Medicaid and Assisted Living: What You Need to Know

Transcript

00:00:03
Hey friend, it is Brandon Gustafson with Assisted Living Investing. I help beginners like you launch their assisted living business in the next 12 weeks. Super excited to sorry in the next 12 months. Um uh super excited to have you here. I wish it was 12 weeks. Super excited to have you here with us on the live today. We're going to be getting into Medicaid. Um what it is, everything that you need to know about Medicaid. uh want to talk with you a little bit about that because there's a lot of

00:00:28
misconceptions and I have a I have several videos on the channel that talk specifically about Medicaid. Um but it's always good to get in here and and do these sessions with you um in in a live setting so that you can get your questions answered. So, as I go through this, make sure you're typing in your questions, um, because we will have a little bit of time here at the end to answer those questions and make sure you get the answers that you need as you're trying to to launch your assisted living

00:00:53
business, understand Medicaid, and understand how to to get things going. For those of you who are new, type in newbie down below as well. Um, I just love seeing all the new people that are here. It's it's super fun to see when we have somebody new that's found us and is trying to launch their assisted living business and trying to move forward. And uh for those of you uh we'll talk about this here at the end of the video a little bit, but I want to put this out there. Um we are we just launched a

00:01:17
brand new membership uh that is a little bit more uh accessible than the mastermind program. So if you go to assistedl livinginvesting.net/basics, um we're actually doing a a promo on it right now. The first 50 people that sign up are going to get in at founders pricing. So it's it's significantly discounted what it's going to be uh moving forward. and it's a month-to-month membership, but very affordable to help you as you're trying to launch your assisted living business

00:01:44
and make some good progress. So, would love to have you in there uh for that. Now, with that said, um let's get over to uh start talking about about um let's start talking about uh Medicaid. So, uh I also want to remind you to get over and uh download the business plan checklist, assisted livinginvesting.net/bp /bp checklist to get that free resource to help you start uh building your your uh business plan. And Ernest is already here in the chat. Uh good to see you, Ernest. Uh thanks for being here. All right, let's uh get

00:02:15
into this. Medicaid, everything that you need to know. Uh as you're trying to do this, I want to kind of go through this. For those of you who don't know me, my name is Brandon Gustoson. I own two assisted living facilities. I've been doing this since 2020. I live in Utah. I I operate out of state. I have a facility in Idaho and a facility in Colorado. We're actually going tomorrow to go do a visit uh site visit at our Idaho facility, which is super exciting to to go do and chat and and visit with

00:02:40
the residents. So, um it's one of my favorite things. It's one of the reasons I love uh owning these businesses is the impact that we get to have on our residents and our staff and and visiting them and seeing what they're up to. It's it's a ton of fun. Um I've secured over one and a half million dollars in SBA funding. Uh as well as I've gone through this process and have a masters in healthcare administration. Uh so I know a lot about the healthcare industry. So, I've worked um when it comes to

00:03:03
Medicaid, my facilities both have Medicaid residents in them. Um I would say 90% of our residents are on Medicaid, so I understand it from that standpoint. I've worked for a managed care organization in the past as well. I work in a lot of government programs um throughout my professional career. Had have a lot of experience there and have a really good understanding of exactly what Medicaid is, how it works, and uh how it can impact your business here. Uh, so let's, you know, give you a

00:03:28
little bit of background on on me and why I can talk to you a little bit about Medicaid and and why, uh, you shouldn't be scared of it, um, as you're getting into this. Um, so let's talk about that. Let's talk about what Medicaid is. It is different from Medicare. Um, so I want to stress that. I can't I can't stress it. I I really wish they had called it something different so that it wasn't just like a few words off, a few letters off because it is so confusing for people. Medicare um at its core is a

00:03:56
it's a federal program. Medicare is and there's three parts to it. There's part A, which is like inpatient stays um like staying at a hospital overnight. There's part B, which is outpatient stays, which is think I've got to go to a physical therapist. I have to go see a specialist. And part D, which is pharmaceuticals, so prescriptions and things like that. as as you can tell there from from those three, part A, B, and D, that doesn't include long-term care. Um I I do believe that there is

00:04:26
like a nursing home benefit um under part A, but we're not nursing home when we when we're doing assisted living. And the reason why it does fall under that for for Medicare in nursing homes is because there's actual care like medical care being provided. Whereas in assisted living, we are we have nurses in the home, but they are the ones that are performing that care as an assisted living facility. We are the ones that are caring for the residents, helping out with those activities of daily

