Chris Casseday always loved collecting shoes. Not just shoes in general, but really, really nice sneakers. Twenty years ago, he began selling collectible sneakers on eBay. As his experience and sales volume grew, he founded 513 Kicks. Since 2017, Chris has managed 513 Kicks solo while working full-time as a Director of Operations. For Chris, selling sneakers isn’t just a hobby. It’s a fun — and profitable — side hustle.
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Episode 02 – Chris Casseday, 513 Kicks
[00:00:55] Sanjay Parekh: Chris Casseday always loved collecting shoes. Not just shoes in general, but really, really nice sneakers. Twenty years ago, he began selling collectible sneakers on eBay. As his experience and sales volume grew, he founded his company, 513 Kicks.
Since 2017, Chris has managed 513 Kicks in addition to working a full-time job as a Director of Operations. For Chris, this is a true side hustle. Here today, to share more about his business, and teach us more about the shoe-collecting world, is Chris Casseday. Chris, welcome to the show!
[00:01:30] Chris Casseday: Hey, happy to be here. Anytime I can talk about shoes, I'm in a good spot.
[00:01:34] Sanjay Parekh: I'm excited to talk to you about this because I don't think we've had anybody on the show yet that has talked about shoes and collecting shoes and selling shoes. But before we get into the shoe stuff, talk to us a little bit about your background and give us a couple of minutes on how you got to where you are now.
[00:01:51] Chris Casseday: Yeah, of course. 513 is Cincinnati's area code. Coincidentally, born and raised in Cincinnati my whole life. Big Bengals fan, which is good. Went to school here, went to the University of Cincinnati for marketing. Personally, I'm married. I have three young kids all under 10. So, it keeps me busy in addition to the full-time job and the side hustle. Generally speaking, I just have always had a passion for business and creating things that I can control and manage myself and helping other people do the same thing.
[00:02:29] Sanjay Parekh: Your kids have always known you selling sneakers because in the intro I said that you've been doing this for 20 years. Your kids are 10 years old. Is that what you said? The oldest. So, they've always known you doing this.
[00:02:42] Chris Casseday: Correct. Yeah. I would say most people that know me connect me with sneakers in some way and yes, I have recruited my kids to help, box some things up and drop it off at UPS or something. So, it's fun. It's fun for them too.
[00:02:56] Sanjay Parekh: That's the best way to launch a business because you get free manual labor there. That's good stuff. I’ve got to ask you before I get into some of the other questions, are you wearing a pair of sneakers right now? And if so, which ones?
[00:03:08] Chris Casseday: Yes, I'm wearing Air Max 90 white and infrared. It's like the most famous Air Max 90 model. You've probably seen them, everyone's probably seen them, you look at them. So great classic model.
[00:03:23] Sanjay Parekh: Yeah. So, was this your first ever entrepreneurial venture doing these shoes or did you have something even younger? What was your first thing that you did, entrepreneurial?
[00:03:36] Chris Casseday: I would say this is it, this is the first one. Obviously, it's grown over the years, which we'll obviously talk about, but I started selling shoes online when I was 10 years old, which is quite a while ago. So, there really wasn't much time for there to be something before that.
[00:03:56] Sanjay Parekh: Yeah. When you started doing this online, were you also selling to like other kids in school or anything else like that?
[00:04:04] Chris Casseday: Not really, just because mostly when you're 10, you don't really, at least the kids around me didn't care what they were wearing. because they were more concerned with like video games or something. There wasn't a strong market there. The kids didn't have the budget to support it. So, I had to go outwards and, break into the internet realm for sure.
[00:04:25] Sanjay Parekh: Yeah. So, before you started this though, was there anybody else in the family that was an entrepreneur that you got to watch and see how they did things?
[00:04:34] Chris Casseday: Not really. My mom had an interior design type of business on the side. But nothing that, I didn't really like use that as like a motivation or something. When I think back at it, I'm like, oh, that makes sense. And we still have that bond where we'll talk about it and like bouncing off of each other. But at the time it was just like, I like shoes, I think I can make money selling them. Let's try it.
[00:05:00] Sanjay Parekh: So, when you started, was there like you were just selling on eBay, you didn't actually have a company or anything else. Was there anybody helping you with kind of the mechanics of doing all of this stuff? I'm sure somebody was driving you to wherever to ship this stuff.
