Episode 37: Dustin Paine on Ranch Life, Business Growth & Smart Home Insurance

00:00:00:00 - 00:00:09:09
Nate Carver
Hey, this Nate Carver, your favorite mortgage guy. And today we are talking with Dustin Payne out of Van Austin, Texas.

00:00:09:09 - 00:00:30:23
Nate Carver
Hey, I'm Nate Carver and welcome to Between Two Doors.

00:00:30:23 - 00:00:33:08
Nate Carver
Hey, Dustin. How are you doing, sir?

00:00:33:10 - 00:00:43:13
Dustin Paine
What's going on, brother? I'm doing well. I'm doing well. Enjoying the sun. Glad the storms have gone for a minute, but I think we got some more storms coming here in the week.

00:00:43:15 - 00:00:50:08
Nate Carver
Yeah, yeah, we got, so far, an inch and a half of rain this week over at my place, and so.

00:00:50:10 - 00:00:55:17
Dustin Paine
God, I know you're a gardener, so that's going to be, that's going to help the garden for sure.

00:00:55:19 - 00:01:29:00
Nate Carver
Yeah. I can't I'm expecting some good some good things grow out of that garden this year. And that that rain totally helped. Hey, so tell me. Tell me about your roots. Your beginnings. That's. And you built a, business from the ground up in the insurance industry, and, tell me tell me a little bit about that and some defining moments, I guess, from your childhood or from your ranch life in van, all seeing that first light, your entrepreneurial spark.

00:01:29:02 - 00:01:44:16
Dustin Paine
You know, I when I started my, my agency, I went a couple of years and, and I said something about my family not being super entrepreneurial. And my mom started laughing and she was like, your grandpa was a, third, fourth generation rancher and farmer. They work for themselves. Like, what do you think you got them from?

00:01:44:16 - 00:02:08:13
Dustin Paine
And I was like, I don't even think about that way. Right. But, I kind of try to go back. I, I started my agency in 2010. I played, I played college baseball, but my, my high school baseball coach, when I went to college, retired from teaching and became an insurance agent. And he started calling me, asking me if I wanted to be an insurance guy.

00:02:08:13 - 00:02:29:20
Dustin Paine
And I said, absolutely not. Don't ever want to do anything with insurance. And, he he put a calendar reminder. Well, I didn't know what it was at that time. Right. But he put a calendar reminder every quarter to call me. And I got out of college and went to oil and gas business and just started kind of got to a spot to where I was like, man, I don't love what I do every day.

00:02:29:22 - 00:02:44:08
Dustin Paine
He didn't like the people I was around, didn't like the lifestyle I was living. And so, I ended up reaching back out to him and I said, hey, man, talk to me about, you know, coming and work for you insurance. And he had just sold his agency and became a, we call it district manager. Right.

00:02:44:08 - 00:03:09:02
Dustin Paine
So he oversees he's kind of our go between between us and corporate, or us in the carrier. For support, coaching, all the things. Right. And he's one of my best friends now. Was in. But, he became a district manager. So I sat down, talked to him, said, man, let's let's rock and roll. I debated on starting my own, survey firm, oil and gas.

00:03:09:02 - 00:03:20:23
Dustin Paine
I didn't want to go into that. A million bucks, a 22 year old kid that didn't know how to balance a checkbook. So look in insurance, I said, man, if I got to be in the office every day, it's not my deal. And he's like, well, good. If you're in the office every day, you're not gonna make any money.

00:03:21:01 - 00:03:37:20
Dustin Paine
So you got to get out. You can't be a secret agent, right? You got to get out, know people, meet people, recruit and grow. And that and we kind of bumped along for a couple of years. I, I joke around and say, I was a really good sales agent. I was a really bad business owner. And so I would hire I would do it.

00:03:37:20 - 00:03:54:01
Dustin Paine
A lot of guys did. I'm a big reader, you can see, but, e-myth. Right. You jump in and and you are the things that you're not good at, but you don't really train in because you're not good at them and you try to do them right. So I would sell and market and build referral partners like yourself.