00:04:53
living and helping them through the process. So Medicare does not have a benefit for assisted living. It does not. Medicaid, however, does. Medicaid is a federally funded program, but then it's administered at a state level. So Medicaid, you you'll get somebody that says, let's say a budget is a hundred billion dollars. It goes to a state. Uh federal government gives the state hundred billion. The the state is then able to set their budget on how they're going to use that. Some of that could

00:05:25
and Medicaid is a huge program. So, some of it could be assisted living, but there's also like food stamps and CHIP um and like food programs and uh there's a bunch of other ways for um for people to qualify for Medicaid. And then the state says we're going to allocate, you know, 50 billion of of this money into assisted living or whatever the number is. they will say, "We're going to put this chunk of money here or we're going to set we know we have, you know, 100,000 individuals that are on Medicaid

00:05:54
that are going to need assisted living services. So, our budget is going to be um this chunk of money. Divide that by the 100,000 people. Divide that by 365 days. That's how we're going to get to our daily rate." So, that's how you're going to to see a lot of this coming together. The state is going to set that budget um and they're going to handle the reimbursements. This is not done at a federal level um at all. funds come from the Fed. Um, but is not administered at at the at the federal

00:06:22
level. It's all done at the state level. Um, and I can't remember if I have this in the slides or not. I know there's a lot of concerns out there. You hear a lot of things with this administration talking about uh doing budget cuts and and Doge and and everything. So, if you're, you know, watching this 10 years after the fact, you're like, "What is that?" Um, there there's a there's a commission that is there to to help us uh to help find waste in the government.

00:06:44
And Medicaid is one of those things where um it it's kind of been brought up um pretty consistently. And I had a question about this about like my view on it. And I truly do not believe that those cuts will have an impact on this part of Medicaid. Uh for two reasons. Number one, um I don't think it will because it's it it it's not intelligent from a political standpoint. Um, so you would be alienating a huge base to take a population that needs these services and taking that benefit away or

00:07:16
restricting it significantly and making them pay more for it and displacing um people from their homes. Um, it like from a political standpoint, it would alienate a lot of the people that are in the base of the current administration. So I I don't see that as a as a thing that would happen. And the the other thing is there's not a lot of waste in that specific area of of Medicaid. Um where there is waste in Medicaid, it's a lot more um people that are on food stamps that don't necessarily need to be

00:07:45
on it. Um or or that type of a of a thing. Um not necessarily what we're dealing with here inside of the assisted living world. So, I don't want to get like super into politics and things, but I personally uh as a person that owns businesses that deal with Medicaid and that's like the lifeblood of my business. Um I'm not that concerned about it, honestly. So, I I want to like resolve that concern and say like I I just don't see that happening. I just realistically I don't um I I think

00:08:13
everything's going to end up being fine. So, um that's that's Medicaid. That's what Medicaid is. Um, now there are a few of you out there that you're like, and I get this comment often where you say, um, hey, like I've looked I've listened to your videos on Medicaid. Um, like it seems like a really cool program, but my state doesn't have Medicaid. And sorry, I've been talking a lot today. We did I did a bunch of recordings for videos that are going to come out here in the next few weeks, and

00:08:41
my voice is is going. Um, so I'm going to probably cough a few times. This is the downside of being live. Um, so, uh, let's see. If your state doesn't have Medicaid, in reality, it does. It's just going to be called something different. So, in some states, they use a different name. California, for example, it's called medical. Medical is Medicaid. It's just California's version of it. They wanted to brand it, so it's not called Medicaid. They call it medical. Um, other states, it's a waiver program.

