Season 6 Episode 6: Rick Discusses Life Experiences with College Students

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09.09.2024

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00:00:05 Rick Ormsby

Welcome to the restaurant Boiler Room Season 6, Episode 6 I'm your host, Rick Ormsby, managing director of Unbridled Capital. Today in the boiler room. I'll be sharing some perspectives on my career and profession from a speaking engagement with a group of incoming college freshmen in California.

00:00:22 Rick Ormsby

I talk about my upbringing, career path and give them life lessons that have been valuable to me. This would be a great episode for a young person eager to get exposed to some mentoring and guidance while charting out their professional.

00:00:34 Rick Ormsby

Winter the restaurant boiler Room is a one stop shop for multi $1,000,000 merger and acquisition activity and financial complexities affecting the franchise industry. We talked money deals, valuations and risk delivered to the front door franchisees, private equity firms, family offices, large investors and franchisors on a monthly basis. Feel free to find our content.

00:00:55 Rick Ormsby

Vital Capital's website at WWW dot on vitalcapital.com now.

00:01:00 Rick Ormsby

Let's enter the bowl.

00:01:02 Rick Ormsby

Well, I'm happy and and in honor to be here with you guys today, for those of you who who know me very well, I do a lot of things wrong and and all this and that. But but I have a heart for for youth and for young people. I believe in the future of this country and of the next generation.

00:01:18 Rick Ormsby

That that I.

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See, you know, amongst my kids and a little couple of years older and a couple of years younger. So we're talking probably like the teens to early 20s.

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And kind of, you know that's it's been a big part of, you know, training them up and giving them guidance and mentorship has been has been something that's important to.

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OK.

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So I, you know, I've got a I may have talked about it in prior episodes, but for the last three years have been a kind of a a mentoring session on a weekly basis and.

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A Bible study.

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With between 12 and 15, you know boys and walk them through their journey of high school and and you know, now they're they're all applying to colleges, which is exciting and also do a.

00:01:54 Rick Ormsby

Mentorship with at least one business student at the local universe.

00:01:58 Rick Ormsby

Today each year, so I I was asked recently by a friend of mine who, you know, had a a big group of freshmen, incoming freshman college boys to talk with them about, you know.

00:02:10 Rick Ormsby

My career story.

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Where I came from, you know, kind of what investment banking is, what it's like to be an entrepreneur. So I I recently talked with.

00:02:18 Rick Ormsby

Them for about 45 minutes or so about all these topics. I think it went pretty well. I do get a lot of people now with kids in that age, you know, wanting to to to learn about different types of jobs in the finance world and how, you know, I got started. And so this episode that therefore.

00:02:39 Rick Ormsby

This this month is really just.

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That some of you who will listen to it may enjoy listening to it, if only because you'll get to.

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Hear a little bit about my.

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Personal story that maybe you don't know. That's cool, you know and.

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I'm I'm glad if you if.

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You listen for that reason and then you know, I'd encourage you.

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If if you're.

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I'm I'm going to be 50 this year if you're, you know, my age or younger or older, whatever age you are and you've got kids.

00:03:01 Rick Ormsby

Where you got family that are at that precious age of trying to kind of learn about different professions, feel free to pass along to them. And it's a free resource if if it's if it can be helpful to him in any way, then I try to challenge him to like I usually do with some, with some good takeaways. So with that said here.

00:03:18 Rick Ormsby

Yo, OK. And really, I'm going to answer as I as I counted out here 10 questions and question number one is just a simple one. It's who you are and what do you do for a living and and what I basically told him is that you know, like I was born and raised in in Kentucky, grew up in a.

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Small town in.

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Kentucky, you know, moved to Louisville, KY, lived there a lot of.

00:03:37 Rick Ormsby

My professional career moved in 2020.

00:03:39 Rick Ormsby

To Pensacola, FL area which is where we currently live and where I operate on vital capital. You know my wife is season of almost 24 years. I have two kids, Allie and Eric. You know, one our daughter Allie is going to be a senior at Baylor University, and our son is a is a.

00:03:56 Rick Ormsby

Junior in high school, Eric.

00:03:57 Rick Ormsby

Our run unbridled capital, those of you who listen to podcasts or you know this, but but for those of you who are tuning in new, you'll know you'll hear that unbridled capital helps franchisees and franchisors in the sale and financing of their businesses of a way to to.

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Think about what?

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We do for a living, as if someone just throw a brand out there.

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Owns, you know, 40 Wing stops in Utah. You know, I don't know. I was just telling random numbers and brands out there and they decide that they want to sell that business and they want to sell it to one buyer. They hire our company to be the advisor to tell them what it's worth to put it on the market to find that.

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The the best and most qualified offer offers for the business and then to help you know, get the deal closed through the facilitation of negotiation of the contracts, the franchise or approval, the leases, the due diligence.

00:04:48 Rick Ormsby

It's the financing, you know, helping the buyer with the financing if needed. So these are just you know, a number of things that we do in the administration of our advisory role and we call ourselves M&A advisors. You also can hear term investment bankers, which is kind of a sexy term. You know when you hear investment bankers, they typically have more tools in their in their you know in their belt than maybe.

00:05:09 Rick Ormsby

An M&A advisor does typically an investment banker, has actual access to capital. Our company doesn't really keep our own capital and use it in any of our deals or take any risk in a company that we sell. We're just really more on an advisory capacity, but we also call ourselves investment bankers too loosely.

00:05:29 Rick Ormsby

What you would want to know about me interests, you know? You know I love you know, those of you who have listened, know that I'm a Christian and I and and that's a big part of who I am and how I live my life. And you know, and the interests and hobbies that I have also like to boat and travel. And I love sports. OK. And and I'm a big basketball guy. I've been a basketball.

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Fan since I was a young boy and I love Kentucky basketball.

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I'm the Tennessee Titans NFL fan and my wife was born in Tuscaloosa, which makes me an Alabama football fan. So hate on me all you want.

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That's kind of the.

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My story there, the second question is what was your path from high school through college?

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So you know, because these, you know, because a lot of these young men and young women who are heading off to college kind of want to feel, you know, kind of hear a story about that they can relate to. You know, I grew up in a small town in Kentucky to a, you know, middle class family. No one in my family worked for a big company. You know, a lot of them, you know, and.

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My mom is.

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An insurance agent who was also a pilot.

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Back in the 70s when it was.

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But like with a lot of women wearing wearing aviation, so I'll kind of go up with a very strong mother, a very independent mother and family who really kind of had that kind of a farming mentality of, you know, you eat what you kill and don't rely on it. Don't, don't rely on anybody else. But you have to do it yourself. I kind of.

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Grew up under that type of a.

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Household I was pretty good at school. It wasn't the best. I was probably the dumbest national merit scholar that you're going to find. But obviously, but I. But I was a national merit scholar. Was really good at math. I was very good in Spanish. In school I was kind of average in English and Reading.

