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Episode #34 Transcript: How to Start a Business With No Money; Explained by Chris Vaca - How To Quit Working
Episode #34 Transcript: How to Start a Business With No Money; Explained by Chris Vaca

Episode #34 Transcript: How to Start a Business With No Money; Explained by Chris Vaca

Jeff Steinmann:  Hello, everyone.  Welcome to the How to Quit Working show.  Today, we’ve got an awesome guest.  Now, as a marketer, I’m always looking for how can I answer people’s objections? So when people say to me, “Jeff, I can’t quit working. I can’t do that.” I have this excuse or that excuse and usually it’s like, I don’t know anything that I can monetize or I don’t know how to start a business or I don’t know anything about marketing or I don’t know how to sell.

But one of the things that I get a lot is—and  it’s the one that I hate the most, I think, it’s I am too old. People think they’re too old to start a business. That’s why I was so excited when I saw Chris Vaca who is my guest today on the show because he was 56 years old.  He had a mortgage business and when the economy changed, that mortgage business went away, and he had to figure out really, really quickly how to start another business and make some money for himself.

And while he already had a business, this was a totally different type of business, totally different environment, totally different marketing, everything was different about it. And he was starting from scratch. So Chris is going to tell us all about how he did that today. So without further ado, here is Chris Vaca.

Chris Vaca:  Jeff, thanks for having me. I really appreciate it.

Jeff:  Oh, thanks for being here. You have got a really, really interesting story. So you were 65 years old. You had a successful mortgage business. And then you lost it.

Chris:  Well, not exactly.

Jeff:  Oh, okay.

Chris:  You got the numbers inversely I was 56 years old. Don’t push me any older than I am.

Jeff:  (laughs) I’m sorry about that. I’m sorry about that. The aging process happens fast enough. (laughs) So you were 56 years old, what happened there?

Chris:  Yeah, well I had a pretty successful mortgage business down here in south Florida. I was right in the middle of the housing boom. I mean, things were really going good. I mean, there was bam bam like, wow, what the hell happened, you know? I went from doing over $100,000 one year down to $19,000 the next year.

Jeff:  Oh, wow.

Chris:  I mean, man, talk about shock. I mean, it was brutal. Okay, I was used to a certain standard of living. I mean, making over a hundred grand a year, you’re used to living a certain way. And then all of a sudden, 19 grand the next year. I was in panic mode, man, all the way.

Jeff:  Yeah. Well, so what did you do at that point?

Chris:  Well, my first instinct was to try to keep the business going. I mean, it wasn’t a big business. It was me and three other people but we were doing good. My first well, I got to keep the business open until things turn around again. But that never happened. So little by little, I started my savings. Well, little savings I had, I was using that. I was using that. I was using that. Then, hitting the credit cards, using that until they will max out. Eventually, I got evicted from my apartment. My car was repossessed. I was left with a lot of nothing.

Jeff:  Wow. So what did you do then? You were evicted from your apartment, cars repossessed. You used up your savings. Your credit cards are maxed out and you don’t have an income.

Chris:  (laughs) That’s about what it amounts to, yeah.

Jeff:  Not a very pretty picture.

Chris:  We see the living under the bridge. I did something I really didn’t want to do which was call my ex-wife for a place to live.

Jeff:  Oh, wow.

Chris:  That was probably the most humiliating period in my whole life. It truly was. I mean, calling back to the ex-wife is something that I didn’t want to do but I had to.

Jeff:  Yeah. So did she let you move in?

Chris:  Yeah, we were pretty much on friendly terms. I mean, after all, it was my house. I gave her the house during the divorce. But we were pretty much on friendly terms. She was aware of what was going on with the business and what’s going on with the economy and everything like that. So she understood, and she said, okay, yeah, you can stay around until I get back on my feet. I mean, little did we both know it’s going to be over a year before I come back on my feet again.

Jeff:  Well, but you did get back on your feet. So what happened?