00:09:10
So, in Texas, for example, Texas is a big one, and I see this from a lot of people. Um, Medicaid in Texas is the STAR Plus Home and Community Based Services Waiver, HCBS. Um, so as you're trying to find this, it's it's really hard. It can be hard to find. And because you search for, you know, my state Medicaid in my state for assisted living and you can't find anything, it's because you have to adjust it a little bit. So, I would love to hear from you. Type in the state that you are in down

00:09:38
below. Um, and if you found Medicaid in your state or what it's called in your state. I think that would be super helpful for the people that are here. A tip for you as you're trying to find that Medicaid program in your state is to look for something like this. You would search for assisted living Medicaid waiver. You want to put that word in there because it's it's actually really important waiver program in my state. So that way you're going to hit Medicaid. You're also going to hit

00:10:04
waiver. Uh so I did this for Texas cuz I couldn't remember what it was called in Texas. So I did Medicaid waiver program for assisted living in Texas. And that's where I was like, "Oh, that's right. It's a star plus program uh with HCBS." HCBS is um home and community based services is uh pretty consistent in a lot of states. I find that they're not like a um they're not a regulating body. They're not the the the organization typically that is going to provide a

00:10:29
license to you for your assisted living business. But a lot of things end up running out of that. I've seen that acronym in several different states. Colorado has it. Uh we have one uh you know it's actually something slightly different in uh in Idaho. It's the long term care bureau LTCB I think is what it is. But you want to be looking for these types of things. Um and those there's going to be acronyms. This is healthcare. That's is just what happens. Um but you want to be looking for those

00:10:58
types of Medicaid waiver programs in your state. That's going to help you find those. And then it's navigating them. Um, and we're going to get into a little bit of of how that works here in as as we go in the video. So, let's talk about how a resident gets Medicaid. Um, with Medicaid, there's there's two ways there. There's two parties that are involved. There's the resident themselves, and then there's you as the business. You each have to be um certified for Medicaid in order for this

00:11:24
to work. So, um, the way that that's going to work for you is uh um, let's see. So, the way that that that's going to work for you is residents are they have to qualify for Medicaid on their own. They have to have what I would call a qualifying event. Not every state's going to to call it this, but a qual qualifying event is going to be financial. They don't have the money. Um, so they they need help from a financial standpoint. Uh, disability or age. These are three things that are

00:11:53
pretty common ways to um to qualify for Medicaid. you see a lot of the financial one when you're looking at somebody that's on food stamps or younger college students or or people that are are pretty early on in in like uh starting a family. Uh they don't qualify for being on insurance with their parents anymore. They need to do that. Maybe they don't have a full-time job yet. Like there's there's a lot of reasons why somebody or how somebody could qualify for it. Financial is is a big one. And then

00:12:18
disability is the other one that I see. Um they actually will have different waiver programs. So, one that is pretty common for assisted living is elderly, blind, and disabled. So, it's that's age and they're disabled. Um, that that's how they qualifi that's how that specific person has qualified for Medicaid. We have that in both Idaho and Colorado for my facilities. So, it's pretty common. Um, if I see it across multiple states, then it's like, okay, maybe somebody like has a bit of a

00:12:44
standard there. Um, but that's uh that's what you're going to see with those. Um now when they are also doing this to to qualify for Medicaid they have to meet a few different standards. They have to have citizenship um that there's a a family status um piece of that like um amount of individuals that are in a family um are factored into the financial um qualifying event. There's there's math behind it. I don't want to get into it here on the video. Um and then also state residency. Like if

00:13:13
you're going to qualify for Medicaid in your state, you have to prove that you live in that state. Um so you have to be a US citizen, that's the federal component where you get federal funding for this and you have to be a resident of that state. So you have to show that you live there um for the state to be able to pay you um and then have that qualifying event. Those are kind of the ways that that happens. Um it can be confusing. Oftent times you're going to have case managers that help residents

00:13:37
qualify for this. those case managers can also help out with like securing God man securing social security income. That's a lot of s's. Um and so that's another thing that you should be aware of is case managers can really help out. So as a facility if I have a potential resident that doesn't quite qualify for Medicaid. I might bring them in as private pay for a period of time even though they to help spend down the money so they qualify for Medicaid. and then I if I understand how to do it can help

00:14:05
them a little bit with the paperwork for Medicaid. But oftentimes you want to have relationships with case managers who are then going to be able to walk people through that application process and help them um obtain Medicaid those Medicaid benefits. So that's how a Medicaid that's how a resident is going to qualify for Medicaid. Um in in a nutshell uh working with case managers is going to be the best way to really help navigate a lot of what that's going to look like. Okay. Um, now let's talk

00:14:32
about how to become a Medicaid provider. So, this is you as the business owner. As I mentioned, there's those two components. One is the resident has to qualify and then you have to become certified as well. So, you have to both be in that that um kind of area. Now, I want to qualify this and say every state is different because this is administered on a state level. Each state will have their own specific requirements. It's just like zoning uh when you're getting into assisted living

