This Is Best Way To Buy A Business

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  • Опубликовано: 22 дек 2024

Комментарии • 281

  • @CodieSanchezCT
    @CodieSanchezCT  2 месяца назад +5

    There is one truth I say over and over again… It’s easy to start a business. It’s WAY harder to make a profitable one. That’s why I think buying a business with existing cashflow is the best choice. I call it acquisition entrepreneurship. If you’re curious about business buying, I’m hosting a free 90 minute class on October 16 @ 11AM CST. You can sign-up through this link! Can’t wait to see you there, we’re bringing the heat 🔥 contrarianthinking.biz/4gRbKRg

  • @Tracy4life
    @Tracy4life 3 месяца назад +23

    Codie deserves her flowers everyday cause you have no greed in your system you are the total opposite of greed and that’s give!! You give people so much knowledge and you break it down so good!!! I know you have a husband!!!! He’s gotta be the luckiest man cause you guys are both bosses

  • @OwpunRiplys
    @OwpunRiplys 2 месяца назад +211

    I’m 55 and earn around $450k annually, only save about 2% in HSAs. I've been reading a lot of articles mentioning how worthless 'cash savings' are in this current economy. Thus, my question: what is the best business to purchase to grow my cash as of now?

    • @EenvesTmawni
      @EenvesTmawni 2 месяца назад +1

      As with most money-related questions, the answer is relative. I'd suggest you consider professional financial help to be on the safer side. RUclips knowledge is usually random and incomplete.

    • @MarieLegrand-p7z
      @MarieLegrand-p7z 2 месяца назад

      Agreed, opting for financial advice is the best way to go about when dealing with financial issues. My advisor put my $735k in Private Equity and I average five figures/month in returns. My overall ROI just hit $2.77M and is still counting up.

    • @AlbertiniCaputi
      @AlbertiniCaputi 2 месяца назад

      @@MarieLegrand-p7z I've worked in real estate for over 25 years and have neglected growing my savings. However, I need a different plan now... mind if I look up the professional guiding you, please?

    • @MarieLegrand-p7z
      @MarieLegrand-p7z 2 месяца назад +1

      I've shuffled through a few advisors in the past but settled with Sophia Verdekal O'neal. She has a great deal of expertise and her qualifications speak for themselves. You'd most likely find her basic info on the internet. She's well established.

    • @AlbertoAlejandro-g1e
      @AlbertoAlejandro-g1e 2 месяца назад

      Thanks for putting this out. I curiously inputted Sophia Verdekal Oneal on the internet and at once found her consulting page. She seems highly professional from her qualifications.

  • @Thfcpwinner
    @Thfcpwinner 3 месяца назад +156

    ❤🎉 Success is not built on success.. It's built on failure, It's built on fraustration. it's built on fear that you have to overcome. I pray that anyone who reads this will be successful in life...

    • @Thomasking1283
      @Thomasking1283 3 месяца назад

      This sounds so good and would like to be a party to this, is there any way I can speak with her?

    • @Thomasking1283
      @Thomasking1283 3 месяца назад

      Please who is this Mrs Christina Jones eth ??

    • @phillipthomas5
      @phillipthomas5 3 месяца назад

      The Lord is going to give me all of my heart desires! All of my accumulated prayer points are coming one by one! Everyone of my prayer requests will come to me! I connect myself to this word

    • @Happy-oh4wi
      @Happy-oh4wi 3 месяца назад

      Wow wow please is there any way to reach there services, I work 3 jobs and trying to pay off my loan for a while now!! Please help me

    • @Jennyofficial1600
      @Jennyofficial1600 3 месяца назад

      Jesus and God should lead me to financial freedom. Amen.

  • @Erjoe79
    @Erjoe79 3 месяца назад +18

    Only 5 minutes into this video and I love it. Goes to prove that if you put in the work, you will get the results you want.

