years ago because we’re having a gig for my birthday party. And they’re these they’re black and gray striped pants. They’re quite tight. I don’t I’m as well anymore. But my wife, she actually has a pair of snakeskin pants that she wears. And she looks very, very good in them as well when we go out and she still fits in her pants. So it’s fun to go out with her when she wears that.
David Ralph [3:12]
And being an entrepreneur, do you worry about your image because you’ve got that branding a rockstar? So that says to me, but there’s a certain swagger there’s a certain competence about you? Or do you just go out as good as I always say to my wife, nobody knows me if I’m going on holiday. I just got no one knows me there I can wear what I want. Are you very different from that?
Scott Alan Turner [3:34]
I tried to portray a certain image when I grew up was interesting. When I started getting into personal finance, I looked at everybody else in the industry. And I did the exact same thing. I saw my first set of photo shots that I had for my website and even for my podcast, I’ve got a big smile. I’ve got a collared shirt on I look business II and professional like everybody else in this. And after a short period of time I realized this is not who I am. This is I look like an idiot. No I, I’m a rock and roll or I play guitar. I’ve been in bands I listened to metal. And I love that image of that because that’s what I am, those are kind of clothes that I wear my wardrobe probably four or five days a week is I wear camouflage shorts are in the house and black t shirts with band aids on them. That’s my personality. That’s who I am. So I said, this is what I’m going to portray with this personal finance business because I think people can relate to that they’re tired of the stuffy shirts, the ties and the suits. Now you can wear a suit and look awesome, which I do occasionally. I don’t look awesome, but I know that kinda like Justin Timberlake, he makes it look really good score in a suit. But he doesn’t look business he when he’s doing it. And that’s the kind of thing that I go for as well. And I don’t really I don’t, I don’t care what people think about my image. I am who I am. And I’m not going to try to be somebody that I’m not to fit in an industry that is typically Leah, stuffy. And so I’m trying to try to bringing a little bit of an edge to a otherwise a boring industry that being money.
David Ralph [5:04]
Well, I think you’ve done the right thing. And it’s interesting. We all do that, don’t we we all conform, we all go along that path of thinking that we have to wear the same clothes look the same way had the same frowns on our face. So it makes us look serious. But once you stop, and I supposed to touch on this so many times on join up dots because that is the moment when things start moving in your direction. When you go, Hey, I’m going to create my own path. If you love it, when you’re with me, and if you don’t go and find somebody else. But that’s when true loyalty comes, isn’t it?
Scott Alan Turner [5:37]
It is. And what we all need to realize is there are people out there that they are going to be attracted more to who you are, then somebody that you’re trying to be, it’s your personality that they’re going to connect with. People like to connect with other people like them. And there are other people out there like us or whoever happens to be, you know, if you’re in a certain industry, maybe you’re an arc or something there are there are starting to be connected to you based on your art and the way that you look. And if you’re in a cooking and you dress a certain way, and you make certain recipes are going to people that can connect it to you in that way. It’s funny when I hop on LinkedIn occasionally. And it’s really addicting when I get on LinkedIn, because I’ll get an invite, and I’ll go through it. And I just naturally start going through all the new listings that people that I could connect with. And I see all the professional photos with the people leaning against the wall, and they’ve got the business look. And then they get the serious look. And I just laughed myself at how they look like our high school pictures or elementary school pictures already going to smile a certain way. And it’s just funny to see that.
David Ralph [6:35]
So So we took you back Scott, obviously at the moment and we are going to come back full circle. That’s what we do in join up dots to where you are now. But right at the very beginning, you’ve done quite a few jobs. And it was literally that the boss was giving you the money and you was just handing it to somebody else it was slipping through your palms and away you go. When you look back on all that is that the true learning that has taken you to where you are now could you have got to this point without having the slippery fingers where all your money was just being wasted.
Scott Alan Turner [7:06]
I do not think I could have and those were my money more on my money mistakes today. And they helped craft who I became. So early on. When I got out of college, I had student loan debt. And I didn’t have a great at most people don’t get a great education about money when they’re growing up. The education I got from my parents was save some money. Mom and Dad, they never had car payments, they never owned a home. So those are things they could not teach me about. They couldn’t teach me about mortgages or car loans, interest rates that work for the town. So he had a pension, he didn’t invest in the stock market. So I didn’t learn about investing from him. So when I got out of college, my rudimentary financial education was save a little bit of money. But when I got out of college, I had student loans. And I took on credit cards to get credit card debt by buying awesome stereos because I’m a guy who like electronics, I got a car loan after that. And that got me into some financial trouble for several years. And then on top of that, I went out and bought enough too much house more house that I could afford. And at that point, I was getting kind of worried because once I had my house, I had an empty bank account, I wasn’t quite sure how I was going to make that mortgage payment that was coming up. And that’s where I really started getting my financial education. And I happen to because I was driving down the road and I saw some guy on the Billboard who had a radio show. I started tuning into a show and suddenly realized, well, there’s a lot more I needed to learn about money than I had learned about previously. So I made some conscious money decisions. I got rid of a car, so I got rid of my car payment paid off my credit cards started attacking my alone on my house ferociously. And that gave me margin in my life. It gave me an emergency fund, a little backup, a little cushion.
David Ralph [8:50]
But But how do you do that? How do you attack something ferociously? How algae’s find the extra money so that you can then tackle that load.