00:14:55
is going to be specific to a municipality and getting the facility license is going to be specific to the state that you're in. Um the the Medicaid process will be state specific. It is separate from your facility license. Um it is also probably going to be a different government department that is going to to handle the Medicaid application process. So, um, the the the area in your state that's going to help you get the facility license should be able to give you guidance on which uh department and in the local government

00:15:26
is going to help you qualify and become certified as a Medicaid provider, but they likely, and I have to stress that word because sometimes it is the same area, likely will not be the the agency that is going to uh help you become certified as a Medicaid provider. So, there's there's a lot of stuff here, right? This is why I help people. Um, so if you need help, go apply to the mastermind program, aliastermind.com. I can help you navigate a lot of this. Like, you're going to have a ton of questions as you

00:15:54
go through it or, um, check out ALI basics that I mentioned a little bit earlier. Assisted livinginvesting.net/basics and I can answer a lot of these questions as you are going through the process here. Okay. Now, with that out of the way, each state is different. Let's talk about generally what that's going to look like. So, number one, you will have to be a licensed provider. So, those of you that want to do an unlicensed care home will not be able to serve a Medicaid resident, at least not in a way

00:16:22
that's going to let you get um receive payment from Medicaid. They could be on Medicaid as long as they're paying for private uh paying for it privately, but you're not going to be able to collect for that service as a at an unlicensed facility. You just can't. It's a qual it's a qualification uh that every state's going to to have the UBA licensed facility. So that's that's number one that you have to understand. If you want to work with Medicaid, you're going to have to become licensed.

00:16:49
Number two is there's an application process. And this application is very similar to the facility license application. There's a lot of the same questions, a lot of information there that you're going to have to fill out. It's not hard. It's not scary. It's just you're going to have to do it. there might be, you know, two or three questions on there that you're just like, I don't know what I would do in this scenario, and that's something I can definitely help you out with as

00:17:11
you're getting into this. Um, next is you're going to have to provide a lot of paperwork. Um, you're going to have to, uh, get like your insurance information, your bank information, um, your entity setup information. There's a ton of paperwork that you're going to have to provide. Again, very similar to the type of information that you're providing when you get your facility license. you're just going to have to provide it again to another person because it's a different agency. Even if it's the same

00:17:35
agency, it's going to be a different person. You're still going to have to um submit all of the work again. That's just the way that this works. Um and then you're going to have to wait and maybe submit it again and again. Um so when we I've told the story a few times in Colorado, it took us about four months to become Medicaid certified. It took forever. And the reason why is the paperwork that they kept asking for was not clear at all. and I couldn't get an answer from people. They had horrible

00:18:03
customer service. Um, and trying to get an answer was just impossible. And the thing that really held us up was bank information because I sent them here's the voided check. Oh, we need a letter um from the bank with the information on it. Here's the letter. Well, we needed to have a wet signature. Here's the wet signature. Well, now we need the the voided check and it needs to be on this piece of paper. So, it's like I finally got to and you you would submit it and then you'd have to wait five to 10 days

00:18:28
for them to get back to you and you could call but all they could tell you is it's in process. Like it wasn't the people that were reviewing. It was the most frustrating um period of time. Like I was just I was done. We finally got it done. Uh but man, it was frustrating. And so that's another thing that I teach um in the mastermind program is how to get all of that stuff together so that you don't miss a beat and you can accelerate it because what I learned in when in Colorado that took me four

00:18:56
months uh applied that those lessons learned to what I did in Idaho and we were certified in three weeks with three different organizations because there's managed care organizations in Idaho that we had to do it with. So you could do it a lot faster. You just have to know what you're doing as you go through the process. So that's how you become a Medicaid provider. Now let's talk a little bit about Medicaid billing. So um billing in Medicaid, there's So I don't know how many of you are are into let's

00:19:24
let's ask this. If you have done billing before, medical billing, uh just type in billing down below. I'm curious to see how many of you have done this because it it changes over time. It can be confusing. Um and when you're getting into into this, you're going to have a specific code. These are state specific, too. So, I can't tell you that it's code, you know, 1 2 3 4 uh because it it will be different for each state. It could be A179 or it could be 8765. Like, it just kind of depends on