00:07:02 Rick Ormsby

And I was a decent athlete, but not great. But what I found was that I loved to learn and I loved to compete. And when I wanted something, I was probably more driven than most people around me at a young age. And I think that really, you know, love loving to learn, loving, to compete and being driven where some of kind of and then kind of a development of my personality of.

00:07:22 Rick Ormsby

Of, of, of, of being an extrovert and loving to be around people.

00:07:25 Rick Ormsby

People, those are kind of the things at a young age and I noticed it made a big difference. I went to the Naval Academy for four years, Texas A&M University of Illinois. From those three schools. I ended up with undergraduate and masters degrees in engineering and I went to work for Johnson Controls for three years right at, you know, at the age of 23.

00:07:44 Rick Ormsby

I guess 24.

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As a as.

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A sales engineer, they're a big company in Milwaukee and I worked.

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In the Nashville.

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Office and I had this idea that I was going to use all my engineering background and my sales natural inclination to be around people, to be a sales engineer.

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You know and and.

00:08:01 Rick Ormsby

There were 3 or 4 pivotal.

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Moments in my life and.

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Pivotal moment #1 school and I met my wife Susan. I met her at 23 and we were married at 25. A lot of people.

00:08:10 Rick Ormsby

In this story.

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So like. Well, that's her. You know, you were young when you got married. And one of the comments I would make is, you know, I've never gone with the grain. I've always gone against it and.

00:08:19 Rick Ormsby

That today people are getting married at a much later age, but I think there's some beauty and really some joy in fighting for early life when you're broken, you're you're kind of trying to figure it out.

00:08:29 Rick Ormsby

Well, with a spouse as opposed to waiting longer, you know, there are all kinds of ways to to do it and do it right or get it wrong. But I consider that to be a pivotal moment in my life. Obviously that's moment number one that I met Susan. She's been tremendous. We've been married almost 24 years. She's been my best friend, been by my side and has really created this stability in our family. That's enabled me to.

00:08:49 Rick Ormsby

Be who I am and so.

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I'd tell that to anybody you know, guy or girl who listens to this, to this, you know, and is going into college like, you know that that is going to be a big part in many of your lives going forward and invest a lot of time in that, you know.

00:09:02 Rick Ormsby

In, in prayer and in.

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Thought about about that stage of your life? Because it is. It is not to be taken lightly and it can have such a positive or negative effect. If it's not done well, what? One of the learnings I would tell that would tell you is that I got out into the real world and I didn't like engineering as much as I thought I would. And you were like Rick, why didn't you switch? But I I got all these engineering degrees.

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And I realized that.

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What I actually loved was being around people and.

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I liked finance. Interesting.

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I started to.

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Show a little bit of chunk in my.

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In college, when I went from like taking these really difficult math classes and doing like getting straight A's in them and high A's to then going into the engineering classes that were like thermodynamics and electrical engineering and systems engineering and some of these classes that require you to understand how a system operates, in my mind it was not very good.

00:09:53 Rick Ormsby

And it and I would look around in the classroom and and, you know, people would would be like passing me like a, you know, a horse and a, you know, in a in a horse race. Right. And I couldn't keep up with them. Not that I was terrible at it, but it just.

00:10:04 Rick Ormsby

Wasn't a special gift of mine, and I saw that.

00:10:07 Rick Ormsby

And so my first learning to you all, who are listening as students would be, there's probably a really high likelihood that you're not going to work directly in your college major in your career. I think the numbers I've seen are somewhere between 80 and 90% of people don't use their college degree in their career. So that being said, I didn't, right.

00:10:28 Rick Ormsby

I ended up working in engineering for a little bit of time and then I went back to school in MBA school and I'll talk about that in a minute. But but a learning, I would say is don't overly fit. Focus on your college major. Pick a major that you think is going to be.

00:10:40 Rick Ormsby

A decent major and then just put your head down and work hard at it. I mean, if you have a total epiphany that you're like 180° in the wrong direction while you're going through it.

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Then maybe change.

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But I think otherwise I wouldn't be really supportive of trying to like change your major midstream and increase the amount of years it takes to graduate college from 4:00 to 5:00.

00:11:00 Rick Ormsby

I would instead just kind of keep my head down, try to graduate early because the the genius and all of this is going to be to get out into the work world quickly and then to get a job and to put your head down at that job for three years and just to see what you like because you're never going to really know what you want to do for a living until you start doing it. And then you adjust from there.

00:11:19 Rick Ormsby

So gain knowledge and college and be flexible and don't sweat your first job too much either. Or your major. Just go for it. AC couple of other comments that that from my early career I'd say is be hesitant or pardon me if you're interested in business you will eventually find it like I did and you can always go back like I just said to get an MBA.

00:11:39 Rick Ormsby

Later in life after working.

00:11:41 Rick Ormsby

So how did my career unfold so that that's so, I decided to go back to to nbaschoolthe.com era was in full swing in the late 90s, which it was really when I was starting to work and I found myself being mesmerized by the stock market and stocks and bonds and mutual funds and making money and companies buying and selling each other. And it just naturally became something.

00:12:01 Rick Ormsby

That was really.

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Really interested in with increasing amounts of, you know time. I would come home from.

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Work and I would spend hours reading and learning about the markets and learning about business and it just something was interested in me and it's interesting to me. And I was so smart that I put it in the only $2000 that I owned into into phone.com about nine months beforethe.com bubble busted. And I mean to tell you that stock, I don't know the went from in just throwing the number out, but it probably went from like $200.

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Share of $1.00 a share.

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Or how crippling was that? But a valuable lesson I learned at a young age about, you know, kind of the cyclicality of markets and the difficulty of of of trying to earn an above average rate of return, right? I mean it's brutal to lose your only $2000 when you're in.

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Your early 20s, right?

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But I found a friend.

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Who was two years ahead of me?

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And and you know, he was a career changer too. And he was super motivated to become a private wealth manager. And he and I started hanging out a lot. And he was a Vanderbilt MBA school. I was living a national working for Johnson control.

00:13:04 Rick Ormsby

Those, and that's a kind of a a commentary. Find somebody a couple of years ahead of you who can be kind of a an immediate mentor to you and you can kind of learn from there and and and learn their path and and I think it will it will help make you a little more laser focused on what you want to do for him. I won't name him but for him he he he was a real blessing to me and.

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Still a very dear friend of mine, and you know, he kind of really helped me hone in my interest in.

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This, and I really uh, really apply it and really tried to go to Vanderbilt MBA school because when he was there and he told me all about the school and I applied and I was, I was blessed to get a full scholarship to be able to be a school. And so this is pivotal moment #2 for for Rick Ormsby because I was headed to Yale School of Management up in.

00:13:49 Rick Ormsby

New Haven, CT. I was accepted there and that's where I was going to go to a school and uh and I, you know, I interviewed and I got one of the four full scholarships to Vanderbilt MBA school and and it kept me in Nashville. My wife was like, Yo, Rick, I want to stay in the South. I'm.

