March 26, 2026

Healing Through Financial Wisdom: David Nassief on Preparing Your Family for the Unexpected

Healing Through Financial Wisdom: David Nassief on Preparing Your Family for the Unexpected

Send us Fan Mail In this episode, David Nassif shares his transformative story of losing his job at age 63, facing financial uncertainty, and turning that adversity into a powerful mission to help men rebuild their lives and wealth. His insights reveal the importance of honest self-assessment, purpose, and practical steps to attain financial and emotional resilience. Main Topics: David's personal journey from job loss to financial independence at age 69 The emotional impact of losing one's ca...

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Send us Fan Mail

In this episode, David Nassif shares his transformative story of losing his job at age 63, facing financial uncertainty, and turning that adversity into a powerful mission to help men rebuild their lives and wealth. His insights reveal the importance of honest self-assessment, purpose, and practical steps to attain financial and emotional resilience.

Main Topics:

David's personal journey from job loss to financial independence at age 69

  • The emotional impact of losing one's career and identity
  • Building resilience: how rejection and failure strengthen mental muscles
  • Practical financial recovery: the nine-step wealth compass
  • The importance of vulnerability and trusting others during grief and hardship
  • The role of faith and purpose in overcoming life's setbacks
  • How to start small routines that restore momentum after disruption
  • The critical need for early financial planning for men and seniors

Timestamps:

00:00 - Introduction to David Nassif and his story of loss and resilience

04:33 - Welcome and episode overview

05:15 - David recounts his surprising career transition at 63 and lessons learned

06:40 - Building financial strength through rejection and perseverance

07:55 - The journey from financial insecurity to wealth at age 69

08:00 - Origins of the Father's Refuge podcast and focus on grief in men

08:49 - Personal experience of job loss and ageism in the workforce

10:09 - Emotional toll of losing a job and societal expectations of men

11:10 - The internal fear and shame during unemployment

12:20 - Society's view of men’s identities based on their careers

13:37 - The shock of sudden employment termination and the emotional aftermath

15:15 - Common emotions men face post-job loss and the importance of vulnerability

16:13 - The analogy of walking in circles and finding a clear direction

17:08 - How honesty and a new purpose paved David’s recovery

18:32 - The importance of a practical action plan and step-by-step routines

19:20 - How supporting loved ones can motivate resilience during crises

21:53 - The societal and personal pressures on men to stay strong

22:22 - Simplicity and clarity in rebuilding financial stability

23:27 - Introducing the nine-step financial compass for rebuilding wealth

24:09 - Small habits that restore confidence after disruption

25:37 - The power of mental honesty and self-awareness in recovery

27:29 - Recognizing that change requires stepping out of repetitive patterns

28:36 - Setting realistic retirement goals an

Losing a child to cancer is a grief no parent should walk through alone. The Father's Refuge Podcast is a safe place for fathers and parents to share, heal, and find hope in the midst of heartbreak. If you are a father and you would like to share your grief journey with others reach out to me at FathersRefuge@proton.me 


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WEBVTT

00:00:00.239 --> 00:00:08.800
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?

00:00:09.039 --> 00:00:09.199
Yeah.

00:00:09.439 --> 00:00:22.160
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.

00:00:22.480 --> 00:00:35.200
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.

00:00:35.439 --> 00:00:38.159
But most families in America have two income families.

00:00:38.320 --> 00:00:53.679
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.

00:00:54.159 --> 00:01:03.439
But you know, and so a lot of that fear and angst and anxiety from the family kind of reflects back on you, right?

00:01:03.600 --> 00:01:17.680
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?

00:01:17.760 --> 00:01:21.439
And so how how do you do that for your family?

00:01:21.599 --> 00:01:30.000
How do you remain strong, but at the same time dealing with the identity crisis and and the fear that you're battling?

00:01:30.480 --> 00:01:30.879
Yeah.

00:01:31.359 --> 00:01:40.239
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.

00:01:40.400 --> 00:01:45.519
Like you say, a lot of most families today, not a lot of them, most of them probably, have a two-family income.

00:01:45.599 --> 00:01:52.480
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.

00:01:52.560 --> 00:01:57.519
And if you start making mistakes now because of that situation, it just compounds the problem.

00:01:57.599 --> 00:01:58.959
It really does come on it.

00:01:59.040 --> 00:02:00.959
And I've seen people suffer too much.

00:02:01.359 --> 00:02:04.239
So I when I made my compass, I made it simple.

00:02:04.400 --> 00:02:08.719
I made a non-financial tech type thing and more like just for the average person.

00:02:08.879 --> 00:02:16.960
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.

00:02:17.039 --> 00:02:24.400
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.

00:02:24.479 --> 00:02:29.039
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.

00:02:29.199 --> 00:02:30.159
We really don't.

00:02:30.719 --> 00:02:34.639
So at some point a man realizes he has to build from the inside out.

00:02:34.879 --> 00:02:37.599
What does the first honest step usually look like?

00:02:37.840 --> 00:02:39.520
What was your first honest step?

