Matt Sapaula is a Marine veteran, agency builder, bestselling author, and one of the most decorated leaders in financial services. He was the right-hand man and chief distribution officer to Patrick Bet-David during PHP's nine-figure exit. Today he leads over 5,000 agents and runs the Money Smart movement.

In this episode of The Closers Podcast, host Ajay sits down with Matt to cover the full arc of his journey. From bankruptcy and divorce at 22, to three jobs while building his insurance practice, to cracking 100K per month inside 37 months at PHP. They dig into his recruiting philosophy, how he builds duplication into his leadership model, why he recruits the spouse and the kids not just the candidate, how he thinks about delayed gratification and financial discipline, and what legacy actually means to him after 27 years in the game.

If you are in sales, recruiting, or building any kind of team-based business, this one is loaded with frameworks you can apply immediately.