Intro (00:00):

You are listening to Her Time to Retire, a podcast dedicated to helping women gain the knowledge, confidence, and support they need to achieve financial success and emotional fulfillment when planning for retirement. If you are ready to finally take charge of your financial life, then keep listening. Your hosts are Glenn Price and Jonathan Scott, founders of Keystone Financial Resources in Brentwood, Tennessee. Both men specialize in crafting individualized retirement plans for women and have a passion for helping women discover and achieve their retirement goals. Glenn is a husband and father of four who was taught early in life, through his relationship with his grandmother, how a woman can not only take charge of her own destiny, but also positively influence the lives of her family and friends that surround her. Jonathan, husband and father of three, attributes his own success to the strong women in his life, including his wife, Brooke, and his mother, Susanne. Both men, together, want to help more women live out their dreams in retirement. As always, if you have retirement questions, their phone lines are open at (615) 661-9554. Or you can visit their website to browse information, view upcoming events, or subscribe to the Her Time to Retire weekly newsletter, just visit www.keystonefinancialresources.com. Now, relax and enjoy the conversation.

Glenn Price (01:24):

Welcome to her time to retire the podcast for women navigating through their financial journey. I'm Glenn Price I'm co-owner of Keystone financial resources. And it's my goal to speak, to speak with women at the top of their industry and create a place where they can share their best ideas and advice with you our listeners. Now, before we began as a gift to our devoted listeners, wanted to make you aware we just rolled out a two minute online quiz that helps you identify your number one retirement mistake. So you can check it out at keystonequiz.com. Again, that's Keystonequiz.com. Well, today I'm going to be speaking with Diane Kazan. Diane has been a part of the design and remodel process for hundreds of bathrooms from high-end luxury master bathrooms to budget hall baths over the last decade. She's noticed that most people don't have the funds or desire to hire an interior designer and without resources currently in the marketplace, how can they get an expert bathroom design without the high cost? She founded bathroom in a box to do just that, save you time and money while providing gorgeous and creative bathroom design plans that perfectly fit your needs and tastes. Her experience and expertise in the industry have helped countless people create the bathroom of their dreams. She's put together a team of experts that share her sensibilities for putting together beautiful plans that can be implemented in an easy to understand way. And now bathroom in a box gives you everything you need to either build an expertly designed bathroom on your own or provide detailed plans to your contractor. Well, Diane, I want to welcome you to our podcast today. How are you doing?

Diane Kazan (03:10):

Well? Good, nice day out. Thanks Glenn.

Glenn Price (03:12):

Yes. Well, I'm glad you're here. It's a beautiful sunny day here. I I'm, I'm curious, I'm always curious about, you know, you started a business, you've got this business a little bit of your story. Why don't you share with the listeners out there a little bit about who Diane is and kind of where you came from and how you got to this place where you started this company of bathroom in a box

Diane Kazan (03:33):