00:03:54:01 - 00:04:16:18
Dustin Paine
And I would hire the like. I remember the first lady, I did, a sweet 19 year old girl, I was just a kid, but I was only 23 at the time. And she came in her first day. I gave her a log in. I gave her a email, and I said, I got to go market and and just answer the phones, and she would call me like, that was.

00:04:16:18 - 00:04:30:10
Dustin Paine
That was the training I was that was day one. And so I was like, I'm running out to this client meeting. You figure it out. And she would call me and go, hey, I got this client with this question. And I literally would say, I don't know the answer to that. You have to call. You have to call in writing.

00:04:30:12 - 00:04:51:19
Dustin Paine
And I didn't know it. Right. So, over time, what we built, I was going over with, with, my obs manager this morning on how many people we've had over the last five years. And so over time, I've still continue to do that. Right? Hire in my weaknesses out. But I also spent a lot more time training and coaching.

00:04:51:21 - 00:05:07:23
Dustin Paine
This morning I was doing that with my team this morning. And that's really what I've found I love. Right? I don't want to I don't want to manage people. I want to coach people. I want to coach my my I tell my sales team it's my job to. Or it's my goal for you guys to make more money than to have a dream job.

00:05:07:23 - 00:05:23:17
Dustin Paine
If that's what you want. Or it's my goal to, give you more time at home with the family, if that's what you want. Right. So I want to figure out what they want and then try to facilitate that through the to through the agency. I don't think anybody ever grows up and says I want to be an insurance guy.

00:05:23:19 - 00:05:27:09
Dustin Paine
Or when they're young, go, man, I want to sell insurance when I grow up. Right.

00:05:27:11 - 00:05:29:22
Nate Carver
Right. Nobody does that in the mortgage world either.

00:05:29:24 - 00:05:54:17
Dustin Paine
I know. Right? It's it's mortgage. Yeah, it's mortgage insurance. It's kind of all the same, but it's providing a really good lifestyle in a, a foundation to really help others. Yeah. When I, you know, when I write big. When I write big commission checks to my sales team, I, I'm, I'm a static. Yeah. So I, I love it because there are they're, they're providing for their family.

00:05:54:17 - 00:06:02:13
Dustin Paine
Right I get excited. That's right I hope I kind of answered that question and went back to like the beginning days and then brought forward from there.

00:06:02:13 - 00:06:28:01
Nate Carver
Yeah. No. You're good. Tell me. So you do help others. You're involved. I know you're involved in the local chamber of commerce for Van Austin, Texas. Tell me a little bit about your involvement there. How long you've been a part of the the VA chamber? And what you do there in, the impact that you've seen in your community?

00:06:28:03 - 00:06:49:00
Dustin Paine
Yeah. So we moved out here. We bought this piece of property in 15. We moved out to van all things. I grew up east of town about, I don't know, eight, eight, nine miles east of town. And then we bought this property in 15. We built in 22. And, really just started going in. How can we get more involved in the community?

00:06:49:00 - 00:07:08:19
Dustin Paine
How can we continue to help businesses grow? How can we be a resource really just kind of a cool thing. Like, I, I love to be able to support the growth that the community has. And, our vice president, I don't know if she's a vice president at the time, but, our vice president currently had we know each other because we've done business together in the past.

00:07:08:20 - 00:07:22:02
Dustin Paine
And anyway, she she called me and said, hey, I'd love to sit down. And what you what? You joined the board. And I was like, yeah, about doing the board. I don't know how much time I can devote to it, this and that and the other. And the more and more I thought about it, I thought, you know, we can be a part of reviving this out.

00:07:22:02 - 00:07:46:07
Dustin Paine
So that was only in January. We came on, we had 16 members, I think, was really not. They used to have a chamber. Really wasn't a whole lot going on. And so, I mean, me and the new board, right. SAT down and went, what's our what's our goal here? And, and really put in education and business support and hold classes and, and really try to, bring in speakers.

00:07:46:07 - 00:08:05:09
Dustin Paine
Right. Like, we've got Shelley Luther coming in. Representative, come in and talk after the, after the session is done or whatever they call it there. So, jumped in. I took over the membership side of that. And for me, it's a really good it's a really good avenue for me to be able to walk into somebody's business and go by and tell me, hey, I'm with the chamber.