[00:05:15] Chris Casseday: Yeah. My dad, I needed him for a few things because, as a 10-year-old, you can't have an eBay account, you can't have a bank account tied to it. So, I was like, hey, just trust me. And then of course, this was 25 plus years ago, like the idea of selling things online, not a real thing for the normal person. Yeah, I definitely had to beg him to take me to the mall to buy inventory and then drop it off. But when he saw the numbers, he got on board with it pretty fast.
[00:05:47] Sanjay Parekh: So back in those days you were going to the mall to buy inventory. What about now? Where do you get your inventory from now?
[00:05:54] Chris Casseday: Comes from two places primarily. One is online, so I've got my process down in where I can source in bulk from normal websites that anyone can go to, but you have to pick your spots and know what's profitable and you can sell it in other places for more. And then as a result of me doing this for two and a half decades, I've got a strong base of people here locally or somewhere close that know me. So, they will bring me inventory in exchange for money, or I'll sell it in some sort of consignment fashion too. So, it's a good balance of always having a steady flow of stuff to sell.
[00:06:31] Sanjay Parekh: So why is it that you think that there's still, there's this idea of hey, once everything's online, price awareness happens for everybody. That there shouldn't be the opportunity for arbitrage. That's essentially what you're doing, right? You're just buying and selling. You don't make any of the shoes. So, you're just figuring out what's going to sell and marketing it the right way. Why do you think that's still an opportunity for somebody like you? Whereas, like in economics theory, it should be like, price discovery. It should be easy to find out what the real price is, and everybody pays the best price.
[00:07:05] Chris Casseday: Correct. Yeah, I think convenience is a huge factor. Simply put, shoes is a good example. One pair of shoes might sell on Amazon for $200. They might sell the exact same thing on eBay for $150. And that same pair of shoes might sell on a sneaker app like StockX or something for $100. And the velocity might be 10 times higher on Amazon at a higher price too, because people have been ingrained to use Amazon. It's convenience, it's fast, it's free shipping, but they're just buying because it's quick and easy and they know it. Versus doing research and seeing if it can be found cheaper. So, convenience is a huge factor.
[00:07:46] Sanjay Parekh: Yeah. Yeah, that's interesting. Okay, you've been doing this as a side hustle, you're still doing this as a side hustle. How much time is this actually taking you compared to the full-time job? I'm assuming your regular job is a full-time job.
[00:08:01] Chris Casseday: Yeah. Regular job, full-time job. Definitely working, 40 plus hours a week, probably more. Which is fine, and then the side hustle, I would say on average probably about five hours a week. Some weeks, just got done with the Christmas rush. I was definitely working more. Getting pairs shipped out. Cause I do a lot of the fulfillment myself right now. So, there's that. There's some weeks where it's less. So, on average about five hours a week.
[00:08:32] Sanjay Parekh: Yeah. And the place that you work, they're supportive of you having a side hustle and know that you have a side hustle.
[00:08:39] Chris Casseday: Yeah, one of our values is flexibility. So, like we don't have a nine to five sit at your desk. Like we work remotely. We get our things done; we have KPIs. I'm running a multi-million-dollar marketing agency as my full-time gig with good success. We have happy clients, great team, but then also running the side hustle that I've been running for 20-plus years at the same time.
[00:09:03] Sanjay Parekh: Has the experience of the full-time job and being in marketing helped with 513 Kicks?
[00:09:11] Chris Casseday: I definitely think there's ways that it helps, but also ways that things that I've learned for 513 Kicks has helped what I do for our clients. Because a lot of the clients that we work with are entrepreneurs and building their own law firm and hanging their own shingle. They're not working at like a law firm with 500 people. They're like them and a secretary, so the idea of building something yourself, which is something that's core to me, plays really naturally there. So, there's definitely a crossover.
[00:09:41] Sanjay Parekh: Yeah. Yeah. That's interesting. One of the things that I find interesting, and I don't think we talk about so much is the fear of doing these things. And I think all entrepreneurs have some fear of something although it's never portrayed that way in the media. So, I always like to ask this: What scares you about this business? What has scared you? What does still scare you?