Chris:  I was sitting in my ex-wife’s house. I must have sent out a hundred resumes, okay? And nobody’s hiring. I’m getting a lot of nothing in return.

Jeff:  Well, and your experience was in the mortgage and real estate which was a terrible place to be looking for a job at that point.

Chris:  Yeah. But I mean, I know I had the experience. I look at it well, maybe it’s because of my age. I mean, I’m 57 at that point. I’m not getting any response. Nobody even said, well, I’ll call you up for an interview or whatever. I got a lot of nothing. So I decided, I said, well, I got to do something on my own here. I mean, I have to generate some kind of income. Because stoke up my ex-wife for over two years or whatever like that. But I had to.

So I was doing my searches on the internet which happened to be the only thing here. I mean, where I live, it’s not a big metropolitan area. There’s no bus service, subways, or anything like that. I really couldn’t get around. So the only thing I really had was a computer. So I started doing some research on there and I ran across something, I was reading an article that said there’s over two billion. That’s billion with a B. Over two billion dollars every year generated online. And I said, wow. I said, I need to copy off a little piece of that. I did have to.

So I wasn’t too computer literate at that point. The only thing I really know how to do is probably fill out a loan application, print it out and play solitaire. That’s pretty much the extent of my knowledge on the computer. So I had to sit there and learn a whole new industry. It did took me awhile. It took me a good seven, eight, almost nine months before I saw any money at all.

Jeff:  Well see, you went from being fairly computer illiterate to generating money online in seven or eight months.

Chris:  Yeah. My first check – I know a lot of people are not going to believe this. I mean, when I showed it to my wife, she couldn’t believe it. It was for a check for $34.

Jeff:  Oh, okay.

Chris:  I remember my wife’s face when she looked at it. She says, that’s it?

Jeff:  (laughs)

Chris:  “Well, this is fine.” Yeah, it was $34 but I have pretty much a positive mindset at that time. And I was thinking, wow, that $34 check pretty much motivated me.

Jeff:  Yeah.

Chris:  I started thinking, wow, if I can make $34 doing this, I can make $340. I can make $340. I can make $3400 and so on down the line. That’s pretty much I started to do good.

Jeff:  Okay, so what was the 34 bucks for?

Chris:  I put together a website which took me about…I guess my first website was about three weeks to put together. Now, I could throw like four hours. But that then, that’s what it took me. It took me about three weeks.

Jeff:  Yeah.

Chris:  It was about pet care.

Jeff:  Okay.

Chris:  I found out that the pet business is billions and billions of dollars every year. People spend on their pets. So I sort of divulged money into that. And I took it up, learned more as I went along.

Jeff:  Well, that’s awesome then. What were you selling at that point?

Chris:  Pet temperament products. Like if you got a dog with a bad temperament, always growling at people, how to train them and things like that. I mean, you could find these things online all over. But you got to know how to put it together and move your listing up to Google ladder. That’s the hard part.

Jeff:  Okay.

Chris:  But as I did that, I had to write copy. As I was writing copy, I found out that I enjoyed writing. Right? So I started to write articles for online publications. And eventually, I started writing books. Now, I’ve got five books on Amazon.

Jeff:  Oh, wow. What are the books about?

Chris:  Well, there are still range of things. The most popular one that I have, the best seller is Age Should Never Be An Excuse For Not Succeeding. And I wrote it mainly for people my age. But for baby boomers who find themselves in the same or similar situation that I was. I’ve been getting a lot of emails from people in their 30’s that read the book and got value of it also. So it covers the whole spectrum and it doesn’t matter what age you are. Stop making the excuses. Get off your butt, and start doing something is what it boils down to.

Jeff:  Awesome. Well, that’s awesome advice. That’s one of the pieces of advice that we get from a lot of guests on the show is get off your butt and start doing something. (laughs)

Chris:  Yeah. You have to.

