Transcript
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What is going on?
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L&m family.
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I am here with the glamorous Rocio Luna, who is like a baller, just recently got a super cool recognition award from Rice Professionals the top 35, under 35.
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She is a specialist in helping contractors and staffing agency lower their EMRs and maybe we'll learn a little bit about that.
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I just know the letters.
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I don't know too much about that and she's got like a super solid presence on the socials.
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I've seen you on Instagram, I've seen you on LinkedIn and we'll dive into that, but before I'm sorry y'all you know I got to give the shout out to the L&M family member that took the time to leave a super awesome comment.
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This one goes out to our buddy, mr Henry.
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Henry says his story is important for us all to hear and read.
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I know it will have a great impact on the men and women in our industry.
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We need every voice that is willing to give their part.
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Each part makes the whole.
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Henry, thank you for that.
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And, folks, he was Henry's referring to the stories that I shared in the book, the tell-all book, becoming the Promise You're Intended to Be.
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So if you haven't gotten it, check it out.
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I know Rocio did.
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And here we go to Miss Rocio how are you doing, sister?
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I'm doing fantastic, jesse, and thank you so much for having me on your podcast.
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I am beyond excited and, just like what you mentioned, if you have not gotten a copy of that book, you are missing out guys.
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The link is on Amazon.
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It truly is impactful.
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Just like what Henry said, everybody has a story to tell and I definitely resonated with your story and, I think, a lot of other people everywhere across the nation, no matter what industry, where you come from, we all have a story that we could talk about.
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Yes, man, and thank you so much for that, because I know you went and spent the money, read the book.
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You shared a thought with me which was really meaningful.
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It's a beautiful thing because I didn't know what to expect.
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Definitely, I wasn't expecting Tom Cruise or Salma Hayek to come knocking on my door, but even better than that, what has happened is people have shared how the stories have touched them, and some people even shared like it's motivated them to live life differently, and that was the whole entire point.
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And speaking of living life differently, you came across my feed I don't know how long ago it was, but absolutely captured my attention with your energy, your professionalism and your messaging.
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Is that something that you just were born with?
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And just, I'm just smart.
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I'm going to help everybody out and show my intelligence through video and social medias.
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No, definitely not.
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I was definitely not categorized as smart either when I was in high school or even college.
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I went to college just to show my family and to be the first one to graduate from college.
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But definitely smart is not where I get categories as, but on delivering my message, it's definitely something I've been working on and you get that through just being consistent and then you find your swag to see on.
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And you get that through just being consistent.
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And then you find your swag to see and I honestly would have never thought that EMRs would have taken me this far.
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I honestly thought EMRs was just such a boring topic If you're not in the workers' comp space or if you don't bid and it doesn't affect you and you really don't know.
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But then once I started talking about EMRs and the calculations of it, I really I was surprised of how much traction I got.
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People saying, oh, can you, can you talk more about this or what is it.
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And that's what led me into my whole ebook and talking more about what I do for my clients.
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And next thing, you know, you know I'm I'm like on 35, under 35.
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That's amazing.
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So first like for real what is EMR?
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What is that?
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So EMR is experience modification rate.
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So an EMR is a rate that is given to you by the state of whatever state you are.
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But here, since I'm talking about California, so California rates you on your company's claims history and safety record.
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So pretty much if you have an EMR below a hundred, your rating and safety is good.
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Anything above it means that there's some issues.
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I have going on Anything above 1.25, now you're like in the hot zone, it's red.
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And for companies, you get rated on your EMR for your insurance.
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So your insurance premium is based on your EMR rating.
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So it's very important that you keep that rate low to keep the cost low and also, when you're bidding you look more attractive to the GCs because you say, okay, this company over here, they have their things together, they are following safety protocols, they know what to do and they really take business serious, versus someone who has an EMR of 1.5.
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Yeah, yeah.
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And the bonding.
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It's added risk to the general contractor Also.
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That means people get hurt working for them, so that's not a great thing.
