Dan: All right, Ron. So, tell us, where did you grow up?

Ron: Yeah. I grew up in West Orange, New Jersey. I would, sort of, think of it as a typical suburban upbringing. It was a town of about 40,000 people. Typical suburban. Junior high school. High school. I had a large group of friends, friends from different groups. And I enjoyed it, and I have fond memories of West Orange.

Dan: And do you have any brothers or sisters?

Ron: Yeah. I have two brothers, I have two older brothers. My oldest brother is 8 years older than me, and I have another brother who's 4 years older than me who is developmentally disabled.

Dan: Okay. And what year were you born?

Ron: I was born in 1960. And I have a younger sister who is 6 years younger than me.

Dan: All right. And in high school, did you play any sports? Do anything activity-wise?

Ron: Yeah. I played soccer, and I ran cross-country, and I played tennis, although I played poorly, and I gave that up.

Dan: Okay. And then after high school, what college did you go to?

Ron: I went to Penn in Philadelphia. It was...my father went to Penn and I always had a soft spot in my heart to o to Penn as well.

Dan: Great school.

Ron: And it was a great experience.

Dan: All right. There again, any sports? Anything outside of educational endeavors?

Ron: Yeah. I didn't do any sports, was not my sports-focused period in my life. But I ran the concert promotion on campus. So, all the concerts that came to campus, I produced them and promoted them on campus with a couple other guys.

Dan: You must have met some interesting people, some interesting musicians.

Ron: We did meet some interesting musicians. We had bands like Miles Davis, we had The Go-Go's, we had Adam Ant, and The B-52's. And it was great, because we're in Philadelphia, and we had venues that, sort of, fit a nice hole, right? Because you had the big concert places where we couldn't do it. But we had a 2,000-seat theater, and we had some smaller venues, and it was very attractive for promoters to use us to promote bands.

Dan: All those bands, I recognize, they're from our generation.

Ron: They are.

Dan: I still listen to a lot of them today, so that's great.

Ron: My kids wouldn't know them, but...

Dan: B-52's, they might. But, all good. So then, you graduated in four years?

Ron: I did. I graduated in four years. Actually, I took a year off before I started school, I spent a year in Israel. And I spent about half of that year on a kibbutz, just, sort of, experiencing a different world. And then I also studied, and I got some credits, and that was a great experience. It was a great time to take a step back and go in a different direction before going right to college.

Dan: A real maturing experience.

Ron: Yes, it was.

Dan: So, you graduate college and then, we're not going to go job by job, but where did...what did you wind up doing as your main vocation?

Ron: You know, coming out of school, I got a dual degree. I got a dual degree from Wharton at Penn, and also from the College of Arts and Sciences. And I was very focused on Wall Street. I had always wanted to work on Wall Street, it excited me. You had a lot of momentum and adrenaline directing you towards Wall Street with all the fellow Wharton students. I got a job out of school at a small hedge fund. It was run by a guy named Asher Edelman, who most people don't know anymore, but he was one of the early greenmailers. And he took runs at companies, and we also had a risk arbitrage area. So it was a very exciting time for me.

Dan: And then, I know, you and I first met when you were at Lehman Brothers. So, how did you wind up at Lehman? And you were an international researcher and trader, right?

Ron: What happened is, I decided I wanted to do something other than trading. And I went back to graduate school, I got an MBA from Columbia. And after that, I wanted to go into equity sales, which is a better combination, I think, for my skill set than trading. And as it turns out, my degree from from Penn was in Asian studies. And I decided to become an Asian equity salesperson, and that's what I did. It was looking at Asian equities, Asian stocks. Let's say, HSBC, or let's say, Sony, and what I would do is I would talk to international fund managers. So, for example, a Fidelity International fund manager, or a Fidelity tech analyst, who wanted to get perspective and get to hear ideas from outside of Asia, I would go ahead and do that.

Dan: So, that involved a lot of travel?

Ron: Yeah. It was a lot of travel to the region. And I have to say, that was one of the most exciting parts of the job. I mean, here I was, again, as I said, this typical suburban kid from a suburb outside of New York, and I had never been to Asia, and I'd always been interested in different parts of the world. And I got to go to Japan, go to Korea, go to China, go to Thailand, and Indonesia, and get feet on the ground, meet people in the business community in these various places, get to meet some of these companies, and get an understanding of which kinds of companies would be a good place for institutional investors back in the States.

Dan: And it's a real relationship business. So, you're developing friends, acquaintances, and professional relationships with people.

