Welcome back to the wisdom lifestyle money show. Today, I'm going to talk to you about how I earned a $3,000,000 client. Now that might sound funny. And I didn't make $3,000,000 off of him. It was a $3,000,000 mortgage, but I earned him with my answer.
Scott Dillingham:And the answer that I gave to him though has completely changed my life. So I'm gonna share the behind the scenes, what that answer is, what it means, what I do, and how it will help you to improve your life. And maybe you'll get your $3,000,000 client. I had this client. He was looking around for a mortgage and he told me I was like the seventh person he spoke to.
Scott Dillingham:And he's building a $3,000,000 home, which is obviously a substantial home. Now mind you, keep in mind, this was about three years ago. So now it's probably a $6,000,000 home because of the values of everything. So just to give you some retrospect there, but yeah, it was about 3,000,000 and he goes to me and he's I've spoken to all these other brokers and lenders. Why should I choose you to build my $3,000,000 mortgage?
Scott Dillingham:And I was shocked because I wasn't expecting that question. And really quickly in my head, almost like when you're about to be in a car accident, how you see everything in slow motion. It was like that I had all these thoughts going through my head, but it was all in a split second. And I was thinking I could talk about how we have some of the best rates. I can talk about the good service I do and all these other things.
Scott Dillingham:I was going over everything. And the answer that came to my head was because I exercise. And it even shocked me that this came out and I'm like, thinking back at it, I'm like, I can't believe that was my answer, but he stopped and he was like, he paused and he was curious. He's like, what do you mean? Because you exercise.
Scott Dillingham:And I explained to him that maybe a year ago at the time, so four years ago now, but when I was speaking to him, it was a year ago. I'm like, I was always tired. I didn't enjoy what I was doing. So I needed to change the bank I was working at to opening my own mortgage office, but I just, I wasn't healthy. I sat down all day and I explained to him that I discovered how exercise changed my life, improved my weight.
Scott Dillingham:So my my weight went down. I look better. I have a lot more energy. I'm healthier. My brain is crisper.
Scott Dillingham:I can think better. And what that translates to in my business. And I explained how now my memory is so much better. I'm happier overall. And that happiness translates into better service.
Scott Dillingham:I just went into it and I kept going on. It was about two, two minutes of describing this to him and how, because of exercising, it changed my life so I can be better to help him with his mortgage. And that sold him. He moved forward with me and got the mortgage with me. And I looked back at it and I'm like, that's really impressive because you wouldn't think an answer like that would win somebody over.
Scott Dillingham:But when you really look at the core of what exercise can do to you as a person, the benefits are huge. I'm not a health fitness instructor. I have no education in this. So I'm going to talk about this for a little bit, but just know this is from my own experiences. Everybody's got a different body and everybody has to follow different nutrition guidelines.
Scott Dillingham:But one of the first things that I did when I knew I wanted to be healthy was I just started off with a multivitamin. Now I would not recommend because I tried a whole bunch of them. The processed ones, I don't really recommend. I recommend something organic. And the reason for that is they use real ingredients that are not processed.
Scott Dillingham:And I had a bit of stomach issues with some of the processed ones. But once I went to the organic vitamins, it completely improved me. And I would say not only did I feel healthier, but it gave me more of a passion and a drive to improve because you could feel the goodness going into you when you take these really good vitamins. So that's the very first thing I did is I decided one day, you know what? I'm a bit overweight.
Scott Dillingham:I'm not happy with how I look. I want to have more energy going up a flight of stairs. I don't wanna panting and I'm going up them slowly. I want to run up them. Taking the vitamins gave me the inspiration to move forward.
Scott Dillingham:And then what I did is I started to run. Now it's super important that when you have a fitness goal and this doesn't matter what level of fitness you're at. Do not set big goals. I'm going to work out every day for an hour. I'm going to do all this stuff.
Scott Dillingham:It really doesn't work. And what will happen is you'll get into it. Maybe you'll do it for a couple of days, but then you're going to discover that it's very hard to maintain that deep intensity workouts day after day. Obviously you have to have rest days in there, but you're going to find you quickly lack motivation because it's extremely hard. So my suggestion to anybody who's been considering working out is go just a little bit.
Scott Dillingham:Do that little bit of a workout. I feel really bad because I forget the the book that I read, but I read this book and the guy said that he lacks so much motivation to work out and he runs as well. That all he does is when he wakes up in the morning, you can do your workouts whenever you want. Some people like in the morning, I do mine at night after I put the kids to bed. Everybody's a little different, but he said, instead of saying, I want to run five kilometers today, because that was his real goal.
Scott Dillingham:He just said to himself, I'm going to run or do a light jog past five of my neighbor's houses. So that was his actual short target. The big targets of five ks, but he set that target. You know what? If I don't do the five ks, let me just run the length of five or six houses first.