Scott Alan Turner [9:00]
The first decision smart decision I ever made was selling my car, because when you don’t have a car payment, nowadays, average car payment is 400 to $500 a month. So when you can free up four to $500 a month. And actually my car payment at the time was $800 a month. So when you can free up that much money, you can attack anything really quickly. You can attack your credit card debts, you can attack your student loans, and you can attack your mortgage ferociously, really quick when you do make a decision like that. Also, I quit eating out a little bit. I used to take my lunch to work every day. That’s a huge money saver as well. My wife and I went out to lunch yesterday. We both work from home. And we typically don’t go out to lunch, but she called me up says hey, let’s have like a little mini date in the afternoon says All right, let’s go out. And it wasn’t anything fancy. We went to this burrito place just opened us $27 for lunch, which was ridiculous. I’m honestly I’m way out touch Come on. By
David Ralph [10:02]
27 for a bit of afternoon delight that that’s worth the money in there.
Scott Alan Turner [10:07]
Oh, it’s crazy. I’m reminded of when they interview politicians on TV during debates. Sometimes I’ll ask them, Do you know what a gallon of milk costs because they want to see how in tune they are with the average Americans sometimes they don’t know. They don’t know how much a gallon of milk costs. So apparently, I’m out of touch. I did not know how expensive lunch was I’ve been eating at home for so long. But yeah, that’s a huge money saver not eating out for lunch every day. Now it’s okay to eat out lunch once in a while if you can afford it.
David Ralph [10:33]
Because one of the things I’ve always done and it’s funny, I’ve got a book in front of me, you probably notice guy t have accurate Secrets of the Millionaire Mind. And I have always had pots. So I will move a certain percentage of my money into one pot and a certain percentage into another one. And at the end of the month, I will mentor play around with it. But my wife go, oh, let’s go out and do this like oh, no, no, there’s not enough money. The part I’ll just take it from the other way. Is that a good way of doing it by early money management? Is that a good way of actually setting your stall out right? Or do you have to go through the mistakes that you made?
Scott Alan Turner [11:14]
or certainly you don’t want to go through the mistakes I made when I teach people about money. Now Yes, we do. Talk about pots in what I teach we call them envelopes. Very similar concept. You start out at the beginning of the month, you kind of Hope you know how much you’re going to make through the month. If you’re a full time employee, you kind of know what your salary is. And you spend the money on paper before you spend it during the month. So if you know your salary is going to be x, figure out all right, my mortgage is this car payment is this we know we’re going to spend this much and electricity, we want to save a little for vacation, we want to save a little for our investments. for retirement, we know we’re going to have $200 $300 this month to spend on going out to the bar and having a beer going out with our friends having people over to grill. And that’s the money you have for them and you just stick to it. If it’s the third week of the month, and you run out, sorry, you’re not going out to the bar next week. But after a period of time, some people feel that this is a restricting system. But what it is is happens you become a better and a more conscious spender over time, so that at the beginning of the month, you don’t go out and you have the massive meal, and you don’t have three or four bottles of wine, maybe you just have one or two, so that at the end of the month, you have leftover money, and you’re not overspending throughout the whole month. So it’s a really, it’s a freeing system rather than a restricting system. But you really have to try it for 90 days in order to get used to it and get that feel. And then you start what I call, you start stockpiling money. Because as you become a more conscious spender, you spend on the things that are important to you, you spend less money on the things that are unimportant to you. And it’s weird, you just you just end up with more money on that cash based system or as you call it, the pot system.
David Ralph [12:59]
Well, I think that’s true. And I think also what happens as well is that they the good stuff in your life becomes better somehow. Now as we’re recording this, I haven’t been there yet. But when you listen to it, listeners, I’ve just come back from five days in Euro Disney for Christmas. And that wasn’t something that I saved up on that was something bad by looking at the amount of money that I’ve saved because I wasn’t just going out for that extra Chinese takeaway or that that Carrey or those few pints and all that kind of stuff you just don’t think about. I’ve got a nice four day break with my my family and Euro Disney. And it really does make a difference when you have something worthwhile at the end of it. You kind of think, well, it’s not really a sacrifice. Is it, Scott?
Scott Alan Turner [13:42]
Oh, absolutely not. And experiences are such great things to spend money on, as long as you can afford it. Because you’re building memories, you’re having a good time. And you can look back, you can see the pictures and say, Oh, we had so much fun, we should go do that. Again. We don’t remember the Chinese food we ate six months ago, unless it was like the absolute best Chinese food we’ve ever had in our life. So we don’t remember those day to day, tiny expenses that we just seem to blow like a pastry in the afternoon. Or Starbucks coffee. A lot of people like I like Starbucks myself, and but some people go there every day. And that can really wipe out your savings or wipe out your ability to save before those big things and be able to afford those trips.
David Ralph [14:24]
Also, I know this is very entrepreneurial, you’re an entrepreneur, I’m an entrepreneur is slightly more difficult when you are an employee. But for most of the listeners out there, on the join up dots bandwagon, they’re moving towards that point where they grasp the fact that the safety is actually creating your own economy and building your own money. Now I find with my spreadsheet getting back to my little allocated parts, that the ability to make money becomes easier, because I’ve got a fixed bigger in front of me of whether it’s low, or whether it’s high, or what I need to do. So um, for example, when I started, I used to allocate money for my necessities. So I would get my electricity, my gas, and everything or work out what I needed. And when I started, I was probably about $400 or 400 pounds low on that. So I just looked at my business and bought How do I make that extra money, but on a monthly basis will cover. And it’s so much easier, isn’t it to manage your money and find income streams, when you know exactly what you’re playing for? If you manage it, you can build it somehow.