Jeff:  Yeah, Chris, how long have you been at this?

Chris:  At what, writing?

Jeff:  Well, the whole online business.

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Chris:  The whole online and writing thing? I guess solidly, about three years now.

Jeff:  Okay. Cool. So tell us a little bit about what does your life look like these days? You moved out of your ex-wife’s house, right?

Chris:  Oh, yes. Hallelujah!

Jeff:  (laughs)

Chris:  That was the highest point of my life right there. Again, for the second time. But I’ll tell you a little, when I first got enough money to move out, I moved out to a – it was a dumpy little studio apartment type thing. Really a dump of a place. But it was mine, I was free. That first night, I sat there. The cable, I had the cable because one of the first things that goes when you know you’re in trouble financially is they turn off your cable. So I had my own cable back on. I was sitting there. I bought a nice bottle of Scotch back there and had a few drinks and I was, man,  I was happy. I couldn’t even tell you how happy I felt at that point.

Jeff:  Yeah, that’s awesome. So totally, totally turned things around. So what are things like for you today? What does a day look like for you now?

Chris:  Oh, the day. No stress. It’s stress-less. And when I tell you I had a full year of having stress in my life everyday, I mean, I’m not kidding. It was. It was a very stressful period in my life. Now that I have money coming in, things feel a lot better. I don’t have to worry about anything anymore. I mean, I get up in the morning, I don’t have to rush out anywhere because everything I do is on the computer online.

The first thing I do is I get up. I make myself a cup of coffee, I get on the computer and I check my stats. You know, how many people viewed my stuff, how many people bought things and so on and so forth. I pretty much have my time for myself. I mean, you can never really truly be free of things because like this phone call, you have an obligation to be on a phone call. So you have certain obligations like that you still have to do. But you fit it in your own time when you got to do things. Nobody’s telling you what to do.

Jeff:  Exactly. Well, and talking to me is fun.

Chris:  Yeah, you’re a fun guy. I could tell by your voice. As soon as I got you on the phone.

Jeff:  Yeah. So you’ve got a life—you’re reaching the age when people would just typically be thinking about retirement. But what’s in the future for you?

Chris:  Oh, I read a lot of Donald Trump books. I’m a big admirer of his. I’m originally from New York City and he’s a big guy. One of the things he said his father always used to say, to retire is to expire, okay? And there are so many stories out there that people retire and three months later, they’re dead or o laid in death bed. You got to keep yourself busy. You have to. I can’t see myself retiring at all.

Jeff:  That’s awesome.

Chris:  If you love what you’re doing, it’s not really work anyway.

Jeff:  Yeah.

Chris:  I don’t feel like I’m getting up and busting my hump working for anything. I mean, I enjoy it, it’s fun.

Jeff:  Yeah. Yeah.

Chris:  Plus I do seminars. I stay enough in front of a group of people. People actually pay to hear me speak. I can’t believe it. (laughs)

Jeff:  That’s awesome.

Chris:  Yeah, it’s a good life. It really is. I tell my kids, “I would never, ever work for anybody again.” Ever. I mean, even if I was doing something on my own and I was only making about 20 grand a year or something like that, I’d still do it. I’d rather do that than make 40, 50 grand a year working for somebody else. I truly would.

Jeff:  Yeah. That’s awesome. You mentioned your kids. How many kids do you have?

Chris:  Three.

Jeff:  Okay. Are they grown?

Chris:  Yes, they are.

Jeff:  Awesome.

Chris:  They’re all in their 20’s.

Jeff:  Okay. So do you think that this life that you’ve created for yourself, and this path that you’ve done taken since your mortgage business went away, do you think that the example that you’re setting for them is going to change the way they live their lives?

Chris:  I hope so. I mean, one thing I always tell, I tell my kids this all the time. As a matter of fact, they get sick of me saying this. (laughs)

Jeff:  We get sick of everything our parents say.

Chris:  Yeah, right.