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Now were you like in sixth grade at the school dance and said I want to be in EMRs?
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How did all that happen?
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What was the path?
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Because you're pretty successful.
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You're out there.
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You mentioned you've got an ebook that I'm not sure.
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Is the ebook coming out or is it out already?
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No, it's already out.
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Yeah, so the first one.
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So I have three books now, but the first one I got the first one that came.
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Have three books now, but the first one I got, the one the first one I came out was the first.
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Uh, was last year during christmas and that was more about emr, is like claims management, just like overall workers comp, the broad workers comp.
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And then the two other ebooks that I have one is about how to control your costs with audits and then the other one's about lessons that I've learned for commercial agents.
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So like three valuable lessons that I've learned for commercial agents so like three valuable lessons that I have learned.
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But going back to your question, so in sixth grade?
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No, so in sixth grade actually I was a nerd.
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So that was never any school dances.
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I was not ever like I didn't even know any.
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I wasn't involved in any of that until like freshman year of high school.
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But when I was in I was in sixth grade was a super nerd, super nerd.
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I used to play the violin.
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I had a rolling backpack, I had so much, so many things going on and I was definitely a big time nerd in sixth grade and so what was that progression?
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and the reason I ask is I I think back to when I was in sixth grade.
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I was also like mega nerd, right, I didn't know it, but everybody else knew it, and I remember thinking like the path to success is this straight line.
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If I just do these things, I'm going to live my dreams, and whatever that is.
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My experience has definitely been very different than that and what I thought I was going to do is not at all like.
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The life I'm living right now is nothing I would have expected even two years ago.
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And so for you, being that sixth grade, we're both nerds, so we're in good company here.
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What was that?
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The progression like going through growing up and entering the workforce and then getting on the dang top 35 under 35?
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That's a that ain't small, that's a big deal.
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Let's say, my life was like this and then it was like this.
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It's been like a.
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I guess what is it?
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I'm trying to think of the word.
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Roller coaster.
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Yeah, roller coaster, there you go.
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That's stock.
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Stock has value, it goes up and down.
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Definitely a roller coaster.
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So to take you back in six years I was like super nerd, really nerdy person.
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And to give you more back end, my mom had me at 16.
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So my mom was a young mom.
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She's young, so I'm 30.
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My mom's 45.
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And, yeah, she's young.
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So we grew up like sisters.
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So me and her were like growing up like sisters and I went to I was super nerd in in middle school and then I went to high school.
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My mom thought it would be cool to have to do a complete makeover on me and she took me shopping to got me my hair done and that completely changed me.
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So I went from like nerd to like super rebel and then I started hanging out with the wrong crowd and I just got it, got into really into the party life.
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Yep.
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That's probably more like 16.
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And I was like 16 and 19.
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And I learned some really hard lessons during that time.
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And then I had got into this relationship and it was bad influence as well.
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And then I learned another lesson there.
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And then I said at 21 or 21, 22,.
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I said know what?
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I want to remake myself and be sober and take life, take everything I've done and rebuild myself.
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So I went from this party person to this isolated gym rat like when I mean isolated, I meant like I was that loner at the gym and I would hang out there by myself.
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So I used to work at a gym too.
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So I went from this whole party scene to remaking myself at the gym just being by myself, and I listened to a lot to like self-development books, so I had a lot of Jim Rohn.
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I had that book called the Millionaire Mindset.
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And there's another one poor dad, rich dad, like all the classics, right.
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I started doing all of that just to get my self-development going and I graduated from college just basic I think.
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I got like a 3.2 or something graduated and then I landed a job in insurance.
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But I got there just by me randomly applying.
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So I applied at all entry level positions and they called me up because they needed a bilingual person to come in and they really needed someone and I really needed a job.
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So I was like, okay, it's working.
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All right, that's okay.
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And so you got an insurance and you're killing it now, right, everything I get to see that you're doing tells me like all right, like you've got it going on.
