Life Currency

Bob invited Steven Franz on fresh off his first DJ set at Zouk in Las Vegas, and walked away with the story of how a 2 AM street interview became a law firm. Steven filmed his first "drunk interview" in downtown McAllen in 2018, hit 100K views overnight, got dropped from law school a few months later, took the bar exam three times, and now represents some of the same people he used to interview.  #LifeCurrency #StevenFranz #956 #RGV #McAllen #DowntownMcAllen #Puro956 #FoodAndPeople Bob sits down with Steven Franz, attorney, DJ, and one of South Texas's most recognizable content creators. Steven walks through a résumé that doesn't make sense on paper: an associate's degree at 16, a bachelor's from St. Edward's before 19, a 100-mile ultramarathon finished in 22:59, 6 Ironmans, and nearly 100 skydives. From there it's Capitol Hill, a camera, and a random question outside a McAllen nightclub that launched a following of over a million.   Then the DJ chapter: getting told off by Coachella security, learning to DJ in Tulum in the middle of bar prep, throwing free Jury Box shows for the Valley, and playing Vegas with people in the crowd yelling "956." Plus the truth about how much money going viral actually makes, the support system behind him, and his advice for anyone starting out: pick one thing and do it for five years. 0:00 Cold Open 1:06 Fresh Off Vegas: DJing Zouk at Resorts World 3:21 Same Guy at the Courthouse and the Club 4:58 Three Bar Exams and a Degree Before 19 6:20 100-Mile Ultramarathon and Hallucinating Trees 10:22 Capitol Hill to Downtown McAllen 12:32 "If You Could Be Any Animal?" — The First Viral Video 15:06 Dropped From Law School, and Why It Helped 17:24 The Story Behind the 956 Chain 21:36 When Drake Followed Him: The 2023 Peak 22:19 "Accomplishment-shment" and 150 Million Views 25:57 Gut Feel vs. Data 28:03 You Can't Win on the Internet 31:04 160 Criminal Clients in Year One 32:19 The Plan: Street Interviews to Law Firm 36:46 Coachella Security and DJ School in Tulum 39:19 The Jury Box: Free Shows for the Valley 44:06 Dad's Doubts and Mom the "Momager" 47:47 Do People Regret Being in the Videos? 50:18 "Biggest Influencer in South Texas?" 52:41 Why an Approachable Lawyer Wins 54:51 Headlining The Island and the Suit Gimmick 58:40 Vegas Residencies, XS, and the Chainsmokers 1:03:35 Losing Followers on Purpose 1:05:50 The Truth About Making Money Online 1:08:25 How Growth Used to Work: Repost Pages and Hashtags 1:11:14 The Gift 1:14:26 Advice: Pick One Thing and Do It for 5 Years 1:16:33 Christina and the Support System 1:21:18 What's Next: The Final Verdict at Citrus Live 1:23:30 Shaq the DJ and Wrap-Up About Steven Franz: Attorney and founder of Franz Law Group in McAllen, Texas, handling criminal defense and personal injury. Creator of the downtown McAllen street interviews ("Puro 956") with over a million followers, and a DJ behind the free Jury Box show series. Former congressional staffer, ultramarathoner, 6-time Ironman, and skydiver. About us: Bob Lozano is the CEO of F&P Group, a company involved in restaurant management, commercial real estate, and digital marketing. Coming from a family of franchise owners, he's a passionate entrepreneur who builds successful businesses and creates positive company cultures.

