From Hamster Wheel to Purposeful Living: Adaptive Movement Autism and Realistic Fitness Advice for Everyday Routines

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Foreign.

Welcome to another episode Crazy Fitness Guy Healthy Living podcast last week on motivation.

This Crazy Fitness Guy today is my guest.

We're just going to dive right into the episode.

We're going to be talking about purposeful living through actionable lifestyle steps and we're going to be.

His name is Dwight Heck.

And we're gonna just dive right into this episode.

Let's get started.

Hello.

Hi.

How are you doing?

Good, how are you?

Fantastic.

Before we get started, can you tell us a little bit about who you are, what you do, how you got started and why you got started?

Who I am I'm Dwight Heck.

I have been in financial planning and lifestyle coaching for the last 21 years.

How I got started in the industry, I prior to this I was a computer consultant and ran also a computer service and retail company and started having health effects and was raising kids.

I was a single dad of now they're five adult kids and wasn't necessarily understanding the rules of the money game and understanding how to live a purposeful life and not a life of accident like many of us live around the world today.

So thus I was living on a hamster wheel, right?

Going to work, go home, get paid, made getting things done, but never really understanding why sometimes I had more money than other months.

Right?

Because I wasn't living a life based on needs versus wants.

I really wasn't.

Had never been taught budgeting.

Most of us were never taught how to goal set and budget our money so that we have more days in the month than we do money, right?

So that's how most of us live, unfortunately is we have, you know, 15th of the month, 20th of the month, rowels around.

Our money's gone.

We've.

We don't understand why.

Because we'll go out and purchase something for 100 bucks because it's in our bank account but don't have anything documented to show that we have a payment that needs to be made the next week for that for $125.

So even before we spend that $100, we're already going to be behind the eight ball by $25.

And you know, I got reached out by Somebody and said, you know, you're really good with people, you're really good with, you know, being relatable.

And we think you should get into financial services industry and, you know, teach people how to live life better.

But before you can do that, we need to teach you how to do it for yourself, right?

You're a six figure income earner, yet you're living from hand to mouth.

We've known you at this point in time.

The person that reached out to me had already known me for over a decade and he said, you know, you've got to get your life into, under control.

I've just finished going through this process myself.

It's done a ton of difference and made a ton of difference for me in my life.

So I got involved in a financial services industry.

I didn't like the traditional way of, you know, press hard on paper, you know, three copies, here's your copy.

See you never after the fact.

I wanted to build something where it was truly built on relationships and education and teaching people how to get off the hamster wheel of life and live a purposeful life, right?

And that's what my book is basically about, how to live life on purpose, not by accident.

And it doesn't matter what age somebody is, they can learn how to understand the rules of the money game.

They can learn how to live that purposeful life.

And it's not always about numbers, it's not always about money.

It's about working on our six inches between our ears and understanding what our life monsters which tie to our money monsters and why we got into these circumstances.

Our parents are people that have supported or raised us throughout our lives, our community, our circle of influence that's around us doesn't know how to do it right themselves, so they don't know how to teach it right.

And the education system fails us and continues to fail us in North America and around the world and teaching us how to understand even the, you know, how to live life in regards to dealing with anxiety, stress, how to plan for tomorrow, how to plan for six weeks from now, six months from now, and retirement.

So that's basically how I got involved in it because I was tired of living on that hamster wheel and going to bed in quiet desperation at night and trying to live a life that was purposeful, yet having to hide it all from my five kids as a single dad, supporting them, right?

So it just, it happened.

I got involved in it.

I'm a tenacious personality and I've spent the last 21 years building on that and you know, continually fine tuning it so that I can help people through those hills and valleys.

Because though it's easy to do it, it's mentally and emotionally very taxing.

You hit a lot of great points and I want to touch on a few before I ask you a few questions.

Sure.

So I like how you said that the school systems fail at teaching just financial stuff in general because someone told me, I forget who, but I remember someone telling me that kids these days, not even my generation, but the generation after my generation, doesn't even know what cash looks like anymore.

And the reason why is because everything is on a credit card.

And I was like thinking like that's a little bit sad because, you know, and I should really clarify it and I don't mean the dollar cash.

I should have said what quarters and dimes and nickels and pennies look like because no one uses it anymore.

Or I should say very few people that I've seen use it because in this day and age and economy, not talking about politics, but let's just be realistic, everything is high in prices and whatnot.

And I admit that I also use a credit card because I don't know what the price is going to be at the tax and so on and so forth.

Unless you're looking back and buying a three year product that's like 99 bucks.

Then again, whatever tax it is in your state, etc.

Can probably figure out the math for that, but chances are you're probably not buying a three year old.

Well, I mean I did, but that was only because I wanted to read a different type of book than a Kindle.

But anyway, I digress.

But I like that you said that because I really feel like colleges, high school, maybe even middle school level, say maybe middle school level, we talk about budgeting, how to set a budget, what a budget looks like, how to live on a budget, etc.

And so have a little bit wants and not wants a balance in so you don't go over your budget and left with the bill that you can't pay or have to just pay the interest on.

And so that the full amount of the credit card it'd be like, oh, pay 35 bucks.

And then it just rolls into the next month and in the next month.

And so I agree with that.

And then I also agree that it is an annoying hamster wheel that we tend to get on.

We need to make a huge living and pay insurance, pay this, pay bills and whatnot.

And I see myself getting in a rut like that.

And it's like, how am I going to make this for my business?

And I said, you know, Jimmy, you're in school still.

Once you graduate, you can start thinking of that.

And it's like, live now.

Don't worry about four more years down the road.

I was like, live and then now, damn it.