Scott Alan Turner [15:32]
Yeah, absolutely. And when I took the first dive into entrepreneurship, what I did was I had a safety net, so that in case of those situations where I was short, the $400, and I wasn’t sure how I was going to make it up. I didn’t have to worry about that. So I was working two jobs, like most people, when they’re getting ready to go into entrepreneurship, or at least that’s what we recommend that they do, had a full time, corporate gig during the day safe, making decent money. And then I worked a side gig in the evenings and the weekends with a couple business partners. And it took three years to the point where I was actually getting paid myself in when the day came that I was going to quit my corporate job go full time, on my own business, I had saved up six months of expenses so that if anything happened, if I wasn’t able to get a paycheck from this new job, if sales fell short, I’d still be able to make the mortgage payment is at that time, that was really my only expense that I had. Other than food and electricity, stuff like that the only required bill that was to pay. So that really gave me a sense of comfort, I was able to, you know, we can have we can have a bad month. But I’ve got this six month cushion. I’m going to sleep well at night. And then I’ve got plenty of time to ramp up sales or create new products, get that six month window where I can, like you said make some things happen in order to make up that enables lost that might come away.
David Ralph [17:01]
So how long did it take before that entrepreneurial leap was cemented? It was firm you and never going to go back you’ve seen the dark side or the light side?
Scott Alan Turner [17:14]
Yeah, was that three year period I worked in corporate America for let’s see, oh, nine years in two different companies, and the company that and they were all awesome jobs. I loved working for them. I always had great bosses. But like with anything, you just can’t get bored at what you do. Going through the routines. So this opportunity came up working with these guys going through the entrepreneurship. And I left my corporate job. And then I was working at home, which was awesome. So I didn’t have to commute into work every day, set my own schedule. I took Friday afternoons off, I would go volunteer at the Botanical Gardens. So I took time off from programming to go pull weeds, I guess you could say pull weeds in somebody else’s garden. But it was fun. It was there therapeutic. And at that time, when you start doing that working for yourself, you suddenly realize this is awesome. And then when you’re working from home, you can work from anywhere you can work from the coffee shop, the library, when you travel, you can just bring your laptop along with you and work from wherever you are in the world. And when you start feeling that getting those experiences sudden, you’ll realize I don’t really want to go back to an office again. Other
David Ralph [18:25]
Yeah, well, that’s the key question. How long was that point when your escape route, which you might have had mentally was destroyed. And you know, even if I was offered money, I wouldn’t go back.
Scott Alan Turner [18:38]
It was really short period of time. And my background is in computer programming, which if you don’t keep up with that your skills are road pretty quickly. So after about 12 months to 24 months, I didn’t even have the skills necessary to go back and get a corporate job. And as I say an entrepreneurial world, I became unemployable. No. hired me.
David Ralph [18:56]
Yeah. And then do you think everyone can do this? Do you think everyone has got that? That super talent somewhere within them? That if push comes to shove, they can do it they can become a Scott Alan Turner? They can become God forbid a David Ralph Do you think everyone can do that?
Scott Alan Turner [19:15]
I absolutely do. But one thing, I don’t believe in his talent. I think talent is a myth. And a lot of people believe in talent. I’ve based on the research that I’ve done and the things that I’ve learned in my own personal life, I don’t believe in talent, we can build skills in any area that we want. Now, there are some limitations. I’m an older guy, I’m never going to be an astronaut. Because I’ve missed that opportunity. I’m never going to be an NBA basketball player. So there are a few physical limitations. But as far as knowledge limitations, mental limitations, anything we can do along that lines, absolutely not, we can go for it and achieve great things. It’s just a matter of putting in the time learning with efficient and effective practices, finding mentors to learn from so you can avoid as many mistakes as possible. Investing yourself is very important. Getting further education, taking online classes, if that’s your thing, there’s a lot of free material on there. But it’s really it’s it’s it’s hours, you put in the hours and you learn. And we’re going to make mistakes, you know, that’s just a given, just accept that we’re going to make mistakes along the way everybody does it, nobody starts being an expert, you have to start, we all start at zero, and then we learn from there. So everybody is an equal playing field. What happens is people get into this entrepreneurial thing, and they see well, so and so you know, they’ve been doing this for five years. And I don’t think I could ever get there because they’re so high up on the ladder. But the guy or the girl who’s up on the ladder, they started at the exact same place. And then really, there are no limitations for anybody to getting to where they are, it’s just a matter of you got to start. And then you got to put in your three, four or five years like they did, and then you can get there.
David Ralph [20:58]
Yeah, I agree with that totally. And I think one of the best things you can do is just stop comparing yourself. Just Just don’t look at anyone’s journey as such, because they are going to be ahead of you just as Scott saying, Just do your own thing, keep chipping away on it, build up the loyalty of your customer, your listener or whatever, and create your own path. Now we’re going to listen to those words later on. But we’re going to play some words now. But we play every day on the show. And we’re going to do it again. Because I have to be heard Jim Carrey
Jim Carrey [21:27]
my father could have been a great comedian, but he didn’t believe that that was possible for him. And so he made a conservative choice. Instead, he got a safe job as an account. And when I was 12 years old, he was let go from that safe job. And our family had to do whatever we could to survive. I learned many great lessons from my father, not the least of which was that you can fail at what you don’t want. So you might as well take a chance on doing what you love.
