Seeing Life’s Challenges as Blessings with Successful Businesswoman Beth Boisseau-Coots

Speaker 2

00:00

 On this episode of the form adversity to abundance podcast, I had a chance to chat with Beth was so Coots of JB Lloyd, she's in the insurance industry, it's a family-run business and their experience of experiencing. A lot of growth in the business and Beth is my go-to insurance person for my real estate. And, and specifically mortgage note, investing force-placed insurance and that kind of thing I do use USAA and Other providers as well. But Beth is kind of my, my knee-jerk go to person or Insurance questions, and they have a thriving business, but we go back into her backstory, and we cover some real challenging times that she went through. You know, she had an unexpected pregnancy at 17 and then dealt with divorce later and then some health issues with her Ex-husband and current husband. And some frankly death that was Associated or came out of one of those health challenges and certainly other adversity, along the way. One of the things that came out of this episode was that, you know, Beth recognizes that. She's there's a plan, and she has strong faith. And she's not, it's not all about herself. She would do what she needed to do in at that. At time during that challenging period, and she talks about kind of serving others, you know, seeing challenges as blessings. That's been her way of getting through adversity, and getting to an abundance mindset and, you know, an abundant Financial life that she has now, which she points out, it wasn't always that way. She doesn't come from money, but is doing a lot better financially than And she used to, and she was, like I said, willing to do what it took at that time to put our family. First, put others first, you know, now she's kind of reaping the rewards, it's not to say, she doesn't have challenges. Now we it's a really good episode. It's she's very well-spoken, a ton of good takeaways. You know, she has some really good book recommendations at the end and even some kind of day-to-day personal you know, health-related Dated choices that she makes that. I think she would recommend to others. So I really hope you enjoy this episode like I did and thanks for.

Speaker 1

02:37

 Listening, inspiring stories of real people overcoming incredible odds to live life to the fullest. We are all guaranteed to face. Hardships, how will we handle the adversity? Join us to be moved by every day, people who have turned poverty into prosperity and weakness into wealth Be Inspired as these relatable Heroes. Get vulnerable. And former counterintelligence investigator. Jamie Bateman puts his interviewing skills to the test, restore your faith in humanity as you experience. True Cinderella stories of average people turning surreal struggle and deep despair into booming, businesses and financial Fortune. Take ownership of the life. You are destined to live and turn your adversity into abundance.

Speaker 2

03:27

 Welcome everybody to another episode of the form adversity. 32 abundance podcast I am your host Jamie Bateman, and I am really excited today. We got a special guest Beth was so Coots hopefully I said that right Beth how are you?

Speaker 1

03:41

 I am good, how are you?

Speaker 2

03:43

 Good so We caught Beth off guard a little bit. She wasn't 100% sure what we were going to talk about today. So this is going to be very real and very raw potentially depending on where we go with it. But Beth I would just want to thank you for coming on, really appreciate it. Beth you work your with J-B Lloyd, and we have worked together a little bit through my mortgage note investing, and we get forced play. Insurance or lender placed Insurance different, Insurance products through you. And I know you all do a lot of other types of insurance products, but I will let you speak for yourself. Who are you, and what do you have going on today?

Speaker 1

04:30

 Well, you didn't very well on my name and thank you for having me. My name is Beth boy, so Koontz, and I am an insurance producer broker. I specialize in Insurance programs for Community Banks, as well, as Real Estate Investors today. I have this going on and as usual we tend to deal with a lot of lenders and their requirements and just you know, always juggling. I told somebody recently that I felt like I was Double Dutch. Jump roping on a unicycle while juggling fire. I think it's way of, wow. But that was pretty descriptive for.

Speaker 2

05:12

 That, nobody accurate.

Speaker 1

05:14

 So busy, which is good. It's a good thing.

Speaker 2

05:16

 Now, we're going to jump back into your back story, obviously, but before we do, so, you have been in the insurance industry for how long.

Speaker 1

05:26

 16 years little over 16 years. And yeah, I think I.