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I'm sure the business is ecstatic with you.
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But you mentioned something that I want to pick at a little bit.
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You talked about reinventing yourself, remaking, rebuilding yourself, and I know, when I reflect back on my life, I've done that a bunch of times.
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Some of the times it was like a rehabilitation, renovation, right, like I was in trouble and I needed to learn how to, or I needed to start doing life differently.
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Some of the times was like, okay, I've capped out here, I want to experience and contribute in different ways, and so for somebody that's out there right now, that's like, on that edge of man, either this path ain't working for me or this path was great, but I'm ready for a new one.
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What are some things that you would recommend to them to start like remaking and rebuilding themselves?
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I would definitely say for anyone who's trying to rebuild themselves is to listen to your soul and your heart, because once you start asking yourself whatever reality you're living, it's because you're questioning, because you deserve better.
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Three years ago I was like, okay, like the most I could do is become a claim supervisor, but I know that there's more to me than managing files and managing people and I really want to.
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I feel the pain points of the clients, so I want to transition over here.
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But I also think, coming back to your own personal life, if you feel some inadequacy or something, you need to really digest and take it apart.
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But also don't be too hard on yourself.
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Don't be like, oh, what's wrong with me?
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Oh, am I doing enough?
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Because I think sometimes we get caught up in as adults because you're on this mission.
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I think you can relate to this you just want to come on top and I think, with someone who's who may come up from the ADHD side because I know I definitely had that when I was younger, I still have it you always want to be constantly like on the go, do it, come on, what's next, what's next?
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And when you really start to sit back and see, see things.
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It's you know what I just need.
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I need to really focus on myself, because when you have so much going on and that's when you start to feel like the overwhelm or the burnout, because you're really focusing on everything else but not on yourself- I love this topic.
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So, when we talk about focusing on yourself, you've seen the posts on LinkedIn and probably more on LinkedIn than anywhere else about work-life balance and self-care and this sort of thing which I know early on.
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Like you said, yes, I'm super hyper and it's very easy for me to get lost in my obsessions, and none of those obsessions are around self-care and restorative behaviors, and so I'm getting the sense that you also, you're an accomplished woman.
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You want to grow.
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You have an awareness that you have greater capacity.
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So there's a couple of things there.
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Right, you got to perform and do your thing and go out there and be on top.
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And if you want to grow and contribute greater, you also have to invest in yourself by learning and access coaching, access mentoring, which is also a time thing.
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So how do you reconcile the obvious necessity to take care of yourself with executing on whatever you're committed to now and growing yourself as a human being and a professional?
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I think it's a learning process because I feel every day you reinvent yourself, because I always see it like every day I try to be the better person than I was yesterday.
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We all make mistakes, right?
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I know in the past I've had where I've had tantrums or I've gotten mad.
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So for me, when I was growing up as a teenager, I had like anger problems.
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I was like I tell people like cause people ask me like, oh, you're so disciplined, you're so organized?
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I'm like I was the complete opposite when I was in high school I was like the Tasmanian devil, just like the cartoon, like just destroying it.
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He just gets mad and just destroys everything.
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That was me.
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I was very impulsive, but once I learned how to control those sides of me, now I'm able to wrap that up and okay, now I can use this in the right way and not destroy myself or destroy things around, because I think when you live in chaos too, you get used to that.
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I guess you could kind of say I excel in that because I'm going through businesses that are in chaos.
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So I guess psychologically I'm still looking for that.
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You know like, if you like, self-analyze myself, I'm like I do think about that.
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So if you self-analyze myself, I'm like I do think about that, oh girl.
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So I feel that that hits because, same right, I identify more with animal from the Muppets than the Tasmanian devil.
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I don't know if I had the drum player, the crazy wagon, that was me.
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But I remember when I started working on myself and getting my addictions under control and stabilizing my decision making that things stay like things calm down and settle down and I was like what the hell is this?