Bob invited Alex Velasco back for a franchising update. Instead he found out Alex had quietly taught himself to code and built a proprietary AI platform — 6 provisional patents, an official Garmin partnership, read/write access to Toast, and zero outside capital. "Do I really need outside capital to accomplish what I wanna do?" He got off LinkedIn, went heads down, and built it himself. #LifeCurrency #RestaurantBusiness #Franchising #RestaurantTech #AIForRestaurants #ForkToFit #RGV #FoodAndPeople Life Currency sits down with Alex Velasco, co-founder of Fork To Fit, for his second appearance — 15 months after the first. Alex walks through building ForkPulse from scratch starting last October: food logging, biometrics, telehealth, supplements, and ordering in one closed loop, running on an in-house AI model rather than a wrapper on someone else's. He explains why he walked away from the private equity conversations he'd been courting, what it took to get read and write access out of Toast (a six-month fight and an ultimatum), and why he thinks most SaaS vendors serving restaurants should be nervous. Bob mirrors it with his own build — then demos it live, asking his business out loud how the McAllen Dairy Queens are performing. They get into the CAC problem most operators ignore, why Alex awards franchisees instead of selling to them, the commissary model behind the G5 Restaurant Group deal, and the goal he's actually chasing: $5 meals and 100 million lives fed by 2030. Plus the emo band ambush and a live walkthrough of the app. 0:00 Cold Open: A Secret App 0:38 15 Months Later, He's Back 1:03 Meet ForkPulse: Garmin, Toast, and In-House AI 3:16 Six Patents and a Closed Loop 4:29 "How's Corporate Pushing AI?" — "They're Not." 6:04 Imposter Syndrome and Hiring People Who Care Too Much 8:30 Zero Outside Capital: Why He Walked Away From VC 10:04 The CAC Problem Every Restaurant Ignores 17:56 Selling What You Built For Yourself 19:28 50 Restaurants, 950 Employees, 100% Turnover 28:52 LIVE DEMO: Talking to Your Own Business 30:33 The Toast Ultimatum 33:00 Award Franchisees, Don't Sell Them 39:51 $5 Meals and 100 Million Lives by 2030 41:04 G5 Restaurant Group and the Hub-and-Spoke Model 47:54 The Telehealth Play 54:04 AI Will Reform Industry by Industry 1:00:39 Surprise: His Emo Band on Video 1:02:03 The Gift He Sat On For 15 Months 1:11:06 Band Kid to Dentist to Bodybuilder to Founder 1:14:26 App Demo: Macros, Coach, Order in Four Taps 1:18:05 Why SaaS Vendors Should Be Scared About Alex Velasco: Co-founder of Fork To Fit and The Grill, built with no outside capital alongside his partner Jose. Self-taught developer behind ForkPulse — 6 provisional patents, official Garmin partner, integrated with Apple Health, WHOOP, and Toast. Former competitive bodybuilder, biology graduate, and before all of it, a teenage guitarist in the RGV emo scene. About us: Bob Lozano is the CEO of F&P Group, a company involved in restaurant management, commercial real estate, and digital marketing. Coming from a family of franchise owners, he's a passionate entrepreneur who builds successful businesses and creates positive company cultures. Interested in starting, growing, or improving your work with multi-unit franchises? Learn more below.

We are the only creatures in the known universe that uses an indirect form of exchange." That's how Terrence Howard opens this conversation and for a podcast called Life Currency, it's the perfect place to start. The Oscar-nominated actor sits down with Bob Lozano for a wide-ranging conversation about currency as flow rather than debt, why he spent his early acting career believing "being the better liar was the way," the five generations who lived in his childhood home, and the geometry project he says he's building in the Rio Grande Valley. #TerrenceHoward #LifeCurrencyPodcast #RGV #Brownsville #Philosophy #Acting Life Currency sits down with Terrence Howard for the first celebrity episode of the show. Terrence opens on currency itself, that money is an indirect form of exchange, and "current" means flow, not accumulation. He talks about the garden where he does his thinking, what Deepak Chopra taught him about dissolving ego, and the turn in his career when he stopped performing and started telling the truth: "When I first came into acting, I thought that being the better liar was the way." He shares what may be the most revealing line he's ever said about himself — "I feel like a fraud as an actor because I'm always doing an impersonation of Terrence Howard" and the memory of his great-great-grandmother's warped applesauce pan that still transports him every time he smells cinnamon. He and Bob also trade notes on the restaurant business through Terrence's wife, a chef whose sold restaurants still hold four-and-a-half stars twelve years later. 