Speaker 2

05:31

 Started. Is it a family thing?

Speaker 1

05:34

 Yes, yes. My dad started JB Lloyd in 1988. I know we sold he still is involved that we sold to another company in 2016.

Speaker 2

05:46

 Got it okay, so we have for the listeners out there Beth is kind of my go-to even if it's not something a property that I have through insurance through JB Lloyd on. I will still Beth. You're the first person I call when I have a question. So, I definitely recommend the listeners look up j.b. Lloyd or reach out to Beth. We can talk later how that, how they can do that. But so from adversity to abundance, you weren't totally sure what we're going to get into. We're still not 100% sure what we're going to get into. But you obviously, like everyone still have problems today. Still, have challenges today, like you just alluded to at least on the business side of things. So certainly it's not all rainbows and unicorns and butterflies blah but it seems from the outside. You have an abundant life and an abundant mindset currently but it wasn't always that way. So what we want to do is get into your backstory and you can pick it up wherever you want to start, but, you know, focusing on some of the adversity that you have been through on a personal level could be business related, could be relationship related. And you were starting to get into that before I hit record and I said, you know what, let us just hit record. So once you start where you'd like to, and we can go from.

Speaker 1

07:08

 There. Sure. So I am very grateful every day for the, you know, abundance that we have in life and the comfort that we have achieved. It was not always this way during, you know, I currently have four children. Three of them are adults and one is 11. And people often laugh at that they say, don't you know how that happens? Well, first one I like to say I was the young mom and now I am the old mom, because my first child was born when I was 17. Okay. You know that really kind of turned things upside down in my house, but I was a strong-willed 17-year old, and I was gonna have that baby, and I was going to raise him, and I was going to be good at it, and I was not going to Be a welfare mom and that was that.

Speaker 2

08:02

 So curious. And I hate to cut you off, but we just had Shante Duffy's episode came out today actually, and she had an unexpected pregnancy as well. I think it was 18 or 19, and she talked on the episode about how, you know, she went through a range of emotions in a range of kind of thoughts as to, you know whether she was going to put her child up for adoption or anything like Adam. Obviously, for many reasons, I can't fully relate to what you were. Shantae went through but I am just curious. What was it? You said you were always? There was no question about it in your mind as far as you raise the child.

Speaker 1

08:42

 No I wasn't quite sure how I was going to do it. I just new that I was going to do it and so you know I made that choice and my parents said, well, you're creative let us go to beauty school. So I will I went and what to beauty school and that was fine, you know, I enjoyed that and you know it was good for a time as a lot of work worked in some of the high-end salons and did an apprenticeship two years. After Nick was born, my dad started the business so that was you know a very dry time would you know, there was a lot of extra and you know, we were used to Being able to shop and do all these things when he was had the comfortable company job. So then there was a period of it being very lean and then I married at 24 and that was fine and had two more children and I divorced him when a.c. They were my gosh, 17, 10, and 8. And then sadly, he passed away. Well, three years later. So we had to go through that and that was, that was rough. But, you know, throw it does through all of this and I went from hairdressing to an art career of all things. And I was busy with that, too, and I really enjoyed it. I was married. So I wasn't the at that time, and I am married again. But at that time, I was married and not the sole Breadwinner. So I was able to have a thriving Art business and design business. And that was a lot of fun. But after I got divorced, I decided I wanted something a little more substantial that didn't require so much work on my part because it was 24/7 and it was always, you know, I was paid per project so and I didn't have benefits. So I was actually blessed because I had told some friends, hey, I am looking for something new to do. Of mine said you my husband think she should go into pharmaceutical sales. He was a physician and I thought, well, that's an interesting thought. So I called a friend of mine who was in pharmaceutical sales and I told her what my other friend had said, and she said, Beth, do you have any experience in sales? And I said, no, I do not. And she said, okay, do you have your college degree and I said, no, I don't have that either. She said, well, good luck. This is right after I have gotten divorced and said, wow! Okay, thanks Moe. Anyway, a few months go by, and I in the interim, you know, it was just one of those times you are just had a lot of faith, and I was able to get a little job as a receptionist. My daughter was a high-level gymnast, I became a receptionist at the gym and I worked exactly enough hours to get insurance. But I also had enough hours, I could still do. Project. So I am like, okay this is good and was funny. I was so incredibly grateful for that job.

