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Financial Fitness For Fitness Pros with Billy Hofacker
On this episode, I sit down with my good friend, Billy Hofacker as we talk about Financial Fitness for Fit Pros. This episode is super important, especially for those who are at a place in their business where they’re making money and they’re bringing in a good revenue stream and at some point, you’re trying to figure out, “What do I do with this money? How do I invest this money?” or if you’re in debt, “What do I do with this money? How do I get out of this money and how do I pay off my debt?” Billy came up with some amazing strategies that helped him and his wife get out of over a six-figure debt that wasn’t business-related. It was all loans and different credit cards and just the importance of understanding your financial fitness plan like you have an actual fitness plan as well. Enjoy the episode.
Billy, welcome to the show. How are you?
I’m good. What’s going on?
I’m loving life in Texas. I wanted to kick things off with some rapid-fire questions so that my audience can get to know you and you get to know my audience. My first question is, what is your favorite quote?
I’m a big quote guy like a lot of your guest, I’m sure. I can’t think of a favorite quote, but I’m going to share a quote that I read. It’s, “Every saint has a past and every sinner has a future.” What that says to me is we can change. No matter what your past looks like, your future can be different. That’s my favorite quote for the day.
What’s one of your superpowers?
I would say probably my focus. I’m not taking no for an answer. This goes back a long time for me. I figure out a way to get through things. It could be a combination of the struggles I’ve experienced or the way I’m wired. When I set my mind to something, I go all in. There are probably some negatives to that as well, but it’s served me pretty well as you’ll hear in some of what we’ll talk about.
What are your three favorite books?
These are outside of my number one book, which is The Good Book. Other than that, I would say the book that I’ve read the most and I enjoy every time is a Jim Collins’s Good to Great. Another book that has made one of the biggest impacts in my business is Traction by Gino Wickman. Another book that I’ll share is it has to do with leadership, but it’s more to do with the internal side. This guy Peter Scazzero. It’s based on the idea that you can’t give what you don’t possess. A lot of it is focusing on the internal aspects of leadership, it’s called The Emotionally Healthy Leader. All three of those books were the top of my list.
What’s one of your greatest lifetime achievements?
I would say, not to sound cheesy, my marriage. We’ve got three beautiful girls. I’m super blessed because sometimes I feel like I don’t deserve my wife and she’s great and I’m proud of having the marriage we have.
What are you grateful for?
I’m grateful for getting up, being alive and being able to live my purpose. Nothing excites me more than that. That’s what I’m grateful for.
I want to dive right in and I want to talk about Financial Fitness for Fit Pros. Before we dive into what that is and how you arrived there, I want to go back and talk about the backstory of what led you to discover what you discovered and the system that you have. Give us a little bit about your backstory of what led to this and your backstory in fitness as a business owner?
I’ve been in the fitness industry in one capacity or another for many years. I don’t know how that happened, but it did. A few years ago, I was getting ready for work. I had started my current business which at the time was team training. I was also a professional martial artist at the time. I was getting ready for work. It was a Monday morning. I was married at the time. There was a knock on my door. It was 7:00 AM. I opened the door and there’s this big burly guy with tattoos everywhere. He’s got earrings all over his face. I look outside and my brand-new leased car was hooked up to his tow truck. I realized my car had been repossessed. It hit me hard because I didn’t realize that I was in the position that I was. I thought things were okay. I did what a lot of people do and I swept stuff under the road.
After that traumatic day, I did some research on my finances and I realized that we were in a world of trouble. We were behind on our mortgage for several months. We are about to lose our house. We had way north of six figures of non-mortgage debt. We had piles of debt. Both my wife and I had student loans. We had medical bills. We had credit card debt. We had car debt. We had loans with family members and loans with friends. When you think of debt, we had it. That was the start of the journey which ultimately became Financial Freedom for Health and Fitness Pros. That’s where we were. It wasn’t pretty, it wasn’t fun and it was difficult on our marriage. We’re newly married, starting a family and not the ideal place to start. We’re so behind the eight ball. That’s where we were and that’s how it started.
There’s a lot to unpack there. I’m going to unpack some of this, so we go even a little bit deeper. From year one to year eight for most Fit Pros, I’ve been in that same shoe. They don’t prep us for business, certifications, schools. It’s a degree in science and anatomy and physiology. It’s not a degree in the fitness business. For you, what were some of the things that were happening in those eight years that led to that moment at 7:00 AM where you opened that door and your car was on the truck? What led to that? What were you not seeing or keeping attention to that led to that point?