[00:10:07] Chris Casseday: Yeah. I think the fact that it is a true side hustle, I think my fears are lessened. It's like my livelihood is not dependent on how many pairs of shoes I sell this week. It's nice, I do have some forgiveness there, you know? That doesn't mean that I'm not fearful on certain things. If I buy a bunch of inventory on a whim that I think I'm going to be able to triple my money in six months, there's some fear associated with that, but I usually don't make bad investments in those type of things because I've been doing it so long.
think the biggest fear or trap that you can fall into as an entrepreneur or someone that's like me in a side hustle is looking at what other people are doing, comparing yourself to that, and then that getting in your head too much and throwing you off course. Where it's oh, look how good they're doing. When you're only seeing half the picture, like you said, you're not seeing the struggles and you're not seeing the issues. You're only seeing the things they post, and it's like they, they've got it nailed and it's eh, check yourself sometimes and just think about how good you have it. And how much you've made progress over the years.
[00:11:19] Sanjay Parekh: Yeah. Nobody posts about the hot mess that's in the background. They only post the pretty things at the end. So, how do you think about that in terms of dealing with that and managing the things that you're worried about and the things that you're fearful of in the business?
[00:11:34] Chris Casseday: Yeah. I'm a big planner and like goals and, you know, what's my revenue goal? How am I going to get there, what do I need to change? What things do I need to work on now? For example, like I never sold on Amazon historically. In the last year I was like, I want to try it. There's so much velocity and volume there. How's it going to go? I don't know until I try. So, my goal is let's get that process going. It's going well so far. So, if you are measured and you have goals and processes in place, I think that helps mitigate a lot of this risk and anxiety around things that you can't control. You’ve just got to really own the things you can control.
[00:12:17] Sanjay Parekh: Yeah. As you've started this business you started out, just out of the house type of thing. You had inventory in the house, like how did you manage holding onto all of these boxes of shoes?
[00:12:30] Chris Casseday: Yeah, so when I was 10 and, still living at home obviously, I’d have stuff in my room or my closet. And then eventually it grew to I took over a big chunk of my parent's basement. And then when I got married to my lovely wife and we bought a house, I was like, hey, I need this one room in the basement. Is that cool? And then it was like, yeah. And then of course she...
[00:12:51] Sanjay Parekh: Did she know this before you got married? Or after you got married?
[00:12:53] Chris Casseday: Oh, she knew. She knew, yeah. It wasn't a surprise, like oh yeah, I have this side business. So, I paid for a big chunk of our wedding with shoe money, quote unquote. Also paid for like half of my college education with quote shoe money.
[00:13:10] Sanjay Parekh: That’s awesome.
[00:13:12] Chris Casseday: But yeah, so it's evolved from taking over portions of whatever residence I was in to now, I have storage unit, or units, full of inventory that I'm there multiple times per week, shipping out and fulfilling orders just because I can't keep a thousand plus pairs in my garage, just not possible.
[00:13:33] Sanjay Parekh: So how do you like, that feels daunting to me a little bit. How do you manage that inventory and keep track of where everything is?
[00:13:43] Chris Casseday: Yeah, so honestly, free and easy Google sheets. I've got a really refined template that I've continued to tweak over the last, feels like decade, right? But everything is listed, everything has a style number, everything has a size, condition. Does it come with a box, yes or no? Did I sell it? What did I pay for? What date did it sell? What platform? So, at any point I have a pulse on that. And then of course when it comes time to do taxes and stuff, I've got a quick dump out to mirror in, with other ways that I track revenue and profit. So, it's a free way, but why overcomplicate things, right? If you just need the data that you can trust, and not fly blindly with it. So, it's worked really well.
[00:14:29] Sanjay Parekh: Yeah. So, I've got to ask do you know what's the oldest pair of shoes that you're still hanging onto and how long ago did you buy them?
[00:14:36] Chris Casseday: I've definitely got some inventory that's a couple years old, which is fine. I definitely have pairs that I sell before they even arrive. It's about profit per pair that I look at and if there's things that I want to clear out, I can easily do that. But yeah, definitely got some older pairs, but sometimes it's intentional because the price over time goes up as supply and demand works its way out.
[00:15:01] Sanjay Parekh: Got it, got it. So, some of those might be that you actually haven't even listed them because you're just waiting for the demand to go up?
[00:15:07] Chris Casseday: Correct, yeah. With anything, something releases, there's going to be a flood of people trying to sell. And the market is going to adjust. Price is going to go down because availability's high. Flash forward six months from now. It's completely flipped and it's like I'll hold onto something for six months to make an extra 200 bucks or something, easy.
