Have you ever wondered what it takes to build a multi-million dollar business from scratch? Tune into this episode, where Andrew Filar shares his incredible journey from State Farm to founding his own successful agency, Peachy Insurance. Join hosts Donovan and Chelsea Ryckis as they explore Andrew's insights on hard work, the importance of small ideas, and the trade-offs involved in rapid growth. They delve into business scaling, customer retention, and the significance of creating a robust company culture. Listeners will walk away with actionable strategies for scaling a business, the importance of perseverance, and the value of focusing on sales efficiency. Connect with Andrew: https://www.linkedin.com/in/andrewfilar/ Connect with Chelsea and Donovan: Website: www.ethoseffectpodcast.com Instagram: https://www.instagram.com/ethoseffectpodcast/ Chelsea: https://www.linkedin.com/in/chelsea-whalley-8508a192/ Donovan: https://www.linkedin.com/in/donovanryckis/ #SmartScaling #GrowthMindset #BusinessSuccess #ScaleUpStrategies #ResourceManagement #StartupGrowth #Entrepreneurship #BusinessExpansion #LeadershipDevelopment

Have you ever wondered what it takes to build a multi-million dollar business from scratch? Tune into this episode, where Andrew Filar shares his incredible journey from State Farm to founding his own successful agency, Peachy Insurance. Join hosts Donovan and Chelsea Ryckis as they explore Andrew's insights on hard work, the importance of small ideas, and the trade-offs involved in rapid growth. They delve into business scaling, customer retention, and the significance of creating a robust company culture. Listeners will walk away with actionable strategies for scaling a business, the importance of perseverance, and the value of focusing on sales efficiency.Connect with Andrew: https://www.linkedin.com/in/andrewfilar/Connect with Chelsea and Donovan:Website: www.ethoseffectpodcast.comInstagram: https://www.instagram.com/ethoseffectpodcast/Chelsea: https://www.linkedin.com/in/chelsea-whalley-8508a192/Donovan: https://www.linkedin.com/in/donovanryckis/#SmartScaling #GrowthMindset #BusinessSuccess #ScaleUpStrategies #ResourceManagement #StartupGrowth #Entrepreneurship #BusinessExpansion #LeadershipDevelopment

Have you ever wondered what it takes to build a multi-million dollar business from scratch? Tune into this episode, where Andrew Filar shares his incredible journey from State Farm to founding his own successful agency, Peachy Insurance. Join hosts Donovan and Chelsea Ryckis as they explore Andrew's insights on hard work, the importance of small ideas, and the trade-offs involved in rapid growth. They delve into business scaling, customer retention, and the significance of creating a robust company culture. Listeners will walk away with actionable strategies for scaling a business, the importance of perseverance, and the value of focusing on sales efficiency. Connect with Andrew: https://www.linkedin.com/in/andrewfilar/ Connect with Chelsea and Donovan: Website: www.ethoseffectpodcast.com Instagram: https://www.instagram.com/ethoseffectpodcast/ Chelsea: https://www.linkedin.com/in/chelsea-whalley-8508a192/ Donovan: https://www.linkedin.com/in/donovanryckis/ #SmartScaling #GrowthMindset #BusinessSuccess #ScaleUpStrategies #ResourceManagement #StartupGrowth #Entrepreneurship #BusinessExpansion #LeadershipDevelopment

20. Use Debt as a Tool: A Lesson in Business Growth and Acquisition

For decades, employers have been fed a lie: “There’s nothing you can do to control healthcare costs.” This couldn’t be further from the truth. The system is doing exactly what it was designed to do—profit off of HR, CFOs, and CEOs who believe that lie year after year.With 180 million Americans relying on employer-sponsored healthcare, it’s time to challenge the status quo. The Business of Benefits is your No BS, No Sales guide to the real solutions. No gimmicks—just the truth about how to take control, transform your benefits, and care for your most valuable asset: your people.Each episode dives deep into the data, exposing industry misalignments and inefficiencies that inflate costs while offering actionable strategies for designing financially sustainable, high-value benefits.Through eye-opening interviews with industry insiders, expert analysis, and real-world success stories, hosts Donovan and Chelsea pull back the curtain on the hidden flaws in the healthcare system. The result? An empowering roadmap for employers ready to break free from outdated models and unlock smarter, more sustainable benefits.If you’re tired of the same old sales pitch and ready to rethink benefits, reduce costs, and improve care—this podcast is for you. The truth is out there—are you ready to hear it?

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20. Use Debt as a Tool: A Lesson in Business Growth and Acquisition

20. Use Debt as a Tool: A Lesson in Business Growth and Acquisition

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