Here’s the crazy thing and for the audience, do you ever wake up one day and you’re like, “What am I doing? What am I thinking?” I’m sure we’ve all been there and I almost wish I could say, “This one thing that I did that screwed me all up. It was death by a thousand cuts.” It was a combination of every poor financial decision you could make. We bought things that we couldn’t afford. The weird thing to me was that nobody would have known. We did not have flashy things. That car that got towed was a Honda Accord. It’s not the car that you might expect somebody that’s drowning in debt that’s being foolish with their money. My point is it wasn’t a luxury car. It wasn’t anything crazy. It was a $350 a month that I didn’t have going towards that. It was little by little. It’s insidious. I feel stupid. I’m not an idiot.No matter what your past looks like, your future can be different. Click To Tweet
There are so much to it. There’s probably what we call over here “stinking thinking.” There’s this mindset of this is how life is. There are false views about money. There are probably self-esteem issues. There’s definitely a lack of education, lack of knowledge and lack of discipline in that area. Here’s the big one that people don’t like to hear, but it’s the lack of maturity. If you’re drowning in debt, but you’re still buying a brand-new car and everything else, you’re like my three-year-old that wants all the Barbie’s and there’s no concern about how much they are. That’s normal for a three-year-old, but it’s not normal for a 31-year-old and that’s unfortunately where I was.
For the new gym owner, a personal trainer who has the facility or just about to get into a facility, is there one or two things you would’ve done differently looking back at it?
You and I were at the Traffic & Conversion Summit. They talked about being polarizing. Here’s me living that out. If you’re starting your business, avoid debt. Do not take out a loan to start your business. You do not have to. Here’s the proof, I didn’t. All the things that I’m talking about where previous debt. They were personal things. That debt I’m referring to was not from opening a gym. It’s from all types of other stuff. When I opened my gym, the silver lining was I learned a very hard lesson about debt. I committed at that point that I was going to do whatever it took to become “successful” without taking debt.
That’s my advice because we hear about all the upsides. You have to be able to have risk tolerance and you have to take chances. All that is true, but when you’re starting out and if you don’t have a proven model, you don’t have systems in place, you have a lot to learn. It’s not wise to start with a ton of debt before you get going. You might hear, “I know a guy that took out a loan and now he’s a millionaire.” That’s one guy, but how many other guys and gals are there that have the reverse story? They took out a loan and they totally screwed themselves and they can never live their dream. Think about that.
If I wasn’t going to take out a loan, how do I buy equipment to open up my place? Are there other things I could do instead of getting a loan and starting off in debt? What are some strategies behind that?
It’s like the power of broke. If you don’t have the options then what would you do? The problem is because people can borrow money, then they do. What happens if you couldn’t do that? What happens if you cut off that option? What would you do? You probably would realize that you would build a more sustainable business because you would do it from the ground up, building a solid foundation that’s built on solid principles. You would probably do something earth-shattering and unpopular and that’s saving the money to do it. If you are going to be able to pay the loan back, why couldn’t you just save the money and buy what you wanted to buy? When I started my facility, we started with no equipment. We had some jump ropes, we have some dumbbells and we have some med balls. That’s how we started and we grew into it. As we started making a profit, we put more money in. Even now, we don’t have fancy machines, but we have all the equipment that we need.
It took a little bit longer, but I didn’t have the stress of worrying about debt hanging over my head and noose around my neck. You can save your money and you could start off slow. I started with a sublease and worked my way up until I had enough money to get my own place. A lot of people are just not willing to put in the time but what happens when you take a little bit of a slower approach is that you learn a lot. I heard another great quote, “Getting older doesn’t guarantee that you’ll become wiser, but you can’t become wiser without getting older.” There are so much of a learning curve with running a business and there are a lot of benefits to doing it in a slower way. You don’t need a huge facility. You don’t need a ton of fancy equipment. You’re not going to be able to compete with the big box clubs that have all that stuff anyway. You might as well differentiate yourself and be the person that’s known for something else like a strong culture, somebody who produces results or somebody who creates happiness in their customers and clients. Paying attention to those areas and you’ll have all the money you need over time.