Scott Dillingham:And if I really decide that I don't want to do this anymore, I'm going to turn back around. So what got happening is once he got to that fifth or sixth house, his heart rate started to increase. Once that blood gets flowing and you raise that heartbeat, it actually feels really good. So once that happened to him, he had that motivation to do the five ks, but when he first put on his running shoes, he had no motivation to run the five ks. He just only had enough motivation that he said, I'm going to run five houses.
Scott Dillingham:That is what I do encourage anybody who wants to get started into exercise. And that's the mindset that I took too is just get started. Do that little bit, that tiniest movement. If you're moving in the right direction, it'll build on and you'll move and improve as you go. Now it's also proven that a habit, whatever it is that you want the habit to be, you need to have this habit completed every day for sixty days.
Scott Dillingham:And then it becomes hardwired into you. Right? That's why so many people drive to work and they don't really know how they got there. It's because they do it so many times that your body does this on autopilot. So if you make something a habit in your life, then you're going to want to do it all the time.
Scott Dillingham:And it's just routine. So I do encourage you in the very, very beginning to do really light exercises, even if it feels like you're not working out. What helped me was just getting that routine and knowing that I needed sixty days to make it a part of my life and something that I would remember to do and all the time. So I needed to do sixty days. So I needed to make my sixty days easy.
Scott Dillingham:So I didn't give up. So I just did a very short speed. It was probably the speed of walking, but I was doing the jogging motion. And that's how I got started. Now in the very beginning for me, I had a bit of injuries.
Scott Dillingham:I had shin splints and sore ankles and my knees hurt, but I made sure that I didn't overdo it. That I did things very little at a time till it became routine. And what naturally happened to me, and this is where everybody's different. Okay. Choose your exercises wisely and don't necessarily follow this.
Scott Dillingham:But for me, I kept pushing forward and right. So I'm in my low thirties at the time when I'm starting these exercises. And what I've noticed now is my bone density from doing these workouts is so good that I have no pain, no injuries from doing a jog or if I do run and it'll be about five ks that I run. There is no injuries. Now I have to take a quick pause, but when I come back, I'm going to continue some of the things you could do to get started in exercising.
Scott Dillingham:And I'm also going to dive into some of the benefits that a lot of people don't realize, but that you will receive from being more actively fit. We'll come back. So before the break, I spoke about how I ran and I started off and I followed that author's advice. And I'm so sorry. I feel so bad that I forget this offer because it was a great book, and I'm sure you'd love it, but he ran five or six houses first.
Scott Dillingham:That was his motivation. There's also this thing. How do you eat an elephant? And it's one bite at a time. That's how you eat an elephant.
Scott Dillingham:So the same thing with your workout. Now I chose running. You can do anything. There's rowing machines, right? There's bikes that you can ride indoors.
Scott Dillingham:Anything that you want to get started off on, I would do it, but I would do it for a short amount of time. I would not try to target those long workouts because you are going to overdo it in the beginning. And then you're going to lose motivation. That's what happens is if you overdo it, you lose that motivation. So now that I've been working out consistently for three to four years on my end now, I want to push it harder because what happens is this is when you exercise and your heart rate goes, it might be different per person, but the average is between 110 beats per minute to 130, two forty beats per minute.
Scott Dillingham:That's the fat burning zone. So if your goal is to be more fit and to lose weight, you need to maintain that heart rate. What I've read online fitness instructors I I've spoken to, they said a lot of people do not, when they walk to walk around the block or whatever, if your heart rate is not elevated, you may not actually be doing much to your body. It might not change. You could just be burning calories from the meal that you ate and nothing is changing for your body.
Scott Dillingham:So you got to be in that heart rate zone and you have lots of benefits in that zone. Right? So you're going to get the fat burning ability. You're going to have better cardiovascular strength, right? Your veins are going to strengthen.
Scott Dillingham:Your heart's going to strengthen because it's not a fast beats per minute where you really start panting. In fact, when I am jogging in the fat rate zone or fat burning zone, I could actually breathe through my nose. I don't have to open my mouth for air. I can still do it all on through my nose. So it's not super intensive, but you're in that zone.
Scott Dillingham:What also happens is cortisol is known as the stress hormone. And when you get your heart elevated into the fat burning zone, at least your body will release endorphins, which will naturally cancel out the cortisol stress hormone. So if I never really stressed or bad day, like whatever the case may be, I will literally just exercise and it completely turns my mood around. So you have a switch. You have the ability as a human to make yourself happier on demand by doing a brisk workout.
Scott Dillingham:So it's really cool. So definitely start off with something that's easy that you can do. I might even recommend ten minutes. That is something that I do to this day is no matter how busy I am, no matter what's going on, I've got to at least do a workout for ten minutes. And what I find with ten minutes is it doesn't really strain you.
Scott Dillingham:So it's not like you need a rest period because you're only doing this for ten minutes. The muscle that you work out is not going to be completely dead the next day. So I found a combination of using for my ten minutes, I've got an exercise machine, which has a horizontal bar with a seat on it that goes back and forward. So I hook up all the weights and I do a leg press. So there's a bar at the back.