00:14:03 Rick Ormsby

Young girl and you can't pass up a full scholarship and I, you know, almost a little bit relented and said OK, we were young, married and she stood up for for Vanderbilt. And I ended up going there. But if I'd gone to Yale, my career would have made the blessing too. But it would been a different career. Right? Probably would have graduated with a lot of debt. Probably would have gone to work in New York.

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You know, in some sort of investment banking capacity there would been.

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A totally different.

00:14:27 Rick Ormsby

Here, and so pivotal moment #2 was was attending an MBA school at Vanderbilt on a full scholarship, and it really kind of formed my career because I I knew I was a career changer and I had to. You know, you may have been in this situation if you end up working and then going back to school wanting to.

00:14:43 Rick Ormsby

Do something else.

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I I thought to myself, I you know that the economy is really bad right now.

00:14:48 Rick Ormsby

This is what 911 was happening, right? Like so, like, nobody was hiring. And I'm like if I want to be a career changer, I'm going to have to figure out a way to get some experience on my resume so I can talk to potential recruiters when I graduate about what I've been.

00:15:01 Rick Ormsby

Ryan and Morgan Keegan in Nashville had an equity research department and.

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So I I.

00:15:07 Rick Ormsby

Went and begged for a free job there and I worked.

00:15:09 Rick Ormsby

For them, for.

00:15:11 Rick Ormsby

You know, going at like five 5:30 in the morning, I worked like 10 in the morning every single day. Really. And then I going to school on NBA schools, a lot of work. And I'd go to school from like 10 to like 6. And then I come home and study.

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Until 10 or 11:00 each night. You know, I was young, married. It was a we could do it. My wife was working at Vanderbilt, actually, but it was. But it was a little bit tough. It was a tough time and but it enabled me to have this experience. And, oh, by the way, while I was at Morgan Keegan, they specially specialized in two industries while I was.

00:15:39 Rick Ormsby

There in the equity Research Group 1 was a security and the other was restaurants. Because and Nashville had a lot of restaurants of time, Shoney's Cracker Barrel Captain D's, I mean, I'm. I'm I'm as you know, Ruby Tuesdays I'm missing others, but they're a lot like like new hole, which is where I ended up moving to those two cities. Louisville. Nashville had like, an over indexing.

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Corporate headquarters of restaurant franchise companies.

00:16:02 Rick Ormsby

And so I got to learn a little bit about the restaurant business. Enough over the course of six months to where when the terrible hiring market came around and Yum Brands came to interview. I just happened to be a guy who could talk about restaurants, same store sales and you know, annual unit volumes and number of restaurants and franchisees and products and things like this because I had had a little bit of exposure to it.

00:16:25 Rick Ormsby

And I've taken the initiative, the painful initiative, to go work for free at 5 in the.

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Morning to get a little bit of Expo.

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Friends. And so like all of a sudden, young brands came to campus. So like, hey, we do well in a recession. People like to buy low cost food and there's a recession and then all of a sudden because there were no other big job opportunities, a million people were interviewing for young in a good market at Vanderbilt, maybe 10 people would interview. But but because no other jobs were around, tons of people were interviewing.

00:16:51 Rick Ormsby

For young and I just happen to have the experience, I mean it wasn't much, but I had enough experience to get hired for an internship and then I took a full time job there and moved up to Louisville and worked for them for three years.

00:17:03 Rick Ormsby

Pivotal moment #3 when I started to work for Yum one day I had a guy who had some position of authority of me at work. He was a he was in the marketing department and we were working on marketing projects. There was a finance guy. We're trying to figure out like what you know, will this promotion at KFC be profitable or not and how much should we forecast that it will, you know raise since store?

00:17:24 Rick Ormsby

Sales and how do we get the product to the stores and how do we market it and all that stuff's kind of a fun thing to be doing.

00:17:29 Rick Ormsby

And he invited me to a Bible study in the basement of young brains. And I said, man, I'm, you know, I don't know, you know, I'm not. It's.

00:17:35 Rick Ormsby

Not for me, but.

00:17:36 Rick Ormsby

I said yes, probably a little bit of peer pressure and I went down there and we opened the Bible and I found my faith in Jesus Christ. And it was amazing how it happened. I became a student of the Bible and it is over the last 20 years.

00:17:49 Rick Ormsby

You know, kind of kept with me. And it's been something that's really important to me. So it it kind of guides my every decision and everything that I do and.

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So that was.

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Pivotal moment #3.

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I you know, I I was. I was by whatever Providence guided into a direction to.

00:18:05 Rick Ormsby

To say yes to this guy's Bible study at work, no less, you know, probably couldn't do that. Now I really became in love with Jesus Christ. And so that's that's been a cool part of my life. I left young in 2005 and that became an accidental entrepreneur. It wasn't planned. I it was kind of pigeonholed in a job. I was working like, 70 plus hours a week and probably.

00:18:24 Rick Ormsby

Building the paid with a lot of pressure and two bosses and conflicting priorities.

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And a lot of, you know, shifting things. I've done a great job beyond, you know, I believe and and and but I, but I was, but I was just worn out with it. And so one day I just stood up in my cubicle. And, you know, I just kind of at 11:00 one Thursday night and, you know, first daughter had just been born. And I just basically just walked out. I just walked out.

00:18:48 Rick Ormsby

Of young brands and.

00:18:49 Rick Ormsby

Told him thank you. But you know I I don't want to do this anymore. I didn't have a plan. So that's pretty crazy, right? So my wifes mom was dying. I had a brand new baby or first child.

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And I walk out on a well paying job and and my wife just staying, staying at home with the, you know, the new baby and her mom who.

00:19:05 Rick Ormsby

She's who she's dealing.

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With and I all of a sudden have no income, right? So I became an asking accidental entrepreneur. But it wasn't a theoretical exercise for me, right? I had to hit the ground running.

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Had to find.

00:19:15 Rick Ormsby

A way to get paid. So I did a couple of things at first I.

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You know, looked into and I had developed some relationships with the franchisees and young brands and I realized along the way that some of these smaller franchise.

00:19:28 Rick Ormsby

These didn't have anyone helping them. If they were making a decision to, like, sell their business, to retire, to buy out a partner, if they need to borrow more money, if they needed, if they needed to remodel a store, didn't have the money to do it like all these little like financial kind of things centered around knowing the value of your company and determining your future and figuring out when you're going to sell something and if you're going to buy something.

00:19:52 Rick Ormsby

They didn't have anyone really helping them. The smaller franchisees did and they needed the services. So I just kind of stepped in and started doing it, you know, and I did it and and and I did it for, you know, and I made hundreds and hundreds of phone calls over, you know.

00:20:04 Rick Ormsby

That you know.

00:20:05 Rick Ormsby

Probably 50 to 100 phone calls a day and it did it for years. Got to know people got rejected and kicked in the teeth a lot, but eventually, you know, was able to close the first deal which was selling 4 Taco bells in Kansas, you know. And I didn't have enough money to make the next month's mortgage payment. And so it took me about nine months to get going and and then a couple of others, you know, some long Johns.

00:20:25 Rick Ormsby

15 Long John Silvers I remember we sold and then in the Cincinnati area, and then, you know, the Texarkana KFC's, where the.