I want to flash forward to what happened when that door opened. The car is on the truck, you have this moment like, “What is happening?” What happens next? How do you start figuring out how to get out of debt? What was that first step?
The first step is probably the same as the first step in any major change and any big goal, it was to make that decision. My wife and I were at a point where we were losing hope. We were at a point where, “What are we going to do here?” We were in a big hole. We didn’t see a lot of daylight, but we’re still pretty young, thankfully. We had to make a decision. We had to say this is it. I know we had it. We’re not going to live like this anymore. There’s a better way and we are going to find that way. We started having conversations and started working on our vision. What was it that we wanted to see happen in the very near future like getting our car back and in the longer term?
I still have those original notebooks that we scribbled in, talking about what we’re going to be doing. Where we’re going to be financially? Where our family was going to be? The values that we’re going to live by, the ways we would create memories and all those things. We started with that vision because without a vision, without having a crystal-clear picture of where you want to be, you’re not going to be able to do the little things that are needed to be done each day to accomplish anything worthwhile. There needs to be direction and without that vision, there’s not going to be a direction. That was the first step.Getting older doesn't guarantee that you'll become wiser, but you can't become wiser without getting older. Click To Tweet
I guess the question to ask before the vision is that conversation between you and your wife. What we know is money is a huge issue when it comes to marriages and divorce. It’s one of those big hot topics. How did you two work that out, where it was like, “We’re doing this together. I know we’re six figures in debt, but we’re going to stick this through?” How did you not say, “We’re done, I’m done with this and we’re going on a separate direction?” What was that conversation like?
Honestly, you almost bring a tear to my eye because when I think back, there was that decision. The good news is that we were committed to not going that route. With that said, we had a lot of issues over it. It creates a ton of stress. We could not talk about money without arguing and it’s easy to ignore it or avoid it and end up with bigger problems. We weren’t perfect. We fought a ton and it wasn’t fun. The biggest thing that we learned is that we all have different use of money. We were all taught different ways to look at it. We have different insecurities. Men and women usually relate to money very differently. I am probably very solution-oriented. I’m like, “This is the problem. We’ve got to fix it.” To a lot of women and men too, I hope I don’t sound pigeonholing people where one of the spouses is maybe more emotionally tied to it, maybe there is more insecurity, there’s a feeling of lack of control. Those things all have to be worked out. There was a lot of conversations and it’s easy, especially when that stress is so high.
It’s easy to get short with each other. When I had to start doing that, it humbled me because first of all, how did they get in such a mess? I had to acknowledge the fact that I screwed up and that my wife didn’t sign up for. That’s not the vision she had when she was a little girl. We had to understand where each other was coming from and figure out our different roles moving forward. Who was going to do what? I guess the big issue with marriages is that nobody’s in charge or one person has to be in charge. You have the wife that gives her husband money and then he gives an allowance, or you’ve got a husband that doesn’t want the wife buying anything. We need to get on the same page. A lot of what we do flows out of the marriage. If we can get on the same page, because I coach a lot of other Fitness Pros with their finances and that’s a big issue to tackle is getting on the same page with your spouse. I do have some tips that I can share.
Most of the audience are business owners and hopefully, they have some systems in place for their business. If you have a marketing person or a trainer or whoever it is and whatever department they’re in, you probably have communication with them. You probably have a system where you talk about your KPIs and your objectives and all that. We don’t do that in our marriage. I would argue a much more important relationship and we don’t have that same strong structure in place. This goes for single and couples too in a different way. If you’re married, there needs to be ongoing communication. As a starting point, there needs to be a monthly meeting where you discuss all of the components of your finances. Where you’re at? What needs to be paid? What expenses are coming up? Somebody needs to be putting together a spending plan because just like with our fitness, if we don’t have a plan, we are going to fail. It’s the same thing with the finance.
There needs to be some plan that needs to be worked through together. Having those meetings, touching base on a monthly basis to start as a minimum. There are ways to do that. The other is talking to each other about bigger purchases. I can’t tell you how many problems start because one of them just go and buy a car. It sounds obvious but I didn’t do it. I was well over $100,000 in debt, but it didn’t stop me from spending somewhere between $600 and $800 a month on a private Jiu-jitsu lessons. You think I was a complete moron and I was. How would I do that? I was talking to my wife about it. I want to do it so I’m going to do it, but there’s another person involved. It’s not fair.