And happy to share. I started my career in the corporate industry or corporate world, which that's a great place to be, but you also quickly realize that the opportunity that you have as far as making an impact is pretty minimal. For example, we'd have meetings. When I worked at Subaru of America in cherry Hill, New Jersey, and, you know, you expected five people to be there and someone couldn't make that meeting. So you just go back to reschedule. It just, it just seemed to take so long to implement any sort of change. I was primarily on the financial services side for Subaru back in early '92, my position was being eliminated and I was over in the lease marketing side. Primus automotive financial services started here in the Franklin area and I was offered a job to transfer. So that's, and I literally from South Jersey to here, South Jersey, South not North like looked up course, I knew where Tennessee was, but I'm like, what's Tennessee. Where is it? So, I mean, just, it's just interesting how indirectly your, your history changes your direction changes. So I worked for Primus for a number of years. Again, a great opportunity was always in management. It was a small company to start. They were built to finance, non Ford products, non Lincoln, mercury Jaguar Subaru, Mazda, and then independent other companies, again, a great opportunity. We had a lot of autonomy because we were so small. But you know, the same sort of issues, not issues came up, but the frustration of not being able to maybe make a name for yourself or really move something, it just, and then I realized, Oh yeah, I forgot. I have a degree in design. What happened to that? So only by coincidence, I lived in the same community as a builder, and I started doing model homes for him. Um so I decided to move back into the design area. You know, you either have it, or you don't for awhile. I taught textiles and materials that at o'more college of design. And by sophomore year we were starting to weed students out. Because if you don't come with a color sense, a scale of balance, you're going to make it because that has to be an eight, like a musician of which I'm not, you either can hear music or you can't, you can either see color, understand scale and balance pattern or you don't. Yeah. And it's yeah. So what school teaches you or what experience teaches you is how to hone those skills, but you have to have those skills. So I did move back to South Jersey to take care of my mom and dad, and they've since passed away, but I hired on with Lowe's and that's where the interesting story comes in. That's the reason that I have bathroom in a box, I was working in several Lowe's stores, Wilmington, Delaware, Brookhaven, Pennsylvania, West of Philly, those areas. And I was the remodel design person. Every Lowe's store, they don't have that program anymore. Every Lowe's store had one person dedicated to selling the project. And then also managing the project with an independent contractor. If you had an independent contractor, you did extremely well. It, at the time it was an overwhelming position. We worked 60, 70 hours a week, had a laptop worked at home. If I wasn't at the store could move in and out of the store, went to people's homes, sold projects, and they could be anywhere from $12,000 to $80,000. And I actually had a guy just here's My American express card went right through the register, signed them out, closed them down and closed them out. So that's the big range and what it taught you so many jobs skills, how to sell something quickly, because the timeline was always forced very short in the Lowe's world. There was a finite number of choices and lowes. You didn't, you weren't selling like $5,000 bathtubs, but you had to turn projects quickly. I would run 12 to 15 projects at the same time in various phases. And you were also taught that when you presented the price, you just had to stare down. And I would say, well, Glenn, you're, you know, for this bathroom. And we all agree, this is so lovely. And this is exactly what you want. And it's $25,000. And then you just stared so much fun. Oh yeah. In the Lowes world all the money is due upfront, which is unusual in the open world. And outside world, things are staggered Payments are 50 down 30, whatever. But then of course, one of the reasons people chose Lowe's is because they have that financial stability that even if a job went bad, they'd still the day. Yes. They had to make that consumer goal. And my area, depending on the store was, was near the appliance department. And they treated my, the people in my position Well, we had our own area and we could kind of decorate it or design it. You know, I had my own refrigerator and a coffee maker. Cause maybe, cause we spent so many hours in the store, but I would have people wander back to my area and they would say, Oh, can you help me? You know, shop? Because I heard you're really good, which honestly, I was in my zone. I was always at the top. Cause I liked it.

Glenn Price (09:05):

It makes a difference, you know, when you really have a passion for something, I think it's okay to say that, you know Hey, I'm good at this. You know, it's like we tell clients, you know, when you do things over and over and over, the idea is and the hope is that you get pretty good at it. You know, if we're working with taxes or whatever it is that we're doing and building a family, a financial plan, we have confidence that we're really good at it. But, but with everybody that's here, it's the passion. And so that's what I'm hearing you say, Hey, I can tell you love this stuff. Right.

Diane Kazan (09:37):

And it was just it was just like balancing a customer in time. And you know, my contractor, especially the one in the Philadelphia area, he knew nothing about building. He was a good time manager and he had great resources, great guys. And you become friends with these people. So I realized though that the whole, the people that just wandered around lowes were lost. They picked out a great faucet. They picked out great tile, but they didn't go together. And that became obvious, but I kind of just store that idea away in my head. And I thought, huh, what about those people now? Mind you, that was just what's the word I want, anecdotal evidence. I mean, that was just interacting with the customer. I didn't have stats. I wasn't looking up research in that area.

Glenn Price (10:22):

It's just observation of customers. Right.