00:20:32 Rick Ormsby

Next deal the.

00:20:32 Rick Ormsby

Closed. And you know after, like the nine months to 12 month range, the pipeline had been had been built up enough to where I was able to to keep it going and make it grew out of it. And so I'm right you know, but it was really touch and go at 1st and my back was against the wall is interesting and after about a year doing smaller deals, I started them bridled in 2016 by hiring a bigger team and.

00:20:53 Rick Ormsby

Focusing on more brands and larger assignments and that was really pivotal moment #4 for me and you know what, we're kind.

00:20:59 Rick Ormsby

Of had the.

00:21:00 Rick Ormsby

You know, had the had the temper temperament to to create a bigger company, to do more and to utilize the.

00:21:07 Rick Ormsby

You know the expertise that I developed to kind of apply it to more brands and bigger franchisees. And so for the next, you know we're in 2024, I guess I'm going on my 9th year to unbridled now and but but really like my 20, what 20th year of of doing this and if you can consider the the the years that young 23 or 24 years, so 23 years.

00:21:27 Rick Ormsby

Yes, but but it it it's been a blessing. It's it had its episode and downs question #4.

00:21:33 Rick Ormsby

Is what are your learnings as an entrepreneur so that that's one of the things I think of myself first as an entrepreneur, not as an investment banker. And I think it's helped me in my career because the services that we provide to franchisees, these franchisees are entrepreneurs too. And if anybody, I mean I've, I've got like I told you, got a lot of faults, but I know how an entrepreneur.

00:21:53 Rick Ormsby

Feels I know what it's like to be to be, you know, sitting quietly in your house and wondering if you can make payroll or laying in bed at 3:00 in the morning and.

00:22:03 Rick Ormsby

Going at the, you know, at the roof and you know the ceiling and and not knowing how you're going to figure out a problem, right. And so to keep the company going like I, I understand that. So that's the way I relate to a lot of these franchisees and I think it's a, you know really effective way.

00:22:17 Rick Ormsby

To do so.

00:22:18 Rick Ormsby

I mean, a couple of things. Learning as an entrepreneur, I'll go through them quickly, you know one.

00:22:21 Rick Ormsby

You've got to be self motivated.

00:22:23 Rick Ormsby

You're a young person and you're you're you're you've got to be completely self motivated. You've got to be able to fail a bunch and be OK with it. I talked to you about the code calls I made over all those years and all the reject.

00:22:34 Rick Ormsby

I even kind of, you know, started a franchising company with a new concept and it's and it failed. So and it was a pretty big failure. And so you gotta you.

00:22:42 Rick Ormsby

Gotta be willing.

00:22:43 Rick Ormsby

To to fail fast and be OK with failure. A lot of people in this generation aren't that way, like today's generation. A lot of the lot of the young people who listen to this, like you're used to being patted.

00:22:52 Rick Ormsby

On the back, whether you win or don't win.

00:22:54 Rick Ormsby

And so maybe your parents have said to you, you know you don't deserve a medal if unless you win. And if you don't win, you lose, you know, and and maybe a little bit of the wisdom behind some of that grouchiness is just that you've got to be willing to accept failure in life, right. You know, in order to to, to move forward, there's very little work life balance as an entrepreneur. Anytime you're asking or wanting to know about work life balance.

00:23:16 Rick Ormsby

Just go ahead and not be an entrepreneur. OK, you've got to be into the you've got to be OK with delayed gratification. I see a lot of young people who want to be the CEO quickly, but some of my relationships have taken 20 years to mature and to turn in.

00:23:32 Rick Ormsby

Business. And if you're going to be an entrepreneur, you gotta almost look at it like investing on this in the stock market with like a compound annual return of seven or 8%, you drop your $10 into the market and it's only worth $10.70 next year. But if you look at that $10 investment 60 years from now, it's worth $25,000, right? And so this compound.

00:23:52 Rick Ormsby

Annual return starts off slow and almost not noticeable.

00:23:56 Rick Ormsby

But if you.

00:23:56 Rick Ormsby

Just delay the gratification and put your head.

00:23:58 Rick Ormsby

Down and work.

00:23:59 Rick Ormsby

Hard and stay true to it. Overtime you'll create a sustainable and enormous competitive advantage, but you can't want too much to.

00:24:07 Rick Ormsby

Soon another comment about entrepreneurism. Stay away from senseless risk. Why I I I've learned that from being a broke little kid and it's 10 years old. I went to a Catholic kind of fish fry and bought a bingo card for $1.00 and I opened it up and I won 50. Is it a 50 or $100? Can't remember now. And I, you know, to a kid who had no money going up. This was a big deal.

00:24:28 Rick Ormsby

So I had just struck it red.

00:24:31 Rick Ormsby

And then I what did I proceed to do? I proceeded to feed every one of those $50.00 in $1.00 increments back into buying more bingo cards, thinking I was going to double and triple and quadruple my money, and I ended up with nothing. And that was probably the best lesson about risk that guy I ever could have learned at a young age. But most entrepreneurs.

00:24:50 Rick Ormsby

Either a are educated and are scared.

00:24:54 Rick Ormsby

To take a risk or B are not overly educated and are senseless in the risks that they take. Both types of entrepreneurs are, you know, are are, are maybe doomed in many cases. But if you're well educated, you're sensible and you know how to manage risk. I think that's the opportunity to be a successful entrepreneurs.

00:25:14 Rick Ormsby

Eye because the very few people who have those characteristics, another thing I'd say is making money and investing money are two totally different skills.

00:25:22 Rick Ormsby

That's it's difficult to be good at both and maybe that's a random comment. But one day if you if you hold on to this podcast, you're.

00:25:29 Rick Ormsby

Going to come.

00:25:29 Rick Ormsby

Back to me. You're gonna say? Yeah, you're right, Rick. Making money requires, like, bold initiative, optimism, positivity. Go get or investing money is quiet shrewd, calculating. You know, kind of.

00:25:42 Rick Ormsby

Cautious. And so those two personalities are oftentimes dissimilar from one another and require different skill sets. So making money and investing money are teach a totally different skill sets and difficult to be good at both. Owning a company is lonely and few people understand.

00:25:57 Rick Ormsby

You.

00:25:57 Rick Ormsby

That's true.

00:25:58 Rick Ormsby

You have to have the support of spouse if you are married. I mean that's so important because the hours are not normal. You got to be willing to learn how to make decisions quickly and live with the consequences and use the example of being a, you know, at the Sergeant telling your troops to take the hill against the enemy. And it was.

00:26:19 Rick Ormsby

And you realize as you're running halfway up the hill that it was the wrong decision and that you're going to be running into likely death for a lot of.

00:26:26 Rick Ormsby

Your troops, So what?

00:26:28 Rick Ormsby

Do you do in that situation?

00:26:29 Rick Ormsby

Right. You have made the decision. You need to be decisive at the decision to keep running forward. Or do you turn around, change your mind and run down the hill and and uh and retreat? Well, if you do the second, everyone gets shot in the back and you're dead, everyone's dead. So you have to be willing to make a decision and live with the consequences of it and continue on.