David Ralph [21:54]
Well, interestingly, you’ve done kind of both sides, you’ve almost taken the safe route and become an accountant because you’re you’re the money guy. But also you’ve done the thing that he was saying about taking that chance on doing what you love. Could you go into a standard accountancy route? Could you go the safe route like Jim Carrey his father
Scott Alan Turner [22:16]
was interesting is when I sold my business last year, I have a tech background in it. And the safe route for me after selling my business last year, given all my options, now originally, my wife and I were going to sit on the beach and do nothing for a couple years. But after two days of selling the company, I was like, I’m super bored, I gotta do something else. So the following Monday, I was on the phone with my lawyer, I said, you got to set me up a new company over here in the US called LLC. So that I can have a legal Corporation and get going. So 48 hours later, I was already thinking about my next business that was gonna be working on the safe route would have been for me to stay in it. The safe route would be me to stay in e commerce and online business, which is I’ve got 15 years of experience in doing that. building websites, I could have gone the route of teaching other people to build websites, that could have been my whole niche because I have so much experience and have such success in that. But for me, I decided you know, I couldn’t do that. Again, I’ve done it so many times before. But it’s kind of be kind of boring. I don’t know, if I want to do that, you know, I could succeed at it. Because I have a skill set. But I just want to do something different. I’ve had a ton of success in my life. But I haven’t done anything significant that I would say, I don’t have an impact on people’s lives. And I want to teach them the stuff that I’ve learned in regards to personal finance, so they don’t make them make the same mistakes that I did. And so that I can change lives. So for me, it’s really recent, despite the successes I’ve had. So I decided last year now I’m going to, I’m going to get into personal finance. It’s a super crowded space, I’m at the bottom, I haven’t done any blogging before, or any podcasting. And I’m looking at the guys at the top like the Pat Flynn’s who’s not in personal finance, but he’s in podcasting. Or these other guys who are on the radio have been on the radio for 10 or 20 years doing talking about money. And they’re way up there at the top. And I haven’t even started, I don’t even have my company yet. So what am I going to do? I could go the safe route. Or I could just go for it. And I thought to myself, the bottom line was, why not me? You know, why not? Me? Why can’t I achieve what they have achieved in that space, so I can I help people with their money. And at the end of day, there was no reason at all, I thought to myself that I couldn’t do this, I had the financial resources to do it. Because I could do it full time. Even if I didn’t. In my previous businesses, I would work on side businesses and evenings or weekends. That’s not a limitation time is not a limitation. Money is not a limitation for anybody. Because if you’re an online world, a lot of stuff you can do is for free. And I had the skills and the knowledge which I just Camille, it accumulated from the past 15 years of learning about personal finance, my own personal finance, reading a ton of books, teaching others about it. So I had all the components and decided I’m just going to go for it. I know I can do it, I believe I can do it. Based on my past experiences, I’ve achieved things outside of my comfort zone and learning this is just, it’s just a different thing that I can apply myself to.
David Ralph [25:24]
I love that, why not me, I’ve actually surrounded myself as I’m recording here. I’ve surrounded myself with pictures of people who are inspirational to me. And there’s a couple in the podcasting environment that are at the top of their game. And I’ve got pictures of them. And I look at them every morning and go, coming boy, I’m coming for you. And I’ve got a couple of business people, a couple of musicians, I’ve got the Beatles, I was listening to an interview with Paul McCartney actually in the Beatles. And he was saying, I had no idea how to even be in a band. But I just knew that they would do stuff. And it was such small little games that led them to where they are. First of all, they had to buy a guitar when they had to learn three chords. And they actually had to travel across Liverpool on a bus to find a man who knew a special code that I didn’t know. And I learned it be seven when I came back, and they could just write a better song. And then at the beginning, they weren’t even writing songs, I was just performing other people’s. And then when they were all lined up with other bands, and they were going up the bill, because everybody was doing other people’s songs cover versions, they were hearing their act down, oh God, I’ve done that song, or we should be doing that one. And then I realized that I had to write their own songs. And it was just those tiny little steps over time that led them to what we perceive as just global domination, you know, 50 years on the Beatles are still there. And he just said, Yeah, why not? Me? I love that. I love that. Have you always felt that even as a little kid? Why not me?
Scott Alan Turner [26:58]
No, I wish I had but now I did not I got turned on to Tony Robbins, a great motivational speaker A number of years ago. And I listened to a lot of his stuff. And he’s one of the guys who inspires me to try to achieve great things there were only limited, really by our minds, and our fears. And if we take those components out, there’s really nothing that we can’t do. It’s just a matter of chipping away at whatever your goal is. One of the phrases I’m reminded of Michael Phelps, one of the ladies of the greatest Olympic swimmer ever, and he had an interview years ago after he won all of his gold medals at the last Olympics. And he talked about all the training he had been doing up in that point, Olympics, athletes their their inspirational me, I mean, you train for four years for one event. To me, that’s crazy, but great for them. But Michael Phelps is talking about you know, every day, I’m going out, I’m doing my training, and I’m putting a little bit of gas in the tank. And that’s stuck with me for years and years. And every since he said that it’s just the same concept every day, we’re chipping away, and we’re just putting adding a little bit more put a little bit more gas in the tank so that when the day arrives, we’ve got a full tank ready to read the engines are at takeoff, where to go and order is ready to kill it.