Diane Kazan (10:25):

And you realize pretty quickly that there's a lot of people that want, and I don't particularly like the word deserve. They want a great bathroom. They just can't get there. They don't know how to get there in terms of the design, they can do the execution. So eventually the prog, the whole program at Lowe's was eliminated. And I started to work locally here in middle Tennessee. Of course. Now I'm back in middle Tennessee. I had the Dickson Tennessee store and the manager there said, Oh my God, finally, I got a good person in that position. And then they eliminated the whole program because you literally could sell like $200,000 in one month. Now some of these Lowe's stores are turning like over a hundred thousand a day, but regardless that's a big chunk. That's a big piece of the overall store income if they had a good person in my position. So then working locally in that idea just sort of started to percolate. And I thought, well, what if I address that market? What if I just do designs that people can choose? That's where the whole idea came from. So it's, you know, it's not like it's just a dream that I came up with. It was answering, as I figured out it was answering a need. And even the guy I reported to at Lowe's in the Philadelphia area, he and I are still friends. And occasionally we talk because I like to his feedback because I got along with him so well. And he thought, I think he thought we were kind of his, and we were the same age. So it wasn't that, but we were kind of his little like Chiclets or not chicklings, you know, and he, he just relished in our success stories. So for him, I'm still one of his success stories that makes sense, even though I don't report to him or anything. But you know, to take an idea and then how does it work in the marketplace? That's a big schism. Like how do you jump over that, that well, the what's the, what's the big, Oh gosh, the big thing, golden golden gate bridge anyway, jumping over a big river, whatever it is. So it's, how do you explain and how do you get to the marketplace? Right. And that takes time. So I was kind of working full-time and doing bathroom in a box, trying to figure out what it was. And it actually took me probably two years to get that a website name. I had to wait until it expired and I didn't want the .net. I wanted the.com.com. So eventually I got that. That was important to me, but what makes bathroom in a box so unique? And I did an intentional pause there design instead of being interactive, specifically with one customer, like a Lowe's customer. So tell me, Glenn, tell me about your project. Tell me about your home. We're going to come out and visit with you. Bathroom in a box is different in that all of the designs are already complete they're shoppable designs.

Glenn Price (13:23):

So I can go online and I can look at if I've got an idea or a theme of what we want our bathroom to look like then I can go and I can find that theme on, on your website Correct. And so, and then, and then with that, when I click on that, I'm assuming like, you know, when I say, when you say bathroom in a box, it's like, okay, I can go get everything I need from my bathroom in a box. It's like, here's what I want. There's the sinks, everything matches everything's this. And is that, does that the whole concept and the idea

Diane Kazan (13:57):

And people say, well, so what I can, I can see that on Pinterest too, or I can do pottery barn or Kohler, but what's missing in pottery barn or Kohler or Pinterest is they don't tell you where to get the materials. Isn't this pretty look, it's a pretty faucet and it's a beautiful tile floor, but there's thousands of manufacturers of tile. There's thousands of ways to distribute tile, retail stores, direct walk-in stores. So bathroom and box gives you the answer. So where do I get these products?

Glenn Price (14:27):

Right? And so you've got all the links and everywhere for them to go get it. So this is for, you're a do it yourself or someone who's wanting to do this themselves, but they don't know what to do. They don't know how to put the pieces together. And so now you're just that piece you're providing that of like, okay, you know, I can, I can lay tile and I can paint. But when it comes to the design, when it comes to matching things together, you know, that's where, that's where I draw the line. I don't, I don't see all that. You know what I mean? I can't see it.

Diane Kazan (14:55):

So that's, that's the point of bathroom and design, but then it takes it one more step further and it gives you a budget because honestly, unless you're doing a master bath, bathrooms are pretty standard in the U S there's a vanity values come in sizes unless it's custom. They come in 18, 24, 27, 30 increments of three bathtubs are mostly 30, 60 it's standard. If it's a powder room, for example, let's say it's eight feet by five feet. So that's 40 square feet. Divide that into the number of square feet in a carton. It's six cartons Roundup. So it provides the budget, two pennants, one mirror, one vanity floor tile, a toilet. I also do either a piece of art or a basket just because I think it looks, looks pretty. And when I do these designs, they're artistic compositions. And I learned that over time, if it's a light fixture that does not look good in the website, because it's just, maybe it's clear glass that I don't use it. It has to be artistically composed. So it, it, it has visual interest for someone. Does that make sense? And I spend a lot of time on making my mood boards pleasant or artistic or attractive, but at the end on this, so it's the shopping list is what the customer's paying for. In addition to the design, there's a budget total at the bottom. So if they bought all the products and the exact number of square feet, two pennants, one mirror, one vanity, then it would cost say $4,000. And I have a collection that's as low as $2000 for all the materials and as high as $15,000. So there's a style range, a price range, and you get the shopping links and, you know, approximately how much you're going to spend, because go back to the lows and you're just walking around with a cart. How do you know even how much you're spending or keeping track of, and then I'm very conscientious. If it's a $500 vanity, it's going to be a hundred dollar light fixture. If it's a $3,000 vanity, it's going to be a more expensive light fixture. So everything within the collection is based on some sort of connection to price points, high-end needs.