And I keep reminding myself because my brain tends to wander.

And plus, I have some people not going to mention by name or by who they are, but sometimes tend to remind me.

It's like, you know, you're gonna have to make more than this.

It's like, stop doing this to me, damn it.

And I try to tune them out as best as I can.

So I just wanted to touch on those points.

So my next question, my first question for you is, and this might sound like a very amateur question, but I want to ask, and I think my listeners appreciate me asking this, how do you start a budget and how do you stick to it?

Well, first and foremost, in order to start a budget, you need to know what you want out of life.

You need to understand the differences between what I referred to as needs and wants.

So if you're a young individual and you're just moving out on your own, you know, you're removing from your mom and dads and.

Or you go through tragedy in life and let's say you get divorced or you lose your significant other, it's not even somebody that's young that needs to worry about it.

You got to understand, what do you need to survive in life?

Like a comfortable survival, right?

Not.

Not just struggle.

So what do you need?

You need to pay rent.

You need to pay some utilities.

Maybe you have a home and you got to continue to pay the mortgage.

You got car insurance, you got gas.

Maybe you want some haircuts, you want to go on a vac.

So I literally goal set with people and say, what do you want?

Here's a list for an example.

There's a list of 10 things that I go through with people and say, what's your top three?

I can help them with all 10, but what's their top three?

You know, maybe it's.

Maybe they're a young person that's already gotten in debt like you were talking about.

They got a credit card, they can't pay it, and then it rolls to the next month so they'll check off.

They want to get out of debt.

They want to save for retirement.

Because even though we want to live for today comfortably, we still have to worry about our future.

Though the future is Uncertain.

We can't promise we're going to have that future.

We still need to put part of that into our goal setting.

And why do I say all this?

Because it ties directly to your budget.

So now in your budget, we're going to list all your different items that you need.

Need, again, referring to, not wants.

Want is wanting something that I want.

You know, let's say even.

Doesn't matter what age you are, you have a bill that's due, that's $150, and there's a concert you want to go to or you want to go out to a movie and, you know, supper, and you want to do a bunch of things that's going to be 150 bucks.

Well, one's a need and one's a want.

Right?

Going out as a want and understanding that and starting to program your 6 inches between your ears to understand the difference between a need and a want.

Now, when you detail all your things down in your budget, like literally everything I'm talking about, from your food to your car insurance, your gasoline, if you don't have a vehicle and you need to buy a bus pass every month, it needs to be in there.

If you have haircuts, it needs to be put in there, because it all comes out of the same pool of money.

So the more detailed your needs are on there, and then you look at, well, here's some of the things I want, and you put those in there, too.

Now, in the spreadsheet that I do with my clients, at the top, you're going to put in your income, what is your net income?

And at the bottom, you're going to have all your expenses.

At the very top, it's going to say, here you have an overflow or a shortfall, Right?

And a shortfall isn't what we want.

If all of a sudden you have a shortfall of $200, we're going to go through your budget, we're going to look at it, and I'm going to question, is this a need or a want?

Because initially, people don't understand.

So you teach by example and you have conversations.

That's the biggest thing about financial education.

Helping people with lifestyle coaching is having conversations to find out what are their money monsters, what were their life monsters growing up?

How are they educated, and what did they learn?

So, you know, it's not just that we sit down and let's do this budget and put all these numbers, and I have multiple conversations with people to find out what are their goals and then apply that into the budget.

So if they're in debt, that's a need to be inside your budget and then teach them processes called debt roll up to get rid of that debt so that it's not hanging over their head the rest of their lives.

They can free up that money eventually, and then that money can be used for some of the other things they want in life.

Maybe they want to go on a vacation, you know, for a couple weeks, and they've never been able to.

And I can teach them how to save using different, you know, pots of money or bank accounts, however you want to look at it, where they now, their debts paid off because we've used this budget effectively, they can save $200 a month instead of putting that against the debt.

The debt's gone.

They don't get into debt anymore.

Because now they understand some of the things that got them in debt were wants.

They weren't needs in order for them to survive.

Now, if something happens in an emergency and let's use a vehicle or maybe they have an appliance in their place that breaks down or something breaks down and they don't have the extra money and they have to use a credit card, they'll understand, though, how to get rid of that debt quickly.

Right?

Because they had no choice but to use a credit card, a line of credit overdraft or whatever.

They'll look at their budget and go, you know what?

I had to put this in.

Now I'm going to have a shortfall this month.

And that shortfall, how am I going to take care of it?

Oh, the next month I was going to.

I had a couple wants in there.

Well, maybe I can take.

I'm going to have to take those couple wants out of there so that I don't stay in debt because something happened the prior month.

Now I have that debt, that $200.

Let's use that number again.

Was going to be towards some wants.

I was going to buy a concert ticket.

I was going to buy myself some new clothing, though I didn't need the new clothing.

It wasn't a need, it was a want.

I wanted to update my wardrobe.

So.

Well, those clothing is going to have to wait because I had to spend 200 bucks the month before.

I want to use that 200 bucks that I was going to use for wants.

And now it has to become a need that it goes against the debt.

And it's something that you literally, you live.

You live by it.

It's like a.

It's like a.

It's basically we Have a diet where people nutritionally live really well and they live a nutritional lifestyle.

Some people call it a diet and we follow that so that we feel better.

Well, a budget is a diet for your life.

It's not a bad thing though.

It's a nutritional way to feed your 6 inches between your ears so that you're always feeling confident in your financial life.

If you're confident in your financial life, you sleep better.

You're not living a life of quiet desperation.