Ron: Both colleagues. And then also clients, because I would travel out there with clients who wanted to get their feet on the ground and see the stocks, and of course, the local companies.

Dan: At this time in your life when you're doing this, did you have any aspirations? Did you have a longer-term goal as to what you wanted to achieve at that time?

Ron: No, I didn't. I didn't really think so much about that at the time. I knew that I wanted...First and foremost, I wanted a successful and stimulating career, and I wanted a situation where I'd have a comfortable life and be able to provide for my family, I have three kids. And that was really what was driving me, and just having new experiences.

Dan: So, actually, let's step back, because you did mention you have three kids. You got married how old?

Ron: I got married in 1987, I was 27. And I married Betsy, and we've now had three kids.

Dan: Beautiful girls.

Ron: Beautiful girls. Exactly. And they are 27, 25, and 22.

Dan: Nice. And so, at this time, how old are they, when you're traveling around the world for equity sales?

Ron: That was about 15 years ago. So, subtract 15 years. In fact, one of the things I suggested to my family is why don't we try to move out to Asia. And I could have transferred to Hong Kong, for example, which would have been very interesting for me in terms of professionally. And I thought, even more importantly, it would be a great experience for my family to live in another place in the world for several years. Unfortunately, I was a good equity salesman, but I was not a great salesperson internally, and I couldn't sell it to the family, they did not wanna go.

Dan: Unfortunately, for them, right?

Ron: I think. I think it would have been great. But I understand, it would be a difficult transition.

Dan: Yes. Especially kids at that age, moving them, getting them out of their social circles etc. Of course, it would've been a great learning experience as well. So, I know you went through 2008, right? And that was a tough time there at Lehman Brothers. Were you still at Lehman Brothers through all of 2008?

Ron: Yeah. Actually, let me step back, because I was also at Lehman Brothers at 9/11. I worked in the World Financial Center right across the street from the Trade Center, and I was on the second floor right by the window. When the first plane hit, I saw the piece of the plane fall to the ground and somebody caught fire from the plane on the ground. And I couldn't tell what was going on because I had looked out the window, but it was straight up, and I had no perspective on what was really going on. And we had heard, like everybody else, that some small plane had hit the tower. Which seems incredulous, because we knew what...it was just this beautiful day, and hard to believe that a plane could do that. Then when the second plane came, we knew it was clearly no accident. And they immediately told us to get out of the building. It's interesting because after the first plane, they said, "Stay where you are." Because after the first bombing in 1993, it turned out to be a bad decision to immediately rush down. And in retrospect they said, "Oh, it would've been better to keep everyone still." Which is why they used that, instructions in 9/11, which, in fact, was the wrong move there.

Dan: Right, right. So, you obviously got out safely.

Ron: I got outside safely, and I saw many people jumping from the top of the North Tower. I saw the South Tower fall right in front of me. And I was scared, because I was by the ferry to New Jersey, and I was too close to it, and that whole smoke almost enveloped me. In my mind I was thinking, "Oh, I'm gonna jump in the water, or something." Not that that would have saved me if something had happened. And after that I walked straight uptown, and I saw the North Tower fall, and at the Chelsea Piers we caught a boat to Hoboken.

Dan: Those images, unfortunately, are all too fresh.

Ron: They are.

Dan: And indelible, they're indelible. I was in Manhattan at that time too. But will never forget it, unfortunately. So, then you have, actually, two major milestones work-wise and Manhattan-based. You're in 2008, you're in Lehman Brothers and that company goes bankrupt. What's your story there?

Ron: Yeah. It was a...people use the cliche "Surreal." But, I guess, it was surreal. Because I was in equity sales, as I've said, and the area that was at risk, that had the exposure and real estate lending. And I had no idea what was going on, and all I could see is the stock price was going down, and the company would keep making statements, "Everything's fine, our earnings are fine. It's just short sellers telling stories about the company." But being in the industry all that time, you get a skeptical eye to such things. The market doesn't lie, and the more the stock came down, the more we realized something wasn't true had to be going on. And it's interesting because, I had a trip planned to Asia for a conference, we were hosting a conference in Beijing, and it was a big conference, I was going out there with clients. And then about, I don't know, I'd say, two weeks before the conference, I said to my boss, "Look, I don't wanna go out unless I get a cash advance for the plane, and for my expenses, and my hotel there." Because the way it works is, you have an American Express card, and you can put everything on your American Express card. But you're responsible if the company doesn't come through. And I was looking at the stock price, and I was nervous about the idea of being sent out there and having no way back. And my manager said, "Oh, come on. You don't trust the company, you don't have faith in the company." I said, "Look, I have faith in the company, but I'm also skeptical and I need to have that reassurance." And he said, "Okay. Well, then you don't go." And so, I didn't go, which was a very good thing because I would have been stuck out there. It was the weekend of the crash, and I would have been stuck out there and paying the expenses of the hotels, and food, and everything on my own. Anyway.

