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Well, you know, losing income, um it kinda runs the the little red wagon off the off the trail and kind of sets it on fire, right?
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Yeah.
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And and there's uh you know, there's the finality of losing your job and the security that goes along with that and the hope uh of the next you know, the the the next few paychecks.
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And and your I'm sure your wife and I'm sure men's families, you know, they're fearful, they're scared, they don't you know, unless unless your spouse works and brings in an income as well.
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But most families in America have two income families.
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You know, they it requires two incomes uh for for them to survive, to put food on the table, pay the living expenses, hopefully get ahead a little bit, uh save for vacation, save for retirement, whatever it is that you're doing with your money.
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But you know, and so a lot of that fear and angst and anxiety from the family kind of reflects back on you, right?
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And you you you want to stay strong, you want to be strong, you want to put on a not necessarily a b you know a a good front, but but you don't want to show when when they're weak, you need to be strong, right?
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And so how how do you do that for your family?
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How do you remain strong, but at the same time dealing with the identity crisis and and the fear that you're battling?
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Yeah.
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And you know, a lot of these people when you lose a spouse, okay, fortunately I don't have an experience, but I know people who have, and I've seen the devastation after that, not just emotionally, but financially.
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Like you say, a lot of most families today, not a lot of them, most of them probably, have a two-family income.
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And when you lose half that income and you're dealing with a loss and you still have a family to keep going, that is devastating.
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And if you start making mistakes now because of that situation, it just compounds the problem.
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It really does come on it.
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And I've seen people suffer too much.
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So I when I made my compass, I made it simple.
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I made a non-financial tech type thing and more like just for the average person.
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And we have like a there's nine steps on it, and wherever you're at, you just look where you're at, and then you go from there and you take one step forward from where you're at.
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And that's uh just very simple because with that kind of loss, it's the worst thing to do is now make compound it with financial pain.
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You know, uh you've got the emotional pain, but now now let's compound it with no, we don't want to compound it with financial pain.
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We really don't.
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So at some point a man realizes he has to build from the inside out.
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What does the first honest step usually look like?
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What was your first honest step?
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Well, first honest step was recognizing I blew it for and I'm not saying everyone's this way, okay, but uh but for me, I'm gonna speak for you.
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I blew it for 40 years.
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I I mean I knew how to make money, but I didn't know how to build wealth.
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Those are two different separate skill sets.
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And I I was pretty good at one, but lousy at the other one.
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And I had to be honest with myself, I have to do it differently.
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If I keep doing it like I'm doing, just making more money isn't gonna solve anything because we're still gonna end up in a on a cliff at the end of it.
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And so I think being honest with yourself is the first step.
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And and then for me, financially, you know, and again, I'm talking from a financial standpoint, is this is the actual one-page comfort, so I'm gonna give to all your listeners for free.
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There's no nothing, I'm not here to sell you nothing, argue that.
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But basically, these are the nine steps, and you just figure out where you're at in these nine steps, and you just pick up from there.
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You don't have to, you know, knowing where you're at is half the battle, you know, and then knowing how to get to the next step is the other half of the battle.
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And and and sometimes when you're emotional or when you just don't know, uh you can go in circles, like like those people in that example and I did for 40 years, and that's what you don't want to be doing going in circles.
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Right.
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David, how do you say your last name?
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Nasif.
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Nasiv.
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David Nassif, a man whose story carries both the weight of loss and the quiet strength that comes from walking through it.
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David has lived the kind of pain many men never talk about, and he's learned how to turn that pain into compassion, clarity, and a steady hope for others.
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His journey speaks directly to fathers who feel broken alone or unsure how to take the next step.
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I'm honored to welcome him into the space as we talk about grief, rebuilding, and the kind of hope that meets a man right where he is.
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David, thank you for being on the podcast today.
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I'm thrilled to be here.
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Yeah, my name is David Nassiv, as you mentioned, and I uh wasn't I never planned on being an author.
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I really never planned on going on a podcast in my life, although I do enjoy listening to him.
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But something happened to me uh that was kind of life-transforming.
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And it happened when I was 63, and I just got fired after 18 years with the same company, I tell you.
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That is a day I would not wish on anybody.
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I did the math and it was brutal.
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If we drained all of our savings and all of our retirement, we'd be broke by 65.
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And at this point, I'm thinking, who is gonna hire me at my age?
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But James, that wasn't even the worst part.
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The worst part was driving home.
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I was thinking, how am I gonna tell my wife Mary?
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We had been married at that point for 30 years.
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She did not deserve the mess I just threw our family into.
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So after two months of dead-end job searching, because I'm gonna be honest with you, my heart wasn't in it.
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The thought of going back to the corporate world just made me sick to my stomach.