You also eat better because when we feel financially strapped, a lot of people do what they, they depress and eat right or they eat through their anxiety and they eat unhealthy because they figure what's, what's the point?

I might as well and you know, enjoy something and then they get overweight or they become disease, they get disease or whatever the case may be, and then they feel they're 6 inches just doesn't feel well.

So budgeting is really a diet.

It is a nutritional way of living a healthy, you know, purposeful life.

I agree with all that.

I actually.

So there was a, let's just say, make a long story short, I had a big bill last month.

I bought a tool to help me pitch to people and places better to form me for helping me get speaking engagements.

And right now that was in ease because I'm not very good at simplifying text and bullet points and boom, boom, boom, boom, boom.

So I set aside some money for it and I had a few friends of mine ask me and say, hey Jimmy, do you want to go do something?

And yes, I would, but.

And I said to them, but I don't want to do something that will cost me more money at the moment.

So we decided, one friend decided to go to, we decided to go to a park and just because it was nice out, I mean, walked around and, and then the other friend I, we literally went to, he came to my house and we watched a movie either on Netflix or something.

And I was like, see, we're still watching a movie.

Okay, it's not in the movie theaters, but me and him can agree on something to go to see in movie theaters anyway.

And I just said, you know, I'd be willing to go to the movies at the.

Once I pay off this bill and pay myself back for this tool.

And, and I, and I had some plans set up to help me pay back from this tool.

So, and it's going to take me a couple, I planned it out.

That's going to take me a couple of months.

But as I It's going to be all worth it in the end.

Absolutely.

I'm glad you bring that up though, Jimmy.

So many people today, like, it took me years to figure that out.

That, you know what the pressure from outside influences like friends or family, hey, let's go out for supper.

Hey, do you want to meet up for this?

Do you want to do that?

I didn't necessarily have the money to pay for it, but it was.

I didn't want to let them know that I was broke.

We are afraid of what other people think of us when in the end of the day, the circle of people in our lives that we associate with should be understanding.

We shouldn't be afraid to be vulnerable and say, you know what?

I can't afford that.

Right.

Let's get together and watch.

It's go to the park and watch movie like you were saying.

You know, like, there's lots of clients that over the years, we don't necessarily meet up at their business or their home or they don't come to where I'm located.

And I'll say to them, hey, let's go out for, you know, let's meet, we'll have a bite to eat, right?

Well, I'll end up paying for it for them.

And it's an added cost on my life and it isn't something that is necessarily beneficial to both of us because I'm teaching them that we need to go and meet in an environment where I got to spend money now, you know, and.

Or I'll meet up with family or friends and I don't want to say to them, hey, you're gonna have to pay for your own food.

I'll, I can, I'll pay for mine.

I can afford that, you know, because they have an impression that I have lots of money.

So then I'll pay for both of our breakfasts or maybe there's three, four of us.

And really at the end of the day, I should have said, hey, let's go back to the house and I'll make you.

I'll make some eggs and bacon and some pancakes or waffles or, you know, I got some fruit there.

Yes, you still spend money on it, but it's a cost effective spending.

You still get to have that relationship and hang out and a lot of times it's better.

You don't have all that noise in the restaurant or, or at the movie theater.

Are you really visiting at the movie theater?

If you're watching a movie at home with your friends, you can pause it, you can go to the bathroom.

You can pause it and say, hey, Jimmy, did you see that scene?

Wasn't that hilarious or what?

What was that scene about, Jimmy?

I didn't quite get that.

You can't do that at the theater.

There's no real relationship or connection that.

And we are forced to think it as a society.

We have to run, to go out and spend money, to hang out, to make it a fulfilling connection.

And so I really like you bringing that up.

Thank you.

So my next question for you is, why do you think the systems in place, whether at school or college, do not teach this kind of stuff?

I feel like it would be helpful, like, even, even if it was a designated class in college.

It's like, why can't be part of everybody's major?

Because, like, every career involves money of some sort.

So it's like, why isn't that part of the majors?

It's like, it would probably be better than, let's say, art history.

I mean, unless it's not interested in art history, but, like, make it a mandatory part of the major.

You make statistics that I'm never going to probably ever use again.

I mean, I would use for my business and my marketing, but I wouldn't use those other kind of statistics that I'm having to do Z scores, T scores, and pep scores.

I did all those courses years ago.

I know what you're talking about.

So to answer your, your comment, your question, the harsh truth is, is that school is broken.

Whether it's, whether it's middle school, high school, college, university, it doesn't matter.

It is a business and it's.

And it is not about really uplifting and teaching people how to live a purposeful life.

Because there's a lot of things that they teach in school today, the courses and that, that are completely useless for your life that you'll never touch again.

Whether it is again, middle school, high school, university, college.

They should start off in the first year of any college or university.

They should start right away and later middle school into June, into high school.

Teaching people, this is what you need to utilize in regards to money.

This is a need, this is a want.

And use visuals and use examples, use case studies.

This is what can happen if you decide to do this.

This is what the repercussions are on your life.

But if they taught you that in school, all of a sudden, it would be a light bulb moment for a lot of people.

It would teach them that really, at the end of the day, they're paying for courses and paying for books that Aren't really a need.

They're not really even a want, because they really don't want to learn.

We'll use statistics.

I was in a program where they.

They taught me many useless courses where, you know, for some people, yes, it would be.

If you're going to be a mathematician, you're going to be somebody that's working in the sciences and, and require massive amounts of data and being able to analyze it.

You need to understand statistics.

You need.

Like, I went through electronics engineering and some of the classes that I were taught were completely useless for that program.

They were completely useless for me to be a better person.