0:00 Cold Open: Currency as Indirect Exchange 3:11 Currency as Current — Flow vs. Dollars 6:20 The Garden Where He Thinks 7:41 Deepak Chopra and Dissolving the Self 9:29 "I Thought Being the Better Liar Was the Way" 12:02 Seeing God in the People You Meet 19:07 Men, Women, and the Praying Mantis Marriage 24:31 Influences: Alan Watts, Walter Russell, Gibran, Coelho 30:10 Geometry, Hydrogen, and the Linchpin 34:56 "So It's a Drone?" — The Linchpin Explained 40:28 On 432 Hz 44:30 His Wife the Chef & Bob on Kitchen Life 50:14 Cinnamon, Five Generations, and Memory 54:40 Neuroplasticity and Being the Outsider 1:01:20 Gifts and Closing Thoughts About Terrence Howard: Academy Award-nominated actor known for Hustle & Flow, Crash, Iron Man, and Empire. In recent years he has focused publicly on his independent research into geometry and propulsion systems, and says he is developing a technology he calls "the linchpin" in collaboration with partners in the Rio Grande Valley. About us: Bob Lozano is the CEO of F&P Group, a company involved in restaurant management, commercial real estate, and digital marketing. Coming from a family of franchise owners, he's a passionate entrepreneur who builds successful businesses and creates positive company cultures. Interested in starting, growing, or improving your work with multi-unit franchises? Learn more below. Produced by F&P Media *Life Currency by F&P Media features candid conversations with guests sharing their own stories and opinions, for informational and entertainment purposes only. See the full disclaimer above. ⚠️ A NOTE FROM F&P MEDIA: The scientific, mathematical, historical, and technical claims made by our guest in this episode are entirely his own. F&P Media and F&P Group have not independently verified any of them, do not endorse them, and they do not represent the views of our company, partners, or affiliates. This episode includes discussion of a technology our guest says he is developing and for which he states he is seeking business partners. F&P Media has no financial interest in, and has performed no due diligence on, any venture discussed here. Nothing in this episode is an offer, solicitation, endorsement, or recommendation to invest in or partner with any business, and nothing here constitutes investment, financial, scientific, or professional advice. Any references to third-party organizations or institutions reflect the guest's own statements, which we have not confirmed. Please research independently and consult qualified professionals before making any decision based on this content.

🍦 THURSDAY, JULY 30 IS MIRACLE TREAT DAY. Every Blizzard sold at Dairy Queen on July 30 becomes a donation to Children's Miracle Network — and at every F&P Brands Dairy Queen, 50% of ALL Blizzard proceeds go directly to Driscoll Children's Hospital, the Rio Grande Valley's only designated pediatric hospital. F&P has been giving since 1987. This year, we need you. ▶ Find your local Dairy Queen: https://www.dairyqueen.com #MiracleTreatDay #DairyQueen #DriscollChildrens #CMNHospitals #BlizzardForACause #RGVGivesBack #LifeCurrencyPodcast Life Currency sits down with Matt Wolthoff, President of Driscoll Children's Hospital RGV, and Laurie Lozano, President of the Driscoll Development Board and Bob's mother, for the real story behind Miracle Treat Day, the hospital your Blizzard helps build, and why one Rio Grande Valley family has been showing up for Driscoll since 1987. Bob shares candidly what it was like to be a father in the NICU with his newborn son Leonardo. Matt walks through what it took to bring the first designated children's hospital to the Rio Grande Valley — 134 beds, a brand-new PICU, a 63-bed NICU, and an ER that's led the nation in patient experience for six straight months. Laurie shares the story of the $1 million Lozano Family Endowment — the first major gift to Driscoll RGV — and the Clara Driscoll history most people don't know: the savior of the Alamo who left her entire 200,000-acre South Texas estate to found the foundation that would one day serve Bob's son. And they meet Tesla, the Golden Retriever who lies on the CT scan table so kids have something to rest their head on. This one is personal. Please show up July 30. 0:00 Cold Open: "We've Been Giving Since 1987" 0:20 Welcome + What 8-Year-Old Matt Would Say 3:16 Mom Joins the Show — Miracle Treat Day Countdown 6:06 Shout Out Leonardo: A Dad in the NICU 7:13 Meet Matt & Laurie: Two Boards, One Mission 13:39 The $1 Million Lozano Family Endowment 17:46 The Rio Grande Valley's Giving Culture 20:46 A Father in the NICU: Bob's Story 21:03 Only 2 Designated Children's Hospitals in South Texas 24:54 Inside the Hospital: 134 Beds, a New PICU, a NICU 40:44 #1 in the Nation for ER Patient Experience 43:05 Tesla the Golden Retriever & Child Life Specialists 57:32 Clara Driscoll: Savior of the Alamo, Founder of a Hospital 59:42 "Do It Now While You're Alive" 1:14:16 🍦 THE ASK: Visit Your Local DQ on July 30 1:17:00 Real-Life Legacy: Closing Thoughts About Matt Wolthoff: President of Driscoll Children's Hospital RGV in Edinburg (opened May 2024). Air Force veteran and career healthcare administrator in the RGV before joining Driscoll 4+ years ago. Leading the only designated children's hospital in the Rio Grande Valley — 134 beds serving Port Lavaca to Eagle Pass and now expanding into El Paso and New Mexico via the cardiovascular program. About Laurie Lozano: President of the Driscoll Development Board and F&P Group co-founder. Bob's mother. Longtime CMN Hospitals advocate and driving force behind the Lozano Family Endowment — the first $1 million major gift to Driscoll Children's Hospital RGV. About us: Bob Lozano is the CEO of F&P Group, a company involved in restaurant management, commercial real estate, and digital marketing. F&P Brands has operated Dairy Queens in South Texas since 1987 and has participated in every Miracle Treat Day since. Interested in supporting Children's Miracle Network beyond the Blizzard? Learn more below.

