Intro: [00:00:00] Who wants coffee? Who wants a pot of coffee? I just made coffee. You want a cup of coffee? Sure, here you go! Who wants coffee? Anybody else want coffee? And now it’s time for the man with the caffeine, the new tropics for the brain. It’s @CoffeeWithMike, hang in, hang tight, grab your cup and let’s get this thing started.
[00:00:27] Mike: [00:00:27] Hey, welcome back everybody to Java Chat. This is Coffee With Mike hitting it here. Oh my gosh. We’re already starting first thing. Jeez. And I get the distinct pleasure of welcoming our guest today, Daniel Massimino, who is a credit repair and business funding expert. Here’s some cool insights that he’s going to share with us today. So welcome to the show, Daniel.
[00:00:52] Daniel Massimino: [00:00:52] Hey. Hi. Nice to be here.
[00:00:57] Mike: [00:00:57] All right. Cool. We have a format that we follow and the first is usually to have you introduce yourself and talk about who you are, where you’re from? Now, I know a little bit of your history, so I know it’s already an interesting story because you kind of fell into this didn’t you?
[00:01:17] Daniel Massimino: [00:01:17] A little bit. Yeah.
[00:01:18] Mike: [00:01:18] Yeah. Why don’t you tell us a little bit about you?
[00:01:21] Daniel Massimino: [00:01:21] Yeah, so, just a normal kid from the South Hills of Pittsburgh, a place called a little place called South Park.
[00:01:29] Mike: [00:01:29] Sorry, South Park?
[00:01:30] Daniel Massimino: [00:01:30] South Park Way. Yeah. So there’s South Park and North Park in Pittsburgh and I live in South Park. Well, I lived there. That’s where I grew up. And, so yeah, so, you know, I grew up in a middle-class town. Nothing too major going on. Played some sports in middle school, rode dirt bikes. Just like a normal kid, you know? And, around the age of like, I don’t know, 14 or 15, I read two books that really got me thinking, Hmm. Kind of changed the way I looked at the world.
[00:02:01] And one of them was The Magic of Thinking Big. And then the other one was the Steve Jobs biography by Walter Isaacson. And, so both of those books really opened up my eyes, to like the world and possibilities. And, so then I started my first business when I was like 14, which was fixing iPhones. Yeah. I just broke my phone too many times.
[00:02:26] Mike: [00:02:26] Basically, you were over it at that point. You’re just like, yeah, screw this. I’m fixing it myself. I’m done.
[00:02:30] Daniel Massimino: [00:02:30] Yeah. Yeah. Pretty much. Yeah. So then I, you know, it’s like $200 to get your phone fixed at the Apple store. I just looked online and I saw that the screens are like $20. And, so I watched a YouTube video on how to fix screens and before I even fixed my own screen, I just put an ad on Craigslist and I was like, I can fix your phone screen. And then I just started getting customers from Craigslist and then friends and family. Obviously, I fixed my own phone by then.
[00:02:58] Mike: [00:02:58] And you’re stumbling across this one. Aren’t you ?
[00:03:01] Daniel Massimino: [00:03:01] It was really cool. So that kind of got me, got my wheels turning. And, so then I just started thinking, well, how can I make more money doing this? And it occurred to me like people, if their phone’s broken, they think it’s worthless. But really, I mean, it’s very cheap to fix phones.
[00:03:16] And, so I started buying broken phones, just from friends, family, Craigslist, and started making more money doing that. And I would just resell them online, eBay and Amazon. And then like, I’m in like 10th grade. By the time I’m in like 10th or 11th grade, I was kinda over school. I remember sitting in this math class that I would sleep in.
[00:03:41] I would just sleep in school because then I’d leave school, I’d go to the gym. Then I would go to my job. I worked at a pizza shop. Then I’d go back to the gym and then I’d go home and I’d work on my business. And, I go to bed at like 3AM, wake up at 5AM, go back to the gym. So by the time I got to school, I would just sleep all day. And so a lot of my teachers knew I was pretty smart, but so they kind of respected my hustle. But, one in particular really irritated me and she would always like, get on me.
[00:04:10]Mike: [00:04:10] Is this the Karen teacher that goes, you’ll never amount to anything. I mean, was that, is that the one?
[00:04:16] Daniel Massimino: [00:04:16] No. Nobody ever said anything because I think they knew I was pretty certain like what I was going after.
[00:04:23] Mike: [00:04:23] That’s kind of odd, dude. I mean, not everybody really gets to that point so early in life where they’re just like, Yeah, I’m pretty, I’m pretty clear. This is, this is where I’m headed. That’s pretty cool, dude.
[00:04:34] Daniel Massimino: [00:04:34] Yeah. I don’t know that book. There’s two books really just like set the sail there. And ever since I read those two books, I’ve been on the same, the same mission, which is this like freedom, you know, building a large enterprise, you know, solving problems. So anyways, I woke up one day from school and I look at my phone, like I’m in the cloud, I’m sleeping through this math class.
[00:04:54] I woke up and I made like $500 from eBay while I’m sleeping for this class. And then it’s occurred to me, you know, like, these teachers are teaching me how to make money, like get a, go to school, get a career so I can make a living. And I’m making more money in one class, sleeping in there, then they’re making their entire day.
[00:05:16] And I’m like, this doesn’t make any sense to me. Like how are they going to teach me how to make money? Because maybe I should be teaching the class, you know? So like fast forward, you know, like senior year I missed like 90 days of school. I’m late 90 days of school. I wasn’t like a bad kid, but I just didn’t respect authority. So I ended up eventually, like I kept getting written up for missing class and, so they just told me that like, Hey, don’t come back to till graduation.
[00:05:47] Mike: [00:05:47] They received the message.
[00:05:53] Daniel Massimino: [00:05:53] And, anyways, fast forward a little bit. I go to college. I didn’t want to go to college, but my mom wanted me to go. So I figured, well, I’ll give it a shot. So I went to Duquesne University for finance, and I’m still running my eBay business and still working at the pizza shop. And then my business just started to take off somewhere around the age of like 19. And, so I’m like, well, I’m just I’m school is not for me. So I dropped out of college and I just go all in on that, which was cool. Life was good. Like got a BMW, got a nice motorcycle, all that stuff.