00:08:05:11 - 00:08:20:22
Dustin Paine
Tell me about your business. Tell me about what your struggles are. Tell me about what do you like to see in the in the community? How can I be a liaison between us and the other businesses, but also us and, and the city, right. Who can I introduce you to at the city that would make your life easier.

00:08:20:22 - 00:08:28:07
Dustin Paine
And really just try to play connector and add value to these younger businesses.

00:08:28:09 - 00:09:01:23
Nate Carver
Sure. Absolutely. Tell me, in the insurance world, being in living in van all stainless talk the reality of insurance, especially in North Texas. Yeah. And I mean, and you certainly in the lending world is going to get a home and finance it. You're going to need insurance, but you need a little bit as to why and what insurance, policies are looking for to help, maybe help a homeowner or someone looking to buy a home.

00:09:02:04 - 00:09:05:21
Nate Carver
Prepare for that.

00:09:05:23 - 00:09:40:16
Dustin Paine
Oh, man, that's kind of a loaded question. Yeah. You know, you see, I used to five years ago, it was kind of a blanket. All the carriers were looking for the same things. Everybody was trying to compete for business. And in the last 24 months, that's changed almost to 180. Carriers have gotten very, very specific on what they and what and who they want to insure, where they want to insure, where they want the risk exposure to be, it wasn't too long ago, probably 7 or 8 months ago, I had a real estate agent call and they said, it's a deal.

00:09:40:16 - 00:09:58:20
Dustin Paine
We're looking at the look at the client, and I could not find a carrier to insure the house. And it wasn't a bad house and it wasn't a it wasn't in a terrible area in my opinion. And the buyer didn't have I mean it wasn't like it bad credit or any of that stuff. Right. Was this your normal type exposure.

00:09:58:22 - 00:10:14:18
Dustin Paine
It was a little far out right. Which is why I was having issues with it. It was like ten miles away from the North Side apartment. Right. So that was an issue. Yeah. But, I couldn't I couldn't find anybody to cover it. And when I, I was talking to the lender on the deal, the guy that was working the deal and he's like, we just go the whoever.

00:10:14:18 - 00:10:46:01
Dustin Paine
And I was like, it doesn't work that way anymore. Like, it's not an issue of how how inexpensive we can find the policy. It's can I find somebody to put insurance on this house like it? So he got really, really specific on what they are looking for. And it really depends on the carrier. Right. It really depends on like I've got I've got some companies that are really good with rural markets, and I've got some companies that are really good with the farmers is just killing it with homes in the city, new business.

00:10:46:01 - 00:11:06:01
Dustin Paine
Right. I mean, they're it's so I would say if you're a buyer out there looking or you're looking to change your insurance carrier, look at I hate saying look at the fine print. Right. But, look at how the carriers are insuring now. There's there's a lot of companies that are moving to, schedule repayment, so they're not paying replacement costs on houses.

00:11:06:01 - 00:11:25:21
Dustin Paine
Again, I think that's going to continue to be a trend. Not that many carriers are offering, or companies are offering less than a 2% deductible. I've seen a couple, but pretty much two and a 3%. It's going to be, I think, the thing of the future. So it's really, I was doing some training with my team this morning.

00:11:25:21 - 00:11:48:06
Dustin Paine
I go, it's truly a you get what you pay for. So if it's cheaper, it's because it's less coverage. If it's more expensive, it's because there's more coverage. So, you know, look at roof edges. Roof edges matter not just because of used to roof edges matter because of price. Now roofing does matter because if you have a 7 to 10 year old roof, after that, a lot of companies move to a schedule payment right where you're going to come out of pocket.

00:11:48:06 - 00:11:51:14
Dustin Paine
A percentage of depreciation on that roof.

00:11:51:16 - 00:12:12:11
Nate Carver
Does it matter the type of roof? Okay, I see different. I just saw a commercial product. There was a commercial for a roofing product that the entire the panels instead of shingles were made out of rubber for example. It was tire. It was made out of tire recycled tires. And they said that I don't know, they said 50 years.

00:12:12:13 - 00:12:15:19
Nate Carver
That's what they said, how long it lasts. And they're like, okay.