They weren't teaching me anything except it was like a, you know, util Cha Ching.

All of a sudden they're charging me for this course.

They're charging me hundreds of dollars for the textbooks.

And the harsh reality is, is it's a business.

So if they restructure and make everything more effective, and this is what you need for what you want to do, and this is all you need to take.

All these are going to help you.

These are very, you know, strategic.

Here's the costs involved.

This is what you're going to do.

We're going to teach you how to not overspend for your schooling.

We're going to make it very effective and your life's going to be more purposeful.

It's going to be better.

So if they taught that stuff in school, they'd lose a lot of the workforce too, because they would be teaching people how to live a better life so they wouldn't be stuck in their jobs too.

They wouldn't get into a job where they feel obligated to stay because they didn't understand the needs and wants.

They got into a bunch of debts.

Now they're trapped in a job they don't like, working with people that aren't really favorable to them, growing it between their six inches.

The whole thing is a business.

It's designed to control.

Schools were developed to create a workforce.

If people do the research and you can even Google it, you will find out what I'm telling you is the truth.

It was designed to create a workforce, not to create free thinkers, not to create people living a purposeful life.

It was created to create workers.

It is a business that is booming and makes billions of dollars every single year.

Wow.

I feel like I just got.

I think.

I feel like I'm in the secret society at the moment.

This is not the.

What is it?

Illuminati.

I'm not part of that.

So My next, I want to touch on something real quick on that.

You know, I like it how you said.

It's a business.

It seems like everything in today's society is a business.

This is a business, this is a business.

And I'm like, that's too many gosh down businesses.

I made this for something as simple as I don't have a good example of that, but it just feels like this one random thing is a business and huh, it's like everybody's trying to make money off of one.

Like the very smallest crumbling you play is like you owe me for this.

And like huh, you didn't do anything for me, but you owe me for this.

The hell.

If only I could do that to like Google or something because like just where my brain goes at the moment.

It's funny, I was having this one issue for I actually posted this on social media so people want to go back to see it.

I tweeted to Google about this.

I was having this one issue of getting my stuff updated on Google News and I wrote to Google and said, hey, if you want me babysit your Google bots, I cost only a hundred bucks.

I only charge 100 bucks an hour.

I purposely did that just for Google because I like it.

And it's like, hey, this would be a really great business idea.

I was like just.

And I actually sent them my paypal link too just to really annoy them.

Good for you.

I bet you something on there and it probably is like who's this guy think he is telling us this?

Well, you know, back to the school thing.

As an added side note, most schools and universities and colleges in North America, in Canada where I live, and in the us most of the textbooks you're buying, a lot of times you don't even crack them.

You're lucky if you lose use 5% of it or they'll say you got to buy a workbook that you hardly ever use.

And a lot of that stuff's written by the professors and the teachers write that stuff and people don't even realize that they're making profit off of that.

They make money off of that.

So of course it's going to be in, oh, you want to take this, this program, you're going to buy it.

You have to buy all these books.

I can't believe how many of my clients today, their kids or even when I went through, through college, the books that I bought that I never utilized even 5% of them yet the books were ridiculously priced.

Yeah, exactly that thick, right?

They're like 34 inches thick.

My daughter graduated a couple years back from nursing school.

One of the books she had to buy was $dollars and she hardly utilized it through the program and found out the book was written by somebody at that school at that university.

Right.

So of course they're going to say that book needs to be bought.

They made profit off it.

The university sells it from the bookstore, they make profit off of it and the student gets a bunch more debt because they have to get bigger student loans or they got to maybe they tapped out their student loans like her, her boyfriend's a doctor and he's got excessive debt because of the amount of years they have to be in school.

Right.

Student loans only cover so much then they have to live off lines of credit to pay for all the books and the labs and all this stuff.

And a lot of it is so it's all a business.

It really is.

Like you said, everybody wants you to pay for that crumb.

I love how you put that.

One thing I really enjoy about some of my past professors they some of them actually have figured had cracked their code like what you said and they.

So let's say for instance my school used to have a bookstore.

I don't know if they have it online one anymore.

It's been a while since I actually took a look around their website.

I'm just like literally just gone the back end.

I might student portal and go to the tools I need where I don't browse much anymore so I forget what's there and what's not there.

But I think what they're trying to do now and I could be wrong so don't take my word for it but I believe some of the professors are now moving towards Amazon a little bit to for some textbooks and it doesn't matter if it's like the latest edition there might some except the earlier editions and like for instance this is one math point that I'm using this semester I think I think it was like 30 bucks and it was made by this third party company etc.

And what I like about that is because at least okay if I had to fork over money for the textbook at least it's not going to cost me an arm and a leg etc vs what my school bookstore used to when I was on campus and used to when I added up by I had this thing was I had this weird class name this weird I had to do this one class it was like Strategies for college Success.

This book was like this thick medium thickish and I don't think we even use like all of the book at all.

I think we maybe we used it for like five chapters and it was like over 100 something dollar book.

I'm like, I'm never ever going to open this book ever again.

And you won't.

And then some of these colleges and universities, you can resell books.

But though from one, I've heard this so many times from people currently in university or college or even back when I was or you know, in the 21 years, I hear from clients about their kids or even courses, they take that book from one semester to another.

They'll change, like you mentioned, editions.

Now it's a new edition and you're not allowed to buy the old.

You can't, so you can't go to the used book sale that they hold and save a few bucks because they've supposedly said this is the new edition and you have to buy that new edition.

And the new edition is always more expensive.

It's again, it's a money business.

Even the teachers or professors or the university or colleges, they're, they're in business.