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[00:15:50] Sanjay Parekh: So, you've got these storage units. Obviously, you've built up inventory over time and you have probably a lot of money. You were saying a thousand pairs. If we're just taking a rough guess at what each pair is worth, a hundred bucks, 200 bucks, that's a lot of money that you've put into this which is unusual for what we're calling like a side hustle, but you've been doing it for so long. So how did you get to that point where you were able to build up that inventory? Was it you investing the money in or was it just reinvesting the profits from the business to get to that point?
[00:16:21] Chris Casseday: Lot of reinvesting, for sure. And like in my case, when I know what I'm buying and selling and it has a healthy margin and by healthy margin, like some pairs I sell, ROI is 200 plus percent, right? Some pairs not as much, but you can see where it's a working system. If you just pour more gas on that fire and say, instead of selling five pairs this week, I want to sell 55, I want to sell a hundred. Then that's where the profits and stuff start to really compound. And then it's like yeah, let's take that and buy another chunk, or buy someone's shoe collection for 10 grand and then turn it into 20 grand six months from now. It's not overnight by any means. I don't want to say that, but you have to get to that point, where you can start to have that ability to make those decisions fast, to make those big decisions to, to buy something and make that investment. Because then it's going to pay off tenfold down the line.
[00:17:21] Sanjay Parekh: Yeah. And since we're talking numbers, I'd love for you to share ballpark what revenue you make in a year, like last year, 2022. What are we talking about? Is this $10,000? Is it a million dollars? What is it?
[00:17:37] Chris Casseday: I wish it was a million. That'd be a nice side hustle. I would say, first, 2021 was a good year, at least I thought. And I, probably revenue wise was probably around 50. And then going into 2022, as I said, I wanted to try new things and really just not be afraid to grow. Which was my theme. I was like, let's just stop being afraid. If I get too big, then I got to worry about these things.
I was like, those are good things to worry about. So, I would say in 2022 I haven't tallied everything because I have multiple channels of revenue, but I'd be confident to say it's probably between 125 and 150 in revenue.
[00:18:19] Sanjay Parekh: Solid growth from 2021.
[00:18:22] Chris Casseday: Yeah. Oh yeah. Of all the years doing this, it's been my best year so far.
[00:18:27] Sanjay Parekh: Yeah. And for that on average, how much time do you spend on the side hustle?
[00:18:34] Chris Casseday: Probably five hours a week max. It fluctuates. But on average, if you were to extrapolate it for the year, probably five.
[00:18:41] Sanjay Parekh: Yeah. And I'm imagining those five hours a week for you, they're fun five hours a week, mostly.
[00:18:49] Chris Casseday: Yeah, for sure. Yeah. It doesn't feel like work, and it's been something I've literally been doing. Like I buy shoes for myself and my kids and my wife, so it's like, where does the line stop? It's hey, I want to buy those for my son, but if I buy 10 of those other pairs, I can sell them and pay for his and then some, so that's just how I approach it.
[00:19:08] Sanjay Parekh: Yeah, I love that. So, talking about family, how do you balance the stress and demands of owning this side hustle as well as family life and all of the things that requires?
[00:19:20] Chris Casseday: Yeah, I think boundaries are key. I think knowing when to shut off certain things and be all in on others is huge. So, I'm a big calendar person and time chunks and time blocks, which I know is nothing new. I didn't pioneer that by any means, but that helps me stay true to my routine and really know what my week is going to look like. So, when I leave work, when I get home, that's all-in family time. We've got basketball practice or whatever, but it's family time. I'm not doing shoe things or things for work like, and then once the kids are to bed, me and my wife are watching Netflix or hanging out. But then, wake up, start my new routine and follow my plan that I know has worked for me and I've adapted it to what works best.
[00:20:08] Sanjay Parekh: Yeah. How do you fit in exercise as a part of that routine and where do you fit that in?
[00:20:14] Chris Casseday: Yeah. Obviously, there's room for improvement there, just like anything else. But I will say what I've learned is that if that's the first thing I do when I wake up, it will get done more often than not. If I say, let's get it knocked out first before I open my phone and get distracted or start doing these things, it's like, let's just get that knocked out, and then it just sets the tone for the day.