David Ralph [28:17]
What was that what you feel is your super talent? Because you sound very natural on the mic. So I can see that that is going to go great guns for you. But of course you You’re the money man as well. If you could just focus in on one thing to get your 8020 But yeah, yeah, 80% efforts bring bring the twins or the opposite white van, the 20%, FSB, 80% of the result, what would you focus in on?
Scott Alan Turner [28:42]
For me, my thing my super talent is I just have a relentless pursuit of perfection. Not that I ever think I can attain perfection. But I am always striving to achieve the best me that I can no matter what area I’m working on. I don’t typically compare myself to others look at their goals and what their achievements for me, the important thing is, how do I make myself better in what area I ever happened to be working in. And a good example, I get sports is an example. For me, I would rather lose in play awesome for myself, then when it have a bad performance myself, I know that sounds kind of weird. But if I’m losing, and I’m doing a really good job, and I’m playing to my absolute best, that makes me more happy, then then the winning, the winning is great. But that’s more of an end goal, I’d rather be constantly improving myself. And by doing that, by doing that through providing the absolute best products that I possibly can when I’m building an online business, providing the absolute best customer service to the people that I’m trying to serve, providing the absolute best value for what I’m trying to give to my customers. Those things have led to the success that I’ve had over the years, focusing on just just being the absolute best. So from that standpoint, I think that’s where it’s really driven me and led to the success that I’ve had.
David Ralph [30:11]
So how do you rest? How do you go to bed because of what you’re saying there? I absolutely buy into. And in many ways, it’s one of my failings. But no matter how well I’m doing, no matter how good the product is that I release, I still kind of ultimately beat myself up because I slightly didn’t get it where I wanted to be. It’s slightly not good enough. How do you know Scott that enough is enough, it’s good enough to get out there.
Scott Alan Turner [30:37]
I’ve learned over the years that, again, you never going to achieve absolute perfection. So I’ve learned to be content with what I call the 95%. Good. I tried to make something as 95% good as I possibly can, no matter what it is. And there’s always going to be that 5% like you mentioned that, you know, we could do this, it could be better, I could add this later on, it’s going to make it better, much better. But I’ve come to realize 95% based on the successes that I’ve had, it’s pretty darn good. And it’s that 95% is better than most other people’s, whatever they’re trying to do. And it’s going to put you into the upper echelon of that particular thing that you’re focusing on the other 5% It’s nice, but it’s that perfection that you’re never going to achieve anyways. So I’ve learned to be content with that 95% and achieving that rather than trying to beat myself up over time. Now,
David Ralph [31:29]
an interesting thing you said earlier, but you go on to linked in and you hang around, then you sort of stalk people in a nice kind of way, looking at different bits of information. Is is a you I asked her if you go over that difficulties that people have right at the very beginning when they need to reach out and ask for stuff because I was listening to one of your podcasts. And it really made me cringe because you were saying that when you go and buy something, ask for a discount, just asked for this. Now, I hate doing that I hate my wife’s brilliant, I always thought I slide away and go and stand by the washing machines, why she’s saying what’s the best price you can do for that? And are you somebody that is able to do that in a business sense, as well as a financial sense, reach out to people and ask?
Scott Alan Turner [32:18]
I have when I launched my podcast a few months ago, the Financial Rock Star podcast, I tried to get a lot of people on board to help promote it. Some of those people were classmates from college and high school, which I hadn’t spoken to in 10, or sometimes even 20 years. And I would sit at the computer getting ready to send that email saying hey, can you help me out? And as I, in the back of my mind, as I can know, they’re not going to want to do that? I mean, I haven’t talked to that person in 20 years, they’re probably gonna say no. And that’s thought to myself, you know what you’re never going to know, unless you ask. And the worst thing that is going to happen is they’re just not gonna reply. So you never hear back from them. And so I would send the email or send me a Facebook message. And I was shocked that people who I hadn’t communicated with and so long, they would reply back, say, Yeah, I would love to help you out. What can I do? And that response is really overwhelming to me. And it was, it absolutely made my day when I got those back. And just almost 90 95% of people I asked, have that type of response. And I have learned of the mindset of when you go to ask people for things, you’re kind of cringe as you say, when you’re reaching out to them. I am reminded of my thought processes. My question that I asked somebody is not going to be the topic of a dinner conversation going on later that night. So that person is not going to go home and have a conversation around the family table and say, oh, man, you’re never gonna guess what happened today. Scott emailed me and he asked me for a favor. Typically, that doesn’t happen. And you know what, even if it does, you’re not going to know it. Not going to talk to you. So what’s the big deal? Anyways? That’s the mindset I have going on with it. It’s the topic of the dinner conversation around the table. If they have it, you’re not going to know it. So it’s no big deal.
