In this week’s episode of Dadages, host Chad Hagle brings you the second part of the final interview of the series “It Takes Credit to Make Money” with Wayne Brandt and Ron Sturzenegger, experts on the banking system. The conversation continues with what Ron calls the “fifteen-minute rule,” the idea that your entire career or life can change in just 15 minutes. Chad, Wayne, and Ron discuss their “current fifteen minutes,” and how their careers are being influenced by current financial circumstances and global factors. They compare and contrast the situation of today and the Great Financial Crisis they went through. Then, the guests break down what has happened with the banking system lately, especially with Silicon Valley Bank, how it’s affected the economy, and the impact it might have on the near future from their perspective. They also explain what it could mean for the real estate industry and give some advice to investors on how to navigate high-interest rates, inflation, and the situation in general. Chad then discusses and gets the guests’ opinions on the changes he has seen in the topic of customer relationships, regulations, and systematic approaches in the banking world. Ron and Wayne also explain what it means to be a “better customer” of a bank, even at a time when banks are not able to be better lenders, and the benefits this brings. The next part of the interview focuses on Wayne’s and Ron’s backgrounds and upbringing. They share how factors like their family structure, work ethic, participation in sports, and an emphasis on education and teamwork taught them many lessons and led them to where they are today. Wayne and Ron also discuss how they strive to pass on these values to the next generation by leading by example, handling mistakes, creating a healthy culture, ownership, motivation, and showing the ethics of business to their teams. Finally, they explain how the same core values and ethics direct their roles as parents and their lives at home as well. Be sure to tune in to learn valuable insights about many aspects of business and life from a group of very experienced and successful professionals!