00:12:15:21 - 00:12:36:02
Dustin Paine
But we've got a couple of houses that have that rubber roof on it and okay, short of a tornado or a tree fall through the roof, you're pretty well set. So that that does matter. I've got a roofer friend of mine that was telling me about some kind of a shingle. I don't remember exactly what it was.

00:12:36:04 - 00:12:58:04
Dustin Paine
But when he sells that shingle, he tells the client, I don't expect to hear from you ever again. Oh, wow. Like, I'll come out to do middle, you know, small repairs, but you shouldn't have to get it replaced. Right. And so, you know, there's. Yes. So type of roof does matter. Impact resistant. There's some there's some companies now they're going to they call a fortified roof.

00:12:58:06 - 00:13:16:06
Dustin Paine
I don't know all the logistics that go into it, but there's, there's companies that are certified fortified roofers, and they come out and they seal it up the right way and they fill it up with, and I don't even want to begin to, to tell you all the things they do to it, but, those things do matter now, right?

00:13:16:08 - 00:13:19:24
Dustin Paine
Metal roofs are great, right? We love metal roof.

00:13:20:01 - 00:13:46:22
Nate Carver
Is, I'm. I see a lot of insurance policies in you come through the lending world, but I see some that are bundled, with other, you know, the car, the boat or the that kind of thing. And I see some that aren't. Is that is that common now? Is it not something I mean, it's optional, but I've always understood bundling helps save the homeowner, some money on their on their insurance policies.

00:13:46:24 - 00:14:13:09
Dustin Paine
Yeah, it usually does. Again, it depends on company, but it's usually a 10 to 20% discount when you bundle on both home and car. Or motorcycle or trailer, RV or whatever. Right. Usually the more policies you have with that company or that brokerage, the better. But and I have seen it different ways, right? Where, hey, it just doesn't make I want this coverage for this particular house.

00:14:13:09 - 00:14:36:24
Dustin Paine
And it's better to go with this one. And when you look at the net global picture or the finances, it doesn't make sense. A monthly, or let's say like around us. Right? We have a lot of ag properties. Your normal state farm, USAA, Allstate farmers like your big home carriers. Yeah. They have exclusion for at.

00:14:37:01 - 00:14:54:17
Dustin Paine
So I, I was talking to a client today. We're moving them over to a farm and ranch type type product because he's got cattle and with your normal home carriers if let's say a cow gets out on the road and somebody hits it, or somebody comes over to the house and the kids are run around and they get in the pasture and a cow runs them over.

00:14:54:19 - 00:15:17:11
Dustin Paine
Your normal homeowner doesn't cover that because they don't have ag exposure coverage. Well, that particular policy we're riding it through, like, I think that was through Liberty Mutual. But that policy, you can't you can't. Right. The cars with it. Right. So the cars are with Liberty or the, the house is with Liberty Mutual AG and the cars are with farmers.

00:15:17:13 - 00:15:35:01
Dustin Paine
Right. So, sometimes it's something like that, but if you can bundle I, I always recommend at least look at it. Yeah. At least see if it makes sense. That's something we, we ask on all of our calls, right? Where. Hey, we're doing your home. We're doing your cars. What else are you paying insurance on that we haven't talked about yet.

00:15:35:03 - 00:15:50:09
Dustin Paine
Right, right. You have a F-350. What are you telling me on that F-350? Right. Nobody has AA1 time pickup without telling you text. Oh, I towboat I sell an RV, I go a camper. Right. So whatever. Cool. Let's look at the insurance on that as well. Right. Yeah. Good question.

00:15:50:11 - 00:15:58:13
Nate Carver
Where's your, do you have a coverage area that you focus on? State of Texas, other states.

00:15:58:15 - 00:16:18:22
Dustin Paine
Other stuff very heavy in Texas, in Oklahoma. Okay. We're licensed in some other states. I've got we do quite a bit of commercial insurance as well. And I've got some, some clients that have locations in other states. And so we wouldn't get licenses in those states where they're where they have the locations that, but primarily focus Texas and Oklahoma.

00:16:18:24 - 00:16:39:14
Dustin Paine
I used to joke around, I didn't get license in Oklahoma till about five years ago. And everybody was going, man, why don't you do Oklahoma? I'm like, well, because I it's too far away. I can't service that. Right? And then it hit me. And I've got clients down in Del Rio down on the border, and I'm like, wait a minute, Oklahoma is an hour, 45 minutes from me.