I know that’s a touchy subject, I appreciate you sharing that. That’s a big take-home message is that relationships between husband and wife or partner is when you’re talking money and finances, that conversation, especially if the value placed on money is different, it creates a lot of tension. Once you two decided, “We’re in this. We’re doing this. Here’s our vision.” How did you start tackling $100,000 debt? Where did you start? Can you talk about that a little bit? What’s that first like, “This is the debt we’re going to start paying off. This is the first piece of that as we chip away at the six figures?”
One of the things we had to do almost even before getting to paying on the debt was we had to do what I call, “Take inventory.” We want to figure out like the clients that come in. They want to get in shape. They want to lose weight, but it’s like, “Let’s get a baseline. It doesn’t have to be your weight. Let’s get a movement screen. Let’s see where you’re starting so that we can measure progress.” That’s what we did on that. We filled out our basic inventory of know what we owned, what we owed and how much cash we had. We got an idea of where we were. Here’s one thing I’ll share to encourage anybody who is in a similar boat or even not. When we put it all out on paper, surprisingly as bad as it was and it was bad, it wasn’t quite as bad as we expected. It’s like a client, “I have a lot of weight to lose.” How much weight do you have to lose? “50 pounds.” That’s a lot of weight. I can wrap my head around that, it’s 50 pounds. I want to start setting my first goal. I want to lose five pounds. I want to lose ten pounds.
“I lost ten pounds. I just need to do that four more times and I’m down 50 pounds.” You start to grasp where you are and some of the things that you need to do to get to where you want to get. That was one of the first steps. We ultimately had to start paying down debt, but there were some other factors where we need to check ourselves. Once we did our inventory, it was like, “What can we start cutting?” It’s like stopping the leak. When you have a leak in your pipe, what’s the first step? We’ve got to stop that leak. We needed to stop getting into more debt. I would say before we even started paying down our debt, we had to say, “We’ve got to get rid of my credit cards because these things are the devil for us.” We have to stop taking on more debt. I don’t care. It’s that concept of limit. You place that limit on yourself and you’ll make it work. “What do I do? I don’t have the money.” What would you do if you didn’t have a choice? You would figure it out.
You would get another client or you would sell something, or you would do something to make sure that you are able to eat. We had to take care of ourselves and feed ourselves and shelter and all that stuff. We were pretty extreme. We went down to one car and we had our first kid, and we were sharing one car with one of us owning it. My wife worked as well in the early stages. We shared a car and we had all this stuff going on, but it was a sacrifice. We cut out our cable. We cut out things that a lot of people aren’t willing to cut out. That’s another principle. What are you willing to give up? There’s always a sacrifice and now there are things I’m not willing to sacrifice. I have three little girls. If my business doesn’t grow as fast, but I get the time with my little girls, then I’m good with that.
At the time, it was these little things that I was willing to sacrifice because I wanted a different life. We did those things and when we started attacking debt, we did something called the debt snowball. A debt snowball is very counter-intuitive. Most financial experts teach that you should pay off your debts with the highest interest first. It makes mathematical sense. If you think about it, when we compare it to our clients, it’s the equivalent of a client that’s starting to take a vitamin. What’s the first thing I do? I take a vitamin because it’s an easy thing to do. It’s the low hanging fruit and it will give you a sense of accomplishment.Without vision, there's going to be no direction Click To Tweet
It will give you that feeling that you’re on the right track to pat yourself on the back and you start moving forward. We all know that any success or any great achievement is the result of the little things. We started paying off our smaller debts first. We didn’t look at the interest, we looked at the dollar amount and we started paying off the smaller ones first. If you wished out all of your debts, let’s say you have five debts. You have a student loan, you have medical bills and you take the smallest one. Let’s say it’s a $40 debt, but it has a $10 minimum payment. You pay down the $40 debt and then you take the minimum payment from that debt that is now paid off and you put it towards the next smallest debt. You’re working your way down the list.
It’s like anything else. When you started working out, that progress might feel slow, but once you start coming, they’re like, “I’m dropping sizes. I’m losing weight.” That’s what happens with this because over time you start paying off of the smaller debts and now every minimum payment from all of those debts get rolled into that next payment. My wife and I worked on this thing for five years and the very last payment was a $32,000 debt. That was the last one we had. We paid it off in less than a year because we had such a snowball built up from all those other debts that we were throwing so much money at. I remember the day we paid off that last debt, it was a weird feeling.