  • @fionawats1072
    @fionawats1072 3 месяца назад +43

    *I didn't become financially independent until I was in my late 40's, and I'm still in my 40's. In addition to having purchased my second home and earning money on a monthly basis through passive income, I've also achieved three out of five goals. I just hope this inspires someone to realize that it doesn't matter if you don't have any of these things yet, you can start today no matter your age. Change your future by investing! I made a rather big decision by investing in the financial market.*

    • @MegaVanabanana
      @MegaVanabanana 3 месяца назад +2

      This resonates with me so much, just turned 40. Feeling stuck like I'm falling behind other women. This message made me smile! Thank you 🙏🏽

    • @sandraonuoha586
      @sandraonuoha586 2 месяца назад +1

      Please can you share a some lessons learnt while starting out in investing in the financial market. I believe it can help...

    • @MamaBearMidwest4611
      @MamaBearMidwest4611 15 дней назад

      @fionawats1072 Thank you! That's encouraging, I'm hitting 40 myself so hearing that is reassuring!

  • @KerryWashington-qg2ky
    @KerryWashington-qg2ky 2 месяца назад +102

    Seasoned pros like *Sophia Verdekal O'neal* can easily set something up for anyone, easy

  • @Matt-zl1by
    @Matt-zl1by 3 месяца назад +2

    This lady is amazing! Love the energy and compassion she has for business. If you want it bad enough you'll go out there and do it.

  • @CareySalander
    @CareySalander 3 месяца назад +6

    Coming from someone with a clinical doctorate - you’re good. Damn good. And I cannot believe your subscriptions aren’t north of 4mil right now (I mean that as a compliment). THIS should be the content that people watch to help get ahead whether they’re starting out or mid-end career. Too many people are trying to break out of the rat race and don’t know where to start, or even how to start. Hope you get to come to the east coast (VA Beach area cough cough) to give a conference/presentation.

  • @remodelboostclub
    @remodelboostclub Месяц назад +2

    Part of business is becoming a problem solver. That 80k machine was a good example. Good for them for taking a risk and making their dreams happen 👏.

  • @bama1554
    @bama1554 3 месяца назад +8

    I’m still paying off my lost bit of student loans at 27 yrs old. I’m working a low 6 figure job but still hate it. I can’t wait until I have the money saved to buy a business. I’ve been watching Codie since the start of this channel. The knowledge she has is so impressive I hope I can help people the way she does once I make it!

  • @0688hall
    @0688hall 3 месяца назад +7

    Your energy about buying business is motivating. I'm look forward to find a business in Vegas.

  • @BASHap99
    @BASHap99 3 месяца назад +2

    Hey Codie, any chance you could do a video covering what it’s like after you’ve purchased your first business? I.e. Day to day running, things to avoid, what you need to prepare, how you can mange running multiple businesses at once, etc

  • @sisco302
    @sisco302 3 месяца назад +49

    Codie may not be a hugger. But she has a big heart!

  • @dannytetreault
    @dannytetreault 3 месяца назад +10

    “Money is a cruel Mistress. If you don’t pay attention to her, she will leave you for somebody else“ - David Osborne

  • @TheTechCguy
    @TheTechCguy 3 месяца назад +4

    You have buying a business, but then also think about what business you're buying. What sector, service, or products you're getting into. That can also have an effect as to how successful you can be with your business, along with competition, market saturation, and regulations.

  • @duneme
    @duneme 3 месяца назад +2

    This is me!
    My Wife and I own 5-Rental Houses now!
    She works and I do the Rentals!
    She builds up her 401K and I clear the Rentals!
    We are trying to diversify our Retirement Portfolio!

  • @JillianGuinta
    @JillianGuinta 29 дней назад +1

    Oooooo so excited for his video!!! I haven’t decided what type of business I want to buy but I’m getting closer every day!

  • @martinezkatherine66
    @martinezkatherine66 3 месяца назад

    I've already watched this twice in a row. It's 1:39 am. Thank you, Codie! I knew about businesses buying business because they have money. But I didn't know about seller financing. For many years, I've always told my friends and family that I wanted to own businesses and have someone managing while I'm away. Now I have hope. I also didn't think about working a 9-5 while owning a business. I want to do it to pay off faster!

  • @alk3myst
    @alk3myst 2 месяца назад +1

    I knew a pizza guy that wanted to retire for a long time, but didn't trust his business to go to anyone (and his kids chose other professions). He finally found someone to take over and for the most part it's the same quality and taste.
    My father way back in the 80's was the guy that trusted this pizza shop owner to give him a great loan to start the business that was paid off early.
    My brother and I were one of the first customer for their $1.25 lunch special (two large slices and a can of soda). Every weekend my brother and I would hunt down bottles to recycle for 10 cents a pop to get lunch. There was a convenience store in the same plaza that would accept used bottles.