Jeff:  (laughs)

Chris:  We all become our parents eventually too. How much you do. But I always tell my kids, “Listen. If something bad happens to you in life, you got two choices. You could either sit in a corner and cry about it, or you could get off your ass and do something about it. The choice is yours. You have the choice, okay? Nobody’s going to make you poor except yourself. And I truly believe that.

Jeff:  Well, that’s awesome. Well, tell us a little bit about this seven or eight month journey that you were on to learn how this internet thing works and learn how to make money online. How did that work? What worked, what didn’t work?

Chris:  I would have to call it the most frustrating and aggravating period of my life.

Jeff:  Really?

Chris:  Trying to learn something new…I guess maybe if you’re in your 20’s or something like that, you try to learn something new, I guess it comes a little easier. But when you get a little older, I don’t know. It seemed very hard to me to learn how to navigate around a computer. I mean, I sat on that computer—and this is no lie, I sat on that computer everyday between seven and nine hours. Everyday. Okay? I mean, there were times I wanted to pick up that computer screen and just, you know, stop it to death. I mean, it was aggravating. It really was. I mean, believe me, I still don’t know everything. But I know enough to do what I have to do.

Jeff:  Yeah.

Chris:  Like I say, sitting here day after day just trying to learn that. The computer was pretty rough for me. But eventually, if you stick with anything long enough, it’s going to pay off.

Jeff:  How did you keep yourself sitting there at that computer, as frustrated as you were and as aggravated and wanting to throw that thing off the window. How did you keep yourself sitting in that chair and moving forward?

Chris:  I guess I had no choice. I mean, it was either this or nothing. This was it. I had to do this, okay. Like I say, I couldn’t go out and catch a bus for a subway to find a job or anything like that so I was looking out as I—this is the only thing in my mind anyway that I could see that I could do to better myself so I can get on with my life and move out of my ex-wife’s house and so on. So it was either that or nothing as far as I was concerned. It’s like somebody had a gun to my head and said, you learn this or I’m going to kill you, that type of thing.

Jeff:  Well, that’s a pretty decent motivation. (laughs)

Chris:  (laughs) Yeah. Somebody’s holding a gun to your head, that’s motivation. It’s like Al Capone used to say, “You could get farther with a kind word and a gun than you can with just a kind word.”

Jeff:  (laughs) Isn’t that for sure. So what would you tell somebody who is your age or even older and trying to learn technology and frustrated as hell?

Chris:  Oh, man. I helped a lot of people. I have my website Over 50 and Broke. And I get a lot of emails from people my age, even older, even younger but they’re trying to do something with their life. A lot of people lost a lot during that recession, okay. Whether it be jobs, businesses, money or whatever-have-you. A lot of people find it hard. A lot of people—first of all, a lot of people seem to be looking for that magic button, okay. That magic button you could press and all of a sudden, everything’s going to be all right or something where they don’t have to put in the time, it seems.

I don’t know if that’s the way society is going or that’s—but that’s what people are looking for. They’re looking through that easy magic button that’s going to produce an income for them. One thing you got to do is—whatever you got to do is whatever you plan on doing. You just stick with it. I mean, you just have to do that. It eventually pays off as you put in your time and the effort. It’s going to pay off.

Jeff:  That’s interesting that you said everybody’s looking for that magic button and I think that is the number one reason that people fail particularly in the online world. Because there’s so many people out there—and I’d love to hear if you agree with me on this—but there’s so many people out there who are trying to sell you that magic button.

Chris:  Yeah. It’s funny you bring that up because a lot of the people that come to me for help, I’d say about 90% of them already went through all these get-rich-quick things on. You’ve seen them. Start this and you’ll make $90,000 a week working three hours a week or something like that. And that’s the thing people gravitate to. But they never, never work. Okay? Anybody that tells you that you could put in three hours worth of work a week and make 50 grand  a week, I mean, it’s bull. Common sense should tell you that it’s a bunch of crap.