00:19:52
on what the state wants to do with it. And it's alpha numeric and so it just could be whatever. Um, it's the fun thing about some of this stuff. It's it doesn't follow traditional like CPT coding. Um, it's just whatever the state's done and they probably set it up, you know, 50 years ago and it's it is what it is. Um, anyways, as a side note, let's see. When with assisted living, you will bill one code for one day each day of the month. So, that's that's how assisted living works. Um,

00:20:23
there are a ton of Medicaid codes out there, and there's potential to uh your residents could have other benefits besides assisted living. Um, and so there's potential that other codes could be built, but as an assisted living provider providing assisted living services, you can build just that one code. Now, if you're going to do other things, you can potentially um you could potentially build other codes, but not for the assisted living service. I'm I'm speaking a little bit vaguely because it

00:20:50
is it can be confusing. So, if you get to that point, you're owning your own business, you're like, I'm Medicaid certified. I'm doing this and now I'm seeing all these other codes. Can I do that? That's something I can definitely help you navigate. Um, but that one code for one day every day of the month is called the daily rate. So, if you hear me say daily rate, that's what we're talking about. The other thing with with Medicaid is you can bill as frequently as you'd like. You could bill them on a

00:21:15
daily basis if you want. Uh, you can you could bill however frequently you want. Medicaid will typically pay out on a weekly basis. So, uh, it's like they'll take all the things that were submitted up until Friday, they'll process that and they pay it out on Monday. as an example. Um, so they will they make payments out to you on a weekly basis almost always. U, but you could bill every every day if you wanted. We typically bill um every other week and then we get paid every other week is how

00:21:42
we do ours. Uh, which is a really good cadence for us. It helps us out quite a bit. Um, you also, and I mentioned this a little bit, managed care organizations. So, MCOs's, um, these are companies that the state will basically contract with to handle the billing for them, uh, if they don't want to do it. Colorado uses an MCO, but it's like integrated into the state's Medicaid. In Idaho, we have, um, Idaho Medicaid that is done directly by the state, and then there's two other MCOs, there's Blue

00:22:12
Cross of Idaho and um, Molina Healthcare. and and so we have to contract um separately with each of those providers. So that's where I was saying, you know, took us four months to do this in Colorado with one vendor and in Idaho it took me 3 weeks to do it with three of them. Um like you can do that and those are managed care organizations. They basically just process the claims and then they take a cut off the top of it uh that the state pays them for for doing the work for them. Um I won't get too deep into it,

00:22:42
but that's what it is in a nutshell. Um, and then also with this, and I've talked about this several times, I'm not going to go deep into it today, but you could collect a um what's called, we call it a rough. It's rent, utilities, and food. Um, each state might call it something different, but you you collect that directly from the resident, and it's a portion of their social security income. So, say they they receive $1,000 in social security income, you're able to

00:23:06
collect 800 of that um for for their rent payment, basically. So the Medicaid piece is care and then the the rough is the the rent portion of that. So that's kind of how that works. And the state will tell you what you can and can't collect of of those amounts based off of how much they're getting and also um the the amount of care that you're providing to them. So that's that is Medicaid billing. Like that's a crash course there for you on on Medicaid billing. So, if you need some guidance with this,

00:23:36
uh, my accelerator program kind of takes you through a five-phase process and phase four of that is navigating the rules and regulations. So, as you can tell from all of this, like it can be really confusing and hard to navigate and the accelerator program is something that I uh teach you about and how to navigate a lot of these things. So, you can go check that out at assistedlivinginvesting.net. Uh, would love to help you out there. Also, make sure you go check out ALI basics. We again just launched that today and I'm

00:24:04
super excited for it. Um like it might not come through cuz I'm like I'm tired of talking but um ALI basics a new brand new membership uh really affordable for you where you can get in there. We have weekly tips and tricks on how to navigate things. You can submit questions. I'll do video answers for you specifically. Um there's a a community, a peer community that's like an upgraded version of Facebook because they're people that are like paying to be in there. So they're committed and they

00:24:30
want to do this. you can build relationships with them. Super like I love being in these types of communities. I'm in several of them and I find them so beneficial and I'm super excited to to release that for you. So, uh it's no application process. You can go do it. We're actually doing a promo on it. If you go to ali assisted livinginvesting.net/basics, you can see what that is and get in now because it's only the first 50 that sign up that are going to do it. And we just launched it