Welcome to Life Drops — the essential cuts of Life Currency episodes, built for multi-unit operators who want the lessons without the hour. This is the inaugural drop: twenty-five minutes of every tactical rule, every quotable line, every hard-won franchise insight from Life Currency's very first episode. Luke Ryner is the franchise banker who finances multi-unit QSR and hospitality operators from LA to New York, and in this condensed cut he shares consistent persistency (including the 13 emails it took to land one of his closest client-friendships), the 10-unit threshold every operator should know, why "you don't build stores to have stores," and the Robert Lozano advice that changed his career: "if you want to lay bricks, talk to a bricklayer."   #LifeDrops #Franchising #MultiUnitOperator #QSR #FranchiseLending #LifeCurrencyPodcast   ▶ Prefer the full conversation? Watch the original long-form episode here:    • Why Franchisees FAIL Without the Right Ban...     Life Currency sits down with Luke Ryner, Managing Director in specialized-industry franchise lending, for a 25-minute concentrated cut of the very first Life Currency episode — every teachable moment, none of the filler. Luke walks through the culture rules of a remote team ("serving smiles: work hard, have fun, watch each other's back"), how his first boss's line "you can only control your attitude and your effort" became his career philosophy, the 13-email persistence story that turned a cold prospect into one of his closest friends and business partners, what second-generation family business trust actually looks like from a banker's view (including how Robert Lozano vetted him four years before doing any deal), why he flies to grand openings and hands out subs door-to-door with his Jersey Mike's operators, and the tactical spine of franchise scaling — the 10-unit threshold, why the 1→2 and 3→7 jumps are the hardest, and the mandate to keep cash and equity inside the company. He closes on the post-COVID QSR landscape, why "QSR is the king of vices," why Uber Eats fundamentally changed the consumer, which brands won't survive the next five years, and his personal goal inside the HCLF Bank + UMB merger — building the first bank brand he can call his own.   0:00 Cold Open: "If You Fail, We All Fail" 1:01 Building Culture on a Remote Team 2:46 The "Serving Smiles" Motto 4:02 Attitude + Effort: The Two Things You Control 4:30 Consistent Persistency & The 13-Email Client 5:55 Second-Gen Family Business & Trust With Robert 12:20 Grand Openings & The Jersey Mike's Best Friend 12:57 "QSR Is the King of Vices" 14:03 Why You Don't Build Stores to Have Stores 15:04 The 10-Unit Rule & Keeping Cash Inside 17:06 "Talk to a Bricklayer" — Robert's Best Advice 20:22 Uber Eats & The Post-COVID QSR Shift 22:04 The UMB Merger & Luke's Big Goal 24:22 Outro   About Luke Ryner: Managing Director of specialized-industry franchise lending. Finances multi-unit QSR, restaurant, and hospitality operators (10-unit-and-up) from LA to New York. Currently at HCLF Bank, now going through the UMB merger. Runs a remote team across Iowa and Colorado Springs. Direct working relationship with Robert Lozano (F&P founder) for 4+ years — Robert personally vetted him before any deal ever closed.   About us: Bob Lozano is the CEO of F&P Group, a company involved in restaurant management, commercial real estate, and digital marketing. Coming from a family of franchise owners, he's a passionate entrepreneur who builds successful businesses and creates positive company cultures. Interested in starting, growing, or improving your work with multi-unit franchises? Learn more below.