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The Propeller – 100 Million Pennies for Your Thoughts…. – 11-9-2025

Finance: 100 Million Pennies for Your Thoughts

A local grocery store chain in Ohio/Pennsylvania, Giant Eagle, says it “collected over 100 million pennies” – about $1 million – a week ago during a promotion they conducted.  With the federal government ceasing production of pennies, they have been hard to come by.  So, Giant Eagle decided to ask its customers to bring them in.  For every penny you brought in, you got 2 pennies in store credit.  You could double your money!

So, how deep were peoples couches and penny jars?  Pretty deep, I’d say!

Giant Eagle needed these pennies to “make change” and gave people gift cards for double the amount! Score!

But this wasn’t charity. Giant Eagle isn’t a bank. Was this out of the goodness of their feathered heart? Nah, definitely not!

It was a million-dollar marketing masterclass.

You gave them cash. They gave you store credit. That money now lives inside their system, not yours.

A few fun facts:

Nationally, 10–19% of gift cards go unused. That’s $100K–$190K they keep. Boom!

Giant Eagle makes their own prices and decides markup. Their “$1 in value” costs about $0.60 on average to fulfill. Boom!

Even 10% of participants becoming repeat shoppers adds $3–7M in long-term profit. Boom!

Gift cards count as deferred revenue – meaning they can delay taxes on that $1M until redemption. (If it ever happens) Boom!

Besides “good will” and “great press” the estimated benefit to the Big Bird is somewhere between $4.5–$8.5 million. Ba-boom!

Giant Eagle turned pocket change into a profit stream, tax break, and loyalty program; all while making you feel like you scored a deal.

 

Entrepreneurship: Ray Kroc Proved Everyone Wrong

Ray Kroc Proved Everyone Wrong

Broke at 52. Billionaire at 59.

That’s how Ray Kroc did it.

At 52, Kroc was a failing salesman driving his Cadillac across America selling milkshake machines. For 17 years, he hustled with little to show for it. He was divorced, broke, arthritic, and diabetic. Most people at that age were thinking about retirement. Kroc was thinking about survival.

Then came the phone call that changed everything.

A burger stand in California wanted eight of his mixers. Nobody ordered that many. He had to see this place for himself.

When he arrived in San Bernardino, he saw something revolutionary: two brothers serving burgers and fries in 30 seconds—perfect every time. Same quality. Same speed. The line never stopped.

Everyone else saw a successful burger stand.

Kroc saw a system.

 

True Story of Ray Kroc: The Founder of McDonald’s - Average Joes


He understood what the McDonald brothers didn’t: the real value wasn’t in one restaurant; it was in the process. A system that could be copied, scaled, and repeated everywhere.

At 52, he opened his first McDonald’s franchise. He obsessed over every detail. Scraped gum off parking lots himself. Timed every process. Enforced strict standards: Quality. Service. Cleanliness. Speed.

For years, he barely made money. Lived on his wife’s income. Nearly went bankrupt. But he kept building. Kept refining. Kept pushing forward.

Then came the breakthrough: real estate.

Buy the land. Lease it to franchisees. Control everything. That’s when McDonald’s exploded.

By 59, Kroc bought out the McDonald brothers for $2.7 million. From there, he scaled relentlessly. Big Macs. Egg McMuffins. Drive-thrus. Playgrounds. Every innovation designed to serve more people faster.

When Kroc died in 1984, McDonald’s had over 7,500 restaurants. Today, it serves 70 million customers daily in 100+ countries. All because a 52-year-old broke salesman refused to quit.

Why This Matters to Me:

Besides working at Microsoft (Which I just got promoted to a new role that I’m totally stoked about), I’m an entrepreneur building something of my own right now: Tapitude (
http://www.Tapitude.com)

It’s a company with many lines of products with an NFC chip that delivers content, from faith-based content under the brand LiahonaLINK (
http://www.LiahonaLINK.com), to dopamine-boosting content under brands Zenergy, TapIn, and Boost all by simply tapping it with your phone. Why? Because we live in a world drowning in distractions, and we believe we can turn technology into a tool for intentional joy instead of mindless doom-scrolling.  We are also developing a content delivery mechanism that social media influencers can use that highlights their talents, rather than burying it with others.

Some days, it feels like I’m pushing a boulder uphill. But stories like Kroc’s remind me: quitting is the real enemy. Obstacles aren’t the end; they’re just part of the climb. The only way forward is to keep moving, keep building, and refuse to give up.

So, here’s my challenge to you (and to myself):

Stop looking at the surface. Start looking for systems. Perfect your process. Scale relentlessly. And never let anyone tell you it’s too late to build an empire.

Because you have two choices: Give up or go all in.

Ray Kroc went all in. And changed the world.

Think big. Build bigger. Tap into your own potential.

Life: 912 Hours: The Hidden Cost of Watching TV

The average American spends 2.5 hours a day watching TV. That’s 912 hours a year, nearly 38 full days spent passively consuming instead of creating.

Think about what you could build in that time:

 

  • A side business
  • A new skill
  • A healthier body
  • Stronger relationships with friends and family


TV isn’t evil, but it’s a trade-off. Every hour you watch is an hour you’re not investing in yourself. Imagine what your life would look like if even half of those hours went into building something meaningful.

Next time you reach for the remote, ask yourself:  Is this helping me create the life I want, or just filling time?

Quote of the Week

“Almost everything will work again if you unplug it for a few minutes, including you.”
Anne Lamott

 

Rest isn’t laziness, it’s maintenance!

When your mind feels cluttered and your creativity runs dry, that’s not a sign to push harder, it’s a signal to pause.

Step away. Breathe. Let the noise settle.

Clarity rarely arrives through effort. It comes when you stop forcing it

Life is short, eat the cookie, 

 


This is re-published from the weekly email sent by Leonard Mack entitled The Propeller.  To subscribe, visit https://www.LeonardMack.com/subscribe and read it every Sunday evening.


This intellectual nourishment is intended for informational purposes only. One should not construe anything herein as being legal, tax, investment, financial, or other advice.


My rule is this – I have no advice to give, only experience to share. I have no interest in being a guru or telling people what they should do. Rather, I share my own experience because there is no right or wrong. Your mileage may vary.