I met Pam in 1970 while still in high school. We graduated high school in 1974 and were married in 1976. Our oldest son, Duston was born in 1982 and he and his wife have now blessed us with three awesome grandsons whom we love to death. Many of you know Duston, he works with me doing all the techy stuff but occasionally you’ll catch him in a video from time to time.
Our second son, Kevin, was born in 1987 and is married living in Baton Rouge, Louisiana. They have a baby girl who was born January 8th, 2015!
In 1970 I landed a job in one of the local nurseries. I had no interest in plants, but I needed a job!
This was a large wholesale nursery so in my two years there I learned a lot and I think I did every job in the nursery at least once.
First two days I pulled weeds for 8 hours. Actually I had to work two days before the boss would he tell me that I was hired. He said; “Work Saturday and Sunday then come and see me on Monday afternoon. If you’re any good you’ll have a job.”
I wanted that job bad so I bent over at 7:30 am and never stood up until the end of the day. I’d never seen so many weeds!
In those two years I:
Pulled weeds, carried buckets and buckets of wet sand building mini-hoop houses. Actually the buckets were 5 gallon nursery pots with holes in the bottom. So the cold water drained out the bottom and ran all down the front of you for 8 hours. And building hoop houses is an early winter sport, so as you can imagine, having on wet clothes all day took most of the fun out it. I pulled orders, loaded semi trucks, picked up balled plants in the field, made cuttings, worked on crews machine digging balled trees, worked on bare root crews, packed bare roots plants into packages during the winter, made cuttings, potted thousands of plants and last but not least shoveled chicken stuff.
I also spent some time driving truck and picking up plants from other nurseries. I met a lot of people who would later be important in my business life.
I couldn’t wait to get out of that nursery and after high school graduation I went to work for a landscape contractor. I liked landscaping and quickly realized that while working in the nursery I learned a lot more about plants than I had realized. In 1976 I started doing some landscaping on my own, on a part-time basis.
I needed a winter job so I took a job delivering gasoline and fuel oil to homes and small businesses. This job took me into even more nurseries. Since it was winter they weren’t that busy and I’d visit with them in their greenhouses, picking their brains as I watched them make cuttings, all the while making mental notes. I had no idea that I’d ever use that information, but it was compiling in my head.
In 1979 I took the plunge and went “whole hog” as they say into the landscaping business on a full time basis. I bought a lot of equipment and took on a lot of debt. I also started growing nursery stock, and had two fields full of plants.
By late 1979 the economy took a huge downturn and the entire country was in a major recession. By this time I had only been in business about six months.
Home interest rates shot up to 14%, so you can imagine what the interest rate was on credit cards and other debt.
I was in serious financial trouble, but I didn’t know it yet.
I hung on kicking and scraping trying to find enough landscape work to pay my enormous monthly bills, but it was getting more difficult by the day.
In the fall of 1980 I had landscaped the home of a local nursery owner who had a very large bare root operation so I went to work for him in the late fall helping to get all of the bare root plants dug and into the barns. Then we’d spend the winter working in the barn grading plants and making hundreds of thousands of hardwood cuttings.
I spent two winters working in those barns and learned a lot. Of course by then I was very active in the landscaping business so I spent a great deal of time at wholesale nurseries buying plants, and of course picking their brains all I could.
By August of 1983 things had really gotten difficult for me, and I just couldn’t see how I could hang on any longer. I was desperate and depressed.
But one day while driving to a landscape job I got an idea . . . a way to sell “really easy to do” landscape jobs. You know, those quick and easy jobs where you can make a few hundred dollars in just a matter of hours.
It was a long shot, and huge gamble, but I was desperate.
So I took the grocery money, the last $150 I had to my name, and bought an advertisement in a small coupon book, hoping and praying that it would work. The coupon book was scheduled for mid September, but the guy selling the ads didn’t pay the printer so the coupon book did not get printed. (Apparently I wasn’t the only person struggling in 1983.) Eventually they got it worked out and the coupon book was mailed in mid October, but it was already too late in the season to sell any landscaping.
I least that’s what I thought.
All of a sudden the phone started ringing and within days I sold $5,000 worth of really easy to do landscape jobs.
I couldn’t believe it! The ad actually worked! I was excited.
Meanwhile they had turned off my electricity at home, but at least now I had the money to get it turned back on.
I also had a little problem with the IRS and now I was going to be able take care of it.
Actually it wasn’t that little, I owed them about $5,600 and they were piling on the interest and penalties. That was a lot of money in 1983.
But they told me that if I brought them $1,200 by November 1st they’d reinstate my re-payment agreement. Since I was busy I was letting the money build up in my checking account so I could pay them as promised on November 1st.
On October 21st it all hit the fan. All of a sudden my checks started bouncing like crazy from everywhere. I had been doing a lot of landscaping so I was writing a lot of checks for plants, topsoil, mulch, labor and past-due bills.