  • @amandaolson7159
    @amandaolson7159 3 месяца назад +11

    So many businesses ignore simple things like having a way to capture leads and bookings outside of standard business hours. Love that you touched on that in this video!

  • @diqueDarling
    @diqueDarling 3 месяца назад +2

    Great editing! Will be following all these ideas now! I’ll check back in next year Codie!

  • @borntobbad
    @borntobbad 3 месяца назад +6

    I got a ton of value from this, and yes i treat it as mainstream advice... however it illustrates beatifully the potential for anyone wanting to learn. If you're serious about it, go learn it... if you want to learn the concept without the homework... watch this video!
    I'm not sure what it's called or if there's a term for it, but right towards the end... there is writing on the footpath leading to the front door...such a cost effective idea that just throws positive affirmations at you in such a way, you enjoy it 17:05
    If you are conemplating any type of buying a business,...get an exit strategy so that you have a way out also, so many people do this from a weak position and not when they have the ability to make a strong one.

    • @olmanj
      @olmanj 19 дней назад +1

      so cool that you noticed that!

    • @borntobbad
      @borntobbad 17 дней назад

      @@olmanj It's the little things that make a good business great. The extra mile a business will go to make you feel special. The more cost-effective, the better, especially when it's something as simple as some affirmations painted on the path.

  • @spadar5150
    @spadar5150 3 месяца назад +6

    I can see the Codie Book of Quotes..."Half the game of business is just not taking no for an answer and thinking of creative solutions when the inevitable disaster comes next; it is like business is just a carefully concealed series of disasters moving down the highway." Codie Sanchez
    "Most successful people I have met would say that they are not that smart and they are not experts; they just work a little bit harder than everybody else for a little longer than everybody else and the truth of the matter is, is that it is in the work we trust, that is what makes a main street millionaire." Codie Sanchez

  • @christianmaxwell5801
    @christianmaxwell5801 3 месяца назад +5

    Congrats! The best part of the story is seeing a Wife and Husband work to build financial freedom!

    • @olmanj
      @olmanj 19 дней назад

      Thanks Christian!

  • @rootedlifehome
    @rootedlifehome 3 месяца назад +11

    This is awesome. Congrats on your success.
    I've been following Codie for 2 years by accidentally clicking on a RUclips video.
    It reminds me of "the secret".
    I literally fall asleep listening to her videos because they have positive affirmations. You can do it!!!!
    I WILL, TOO...

    • @jgon321
      @jgon321 3 месяца назад

      Honestly she makes me believe in myself🥹💕🫶🏼

  • @AP-lw4rw
    @AP-lw4rw 4 дня назад

    You are doing God’s work!
    Thank you Codie!
    I hope people understand how much of applicable value this case-study of a video has for people looking to get into entrepreneurship.

  • @HananOich
    @HananOich 3 месяца назад +108

    For a long time, the idea of achieving long-term financial security felt out of reach, especially since I started contributing much later than most. I realized that relying on ETFs and bonds alone wouldn’t be enough for me. But after doing some research, I found a strategy that made a real difference, and it helped me retire with $3 million. Just sharing my experience, I know everyone’s journey is different

    • @Joe900-px3nt
      @Joe900-px3nt 3 месяца назад

      It’s worth noting that luck often plays the significant role in investing, sometimes even more than the resources involved. Without it, its challenging

    • @HananOich
      @HananOich 3 месяца назад +1

      In my experience, luck plays a part, especially in the short term. But I’ve noticed that when results remain consistent, it usually indicates something more than just luck. For me, research was the challenge until It led to Emily Ava Milligan, a fund manager. I thought her strategy made sense, it contributed to growing 400k into this and counting

    • @Joe900-px3nt
      @Joe900-px3nt 3 месяца назад

      I just searched for the name, and her page popped up as a top result. I’m curious to learn more, appreciate you pointing that out

  • @juaneguerrero8456
    @juaneguerrero8456 3 месяца назад +1

    I stumbled upon your videos and now I am hooked. I am looking for my next steps in life and I think I may have found it. Thank You. I hope I can DM you one day for advise.

