I found out a glitch in the accounting system at Bear Stearns that enabled me to keep 100% of the commission, not 25%.

So it's a $10,000 commission I kept all 10 instead of 25%.

Justin Pappernie had it all a privileged upbringing, a rising career as one of the youngest brokers at Bear Stearns and a life most people only dream about.

But behind the scenes, he was stealing commissions and getting pulled into a multi-million

fraud scheme with a client.

At 32, he went from luxury offices to an 18-month sentence in federal prison.

Today, he's turned that prison experience into his life's mission, helping others avoid the

same mistakes that took him down. Justin, welcome to Lockton, man. I'm grateful to be here. Congratulations on all your success. Thank you, man. Thanks so much for coming on the show today. I told you that you've been on our spreadsheet for a couple of years now since I went on my team saw some of your TikToks. And you've been sitting right on our spreadsheet, and I'm glad we could finally make this happen. It's strange at this point in our lives that what we do, you know, did you ever think, I'm 50 now, you're much younger, that we'd go to prison and try to build a business around it and help people. I never imagined. I'd end up here. I feel like you were one of the first too to do that I when I went to

prison I was lost and confused so I was a terrible lazy self-loathing defendant I blamed everyone but

myself in life I wrote a newsletter recently about like the worst part wasn't going to prison it was envy I hated

you I hated anyone that was

successful because they had what I used to have as a broker at Bear Stearns and then Merrill Lynch and UBS. And for three and a half years, I lived with so much regret. People knock the 18 months that I served. And it's a very short sentence. I mean, if you, if anyone could have the easiest journey through the criminal justice system,

prison related, it was me. But I tell people, it was like five years I felt like I served the year in prison in the three and a half years of just self-loathing and so much regret. And then in prison,

I still didn't know what to do. That first day, maybe we'll talk about terrible decisions I made,

adjusting poorly, forming the wrong friendships. And then I found a friend who's now my partner, Michael

Santos, who'd been in for 22 years when I met him. And he finally helped me understand how

like all of these bad decisions that I was making, how it was going to define the rest of my life.

And I said, I don't want to do that. So with help from him,

I began to get it together and find some meaning through the experience through writing with Michael's

help and documenting the journey and sharing my experience from a very, like, honest, I hoped,

honest and authentic message. I'm sort of one year in one camp. We talked about this earlier. I don't want to

profess to be a prison expert or consultant or fixer. I'm not. I'm someone who went to prison,

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