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Something is about something's going to happen and the best way I can frame that is I also had an addiction to chaos and if I wasn't, or rather when I'm not, in some chaotic environment, it doesn't feel right Like I need moving parts and drama and stuff and like all kinds of things going on to feel level.
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I've learned to not create it to help people that are going through it, like I can steal their chaos.
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I don't need to make my own chaos.
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I totally but you could say, now that you've learned through your chaos, you want to help people in chaos.
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A hundred percent, you nailed it.
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Yes, yes, ma'am, yes, yeah, yeah, okay.
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And so helping people in chaos, how do you do that?
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If I go back to my business, my business standpoint and I tried to uncover it through showing pain points, because people really don't know that the house is on fire until they feel pain.
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They don't see it, but it won't be until they have that pain or until they hit rock bottom or they're like okay, you know what I need help.
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It's okay, because I've hit rock bottom too.
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That was my.
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I flipped the script Once I learned my lesson.
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I'm like'm like okay, this is not the right way, but you could only hit the wall so much before you know that this is a wall and, whatever you do, you can't go through it because it sounds like duh.
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But we all I think we all do that in different venues in different ways, right like it's not working, it's not serving us.
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It's not serving us, it's robbing us of joy, which is keep trying it, because maybe this time it will and it doesn't.
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And so you mentioned rock bottom.
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My experience with rock bottom is that it's not one singular space or level.
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My experience is that rock bottom is relative and it can get lower and it gets lower every time until you make a significant change.
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What do you think?
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I agree with you.
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Rock bottom is when I feel like you realize that you're in this situation and if you don't get out of it because it's only you who could help yourself out and I think that once you're fed up or you realize that you dug yourself in this hole, you're like oh, I did this to myself and I think it's just until you really realize that.
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And then you start to take a step back and you're like okay.
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And also, honestly, I think people get an impact when they start seeing the loved ones, the people around them.
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They start to change because you start to see that when you're on your rock bottom, you might be hurting people, either your family, your loved ones or friends and they start to get away from you or they don't want to be around you or sometimes which I also think that in a way that helps you out, because sometimes by offering, like being a parent, and if you give everything to your child, that child's never going to learn until you separate from them and you let them learn on their own 100%, oh my goodness.
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Okay.
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So I'm going to try not to be too nosy, but since you've experienced rock bottom and I've experienced rock bottom we've had some pretty low lows.
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You've touched on a couple of things that I think are super important in terms of personal development and the path to success.
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I know, when I was in that dark space yes, there were loved ones and people that cared about me that the best thing they did was disown me because I was just dragging them down and it hurt.
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At the same time, there was a group of people that were like my accomplices and they almost made it okay to be where I was at that point.
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Did you have the same situation?
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Yeah, and I think it's like that, saying misery loves company.
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It's true.
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Once you start realizing because it's very few of the people that because anything could become addictive, right From food to alcohol, to people themselves, you become addicted to loving someone, whether it's you're obsessed with that person, and you can become addicted to drugs.
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You can take it to anything.
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But in all reality, people that have an addiction to something bad, it's because they haven't healed themselves inside that they're looking to fill this up.
00:19:15.727 --> 00:19:17.192
So let's say shopping addictions.
00:19:17.792 --> 00:19:22.446
I guess you could say I had a shopping addiction when I was early high school.
00:19:22.446 --> 00:19:28.582
If I didn't walk out with something in my hand or something that would fill me up, I was always looking for something to do that.
00:19:28.582 --> 00:19:40.536
But once you start doing more inner work and you start to realize, okay, people are hanging out here who are drowning in alcohol, drowning in drugs, drowning to be in the life of the party, who are drowning in alcohol, drowning in drugs, drowning to be in the life of the party, but it's only a moment of dopamine.
00:19:40.536 --> 00:19:44.460
So you get all this intensity like yes, and the next day you feel like crap.
00:19:44.460 --> 00:19:51.605
You're like my pockets are empty, I made a bad decision, I'm hungover.