  • @nataliewhite9387
    @nataliewhite9387 3 месяца назад +1

    Great video! 🙋🏻‍♀️I’ll be your next subscriber business owner - let’s go Codie! 🙌🏽

  • @Gentepreneur
    @Gentepreneur 3 месяца назад +3

    Love this! Starting a business sounds like fun, but after 2-3yrs of start-up phase, you start to feel fatigue because of all of your time and energy to get it up and running. After starting 3 different businesses, I most likely never ever start from scratch again, acquisition is the smart way to go about it and if you think about it, it's more likely going to succeed. Thanks Codie!! Great job Olman and wifey!!!

  • @Samuel-wf6kk
    @Samuel-wf6kk 3 месяца назад +3

    Hi Codie,
    Your videos are so simple and I believe effective, that sometimes my brain says no -- There has to be a harder way or I can't do it or it won't work here in my home country
    Like what Buffett said, my investment principles are so simple many aren't willing to do it
    I'm currently working on myself and I need to change my mindset ❤❤

  • @zombie1864
    @zombie1864 3 месяца назад +2

    I find it better to work 9-5 and put money into stocks. It does require more capital than owning a business but it is much more easier than operating a business.

  • @RobertLawrence-r4u
    @RobertLawrence-r4u 3 месяца назад +6

    I’m 52 hoping to end the rat race by 60 with above $1M. I know money is a liability to be exchanged for assets with real value like real estate (properties for rent) stocks (dividends) bonds (interest) But, what is it with bitcoin? I hear a lot about it and I'd love to diversify my portfolio.

    • @JamesHarazes-d3m
      @JamesHarazes-d3m 2 месяца назад

      I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Evelyn Infurna.

    • @George_Allan
      @George_Allan 2 месяца назад

      Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.

    • @ElizabethJoyce-t2j
      @ElizabethJoyce-t2j 2 месяца назад

      She is my family's personal broker and also a personal broker to many families in the Canada, she is a licensed broker and a FINRA AGENT in the Canada.

    • @SaraMonger21
      @SaraMonger21 2 месяца назад

      You trade with Evelyn Infurna too? Wow that woman has been a blessing to me and my family.

    • @Clint59
      @Clint59 2 месяца назад

      I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much

  • @Darrida
    @Darrida 3 месяца назад +4

    Codie has charisma of road roller. She is simply unstoppable.

  • @sheralinares13
    @sheralinares13 3 месяца назад

    Love it!! More videos like this please 👏🏼👏🏼👏🏼

  • @renegademercsix7190
    @renegademercsix7190 3 месяца назад +4

    Congrats. Its easier when you have a mentor to basically walk you through it. Almost impossible when you dont have a mentor.

  • @Andromeda2976
    @Andromeda2976 3 месяца назад

    Love this! Underselling & honesty, good point. It is in the work we trust, for sure! :) All the blessings for the business & Thanks for sharing!

  • @Kazewawa
    @Kazewawa 3 месяца назад

    Thanks HubSpot

  • @CollinRutherford
    @CollinRutherford 3 месяца назад +3

    Absolutely! When your business aligns with your interests, you're more likely to excel and enjoy the journey.

  • @KWfreightSolutions
    @KWfreightSolutions 3 месяца назад +1

    Codie, can you do something like this " Owner financing" in canada?

  • @The_Laid_Off_Life
    @The_Laid_Off_Life 3 месяца назад +1

    I'd like to get help Codie with my small startup. Bootstrapped 100% in the medical space & high margins. Just need more clients to level up !
    Just doing business in Texas at the moment :-)

  • @billionairebreed
    @billionairebreed 3 месяца назад +1

    Good one codie!!

  • @colestersclassroom-teachin105
    @colestersclassroom-teachin105 3 месяца назад

    Love these videos. Great business advice in all of them. I applied some of them to my current career.

  • @pberggre
    @pberggre Месяц назад

    Is it a bad idea to buy an already established atm route that is pretty much hands off?

  • @jeffandfediachery8976
    @jeffandfediachery8976 3 месяца назад

    Love this story Cody. I would love to learn from you how to buy a business. My passion and skills are in the food industry. I’m from Canada!!thanks- Jeff

  • @brandifrancis9744
    @brandifrancis9744 3 месяца назад

    Codie!! Do you have any content on how to break into the wedding industry? Decoration, wedding planning, or mobile bar? What do you think?