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But the thing is, what was I gonna do?
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I needed money.
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You know, I didn't need, I only had a short runway.
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And so, anyways, after two months of dead-end job searching, I finally decided to take a huge risk and I went to work as an independent sales agent on straight commission.
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No salary, no safety net, no benefits.
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The first months were brutal.
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It was constant cold calls, constant rejection, rookie mistakes.
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I don't think I ever heard any so many no's in my life in a one or two month period of time.
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But you know what, James, it's funny.
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All that resistance I was getting through, that rejection, I really believe looking back, I can reflect on it now.
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I think it was the mental muscle, it helped me build the mental muscles I needed to punch through that dark moment, that time that I just felt like I was lost.
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So, anyways, after 10 months of grinding, I hit an incredible milestone.
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I was suddenly making more money than my good paying six-figure corporate salary.
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And I thought, oh my gosh, we made it.
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But then I realized we didn't make nothing.
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I've been making good money most of my life.
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And the problem wasn't making good money.
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The problem for me was investing it and building wealth.
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I just was terrible at it.
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I mean, after 40 years, you'd think I'd have had a huge nest egg and I got nothing.
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So I decided I can't waste my time with a bunch of investment theories.
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I dug down and read 21 books, listened to 13 podcasts faithfully on financial planning, read blogs and newsletters.
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Every time I got a good idea, I put it on this one piece of paper.
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I distilled everything down to this one piece of paper, and I made a kind of a set it and forget it approach because I had to run my company.
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I couldn't be looking at Wall Street and looking at the market, all that kind of thing.
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And so, anyways, six years later, at age 69, I hit what I thought was impossible from terrified of being broke to a seven-figure portfolio and real financial freedom.
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James, I now know it is never too late to rewrite your story.
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Because if I can pull that off starting as late as 63, I know anyone can with the right direction.
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Okay.
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Well, it's very interesting.
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So Father's Refuge is about loss and grief.
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And the podcast is about loss and grief, and it's it's uh here for men who have lost a wife or a child to some sort of you know cancer illness, car wreck, whatever it might be.
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So I started this out because in 2001 we lost our daughter Jessica, who was 10 years old, to cancer.
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And there was no support back then for fathers that were dealing with loss and grief.
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Fast forward to six months ago, I was talking to somebody on another podcast, and they said, Hey James, you ought to start a podcast.
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You've got a story to tell.
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And I'm like, Oh, that was like an epiphany.
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I was like, Why didn't I even think of that?
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So I started it, and podcasting is very dynamic in that you're constantly learning how to adapt to the audience, to adapt to the podcasting network and podcasting in general, you're learning how to do things better, uh, and you're learning, you know, I learned that I want to change the scope of for the podcast and be a little more inclusive uh of family members that are experiencing loss and grief.
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And obviously, when you when you lose a job like that, I yeah, I worked for Wyndham Vacation Rentals from 2008 to 2018, and at that time I was in my 50s.
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They let me go.
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And I was like, I thought that was gonna be my last job as an adult, right?
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I was just gonna ride the gravy train and and retire.
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Uh and so in 2018, I found myself, you know, 55 years of age or whatever, and I'm considered a senior, and it's like nobody wanted to hire me.
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And I was like, I was hard pressed to find another IT job.
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And I've got 30 years of experience in IT, and then they were like, I kept hearing from recruiters and hiring managers, I'm sorry, while you have an impressive background, we've decided to go with another candidate.
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Well, what does that tell you?
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It tells you that you're just too old.
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They're not gonna come out and tell you that.
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But if you have, you know, all these certifications and degrees and 30 years of experience, you're you're more than qualified for most of the jobs, if not overqualified.
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So anyway, you know, when it when a when somebody loses a career like that, there's there's loss assigned to it or or associated with that, and grief.
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And so so it's interesting that that you're telling us about your story because I know that there are men that are listening to this podcast that have experienced that at some point in their life, right?
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And so I want to talk a little bit about that as well.
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So when a man loses his job, it hits deeper than finances.
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And your experience was what does that moment feel like on the inside?
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It's a combination of terrifying loss, certainty.
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I remember, you know, I'm the kind of person, when I my head hits a pillow, James, I I'm asleep.
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You know, I'm asleep for the night.
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But I remember waking up in the middle of the night saying, wait a minute, we still got all these bills going out.
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That the electric company didn't say, hey, we're gonna give you a break because you got laid off.
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I didn't get laid off, I got fired, okay?
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Well, we're gonna give you a break on the water bill because no, no, no.
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It was they were all barreling at us, and I had no money coming in, zero money coming in.
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And that is such a frightening experience.
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I remember my wife, just talk about the the pain of the whole thing.