00:26:49 Rick Ormsby

Even if it isn't the right decision, right. So you got to be decisive and a lot of people aren't decisive if you're not a very decisive person, it's hard to be an entrepreneur.

00:26:58 Rick Ormsby

Learning how to negotiate is super important and this is, I think, a learned skill. So if you're in college, take those classes about negotiation. Take those classes and public speaking, take those classes that require you to like work in a team and push back against people in your team because it's a super super, super important and underutilized tool that you need.

00:27:18 Rick Ormsby

To be an entrepreneur and a good entrepreneur is someone who won't ask someone to do something that they can't do for themselves. How about that, huh?

00:27:28 Rick Ormsby

Five, how does someone become an investment banker? Well, there's multiple different finance paths, you know, corporate finance. We're working for a company and helping them figure out how to do their budgets or to invest in capital projects. This is a typically, you know, 50 hour week job with decent pay, a decent, you know, kind of return of of your time. But clearly.

00:27:48 Rick Ormsby

Not not the type of pay over time that you're gonna get in the investment banking world. You have people who are in doing investments right, who are who, who are studying the stock market and investing in your companies or personal peoples money for a return. I was like that side of it. I worked in corporate finance at Yum. But I like the invest.

00:28:06 Rick Ormsby

Comments and then you have investment banking, which is an area of like helping people borrow money, helping people buy and sell their companies, helping companies go public or private. And those are kind of the three broad paths, their other subsets of that. And you got real estate, you got other kind. But those are the three kind of main you know kind of finance areas. So you need to kind of research those three as you take classes, take classes and all three of those if you want to become an investment banker.

00:28:30 Rick Ormsby

Today and learn the differences between them, the coursework and kind of get to know the type of people and the personalities and the pay and the type of opportunities in those.

00:28:39 Rick Ormsby

Whereas then you're going to want to try to get an internship, you would you want to utilize your school's alumni network 1st and maybe some family connections or friendship connections that you have. Also, if you're in the investment banking world and you want to come right out of undergraduate into investment banking, you know and you're not at a top 50 school, it's going to be really incumbent upon you.

00:28:59 Rick Ormsby

To really push the limit of the relationships, the school on our relationships and also from friends and family, to find that first.

00:29:08 Rick Ormsby

Open door, you know, because the the analysts you know, typically out of undergraduate are coming from, you know, kind of the Ivy League schools typically, right. And some of the really high like schools. And they don't have as many opportunities otherwise. So you got to find a connection. You got to work it hard. You got to expect no pay it first and very long hours in the investment banking.

00:29:29 Rick Ormsby

Well, you're working 80 to 100 hours a week at times for big investment banks.

00:29:33 Rick Ormsby

Don't get lured into this profession by high salaries because it comes with a lot of work and a lot of sacrifice on family, on free time, you know? So so don't get lured into the profession by high salaries and you have to play the long game and you have to be willing to sacrifice your time, you know, and maybe in some.

00:29:53 Rick Ormsby

Cases your health.

00:29:54 Rick Ormsby

But, but certainly your time at first for a longer term reward. You know, one way to do it is to get into corporate finance kind of like I did and then go back to NB.

00:30:03 Rick Ormsby

School and then use MBA school and a good degree at an NBA school to be able to use that to get into investment banking and to enter the investment banking world at maybe an associate or vice President level instead of at an analyst level. And that's something that you might decide to do and also at that point you can also focus on which NBA.

00:30:23 Rick Ormsby

Schools really produce the most investment bankers, so that would be a, you know, a tried and true way to get into investment banking. If you can't do it out of undergraduate, you might hear the corporate finance route instead, and then go back to.

00:30:36 Rick Ormsby

Cool. And then I think, you know, there are different sizes of investment banking companies. You have the bolt bracket firms like Goldman Sachs, you know, big huge buildings in downtown New York and they make the biggest deals in the world happen. You have mid size regional firms that have some generalist capabilities and some regional capabilities, but also maybe some niche markets. And then you have kind of specialist advisors and bankers.

00:30:57 Rick Ormsby

Like me, who specialize in franchise businesses that are small, medium and semi large scale.

00:31:03 Rick Ormsby

And so you have all kinds of different sizes and special days in investment banking. And so I think you, you know, you know if you.

00:31:11 Rick Ormsby

Want to go?

00:31:11 Rick Ormsby

To bulge bracket route, they're going to be looking more for pedigree and if you if you go the the smaller route, you're probably going to be able to hustle your way into a relationship and impress someone like me who was once your.

00:31:24 Rick Ormsby

Age and was trying like heck to find an opportunity to to and someone to convince someone to hire me. You know what I mean? So those are maybe some some piece of.

00:31:32 Rick Ormsby

Feedback question number six, what do I attribute my success? And that's a a modern to answer that question, right. So what do I attribute my success? I had to think about?

00:31:42 Rick Ormsby

This for a.

00:31:43 Rick Ormsby

While the first, I would say is I was willing and eager to meet new people and genuinely get to genuinely get to know them, that's always been something that's been at.

00:31:50 Rick Ormsby

The middle of my life, I you.

00:31:52 Rick Ormsby

Can put me in a group of five.

00:31:54 Rick Ormsby

1000 people and I'm at my most energetic 5000 people. I don't know. I really and it's and it's I believe I hope it's genuine. I genuinely love to meet new people all the time and hear their story regardless of what walk of life they're they're from or what their profession is.

00:32:09 Rick Ormsby

Or who they are.

00:32:10 Rick Ormsby

And so I think you have to be willing to meet new people and be genuinely interested and get to know them. So I think that's number one. Number two is again, I've got plenty of weaknesses here. But, but but you're asking me what I attribute my success. So I'm I I hope I'm not sounding bragging, but I I I'm fairly perceptive and curious, you know and so I'll tell you a story that may.

00:32:30 Rick Ormsby

They, you know, may may.

00:32:32 Rick Ormsby

Illustrate this when I was 10 years old, I was selling cookbooks for.

00:32:35 Rick Ormsby

My mom on a convention floor.

00:32:37 Rick Ormsby

And I really quickly realized that mom, mom had me like, cook up some recipes in a cookbook. And, you know, it's.

00:32:43 Rick Ormsby

Like a A.

00:32:44 Rick Ormsby

Chocolate cake and I would hold a pan and I would ask people if they want a sample and I'd tell them, hey, do you want a cookbook and?

00:32:49 Rick Ormsby

Whatever click they found.

00:32:50 Rick Ormsby

Out even as a 10 and 11 and 12 year.

00:32:51 Rick Ormsby

Old boy was the.

00:32:53 Rick Ormsby

People who ate the people who ate the the the samples of cake and wanted to talk to you the most.

00:32:58 Rick Ormsby

The ones who you might be able to sell one book to, but the person who's going to buy 50 or 100 cookbooks for their gift shop, or you know or bookstore was like was was quickly somebody who had their head down with a clipboard in their hand and was walking fast and not.