David Ralph [34:10]
I had a guy on the show 17 year old called Houston gun many episodes ago now. And he believed even at his age of going for the know, trying to get as many nose from people as possible, so that he could then find the one yes. And he believed that if he got all the nose out the way that one yes, was generally going to shoot him ahead. And so for example, you wrote a book at the age of 17, about entrepreneurship as a youngster, and he wanted somebody to put a forward on it. And he wrote 100 letters out to people got 100 Well, he didn’t even get any responses. He just didn’t hear anything. And the Hundred and One, Donald Trump wrote back and said, Yeah, no problem at all. I’ll give you a foreword for that. And he got such a big boost. But he goes for knows, he goes but knows, and he says it can’t hurt you at all, all you’re going to do is get to know and be in that same position, inspiring that somebody at that age has got that were at the age of 45. And whatever the listeners are, we still go, oh, what’s gonna happen? They’re gonna say no, and it doesn’t matter, does it?
Scott Alan Turner [35:16]
No, absolutely not. I mean, the guy who goes up and takes the most swings with a bat, and baseball, that’s usually the guy who does the most well and gets on the base the most times. Now, they’re also the guys who get the most strikeouts as well. But unless you take a swing of the bat, you know, you have no chance one way the other. And I love that stories about those young entrepreneurs are so inspiring to me, the 17 year olds, I’ve got 22 year olds right now. And I’m, I can’t wait till they’re old enough. And I can start teaching them about business. I’ve already got businesses lined up for them, I just want them to be old enough to understand it so we can start working on them. It’s really, it’s, it’s inspirational to me, and I love that stuff with the young kids.
David Ralph [35:55]
And what will you do with your kids? Will you teach them business or mindset? Because they do come hand in hand and I find my kids are growing up now. And I try to get the you can do it. What holds you back kind of vibe into them so that they realize that they can create their own life at the end of the day? Which way would you go the business practical sense, or that inspirational go for it?
Scott Alan Turner [36:19]
I think I’d lean more on the go for it. Because when you have the go for attitude, you can achieve much more you can get really much farther in life. And that applies to everything outside of business that applies to getting good grades in school, if your child can apply to having awesome relationships, having good health, and all that stuff rolls over into the business. But if you have that go for attitude that you can do anything that, hey, you should go out loan, at least when you’re older, you can talk to strangers, ask for them for things in that business realm in order to do that. But from that standpoint, yeah, absolutely going for one thing, I, as I mentioned, I’m a guitar player, you know what I learned and really late in life, I got late start in guitar, and wasn’t till I was age 35. I wanted to learn to play at a high level with that instrument. And I didn’t start playing guitar, Intel’s 21. And I didn’t even get serious about it till I was 33. So way past the guitar prime. But I wanted to learn to play at a really high level. That’s when I started learning about talent, and how talent is just a myth, in this myth of not natural talent in the idols that I like, in the Guitar World who’s all started at a young age 1012 1314, they’re all thought to have natural talent, but they don’t talk about the 10s of thousands of hours they practice put in to get to that high level. So at age 35, I thought, all right, it doesn’t require talent, I’m going to go for it. And then I was able to achieve some of those high level skills that these masters have. And that’s what I want to share it with my kids when they’re old enough, again, they’re too old enough to learn to hold a guitar. That’s, you know, we can put in the hours. But when we’re efficient or effective in our practice, that’s going to overlay into the rest of your life as well. It’s gonna lie to go for it and achieve great things.
David Ralph [38:09]
You do need Bo, that that initial talent, surely, you you need some as you say, you’re never going to be a basketball player, you’ve got to have that essence in you that leads you towards that. And then you develop it afterwards, don’t you but it’s got to start with that surely,
Scott Alan Turner [38:25]
I think drive will get you farther than talent. In America. Here we have a different kind of football, American style football, which is the seasons going on right now. And some of the teams we see guys who you would think don’t belong on a football field there, what we’d call short, shorter, and they’re under six feet tall compared to the much larger players on the field. And they’re just doing amazing things, or they were not drafted, they didn’t do well in college. So they’re picked up as a free agents. But they worked hard. And they put in the hours and they got opportunities. And you see him on the field making great plays. So they’ve made it now did they have a little bit of natural talent, I’d say that a little bit of physical abilities, when we’re talking about sports, a little bit of speed, a little bit of muscle mass, little bit of strength. But the drive is more to get you farther than the natural talent, in my opinion, height. Obviously, you gotta have height and sports, so you can’t get pick that up from somewhere. But in the business world, you really don’t have to have any physical attributes to succeed at it, you have to have the mental attributes, which we all have. So from that standpoint, I’d say there’s nothing talent wise in the business world that can help you.
David Ralph [39:46]
I haven’t got it. Yeah, I’ve got picture in front of me. And I’m trying to squint, I think the eyes are going in the old age. But it says, with ordinary talent, an extraordinary perseverance. Everything is attainable.
Scott Alan Turner [40:00]
Exactly. I’m trying to remember this I just reading this quote from Bruce Lee the other day, because we’re recording a podcast episode, and I had it on the tail end is I know I’m gonna mess it up. But it’s like excellence is the average man with laser like focus something along lines that Bruce Lee said like that. And that resonated so well with me. It’s like, yeah, that’s what it is. You’re just your average guy. But you’ve got this laser like focus, like Bruce Lee had to achieve great things. I mean, he was a tiny guy, I think he’s like five foot seven. He was thin and Bruce Lee. He practiced his own style of martial arts. But he had this laser like focus, he knew exactly what he wanted to do. He wanted to be a Hollywood film star. And he he nailed it. And he’s still a legend to this day. That’s why we quote Bruce Lee.
David Ralph [40:50]
We do the successful warrior is the average man with laser focus.
Scott Alan Turner [40:54]
There we go. Yes.