That person that's teaching that course, if he has any say in that course, or the workbooks or the books themselves, of course they want to keep on making more money off of it because their, their desire should be there.

To educate, to build relationships, to help you nurture that spark inside your brain, that six inches between your ears, to help you elevate your life.

But really, at the end of the day, it all goes back to what we've been talking about.

Jimmy, it's business, it's a money game, right?

But that money game, it's okay to make money.

I want people to understand that it's okay to make money, it's okay to want to have more in life.

But your first goal should always be about the human condition, about educating and being responsible and building relationships.

And if you do things right, you're going to make money.

That's just the way it is.

But unfortunately they're first and foremost, it's business.

The relationship parts way in the bottom.

They don't, they don't think enough about it.

And this might offend people, but this isn't my first kick at the can I see it, I've been involved in it, I understand it and it hasn't changed.

It's actually gotten worse.

And it causes people to go to college or university and spend four or five, 10 years or longer after the fact trying to get rid of their financial burden.

That school Bought them and hopefully the financial burden.

They purchased the course, they took the, the program, they took the degree, they took that, you know, the whatever it is is going to actually make them enough money to pay it off.

Sometimes they come out of school and then they come out of school and maybe they get married and all of a sudden they got more expenses.

They have kids, they got more expenses.

And there's.

I have clients that I've sat with, brand new clients that have been straddled.

Twenty years later, they're still paying student loan debt off.

That's not the way life should be.

That's not purposeful living, is it, Jimmy?

No.

So my next question for you is how does one, I know we touched on it, but how does one go from like, besides the budgeting and knowing what's coming in and what's coming out of your finances, how does one live their life on purpose?

Besides just the financial part?

Is there any steps along the way?

Oh, absolutely, absolutely.

There's multiple steps.

That's a great question.

To live a purposeful life, you're right, isn't just about money.

It starts because in order to have the money aspect of it working, you have to change the 6 inches between your ears.

You have to change that programming that starts from a very young age of, you know, living on that hamster wheel.

We see our families live on that hamster wheel or, you know, associations around us.

We see them living on that hamster wheel.

We develop that same process.

And part of it has to do with society is conditioning us to be that great worker, to be stuck on that hamster wheel, to be in debt, to do that.

Don't pay a centimet, go buy this tv, this couch, go buy a vehicle, spend the next seven, eight years paying it off, pay all that interest to us because we want to become more wealthy.

It's not about you.

So we need to condition and teach people how to have a better mindset.

So what are you watching?

Are you watching?

And the type of TVs or movies and understand that it's an entertainment value or do you get sucked into the storyline of it?

And that storyline is showing people going out and living extravagant and you want what they have, right?

But the reality is in real life, very few people live in that extravagant world, right?

They don't live in that world of purposeful living.

So they need to understand what am I reading, what am I listening to, what am I watching, who am I associating with?

Am I associating people with people that have broke mindset that are constantly complaining about being in debt all the time.

They're constantly complaining about, oh, they're political.

They're complaining about the government.

They're complaining about how, oh, look at my neighbor, look at my brother, my sister, my aunt, my uncle.

Look at everything they have.

Look at what the Joneses have and the Smiths have, and I don't have any of it.

They're always being negative.

So they need to actually work on reading proper books.

Right.

The magic of thinking big.

How to win friends and influence people.

Right.

Different books that can help condition and change their mindset.

Right.

7 Habits of Highly Effective People.

Stephen Covey.

Right.

Just different things that.

Well, it takes.

It takes time, but you got to start that baby step to start somewhere.

So all of a sudden, instead of, if you're a podcast listener, quit listening to true, true crime podcasts.

Who cares about them?

Breaking down the fact that this serial killer that lived, you know, did stuff 20 years ago, that ain't healthy for your mindset.

That's going to make you fearful.

It's going to slow you back.

Listen to great podcasts like Jimmy's.

Listen to my podcast.

Listen to something that's going to teach you how to elevate your mindset.

So pick up those good books that do the same thing.

Listen to podcasts to do the same things.

Start going and associating with groups of people that have positive mindsets.

Right?

Yes.

It's going to be tough because we.

When you're stuck and people have been.

You're in the same programming over and over again, you need to find yourself also a great mentor, somebody that can coach you and say, what's going on, Jimmy?

Why are you feeling like that?

Like, what's going on?

Tell me the story.

Tell me, tell me, what's the root of this?

And Jimmy shares with me.

And because I coach and mentor people, I can say, you know what, Jimmy?

That's unfortunate.

Have you ever thought about thinking about it this way?

Hey, Jimmy, here's some resources that I can give you that can help you think differently about that, or you're stuck on this and somebody else is saying, well, that's a stupid idea, Jimmy, why don't you just be satisfied that you know about life?

Right?

That's terrible mentorship coaching.

You say that same stuff to me and I'll go, oh, Jimmy, you know what?

Here's some options for you.

Let's work through this.

Oh, you know what, Jimmy?

That's a great idea that you want to do that.

Let's have some more Conversation about it.

Maybe I can direct and focus you and we can help you with your roadmap of life, right?

That's the biggest problem.

Then that's where it has to start.

You're right.

It isn't just about the numbers.

We got to start working on how we think, how we interpret, right?

We need to be better at our daily lives instead of being that person that goes to work, goes home, is miserable, didn't have a good day at work.

Maybe you're not getting along with your significant other.

Maybe you're just.

You're lonely because you don't have a significant other.

You get caught up in watching the drama on tv.

You live that drama and you go overspend to have that.

That dopamine hit.

You go and spend money you shouldn't have spent.

You felt good for a few minutes, then all of a sudden you don't feel good about it because now you're coming on your credit card.