All of sudden all of those checks bounced, and it seemed like it all happened on the same day. My bank was calling, my suppliers were calling, and I had no idea what was wrong, so I went to the post office to get my mail.
The IRS had attached my bank accounts. Despite the fact that the woman in the IRS office told me I had until November 1st to catch up my payments, which would have been a total of $1,200, she decided to help herself to all of my money nine days early.
When she asked me these two questions I should have seen it coming:
“How are you going to make that payment?”
and . . .
“What bank will you draw that check on?”
We agreed to a payment of $1,200.
She took all the money that we had, which amounted to $2,200. And she took it 9 days sooner than we agreed to. Because they took all of the money in all of my accounts and I had already written checks on close to half of that money, many of my checks bounced.
The check I had written for my commercial business insurance bounced. The next day one of my employees rear-ended a car with my dump truck pushing that car into another and injuring and hospitalizing one person.
This was getting uglier by the second.
The girl at the bank called out of a courtesy to me and said two of my checks were returned NSF and offered to hold them for a few days until I could make them good. I’d been banking there for years and had never bounced a check. I had to tell her that I could not make them good and to do what she had to do.
We had $1.79 in Savings and IRS took it!
They cleaned out my business checking account, Pam’s personal checking account, and we had exactly $1.79 in our personal savings account. The bank actually wrote out a cashier’s check for $1.79 to the Internal Revenue Service with me as the remitter.
At the time I was devastated and couldn’t even think straight. But today I wish I’d kept the receipt they mailed me for that $1.79 cashier’s check made payable to the IRS. I’d hang it on the wall of my office as a reminder of how far we’ve come.
Soon it was December 1983 and I was as broke as you could get.
I had no money, no credit, no job, a wife and a baby. And I was now mentally defeated.
I realize that I owed the IRS the money because in those 4 years in business we had one fairly profitable year and I had no idea that I was supposed to be making estimated tax payments. I was very young, but I was smart enough to hire an accountant.
Just not smart enough to hire a good one.
I went to see an attorney and he told me I had no choice but to file bankruptcy.
That hurt more than you can ever know.
I just couldn’t understand how you could work so hard, treat people fairly, run an honest business, and end up in this much trouble. But it happened, and it’s difficult to even write about it today.
I’ve decided to share this painful story because it’s part of my life, and it was pivotal in how I ended up doing what I do today. I want people to know that I didn’t learn this business by reading books written by others. I learned it crawling around on my hands and knees in the dirt, trying to feed my family after my first business failed.
The attorney told me that once he filed the papers the creditors would have to leave us alone and we could start rebuilding our lives and using our bank accounts again.
A year earlier I had started doing residential furnace repairs during the winter to offset the seasonal landscaping business, so in December we got a cold snap and I managed to earn $500 in a few days. I put the money in the bank so we could pay some bills and the IRS took it!
I called my attorney and he just shrugged it off. Finally he agreed to give them a call and they immediately put the money back in my account. That made me feel better. The next day the bank took my $500 and refused to give it back because I owed them money. They suggested that I could sue them.
There went my $500. I was broke again.
By spring of 1984 I decided that despite all of the setbacks, I was going to start my business all over again because I knew when I ran that little ad the previous fall, right before it all hit the fan, that I was onto something.
But this time I had no money nor credit to get started again. I’d have to start with absolutely nothing. Which by the way, I something that I tell My Students. You don’t need a lot of money and you don’t have to go into debt to Get Started Growing and Selling Small Plants. Starting from scratch is really the best way.
Nobody supported my decision to start back up. And I mean nobody. This time I was on my own.
1984 and 1985 went okay. I made some money and managed to keep my bills paid. But by mid 1985 I was tired of constantly hustling a buck anywhere I could to make ends meet, so in the fall of 1985 I took a job as a meter reader.
At least I now had benefits and a paycheck every week. I was 29 years old and we had a three year old son.
I kept landscaping and repairing furnaces in my spare time. Of course it really wasn’t “spare” time because I was working non-stop, day and night.
For the next 11 years I worked at my day job and worked evenings and Saturdays re-landscaping three homes a week from April through September. Trust me, re-landscaping three homes a week is no easy task. It took every once of energy that I had.
During the fall, spring and winter I repaired hundreds of furnaces at all hours of the night. Often going days with very little sleep. Keep in mind, by then I had a full time job so even if I was out all night repairing furnaces I had to be at work at 7:30 am each day.
We managed to pay all of our bills, and I went back and repaid all of the nurseries and other suppliers that I owed money to when my business failed. Three years later we bought our first house. By that time we’d been married 12 years.
For those first 12 years we had rented this little tiny, not-so-nice of a house. But the elderly lady we rented from turned out to be a great friend. At first she was very stern and businesslike, but when we got into trouble and were late with the rent she was very kind and most considerate of our situation. When I attended her funeral I couldn’t help but think about how kind to us she had been. There’s still a special place in my heart for her.
By then it was 1988.