00:02:39.840 --> 00:02:46.479
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.

00:02:46.639 --> 00:02:47.759
I blew it for 40 years.

00:02:47.840 --> 00:02:50.400
I I mean I knew how to make money, but I didn't know how to build wealth.

00:02:50.479 --> 00:02:52.719
Those are two different separate skill sets.

00:02:52.960 --> 00:02:56.960
And I I was pretty good at one, but lousy at the other one.

00:02:57.120 --> 00:03:00.240
And I had to be honest with myself, I have to do it differently.

00:03:00.319 --> 00:03:06.719
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.

00:03:06.800 --> 00:03:09.759
And so I think being honest with yourself is the first step.

00:03:09.840 --> 00:03:18.240
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.

00:03:18.319 --> 00:03:20.719
There's no nothing, I'm not here to sell you nothing, argue that.

00:03:20.800 --> 00:03:25.520
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.

00:03:25.680 --> 00:03:33.280
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.

00:03:33.360 --> 00:03:43.919
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.

00:03:44.400 --> 00:03:44.960
Right.

00:04:41.199 --> 00:04:42.720
David, how do you say your last name?

00:04:42.959 --> 00:04:43.439
Nasif.

00:04:43.680 --> 00:04:44.160
Nasiv.

00:04:44.399 --> 00:04:50.560
David Nassif, a man whose story carries both the weight of loss and the quiet strength that comes from walking through it.

00:04:50.720 --> 00:04:59.040
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.

00:04:59.199 --> 00:05:04.319
His journey speaks directly to fathers who feel broken alone or unsure how to take the next step.

00:05:04.560 --> 00:05:11.120
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.

00:05:11.360 --> 00:05:13.519
David, thank you for being on the podcast today.

00:05:13.759 --> 00:05:14.720
I'm thrilled to be here.

00:05:14.959 --> 00:05:20.720
Yeah, my name is David Nassiv, as you mentioned, and I uh wasn't I never planned on being an author.

00:05:20.800 --> 00:05:24.959
I really never planned on going on a podcast in my life, although I do enjoy listening to him.

00:05:25.120 --> 00:05:28.240
But something happened to me uh that was kind of life-transforming.

00:05:28.319 --> 00:05:33.839
And it happened when I was 63, and I just got fired after 18 years with the same company, I tell you.

00:05:34.000 --> 00:05:35.839
That is a day I would not wish on anybody.

00:05:36.000 --> 00:05:37.439
I did the math and it was brutal.

00:05:37.600 --> 00:05:42.959
If we drained all of our savings and all of our retirement, we'd be broke by 65.

00:05:43.040 --> 00:05:46.240
And at this point, I'm thinking, who is gonna hire me at my age?

00:05:46.399 --> 00:05:48.240
But James, that wasn't even the worst part.

00:05:48.399 --> 00:05:49.839
The worst part was driving home.

00:05:49.920 --> 00:05:52.000
I was thinking, how am I gonna tell my wife Mary?

00:05:52.079 --> 00:05:54.240
We had been married at that point for 30 years.

00:05:54.480 --> 00:05:58.000
She did not deserve the mess I just threw our family into.

00:05:58.160 --> 00:06:02.560
So after two months of dead-end job searching, because I'm gonna be honest with you, my heart wasn't in it.

00:06:02.639 --> 00:06:07.279
The thought of going back to the corporate world just made me sick to my stomach.

00:06:07.439 --> 00:06:09.279
But the thing is, what was I gonna do?

00:06:09.439 --> 00:06:10.079
I needed money.

00:06:10.160 --> 00:06:12.720
You know, I didn't need, I only had a short runway.

00:06:12.879 --> 00:06:21.519
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.

00:06:21.680 --> 00:06:24.240
No salary, no safety net, no benefits.

00:06:24.399 --> 00:06:25.759
The first months were brutal.

00:06:25.920 --> 00:06:29.120
It was constant cold calls, constant rejection, rookie mistakes.

00:06:29.279 --> 00:06:34.000
I don't think I ever heard any so many no's in my life in a one or two month period of time.

00:06:34.160 --> 00:06:35.600
But you know what, James, it's funny.

00:06:35.680 --> 00:06:40.720
All that resistance I was getting through, that rejection, I really believe looking back, I can reflect on it now.

00:06:40.879 --> 00:06:48.639
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.

00:06:48.720 --> 00:06:52.959
So, anyways, after 10 months of grinding, I hit an incredible milestone.

00:06:53.040 --> 00:06:57.120
I was suddenly making more money than my good paying six-figure corporate salary.

00:06:57.199 --> 00:06:58.639
And I thought, oh my gosh, we made it.

00:06:58.720 --> 00:07:00.240
But then I realized we didn't make nothing.

00:07:00.319 --> 00:07:02.000
I've been making good money most of my life.

00:07:02.079 --> 00:07:03.839
And the problem wasn't making good money.

00:07:03.920 --> 00:07:06.560
The problem for me was investing it and building wealth.

00:07:06.639 --> 00:07:07.920
I just was terrible at it.