So you start eating, right?

You get addicted to eating, depressive eating.

Or maybe you get addicted to drugs and alcohol and your life just spirals onto that hamster wheel, right?

And if there anybody that's listening to that, you're stuck and you're in that position.

I'm here to tell you that you can give a heck about your life.

Life, you can change.

You just have to find the right associations of again, what you listen to.

Watch who you hang out with can make a massive impact on your life.

So.

So before my next.

Well, I want to touch on another thing right here real quick.

I was listening to this podcast yesterday.

I was going around town for certain things and I. I was listening to this podcast.

I mean, the.

The guest to the podcast, they had on, and they said.

And I really like what they said.

I actually remember what they said off the top of my head.

They basically.

Give me a second.

I'm drawing blank real quick.

Sorry, I'm just trying to retrieve it.

That's not.

Too much math in my head at the moment.

I blame the math.

Damn it.

We all have.

We all have what I call brain farts, Jimmy.

That's just life, right?

It happens sometimes.

Things go poof.

So basically what they said is that on how you to improve, what if you didn't like something that you didn't do yesterday, go back and reflect on what you didn't do and say, how can I improve upon this for this day, for the current day?

And each day he writes it down and goes over and say, for instance, for healthy living, as an example, he gave I didn't do the last few reps on this and I should have.

I didn't give it my 100%.

I gave it my 85%.

And so it's like, so next time I get to the gym, I'm going to continue to do the last few reps that I need to do in order to see more improved results.

And so I'm going to pick your brain at this real quick and feel free to say yes or no.

I'm a person who's a person who I learned better doing and also Learning hands on, etc.

Would you be interested into, you know, how we would just explain how you can talk people into certain things?

Could we give them, the audience, an example of what we were talking about between you and me?

So are you asking like, what could a person do to better educate people?

Because you're saying you're more of a visual person, more hands on.

Right.

Whereas some people are more auditory.

Like, I'm not sure.

I'm sorry, I'm trying to understand what you're asking me to explain.

So my, so I'm trying to say, could you maybe walk through some of those prompts that you were with your clients and just to give people, so people can hear what it's like and say, hey, be like, hey, this could be helpful.

And because you know, we could just talk about hearsay, hearsay, etc.

And then it's like, well, what does coaching do with this?

And maybe by giving them an example, they can say, oh, well, this does sound helpful.

Okay, well again, it can be different for every person we sit down with.

Just like you said, you're more of a hands on person.

Some people I sit down for an example and they're telling me they don't understand goal setting.

Right.

I'll put the sheets in front of them and I'll literally have them.

I'll be right beside them.

Or let's say I'm on a zoom call.

I'll have the form shared and I'll say, well, that's great.

And I'll give them analogies.

I'll share a little story.

Storytelling is one of the most powerful things.

Sometimes I'll use.

I'll be vulnerable and I'll share things personal about me in regards to that goal setting.

Something that can make their visual like in their mind understand.

Right.

So maybe it's involving a piece of paper.

Again, everybody's different.

Sometimes I'll take a piece of paper and I'll draw things out to them and maybe let's Use the needs versus wants.

I can write out the word needs versus wants and write down the words under what you.

What would you think, Jimmy?

What would you think would be some needs?

So I'm making it interactive, right, Jim?

Jimmy, tell me some things that are needs, and you'll start telling me some stuff.

We'll write it down and on the want side, I'll say, you know, what do you think would be some wants that aren't really needs?

And I'll preface it and say, right.

I'll make sure they understand what my definition of needs and wants, right?

If my vehicle breaks down, that's a need.

If I want a new stereo in my vehicle, that's a want, right?

I want some flashy.

I want some something flashy in my.

In my life.

I want a beautiful shirt.

That's a want.

But yet I have a tear and a shirt, and I need that shirt for work because it's a requirement.

That's a need, right?

I teach them that.

So.

And we'll have that little conversation, we'll discuss it, and I'll say, okay, let's write this out.

So let's.

Let's get a better understanding, Jimmy, that we're on the same page.

So that visual of that piece of paper helps.

Now, if I'm teaching somebody about goal setting, we look at those sheets and they go, well, we're not sure what to pick.

Like, there's so many choices on here.

And I'll say, well, what was your first desire, Jimmy?

To want to sit down with me?

What's on your mind?

What's bothering you?

What.

What is going on that it made you want to reach out to me or your friend referred you to me?

What did they say to you that triggered in your mindset that you wanted to sit with me?

And I just shut up and I listen, and that person will tell me, well, you know, we've been swimming in debt, and we don't know how to free up money to get out of debt.

We're thinking we might have to go into bankruptcy, and we're afraid of losing our houses.

Our house.

And they'll start.

Start sharing this stuff.

The more they share with me, the better I can help them.

And I'll again, I can use a piece of paper.

You could draw a house.

And I'll say, well, you know, I'll write down things below that house for an example and say, okay, you're scared of losing your house.

What does your house give you, Jimmy?

Well, it gives us shelter, it gives us protection, keeps us from the elements.

It gives us a place to live.

It gives us a place to raise our family or potentially raise a family, but we don't have one yet.

I make them tell me why that house is important.

Well, okay, so Jimmy, you're telling me this house is really important so you need to free up money because you're swimming in debt on this side.

Hey, Jimmy, I have a workshop that you and I can do together.

I'll do it with groups of people, but for you, let's do it together.

And I bring up a PowerPoint presentation.

I've got five of them.

One of them is just on how to manage debt and increase income.

Right.

How to get their mindset more stuck on that need and want.

And you know, then we'll actually go through that.

