Josh Stika shares his journey in the mortgage industry, from starting as an employee to becoming a business owner. He emphasizes the importance of attracting and retaining top talent in a competitive market. Josh also provides advice for aspiring entrepreneurs.

Takeaways:

- Starting a business requires courage and taking the first step.

- Attracting top talent involves being forward-looking, paying well, and offering paths for growth and equity.

- Retaining top talent requires creating an environment that supports growth and showing care for employees and their families.

- Entrepreneurship is a learning process, and mistakes are not fatal.