[00:06:28] So the phone fixing just turned into how can I buy more phones? I got them from, you know, 25 different Verizon stores in the area. And then, we would just, we started buying them directly from the big box retailer. So like Target, Walmart, Best Buy, all their returns and then we would resell those all throughout the world. So it was pretty cool.
[00:06:56]Mike: [00:06:56] Did that scale out too? I mean, as far as revenue is concerned? I mean, you’re jumping. You’re not just taking small steps. Those are jumps.
[00:07:06] Daniel Massimino: [00:07:06] Yeah. Well, there are jumps. I was really aggressive. I still am, but I’m a little, add a little bit more wisdom. So we eventually ended up doing a little over like half a million a month. Like our best month was like 700K.
[00:07:18] Mike: [00:07:18] That sounds about right by the way you’re describing it.
[00:07:21] Daniel Massimino: [00:07:21] It was pretty cool, but I mean, I didn’t know anything about running a business. I didn’t know anything about like, managing costs and overhead and margin and all that.
[00:07:31] Mike: [00:07:31] All the unforeseen started showing up. Didn’t they?
[00:07:35] Daniel Massimino: [00:07:35] Yeah, well, it happened really quickly. It was like overnight.
[00:07:38] Mike: [00:07:38] It never comes in small spurts when it goes like that, dude.
[00:07:42] Daniel Massimino: [00:07:42] Yeah, it was like three months. It’s just like I lost a lot, a lot of money. And so by the time like 21, I ended up actually having to file bankruptcy on a personally guaranteed loan. And, anyway, so I was like, this was like maybe like June 2015 or June 2016? I just went into this deep dark place because you know, my whole life was going according to plan, you know, everything was going good.
[00:08:09] And then just like, kind of hit me in the face. So that was when I was 21. And, so I spent a couple of months just like being depressed, sleeping all day. This is like trying to figure out what next because I didn’t have any money left. I had bills. I moved back in with my parents, so I’d have to pay for rent and it was a dark place.
[00:08:29] But then it occurred to me one day. I’m like, well, I don’t have money. I still know a lot of people that want to buy electronics. And I know a lot of people that sell electronics, you know? And so I just started brokering electronics. So just being in the middleman and then taking a little percentage. Over the course of like three to six months, me and a few old associates of mine from that industry. So like $2 million or $3 million worth of electronics, like fairly quickly. So I’m back on my feet, you know? It wasn’t like we were making a lot of money cause we’re just brokers. So we make maybe 3% or 5%.
[00:09:06] Mike: [00:09:06] Sure, sure. Some opportunities there that matter. That’s all good.
[00:09:10] Daniel Massimino: [00:09:10] Yeah, but then I had this ego. I had this like chip on my shoulder cause I failed and I was in business with a family member, prior to that. And so I had this chip where I like, I wanted to prove that I could do it by myself. So like I just jumped right back into just trying to go balls to the wall, like growing as quickly as possible. So I got an office, started hiring people, actually started a digital marketing company with a few friends of mine too.
[00:09:35] Everything’s going well up until like the following year. And then I just had some, a lot of personal issues that kinda kind of took over my life and everything sort of spiraled out of control. Again, luckily that time I knew how to manage the crisis a little bit better. So I didn’t run out of money. I didn’t have to move home. I still paid all my bills.
[00:09:57]Mike: [00:09:57] You were a little more mature this time.
[00:09:59] Daniel Massimino: [00:09:59] Yeah. A little bit. Every time you get a little bit wiser, you know? So that was cool where we were at eventually, where I’m at and where I’m trying to go. I essentially realized that the electronics industry wasn’t for me. I needed to try something different, and I just started looking for jobs. I’m like, whatever, I got to find a job, I’ve got to find something that piques my interest. The only thing was that I’m a college drop out, my business failed, you know. I wasn’t exactly the best candidate and my ego was damaged. My confidence is damaged.
[00:10:40] I wasn’t the best interviewee, and I couldn’t really find any sales job that seems realistically advantageous to like, growing and making a decent living. All the ones that I did find like in Pittsburgh, like the shady door to door MLMs.
[00:11:05] Yeah. So I ended up just getting this random email from this credit repair company in Connecticut. I was like, okay. I worked from home at a hundred percent commission sales only. You can make over 100K a year if you hustle. And, like here’s our services. And I’m like thinking about it. I’m like, well, I don’t know anything about this company.
[00:11:24] You know, it could be a scam, blah, blah, blah, blah, blah. I’m like, whatever, I’m just going to go and try it because it’s whatever. And so I just put my full energy into it. And like my first month I made $900 in commission. And then the fifth month I made like 21K on commission.
[00:11:46] And I was like, well, I’m pretty good at this. You know? And I really enjoyed it too because you genuinely get to help people. And I’m really interested in different businesses. You get to learn about a lot of different businesses and finance. And so the only problem really was the company that I was selling stuff for.
[00:12:03] Just didn’t give crap about, you know, doing good work and actually taking care of customers. And so I noticed this. It didn’t matter how much money I made. When I sell somebody something, I’m essentially giving them my word. And, if we’re not delivering on that, I feel like a piece of crap at the end of the day. So I just did a bunch of research, you know, a lot of critical thinking about how it gets solved, these problems that the company was having. And I’ve just brought it to their attention. And they didn’t really care. So I just ended up starting my own thing in like January of 2019, roughly.
[00:12:38]Mike: [00:12:38] So this is a little bit sure.
[00:12:41] Daniel Massimino: [00:12:41] There’s nowhere yet. So I’ve been in the industry three years, two years. I’ve been doing it on my own. Well, we have a team of people now, but yeah, I started alone.
[00:12:49]Mike: [00:12:49] Sure, sure. Luckily credit repair is in great need still to this day and you’re going to be in bigger need here very shortly, too, considering all the stuff that’s going on with the economy and so on and so forth.