00:24:54
today. So, uh, if you're watching this, you know, a week or two from now, uh, promo code will be gone, but the the community is still going to be there. I would love to have you in there and help you navigate things as you're trying to launch your assisted living business. All right, now let's get over to questions. U, while you are typing those up, I want to remind you to like the video, subscribe, and ring the bell as well so you get notified every time we put out content like this. I we do these

00:25:17
lives on Tuesdays. I love doing it, interacting with you all. Um, and then we we put out content on Thursdays as well. And that's super fun for me uh to to do and make sure you're on I'm on all the social media platforms as well to help answer your questions and and help you make some good progress as you're trying to launch your assisted living business. So, let's hop over here and I I think I've got a uh yeah, we're going to switch our screens here. Um Ernest, let's

00:25:42
see. Question here. Uh thoughts on the Trump judge cut that will affect Medicaid? Yeah, I chatted about that a little bit earlier. I really um I think it will impact Medicaid. I don't think it will impact assisted living the assisted living sector of it. I really don't. Um and like 90 like I mentioned, 90% of my business is is Medicaid residents. And I'm I'm honestly not that concerned about it. It could happen. Like there's every possibility that something like that could happen and

00:26:10
then I'm I'm sunk. Um but I I just don't see it. Um for there's political reasons behind it. Um, and just like I just don't think it makes sense. It's there's it's not where there's waste. Um, and and assisted living is not where you're going to find waste, and that's what Doge is all about. There might be some in some states and things like that, but I I just don't think that that's the case um for for what I see as an operator. Um, Ernest, Virginia and

00:26:37
Florida. Nice. Yeah, the um I think I mean, every state's going to be a little bit different. you're going to see Virginia and Florida are going to be vastly different um I would say Florida will be a little bit easier to navigate probably um than Virginia. Virginia is just more highly regulated. So it's going to probably be a little more confusing. It's going to be a little bit more there but it doesn't mean you can't do it. It's just more to navigate. So that's fine. Um and Vita, you are in

00:27:02
Missouri. I don't have the Missouri process off the top of my head. My brother and sister-in-law live No, they live in Kansas. They live right in Kansas City around the border. Um, yeah, the Medicaid process in Missouri is going to be pretty similar to that. There's going to be little specific things, but you're you're going to see like honestly what I showed you the example there, it's going to be the same. Like 80% of it's going to be the exact same and then the remaining 20%

00:27:30
will just be kind of stay specific. And it's probably mostly on the um like who you're talking to and the application process, some of the questions, the form that you're filling out and things like that, but the paperwork you're going to have to send is going to be the same across the states. Um Vita, uh is the patient paying with SSI as well? Yes. Yeah, they do. So, um that social security income that they get, they like I mentioned, let's say they get $1,000 just for easy

00:27:58
math. The state will tell you how much of that you can collect. It's typically 80 to 85% of it you can collect directly from the resident. Um so you you are collecting that from them from their the person that's in charge of their finances, their power of attorney, whoever it is that um is in charge of the finances. You're doing that. And um I strongly encourage you just like I would with a private pay resident to set that up on autopay through your bank um to just process things automatically. I

00:28:25
think that's the the the smartest way to do that and make sure that you're getting timely payments um as you're trying to, you know, get people to pay you and have things cash flowing for your business. So, that is it and I have a meeting that starts in one minute. So, I'm going to close us out um and just say, you know, does thank you for watching. I appreciate it all of you that that make it here live and and and type in your questions. This this actually came out of a question that

00:28:53
somebody put on YouTube. Um, and I can't remember the person's name, but I want to thank him. I know it was a guy um for that question. And hopefully this helped answer those questions for you about Medicaid, how it works, you know, residents and um and uh you as a facility and a provider and just the whole thing. Uh if you found this to be helpful, again, like the video, subscribe, and ring the bell. Thank you again for watching. Make sure you go grab the business plan checklist, assisted livinginvesting.net/bp /bp

00:29:20
checklist. Um, I would love to help guide you. You know, does residential assisted living sound interesting to you, but you don't know how to get started at assisted living investing. I'm here to help beginners like you launch their assisted living business in the next 12 months. I love it. I love coaching you. I love helping you along your path and would love to to work with you uh more directly. So, uh, make sure you get over to the website and check out those programs and programs. And

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remember, it doesn't take a lot, just a little bit. Just keep going step by step by step. And I promise you, if you do, and you're consistent and persistent, you're going to be successful.