Jeff:  Yeah. What’s the alternative? What’s the right way to go about it, Chris?

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Chris:  The right way to do it is set your sights on something, on one thing, okay? I mean, you could always do what I did and blossom out to other things as you get better at it. But you have to set your sights on one thing, focus on that, give it all that you got, okay? All your energies, all your efforts have to go to that one thing. And it eventually…it’s going to pan out for you, all right? And once you do that, like I did, once I started to make money online and I branched out into writing. I got my books online. I did my seminars and things like that. That gives you the opportunity to branch out. I mean, even though I lost—see, I look at it as losing everything. When I lost everything, that was pretty much—I look at it now, and I see that was the luckiest period of my life, okay?

Because when so many people, when they have things—they have a family, a house, a car or this or that, and people are afraid to do anything because they don’t want to lose what they already have. Okay? So I had nothing to lose because I literally had nothing. I had nothing. No bank account, no card, no house, no nothing. So I just do whatever I had to against the wall. Eventually, something stuck and I just ran with it. But there are a lot of people out there that are afraid to make a move and trying to think because they’re afraid to lose what they already have.

Jeff:  Well, what would you tell people that maybe haven’t lost everything and they have a job and they have an income but they want to do something different? What would you tell those people?

Chris:  Move back with your ex-wife and let her take care of you.

Jeff:  (laughs)

Chris:  When I look back, I think I had it pretty good. She was paying all the bills, I would just sit there learning something new. I dedicated my book to her.

Jeff:  Oh, that’s nice.

Chris:  Yeah. Well, I figured if it wasn’t for her, I wouldn’t have moved up. So I dedicated my book to her. She liked that. She appreciated that. But the only thing, if you truly want to do something different, say, you’re fed up with your life, your job or you just want something more out of life, the only thing you can do is start something part-time. An hour a day, two hours a day, whatever it is. Like I said, focus on that. Build that up until you’re starting to see some money out of it. Okay. And what you got to do, a lot of people, what they might do, if they see a little bit of money and right away they’ll quit their job and then boom! They’re right back in the same spot because they didn’t get the money fast enough.

So the best thing to do is work out something until you’re making enough money to equal what you were making already or at least something that you could survive on. And then, just take it from there. But don’t sit there wasting, wishing, crying, okay, and make every excuse in the book. I talk about it in my book. There’s a disease that’s going around, it’s called excuse-sitis, all right? People make excuses for everything why they’re not successful, why they don’t have things in life and why things are not coming their way. Stop with the excuses already.

Jeff:  Yeah. It’s a terrible, terrible disease to have.

Chris:  It is. It is.

Jeff:  Yeah. What are some of the key things that you learned about the online world that you’d like to share with our listeners?

Chris:  It’s hard to get started but once you’re rolling, it’s the simplest thing in the world to do. Well for me, it was hard to learn. I’m not going to say that’s for everybody but for me, it was hard to learn. But once things start rolling for you, I mean, it’s probably one of the better businesses to get into. I mean, while you’re sleeping, people all over the world could be clicking your website, buying stuff from you. I mean, when I check my stats in the morning, I see people clicking my site from Russia, Brazil, China. I mean, you got to understand the world wide web, it means just that.

Jeff:  There’s a reason why they called it the world wide web.

Chris:  Exactly.

Jeff:  Yeah.

Chris:  I mean, it’s amazing how many people visit your site. Like I said, once you get things up and running and things are running smooth, it’s as easy as pie. You just start throwing up another website and another website if you want. Before you know it, there are people I know that have 15, 20 websites that generate an income for them. I personally scale back a little bit on my internet business because I enjoy writing and doing seminars a little more than I do like sitting on a computer but that’s just me. But I still have an income from the computer. I mean, I haven’t given up everything yet.

Jeff:  Yeah, sure. Sure. When you mentioned earlier that…you said the getting your results up in the Google ranking, that’s the hardest part.