00:16:39:15 - 00:16:54:24
Dustin Paine
Del Rio state like that doesn't make any sense. Like in eight hours I can be all the way to Kansas. So it's not really a geographical thing. It's just to making sure I know that, you know, they know the exposures in Oklahoma and make sure that we're insurance correctly.

00:16:55:01 - 00:17:05:12
Nate Carver
Right. So a couple of years ago, we had, all all of Texas, had the ice pocalypse.

00:17:06:16 - 00:17:27:04
Nate Carver
And occasionally there's tornadoes and bad weather and all that. Right? Sometimes there's floods in your time, in your experience, can you think of a, a family where their insurance policies come through for them after a disaster?

00:17:27:06 - 00:17:45:07
Dustin Paine
Sure. Man, I'm trying to think of stories to pick right when you when you when you're in it every day, you see a lot, right? Like, I talked to clients all the time, like, well, that never happens. And, like, actually happened three times last week. Like, it. But we've also got a lot of clients, so we see it a lot.

00:17:45:08 - 00:18:09:04
Dustin Paine
Right. So you talk about that ice apocalypse we had, we had so many clients. That's one great thing about farmers. Farmers doesn't have a limit for their pipe break. Right. So we have that we have that, that freeze like that, and pipe explodes in the ceiling and the the the ceiling caves in. There's no limit.

00:18:09:04 - 00:18:29:24
Dustin Paine
We take care of it. Right? We had a lot of clients that had gone to other companies and call us back, and they were. They were upset. Rightly so. Because they left for less coverage or they left for less money, not realizing that they didn't have that coverage. And so they're 50 to $75,000 claims. What would have been a claim that they were having come out of pocket fix.

00:18:30:01 - 00:18:47:20
Dustin Paine
One specific one of those instances that that that comes to mind. My neighbor across the street at the house I was living in at the time, he was an older gentleman. They were from California, and I had walked outside to get something or check on something or whatever it was, and he had ran out of the house.

00:18:47:20 - 00:19:06:11
Dustin Paine
He was covered. He's like 75 years old. And he was. It was when was freezing like that. Right. And he comes running out and he's covered in water. His wife comes running out, she's covered in water. And, I ran over there. I was like, are you good? He's like me. And my ceiling just caved in. And I was like, what?

00:19:06:13 - 00:19:23:09
Dustin Paine
So went inside and looked and his entire living room was on. Just had completely caved in. And water everywhere. Water running out into the street. And I'm like, all right, we'll get this taken care of. You could of ours. But also a friend of mine. Right. And, I was like, we'll get this. Taking care of it.

00:19:23:09 - 00:19:38:22
Dustin Paine
First and foremost, you and your wife are in your 70s. Go to my house and sit in front of the fire like, you guys gotta go warm up. Right? It's just there's no there's no other question. And so we were able to get the water turned off. We called a couple of our water remediation companies that we referred to.

00:19:38:24 - 00:19:57:15
Dustin Paine
They came over, they walked around everything, got it all squared away, and farmers covered the whole bit, covered the whole bit and paid to put them up in a, you know, in a, in a hotel while it was gone, like, while they were out cover extra living expenses and all that stuff. Right. So, I don't remember what that claim was.

00:19:57:17 - 00:20:08:08
Dustin Paine
But it it, I've seen it. I've seen it time and time again. Right where your your ticket would be 100,150 K and insurance company jumps in, takes care of it.

00:20:08:10 - 00:20:33:24
Nate Carver
Wow. Good for y'all. And tell me you mentioned it earlier. The minimum deductible they're setting it to. You've seen being raised to 2%. Are you seeing a cap on that? Like, is there, do you do insurance. Does the insurance will have a, upper limit on what, policyholder can put as their deductible.

00:20:34:01 - 00:20:55:21
Dustin Paine
You guys usually mandate that for us? Yeah, right. Like, I know most lending products have a 2% max or 5% max or whatever that may be. A lot of times I'll sit down. We'll we'll get those questions right. Kind of come and go. Hey, what if I bought my roof deductible to 5%? Right, right. And so the way I like to look at it is, what is that?