[00:13:00] Daniel Massimino: [00:13:00] Right? Yeah. I mean, it’s unfortunately a good time to be in our business for sure both with the Coronavirus, you have 30 million people unemployed. And then just from, you know, I think a lot of people are starting to realize that they’re pretty disposable to their nine to five employer at the end of the day.
[00:13:23] A lot of companies just laid everybody off or fired them and they’ll probably never get their job back. So I think people are going to start to realize, at least what I’ve seen is like, Hey, I need to have some sort of business, even if it’s a side business that I can have income that is solely dependent on me, as opposed to this corporate 500 company that could just fire me at will. So that’s cool too. So that helps us on the business side. And obviously with people being unemployed, they can’t pay their bills. And so their credit gets affected. Yeah. Yeah.
[00:13:55] Mike: [00:13:55] Yeah. That’s normal. It’s interesting too, because obviously we’re all watching this happen, and if you’re listening to this and this is 2025, this is where we’re talking about this before the actual issue hits the fan. We’re already seeing the effects. As an example, just recently, I live in Las Vegas and they’re doing what they called a “pause” over here. They’re scaling back again. A bunch of casinos recently brought back layoffs.
[00:14:28] And now they’re laying off again, only this time. It’s permanent. So there’s a lot of people that are going home with nothing and that’s really hurting, but most people don’t understand. It’s not just them. That’s hurting. The casinos are having to pay into this unemployment insurance, even while it’s paying out, they have to pay it back. And if they’re not making money, They’re still having to pay into it.
[00:14:52] And those bills are huge. You’re talking about, you know, 5,000 employees and you’ve reduced your workforce down to maybe a quarter of it just to kind of keep the place open, but you’re still trying to make, and you’re still trying to make income. So it’s like the company is going to suffer. The public is going to suffer. And it’s all entangled. That’s an entanglement, no matter how you look at it. Right? So when you’re looking at what we’re starting to see, the after effects, your business is going to be hugely needed, just simply to navigate the craziness because you know, the rules are gonna change once all this stuff finally washes out.
[00:15:32] Daniel Massimino: [00:15:32] Right. And even now, like, for instance, I was actually talking to a customer of ours, like Discover gave them, two or three months.
[00:15:41] Mike: [00:15:41] Forbearance?
[00:15:43] Daniel Massimino: [00:15:43] Right. But, here’s the thing it’s like, so they said that, and then three months later, or five months later, their customers looked at their credit report and Discover reported all that as late. I mean, I’ve seen it with other banks too. so, I mean, that’s unfortunate.
[00:16:03] Mike: [00:16:03] It’s interesting that yeah, it is. It’s interesting that the larger creditors still don’t seem to communicate internally very well where one side will say, yeah, we’re good. We got you. And then they’ll still turn around and do that. And it’s like, well, wait a minute. What’s the actual effect that we can talk more about this. And the next section, we’re going to take a break here for a second, but, When somebody says, yeah, we’ll give you a forbearance and then they turn around and report you late.
[00:16:29] What was the point of the forbearance? I mean, it doesn’t make sense. I thought there was an okay, we’re going to let this one go. We’re not going to report 30 days late or, or 60 days late, you know, that kind of thing. So it’s really odd to me that the larger or larger creditors do it. They’re just unclear about what they’re offering and, you know, the poor consumer that doesn’t know any better ends up taking the hit or they’re intentionally setting it up that way, which is not entirely far-fetched.
[00:17:01] Daniel Massimino: [00:17:01] Yeah, it’s not because, I mean, at the end of the day, when consumers have lower credit scores, they pay more on interest. And when they pay more in interest, that’s how the banks make money. So, I mean, it wouldn’t be farfetched, but I personally think that it’s more of just a, like a, a management and then the sheer scale of the systems that are in place that needed to be changed to accommodate these sorts of things. And so that’s the real challenge, I think.
[00:17:25] Mike: [00:17:25] Yeah, I get ya. I get ya. Okay, cool. Well guys, we’re going to take a short pause for the cause, 30 seconds. And when we come back, we’re going to get into a little bit more, cause I want to talk about what, what in those two books really turned it on for Daniel, and some of the things that keeps him moving and motivated today, we’ll be back in 30 seconds.
[00:17:41]37 We’re back here at Java Chat with Daniel Massimino. What’s the name of your company?
[00:17:47] Daniel Massimino: [00:17:47] Credit Connection.
[00:17:48] Mike: [00:17:48] Credit Connection. Okay. So Daniel Massimino with Credit Connection, we were just kind of starting to get into that. We’ll probably talk more about it in the next section, but right now this is the section where we talk about what motivates, what inspires, what gets you up in the morning?
[00:18:03] Daniel was mentioning a couple of books that he read when he was very young. They kind of changed his outlook on life. and, and for memory’s sake, I kind of want to, I want to talk about those because they’re both probably amazing books. I’ll probably have to add that onto the queue of books that I have sitting over here. I got a stack. It’s like, you know, you read one book, you start reading that when these diaried in a second book and a third book published anyway. First off, how’d you find the books and then what in that actually made that happen?
[00:18:41]Daniel Massimino: [00:18:41] To be honest, I think I found the one, The Magic of Thinking Big in the school library because I used to go there. We had a class that was just for studying, I forget the name of it, and sometimes we can go to the library, so I would go to the library and I think I just found the book there and I’m not too sure how I found the Steve Jobs book to be quite honest.
[00:19:01] I might’ve found it in the library probably. But, I mean, really the impact that I got from The Magic of Thinking Big was just, I’m sort of thinking like, yeah, you got to understand, like, I came from a, like I said, a middle-class town it’s called South park and, like the. The thing that people aspire to achieve there is, you know, go to school, get a job, work your nine to five, maybe make 75K a year and hopefully retire by the time you’re 65.
[00:19:31] Hopefully like that’s the dream. Right? And so The Magic of Thinking Big just, you know, really a lot like talks about how if we set a goal, we need to set that goal much higher than we think. And what’s crazy about that is like, we can achieve most of the things we set our mind to, but we’re programmed with these limiting beliefs.