David Ralph [40:56]
I don’t know. I just Google that rapidly as you were saying it. But either there’s a load a quote from him in front of me. And one of these things just jumped out on me as well is Bruce Lee apparently said, I’m not in this world to live up to your expectations, and you’re not in this world to live up to mine. That’s interesting, isn’t it?
Scott Alan Turner [41:13]
It is yes, we spend a lot of time focusing on what other people think of us are the pretty both think we should do, we really should be spending on time, what our passions are, and what we want to accomplish. And yeah, they’re going to be outside. outside influences are always we’re always surrounded by people, marketing messages, family members, friends are saying, Oh, you know, you shouldn’t do that, you shouldn’t start that business, I don’t really think you’re going to do that. Well, you know, we just had to push, push those things aside, and go for it and listen to what our heart says, and where we think we should be going. Because that’s what’s going to bring us fulfillment in life. It’s not mirroring the goals or the desires of what our parents want us to be what our family members want us to be, or our friends, sometimes we have friends, that they want to drag us down, because they want us to stay at the same level that they are, they don’t necessarily want us to succeed, they don’t want us to start a business because they can’t. Now they can, but they choose not to. So in essence, they can’t, they don’t have the drive, they don’t have the mindset, they don’t want to achieve great things. That’s a decision that they’ve made consciously or unconsciously. So they try to drag us down with that. So it’s important to focus in on our own goals in our own expectations so that we can achieve what we want.
David Ralph [42:33]
It’s interesting with you, you obviously are a driven man, and the fact that in many ways you could be sitting on the beach, drinking cocktails and just relaxing but you need to leave a legacy, don’t you? You get on your deathbed. If you’ve come and gone with a big bank account, you won’t be happy.
Scott Alan Turner [42:51]
No, absolutely not. I mean, when we’re on our deathbed thinking back, we’re not going to be thinking about, wow, I made a lot of money. And I’m so happy. We’re going to be thinking about what we accomplished. What we failed to accomplish for a lot of people, the regrets that we have in life, what we could have done what we should have done what we did. It’s not about, oh, I have an awesome house, or I have so much so many toys, or I can leave all this money. Sometimes I can leave all this money to my kids or to charities that can bring us a bit of joy when we’re on our deathbed. But it’s what did I do? What impact did I have? What significance did I do? Who did I help? What am I relationships? Like? How many people have come visited me in the hospital in my dying days? Now? How many friends do I have? Who’s come in and say, Man, you really impacted me, thank you for helping me. Thank you for sharing this with me. Thank you for encouraging me, when we’re on our deathbed, those are the things that are going to be important to us, not how many dollars we have.
David Ralph [43:55]
I think Steve Jobs we’re going to hear from him in a moment. I think he said something along the line, or he was never interested in being the richest man in the cemetery or something along those lines. And people come out with these sound bites, but every now and again, one hits home. And that one as really hit home for me. Obviously, I’m not the richest man in the world anyway. But it’s still a point of view, isn’t it? You can’t take it with you. So had those experiences the fact that I’ve just come back from Disneyland as you were saying, that is something that will live with us. And the fact that you can make somebody happy, or you can inspire someone, or you can encourage someone or you can just do good. The fact that you’re on a Friday afternoon going and dragging waves out of the ground. That’s that’s providing something for somebody isn’t it?
Scott Alan Turner [44:41]
It is volunteering is great. And just get back to that Steve Jobs quote. Yeah, the richest man in the cemetery. He’s still dead. He’s still dead. So volunteering, of time, donating of money, being generous, those are all things that you get back tenfold what you give out, whether it’s your time, your encouraging words, your finances to help a charity. So those things I’ve learned early on, when I started being more generous, that’s really been a game changer in my life. Prior to that I was really selfish back in the days when I was the money moron. And really one of the turning points in my life was when I decided I’m going to give my time. So I started volunteering, and I’m going to give some my finances to the different charities and helping them out. And that is really when I started making much, much, much more money. When I was being more generous. In you hear a lot of that from people as well. trying to think of Dale Carnegie’s exhibitor, some of these very motivational speakers from years ago. When you give freely with no expectations, somewhere down the line, you’re going to get back about tenfold. You don’t know when you don’t know where you don’t know who from who. But when you have that generous spirit, give without expecting anything in return, that is going to build your business, it’s going to build your relationships, it’s going to build your finances, just to just a whole nother stratosphere. And I think it’s one thing that people they struggle with, because it sounds some mythical, you know, you can’t, you can’t plan it out on paper, you can’t write it down and figure out all right, if I give an hour here, then that’s going to give me at a 10 hour return down the road here. It’s not like that. You give an hour here, you know, maybe five years down the road, somebody comes back and says, You know, I remember you from way back then. And here’s this great business connection, they’re looking for something that you’re doing, like, Wow, that’s amazing. And it grows your business. So you don’t know when you don’t know where, but you just gotta trust in the process that being generous, finances, time, energy business, it’s all going to come back in the long run.
David Ralph [46:50]
Well, let’s play the words from the man himself, he created the whole theme of join up dots no longer with us. But these words are his Steve Jobs
Steve Jobs [46:59]
Of course, if was impossible to connect the dots looking forward when I was in college, but it was very, very clear looking backwards 10 years later. Again, you can’t connect the dots looking forward, you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future, you have to trust in something, your gut, destiny, life, karma, whatever. Because believing that the dots will connect down the road will give you the confidence to follow your heart, even when it leaves you off the well worn path. And that will make all the difference.