Speaker 2

12:04

 So at this point you had gotten divorced, just to?

Speaker 1

12:07

 Some, yes, gotten divorced. Yes.

Speaker 2

12:09

 It was you said you had two, three kids, you didn't have health insurance for that.

Speaker 1

12:16

 Well, I did once I got that job. Right. Right? Right. Got it. I just got divorced. It was the summer of 2004. And started dating my current husband during that same time, those kind of a an interesting time but at the end of that month of working at the gym, I got a call from the gal that had told me, you know, that I was basically an of a creek with looking for a job in sales, and she said to me Beth I have been hired as the district manager for a new Energy company in Texas and I need Sales staff and I say well, you know, I don't think I know of anyone, you know. But I will let you know if I, if I can think of anybody, and she said, well, Beth would you be interested? And I said, well, that Gwen, I don't have a degree, and I don't have any experience, and she's all about. Do you have a resume? And I said, no, this is she. So come over Sunday. So I did, and we cobbled together what was probably the worst history we're strengthening of all time but it got me this job which, you know, it doesn't sound like a lot of now but it in 2004 for me it paid me 50 thousand dollars a year and really good benefits plus generous commission structure. Nice. Yes, it was. So what had changed? I am .

Speaker 2

13:45

 Curious like, why did she I know her position?

Speaker 1

13:48

 She was desperate.

Speaker 2

13:52

 She must have been right?

Speaker 1

13:53

 — yeah, I do. So the first week at that job, I was just like, on cloud nine, I was like, well I am in the money now, you know?

Speaker 2

14:08

 Right. Well, I mean, but right, right, it's all relative, right? It's all relative. I can 52,000, you said nothing? I know I am No, but seriously so you were making your, for a month. You worked the receptionist job, right? And I was certain dollars an hour, ten dollars an hour, okay?

Speaker 1

14:30

 Five hours a.

Speaker 2

14:32

 Week to get the health insurance, right? Got it. And then you did that for a month or two I did for exactly one month, okay. And then so, I mean, a fifty thousand dollars and that is a big that is a huge.

Speaker 1

14:44

 Jump well and the commission structure was also very good. And so, you know, I have the potential of earning, you know, six figures immediately really or pretty, pretty immediately, it was funny because after the first week I had this inspiration that you know, oh my God, they hired a fake, and they're going to figure it out, right? And, so I went to Barnes and Noble and I bought all the books on sales I could find. And, you know, I have read about A chapter of each one and then I started going door to door because it was all Commercial Energy is, I knew the area I lived in very well. So I just started on a corner and intersections are going door-to-door to businesses because it was fear. Jamie it was absolute fear driving.

Speaker 2

15:35

 Me. But if I find you out that you didn't.

Speaker 1

15:38

 Know, we're going to find me, we have hired a fraud.

Speaker 2

15:43

 Well I have heard a lot of successful salespeople and successful entrepreneurs business In general who started out with door-to-door sales, whether residential commercial because it's the end of the day books are fine, they're great. And honestly podcasts are great, but you're not going to learn how to sell insurance through a podcast or how to sell you know commercial energy through a book you're going to learn about doing it so exactly right. Okay.