00:20:55:22 - 00:21:19:04
Dustin Paine
Annual savings going to look like? How long do you have? Yeah. How long do you have to go to make that make sense? Right. Yeah. So if we bump your deductible from a 2% to a 3% and it saves you a $1,000 a year, but your deductible just increased six grand or whatever that may be, right? You have to go six years without a claim to make that make sense.

00:21:19:06 - 00:21:38:08
Dustin Paine
Right? Mr. Klein, I'm looking at your roof. And your roof is five years old. You're probably in it's asphalt shingle, right? Builder grade. Whatever. Architectural shingle. Looks to me like we're probably going to have to like the next hailstorm. It's probably going to need replace. So it might not make sense for that savings that you get. Yeah.

00:21:38:08 - 00:21:56:03
Dustin Paine
So we try to just look at, you know, see if the numbers make sense. Right. The numbers make sense by all means. This rock and roll I did that on my I also had a new roof on my house I bought in 2017. And I chose to go at that point we were offering 1%. Right. Well, I went to a 2% deductible because I had a relatively new roof.

00:21:56:05 - 00:22:12:18
Dustin Paine
Well, then the hailstorm came through of 17 and demolished it, and I went three months of savings. Right. And had come out of pocket that higher deductible. So you are playing Russian roulette when you do that. But at least we try to walk through. Hey, this is the way I look at things, right? Does it make sense? Is it going to save you monthly?

00:22:12:18 - 00:22:22:24
Dustin Paine
Yes. Is it going to save you monthly? Enough to make it make sense I don't know. Let's run the math and see and then let's see how long we have, how long we have to take that savings to make that work.

00:22:23:01 - 00:22:57:16
Nate Carver
It's right, not I. The reason I ask is on the lending side, it's 5%. And you know, you know, raising that deductible can lower that monthly premium, or their monthly escrow, if you will. But the reality is or what's that. 5% of what the purchase price or replacement cost and and having that conversation with the borrowers, they understand because I'm going to want to see just as a, as a good steward of their resources.

00:22:57:17 - 00:23:13:13
Nate Carver
Yeah. Where the money is going to come from. Because if it, you know, if your deductibles now $20,000, you may not have $20,000 laying around. So anyway, I always I like that explore that with people just so we think it through. We have that conversation with them.

00:23:13:14 - 00:23:34:20
Dustin Paine
Yeah. And we we do that too, right? We have new new buyers, new new homeowners come in and they want a 4%, 5% deductible. But there are using 90% of their savings as a down payment on the house. Yeah. And so if that house if something happens the next day, they don't have the deductible money to be able to pay for that.

00:23:34:20 - 00:23:39:17
Dustin Paine
Right. So is it really to your point. Right. Is it is it a good steward to be able to do that right.

00:23:39:19 - 00:23:43:15
Nate Carver
A lot of peace of mind. So if that good plan put together.

00:23:43:17 - 00:24:03:18
Dustin Paine
Well, I mean, that's all insurance is, right? I tell people when you walk out of my office, when we hang up the phone, you have a receipt and a promise and that's it. Yeah. Yeah. And I, I'm, I'm sure farmers shakes when I say this or this restaurant. I love when we have claims. I don't like it for our profitability.

00:24:03:20 - 00:24:19:21
Dustin Paine
I don't like it for the the rate stability. But I like it from an agency perspective because it it allows it gives me a time to make good on my promise. Right? Yeah. When you walk out of my office, I've told you that. Hey, man, something happens. We got you. We got your back. My office is there. We'll make.

00:24:19:23 - 00:24:33:22
Dustin Paine
We'll take your call. We'll walk you through the claims. We'll help with all that. Right? Well, we never have a claim and we never get to make good. I just take your money. And I never get to make good on that promise. Right. So when we have a claim, I get it, I get it. I remind you why you have us, right?

00:24:33:22 - 00:24:43:06
Dustin Paine
Like, why do I use Justin instead of Geico? Or why do I use Justin instead of whoever else? Right. But because when, when when things happen, we're there for you.

00:24:43:08 - 00:24:55:23
Nate Carver
Yeah. So tell me, outside of outside of, insurance. Tell me a little bit about what you love doing, what you're passionate about. And, let's let's get a little bit deeper on that side of things.