Dan: Smart move.

Ron: It was a smart move. He came back to me later and says, "You know, you were right, and I apologize for that."

Dan: I mean, he had no idea, of course, either.

Ron: No, no.

Dan: You had a good sense and you made the right decision at the time.

Ron: Right.

Dan: Especially looking back. So, let's roll the clock forward now. And we've talked about your career, where you grew up. And for those listeners who can't see, obviously, this is not video-taped, I'm sitting here with Ron and he is in a wheelchair. He is a paraplegic, and I want him to tell his story. So, if you can, let's roll the clock forward, or maybe now, from our seat, now back, to a terrible accident that occurred in your life. Can you tell us about that?

Ron: Yeah, I think...I sort of, in my upbringing, and I didn't really speak to this. I thought that there's a little bit of a bargain as I was growing up. You study hard, you do well, you get a good job, and you get the benefit of that. And that's what I did. I studied hard in high school, I went to a good college, I did well there, I had a good job. And I was moving forward, saving for retirement, putting myself in a good position to move forward. And sports were always an important part of my life. And I didn't really think about it so much, it's just something I did. I was always running, or biking, or working out. And a weekend, or even during the week, wasn't really complete if I wasn't doing that. And I'd go out biking on weekends. I went out on an unseasonably warm Saturday of Thanksgiving 7 and a half years ago, and I was finishing a 50-mile ride with a group of friends, and all of the sudden a woman behind an SUV comes barreling at me. It was 1:06 on a clear Saturday afternoon, and somehow she had fallen fast asleep. So it's not that somebody just clipped me from behind, which would not have been nearly as bad, this person, she was going 40 miles per hour towards me and I was riding at 20 miles per hour the other way. So that's really a pretty significant 60-mile per hour collision. And I never saw her, my eyes were really on my buddy's wheel right behind me. So she hit him and then she hit me, and that's the last thing I remember. I know that I was immediately medivaced to the hospital, I wasn't expected to survive. Against all odds, I did. The surgeons saved my life several times, and I coded out and they brought me back. But the one thing they can't do anything about is a crushed spine. And after two months in ICU, 51 days in ICU, I was discharged and I went to rehab for another 3 months.

Dan: Rehab to learn...

Ron: See, that's the thing. I was in ICU, I was in a coma for half of it, and then it's really just about healing you the best you can. Once you go to rehab, it was really no longer about healing, it was more about learning to live life as a paraplegic. And that is just a horrible thought that I was thinking about. I mean, every night in rehab, I would cry myself to sleep, hoping and praying I'd wake up in the morning and this was all a bad dream. That, you know, I'm gonna get better again, but I didn't. And I got stronger, I got healthier, but I still can't walk.

Dan: So, you must have had the four stages, the anger, the denial, I don't remember all of them. But how long did that take you to go through? And do you think you're completely through that now?

Ron: Yeah. I don't think I'm completely through that now, I don't think I ever will be. I don't know how long it took, probably a couple years. You know, some people say, "This happened for a reason." Or, "God had a purpose." I don't think any of that. I think, I'm not a particularly religious person, although I am sort of spiritually connected, I just think that stuff happens. And crazily, and unfortunately, it happened to me. And over time as I physically got stronger and I came to terms with what's going on, I was able to move on with my life. And I think it had a lot to do with saying, "Okay. All these things are no longer possible, let's think about what is possible, and let's move forward in that direction and make the best of things."

Dan: And you have. You have. So, when you say what's possible, possible physically, and possible from an occupation standpoint. So, as a result of your being in the hospital, as result of your needing care, you saw an opportunity, and now you've started a company called LeanOnWe. So, you're making an impact through the job, but I also want to laud you, and congratulate you on...Recently you were the commencement speaker, and you were made a PhD, a Doctor of Letters.

Ron: I am.

Dan: So, do you wanna talk a moment about that experience?