[00:20:37] Sanjay Parekh: Yeah. Yeah. Great advice, before getting distracted. I know that's so easy to do, especially for me. But let's talk about a little bit of the marketing side of it. Your website, you've said you've got over 2,000 5-star reviews. What advice would you give to other business owners about running an e-commerce site and running it successfully to make sure that you get that level of engagement as well as reviews. Like a lot of people are happy, but they're not willing to leave the review either, right? So, you've got to complete the path all the way through. So how did you get there?
[00:21:12] Chris Casseday: Yeah, in this niche I know what the experience is like to buy a pair of shoes online and what it is to be the customer. So, my goal is to always let me do something different, to actually be memorable and wow them. I'm not going to wait two days to ship something. If you buy a pair of shoes right now, I'll probably stop at my storage unit on the way home and drop it off, so it's like when people leave a review, they're like, fastest shipping ever. And it's like, how did I get it tomorrow? It's like, are you Amazon? But it's the little things, where it's like the difference of me dropping it off today versus tomorrow at eight o'clock is at least one business day for them to receive it. Or more. Because it's going to sit at UPS or whatever for the whole day until it goes out at five o'clock. So that's the way that I think. I'm like, if I can do this one thing to add five minutes to my day, but it cuts the delivery time by two days, that's huge. I'm going to get a good review when I ship something, they get a business card, they get a little sneaker key chain or something that I paid 50 cents for, but people remember that. The little things like that just go a long way. And then also asking for reviews, right? Don't be scared. Hey, you like that pair of shoes? Great. Hey, can you leave a review for me on Google, or can you leave it on eBay? Or whatever it is. Just asking. If you don't ask, your chances of getting it are slim to none.
[00:22:37] Sanjay Parekh: Yeah. Yeah. People are busy. They're not going to think about you once they got their thing. I like that. So, let's talk about the systems. We talked a little bit about what you've got in place with Google Sheets and using those kinds of things. What other kind of technologies or apps or systems have you used to help you grow this business and manage it in the way that you do?
[00:22:58] Chris Casseday: Yeah. I think I rely heavily on process that I've developed, which is not like a fancy system or software. But I do have some software tools that are in my stack, if you will. So, there's a software called Keeper. It's Keeper Tax. You just hook your, it's similar to QuickBooks or something like that, but you hook your accounts up and then you can quickly classify via text message what buckets they go in. So, like I'll get a daily roll-up where it's like, here's 10 transactions from yesterday. You just put the numbers, and which go to which bucket, which one's a business expense, 1, 2, 7, and 8. Cool. So, then that is just like a quick way to stay on top of my books. Which is then I obviously have to spend more time on when it comes to tax time, but it streamlines a big thing as far as that goes, to make sure your expenses are going in the right bucket.
I also have a cross posting software that's free. It's called Flyp. It's a strange name, but when you list something on eBay with a few more clicks, I can list it on other marketplaces, which is huge, right? So, it's like Poshmark and Mercari and other places where people are spending time. And I've sold probably just through that, probably it added an additional $25,000 or $30,000 last year, just by implementing that quick thing.
[00:24:21] Sanjay Parekh: So, does it do the reverse? Because one of the challenges I've seen is, if you're listing the same product on multiple sites, you've got to go in and close those sales out, once you sell it on one of them. Does it help you with the reverse?
[00:24:33] Chris Casseday: Yeah. So, you can go in there with one click and say sold, and then it's going to de-list them everywhere. It's nice. It doesn't have the map back to say, oh, it's sold on eBay, let me automatically do that. But it's a one-click thing, which is good enough for me right now. And the fact that it's free, I'm like, there's no downside to it. They have other paid things, I'm sure. But that piece of it is free to me and it's easy to use.
[00:24:57] Sanjay Parekh: Yeah, I like that. Good recommendations. So, let's do a little bit, you've got a long retrospective to do potentially, with 20 plus years of doing this. If you could go back in time and do something differently or do multiple things differently, what would it be and why?
[00:25:16] Chris Casseday: Two big things is like really I wish I could have changed my mindset earlier in terms of not being afraid of growth, like I said earlier. I was so compartmentalized and this is a side hustle and in my mind it was like, it'd be cool if I made $20,000 in revenue. And it was like, for some reason it was like, that's just the ceiling. And I was like, I can't do more than that. And it then it's like, why? So that was like the big realization over the last couple years. I know this process; it's just rinse and repeat and just really lean into the growth and not be afraid of it. That's not always true for every business, right? Sometimes it's like you're grasping for the last straw, it feels like. In this case, the more I put in, I feel like the more I can get out. I haven't reached that point of diminishing yet, so that's great. And the other piece is like putting more intentionality around planning and goals. I wish I would've done that earlier. Saying, what do I want to do this year? Whether it's revenue or chop off a new test or something, I wish I would've started doing that earlier.