00:24:56:01 - 00:25:17:08
Dustin Paine
Yeah. You bet. Man. Love my family. I've got five kiddos that are amazing. I love spending time with them. We've got a little no ranch yet. Call it out here east of town. So I'm sitting here right now talking to you. I know you can't see behind me. We're sitting there. I got horses out there grazing and cattle moving around.

00:25:17:08 - 00:25:35:17
Dustin Paine
And so we. We love animals. We love all the stuff that comes along with that. So we've got, a little meat company that you can get on and order meat from us. And, and just love animals, pretty heavily involved in our church. My wife sings there and and hangs out with the girls and, serves in the women's ministry.

00:25:35:17 - 00:25:41:01
Dustin Paine
She's putting together all that stuff. So we we love, love community, love family.

00:25:41:03 - 00:25:44:14
Nate Carver
Tell me a little bit about the meat. The meat option there.

00:25:44:17 - 00:26:03:05
Dustin Paine
Yeah, yeah. So, chicken and beef. Right. So getting raised cattle is a locally raised, chicken and beef, company called farm two, the number two fork. And, we started it out as kind of a little hobby. And my wife tells me all the time, I can't just have a hobby, I have to have a company.

00:26:03:07 - 00:26:15:05
Dustin Paine
And so we jumped in, we jumped in and we started that. And, mainly it's a lot of fun. Well, provide a good nutrient dense, for everybody.

00:26:15:07 - 00:26:20:24
Nate Carver
Yeah, well, I learned something new that. That's awesome. That's awesome.

00:26:21:01 - 00:26:22:03
Dustin Paine
That's one.

00:26:22:05 - 00:26:28:18
Nate Carver
What's next for you? Look at that on the horizon. What do you see for your ventures, coaching programs or what do you got going.

00:26:28:23 - 00:26:54:10
Dustin Paine
Man, I think I think maybe down the road I'll probably move more into the coaching side of things. I'm really trying to get personally really trying to get focused on, really diving in and scaling. Five, six, ten our insurance agency at the moment, my youngest graduates in five years. So I'm looking at, okay, what what can I make the biggest splash in the next five years?

00:26:54:12 - 00:27:17:09
Dustin Paine
And I think that's growing. Growing our insurance team. I'd love to have 5 to 10 more producers in our office. Just making making dreams happen. And and then allowing me to coach through that and, you know, really scale that up. So I think that's really heavily where we are personally, my wife and I, we'll, we'll probably pick up a few more rental properties.

00:27:17:11 - 00:27:32:19
Dustin Paine
We love we'll have passive income. Right. That's why we got an insurance. But, you know, really, we just. I'm not gonna say slow down because I don't think I can ever slow down, but gets more, more focused on on growing the agency.

00:27:32:21 - 00:27:56:04
Nate Carver
Yeah. Nice. Enjoy the journey there, I love it. Yeah. Tell me, Dustin, what if there's someone. Oh, we got to. I guess we got a couple of things. If someone is looking to, be an insurance agent with you, or if they're wanting to review their current insurance policy. I always say there's, you know, there's a team of people you own.

00:27:56:04 - 00:28:08:01
Nate Carver
If you're a homeowner, that's a realtor, a lender, insurance agent. These are people that you want to have on your team. How how can someone best get Ahold of you?

00:28:08:03 - 00:28:29:08
Dustin Paine
Email or text is probably the best. So email, I'm sure you'll put the email on, but just in a pain insurance group.com and then, cell phone (903) 372-6089 But, I mean, text is text is great. I usually can respond faster over text than I can't over call. And set up a meeting. Let's talk.

00:28:29:10 - 00:28:43:23
Nate Carver
Okay. I'll put the links, wherever you find this or consuming, your online content, your your podcast, I'll get this. I'll get Dustin's links out there. Dustin, thank you for meeting with me. We're about out of time, and, I.

00:28:43:23 - 00:28:46:00
Dustin Paine
Appreciate you having me on here.

00:28:46:02 - 00:28:48:02
Nate Carver
Absolutely. We'll do it again.

00:28:56:24 - 00:29:05:01
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