Ron: Yeah. It's a crazy thing. It turns out that one of my old clients from my Lehman and Barclays days had a friend who had a stroke, and he referred that person to us, and we helped that person. And he was impressed with what we've done with LeanOnWe, and he said he saw his friend who had this stroke who sort of gave up on things, and then he saw me who came out and started this company. And he said, "You know, that's really impressive." And it turns out that that guy was president of the board of a liberal arts school in Illinois, and he was looking for commencement speakers that would connect and resonate with graduates in a far greater way than some of the people they had had previously. And he said, "You know what? How'd you like to come out and be a commencement speaker?" And I thought about it, and I said, "I got to do it."

Dan: Yeah. And how many times had you done that prior?

Ron: I had done that none.

Dan: None, that's accepting a challenge.

Ron: And the funny thing is, it's a small liberal arts school with 200 graduates, and I'm thinking, "Okay. It won't be that many people." But, you know, with the whole family there and the faculty there, it ended up being 2,000 people. So, it was a bit intimidating, but it was very exhilarating as well.

Dan: I have to tell you, I listened to that speech, I saw the YouTube video, and it's really motivating and inspiring. And one of the things that you said in there is that everybody has a plan until they get punched in the face. I think it's Mike Tyson said something along the...

Ron: Right.

Dan: Do you wanna speak a little bit more to that point in terms of...

Ron: Well, I was trying to think of what in my story would connect with people in the audience. And I was looking through other people's commencements addresses, or inspirational talks, and I came across that quote and I start thinking, oh, that would be great. Because it's all about having a plan, because things happen that you don't expect, and you need to be able to pivot, you need to be able to maneuver, you need to be able to move in a different direction and re-engage. And I am an example of that. And everybody is gonna have an experience, certainly not as great as this, but they're gonna have to make those critical decisions.

Dan: Yeah. Absolutely. We all face challenges in life, not all as intense or dramatic as being hit by a car and being paraplegic. If you wanted to speak to the audience and give a lesson or two, something other....you've sent a couple of messages today. Is there anything else you want to convey to the audience? Anything else you want to, perhaps, elaborate on?

Ron: You know, people talk about that near-death experience, and I guess that's what I had, right? I experienced death in a real and visceral way that most people don't. And it allowed me to think about things differently. Because things are going well, you're healthy, you're strong, and you're not thinking about, things can change in a heartbeat. And it allowed me to reach out to that audience and say, "Grab it, go for it, there's nothing stopping you. And you're never as young and as strong, as capable as you are right now, and take advantage of the opportunities." I also, one of the other things I quoted in that address is what Steve Jobs said, is that, things are done by people just like you and me. There are many unexceptional people who go out and do exceptional things. And I think if you really put your heart into anything...Look, I can't go out and play in the NBA tomorrow, but I think people can do so many more things and are so much more capable than they realize if they just gut it out and push forward. And if there's one message that I wanna leave with people, that's it.

Dan: Just take action, right? If you have a dream, take action, don't just sit there, you can do amazing things. So, Ron, tell us a little bit more about LeanOnWe, the company that you founded.

Ron: It's a really interesting story. So here I was, I had been discharged from Kessler, I needed a lot of help, I had nurses and caregivers, and then all of the sudden your insurance stops, and you're on your own. And in my case, I continued to need home care, and I didn't know what to do. And don't think about me in terms of a disabled guy who needs some help, but think about all your parents or grandparents out there who need help and they don't know what to do. And I was struck by the inefficiency of our system. Really, there are, sort of, two ways people get home care. They go to one of these home care agencies, which may be suitable for them or may not be, but most people in that position will do almost anything to avoid an agency. And the reason is really pretty simple, it's expensive, it's impersonal, there are a host of restrictions, and you'd really rather go directly and find someone on your own, which is what most people do. But the problem is when you find someone on your own, you know nothing about that person. You don't know anything about their background, their experience, or even if they have a criminal record. It's a crazy system. So here we are in this era, let's say five years ago, you see what's going on with Uber, and you see TaskRabbit, and you see AirBnb, and you see the whole gig economy where people are finding people directly. And then you see a situation where you have this really inefficient situation. Where most people will wanna find someone of their own but they know nothing about those people, but they'll go ahead and try it anyway. And yet you have other people going through the established system, and you know that most people want to disintermediate the process. And how do you do that? And that's where we stepped in.

Dan: Right. So, then you created this LeanOnWe, where you interviewed caregivers, and then you did the background check.