[00:19:58] That kind of holds us back and those programs come from childhood. It comes from your environment and all of that stuff, you know, it’s built into your brain. So everything you do, I read a stat somewhere like 93% of the decisions that you make on a daily basis actually are predetermined by your subconscious mind.
[00:20:17] And your subconscious mind is made up of the visual, the images, the sound and the people and the ideas that you’ve been surrounding yourself with for the past seven years. So when you come, when you come up from a place of, you know, lower to middle-class and you’re surrounded by those ideas and those activities and those beliefs, then that programs into your mind.
[00:20:38] And so that’s the only thing that you believe is possible. So The Magic of Thinking Big, this made me start to see the possibilities of something greater than just that. Not to say that that’s bad because I mean, for some people they enjoy that sense of security, but I just personally don’t like that just bores me. So that was really cool.
[00:20:59]Mike: [00:20:59] It’s interesting that you mentioned that. A lot of what most people don’t recognize and yeah, you’re right. There’s nothing wrong with that. I actually used to get chastised by an ex that that’s just, you look down on people with jobs. I said, no, I don’t, I don’t look down on people with jobs at all. I don’t talk down to people with careers at all. I think it’s amazing that they have it. I think it’s amazing that they’re doing well, you know, at least well enough to be able to cover their bills, cover their expenses. I mean, that’s, that’s the place of stasis. That’s cool. Not, I’m not against that.
[00:21:32] I’m against me having a job because I know I can do more. And I know I can do more for others, not just for me, but I can do more for others. And every decision that I make and every action that I take can actually affect a very large group of people if done correctly. Right. My thinking was opened up like yours.
[00:21:51] Once you read The Magic of Thinking Big, I’ve had mentors and I’ve read other books years ago that changed the perspective that opened up the field of view. Right? Well, and it sounds like it did the same thing for you where you look at life as it’s presented to you and then read a book and all of a sudden life opens up. And all of a sudden there are other possibilities.
[00:22:25] Daniel Massimino: [00:22:25] There are levels. Yeah. It’s like a mountain and the higher you climb the mountain, the further you can see it. It’s amazing. I mean, even I continue to meet new people. Like, I’ll give you an example. I met an associate of mine maybe like two years ago in the credit business.
[00:22:44] He lives in Erie and the dude owns two planes. Yeah, he has two planes. He loves flying his little planes and actually one of his planes makes some money every month cause he rents it to the flight school. But then I start talking to him about planes and then one day he flies down to Allegheny County airport here, which is near in the South Hills of Pittsburgh.
[00:23:02] He picks me up in his plane and then we fly back to the area, do some business and it just opens my whole mind up. So like Holy crap, it’s completely possible to buy a plane. And then I started to learn about all the things, like it’s financially in a lot of cases, it makes sense to own a plane, you know. And like, I would have never thought about that had I not met him? And I’m like, never thought about what that could do to my life. But a lot of people think a plane is a lot of money, which is all relative money in general.
[00:23:28] Mike: [00:23:28] Yeah. It could be, it just depends. What was it? I think it was Tony that was saying, you know, look for bigger problems. Today it might be, how do I fill the gas tank next week? It might be, how do I fill the plane? Where your attention is, is where your attention will go.
[00:23:46] Daniel Massimino: [00:23:46] Yeah. And like, so another example of that, like the level’s like a mentor of mine now sold his last company for like over $80 million. He has a Masters in taxation and accountancy, which I’m terrible at. And so like I pick his brain off and cause one day it’d be cool to sell the company for 80 million bucks. Most people think that’s impossible, you know, but—
[00:24:12]Mike: [00:24:12] It happens. It happens every week. It happens almost daily. That’s it? That’s again, like you said, going up the mountain, you get a wider field of view.
[00:24:20] Daniel Massimino: [00:24:20] But the other thing too, about going up the mountain is the higher up the mountain you go, the less people come and that’s true. That’s the other problem. It’s challenging because a lot of times, you know, people will think you’re crazy for what you think. And it’s just because they have these limiting beliefs about what’s possible for them. So for me, like eventually I just got to this point where I’m like, you know, I just need to stay in my lane and stay hyper-focused and not let, like, not let the ideas and opinions of others affect what I believe. And the more I do that, the more success outline
[00:24:55] Mike: [00:24:55] That makes sense. So you got that book and then you found Steve’s book. What about that book? Got you.
[00:25:02] Daniel Massimino: [00:25:02] I mean, Steve Jobs is just an extremely fascinating guy, built one of the biggest companies in the world that affects a lot of people and connects them. It did a great thing for the world. Oh, you also did a lot of bad things, but you know, just like his personality and the way that he thought about the world and, his place in it and Apple’s place in it. And also, I mean, how he grew that business really quickly, and his ability to, to see or understand what people want before they know they want it is extremely fascinating. And on top of that, he’s a master. Like marketer and salesperson. I mean, when Steve Jobs is on a stage, I mean, it’s just, yeah.
[00:25:41] Mike: [00:25:41] Yeah.
[00:25:43] Daniel Massimino: [00:25:43] He’s a showman.
[00:25:44] Mike: [00:25:44] Yep. Interesting showman. He’s not one of those that’s super flashy. He just comes out and he just lays out stuff and you just look at him and go, Jesus, how did you even know? There was a video I remember seeing of him doing one of his talks where an engineer challenged him and said, how come we’re not putting out more products, you know, to sell. And his. His response. You would’ve thought he would have ripped a kid, a new one, but his response was so tactful, in a manner of: Let me be clear your purpose isn’t to just make products. Our purpose is to create products that people want and he did it. I can’t remember how long the speech was. It wasn’t very long.
[00:26:28] But he essentially said, we went back out to the people to find out what they wanted. Those are the products we’re creating. If we just create products to create products, nobody buys them. What good are they? Right. We’re creating stuff that people want, which. Essentially you, you figured out with, you know, fixing phones and then eventually buying them mute you, find out what people wanted. I mean, if it got you to the big box stores that that’s kind of telltale that yeah. You figured it out, right.