  • @brandenpatterson9936
    @brandenpatterson9936 3 месяца назад

    Any tips and guidance for a power wash business owner ??

  • @saralakatos1360
    @saralakatos1360 2 месяца назад

    I love Codie she’s my boss lady ❤

  • @irfanchaudhary9947
    @irfanchaudhary9947 3 месяца назад

    Codie, I would like to get those hubspot templates

  • @tiffanyle9763
    @tiffanyle9763 3 месяца назад

    great episode codie!!

  • @1080Graphics
    @1080Graphics 3 месяца назад

    Great episode, love learning from you🙌🙌

  • @ReeInvesting
    @ReeInvesting 3 месяца назад

    very cool - thnx for this!

  • @greatjobadvertisements4731
    @greatjobadvertisements4731 3 месяца назад

    Freaking awesome!!!

  • @RoyalBlueberry
    @RoyalBlueberry 3 месяца назад

    Aloha!
    Hey, I would like to start a business?!
    Are you be able advise me how to initiate?!
    Maybe towing company?!
    Thanks,
    Alex

  • @The_Angry_Angiographer
    @The_Angry_Angiographer 3 месяца назад +1

    At any level of wealth... women will always steal your hoodie!

  • @brianbecraft8258
    @brianbecraft8258 3 месяца назад

    U r amazing my friend 💯🔥😊💪👍

  • @tubenoidi
    @tubenoidi 3 месяца назад

    Is this only possible in the US? I know that if both sides agree on something and wrtie and sign a contract, then that contract becomes a law, regulating their relationship. You can even go to court and demand the other party to obey the contract and the judge will approve it. But in other countries such "seller financing" may not be possible due to the law regulating seller-buyer relationship over any contracts, i.e. no matter what is written in the contract, if the contract is not in line with the procedures written in the laws and rules then that part of the contract is considered insignificant and unnecessary to do. So how do you document the "seller financing"?

  • @TheSwedishCarGuy
    @TheSwedishCarGuy 3 месяца назад +1

    SUCH a rad video Codie :D
    looove it!

  • @cirtagourmet
    @cirtagourmet 3 месяца назад

    thank you :) great video

  • @zuy-lenalejo7855
    @zuy-lenalejo7855 3 месяца назад

    Do more of these!

  • @NickChristensen09
    @NickChristensen09 3 месяца назад +1

    damn so many actionable tips in this vid 🔥🔥🔥 also my face is getting wrinkled af i think i need botox

  • @Carsonthefett2
    @Carsonthefett2 3 месяца назад

    Did they find the business through a broker or by themselves? Same thing with negotiations. Did they do that by themselves too?

    • @olmanj
      @olmanj 19 дней назад +1

      By ourselves. We bought it from my wife's boss

  • @peteranderson6068
    @peteranderson6068 3 месяца назад

    Classy Lady ! Codie top of the tree

  • @staycehale5903
    @staycehale5903 2 месяца назад

    Thank you

  • @sherrycam
    @sherrycam 3 месяца назад

    Would love a consultation like this from you!

  • @amberpalmer3708
    @amberpalmer3708 3 месяца назад

    Thank you for sharing your story ❤

  • @idkidc9566
    @idkidc9566 3 месяца назад

    I’m curious where you learned all this information

  • @pberggre
    @pberggre Месяц назад

    Also is buying a laundromat always a bad idea?

  • @kml.
    @kml. 3 месяца назад

    instant classic, great video

  • @jle92708
    @jle92708 3 месяца назад

    You have big heart to actually translate it to real life for one us small 🍟

  • @mykaelray
    @mykaelray 3 месяца назад

    Damn You're awesome love you Codie!! 😂❤

  • @kaidenbusch2876
    @kaidenbusch2876 3 месяца назад

    THANK YOU HUBSPOT!!!