Chris:  Yeah. It is. If anybody goes online and you type in a phrase or something like that, or you’re looking for something, there’s a little number there. If you look really hard, it’s small. I think it’s on the left hand corner. But it shows you how many sites are connected with that phrase that you typed in. And it could be eight, nine million.

So how are you going to get your site from the bottom up to the top? And the goal is to get it on the first page. It doesn’t have to necessarily be the first one but on the first page. It takes a while to learn. You couldn’t do it overnight. One of the things you got to do, you got to get a lot of—I’m sure you’re familiar with like, backlinks. Okay. Yeah, and that’s how I started actually writing because I was writing these articles which links back to my site. You got to learn things like that. It takes time. But little by little, you learn it. I can say, before you know, you’re waking up one day, going on your computer in the morning, finding out how much money you made the day before.

Jeff:  That’s awesome.

Chris:  It’s nice.

Jeff:  Yeah. Yeah. Is there anything else that you did to get your ranking up besides the backlinks?

Chris:  Well, what you got to do is you got to do the backlinks, for me anyway. They seem to work the best.

Jeff:  Okay.

Chris:  Okay, get me a little backlinks on there. And also, once I started getting I guess, popular, articles started being written about me. Now, if you punch up my name, it will come out. All the newspaper articles about me, this and that. You know what I mean? You have to build a—what’s the word I’m looking for?—you have to build your own future. It’s more or less what you have to do. I mean, there’s so many ways for you to be noticed online, okay, that you have to learn. But like I say, it eventually pays off.

I mean, if you click my website, there’s a whole page for me. All right? If you click my name, there’s a whole page of me. I got YouTube videos also. Okay. Google likes YouTube videos. As a matter of fact, if you put out a YouTube video about your site or whatever it is, chances are pretty good it’s going to be on the first page because videos get better ranking than just say, an article or a site or something like that.

Jeff:  Okay.

Chris:  There are different ways you can do it.

Jeff:  How did the YouTube video thing go for you? Was it hard to make videos for YouTube.

Chris:  They make it so simple. It really is. It’s not like you need a whole studio, okay? You don’t need fancy equipment. I started off with just my daughter’s camera. Okay? A digital camera which also did videos. I started off with that. So I got about 10, 12 videos on YouTube. But it’s fairly easy and as far as putting them up there, I mean you just go in, you take the video, you slap them up and bang! In five minutes, you’re up and running.

Jeff:  Yeah. Well, that’s awesome. That’s awesome. It’s so interesting to listen to you talk, Chris, because there’s so many people out there that are saying, I am too damn old to learn this technology. And it’s just like you said, it’s excuse after excuse after excuse but you have just said, no, no, no. None of those excuses. I’m just going to roll up my sleeves. Yeah, it’s a pain in the ass. It’s tedious but I’m going to figure it out. And once I do, then it’s going to be smooth sailing.

Chris:  Yeah. I mean, just a quick story here. I had a lady, an older lady from New Jersey contact me and she was living on—she was a widow living on social security. And the only thing she wanted to do is she wanted to earn an extra four, five hundred dollars a month—that was before—so she could afford to take her grandchildren in places and buy them goodies and things like that.

That’s what she wanted to do so I worked with her and it took her awhile, but she eventually got there. All right? And she was happy. I tried to press her to go further if you could make five, six hundred dollars doing this, why don’t you try to get a thousand or two. But she said, “No. This is good enough for me. If I do anything else, it’s going to take time away from my grandchildren so I’m happy with this.” I say, “Oh, God bless you.”

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Jeff:  How amazing is that? Her grandchildren are the number one thing, and that’s all that matters.

Chris:  Yeah. That’s it. And I talk about it in my book. I talked about a lot about success, the meaning of success and everything like that. So many people think well gee, you have to be a millionaire in order to be a success. All right? To me, this lady was a success. She had a goal, she knew what she wanted, she reached it. And she was happy. To me, she was a success. She knew what she wanted and she got it.