Glenn Price (17:07):

So there's, there's, there's a matching quality, correct? All of that. You see all that together, like in, and so like for someone like me, who's not handy. When I got, when Martha and I got married, she had a toolbox. I did not. And so I'll say, honey, then what I do, honey, will you go get my toolbox? And I go get her toolbox, honey, will you hand me a screwdriver? Then I'll hand her what she needs. I'm really good at that. But so if, if, if, if I'm wanting to redesign my bathroom, okay, but I'm not a handy person or, you know, speaking to if, if, if there's a woman out there and she's like, Hey, I can, yes, I liked this, but I don't, I don't lay tile. I don't set countertops. Then how does everything get installed? Do you provide like the contractors or how does that, how does all of that get put in place?

Diane Kazan (18:05):

A lot of people have their own contractor. And occasionally that was also the question. And when I worked at Lowe's, Hey, I've got my own contractor. Can you help me with the design? The products? No. I mean, I didn't say no, but I thought I, occasionally I would buy, I would get in trouble. If I did that, Lowe's made their money on the labor side, not the products, products don't have much of a markup, be surprised how low the markup is on appliances. So there's a whole it, if I can take a minute, there's a whole I'll explain the market real quick. So there's a general contractor who you're signing a contract with one entity, general liability workman's comp. He has access to his plumber, his electrician, his tile setter, his painter. They may be all subcontractors or he may have employees, but he's controlling the process. He assumes all of the risk. So it's, it's a one contract deal. That's going to go relatively quickly because he has a relationship with a plumber. And he's feeding that plumber business day over day, week over week. So that plumber's first, first responsibility is to that contractor. That's where the majority of his income comes from. Correct. So that's a risk, that's a way to minimize your risk. But on the other hand, that's the most expensive. So you paid for that. So that that's the most expensive category. And if I'm involved in design with a general contractor for a bathroom, let's say it's a master either semi-custom or custom cabinets, anywhere from $50,000-$75,000 here in this market. Right? Of course labor is pretty tight,

Glenn Price (19:42):

But you know, I think that those two, what just came to my mind is like the most important to me, the most important is, is the design like, does this, this, the, the things that I want to have them in my bathroom, do they go together? Do they match? How am I going to feel when I go in there? It's the lighting, right. You know, because lighting can either make you feel happy or it can make you feel sleepy. I mean, we had a house one time that had dark trim and every time I'd go home, I'd just fall asleep on the couch. I'm like, I gotta get out of this house. It's dark. And it, it was beautiful. It was rich. It was comfortable, but man, it made you sleep. And now my house is white when you go in. But so the, so the design is a place where I want I'm going to want to spend my money to make sure I'm getting the quality that's going to match that. I'm going to be happy with it. You know what I mean? And then the next piece is, is the, the making sure that everything gets done and it gets done right. And I think for people like me, that's where I have the most fear. It's like, how do I know that they're going to do the right job? You know, are they going to complete the job? If they don't complete it, will they come back? You know, so one question I would have, it's like, how would I go and find a good general contractor that I could hire? To come, and, you know, I, I get my bathroom in a box, but now I got to have somebody help me put it in.

Diane Kazan (21:04):

It is challenging, especially in this market with the big demand on labor and then the higher cost of labor, because it's supply and demand. So there's general contractor. The next category is that independent contractor that would work with you, but in a he doesn't have those big resources. So he might say to you, I'll do all the demo. I'll do the tile setting, but you go hire a plumber to complete that piece of it. And then the third would be just the DIY itself. But as far as reputation, it is challenging. You really don't know what's behind the tile, which has been set, which is backer board, which your studs and you don't really know. It's just trust. I mean, it's, it's just a trust game, which getting back to DIY is why a lot of people want to do it themselves to ensure.