Speaker 1

16:14

 Well it was you know, it's one of those things when you put something out there, you know, you put this energy out there and you have this, this drive. It doesn't always come back to you in exactly the way you think it will but it does come back to you and it sounds kind of. Yeah, whoo. Whoo. But six weeks after my start date I landed a big account that came to me from the wasn't one of the doors I knocked on. Although I did get business that way it was just I talked had To one of the parents at my daughter's gymnastics facility. And she said, oh, I work for this company. I will get you in, maybe they'd be interested. Well, she did, and they did and I landed the account, and so mid-october. I was the top salesperson in the state of Texas and I remained in that position and until I left, I was, I ended up being hired away and which was fortunate because unbeknownst to me at the time Hurricane, Katrina had really wiped them out. So we were, they were closing their doors. So I sort of avoided that fitful got hired away. And then, at that time, my dad came to me. He realized there was somebody in the family, who had the ability to sell and said, I really need you. That, that was real fortunate happenstance because back in previous October, this was in March. This October it turned out, my ex-husband had dysplasia in his throat and my current husband who we were dating. At the time. He had, they found cancer and finger and it was a sarcomas very aggressive, and my dad had prostate cancer. Wow.

Speaker 2

18:06

 That's all the same.

Speaker 1

18:07

 Time. It was October of 2005. My ex-husband was he had a very good prognosis, my current husband, his was Dire. I mean, this it was very rare and you know it was like a zero percent chance of survival is very aggressive. He's still alive by the way. He did something.

Speaker 2

18:28

 That's I mean I am very thankful for that. It's not, it's interesting. I mean you would think when you hear L finger that's no big deal and then throat sounds more.

Speaker 1

18:40

 Threatening Just pre-cancer. It was like a little pea-sized deal, and they removed it, and he was supposed to be fine, but he wasn't, and he didn't get better. And then around the same time, my dad hired me away. He was on disability, and he could, they were doing radiation, and he could only speak six whispered sentences a day, and he had his own business. So he had it was just we had to resend the child support agreement, do all these things. Things and I didn't, I needed to be at home. That, that was really the bottom line. So I end up taking a pay cut so that I could go work for the family business, but be at home all the time, you know? Because I still had young kid and, and then, so that's what I did. And it was hard when we were small business and, you know, my dad was busy, and I was the only salesperson and I had to figure out insurance and that was no.

Speaker 2

19:40

 I am easy. No small task. Yeah I heard somebody talking yesterday on a podcast actually about small business and how in the beginning I mean and you know, I can relate to this too but it's just, you're essentially doing everything. You're learning the business, you're working in the business. Hopefully, you're working on the business and then, once in a while you're working on yourself outside of either of those angles, meaning, you know, making your own growth or your own, Own health and your own personal stuff. So it's a lot to juggle any entrepreneur. Can I can relate to that so and you didn't know insurance at that point, right?

Speaker 1

20:23

 No, I did not. And so yeah, that's that was my, you know, Velasquez beginning into this. And you know, sadly he my ex did not get better, and he ended up passing away. A July 5th and 2007, so it was three years after our divorce but you know, we were talking before this and one thing we were discussing is that you know vehicles are really important when you know your hat you have a dream to go from point A to point B but the fuel of that vehicle. Really? What makes it go, what makes it run? Is the dream and the Ian and I have to say that is really what made all the difference because even when Insurance in this role was not, you know, it was taken me back. I had to take a step back, you know, from an income perspective, I knew that it had a lot of potential and I had a passion for the.

Speaker 2

21:32

 People. Yeah. So just to be clear, the vehicle is the insurance and.

Speaker 1

21:37

 The insurance, exactly. Or in your case, it would be new. Resting, right. But fuel, the fuel of the vehicle is the dream, the vision that you keep in front of you all the time and you continue to focus on that. And because, you know, sometimes it's hard sometimes, you know, there are learning curves. Sometimes, there are other obstacles in my world, it would be, you know? Okay, I have got this risk and I can't find a carrier for it, you know, or the underwriters are being difficult or, you know, just Any number of things but you know, gets you through that is you know, the.

Speaker 2

22:17

 Vision, right? So you didn't, you know, want to be an insurance when you're eight years old. That wasn't your dream?

Speaker 1

22:27

 No. No, it didn't sound very fun. You know, I had a dad who did that, but, you know, I didn't, I didn't know, you know, it doesn't sound fun. It seems like cardboard but isn't actually.