[00:26:53] Daniel Massimino: [00:26:53] Was this the sheer amount of it? And, and still, I think half the phone still doesn’t even have a smartphone. yeah, it’s it, it’s, there’s still opportunity in that industry. It’s just extremely cash intensive. And also the Chinese are willing to work on much slimmer margins than say me because they have, you know, tens of millions of dollars that they need to deploy. And they’re okay. Making a percent on that 10 million. Yeah. Because they need to do something with their money, you know?
[00:27:20] Mike: [00:27:20] Yeah. I find that I find that whole thing interesting to another conversation for another time. What other things move you, man? Like what, you know, I mean, obviously, or I think you said you were in the middle of moving today, so you’re probably upgrading, but what wakes you up, man? What is it? I mean, you said earlier helping people. That’s cool. That’s awesome. That’s part of it. What else?
[00:27:44] Daniel Massimino: [00:27:44] I mean, for me, I just, I feel like, you know, we only have one life and I feel like I have unlimited potential inside of me. And so I just think if I get to the end of my, and I don’t fully tap into that potential and all the, all the wonderful, joyful gifts that life has to offer, then I’ll be disappointed. And so every day when I wake up, I mean, I’m inspired by a lot of people around me, like both personally and I mean, online at this point, you know. I get inspiration from them. I mean, I get inspiration, from a wide array of places. Like, Conor McGregor gives me inspiration. I mean, what he achieved in such a short period of time.
[00:28:29] Mike: [00:28:29] Yeah. Yeah. His mindset is a trip. Yeah. It’s kind of funny how many people look at them and go, ah, and it’s like, Whoa, time out. Do you understand what this boy came from? Have you seen his backstory when he came out swinging? He wasn’t kidding. Right. And he’s still out there swinging, even though fighting people don’t understand,
[00:28:51] Daniel Massimino: [00:28:51] The fight game is, is show business, you know? And so I think oftentimes people forget like the difference between when someone’s at work and like who they really are. And so they see him, you know, doing all this crazy stuff. But they don’t really realize that that’s his job. His job is to fight, but also to promote the fight. And that’s why he’s one of the highest paid fighters because he’s good at both.
[00:29:15] Mike: [00:29:15] Yeah. So I recently saw a clip. Mike Tyson was on a radio show. It might’ve been a podcast. I’m not sure which, but he starts off talking about, what about that other kid? what’s his name? Proper 12. And they went, Oh, Conor McGregor. He goes, yeah, what do you think about him? And they’re like, well, you know, he’s okay. He’s like, no, no, no, no, stop for a second. You’re missing.
[00:29:36] You’re missing. He went 10 rounds with the greatest fighter that’s been around in the last 1,000 years. He lasted 10 rounds. He landed punches and 10 rounds. He kept himself going for 10 rounds. He finally tired out. But, and that part wasn’t mentioned that he finally tired out, but he went 10 rounds with one of the greatest fighters ever to be in the ring. And he, and he went 10 rounds. Most couldn’t get past five.
[00:30:07] Daniel Massimino: [00:30:07] I probably couldn’t get past one.
[00:30:09] Mike: [00:30:09] Yeah, you’re probably right. And the idea isn’t so much that Mayweather is the greatest fighter. He is a great fighter. He may be the greatest fighter. I don’t know how to gauge that kind of thing. I mean, the man’s a showman and he can box, he can, he can definitely box. Conor’s a fighter. He learned how to box in short order and went 10 rounds with a man that knows how to box and
[00:30:30] Daniel Massimino: [00:30:30] It’s not in his corner. He’s a UFC fighter.
[00:30:34] Mike: [00:30:34] Yeah. It’s not in his wheelhouse and yet he still went in there for 10 rounds and hung in there. And, and cause I can tell you right now, I’m sure he had the urge to throw a kick that’s a problem
[00:30:45] Daniel Massimino: [00:30:45] Or take them to the ground.
[00:30:47] Mike: [00:30:47] Take him to the ground. One of the two. And he didn’t play the game. Yeah. But, as you mentioned before, he also played the game outside of the ring. When the two of them were talking all their smack to each other at all of the different press conferences that they went around to when he showed up with that, when you showed up with that suit that had F-you all over it.
[00:31:05] Daniel Massimino: [00:31:05] Right. That was awesome.
[00:31:06] Mike: [00:31:06] But that’s exactly what it takes for him to be able to be that man. And, and, and whether that’s him in real life or not, is the respect that he plays the part he does the job, just like you said.
[00:31:18] Daniel Massimino: [00:31:18] He does it really well.
[00:31:20] Mike: [00:31:20] And I think that goes back to you. You’re looking at it from the same standpoint of I’m here to do the job and I’m going to do the job. And somebody is going to benefit from that job. And some of that is some of it seems like it bleeds over into your personal being too, which is amazing because not everybody can do that.
[00:31:38] Daniel Massimino: [00:31:38] Yeah. I mean, I think, I don’t know. It’s like if you’re going to do, do something, I might as well do it to the best of my ability. And I fall short. On that a lot, but I try to do everything to the, to the best of my ability, because why not? Like if I have an option to either do something good or not good and either give it my all or not, then I might as well just give it my all.
[00:31:59] And I think the reason is that most people don’t give a lot of things their all because if they fail, they want the excuse that, well, I didn’t give it my all, I didn’t try my hardest. And so they have this excuse to fall back on and make themselves feel better about why they failed. Whereas I look at failure as like a building block, because every time I fail as much pain is out for you.
[00:32:20] And as much as it sucks, like I learned so much throughout that process. And it makes me so much more, confident in my ability to get through anything in the future, you know? and I, and that’s, that’s why I think most people don’t give it their all. Well, I mean, a lot of people are lazy. I don’t know.
[00:32:35] Mike: [00:32:35] You’re right on both. I should say yes, you’re right on both on both fronts. Some people want the excuse, not realizing that failure is the reason for success. And then they, then you got the other ones. What was that old one? The master has failed more times than the beginner has even tried and right.