Glenn Price (21:55):

Yeah. Right.

Diane Kazan (21:56):

Yeah. And water is, is damaging. I mean, if I go in a bathroom and I kind of smell a soapy smell and the customer took a shower like five hours ago, that's probably an indication there's a water leak somewhere because that you can't walk into a bathroom four hours later and smell soap or smell damp. But it is a trust game and bathrooms are because people say, well, why don't you do kitchens too? But kitchens have software programs. They don't have as many skews or products. So in a bathroom come with some of the odd ones, backer board, thin set, plywood, transitions, tub block, all those little extra things you don't think about, but you could go as high as 25 separate items, you know, that land at your house in order to affect this bathroom remodel. So DIY assumes it could be the high end. You buy a design and purchase those materials based on what your contractor says as to quantity. And then he might supply the general service materials, those building materials, or it could be the independent contractor that you've always used. He's done a great job. He did a great job for your neighbor. He's reputable. You go to church with him. That would be a trustworthy category as well. Everybody lives on the reputation, or it's the DIY customer that wants to touch everything.

Glenn Price (23:18):

You know, you've got, we find it in our business. You've got really two types of clients, and you've got those out there that, that want to do it themselves. In fact, we call them and even in our world to do it yourself, first, you do the, do it yourself investor. And and, and, and, and that's okay. People, there's, people who really enjoy that, huh. You know, we've actually have clients that, that they like it, but they don't want to spend their time in retirement doing all that. And so they'll come on board and say, you know what, for the bulk of what we're doing, I want you guys to help us, but can I keep this little piece over here and just do it myself? Absolutely. But, but then you've got the people that, that don't, they don't want to spend their time mean by and large, most people, when they retire, they don't want to spend their time managing how the market's doing and what things they need to move and reallocate. And how do they manage taxes? They want to enjoy, you know, as you know, we tell our clients that money is a tool to help you improve the quality of your life. And, and, and so they want to spend their time using their money to improve the quality of their lives, spending time with their family or traveling. But, but going back to what you were, what you said a while ago, it's like, we all want to save money. We all want, you know, something for as little as possible, but at the end of the day, it's like, there's, there's a value in paying for quality, for paying, for expertise, for paying for a skillset that someone has like for you, for example, you know, with your experience. I mean, you've got a lot of experience in this field. And so there's a value you've taken the time to put that together. And there's a value in that. And it's like, yes, there's always a ceiling of price, but it's like, you don't want to cheat there. You know, you want, I want the best person. And we tell clients in our, in our business, it's like, you know, we build you a solid financial plan. You know, most people come in here and they're paying, you know, what we charge or even more. And they've only got one piece of the pie and there's like five different pillars to an overall financial plan. Okay. And and so, but at the end of the day, you, you, you want to have the quality you want to pay for the skillset so that what you're ultimately trying to accomplish is going to be fulfilled. Right. whether it's getting the bathroom that you want. So paying for that design, and I can see that my wife and I have been this is not in the bathroom, but we decided we wanted to do something in the, like the living room area and the eating areas that we have. So it's it, you know we've tried to do it ourselves and we get a table and we get a rug and we're like, this looks horrible. I just didn't envision it, looking like this. You know, hey, we call the company back and they've got people that can help you kind of like the Lowes thing. It wasn't through. Lowe's, I'm not going to mention the company, but the, but they're not, they're not the skill level of their, and they're not coming out and looking at things. And so now we're sitting there, there the day, it's like, well, they've already brought one type of back and replaced it, new chairs. And we're like, I don't, I don't know that I like this. You know? So it's like,

Diane Kazan (26:31):

Awkward then two, then you kind of feel bad. Then you start feeling guilty. And I'm one of those customers,

Glenn Price (26:35):

Right. I'm one of those, but it all goes back to, if we would have said, you know what, let's hire someone to help. Who has the eye, who has the skill, who has knows the products that are there. And let's just tell them what we want. And let's trust them to help them build what we, what we want. And we're going to be much happier on the front end. It might look like we're spending more, but at the end of the day, it's like, I'm still spending quite a bit of money, but I'm not really happy with what I've got.