Scott Dillingham:I put my legs on it. And then I there's a belt that goes around me and I sit on the seat that moves forward and backwards and I kick off with my legs. So it's like I'm rowing, but I'm doing it with my legs. I could put a bar instead and use my arms for that, but I don't, I do something different. So I use the leg press a rowing technique.
Scott Dillingham:So I'm getting half of the rowing exercise down. And then I take some small dumbbells and I curl. So each push back, I curl up and I flex when I get to the top of the curl, just to give it that little bit of extra push for your workout. Doing that in ten minutes, it really gives me a nice workout. It's super quick.
Scott Dillingham:So it doesn't matter how busy you are. You can get this done. It's ten minutes. And I found this to be the best workout for me, even when I couldn't go to the gym or do those long five ks runs. And I want to still lose weight and maintain a high metabolism doing this quick, easy ten minutes.
Scott Dillingham:It doesn't overdo it, but I feel the benefits all day long. So you really don't need much time now after the sixty days though, once it becomes routine that you want to work out, this is where you start to increase intensity because after the sixty days, you will actually working out. You'll feel the benefits when there's a day. There's actually not a day that I miss. It's super rare, but let's say I do miss working out.
Scott Dillingham:I actually feel it. And I feel like I'm more agitated those days and things upset me or piss me off earlier and easier. If I'm working out, I'm a really laid back person. So I don't get stressed out or upset very easily. It's mainly because of working out.
Scott Dillingham:But yeah, so back to the sixty days. So So once you pass that, you're going to want to increase the intensity because now your body is used to being a little bit more active. You have more confidence in your workout abilities, you know, where you are, and then you can start pushing it to the next level. So I would go to maybe a half an hour workout. Now, if you're somebody that doesn't want to go to the gym for COVID or you're not able to go to the gym for whatever other reasons, there's programs online that you can just, you can search.
Scott Dillingham:I don't want to solicit any on here because that's not what this is about, but you could just Google like online workout classes and you can find them and they have complete body workouts with just your body weight. You can use an ottoman, like all these things that you have at home. So you really don't need a gym membership to get a good workout, but I would try to make your workouts from the initial, maybe ten minutes or something nice and easy to, to half an hour at this point. Now, if you're going to work out for half an hour and you're going to do a lot more physical getting into pushups and sit ups and squats and those types of things, you're going to need rest days. So you can't work out every day.
Scott Dillingham:So you've got to find that light workout that you like to do just to keep your heart rate up and get the good benefits of working out. So you got to do those light workouts on those rest days. I never have a fully rest day. And again, speak to a fitness instructor or doctor first, before you follow this advice. I'm just explaining from what I learned and researched and what I spoke to.
Scott Dillingham:And whenever I do dive into something, I check all angles and try to research as much as I can. So I'm not someone who just I'll read one article and that's it. I know everything. I'm not like that. Heavily research, but still I'm not a fitness instructor, coach, teacher, none of that.
Scott Dillingham:Check that out. But for me it works well to do something very light and easy on my rest days. And then the other days you work out, lift weights, run whatever it is that you want to do. Now, another really cool thing with working out is naturally you may have the, you may have the impression of looking at the scale and seeing if you're losing that weight. And I encourage you not to, you're going to be gaining muscle mass, which weighs more than fat.
Scott Dillingham:So your number on the scale may not be going down. So what I encourage you to do is to measure yourself every couple of weeks. So you can actually see the size shrinking down. They'll start to notice you fit into clothes that were too tight before, even if your weight is the same. And a lot of people, look at that scale and they'll get discouraged if the number's not going down, but you have to realize you're burning fat and gaining muscle.
Scott Dillingham:Your weight could actually increase, but overall you're getting smaller. So I wouldn't truly look at that scale number. I know we're stuck on that as a society, but don't look at it as what does my body look like? What is my body doing? And by starting off small, like I said, the first ten minutes going to half an hour, and then if you really into it, go for an hour.
Scott Dillingham:You will see that you change everything in your life gets better. Your relationships with people get better. You have more confidence. You're happier. You have more energy.
Scott Dillingham:I even sleep better than I'm taking those organic vitamins. So I'm getting everything that my body needs. If I can't fulfill it with my diet. I've also discovered that I can eat more foods now before I could eat foods. And I would feel like I was getting gained weight and getting bloated.
Scott Dillingham:And, but now that I have all these extra calories that I burn actually does allow me to eat more foods, which I love to do because with my line of business doing mortgages and meeting with realtors and clients and stuff and doing lunches and dinners, I eat out a lot. So this because I work out so much, I can afford to do that now. Where before when I would eat out, you could see it growing on your hips. Right? So it's it gives you a lot more flexibilities in life and you really will feel better.
Scott Dillingham:You're going to perform better at work. It's crazy to believe how just a little bit of exercise will improve your life. So I hope the advice I've shared today helps. Again, I always recommend you speak to your doctor about this because I'm not licensed to speak about this stuff. But from my experience, this is what I went through, the things that I did, and it's been an incredible journey.
Scott Dillingham:And I hope it is for you too. Looking forward to chatting with you next time.