Speaker 2

22:41

 I think you have told me before that, you know if you don't if you're at a party and you don't want to talk to people, you just start talking about insurance, and then we're somehow earlier all of a sudden you're all by yourself. Yes.

Speaker 1

22:53

 And people do not, it was funny. When I first got into it I noticed such a difference because when I had been an artist people were so interested in that, like it would just that was like, so intriguing to them. But interests, not have the same effect and I had thought it was me. It is not me. So.

Speaker 2

23:11

 So that gets to an interesting question that I don't know if you know I think it always depends on your situation but people debate should you follow your passion or should you kind of follow the money, you know? And of course it's not black and white and there can be cross over there. But what would you say to somebody a little bit younger than you? That's trying to figure out their path, you know, should you sound like you followed your passion and maybe that didn't? Lead you to too much money and you tell me. I mean you know, would you what would you take away from?

Speaker 1

23:50

 That? Well. I think it all really all goes back to a person's vision and what how they see their life and what they want their life to be. But, you know, that would that disclaimer I think that it's When you follow your passion it has the potential to really spoil.

Speaker 2

24:14

 That for you. Hmm? Yeah.

Speaker 1

24:17

 That's and you have to be careful with that. Sure with art. I didn't want to do it for a very long time and it was because I had really burnt out on it with insurance. It definitely did not start out being my passion but it's always interesting. I enjoy it and I never know it all, there's always a challenge, there's always something to learn with art. I was at the top of my game, I was always in demand. I was always busy. Hmm. There was no more challenges really hmm. Yeah. So I would say find something you like that challenges you but isn't necessarily your passion because your passion can change and right? The other thing is, if you want it to remain your passion, you might as well. The way I look at it. I will have time to paint all day eventually. When I retire.

Speaker 2

25:19

 Right? So yeah, makes a lot of sense, you know, I think it's fine to do something you enjoy, but I, you made a lot of good points there, your passions can change and you might end up Kind of ruining your passion. If you go you make it your whole life and you're trying to squeeze more out of it than as they're financially, maybe an and you also got to the point of the growth mindset and, you know, an insurance, there's always something to learn and more two more to do there, but yeah, I think I used to think. Yeah, follow your passion and now, I think, I don't know, I think if you, if everyone's different, but if you do something where you, You do kind of follow the money and really try to, when I say follow the money, I mean, you're really solving problems for people, you end up potentially enjoying that, and that kind of can become more of a passion that you didn't see coming just my two cents.

Speaker 1

26:21

 No, I agree. I mean really kind of to drill down. It's about serving others too and if it were just about money or just about getting ahead And there wasn't the human element, you know, you feel like you're serving people then it would be Hallowed be shallow mean nothing.

Speaker 2

26:41

 Yeah, so I mean, there's definitely hit on a good amount of adversity there. And again in this show adversity to abundance, it's we don't want to make it sound like oh, Beth's life was Thirty years of adversity and then all abundance. It's not, it's not like that but what would you say kind of mindset wise you have already touched on some of this? But what kind of got you through that adversity? You know, how would you characterize your mindset going through those, those troubles?

Speaker 1

27:21

 Well. I always, I have a strong faith and I always trusted that there was more and I, I was being led. I never doubted that for a moment. And I did find that, you know, when I did exert my own will and do, you know, this is the world view, the, the world's logic of how I should do this or how I should proceed, it never worked out as well as when I just trusted that in that, little voice, that was guiding me. Yeah, so I always felt like the ad, you know, the times that were more difficult. I felt like there were they were for a greater good and purpose and that we would get through them. And it's funny. We're talking about this because I was just talking to my daughter the other day, and she's married, but she lives in New Mexico and I told her we were talking about some of this on Mother's Day and I told her. That. I am so grateful. Not only for where we are now. But for everything that led up to it, I feel like It was God's will because everything that led up to now set the foundation and set the stage and gave me the wisdom and the Viewpoint the insight to be the person I am now in to live the life that I have been blessed.