Ron: Right. But we realized, on, let's say, Upwork, or Elance, or TaskRabbit, you can't just connect people to a caregiver, because it's a much more difficult situation. The caregivers have their own personalities and their own backgrounds, and many are not native Americans, and you have an older customer base which is not very easy to work with. So, you can't just, sort of, connect them via an app and assume that they're gonna find the right person. What you need is you need to manage that marketplace, you need to facilitate. And that's what we did with LeanOnWe. We said, "We know you wanna hire one of these caregivers, but we're gonna help the process. We're gonna meet them, and vet them, and reference them, and even shoot a video. So, now if you say to me, "My mom lives in Woodcliff Lake and she needs someone to drive her around, she's got two cats in the house, she needs someone comfortable with a kosher kitchen, and someone who likes watching movies with her," we can find someone who will fit the bill for you.

Dan: So, how do you find the caregivers, one, and then how do you find your customer?

Ron: Well, it's interesting that you say that, "How do we find the caregivers?" Because if you talk to anybody in the industry, they'll say a caregiver shortage is the biggest problem they're dealing with. And the reasons are obvious. If you're paying $25 an hour to an agency, that caregiver is probably making $12. It's a lousy pay and it's not easy work. But if you cut through that process and you find someone on your own, and you go, let's say, pay that person $20 or $18, they're much happier and you're much happier. So, by the fact that we have found...created this managed marketplace where we're able to connect someone, they come to us, the caregivers, they want those $18 an hour jobs rather than the $12 jobs.

Dan: Interesting. So, you're...you've got, would I say, a plethora? Is that an exaggeration?

Ron: Yeah. No, it's not.

Dan: Really? So, you have more than you need?

Ron: We have 1,500 caregivers we've met and referenced and fingerprinted, and we have thousands more who we haven't brought on our system because we can't find them jobs yet.

Dan: Really? So then, how do you find the customers? You mentioned the elderly, they're not gonna just look on an app.

Ron: No, they're not, but the adult children will, or the adult children will Google and they will find us, or they will ask their friends. And the word has gotten out about what we do because it's different than anything else out there. So, the word has spread, and through your podcast, it will continue to spread. Or people, you know, they search online, like everything else.

Dan: And so, once they contact you, do you vet the customer? You must have a questionnaire, you must need to know all about their situation so you have the right connection.

Ron: Right. That's exactly what we do, and that's exactly what's different than just a straight marketplace. We find out what's driving the customer, what's going on in the home, what they need. Are they mobile? Are they a diabetic? What are the key factors that go into finding someone for them?

Dan: Gotcha. And then once you find somebody, how often do they have to change? Is there a standard? Or is there...

Ron: Again, because they're making so much more money, the caregivers want these jobs, and they don't run away to another job because these are the better paying, the kinds of jobs they want. Now, that's not to say things don't happen. Someone can get sick, someone can go back to wherever they're from to see family, on vacation, there are all kinds of things. And that's where we step in also, because we're there for the backup, to make sure you're never stuck, and you've got the service you need.

Dan: You're always there as the resource to ultimately supply whoever they need for the situation.

Ron: Right.

Dan: Have you done any surveys of your customers and their satisfaction with the...

Ron: We do. Every time a customer leaves, we do a survey. And we have reviews on Google, and Yelp, and all those sorts of things. And you can see that we're really striking a chord. It's been very positive. And it's been very heartwarming, because we're making a difference.

Dan: That's wonderful, because that's the feedback you wanna get, right? You know this, in theory, makes a lot of sense, but you wanna make sure, ultimately, that the customer is happy.

Ron: Right. And it's taken me in a much different direction, because I think my goals are much more focused now than they ever were before. Because if you think about a panoramic picture, and some of the options on the side are cut off and you can't do that anymore, you're focused straight ahead on the things you can do. And here is something that I can do. I can make a difference by helping people, and I've seen things in this world of home care that I think are not being done well, and we can do things better.

Dan: It sounds like a terrific idea, it sounds like you're implementing. So, where do you wanna go in the future with LeanOnWe?

Ron: I'd like to get more capital, raise money, and expand the business, because I know we're doing so well in the New York area, we wanna take that business elsewhere.

Dan: So, for our listeners, you're currently serving what? New York metropolitan area, Northern New Jersey, and Southern Connecticut?

Ron: Right. And Nassau and Westchester. The greater New York area as we know it.

Dan: Gotcha. And what will be the next area you may go?

Ron: I think, you know, maybe Philadelphia or Boston.

Dan: Let's say we have someone listening from Philly or Boston, or even stream California, should they contact you now? Is there any way that you can be of service? Or is it a little bit premature?

Ron: It's still premature. We're not there yet.