00:19:51.605 --> 00:19:52.546
I feel like shit.
00:19:52.546 --> 00:20:00.219
At 12 pm I can't even go to this family function because I just I don't know how to get to it.
00:20:00.219 --> 00:20:02.849
But if someone hits you up and says, hey, let's go out again, there you go and it's like a whole cycle.
00:20:02.849 --> 00:20:05.217
It's like this non-ending cycle.
00:20:05.838 --> 00:20:11.082
Yeah, so for folks that are in that cycle or a similar cycle, what do you recommend?
00:20:11.082 --> 00:20:19.204
They like maybe two or three things that that they could reach out for and hang their hat on to get out of it, to break the cycle.
00:20:19.549 --> 00:20:21.575
I would say, oh man, that's hard.
00:20:21.575 --> 00:20:32.023
I think everybody has a different way of learning things, but I feel like if they know what's hurting them, you need to accept it it hurts and seek out help.
00:20:32.023 --> 00:20:43.218
A lot of people don't seek out help and if I would have known, I learned on my own through isolation, once I separated myself and I just isolated myself completely.
00:20:43.218 --> 00:21:00.173
But even through that time, if I would have thought you guys should have sought a psychologist, or maybe I should have sought someone to like look at this trauma and see how it is, because when you're traumatized and you're seeking more things, you're going to put yourself in bad situations that even might even traumatize you more.
00:21:00.173 --> 00:21:11.721
Anytime you're under the influence or you hang out those type of people you're going to, you're more likely to do a bad decision, you know, versus if you would have healed and you will go through the healing stages.
00:21:11.721 --> 00:21:22.338
But for someone that is looking to help, I say if you don't feel confident talking to your friends or family about that issue or your loved one, you know, seek a psychologist.
00:21:22.740 --> 00:21:23.421
I cannot tell you.
00:21:23.421 --> 00:21:34.612
There's so many adults that haven't talked about inner things that have happened to them in the past and they carry this hurt child, this child that's been hurt, who's screaming for help in the darkness.
00:21:34.612 --> 00:22:02.117
And that's one something that I'm very big on, because I've lived through childhood trauma which I think is like the biggest thing that if you've ever been, you know gone through that you need to heal that person because sometimes it is also a cycle, because you may not be able to connect with your family because maybe your family did it or it's something that goes on in your family, and these are things that people don't talk about because they're like oh, not in my family, or this is the family secret, don't say this.
00:22:02.117 --> 00:22:04.150
But those are the things that people need to, that have been hurt and need to work on it.
00:22:04.730 --> 00:22:06.053
Yes, oh, I love it.
00:22:06.053 --> 00:22:10.182
Simple right Ask for help, which is the hardest damn thing.
00:22:10.182 --> 00:22:14.934
It took me forever to invest in getting a therapist.
00:22:14.934 --> 00:22:18.119
Like the first few years that I had any kind of therapist.
00:22:18.119 --> 00:22:23.150
It was all state mandated because I was on probation and I was on paper for hell.
00:22:23.150 --> 00:22:35.022
I was on paper for 20 years of my life, like for real, and it wasn't until this last time that I got a therapist, found her all by myself, went online and called and set some stuff up.
00:22:35.022 --> 00:22:44.252
I haven't talked to her in a few months, so she's going to be mad at me, but she's amazing and it's been like tremendously helpful for me because I got to get stuff out and we don't.
00:22:44.353 --> 00:22:48.790
I guess what I love about what you said is we don't have to do it alone.
00:22:48.790 --> 00:22:50.895
I mean, you talked about isolating.
00:22:50.895 --> 00:23:04.645
That is my nature also to isolate, but what I've discovered is, by Intrador, inviting people into my life that my experience on this rock is a million times better than what it used to be.
00:23:04.645 --> 00:23:13.904
So, speaking of inviting people into your life on the path that you've been on, and it feels like you're on a rocket rather, it looks like you're on a rocket ship.
