You ever carry a balance on a credit card?

Yes.

Okay, shut it down.

You are a debtaholic.

You are paying a bank 20% freaking interest on money.

You have a problem.

And the sooner you admit it to yourself and get off that crap.

Like I'm telling you, I don't know a single

successful person that carries credit card debt. Not one. Credit card debt is what very, very,

very rich corporations use to get you to pay them 20% interest.

Welcome to the Waste No Day podcast, a podcast specifically for and about the home services

industry as it relates to plumbing, heating, air conditioning, and electrical.

More than a podcast, Waste No Day is a credo, a determination, a mindset. It is a never-ending

discipline. It is a refuse to lose pursuit. It is a wake-up call every morning to waste no

debt. Now here's your host, Brian Burton and Nate Minnick.

Hey, welcome to another episode of the Waste No Day podcast, your host, Nate and Brian,

hanging out with you again and looking forward to a great show today.

We have none other than Tom Howard joining us today. He's going to be talking about budgeting and a lot of other great financial tips and advice for you. This is going to be both personal and a business type episode. So whether you're a tech, whether you're a business owner or somewhere in between, there's going to be something for you. And we're looking to great content from Tom.

Right now, though, we're going to have a little bit of an introduction ourselves, and we're going to look to Brian to start us off with a great quote.

I never wanted to be a product of my environment. I wanted my environment to be a product of me.

Frank Costello made famous by the movie The Departed.

All right.

...