Dan: All right. So you've got to wait until you're actually in the area to provide that benefit.

Ron: Right.

Dan: Are there other competitors out there that are doing similar things?

Ron: There are tons of competitors out there, it's a big world. We don't find people doing exactly what we're doing, clearly, but everyone's a competitor, I would be foolish to think otherwise. You've got agencies out there, they're competitors, clearly, there are other marketplaces. They don't operate as well, we don't think they're operating as well as we are, they're operating differently, they are focusing on different markets. But it's a big world, there's a lot of people who are getting older. We know all the stats, 10,000 people turning 65 every day, the number of people that need care, the number of adult children who are a sandwiched generation, who are caring for kids and also caring for a parent. It's crazy. So, if we just go out and do what we're doing well, everything else will take care of itself.

Dan: Gotcha. So, you're not really worried about the competition? You're gonna have your niche, you're gonna deliver your service, and those people who need that will find you.

Ron: That's exactly right.

Dan: Great. So, how do people connect with you if they wanna learn more about LeanOnWe?

Ron: Well, you can go to our website, leanonwe.com, and there's a phone number there, or you can send me an email at rongold@leanonwe.com.

Dan: And you also...didn't you give a TED talk?

Ron: I did do...I did give a TED talk, which was a great experience as well. As you can see, I've started getting into public speaking, because I think it's a powerful medium, again, that people are fearful of. And if you go out there and you push yourself, you can become a lot more comfortable with doing that.

Dan: Absolutely. So, where can they find the TED talk? Is that on YouTube, they can just do a search?

Ron: Yeah. It's on YouTube. We also have a LeanOnWe YouTube channel, and you can find it that way. I mean, if you google "Ron Gold YouTube," or "Ron Gold TEDx," you'll find it.

Dan: I'm gonna ask all the people that we interview a book or two that they would recommend. Do you have a book that you turn to that you think it's highly motivating or meaningful in your life?

Ron: I don't know that there's any one book. I like to read books on completely different topics and stretch myself. I recently read a book called "Lake Success," which was an interesting book about a hedge fund manager in New York, and he gets fed up with being a hedge fund manager and he decides to get on a Greyhound bus and go for a ride though the U.S.. And had a lot of interesting stories about what drives people and what's meaningful in someone's life. So, I would recommend that. And, actually, I just heard HBO is making it into a series.

Dan: So, it's a true story?

Ron: Yeah. There's probably some truth, let's put it that way.

Dan: And some fiction to make it interesting.

Ron: Right.

Dan: All right. Well. Terrific.

Ron: I would also say one other thing. As I also view the world a little bit differently now as a disabled person, and we talk about all the intersectionality and getting more people involved, but you don't really hear that much about disabled people, and improving the lives and improving the opportunities of people with disabilities. And I feel that I now have a platform to be a disabled entrepreneur who can make a difference, and who can show people that disabled people can contribute into society. Again, it's not something I ever would have thought of previously, and if you're not in the world, you don't think about that. But there are so many people...When you see someone with a disability, you think, oh, they can't go, and they can't achieve. But they can, and they do. And I have been exposed now to all these people who are paralyzed who are doing some incredible things, they're making a difference. And it's so challenging, and yet they just quietly go about their lives, and it's incredibly impressive.

Dan: Not only is it incredibly impressive, but I gotta tell you, you're incredibly impressive. And I tell you, you know you're one of the first to be interviewed for this podcast, and it wasn't by random selection. You've used the word disabled a number of times, and I realize, in the literal sense, you are disabled, you can't use your legs, but when I look at you and I think our friends in our peer group and others in the business community, they don't see a disabled person. You are incredibly achieving, you have incredible success, incredibly motivating, and that is your goal, and I've got to say you've achieved that on all fronts. I give you a gold star, 100%.

Ron: Thank you. Well, then I've succeeded.

Dan: You have, and you will continue to. And so, this has been an absolute pleasure, Ron, I appreciate the time, and I look forward to seeing how LeanOnWe continues to grow and thrive.

Ron: And I look forward to following the podcast.

Dan: Great things. Take care.

This episode was recorded by Daniel Kramer, managing director of the Constantine Wealth Management Group of Raymond James, 401 Hackensack Avenue, Suite 803, Hackensack, New Jersey 07601. Raymond James and Associates Incorporated, member New York Stock Exchange, SIPC.

Ron Gold and the companies mentioned are not affiliated with Raymond James. Opinions expressed are those of the speaker and not necessarily those of Raymond James. Any information provided is for informational purposes only.