[00:26:19] Sanjay Parekh: Yeah. What was it that kicked you into that, of doing that planning? Was it somebody telling you or you just realizing it? Or did you read a book? What caused you to do that?
[00:26:29] Chris Casseday: I think at my day job, I preach that a lot to our clients, right? Like when we talk about marketing budgets or, what do we want to do next year? Here's what I'm thinking. But I never like, did that for myself, for my business, and I was like, this is ridiculous. So started to do that and, if we have a plan to follow, the chances are we're going to hit our marks a lot easier than if we're just blindly hoping that we do something good. So, it's been a good move for sure.
[00:26:58] Sanjay Parekh: Yeah. Yeah. I like that. So, couple of last questions. What would you tell somebody that's thinking about launching a side hustle like you in terms of how to get started or what to do or why they should?
[00:27:13] Chris Casseday: I think you really have to be passionate about it for sure, because there's going to be good days and there's going to be bad days and you don't want to be so close to the edge where you're like, this is just too bad. I'm just going to close up shop and be done with it. Cause who knows of the greatness you could have missed out on. So, if you don't have that passion from the start and that, heck yeah, I'm going to run through the wall type of mentality. Figure out if you need to do something else, like a different business or something. Because you should really feel that, at least in my opinion. And then you should really know, obviously what you're getting yourself into, which sounds typical and cliche, but it's like, what's going to happen if things go really well? What's going to happen if things don't go well? If it's a side hustle, you're okay. Like risks are mitigated. But it's like thinking about those contingency plans and really being set up for success, I think is huge.
[00:28:05] Sanjay Parekh: Yeah. That's great. Okay, now the one question particularly about your, the product you deal with day in and day out, sneakers. What's one tip or trick that our listeners should know about how to get sneakers or take care of their sneakers or whatever it is? What's the one thing everybody should know that that most people don't?
[00:28:26] Chris Casseday: Yeah, the expand your horizons when you're searching for a specific pair. Like I said, don't just go to one place. There's probably a pretty good chance that shoe is somewhere else, online. And the easiest way, honestly is search the style code. So, like each shoe has a set of numbers or sometimes letters mix in. Nike is six digits followed by three digits. Search that into Google. You'll find a lot more returns than if you were to just search the shoe name. So, there's a little hack for you if you're looking for a specific pair or if your kid's like, I really want this one shoe. It's find the style code and then search that.
[00:29:03] Sanjay Parekh: Love that. Yeah. What about taking care of our shoes? Is there something we should be doing that most people don't do?
[00:29:10] Chris Casseday: First don't throw them in the washing machine and the dryer. Unless it's like a kit, like a pair of Crocs or something. I would say it's hard for me to answer that cause I have so many shoes. I don't really have beat up shoes, but just, don't step in the mud puddles and if you do, just wipe it off.
[00:29:32] Sanjay Parekh: Wipe it off as soon as you can. I love that. Chris, where can our listeners find and connect with you?
[00:29:39] Chris Casseday: Yeah, so 513kicks.com is my website. There's some inventory on there if you're looking to buy shoes, but a lot of my inventory is like going to be on eBay or Amazon. So, that's, if you're curious about what I'm selling. If you want to reach out to me [email protected] or you can find me on Instagram by searching the same thing or any social media really, I'm anywhere.
[00:30:03] Sanjay Parekh: Awesome. Thanks again for coming on, Chris.
[00:30:06] Chris Casseday: Thank you. Really appreciate it.
[00:30:09] Sanjay Parekh: Thank you for listening to this week's episode of the Side Hustle to Small Business Podcast, powered by Hiscox. To learn more about how Hiscox can help protect your small business through intelligent insurance solutions, visit hiscox.com. And if you have a story you want to hear on this podcast, please visit www.hiscox.com/shareyourstory. I'm your host Sanjay Parekh. You can find me on Twitter at @sanjay or on my website at www.sanjayparekh.com.
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