Diane Kazan (27:05):

Have you ever heard the Picasso story

Glenn Price (27:07):

No? What is it?

Diane Kazan (27:10):

So he's on the street and you recognize him. Cause he's unique. So you go running up to him. Oh, Picasso, Picasso, because, so it's, you it's really, you can, you just do like a quick sketch for me. He said, oh, sure. So five minutes later he finishes the sketch and he hands it over. And the person talking to him starts to walk away with it. And he said, wait a minute, wait a minute. He said, that's $30,000. And the customer, or the person says, well, how can that be? It only took you five minutes. And he said, Oh no. Ma'am. He said, it took me 30 years to do that in five minutes.

Glenn Price (27:42):

Yeah. So great story. You get what you pay for. That's exactly right. That's exactly right.

Diane Kazan (27:50):

You're not paying me for time. You're paying me for skill. You're paying me for expertise. And for me, even if so, can you imagine if it takes me an hour to do one of these designs, approximately, and I go back and I revise and I have to be real careful because the same vanity that I put in a plan a year ago may not be available today. Those are the ones that seem to come off. First, the vanities, they just sold out. We don't have any more styles changed. And I'm very, very, very aware of styles, how they change. So if it takes me an hour, how much does to take the consumer? And I know where to go, I know exactly what I want.

Glenn Price (28:26):

And how did it takes you an hour? No. It took you how many years to do it in an hour, you know, saying Picasso story.

Diane Kazan (28:34):

Well, I remember we were at Collective 615 or six, Collective 615. And remember the bar area where they had the food set? What was the weirdest thing you guys had left? So that was done in like shades of Emerald green with some gold. I said, see this design. And I literally just launched it like the same day. It was really freaky. I said, your space matches my design, but it was done obviously in separate. So you never know where you're going to get an inspiration. That's my point. And I'm just inspired when I see things and I just put them in my head or I take a picture, put it out on my desktop and hold on to it. But, and I design these bathroom collect, or I design these plans, like in lots of tens, so whatever, and that helps me, I'll do a vanity and one I'll do the tile in another, and then I start interchanging and moving everything around, or I'll do three designs that are lower price that come from Home Depot and then I'll do a higher end design. So it's fun. I mean, it just, it just meets my creativity needs and just another anecdotal. So there's a site called Stray Dogs and they do a lot of bright, colorful things. When I see their posts on Instagram, I always know like an artist when you're listening to music, oh, it's him or it's her. I always know it's a Stray Dog design, even if I don't look at their name. So I caught some of their pendants that were in bright pink, like a coral pink. I literally found a vanity that matched that, that had a little scallop design. And then I found a basket that had scalp design, the point is I don't, I'm not going to have a lot of buyers for that one. It was bright and colorful, but it just shows how diverse I can be with the offerings.

Glenn Price (30:16):

Absolutely. Oh, absolutely. So that's what makes it fun? Well, well, Diane, I mean, I just, absolutely. I'm so glad that you came in here today and, and now it's like, Oh my gosh, now I'm getting to know you. It's like what we were talking about. Just the story. That's why I wanted the listeners to be able to hear a little about you. So thank you for sharing how you got to where you are today. Because now it, I, I can, I can see the value. I can appreciate the value because of, of, of how long it's taken you to write your story, your journey, to be where you are. And it's like, Oh wow. I would definitely, you know, you sure you don't do like living rooms in a box, you know, listen, I'll take it all back and we'll start over. If you'll come to our eating area and help us get that straightened out. Our listeners out there for those of you who are saying, hey, you know what, my bathroom I've been wanting to do something in that area, but it's just overwhelming. Uh I mean, absolutely they need to go to Bathroom In a Box. Is that where they can find you? Okay. And and, and embrace this because this lady is a real deal. She loves what she's doing. I know she's good at it. I can say, I feel your passion here. But, but also to that woman out there that has an idea that has a dream that maybe wants to start something she sees a need. What would you say to, to those women out there that are maybe wanting to venture out and start their own company? Like you have what advice would you leave them with today?