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My wife, she asked me to go shopping with her uh in like a Wednesday afternoon morning because it was a big sale and she wanted to conserve money because we were trying to, we only had a two-year one-way, and it was even getting shorter.
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And so I went with her to help out because I had nothing else to do.
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I was sending my resume, but getting nowhere.
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And then I remember I went in the store, and I know I know this isn't probably accurate, but I felt like it was the only man in the whole store.
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It was the mothers and babies in their carts, and and I'm thinking, what the heck am I doing here on a Wednesday late morning?
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I should be out earning a living, providing for my family.
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And I remember Mary was checking out, and I'm at the end of the counter waiting, and I just I felt like I had a sign on me, the biggest loser.
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I just felt like I wanted to scream.
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I wanted to break out, but where was I to break out to?
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When I interviewed with people like you're saying, James, I, you know, I they were very polite, but it's like I I could almost read their minds, you know, we could hire someone half your age for a third of the cost that you are.
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Sure, absolutely.
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I remember they're saying, so what kind of ingenuity or forward thinking could you bring to the company saying, like, what could a 63-year-old bring to, you know, it was almost like it was a negative, you know, my age and my experience were all negatives, and it's like, Wow, what is happening here?
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It was it was very traumatic for me.
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I think that for men, um, and you've noticed this, I'm sure.
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Um you'll go to a party or you go to a social event, and somebody will inevitably ask, Well, who are you?
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What do you do?
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You know, and what it what do men typically fall back on?
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And even women.
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We tell them what we do for a living.
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Well, I'm an IT specialist, or I'm a salesman, or I I work at the bank, or I'm this, or I'm that.
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Well, that's that's a very it's it's a large part of who we are, definitely.
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You know, it helps pay our bills and uh provides for our families.
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That's not really who we are.
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That's that shouldn't be our identity.
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We are I'm James Moffat and you're David Nassif.
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And and there's more to us than a paycheck.
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But but we get so wrapped up and involved in the nine to five or seven to three thirty like I work, and and we get so wrapped up in the daily grind, and and our companies that we work for kind of become our identity.
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Oh, I work for Boeing, or I work for the VA, or I work for General Electric, or whoever, you know, whoever.
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And you're like, because that kind of validates who we are, right?
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It gives us it gives us value.
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But in essence, that's not who we are, that's not our identity.
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But when you get cut off at the knees and HR is telling you, hey, you've been working for us for so long, you've done a wonderful job, but we no longer need you.
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And today's your last day.
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And you take your cardboard box and you and you fill it full of all your personal crap, and you walk out the door and you get in your car and you go, Well, what the hell am I gonna do now?
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What uh what am I gonna do?
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I was shocked.
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I was I because it came out of left field, I was not expecting it.
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Because I was a regional IT manager and I I serviced five different locations in the low country.
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And they didn't I was it.
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I was a one-man show.
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And I thought, well, surely they're not going to get any do anything to my position.
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And Wendham Vacation Rentals was going through a re-org, which is ultimately what killed my spot.
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And so yeah, so I I I know that I know that I know that there are men out there that have, you know, received you know, either been fired or laid off and received some sort of severance package, and they're sitting around twiddling their thumbs going, what what do I do next?
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Yeah, you know, and of course most of us, unless you have a big fat nest egg, you got creditors looking at you.
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They want the water bill paid, they want the light bill paid, the car payments coming due, the mortgage is coming due, the rent's coming due, credit cards want money, everybody wants money, and they do not care what the problem is.
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All they want to know is is on the due date that they can reach into your checking account and take the money out that you owe them.
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Yep.
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So anyway, a lot of men don't talk about the embarrassment, fear, or anger that comes with job loss.
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What emotions do you see men wrestling with the most?
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I think pride is one of them for me.
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But I quickly got rid of the pride thing because it was I I had to go to survival mode.
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It's like, wait a minute, okay, I don't have time to be proud right now.
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I really need to get some money coming in here.
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And in it again, if I had a if I had a couple million dollar nest egg for retirement, a lot of God people do, I wouldn't have to worry, but I didn't.
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I like I said, I had l two years or less, and it's like, okay, no time for pride, I have to put it on.
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You know, can I just mention briefly this I I heard something about when this happened and it kind of got me on the whole track of getting on this uh a straight plan instead of going in circles.
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Let me just share this.
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A scientist at the Max Planck Institute didn't experiment.
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What they did is they placed people in the center of a dense German forest, and they told them to walk in a straight line to the edge.
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And these are confident, capable people.
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But when the clouds covered the sun, the GPS tracking showed they were gradually starting to walk in circular motions.
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Some of them were ending up right back where they began.
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But every single one of them was absolutely convinced that they were walking a perfectly straight line the whole time.