And part of that workshop shows budgeting.

It shows about the.

Talks about the fact of how to do debt consolidation Roll up.

It gives them more of a visual as I'm explaining the slides and going through it.

Then when we're done, I can ask them more questions.

It's about asking the right questions, Jimmy.

It's really hard to give you what you know, know paint by number system because you like your friends.

Everybody's unique to their fingerprint, aren't they?

Everybody has a different life.

So it's basically find out what people's pain points are share and be vulnerable with them.

If I, if it's something that they're going through that isn't personal to me.

After 21 years, I've dealt with people that have had that circumstance.

There's never a circumstance that I've educated and helped people with that I've never experienced 21 years in.

Right.

So I share, give analogies vulnerable, use pieces of paper like I don't get really fancy, keep it, write it out and then, you know, if they're into it, I will spend that hour to go through one of the workshops that fits what they're talking about.

Some people over their lifetime of dealing with me, we do all the workshops because they're very visual, they're very hands on of wanting to see, oh my goodness, that's what debt roll up is what you were talking about and what you were trying to show me.

Because they can't, they can't apply it based on what I'm saying.

But as soon as they see the visual of it, then they can see how they're going to apply it to their, their circumstances.

And then other people, we don't have to, they just, they're, they get it right.

They get it differently, they interpret things differently.

Everybody's unique.

Yeah, I like how you said that.

Everyone's unique.

And I just want to share with everyone, my listeners etc, that, you know, I've been well, so I've been, I've been known.

Let me rephrase that.

I know that I need a new computer soon because this computer I'm gonna guess is gonna be like 13 or 14, maybe 15 years old.

I up there in age and that's very old for a computer.

It still runs perfectly great, it's fast, still has plenty of storage on it.

But for security purposes, because my business is online and It's a Windows 10 computer and Windows 10 is, well, it's going to go bye bye soon.

Unless you want to pay for support for that.

And I don't want to pay for support for that.

Maybe because like new operating system, more security versus, hey, let's just stick with the old stuff.

You don't know how much work is going into keeping that old stuff up and running, et cetera, and how often it's going to be updated.

So I was like, I'm going to start investing in a new computer.

I was hoping to do it it hopefully this year, but I'm gonna, I'm trying to be realistic to myself and said, okay, it's such and such and this year I'm not gonna just for purposes of the podcast and it goes out late and I don't share.

But so basically I'm looking into the following year around the same time or a little bit after, just so I know it's like, okay, I think this would be more practical now if I get some additional etc.

I will reevaluate what I can do.

And instead of coming out of my own bank account, what I've been doing, I have set up an account somewhere else still in another bank, but I've been using it as literally just savings.

And I just put some money here towards this to my emergency fund and to my saving, my regular savings.

And so I'm literally not taking the money out of my bank account for this computer.

I'm setting aside money because it's like, okay, I don't have a lot of money coming in, but what I do, I'm going to set aside each here and there, split up into different accounts.

So that's a perfect item for a budget, right?

Within a budget.

Within a budget you can have a vacation entry, you can have emergency fund, Jimmy's new computer, right?

And when you look at all this stuff again, it Helps when you have that.

It's good you brought that up.

If you have that computer in there, you're going to look through all the items that you have on your budget and you're going to go, I need to have this replaced in 15 months, 16 months.

Right.

Let's say a year and a half from now, I need to replace it.

So some of these other things that, that our needs aren't as big as a need as that.

That is a want and a need.

The computer isn't.

It's your business, it's your livelihood.

You need to have it.

So all of a sudden you'll figure out things and you'll be willing to go without on something else.

So that every month you're putting $100 into where it says computer, Jimmy's computer.

And like you said, you're putting it into another bank account.

And if you have that fixed amount and you know the computer, you want eighteen hundred dollars.

Eighteen months from now you're going to have that eighteen hundred DO dollars.

Because you've actually visually seen it on a budget and you knew that it was a goal of yours.

Again, goals and budgets tie together.

They have to be black and white.

Yeah.

And I also just want to point out I do have a Chromebook, but this thing is not very strong.

It has like literally an i3 processor in it.

And for those who do not know much about computers, it's crap.

And just taking notes and playing some low end video games on there.

I mean, just in my free time on the weekend, not every day.

They're like mobile games because it has Android etc.

On there.

So it's not like Call of Duty or something else, etc.

And, but basically, in plain terms, i3 is not very powerful.

So I tried podcasting on this thing.

I was like, oh yeah, I love all those tech articles.

Like Chromebooks are better than Windows because of this.

It's fast and whatnot.

It's like, yeah, but it does not have the power and full strength like this computer that I'm currently using.

I know it's old, it's older than my Chromebook, but it cuts like, like butter.

Like literally, that's how fast it is.

True.

And I, I'll admit that I spent quite a bit on this when I, when I first, when I first got it, but I should, I should rephrase that.

I spent the difference because I sent one.

I, I brought one back because let's just say the company behind it was a cuckoo in the head putting it because I Said a lot worse on you off.

Right.

Not being a tool, but I'll just say that company just got me going.

It's like, you can't possibly be telling me this straight in front of my eyes and saying that this is correct.

And it's like, this is correct.

It's like, no, it's not.

I would be more specific, but if I be more specific, I'll tell the whole company, tell everybody who that company was.

And I don't want to get myself in trouble.

So my last few questions for you, and I'll make it really fast.

What for?

Well, actually, before I ask the last few questions, the only thing I did spend money on that was literally that.

But that's.

I mean, I did some research on it was.

I don't know if you noticed, but, like, you know, the meant budget apps.