Share with us, what was that feeling?
Honestly, it was so weird. On one level it felt amazing because we’ve set this goal and we reached it together as a team. Our family was going to be better for it and we had more options and we were doing it, but on the other side, it was a little bit of a letdown. It’s so strange. I need to check on some of the mental wards. I was like, “Why am I feeling disappointed? I have no more debt?” That was our life. A lot of our conversations were carried around that. That’s another tip is just enjoy the journey and enjoy the process because while life got better, my problems were still there. It didn’t make life perfect.
I just had other things that I had to deal with. One thing I thought was don’t make the mistake of thinking that happiness is a destination because it’s not. We know that happiness is right where you are. It’s deciding to be happy with what you have. You asked me what I was grateful for. There are tons of things we all can be grateful for, whether we have debt or not because if not debt, we have other problems. I have never met anybody that doesn’t have problems. It’s realizing that we’re all on a journey. We’re all in our own path. Don’t compare yourself with others. Be the best you and stay on your path.
It took five years to get out of that debt. In those five years, what were you realizing that most Fit Pros, as far as getting the ones that work that they didn’t have a financial fitness plan? What do you realize with the people you work with and consult with? What are some of the challenges you see in their business that’s putting them in a situation where they could end up where you were?
A lot of it is the mindset. I had one guy asking a question and it was mind-blowing. He said, “Is it possible to make it as a Fit Pro?” He was this regular guy, a normal guy and he was asking if it’s possible to make it as a Fit Pro. I was like, “Maybe he means can you be a multimillionaire?” I said, “Let me ask you to clarify. What do you mean by making it?” He said, “Can I be a Fit Pro but also be able to live, be able to pay my basic expenses for my family?” That was eye-opening to me that he genuinely wasn’t sure that he could make it as a Fit Pro. That was one of the first things that come to mind when you asked me about what are the main problems I see with Fit Pros. I don’t know that you will hear that from a lot of other fields. Would an accountant say, “Can you make it as an accountant?” Probably not. It’s treating yourself like the professional that you are. You’re a life changer. You’re hopefully the best part of people’s day. You are helping them realize things that they can do that they never realized. They’re transforming their bodies, their health is improving and you’re doing all these things, but then wonder if you could make it. The other thing is that both on the personal side and the business side, they’re not treating things like a business.
Personally, we need to treat ourselves like a business. What I mean by that is, are you scrutinizing your expenses or are you buying whatever you want? Are you planning things? Are you projecting? Are you saying, “How is this month going to look? What are my goals?” Do you have goals or do you have financial goals? If you don’t have financial goals, then you’re headed for trouble. You need to have financial goals. Finances are important. I don’t care what you’ve been taught or what you believe. Finances are important. They pour over into every other area of our lives. Everything from relationships through our faith, through our careers, how we view the world. It goes into every area. Treating your personal finances like a good business is a big mistake. On the business side, it’s the same thing. Do you have a plan? Are you going to become a $200,000 business, a $400,000 business or $500,000 business? Whatever the goal you have for yourself, are you going to do that without a financial plan? Probably not. It’s using those numbers. Most Fit Pros don’t know how to look at a financial report. They don’t know what it means. They’re not even doing it. They’re not budgeting or projecting anything. Their actions aren’t aligned with their goals. They don’t even have goals. These are tons of mistakes they’re making.
If you are uncovering all this and now we have Financial Fitness for Fit Pros, talk to us about that. That is the system, the program you created to help Fit Pros how to financially create a plan. Can you talk to us a little bit about the system? What is it that you do? How do you work with Fit Pros?
There are two programs that would help Fit Pros. One is purely on the financial side, which is what you’re talking about. It’s the Financial Freedom for Health and Fit Pros. It’s an eight-week course where I take you through the exact process that I used to not only pay down over $100,000 in debt but to find that freedom, to have more options and more margin and to not have to be worried about that guy that asked me, “Can I actually make it?” The course is designed to take you from where you are, whether you have debt as I did or not, to where you want to be. The results have been absolutely amazing. People are paying down debt. People are having a plan and having a goal. They are getting what they wanted, maybe a nice facility that they have the equipment on. That stuff is all fine, but you have to do it a certain way. That’s the Financial Freedom course. It’s an eight-week course. There’s accountability, there’s coaching and there’s the actual information that people need to learn to get to where you want to get.Any great achievement is the result of the little things. Click To Tweet
You mentioned the second piece, what’s the second piece?