Speaker 2

29:02

 With. Yeah, that's really good. I mean yeah. I think it's, you know, not to get too far, you know, to the Religion. But you know.

Speaker 1

29:12

 That's, yeah, well Anna, and whatever you call that higher power.

Speaker 2

29:15

 And I mean, I agree with you. I mean, it's and I know there are, you know, Passages at the Bible. They talk about that as far as, you know, seeing everything. As a blessing, even things that are difficult to maybe celebrate in the moment, but, you know, and in hindsight or hopefully soon thereafter, you can, See that everything. It sounds like you're getting to the point that everything happens for a reason. And it's, and your part of something bigger. It's not all about Beth. I mean, no offense.

Speaker 1

29:49

 But it's not definitely.

Speaker 2

29:52

 Not. And you said we way you're gonna get through this go ahead.

Speaker 1

29:56

 Well, I put it. I heard it put this way and I loved this. When you're in your life you it looks like the back of a tapestry everything.

Speaker 2

30:05

 So yeah. Yeah twins. Stand.

Speaker 1

30:08

 Back, you know, you see the full picture and you see how everything works together and how it's part of a bigger picture.

Speaker 2

30:16

 Yeah, that's really good. Okay, well before I fire off, some kind of Rapid Fire questions. Is there anything else kind of any other lessons you want to take? Or I guess give to the listeners that you have learned through, you know, your journey from adversity to abundance?

Speaker 1

30:38

 Well you know I think have a vision trust, you know, whichever higher power you know calls to you know whatever you call your higher power and, you know, I guess I could expound on a lot of different things here, you know. Yeah, I like to live my life, a certain way. I like to meditate. I like to pray, like to exercise. I eat very healthy. I do, not drink. I didn't use any substances, you know, I think, you know, but these are, these are just things that work for me.

Speaker 2

31:13

 Personal choices. Yep. Right, gotcha. Okay, that's good. Okay, I am going to fire off some questions, you ready?

Speaker 1

31:22

 Yes, I think so.

Speaker 2

31:25

 It's ready, as you're going to be, what do people misunderstand about?

Speaker 1

31:28

 You? You know, the feedback I get from people and I think this is so funny, but they're like, oh, you know, I just didn't think we're going to be friends because, you know, you're like a hero you have got it together and you're just a Barbie doll and, you know, you're always put together and like, girl.

Speaker 2

31:52

 You have no idea.

Speaker 1

31:54

 Really, not how I see it. But thanks. Yeah. Got it, that, that makes me laugh, so that's The biggest misunderstanding.

Speaker 2

32:04

 Okay, what's one of your biggest failures and what did you learn from that? It can be business, personal doesn't have to be your biggest failure. Just something that comes to mind that you did learn from.

Speaker 1

32:23

 Well, I am trying to think of a good one.

Speaker 2

32:30

 All right, let us I will ask a different one in my room. I get to the similar answer, but if you could go back and give your 18 year, old self some advice, what Baby?

Speaker 1

32:43

 Oh my goodness. I would tell myself to finish college which just for your information. I have one year left of a double major and a minor. Actually, I may just do it for fun. Okay. I would tell myself to finish college. Join the military nice and you know, go probably a more traditional path. And I say this and then I go back to but everything works together. All.

Speaker 2

33:12

 Right.

Speaker 1

33:14

 I told that to my kids so you know.

Speaker 2

33:19

 Yep got it. If you could have coffee with an any historical figure, who would you choose?

Speaker 1

33:28

 Well, I really like Georgia O'Keeffe, okay? She was an innovator and ahead of her time and was very successful in a male-dominated business at a time when women were not I loved her vision electrostatic. So, probably her.

Speaker 2

33:52

 Nice. It's good. If you had to write a book this year, what would you write about?

Speaker 1

33:59

 I would probably write it about my family growing up. Okay.

Speaker 2

34:06

 Nice. Okay, well we're laying the foundation with this episode a little bit more. You.

Speaker 1

34:13

 Probably won't watch it.