[00:32:53] Daniel Massimino: [00:32:53] Yeah. Especially in today’s age, you know, people are afraid of judgment. They’re afraid of what their family thinks, or most people live a life that is not to please themselves or make themselves happy. It’s to make everyone around them happy. And so, I believe that’s why most people get to a point when they’re like 35, 40, 45.
[00:33:11] And they realize like, Holy crap, like I built this life that I don’t even want. I have all this stuff. I have this box that is called a house that I don’t even actually enjoy. You know, and then they get tied down and now they have no, they’re, they’re locked in this life to continue supporting the life that they, that brings them no joy.
[00:33:33] And, that’s just like the saddest thing ever, you know? So I don’t know. There’s so many things about that. Yeah. Go. I mean, like I, I know it goes back to like that first, like reading those two books, really. Like once I had this, the idea of what I wanted to achieve, like I just had my mind set on that since then.
[00:33:53] And like, what keeps me going, you know, like I think about my mom a lot. Like I want to buy my mom a house. I think my dad is disabled. I want to make sure he never has to work a day in his life again. and so whenever I come across something that I’m afraid of, or stresses me out or gives me anxiety, like public speaking or posting on social media.
[00:34:12] I just ask myself, you know, is this gonna help me to buy my mom a house? Right? If the answer’s yes, like which obviously podcasts are important posting on social media is important. I don’t care about the judgment of my peers or people that I grew up with because at the end of the day, none of those people are going to buy my mom a fuck, excuse me, a house, right?
[00:34:34] Mike: [00:34:34] It’s all right, brother. That’s an adult show. We’re good.
[00:34:38] Daniel Massimino: [00:34:38] Like occurred to me recently because for a long time, I was that person that was afraid of judgment from other people. And it held me back so much. because most people are doubtful. Most people are cynical. Most people think you’re gonna fail. And eventually those people turn into fans. There’s what I’ve realized. Like, they’d be, they become supporters because they see that, well, heck you know, this dude’s been doing this for 10 years now and he hasn’t, he hasn’t quit. Like maybe he’s not gonna fail, you know? And, and it’s funny because then those people start to reach out to you and they’re like, Hey, what are you up to?
[00:35:08] You know? Well, it’s like, Hey, I’m up to the same thing. I was up 10 years, which is trying to buy my mom a house. So I never have to work again, trying to make sure when I have a family, I guess it’s another big one. Like if I ever have a family one day, I want to make sure that my kids can follow their wildest dreams and try everything and go everywhere and have every experience and never have to worry about whether or not they’re going to be able to eat or whether or not they’re gonna be able to have lunch money. Like, I don’t want to deal with that. And I want freedom, you know, and that’s what keeps me going.
[00:35:39] Mike: [00:35:39] Yeah. I think at that point too, you’ll also have the skills to share with them to be able to do the same thing as well. And that’s not, it’s not always. On your shoulders, although in the beginning part, sure. It will be, but you’ll also have the tools and the previous lessons in life to offer them. A lot of people don’t always have that. And that when we were talking about that too, that our decisions can affect a lot of people.
[00:36:03] Daniel Massimino: [00:36:03] How old are you?
[00:36:04] Mike: [00:36:04] I just made 49 this year. So I’ve got at least 25, 30 years left of work time, and then I’ll figure out something else. the. The younger days when I was in my early thirties, I literally had someone shake me by saying, do you realize that every decision that you make affects more than just this house? And when I said this house at the time, it was my mother, my father, my wife at the time and my newborn, which is now 19.
[00:36:36] I had to stop for a second. I’m not clear. And they explained to me, every time you make a decision, the whole house feels it. Everybody in this house feels it is how much you want to bet everybody at your work feels every time you make a decision to do something. And I literally had to, that was the beginning of my perspective, opening up because as a musician, I didn’t give a shit. I was like, fuck it. I’m going to go play music or I’m going to go to the beach or I’m going to go do something. Maybe I’ll go to the gym, you know, workout and just feel good because it’s me. And I didn’t realize that anytime I did that, it affected my mom and my dad affected my mind, my, at the time, wife, it affected my little one because I wasn’t around.
[00:37:19] I was only thinking of one person. That was a shakeup bro. And, then to know now that like, I get to meet people like you that are actually thinking about this, and you’re not even there yet. You will have a great toolbox that you can open with your kids. And your family and your colleagues and your friends that people will be looking at it going, wow. I had never seen a screwdriver like that before. What does that do here? Let me show you.
[00:37:48] Daniel Massimino: [00:37:48] Yeah, I mean, you could teach somebody something, but giving them the tools to do it themselves for the rest of their lives is like a true gift. You know, just something that popped into mind about the decisions affecting like all other people.
[00:38:01] Like, I think that everything you do affects everything else. Like if I work out and I work out half ass, chances are I’m probably working on my business half ass. Chances are my relationships are probably half-ass because I’m just used to doing things half-ass and I still catch myself in some areas of my life.
[00:38:20] Like not giving it a hundred percent. And when I catch myself, I try to evaluate, well, Is it because I don’t, is it because this thing isn’t actually that important that I’m not giving it a hundred percent or is it just because I’m a lazy sack of, we created a graph, right. And it’s a constant process of just working on yourself and self-awareness is so important in this whole thing.
[00:38:42] Like, I was just on a podcast yesterday, actually, and I was explaining to the girl, she’s like, if there’s one thing that you could tell the listeners, it was like young people trying to start businesses. And I was like, you need to learn, you need to work harder on yourself than you do on your business because when you first start out, you are your business. If you’re not right. If your health is not right, mental, physical, spiritual, if you’re not learning every day, if you’re not putting yourself out there to be people, if you’re not exercising, you’re not eating right. You know, you’re not, you’re not doing these things, then chances are it’s going to reflect in your business because your business is a direct reflection of you. And so, I try to take extremely good care of all of those areas as best as I can. You know, sometimes I fall short for sure.