00:33:13 Rick Ormsby

Stopping at any of the booths to talk.

00:33:15 Rick Ormsby

And I saw.

00:33:16 Rick Ormsby

That, and I saw that and I was like, aha. And so I went to that person and started chasing them down in the convention hall. As before, I was even a teenager. And I would make like, all of a sudden, my mom would come back. So, like, honey, you just sold 250 books while I was gone. I.

00:33:31 Rick Ormsby

Was like, yeah.

00:33:31 Rick Ormsby

Mom, you know you know, and so and so in that kind of story.

00:33:35 Rick Ormsby

I guess I would just say I was always kind of perceptive and curious of how to.

00:33:39 Rick Ormsby

Solve problems and watched how people behave and.

00:33:42 Rick Ormsby

I think that was something that was, that was part of my success.

00:33:45 Rick Ormsby

I was also persistent, you know, hard to say no to. I'll just keep running through a brick wall. I can remember in college, one of my college. And you get this this before you know people, you know, employers would would mail you letters saying that you weren't approved for the job or they gave the job that you're applying to to somebody else and in color to the University of Illinois. When I was getting my masters.

00:34:05 Rick Ormsby

And some buddies, had we called it the wall of bong, and we would take all these. No letters, like sorry we given the job to somebody else. You know, we'll keep your information on file type of letters. And we had taped into this huge wall in the living room.

00:34:18 Rick Ormsby

This House and it got so it was almost like a Picasso at the end of the year. I mean, I think we had somewhere between 60 and 100, you know, kind of bong letters, tape on the wall. And it became kind of like a motivator to us, right. You know, just like you got to keep hammering through it and you got to be told no a lot before the right, you know, the right opportunity.

00:34:38 Rick Ormsby

Things up, you know and and and maybe it's just one shot is what.

00:34:42 Rick Ormsby

You get and when you get that shot. You got to take it other things to my success, clients have told me it's because they feel like I'm trustworthy and and so I'm honored and blessed by that. And I would tell you to listen to what your grandparents tell you about your word is your mind. So be trustworthy. Never go back against your word. And then the last thing I would say about attributing my success is serve.

00:35:00 Rick Ormsby

A cause bigger than yourself?

00:35:02 Rick Ormsby

It can't just be about.

00:35:04 Rick Ormsby

You you know what I mean? Like you learn humility and you learn that service for others makes you a better, better and bigger person. And so for me, obviously, you've heard me talk about in the last couple of minutes, you know, the great my Christian faith and the service that comes and the benevolence that flows through that has.

00:35:21 Rick Ormsby

Been a big.

00:35:21 Rick Ormsby

Part of what I believe my success is.

00:35:24 Rick Ormsby

Because it has helped ground me and humble me in A cause and a people. You know, the A cause that's bigger than me and people who are more and more in need than me, you know, and I see, unfortunately. And it's because of our capitalistic society, a lot of young people don't get that and and I want you guys to get how important that is.

00:35:43 Rick Ormsby

And so, you know, even at unbridled capital, we've given away several $100,000 charitably to various organizations. And we we typically do on most of the deals that we close, we give a portion of the money back to the brand as a, as a blessing to their foundations or to a charitable cause because I want our company to also to, even in a small way, to be thinking about.

00:36:04 Rick Ormsby

Serving A cause that's bigger than just ourselves, so 7th question is that valuable life lessons along the.

00:36:11 Rick Ormsby

May.

00:36:12 Rick Ormsby

OK, so this is #7. I think this is a good one, so listen to this time we want to come up with this, but don't buy the advice of of people who tell you to find.

00:36:20 Rick Ormsby

Your passion in.

00:36:21 Rick Ormsby

Life so many people say that if you're a young person and how many times have.

00:36:26 Rick Ormsby

You heard find something.

00:36:28 Rick Ormsby

You're passionate about and it will never become and will never be work to you.

00:36:32 Rick Ormsby

But I think that's mostly empty and worthless advice from people who likely have never found their passion and are trying to give advice that they couldn't take.

00:36:43 Rick Ormsby

So I would not listen to a lot of that advice. Some it's probably OK, but here's what I'd tell you. Don't worry about finding your passion. Instead, find something that you're pretty good at. Put your head down and work as hard as you can, and don't pop your head up for a couple of years. And if you're good at it, you'll be rewarded by your success.

00:37:03 Rick Ormsby

I'm convinced and this will make you eager to continue doing.

00:37:07 Rick Ormsby

And if you're not good at it or you're not rewarded for your success, then you move on and you use that to find your grounding and to find your success in your career. You don't just kind of skip around like like, you know, Alice in Wonderland trying to find something you're passionate about because that is like this.

00:37:27 Rick Ormsby

It kind of like amoeba of vagueness that really is not actionable against right.

00:37:33 Rick Ormsby

Well, I mean, I'm passionate about watching football on Sundays. Well, what's that going to do for my career? Right. So. So I'm just work hard, put your head down, and then if you're good at something, you'll be rewarded by your success and you'll make it something at that point that you enjoy doing. Right. And I happen to love my job and career. You probably hear my voice so much so that I no longer even notice or delineate the difference between working and not working.

00:37:56 Rick Ormsby

This job and this career I have is a blessing for me. It's not a burden, did it wasn't my passion. Well, no, it kind of happened on it because I told you earlier I left abruptly left young brands. But like, did I put my head down and work hard at it and then achieved some success with it. And then it just kind of started ***********.

00:38:16 Rick Ormsby

And the success and affirmation I got from it, it helped me enjoy it more and more.

00:38:21 Rick Ormsby

And that's kind of how it.

00:38:23 Rick Ormsby

So another valuable life lesson. Know your personality type. I like change and I love to learn. Those are probably, you know, other than like being an extrovert. Those are like my three big things and thus for.

00:38:35 Rick Ormsby

Me a static.

00:38:35 Rick Ormsby

Corporate job or a government job would never have worked for a long time. It would have it worked.

00:38:41 Rick Ormsby

For it for a while at young.

00:38:42 Rick Ormsby

But is never going.

00:38:43 Rick Ormsby

To be something that I could do.

00:38:44 Rick Ormsby

Over and over and over again because as.

00:38:45 Rick Ormsby

To to static for me. And so, you know, look at look at your personality type. Think about your maybe take a personality test, talk to your folks about it. They're all over the place and start to dig into. Don't overdo it. But like, get a little bit of an idea.

00:39:00 Rick Ormsby

Of who you.

00:39:01 Rick Ormsby

Are likely to be based on your personality type and then try to match that up a little bit with a type of career and a type of job.

00:39:07 Rick Ormsby

In the M and a field investment banking world.

00:39:10 Rick Ormsby

Like we do this, we like.

00:39:11 Rick Ormsby

We do the same.

00:39:12 Rick Ormsby

Thing with every client, but every deal is different.

00:39:16 Rick Ormsby

Deals have different personalities and different brands and different unit counts and different sizes and different challenges at different times. And so there's been enough change and enough new fresh continued learning in my job to keep an otherwise fiddly person, you know, standing pretty still over 20 plus years. So it's been.