Diane Kazan (31:59):

I feel that if it's an idea and it doesn't have to be a new idea, technically Bathroom in a Box is a new idea because it's an industry disrupter, the designs are already done. So it's different than the traditional design. But if it's something someone else is doing, what's the differentiation, what makes you better or special? And then you have to believe in it. And honestly, whatever you do today, and you look back a year from now, it's like, oh, that was ugly. That was stupid. It's just, it's an evolution. And you move with the market and you move with the response that you get, or you just get better at something. I used to pay someone to my mood boards. Now I do them myself because I always have to change them because of product changes. So even those skills that you don't want to work on and don't want to invest the time. You probably have to in order to get good at it, because eventually you'll be able to give it over to someone else. I don't do my own SEO. I do my own social media, but I also pay someone to help me with it. But otherwise you just, you just are like a one man person. I don't remember one women person. Yeah. And then, you know, join or talk to people who give you good feedback.

Glenn Price (33:15):

Is there a network or places where people can connect, you know, entrepreneurs or things like that? Are you in join or connect with any other business owners to collaborate?

Diane Kazan (33:28):

Not like that. So it's more informal than formal. Friends that I know the design community in Nashville are, rely a lot on those people. I have a lot of good friends that are in that business that give me resources, or I can use them for resources or in the case of Keystone with your luncheons that you do for, for people that either are associated with you or want to be associated with you, or simply wanted to attend. And you just, you make friends and relationships and, you know, maybe, maybe it becomes a big relationship, maybe not, but you can't really have enough friends. Right. Absolutely. I mean, have you ever heard anyone say I've got too many friends and and those are you, you know, Hey, can you just give me five minutes? And can you just, you know, let me ask you about this. Yeah. And if, if you believe you gotta keep going. Cause, cause what does that tipping point? And all of a sudden there is, there's always a tipping point, the economy, a relationship, a school, where you just, you, it just, it happens all the time.

Glenn Price (34:34):

It does. We experience that here, you know, for years and years. And then all of a sudden you get to this place because we had this dream to birth this company and to grow a company to where people could come and, and get everything they need from, and they would be able to sit down with people who, who, who have, who are knowledgeable, who have this skill, but also very important that they have the heart and they care. They're really interested in the people. And so being able to provide that, you know, and build that for people that, that, that takes that takes time to do, but then you get to this place and then it just starts to happen, you know? And so it so if you're thinking of starting a business, you know, don't give up on that dream, go after it. And again, Diane, thanks for grabbing some time with me today. I really do appreciate you coming here sharing your information with not only me, but also to our listeners. And I hope you'll come back some time. Now, before we sign off again, I want to thank everybody for listening, but don't forget to visit Keystonequiz.com to identify your number one retirement mistake. Again, that's Keystonequiz.com have a great day.

Outro (35:47):

You have been listening to Her Time to Retire with Glenn Price and Jonathan Scott. Glenn and Jonathan would love to talk to you and answer any of your retirement questions. All listeners can take advantage of a free 15 minute consultation with Glenn and Jonathan, whether via phone call, Zoom meeting, or in person, you can schedule your consultation by calling (615) 661-9554 or by visiting our website at www.keystonefinancialresources.com. Thanks for listening. The opinions expressed by Keystone Financial Resources and guests on this podcast are their own and do not reflect the opinions of this station. All statements and opinions expressed are based upon information considered reliable, although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Investments involve risk and unless otherwise stated are not guaranteed. Past performance cannot be used as an indicator to determine future results. Strategies mentioned may not be suitable for everyone. Information expressed does not take into account your specific situation or objectives. It is not intended as recommendations appropriate for you. Before acting on any information mentioned, please consult with a qualified tax or investment advisor to determine if it is suitable for your specific situation. This program is designed to provide accurate and authoritative information with regard to subject covered. Investment advisory services offered through Brookstone Capital Management, LLC, or BCM, a registered investment advisor, BCM and Keystone Financial Resources are independent of each other. Insurance products and services are not offered through BCM, but are offered and sold through individually licensed and appointed agents.