David Ralph [47:34]
When you’ve been off the path, you’ve created your own path. But do you have a moment on that path that we caught a big dot, where you suddenly realize this is it, this is my moment, this is where my life is going to change direction.
Scott Alan Turner [47:49]
I think it was probably getting back to that first time I left my corporate job and started getting into the entrepreneur world. And that really started this cycle, I’ve had eight different companies in the past different past 15 years that really started that cycle of for me of working for myself, and then I’m going to build something on the side. And then I repeat that cycle over and over again, I’ve done that for the past 15 years had have a regular business, whether it was mine or somebody else, and I would do something on the side. And then that side project was end up growing into something bigger than my original job, or business. And then that would become my focus. And then at the same time I was working on that I’d end up working on something on the side. Again, that’s how I ended up having these eight different companies. And for me, it wouldn’t I never really considered a work. Because I enjoyed it so much. I always had the even the corporate world, the pleasure of working on stuff that I really enjoyed. And in each of the businesses that I’ve been a partner in or started, it’s always been something I’ve enjoyed that passion has driven me to a work obscene hours. But because I don’t consider it work, never really bothered doesn’t drag me down. Now that I have a wife and kids, I do have to tone it down a little bit, spend more time with them and focusing on them. But for me, the dots are continually through the years trying and trying again. And not worrying about failure in regards to the business. In each of those companies. I didn’t start out with thinking, Oh, this is gonna make me rich. That was never my mindset is always, this is an interesting thing to work on. And I think I could enjoy this. So I’m just going to go for it. And yeah, there’s a possibility that’s going to make some money. Because with any business, even if you’re running a nonprofit, you have to make money to survive.
David Ralph [49:38]
Oh, you’re finished? Sorry. I was so impressed by what you were saying. I was hanging on every word fair. Sorry. Well, this is the end of the show now. And this is the part of we called a sermon on the mic, when we’re going to send you on a journey to have a one on one with your younger self. And if you could go back in time to speak to the young Scott, what advice would you give? And what age would you choose as well? Well, we’re going to find out, I’m gonna play the theme tune. And when it Phaedra This is the Sermon on the mic.
Scott Alan Turner [50:30]
Scott, you just graduated college. First off, brother, save the $500. Don’t go to bartending school, you’re not going to need it, you’ll end up finding a job. Now you bought that stupid junky guitar at the pawn shop, play the darn thing, dude, you took that three years off, and you didn’t practice you should have been practicing. It’s not gonna be till your age 35 you realize how much you love to play that instrument. And you get to play the big stage at the House of Blues Sunday in front of house hundreds of people, it’ll be awesome. busting your butt all those years, six days a week, it paid off, you became the cheapest software developer Western Union at age 26. And you’re driving a freaking Porsche, you did? Well, the problem is, you should have ever bought that darn car. And you should have never bought that Jeep before it either. Those cars, credit cards, that new house, they have you trapped. It’s not until you get your finances order that you get to quit that corporate job. And it’s scary because you’re leaving that steady paycheck for the unknown. But you don’t own that job anyway, somebody else does. You’re just an employee, you get a good employee. But even good employees get downsized. You get to go work for yourself, you get to set your own hours, you get to volunteer, you get to take vacation whenever and wherever you want. It’s amazing. So stick with that journey. And finally, you are not a good programmer when you got out of college. In fact, you are a terrible program. But you put in thousands of hours to achieve excellence. And your allows the guitar player now but you’ll put in thousands of hours to achieve that excellence. It doesn’t matter what path you choose. If you put in the time you put in the focus. If you work with great teachers, you continue to learn, you’re going to achieve excellence in whatever you do. And finally, you were lucky either. Luck is when opportunity meets preparation. When you prepare with a laser intensity, opportunity is going to present itself. Rock on brother.
David Ralph [52:34]
Scott, how can our audience connect with you, sir?
Scott Alan Turner [52:38]
Sure. My website is Scott Alan Turner. com. That’s a la n. And I’m on Twitter at Scott Alan Turner as well.
David Ralph [52:46]
We’ll have over links on the show notes. Scott, thank you so much for spending time with us today. joining those dots. Please come back again when you have more dots to join up because I do believe that by joining up the dots and connecting our past is the best way to build our futures. Scott Alan Turner, thank you so much.
Scott Alan Turner [53:03]
Thank you David My pleasure.
David Ralph [53:06]
Yes, that was Mr. Scott Alan Turner, the rock star teaching us all how to get the finance right in our lives. And certainly if you are in the entrepreneurial leap or the urge of it, then getting your finance sorted right at the very beginning is a godsend and gives you Rocket Power as does our program. Get a dream Dream starters Academy, our coaching training platform members only podcast giving you everything you could possibly need to get going to find that thing in your life that really likes you out. That means you jump out of bed every single day. We have got members going through it at the moment. We have got support in there. We’ve got motivation, we’ve got inspiration, we’ve got a lot to help you get a life that I’ve got, and our members have got as well. So jump over, get the dream. We hope to see you soon Cheers. Bye bye
David doesn’t want you to become a faded version of the brilliant self you are wants to become. So he’s put together an amazing guide for you called the eight pieces of advice that every successful entrepreneur practices, including the two that changed his life. Head over to join up dots.com to download this amazing guide for free and we’ll see you tomorrow on join up dots.