Speaker 2

34:16

 What's a challenge that you're facing in your business right now?

Speaker 1

34:21

 Managing the.

Speaker 2

34:22

 Growth. Okay, can you speak to that a little bit? I mean this is a business podcast.

Speaker 1

34:27

 Well, we have grown, we have grown a lot, and we have been blessed with business and in clients, like you, and now, we're been challenged with managing that growth and having the customer service that can attend to the needs that come with the growth, and we're getting there.

Speaker 2

34:48

 So, yeah. So, what does the business look like, is it, are you in all 50 states or what is your business actually look like I am in awe. Strays are you in? Go ahead sorry.

Speaker 1

35:01

 Yeah. No you fine I am in all 50 states. Again our focus is really Banks and Real Estate Investors. I am probably more heavy on the Real Estate Investors and that I work, both was agents and directly with my client, you know, the ensure. And so with that, you know, we have our note people. So we're doing Force place. We have our fixham. Flippers, we have our tenant occupied, folks. We have our multifamily people, we have our people who are focusing on mobile home parks. So there's just a, you know, subset, you know, within that category. There's quite a few different subcategories.

Speaker 2

35:43

 Yeah.

Speaker 1

35:44

 So just and along with that, you know, they all have lenders and the lenders have needs. So it's just, you know, it grows from there. And so we're just trying to meet the challenges. That come with it and the we have made some progress recently. So I have been happy. That is kind of frustrating for a minute. There.

Speaker 2

36:07

 Is that through hiring people or systems or both?

Speaker 1

36:12

 Hiring people and systems where, you know, we're redirecting some of the workflow off, you know, some employees and having multiple employees handle the incoming requests, things like.

Speaker 2

36:24

 That. Got it. Okay. What is the most important personality trait or an important personality trait for someone to be successful in the insurance.

Speaker 1

36:37

 Industry? Well, I think In the insurance industry. You have to have a an eye for detail. Yeah. And you also have to have a heart for people so but in any industry I really think just having you know, not to sound corny but love for your fellow humans is really the most important thing. You know you have to treat others the way you want to be treated and love thy neighbor as you love yourself.

Speaker 2

37:14

 That's good. What's one question? You wish? I would ask by, I didn't.

Speaker 1

37:19

 Ask. Oh my gosh. So now I have been taking off guard by probably all of them and but I will speak to your earlier question about my biggest failure, and I think that is probably not finishing College even though it had my college, you know, I had a 4.0, and I was going back and really loving it, but I made a choice, you know, and decided because of my family and my Belated my family to really, really focus on my job instead of putting myself so thin and that was in 2010. So that was probably my biggest. I don't know, failure is the right word but right gret, I don't regret it, I guess, but if I could change anything, I would have.

Speaker 2

38:13

 Finished. Hmm. Okay.

Speaker 1

38:15

 I know, I made the right choice of the time. Sure.

Speaker 2

38:20

 Might have to tweak the question going forward.

Speaker 1

38:23

 Well I don't know I probably take my answer but.

Speaker 2

38:27

 That's good. Alright and we're about to wrap up but what occupation other than your own would you like to try? If you is money wasn't a part of it, if you didn't have a small business to run and let us say you went and finish college, what occupation would you like to try?

Speaker 1

38:49

 So that's it. Staying because honestly, I don't want to try any other occupation I want to continue to expand what I am doing by businesses build other businesses, have you? No other ancillary things. I am doing in addition to.

Speaker 2

39:06

 So nice. Okay, I.

Speaker 1

39:08

 Really, really, really like what I do. That's great. I might be a nutritionist, though. My daughter is, so I lived through her, got it.