[00:39:29] Mike: [00:39:29] Welcome to the world of being human. Right. I mean, that’s just kind of how it goes. Yeah. So to kind of just lay that one out, we both have friends that are in colleagues that are in the business world and we have those that we really look up to and I’ve had years ago, I had that moment of wait.
[00:39:52] Did you honestly just mess up? Did you just screw that? And they looked at me and they went, yeah, listen. Well, you’re sure taking it. Well, it was like, I don’t have time to, to shit on myself over it. I have to move. And that really got my attention because it was like, you just cost your company a certain amount of income and you’re okay with it.
[00:40:19] He goes, no, I’m not okay with it at all. That’s not the point. I don’t have time to sit here and mull over it. I have to look at what I learned and move. If I sit still too long, it’s not. And that was on the factor of resilience. Yeah, because if you don’t move on that or don’t improve on resilience, you stand to lose way more than just that one.
[00:40:42] That one mistake. Everything is a Daisy chain, right? No matter what, no matter what you do, everything affects everything. So some of my colleagues in some of my work who are also mentors and sometimes friends, any more times, friends, actually, they all say the same thing. You’re going to screw up. It’s okay. Just don’t keep screwing up the same way. Figure out how to fix it and get moving. Don’t don’t don’t slow down.
[00:41:07] Daniel Massimino: [00:41:07] Momentum is a real thing every time in my life that I’d go and I’ve been to a dark place, like two or three times and every time it’s because I stopped once I stop and I sit there in my own head and I stopped taking action and I stopped taking risk and I stopped just doing something, then everything falls apart.
[00:41:25] And so I try to keep, keep that momentum going now. And one of the things for me is like, I’m, I normally will work myself till I burn the candle at both ends. And then I burn out and burnout is a real thing too. And I was reading a study somewhere where like I had an actual burnout to recover from takes you a solid three to nine months to get back to that level of productivity and a mindset that you were at before. So now I try to not to overwork myself, which is big leap for me because I struggled with it every day, but I need that time to recover from the intensity of my work so that I can continue to do this on a daily basis and not burn out.
[00:42:07] Mike: [00:42:07] Yeah. The interesting work-life balance thing that everybody’s been popping off about it. It doesn’t get the right kind of attention because everybody thinks, Oh, you go to play a little bit and you’ve got to work a little bit. It’s like, no, no, no, it goes a lot deeper than that. there’s, there’s a few people you can listen to about that. I know there’s podcasts on work-life balance too, which is really awesome.
[00:42:28] Daniel Massimino: [00:42:28] A good one about that. He said he tries to achieve work-life synergy as opposed to balance, which I got to believe in like, well, even when I socialize or if I do recreation activities like riding dirt bikes, or like sometimes I do cryotherapy or, I don’t know if you’ve ever heard of top golf.
[00:42:46] Mike: [00:42:46] Sure we got one of the most luxurious ones, actually.
[00:42:50] Daniel Massimino: [00:42:50] That’s interesting. I guess there’s these things that kind of, I can get away from work, but still with people that I want to be around, that our conversations are going to be around, you know, something productive, but we’re still able to, you know, kind of relax.
[00:43:06] Mike: [00:43:06] Yeah. I think that’s it. I think that’s important to be able to. I like the term synergy, that that makes a lot more sense than balance because it deems that you still have a separation between the two. Mind you, we’re not taking home to work and work to home, but in the midst of living, having a synergistic lifestyle is probably a lot more productive.
[00:43:25] So that makes sense. Guys, one more break. We’re going to take here for 30 seconds and when we get back, we’ll talk about what Daniel’s up to today. Then Daniel just put his arms. Yes, we got through that one next. Yeah, we’re doing this in the midst of moving on the break.
[00:43:46] Daniel Massimino: [00:43:46] Are we on break?
[00:43:47] Mike: [00:43:47] Not yet. We’re going to break right now and about 30 seconds. We’ll be right back guys.
[00:43:52] Welcome back. Java Chat here, Coffee With Mike and Daniel Massimino. Just checking in now on what’s what’s going on with you now? What you’re doing these days and where are you headed? What’s next. So let’s start with, what are you doing now? You have a credit correction company, correct?
[00:44:09] Daniel Massimino: [00:44:09] Yeah, so I call it credit restoration or credit repair, but credit correction is awesome too.
[00:44:16] Mike: [00:44:16] Hey, so explain to me what it is that credit restoration does, what does your company do? What do you do?
[00:44:22] Daniel Massimino: [00:44:22] Yeah, so we have five core services, geared towards individuals and also businesses. So, on the personal side, we help people to fix their credits that remove negative items like late payments, charge offs, bankruptcies, collection accounts, inquiries, things like that, that are kind of holding them back from achieving their goals, which could be, you know, to buy a house, maybe get a car to commute, to work, whatever it may be.
[00:44:50] We help them get the negative stuff off. We help them to rebuild it by adding positive, positive, you know? Take care, they’re called trade lines, but positive things to kind of rebuild their credit profile. So that way they can get approved for a house or get approved for a car it’s not at, you know, an insane interest rate.
[00:45:06] You know, again, an apartment gets a job, you know, there’s a lot of things that your credit affects that people don’t realize. And then on the business side, we help people start businesses. No business credit that has nothing to do with their personal credit and then get business financing.
[00:45:21] Mike: [00:45:21] That was interesting, when I started inquiring about tradelines for business and what actually qualifies, nothing like, and then most people don’t know this it’s nothing like personal, is it totally different?
[00:45:32] Daniel Massimino: [00:45:32] I mean, like business, the amount of money you can get through your business is typically three to five times higher. Then your personal, and I mean, you can get credit with every major vendor out there, like Apple, Best Buy, Ford Motor Company, Toyota, Office Depot, American Express, obviously. I mean, there’s so much opportunity and so much resources out there to help people scale and grow their businesses.
[00:46:00] It’s just absolutely bonkers. I’ve yet to meet anybody that’s gone extremely wealthy or truly successful without leveraging other people’s money. And credit is the bank’s money. So why not leverage that to help grow, start, grow, or scale your business?