Jeff:  Amazing. It’s amazing. I love that. So you said a lot of people contact you. There are probably a lot of older folks contact you because they want help making some extra money in the side. What’s the biggest mistake that you see those people making?

Chris:  Oh, geez. The biggest one. I would have to say quitting. So many people just quit. They find it maybe a little hard. Like I found it very hard. Like I said, it was one of the most frustrating, aggravating points in my life trying to learn that computer. They do it for awhile then they stop. They don’t see the results that they want. I think in the back of their mind, they’re thinking about, well this guy, this elder guy said I can make $50,000 a week working three hours a week. Why should I put all this time then?”

I think that’s the biggest thing. I mean, people just stop. They quit. After a month or so, they don’t see the results they want so they just they said, not for me. And maybe it’s not for them. Maybe it’s better in the long run. But that I think is the biggest thing is the quitting. And that should be not just for all of you but I mean, everybody in life. I mean, you see it in younger people, too. I mean, they don’t want to put the time and effort into something. Like we talked about before, that easy button, that magic button that we just pop up and everything will happen for you.

Jeff:  Yeah. Sure. Well, what about you? What’s the biggest mistake that you made on this journey?

Chris:  Oh, the biggest mistake. Oh, there’s so many.

Jeff:  (laughs) That’s always the response that I get.

Chris:  The biggest mistake. Well, the biggest—I think in the beginning which in the beginning maybe probably not. I think my follow up in the beginning when I first started this was in—I didn’t follow up on a lot of things. And I think in the long run, it cost me. Little things that you think don’t mean anything. So like, you push it off the side or you throw it in the garbage or something like that. And then you find out later on that wow, I could have did something with that. It’s called opportunities that are in front of you all the time.

In my book, Age Should Never Be An Excuse For Not Succeeding, I have a whole chapter about recognizing opportunity. What everybody doesn’t realize I don’t think is that opportunity is around you all the time. Everyday. We don’t see them. We just walk by them. I mean, they literally, I had opportunities I remember back, going back years, that I actually had. When I look back, I could see I had opportunities right in my hand but I never realized it and I never acted on it. Opportunities that just walked by you are the saddest things. You can never get them back again.

Jeff:  Yeah. But the good news is they’re everywhere. So there’s going to be another one.

Chris:  You’re right. No matter what happens, if you lose something, something else is going to pop out. The opportunities, they’re always presenting themselves. And sometimes, at the strangest times. At times you least expect. Then, they’re going to pop up.

Jeff:  Well Chris, this has been an awesome, awesome conversation. I think that you’re an inspiration. What is the one piece of advice that you would want to leave our listeners with?

Chris:  I find it so much with people. Stop—like you said it, I said it—stop making excuses for why things are not working out and why you’re not getting things in life. Stop giving excuses. Take responsibility for what’s going on in your life. You have to. If you don’t take 100% of the responsibility in your life, then what you’re doing is you’re actually laying failures on somebody else or something else, all right?

And the failure—it’s an old cliché but your worst enemy is looking at you in the mirror at why you’re not succeeding and why things are not going your way. And I truly believe that. If people would start taking responsibility and stop making excuses for everything that goes wrong in their life, blaming somebody else or blaming other things or what-have-you, you’d be surprised at how fast things turn around for you.

Jeff:  Because then, you’re in control.

Chris:  Yeah. And that’s the perfect word. Control. You need to be in control of your life. The thing is you’re like a ship just on the sea. Not going anywhere. You have to take control. You have to know where you’re going and you have to know how to get there.

Jeff:  Yeah. Awesome, awesome advice. Chris, where can we go to get more information about you and other part of that question is, who might want to get more information about you?

Chris:  Well, you can go to my website. It’s www.over50andbroke.com. Over 50 and broke.