  • @jeanjuniorjacques9772
    @jeanjuniorjacques9772 2 месяца назад

    Ok. Let's go to dinner this week. Don't wait on this projects no more. Ok🎉❤🎉

  • @charleslash4895
    @charleslash4895 3 месяца назад

    Their place looks fantastic and very inviting

    • @olmanj
      @olmanj 3 месяца назад

      Thanks :)

  • @HuntAndFishExchange
    @HuntAndFishExchange 3 месяца назад

    Loved it - My Turn - Help me purchase a storage unit facility

  • @TATOR7ATOR
    @TATOR7ATOR 2 месяца назад

    Do they have social media?

  • @ThrowBackZone
    @ThrowBackZone 3 месяца назад

    Can we talk about how they almost backed out because they were scared? Classic! I’m here for all the drama and inspiration. 🤣👏

    • @olmanj
      @olmanj 19 дней назад

      Crazy. Fear almost cost us our biggest mistake

  • @LAMBNATION98
    @LAMBNATION98 3 месяца назад +2

    I’m trying to buy a business I have about 13k cash been online. I’m still looking for something that doesn’t require a lot of capital upfront

  • @veej_77
    @veej_77 2 месяца назад

    Why not buy a business in a foreign country that welcomes foreign investment with much lower start up and operating costs? For example, in the Philippines tourist areas you could take over a bar for $45-75K USD and then hire low wage workers and kick back on the beach?

  • @Non_Sense_Search
    @Non_Sense_Search 3 месяца назад

    Loved it

  • @ReikiMasterCarlie
    @ReikiMasterCarlie 3 месяца назад

    So inspiring🌟

  • @marklee81
    @marklee81 3 месяца назад +1

    9:22 "Maybe he should sit in the chair and we both stand on each side? Would that look normal?"

  • @jaydyas1528
    @jaydyas1528 3 месяца назад

    Hi Codie
    Can you send the Hub spot link.
    thank you

  • @sidvish159
    @sidvish159 3 месяца назад

    Fantastic video Codie! Im in VA and need that same help. I wish I had someone like you in this area. You're awesome! Also, thanks for the spreadsheets, these will def come in handy.

  • @Firetail82
    @Firetail82 3 месяца назад

    This is brilliant, learing & thinking seriously about a business thanks to Codie & her techniques.. this video is superb, want to replicate this model for my home country India quite soon.. You are a rock star @CodieSanchezCT!!!

  • @gentif.6315
    @gentif.6315 3 месяца назад +1

    That’s a hell of an episode!! I learned something. ❤

  • @beep7
    @beep7 3 месяца назад

    I'm just here for the editing game! 🔥

  • @anncl3983
    @anncl3983 3 месяца назад

    Did anyone else have issues opening up the Financial Planning hubspot templates? I could only see the first page with the table of contents and the personal finance template, which is interesting, but I would love to get my hands on the P&L one and the others.

  • @Texashogmeister
    @Texashogmeister Месяц назад

    Are you in ATX? If do I wanna get coffee too...Help me buy a business!!

  • @overwatchgale4640
    @overwatchgale4640 3 месяца назад +1

    Great video, wasn’t a fan of the highlighter sounds at 7:40. It’s already so engaging so it doesn’t need to be extra!

  • @fit_peezy
    @fit_peezy 3 месяца назад

    I’m a subscriber and I’m willing to do this!

  • @snoopanoop7705
    @snoopanoop7705 3 месяца назад

    Keep up the awesome content

  • @Wisdomstory52
    @Wisdomstory52 3 месяца назад

    Thanks

  • @NYTLYFE
    @NYTLYFE 3 месяца назад

    Awesome work Olman! Great story. Codie, I appreciate the content, really helping me build my knowledge base 🙌

    • @olmanj
      @olmanj 3 месяца назад +1

      Thanks :)

  • @carlamonni8613
    @carlamonni8613 3 месяца назад

    I am building the next big collaborative and decentralised Disney!
    Manifesting Codie advisory!

  • @toprankintv9122
    @toprankintv9122 3 месяца назад

    She gives advice to ppl who already have it

  • @jasonsheffield6697
    @jasonsheffield6697 3 месяца назад

    Where else do you talk about the 10 Step process for buying a business? Would like to learn more.

  • @u.s.aarchangelforgod3679
    @u.s.aarchangelforgod3679 3 месяца назад

    TY Codie

  • @arkoplumbing9864
    @arkoplumbing9864 3 месяца назад

    Yes, I wanna download the templates