Intuit decided to shut that down to finally.

They did.

Yeah.

With their credit karma.

And I was like, if it's not going to have all the budgeting features of Mint, I'm not going to use it.

So I did splurge on a budget app and by the lifetime version of it, because I was like, I need a budget app right now.

And because when I saw that email, I was so furious.

It's like, what kind of idiots decided to shut this down?

It's like, this thing worked perfect.

Well, we're going to blend this thing into credit Karma and everybody flee from mentors.

Like, this was a dumb move.

No one's going to use this.

I mean, I'm not going to use it.

So I did splurge on, even though I didn't have money coming in at the time, because I, like, I need something to budget, and I'm not going to do paper and pencil, because I will lose paper and pencil.

And two, I need something that I can see.

My credit cards.

I can be on top of things.

Because if I don't be on top of things, my brain is like, damn it.

That's what happened when I was switching scheduling tools for my podcast.

Because it's like this person might schedule here and then five other people.

It's like, hey, you forgot to have a schedule.

I was like, damn, my brain.

So my last few questions for you is, who's your favorite podcaster?

And who's your favorite podcast?

And feel free not to say me.

Well, I couldn't say you because I haven't listened to your podcast.

That's the.

That's the honest truth.

Right.

Well, I'm a podcaster myself, right.

Plus, I have a Very successful business that keeps me active all the time.

Um, I have a few different podcasts I really like.

One of the most, the best podcasts I like to listen to is a podcast called 365 Driven.

He basically a friend of mine by the name of Tony Watley has that podcast.

It's one of the top rated podcasts in the world.

I really enjoy listening to his podcast.

Basically it covers the four cornerstones of life.

Right.

Your heart, health, your wealth, your fitness and your emotional state of mind.

Right.

He basically has guests on that talk about all aspects of life.

He might have somebody on that's.

It's going to be about business, so it'll be an entrepreneur.

You might have somebody on that's talking about nutrition.

And I've been listening to Tony's podcast now for four years.

When I do have time to listen to to podcasts, I listen to his podcast.

There's also other podcasts that I've.

That I've enjoyed.

I like Lewis.

How School of I. Yeah, I've met Lewis.

Super nice guy.

I've been to a couple of his conferences.

His podcast, he has a daily motivation pod.

He.

Yes, he's.

He has a daily motivation podcast that he started about a year and a half ago.

It's anywhere from 8 to 15 minutes a day and it's snippets of his best quotes or best parts of his, his full blown podcast.

So that's the one I, I plug into like I was driving a couple days ago and, and I had podcasts up on my display and I pressed it and it showed up.

Lewis's daily motivation podcast is there.

Poof.

Listen to it because it was about eight, nine minutes.

Sometimes they're 15 minutes.

So I really like Lewis Howes.

There's, you know, there's so many good podcasters out there, but there's only so many hours a day because I also listened to a lot of books, books like Audible.

Right.

So if I'm driving or I'm sitting, I don't always listen to a podcast.

I might listen to another chapter of a book.

Right.

That I'm, I've got going.

So that would.

Those two are the podcasts, if that, that I'm listening to or the 365 driven with Tony Watley or Lewis Howell's Daily Motivation.

And Jimmy's Crazy Fitness Guy's gonna be on the podcast soon.

That's going to be on the list too.

I don't know who said that.

Yeah, Crazy Fitness Guy.

Everybody listen to that podcast?

Absolutely.

I wouldn't be on your podcast if I after reading your stuff, if I didn't think it was a good podcast, it's just I'm being truthful.

I believe in 100 directness and truth.

I, if, if I the amount of podcasts I've been on on if I had to listen to everybody's podcast, I would never ever have enough time to sleep or work or do other things because there's a lot of good I.

Know I don't like to follow.

I always like to trick somebody with that, stump them with that question because everybody's like,.

Well actually, actually my favorite podcast in the whole world is called Give a heck.

How's that for an answer?

Answer.

My own podcast.

How about that?

That's a good answer too.

I'm gonna use that next time.

Yeah, exactly.

So my last question for you is where can people follow you, find you and learn more information about who you are?

The best place to go is to my website.

Give a hack.com right?

Very simple.

Giveaheck.com there's everything in there about my life coaching business, my finance coaching, my, my best selling book.

You can read up on that.

You can find out about my podcast there.

You can read up and watch one of my speaker reels on there from when I go and speak.

And yeah, everything's there.

My about.

You can book a free strategy session with me if you want to communicate and see if there's anything that gels between you and I or a group of people whether or not I can help you out, whether or not not you know, there's chemistry for me to help you out because in the end of the day the best mentors or coaches are people that you can relate to and there's a chemistry.

Right.

A connection.

Awesome.

I hope we can definitely collaborate on something.

Maybe I can come on your show because I learned a lot of budgeting mistakes and tips and everything that I could share from my perspective as well.

I mean and I'll give you an example.

When I first started my business, I started on WordPress and was the most costly mistake I ever did in my life.

Let's just say that I'm not going to give you the dollar amount because when I removed the dollar amount up here but every time when I remind myself of that dollar amount, like let me not hit that dollar amount anytime soon.

It's like it's a scary amount.

Let's just say it's close to the.

Yeah, I'm not going to say the exact amount but let's just say that But I do hope we can collaborate in the future of some way, some sort, etc.

Chat.

We can certainly have more conversation about it.

Of course, no problem.

If you can reach out to me too.

Awesome.

In the meantime, have a good rest of your day and I'll let.

Let's stay in touch.

You bet.

Take care brother.

Thanks for having me on Jimmy.

Definitely.

So that's all the time we have for today.

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