Jeff:  And we’ll put a link to that below the show.

Chris:  And as far as who would want it, everybody should. (laughs) I mean, I started this whole thing for baby boomers, for people in my age group. But I find there are so many younger people that have no direction and don’t know where to go or what to do. I mean, being broke is not only an older person’s thing.

Jeff:  (laughs) That’s for sure.

Chris:  There’s a lot younger people that are broke, too.

Jeff:  I love that quote. Being broke isn’t just for old people. (laughs)

Chris:  It’s not. (laughs)

Jeff:  That’s awesome. So anybody who’s over 50 and broke or somebody who just wants to do something different with their life, just go check out Chris at over50andbroke.com.  Chris, thanks so much for being on the show. It’s been an absolute pleasure. I think you’re redefining what it means to be over 50. Broke or not, you’re redefining the fact that you can have what you want in your life. It doesn’t matter what age you are. It doesn’t matter what you do or do not know about technology. You’re carving a new path and I wish you the best to that and keep it up. Because we need desperately, desperately need people in this world like you right now.

Chris:  Jeff, I appreciate it. And I had a great time. I really did. You are a lot of fun, I have to admit that. Just remember, for everybody out there, I keep hearing that the 60 is the new 40.

Jeff:  There you go. There you go.

Chris:  You’re only as young as you feel. And I just think.

Jeff:  It’s funny because I’m about 40 and you’re about 60.

Chris:  Yeah. That’s right, exactly. And I think we link up together.

Jeff:  Definitely. Best of luck with everything, Chris.

Chris:  Hey, Jeff. Thank you very much. I appreciate it.

Jeff:  I loved talking to Chris Vaca. He was awesome. And like I said, people tell me way too often that they’re too old to start a business. They’re too old to do anything online. They don’t know anything about computers. Chris just proves that that’s just a B.S. excuse, it doesn’t even matter. So as Chris said, quit making excuses. Get off your ass and go do it.

And if you want to create an amazing lifestyle of freedom just like Chris has done and all of my guests on the How to Quit Working show has done, you have to put in place certain attitudes and habits and ways of thinking of things that are like, really successful people and really successful entrepreneurial people think about things. So, go over to howtoquitworking.com/group and what that will do is that will take you over to a LinkedIn group that I’ve created called How To Get What You Want.

And in that group, we talk about what are the attitudes and what are the mindsets and the habits and how do really successful people look at the world and what do they do to accomplish whatever they want out of life? They just posted a worksheet out in there just today, actually. And it is really cool. What this worksheet does is this allows you to figure out, what are all of the things that are important to you? Whether that’s starting a business or helping a not-for-profit, or just spending more time with your family, whatever those things are, it helps you to put all of them in one place and really focus on them and always be extremely laser focused on what those things are.

So it’s a great tool. People love it. And I’ve only started showing that to people just recently. It’s something I’m sort of doing myself that helped me immensely so I have just started to share it now recently. So go over to howtoquitworking.com/group and get your copy of that worksheet. Join the group, join the conversation. There’s no cost. There’s no obligation once you get there. Just go over there and participate in a conversation. Have a blast with us. We’re just talking about how to live awesome lives. It’s awesome. I have a lot of fun with that group.

Anyway, thanks for joining us on this episode of the How To Quit Working show. And I’m going to leave you with one piece of advice from Chris Vaca which is quit making excuses. Get off your ass and go do it.

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About Jeff Steinmann

Jeff wants to help you Live More. He is the author of How to Quit Working, A Simple Plan to Quit Your Job for a Life of Freedom. He hosts a weekly show called The How to Quit Working Show that features lessons from Freedom Fanatics who quit their soul-sucking 9-5 job and created a business that lets them live a passionate life of freedom. Jeff also writes for several media outlets, including The Huffington Post, Lifehack and Elite Daily. Most of all, Jeff is a Freedom Fanatic, fiercely devoted to finding a better way to “do life”.

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