Boyd:
Now that Carol and I are having so much fun, my wife can hear us high-fiving and giggling as we have all this success. She’s like, “I think I want to be part of this.” I’m like, “Well, okay.” You know, we’ll find a spot for you. We’ll let you in. We’ll let you into the party.
Oz Konar:
How would a bank manager trust a business loan broker? Well, they first need to know that you’re going to actually call their freaking client if they give you a lead.
Each client is worth so much to them. Why? They’re in a local geographic area. They only have so many clients, and clients actually know each other. If the reputation of a branch manager is ruined because of you, not only does it hurt you for future sales, but it hurts the job of that branch manager, the small business banker.
So when you go to these events, they need to know that, “Oh, this person is reliable.” That comes without saying. So when you tell someone, “Oh, I talked to branch managers, they don’t work,” ask yourself—if someone was watching over your shoulder—have you done all the things you could do to overdeliver?
Go above and beyond. That’s why when I had a group of accountants, every year I would send them cigars, wine, gift baskets—all that stuff—so they know that I care. It matters to me because my work matters to their customers.
You see how that creates a chain reaction? It makes things a lot easier.
Boyd:
Yeah. One hundred percent.
Oz Konar:
So we did the event, you guys started the podcast, you’re doing a webinar, you guys are killing it. Now we’re taking a step further. You joined what we call the BLB Stacker Pot Program.
It’s an AI-driven system that allows you to make 100% on funding options like term loans and 0% financing. It teaches you—with AI—which cards to choose and how to help the customer.
That’s the next journey, so you can still grow without hiring more people.
So a year from now, what are we talking about? Where are we going to be?
Boyd:
Well, I don’t want to say that we both retired because we’re having a lot of fun.
We’re just getting started.
Hopefully a year from now, we’re talking about another year of tremendous growth. With the Stacker, I’m loving it. It’s solving problems we had with another company’s system that overpromised and underdelivered.
This gives us more than the extra 15% we’ll make on each deal—it gives us more accurate estimates. That alone is worth it.
I don’t want to be in a position where we say, “We told you 66 but only got you 20, sorry.” That happened a few times, and I want to avoid that.
A year from now, we’ll be talking about webinar growth, podcast growth, and a secret project we’re hopefully finishing this week—and how that changed everything.
Oz Konar:
That’s perfect. Carol, do you want to say something?
Carol:
Yes. We love giving nationwide presentations of our educational program. I’m excited about that.
We’re connected with Hispanic Chambers of Commerce and reaching out to them. We want to connect with those programs and always see what we can do better.
Right after our training—literally the Tuesday after—we brainstormed all the takeaways and what we could improve to get to the next level. We’ve made those changes and we’re seeing improvement. That’s always important.
Oz Konar:
No doubt you guys will nail it.
I remember Boyd attending his very first event. There was no Carol back then. It was either Miami or Orlando—I forget. We’ve done so many events they all blend together.
Boyd was sitting quietly. I remember thinking, “Is this guy bored?” At the end of day two, he told me he was leaving. I was like, “Okay, hope everything’s alright.”
In the hallway, I asked him, “Hey, you okay?” And he said, “Yeah. I’m leaving.” I asked him what his goal was, and I remember him saying, “I want to retire my wife.”
Boyd:
That was the first Orlando event. I declared in front of the whole group that I was there to retire my wife.
We had a CPR training business and she was tired of it. We wanted to sell it. I was trying to grow Otto as fast as possible so she could retire.
Oz Konar:
Then when we got to Miami, I asked you for an update.
Boyd:
Yeah. I said our goal was the Fourth of July. We were about three months late, but we got it done.
We sold the business in November, she retired, and Otto was doing well enough to carry the family.
Now Carol and I are having so much fun, and my wife hears us high-fiving and giggling, and she’s like, “I think I want to be part of this.”
I said, “Well, okay.” We’ll let you in. We’ll let you into the party.
By law she’s 50% owner anyway.
Getting her out of a business she didn’t want to do anymore was a huge deal for both of us.
Oz Konar:
The accountability part is huge. You declared a bold goal in front of everyone. Most people don’t do that.
When you say your goals out loud, it creates pressure—but also momentum.
Money and retirement aren’t about sitting around doing nothing. They give you options.
My wife quit being a nurse and became a stay-at-home mom. I work from home, even though many coaches told me you can’t build a multimillion-dollar business from home.
Family comes first. Family over profit.
But those decisions only come from having a successful business.
If you don’t have that, the decision is already made for you—you show up at 9:00 tomorrow.
Carol:
The Spanish-speaking market is one of the most underserved. They’re entrepreneurial, hungry, but they don’t understand the U.S. financial system.
Once you educate them, they’re grateful.
Our financial systems are different. Many don’t trust banks or credit cards. We have to re-educate them and explain how it works here.
Oz Konar:
Exactly. I tried launching a merchant cash advance company in Mexico—it failed. The culture is different. Cash is king. Bank accounts and tracking are a problem.
When someone moves to the U.S., everything is documented. Credit scores change daily. It’s a huge shock.
Carol lived that transition. She’s been in the U.S. for 20 years. She’s instantly credible because she’s lived it.
Now she’s a broker, webinars are sponsored, there’s implied credibility, and you come across as experts.
Oz Konar (closing):
This was incredible. I think this conversation will help people see the potential—how to transfer their existing skills into something more valuable.
The market pays you based on contribution. Helping someone access $100,000 makes you more valuable than flipping burgers.
Where are you going to be a year from now? Five years from now? Unless you make bold decisions, nothing changes.
Thank you both for joining. Love you guys.
Boyd & Carol:
Thank you. Appreciate it. Likewise.