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That was me, James, for 40 years.
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I was working hard, making decent money, thought I was doing the right thing and with money and all that kind of thing, but ultimately I was just going in com uh a total circle.
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And that's where I ended up and I says, I can't do this anymore when this happened.
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I says, I have got to get on a plan that gets me going in one direction because I'm done with making mistakes.
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I can't do it anymore.
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And that's why I came up with a compass that got me that kind of put the emotions aside.
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And when I started making money, it was like, okay, this is I can do this now.
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I I I see the light at the end of the tunnel.
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It's a little ways down there, but I I can see it.
00:16:49.679 --> 00:16:50.080
Right.
00:16:50.960 --> 00:16:52.159
So let me ask you this.
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So you just told us that, or told me, or us, yeah, it'll be us at the at some point.
00:16:57.200 --> 00:17:06.480
You told us that you kind of shook off all the pride and all the emotions that comes along with the loss of identity, the loss of job, loss of a paycheck.
00:17:06.720 --> 00:17:08.000
How exactly did you do that?
00:17:08.240 --> 00:17:20.480
Well, basically, when I got this I'll I'll tell you, I uh when I when I tell you that I started my own company or, you know, sales agency, it was worse than that sounds, because I had failed twice in my trying to start a company.
00:17:20.559 --> 00:17:23.680
And so I thought, oh, okay, I guess I'm just not the entrepreneurial type.
00:17:23.759 --> 00:17:25.200
I'll just have to work for a company, which is fine.
00:17:25.279 --> 00:17:26.160
I I can handle it.
00:17:26.400 --> 00:17:33.680
So when I decided, because Noah was gonna hire me, when I decided I have to start my own company, it was a lot of concern because I tried it.
00:17:33.759 --> 00:17:37.599
One of the failures put me into serious six-figure debt that took years to pay off.
00:17:37.680 --> 00:17:39.920
So I mean, it was like there's emotional scars there.
00:17:40.000 --> 00:17:44.160
But here's the thing I understood, James, that I learned lessons from those failures.
00:17:44.319 --> 00:17:47.759
I learned things that I didn't know then that I know now.
00:17:47.920 --> 00:17:54.880
And so although I'm 63 now, a lot older, I am a smarter because I understand what now to avoid and what not to avoid.
00:17:55.039 --> 00:18:03.759
And when I started digging in and really started going for it, I just didn't have time to feel sorry for myself or to blame other people or to get proud.
00:18:03.920 --> 00:18:06.799
I had to dig in there and really focus.
00:18:06.880 --> 00:18:12.319
You know, I don't know if you've ever heard the phrase, pray like everything depends on God, then get up and work like everything depends on you.
00:18:12.480 --> 00:18:14.720
That's all I was doing for that 10-month period.
00:18:14.880 --> 00:18:16.880
Working and praying, working and praying, working and praying.
00:18:17.119 --> 00:18:21.920
And I I just had to, I was in survival mode, and I I really, I'm not saying I didn't have emotions.
00:18:22.000 --> 00:18:26.240
I obviously had emotions, but the g but the pride part, I I just had to throw that to the curb.
00:18:26.400 --> 00:18:27.200
I didn't have time for that.
00:18:27.279 --> 00:18:30.160
I mean, I still had, I mean, it wasn't an easy 10 months.
00:18:30.319 --> 00:18:33.200
It was very difficult, and there was up and down emotions the whole time.
00:18:33.359 --> 00:18:40.319
But when you have, I think, a target, when you have an objective, which is survival, and this is the means you're gonna do it, because I had no plan B.
00:18:40.400 --> 00:18:41.599
There was no backup plan to this.
00:18:41.680 --> 00:18:45.599
If I didn't do this, then I curl up and I don't know what's gonna happen.
00:18:45.839 --> 00:18:47.200
And so that helped a lot.
00:18:47.440 --> 00:18:48.000
It sounds weird.
00:18:48.079 --> 00:18:48.880
Why did that help?
00:18:49.039 --> 00:18:58.640
Because it kept me focused and I I just didn't have time for the uh a lot of emotions that if I was sitting at home watching TV and feeling sorry for myself or whatever, they would have probably erupted a lot more.
00:18:58.720 --> 00:19:00.960
But I just I had to push them out to get this done.
00:19:01.279 --> 00:19:01.839
That makes sense.
00:19:02.160 --> 00:19:02.400
Right.
00:19:02.480 --> 00:19:11.599
So you found you found a new purpose or a new identity in what you were doing and why you were doing it, and so that helped you deal with the loss and the grief ultimately.
00:19:11.839 --> 00:19:12.240
Exactly.
00:19:12.400 --> 00:19:12.720
Exactly.