00:39:36 Rick Ormsby

The change within the job that that, that investment banking job has been really perfect for me. You know, because M&A deals change constantly and that feeds my personality. And then lastly, I did say you know, I'm an introvert, so every person, party an extrovert, so I get energy from working with people.

00:39:51 Rick Ormsby

And you need to you need to be thinking about that a little bit like you know what type of personality do you have an introvert or extrovert? I mean, if you were going to be a researcher, like researching stem cells or whatever, I don't know that has a different personality type than being a door to door salesman, you know what I'm saying? So try to match those things.

00:40:10 Rick Ormsby

With with the.

00:40:12 Rick Ormsby

Another comment about valuable life lesson is mentorship. I found a mentor at 30. It was someone. Generally, I think for you will be someone older at a different stage of life and perhaps in a different career path than yours. But it's somebody who can pour into you who's not your friends and he's not your mom and dad and I. I mean, like I saw my faith in my.

00:40:32 Rick Ormsby

My my perspective on life grow immensely. When I had this young man or older man in in Louisville, KY, who was my mentor for like 15 years and he was double my age. I was 30, he was 16. And I, I mean, he, he, he he knows because I've told him over the years how important he is to me. But that might be open to mentorship.

00:40:52 Rick Ormsby

Another area of valuable life lesson is to learn how to speak.

00:40:56 Rick Ormsby

Public learn how to speak in public. Most people say that there are many people say that like picking, speaking in public and death or like, you know, if it's just some people that that those are like interchangeable, they're they're both so scary, right? So. But but public speaking skills can be learned. What you're hearing in my voice.

00:41:17 Rick Ormsby

Is the result of.

00:41:19 Rick Ormsby

Teaching Sunday school lessons at Church for 10 years in front of 100 to 200 people with a podium teaching a topic that I knew less about than the people in the stands and I had to feel questions not knowing and comments not knowing what they were going to say. And so that was a proved to be a really great training ground.

00:41:38 Rick Ormsby

For being a public speaker because you had to learn to think on your feet.

00:41:41 Rick Ormsby

And you had to learn how to handle conflict. You had to learn to not know the answers to things and.

00:41:46 Rick Ormsby

Be OK with that.

00:41:47 Rick Ormsby

And you can probably see that through the six seasons of the restaurant boiler and that we've been doing and I've been speaking professionally, you know, at restaurant Finance and Development Conference coming up this year will be a third year in a row. They're asking me to be a panelist, right? And they keep telling me that other than the main panels, yours is the most popular.

00:42:03 Rick Ormsby

Male to to be attended every year, right. I'm blessed and honored by that, but a lot of that is on the is on the training of being a speaker that was developed at church over all those years and so find a way to learn how to do public speaking and to train that skill, even if it's somewhat of a weakness. It will suit you really well.

00:42:21 Rick Ormsby

My last piece of advice would be to be unique and interesting. You don't want to be like everyone else, Robert Frost said. I, you know, I took the road less traveled and it has made all the difference. I mean, that is one of that is one of my signatures. I'm not really like anybody else. I never have been. I'm I'm you know, like I might identify.

00:42:42 Rick Ormsby

30% over here is somebody here and 30% over there and 30% of you know like I'm I'm I'm not really I'm I'm I'm quite unique in many ways. My wife tells me you're a mess.

00:42:51 Rick Ormsby

Right. But I've always been unique and and I would say the same thing. You don't want to follow everybody else's.

00:42:56 Rick Ormsby

Path you've got.

00:42:57 Rick Ormsby

A card out a little bit of a path and a road less traveled. And don't be afraid of it. You know what I.

00:43:02 Rick Ormsby

Mean don't be afraid.

00:43:03 Rick Ormsby

Of it, OK, tools that help me along the way. Just a couple more questions, #8. I've read a bunch when I was in my early 20s and so incur 2 books that meant a lot to me were how to win friends and influence people.

00:43:13 Rick Ormsby

Dale Carnegie and also later took his sales training course when I was in my early 20s and.

00:43:20 Rick Ormsby

It made a huge.

00:43:21 Rick Ormsby

Huge difference in my.

00:43:22 Rick Ormsby

Life. I stopped asking like interactions with people stopped talking about myself all the time and started like with genuine interest, asking people about themselves and listening to their stories and listening to what they said. That's simple application of one of the first rules by Dale Carnegie will make a huge difference in your relationships with people.

00:43:45 Rick Ormsby

Also, you know later in life I love the four hour work week by Tim Ferris because it taught me to kind of let go of all of my, you know, preconceived notions and anxiety is what people think about me. And so those are two books. There's plenty of others. You know, I've I've taken my kids through the rich dad, poor dad and and some of the other books out there that are really kind of meant to kind of give you some business.

00:44:07 Rick Ormsby

And then, so I would say read about it.

00:44:09 Rick Ormsby

On tools that help me also, we're traveling and learning other perspectives. You may or may not know that I speak Spanish. It was a really big deal for me in high school, you know, I spoke it fluently. I still speak. It probably was 70 to 80% fluency, but I don't use it as much as I used to, but I I studied it in college and you know, like a red Don Quixote in old Spanish.

00:44:27 Rick Ormsby

Which is like a 700 page book.

00:44:29 Rick Ormsby

That was hard. And uh, you know, I, you know, I I won awards for for non-native Spanish speaker in in college and so I think learning traveling learning other perspectives and cultures really helps with listening, negotiating and with empathy.

00:44:44 Rick Ormsby

If you just stick in the same bubble all the time, you tend to become insulated and opinionated and too hard in a world that needs us to.

00:44:53 Rick Ormsby

Be a little.

00:44:54 Rick Ormsby

Softer. That makes sense. Other tools to help me. I'm keeping I I would. I keep multiple groups of friends and like I said to you earlier, I'm willing to meet new people still at this age.

00:45:05 Rick Ormsby

All the time.

00:45:06 Rick Ormsby

But I keep multiple groups of friends. I don't just have one group of friends, and that's really kind of helped me be flexible, open minded and with some new perspectives, you know, and so that that's been important. And now I've also really gotten into trade journals and conventions and you know, kind of an experts.

00:45:25 Rick Ormsby

You know? And so I read a lot about experts and in any place to learn best practices, what my competitors are doing and how my clients feel.

00:45:33 Rick Ormsby

You'll, you know, usually in, you know, in in, in those types of formats and forms, I dig into those a lot. And so I you know I I would encourage you to find things like that once you find a a possible path that interests you and you learn a ton in a hurry. So #9 is what is the outlook for your generation? So you're asking me here.

00:45:53 Rick Ormsby

What do I think about your generation now? A lot of people are gonna say Ohh world's going to hell in a handbasket, right? And you know things are awful. And look at all the wars and the terrible politics, you know, strife going on.

00:46:03 Rick Ormsby

In the world and.

00:46:04 Rick Ormsby

All these things are true, but I'm I'm going to deliver a mildly, I'll say mildly positive now.