[00:46:16] Mike: [00:46:16] That makes absolute sense to me too. Our company is kind of still young, but we’re already starting to look at jumping on a tradeline with Dell, maybe a trade line with a couple other suppliers and stuff like that. So just to start getting that thing building, but it makes absolute sense to me. You mentioned that you’re out on the speaking tour here and there. You got any gigs coming up?
[00:46:38] Daniel Massimino: [00:46:38] Not speaking like public speaking yet. I’m working on my public speaking ability. I’ve been doing a lot of podcasts, but I haven’t dove into it like trying to do a conference or like a public speaker. Well, we can’t even do public speaking events right now. So just get my feet wet with the podcasts. Every podcast I’ve done so far, like, you know, the host is a little bit different. So figuring out what I like and what I don’t like, what I want to talk about. It’s really interesting. I’ve always wanted to do something like this, but I’ve always had that fear of judgment, fear of putting everything out there for people here. And, so it’s just interesting and it feels really good to, to finally take that leap.
[00:47:22] Mike: [00:47:22] Yeah. So this is the beginning and a lot of the speaking gigs nowadays, at least right now are not necessarily public, but virtual. So you’re already in. Bro. You’re right. You’re already in. So you’ve already started, which is awesome.
[00:47:37] What’s next beyond this? I mean, you’ve created something good. You’re obviously going to scale that what’s beyond that. I mean, you kind of mentioned, you may have a family one day, you know, not, not that’s the personal side of things, but as far as you professionally, what’s next?
[00:47:53]Daniel Massimino: [00:47:53] There’s a few things. I mean, we’ll probably continue to stick in the industries that we already serve and continue to either add more value or more services around that. So long term I’d like to focus more on small business and adding more service offerings that we can help small business owners either start, grow, or scale their business.
[00:48:19] So whether that be websites or social media, or, you know, advertising paid advertising, strategy, and then all the boring stuff like accounting, bookkeeping, all of this stuff that holds people back from doing business. We would like to offer that so they can work with us. We can handle all the boring stuff and then they can focus on what they’re really good at.
[00:48:40] And that’s typically the problem that most small business owners face like a pizza shop owner. Right. He’s really good at making pizza and is really good at talking to the customers, all that goes into running the pizza shop. But then when it comes to the business side of it, you know, accounting taxes, marketing, you know, graphic design, all of this stuff. Like they don’t have the time to do that. So we want to work with them, you know, to handle all that. So they can just focus on what they’re really good at.
[00:49:09] Mike: [00:49:09] So as long as like, it was an evolution coming to a more general service for small business, that’s good dude because there’s a lot of them, especially right now. There’s a lot of them that are folding that honestly don’t need to, they just need to know how to be positioned better. There’s a huge need for a pivot right now. And I think a lot of small businesses are suffering because they don’t know how.
[00:49:32] Daniel Massimino: [00:49:32] There’s not enough time in the day to be the master of everything.
[00:49:35] Mike: [00:49:35] Yeah, exactly.
[00:49:36]Daniel Massimino: [00:49:36] That’s probably the direction we’d like to go and, Maybe I’d probably get into a little bit of real estate, like some commercial units, but what really gets me going is business, like starting businesses, like strategizing and then just like helping small business owners take advantage of all of the opportunity that’s at their fingertips.
[00:49:53] And maybe changing some belief patterns of how they think business is supposed to work. Like a lot of small business owners have this problem where. They want to work in their business and not on their business.
[00:50:04] Mike: [00:50:04] Yeah. That’s a natural problem.
[00:50:09] Daniel Massimino: [00:50:09] It’s all because of ego though. It’s the ego. There’s a good book. It’s called ego is the enemy. And it’s so true because why does a small business owner not scale his business? Why do they not hire people? Because they think that no one can do it as good as them, which might be true, but you can hire people. There’s people, there’s good people and skilled people out there that can do most of the things that you can do. Pretty close to the level of skill that you can do it at. And so why not? When we hire those people? Well, because we think 1) we think they’re not as good as us or 2) we’ve hired people in the past and it didn’t work out. And what most people don’t realize is it didn’t work out in the past.
[00:50:48] If you’re a business owner, you need to take responsibility for that and say, I either hired the wrong person. I didn’t train them. I didn’t give them the right tools and the resources to really be great at their job, as opposed to saying, well, I just can’t find somebody that can run the pizza shop. You know, like that’s such a bullshit excuse because there’s so many people out there that can do it.
[00:51:08] Mike: [00:51:08] Yeah. And, not everybody’s the same. Everybody’s going to serve you slightly differently, no matter how you look at it. So that makes absolute sense. Where can people find you, dude? I mean, where, if they want to find your, your company online, where do they find you?
[00:51:19]Daniel Massimino: [00:51:19] You can just go to my Instagram. And, there’s a link there that you click and it has all of my, you know, everything about me online
[00:51:27] Mike: [00:51:27] That’s an electronic kind of thing. Perfect. Awesome. So, that link will be down in the comments below, that time went that fast. My man.
[00:51:36] Daniel Massimino: [00:51:36] Wow.
[00:51:36] Mike: [00:51:36] And you shared a lot of value. I really want to thank you for coming and hanging out with us. I appreciate it. This was a good one. I appreciate that. That tells me that I did my part. So thank you guys. Everything that you need to know about him. He, like he said, follow him on his Instagram. That’ll be done in the comments.
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[00:52:21] And you’re just hearing us for the first time. Hey, welcome. We love you. Anyway. Thank you for coming and listening to us. Thank you for spending the time. Investing the time to learn a little something from each of our guests, as we go through and remember, stay up, stay safe, stay healthy. And live the best life that you can for myself Coffee With Mike and Daniel Massimino. Ciao for now.
[00:52:50] Outro: [00:52:50] For, information on Java Chat, visit www.JavaChatPodcast.com. You’ve been listening to @CoffeeWithMike on Java Chat. Tune in weekly to this podcast. For the next episode, you can also download or subscribe today on your favorite podcast platform. A production of Oasis media group, LLC. Located in Las Vegas, Nevada. Copyright 2019, all rights reserved.