Speaker 2

39:20

 Your daughter's a nutritionist in New Mexico, got it okay. Awesome. All right, well, this has been really good. It's everyone's story is different, but there are, you know, through these episodes that I have done so far, there have been some common threads with kind of how people have been able to get through, or around the adversity that they have had to deal with. Whether it's, you know, in some cases, It's been self-inflicted and other cases. It's just something that happened to the person, and, but I think in a lot of ways, even though your story is quite different from any that we have had so far, it's some common threads of serving others. There's a bigger kind of plan or, you know, you're a part of something bigger than yourself and also doing what you need to do at the time. You know, this isn't probably exactly how you like, you said, you it's not exactly how you would have, envisioned your life turning out. But sounds like you and looks like, you have been, you have been very blessed and would you have anything to add to.

Speaker 1

40:37

 That? You know, I really enjoyed this, I would say, you know, two people who may be at a place in their life, where they want to grow and, you know, in a financial way or a success way read, lots of books there are.

Speaker 2

40:56

 So just the first chapters not just the.

Speaker 1

40:59

 First chapters. Yeah, that was. And that's been a theme though. Now, that time period, I was really Spazzy because I was like, scared that I was going to be found out. So I was didn't have a lot of time for reading. I was like, oh my gosh, what can I get from this? But over my life, I have read a ton of books and I read a lot of people who have been successful autobiographies, or they have got a book that they read, you know, like this is how I did it. I have a whole library of it and, you know, that's very helpful because you look at each one of those authors, as a mentor, you have direct access to them and their wisdom. I am ebooks are so invaluable.

Speaker 2

41:41

 You have any couple that come to mind? I am sure you could.

Speaker 1

41:44

 Recommend. Oh my goodness. Yes. Think and Grow. Rich course the preeminent one. And there was a new book that came out by. I think her name is Monica Maine where she modernized the language, but then she had through roundabout way can't come upon the fifth. I guess the 13th chapter to the book that was not published but the original And it's really good. Another one is my gosh. Jeff Olson is the author and I have read it like 20 times. Hold on, I will tell you if I can see it on my bookshelf. Oh the slight Edge.

Speaker 2

42:31

 Okay, I think I have heard of.

Speaker 1

42:32

 That, it's simple, it's such a simple book but it is just really, really good. So those are two that are three rather really? Yeah, that's great, highly recommend but if somebody ever wants my book list I am happy to share it because I have got a whole bunch that I like okay.

Speaker 2

42:51

 Cool, alright well Beth, thank you very much. I know you are juggling a ton of things as you already said. Juggling fire on a unicycle or something like that.

Speaker 1

43:03

 Great, great. Thank you. Thank you for getting me away from all.

Speaker 2

43:06

 That. Yeah, it's a nice little break, right? Yeah. We're trying to, you know, get speak to the business owner and the investor and entrepreneur but incorporate the human element and I think this episode has certainly done that. You were faced with a ton of again adversity that you didn't expect and handled it very Is well and yeah, I mean, so I just want to thank you for coming on. How can our listeners reach out to you? If they'd like.

Speaker 1

43:35

 To, they can email me. Okay, a boy. So at Lloyd hyphen ins.com, and they can also text or call me that nine, seven, two, three, four to forty to eighty.

Speaker 2

43:51

 I, you just said you already said you have too much growth now and then what's a JB Lloyd's website.

Speaker 1

43:59

 Can they check that out? Www-why died, hyphen ins.com.

Speaker 2

44:06

 Awesome. So therefore the note investors in Real Estate Investors fix and flippers buy-and-hold investors. I definitely recommend reaching out the bath. If you have any insurance needs or even just questions, she's your always very responsive and if you don't know the answer, you know where to find it. So right, so yeah again Beth thank you very much. For coming on. I really appreciate it.

Speaker 1

44:31

 Thank you for having me.

Speaker 2

44:33

 Absolutely into our listeners out there. Please give us a five star rating and a quality review. And don't forget to share the episode with your friends and family, and we thank you very much for spending your most valuable resource with us your time. Thanks everyone. Take care.

Speaker 1

44:54

 Thanks so much for tuning in to this episode of the form adversity to abundance podcast. If you're enjoying the show, please feel free to rate, subscribe and leave a review wherever you listen to your podcast that helps others find the show, and we greatly appreciate it. Thanks again for listening, and we will catch you in the next episode.