00:46:09 Rick Ormsby

Which is I have been around a lot of young people in their teenage years. In the early 20 years, and I am frankly really motivated by the desire to learn and achieve and succeed and and improve our our world and our country in the young people that I see.

00:46:29 Rick Ormsby

That are around my sphere of influence and I know I'm not talking about everybody, but I'm telling you there is a strain of really awesome young folks who are going to make a big difference in this world. So I have a general positive outlook for this generation.

00:46:46 Rick Ormsby

I would say.

00:46:46 Rick Ormsby

A couple of things to tell you number.

00:46:48 Rick Ormsby

Supply and demand is a big deal as it relates to sales ability, selling things and the ability to sell things is going away in our world because your generation, your young generation is, is is you know and it's not your fault, but you're just you're a technology generation and so you communicate in short threads on social media and apps and all this.

00:47:08 Rick Ormsby

Stuff and your ability to look someone in the eyes and to be persuasive and to convince someone to buy something or to believe your point of view in person is an ability that your generation just naturally doesn't possess as much as our generation and the demand for sets, people who sell things that way may slightly.

00:47:28 Rick Ormsby

Wayne over the next 20 or 30 years, but keep in mind that people like me are going to be continue to be at the height of their career for the next 10 to 15 to 20 years and we grew up that way. So the supply is going to be really, really down of people who can sell things and the demand of needing sales skills is still going.

00:47:47 Rick Ormsby

Be there and I think the ability to be a a strong salesperson, whether or not you sell, but just knowing how to sell even if you're not in a sales job is a trade that will have increasing importance and will be increasingly rare going forward. And so I encourage you to make that a part of your college education.

00:48:07 Rick Ormsby

And if you don't get it in your coursework, seek it out in seminars and training classes and things outside like the Dale Carnegie class or any other any other type of way to to learn sales training tools. And again, do it even if you're not having any. If you're going to be a CPA and you have no interest in being.

00:48:23 Rick Ormsby

Salesman, do it. Go to sales training and then again be be honest, be hard working. Be dependable and don't expect too much too soon. The simple age-old characteristics of that will win as presented by your grandparents. And then lastly in #10 and this is the final one and thank you for holding on here. I would say the question.

00:48:43 Rick Ormsby

It is it. Give me some advice now to a freshman in college. You know, as a 50 year old man at this stage in your career. And so this is kind of my final way to kind of give you some thoughts that I think are to sum all this up would be really pertinent for you. The first thing I would say.

00:49:01 Rick Ormsby

Is to always be a learner, be intellectually curious?

00:49:06 Rick Ormsby

Learn. I don't care what it is. If it's how a daffodil blooms or how a bird flies or how a stock is priced, or how an airplane, uh carburetor. You know functions. Pardon that carburetor. You know that always be a learner. Learn.

00:49:26 Rick Ormsby

And be academically curious, be curious.

00:49:29 Rick Ormsby

And and and I made the example of compound interest, but I think learning is the number one thing that you can do to to guarantee an outsized career that when you're my age is going to outpace everyone else who doesn't have that characteristic and you will notice it much at 20 or 21 or 19 or 22.

00:49:50 Rick Ormsby

Because if you know you're only building a little bit of knowledge above your, your classmates and your friends.

00:49:56 Rick Ormsby

At an early age, but if you continue to do it throughout your life, you're going to wake up at 50 years old and you're.

00:50:00 Rick Ormsby

Going to be in command.

00:50:01 Rick Ormsby

Of so much knowledge and wisdom that you're you're you're going to be outpacing everyone around you. And so I think that's my number one. And if I had no other advice, that's my advice is always to be curious and to be a learner. Second thing I would say is make relationships now.

00:50:16 Rick Ormsby

They will more likely mean more to you than the ones you make later in life when you're in high school, and now that you're going into college and late in high school. But in high school and college, it's really the only time where you make friends because you pick the friends that you.

00:50:30 Rick Ormsby

Like, think about that at your age, you pick the friends that you make when you get into your 20s, mid 20s and 30s and 40s, you're making friends based on who's at your workmate or you're making friends. When you have, you have a family based on, you know if your daughters on the same soccer team is is, you know, is another kid and their friends and you make friends with their parents. But it's a circumstantial.

00:50:51 Rick Ormsby

Relationship that's likely more likely to be temporary.

00:50:55 Rick Ormsby

But yet, as I look back on my career and I've talked with other friends of mine, it is more likely that you will keep if you have seven or eight really good friends at the age of 50, it's more likely than not that a majority of them will come from your high school and college days. And that's because those are impressionable times when you get to choose your friends and you get to enjoy those relationships over a long amount of time.

00:51:17 Rick Ormsby

So for that very reason, don't lose touch of your high school friendships and really invest.

00:51:24 Rick Ormsby

In the experience of college and making relationships, when you're in college because they, some of them, many of them won't mean anything, but some of them will be precious jewels that will last with you through thick and thin for the rest of your life. That's number two. Number three, this to explore your faith. If you're hearing this and you're, you know, have no desire to.

00:51:44 Rick Ormsby

You know no interest.

00:51:45 Rick Ormsby

In, in, in faith and Christian faith or any other faith I would I would. I would challenge you when you're in college, to explore your faith. Why did God put you here? What is the meaning of life? What happens to you when you die? These are things that are age-old, questions that every man and woman who's ever lived on this earth has had to wrestle with.

00:52:06 Rick Ormsby

And I think they are worthy things to wrestle with as you go through college. #4 is to find a mentor, already talked about that.

00:52:14 Rick Ormsby

Even while you're in.

00:52:15 Rick Ormsby

College and it. It's someone who's not your parents and not your friends.

00:52:19 Rick Ormsby

#5 is to be willing to work hard without complaining. OK, number six, we've heard me say it before. Is be patient and don't expect riches or success to come your way immediately. And then #7 man, I would say go for it. Do as much as possible as soon.

00:52:39 Rick Ormsby

As possible life is fleeting and the quicker you get out there and make things happen, and the earlier you find your path, the longer you will have to run.

00:52:50 Rick Ormsby

And so I am one of those Carpe diem kind of guys that says seize the day, go out there and do as much as possible. Be optimistic, learn and make relationships. Explore your faith. Find them mental. Work hard, be patient and then go for it and go for it as soon as possible. And as much as possible.

00:53:09 Rick Ormsby

And uh, I I.

00:53:10 Rick Ormsby

Hope in closing that you found this to be a blessing. I wish those who hear it the most success as you go on your journey. Uh, whatever path you choose. And for those of you who just learned a little bit more about me along the way. Thank you for tuning in.

00:53:28 Rick Ormsby

Thanks so much for entering the boiler room today. You can find our podcast on iTunes, Google Play, Stitcher, TuneIn and Spotify. If you like these podcasts, please listen, rate and review. I also encourage you to visit our website at www.unbridledcapital.com for the best franchise, M&A and financial resources in the industry. A website includes webinars, podcasts.

00:53:48 Rick Ormsby

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00:53:52 Rick Ormsby

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