The second piece is called the Small Facility System. It’s basically my playbook that’s laid out for trainers. It’s zip code-specific so that we wouldn’t have two people with the same zip code both having that program because we want you to have a competitive advantage. It’s how I started and developed a successful facility without debt and with a small footprint model. I have two facilities here in Long Island, super competitive market and that’s our whole playbook. Everything from building the culture, to sales training, to marketing and all these different areas. There are a lot of different modules that you would go through. It’s called the Small Facility System.
I know you’re about ready to release that. Can you give us one or two nuggets from that system that somebody can take away from this conversation and go apply?
I’m going to address based on people that haven’t gone through it. One of the things is tracking. There is a lot in there about what to track and how we track it. You have to know your numbers. A lot of people say they’re doing this, but they’re not. How many leads did you get? Do you know that? As the business owner, you should. What were the sources? Out of those leads, how many of them converted to that next step, which was maybe an appointment with you or some front-end offer? How many of them got to that next step? Out of those people, how many of them showed up? Out of the ones that showed up, how many of them became ongoing clients? What happened with the ones that didn’t convert? What you’re doing with all that stuff and how you’re tracking it has been a game-changer for a lot of people. I have a very simple method in there on how to break that down.
Another one is sales. We’ve developed a system that’s super successful in selling. It’s selling in a way that is serving. It’s how we can get people who are interested to become long-term paying happy clients through a specific sales process. There are modules on that. There are even live videos of us going through with people in how you could do that. Which questions to ask, how to know the needs of the client and how to fill those needs. It’s a very simple approach that anybody can do with a little bit of practice that will dramatically improve the conversion rate. We know that there’s so much power in improving some of those numbers. A lot of times we lose sight of that. Let’s say you’re at 60% closing rate, which is great. What happens if you could pump that up to 70%, 80%, 90%? Think about what that would do for your business. There are also other areas like how to get more leads? It’s a very much an all-encompassing program.If you don't have financial goals, then you're headed for trouble. Click To Tweet
If someone is interested in finding more about it, where can they reach you at? Where can they find you at?
If you want to reach out to me directly, just hit me up on Facebook. It’s Billy Hofacker or William Hofacker. As far as the website for the Small Facility System, it’s SmallFitnessFacility.com. They can check that out. The program is opening up real soon. If you have any questions, you can reach out. Check out YourFitnessMoneyCoach.com and you can take a little assessment that I created to see where you’re at with your finances at the moment, and then we figure out some next steps for you.
If somebody wants to get in touch with you on social media, how can they find you there?
Mostly on Facebook. That’s probably the best place.
I appreciate you taking the time for coming on. I love this content because I feel it’s so important with Fit Pros who are questioning, “Can I make it in this industry?” We now know you can. Here are the systems and here are the programs that are going to help you get there. I’m super grateful that you are leading this and you’ve put together these two programs to help our industry level up and help Fit Pros follow their dreams and achieve their goals of owning and running their own healthy business personally and professionally.
I’m also grateful for the platform that you gave me here. I appreciate the opportunity. I look forward to your event and I look forward to connecting. We’re all in this together. That’s what I love about the industry. There are lots of great people and we’re all trying to figure out things as we go. If I can share what I learned and help people, I’m honored to be able to do that.
We’ll be in touch and we will chat soon. I hope you enjoyed this episode. Take care.
- Billy Hofacker
- The Good Book
- Good to Great
- The Emotionally Healthy Leader
- Traffic & Conversion Summit
- Billy Hofacker on Facebook
- Financial Freedom for Health and Fitness Pros
- Small Facility System
About Billy Hofacker
Billy Hofacker has worked with hundreds of clients helping them get fit, tone up, and feel better about themselves. A 20 year veteran of the fitness industry, Billy owns and operates Total Body Boot Camp and Performance Center, which has locations in Farmingdale and Babylon, NY. He is the author of Lose Weight and Feels Great. Billy is considered a thought leader, especially in the areas of habit and behavior change, nutrition coaching and corporate wellness. Outside of his passion for helping busy people lose weight, Billy is a black belt in Brazilian Jiu-jitsu and is active in his local church. Billy and his wife Melissa live on Long Island NY with their two daughters. Billy is now passionate about helping fitness professionals win with their personal finances.