00:07:08.000 --> 00:07:11.439
I mean, after 40 years, you'd think I'd have had a huge nest egg and I got nothing.

00:07:11.680 --> 00:07:15.199
So I decided I can't waste my time with a bunch of investment theories.

00:07:15.279 --> 00:07:21.920
I dug down and read 21 books, listened to 13 podcasts faithfully on financial planning, read blogs and newsletters.

00:07:22.079 --> 00:07:24.399
Every time I got a good idea, I put it on this one piece of paper.

00:07:24.480 --> 00:07:30.240
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.

00:07:30.319 --> 00:07:33.360
I couldn't be looking at Wall Street and looking at the market, all that kind of thing.

00:07:33.519 --> 00:07:45.360
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.

00:07:45.600 --> 00:07:48.720
James, I now know it is never too late to rewrite your story.

00:07:48.879 --> 00:07:54.879
Because if I can pull that off starting as late as 63, I know anyone can with the right direction.

00:07:55.120 --> 00:07:55.360
Okay.

00:07:55.519 --> 00:07:56.720
Well, it's very interesting.

00:07:56.879 --> 00:08:00.240
So Father's Refuge is about loss and grief.

00:08:00.399 --> 00:08:13.600
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.

00:08:13.839 --> 00:08:20.480
So I started this out because in 2001 we lost our daughter Jessica, who was 10 years old, to cancer.

00:08:21.199 --> 00:08:26.800
And there was no support back then for fathers that were dealing with loss and grief.

00:08:27.040 --> 00:08:33.679
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.

00:08:33.919 --> 00:08:34.720
You've got a story to tell.

00:08:34.799 --> 00:08:36.639
And I'm like, Oh, that was like an epiphany.

00:08:36.720 --> 00:08:38.639
I was like, Why didn't I even think of that?

00:08:38.799 --> 00:09:06.639
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.

00:09:06.720 --> 00:09:17.120
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.

00:09:17.279 --> 00:09:18.000
They let me go.

00:09:18.080 --> 00:09:21.840
And I was like, I thought that was gonna be my last job as an adult, right?

00:09:21.919 --> 00:09:24.720
I was just gonna ride the gravy train and and retire.

00:09:24.879 --> 00:09:34.480
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.

00:09:34.639 --> 00:09:38.000
And I was like, I was hard pressed to find another IT job.

00:09:38.159 --> 00:09:49.039
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.

00:09:49.279 --> 00:09:50.399
Well, what does that tell you?

00:09:50.559 --> 00:09:52.399
It tells you that you're just too old.

00:09:52.480 --> 00:09:54.080
They're not gonna come out and tell you that.

00:09:54.240 --> 00:10:04.000
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.

00:10:04.159 --> 00:10:14.960
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.

00:10:15.120 --> 00:10:27.200
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?

00:10:27.440 --> 00:10:31.600
And so I want to talk a little bit about that as well.

00:10:31.840 --> 00:10:35.519
So when a man loses his job, it hits deeper than finances.

00:10:35.679 --> 00:10:39.039
And your experience was what does that moment feel like on the inside?

00:10:39.279 --> 00:10:42.639
It's a combination of terrifying loss, certainty.

00:10:42.879 --> 00:10:46.960
I remember, you know, I'm the kind of person, when I my head hits a pillow, James, I I'm asleep.

00:10:47.039 --> 00:10:48.720
You know, I'm asleep for the night.

00:10:48.879 --> 00:10:52.639
But I remember waking up in the middle of the night saying, wait a minute, we still got all these bills going out.

00:10:52.720 --> 00:10:55.679
That the electric company didn't say, hey, we're gonna give you a break because you got laid off.

00:10:56.000 --> 00:10:57.360
I didn't get laid off, I got fired, okay?

00:10:57.600 --> 00:10:59.919
Well, we're gonna give you a break on the water bill because no, no, no.

00:11:00.000 --> 00:11:05.679
It was they were all barreling at us, and I had no money coming in, zero money coming in.

00:11:05.840 --> 00:11:07.600
And that is such a frightening experience.

00:11:07.679 --> 00:11:11.440
I remember my wife, just talk about the the pain of the whole thing.

00:11:11.600 --> 00:11:22.080
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.

00:11:22.240 --> 00:11:24.480
And so I went with her to help out because I had nothing else to do.

00:11:24.559 --> 00:11:26.399
I was sending my resume, but getting nowhere.

00:11:26.559 --> 00:11:33.279
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.

00:11:33.360 --> 00:11:38.799
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?

00:11:38.960 --> 00:11:41.919
I should be out earning a living, providing for my family.

00:11:42.080 --> 00:11:49.759
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.

00:11:49.919 --> 00:11:51.759
I just felt like I wanted to scream.

00:11:51.840 --> 00:11:54.240
I wanted to break out, but where was I to break out to?

00:11:54.399 --> 00:12:04.320
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.

00:12:04.720 --> 00:12:05.600
Sure, absolutely.

00:12:05.840 --> 00:12:17.440
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?

00:12:17.679 --> 00:12:19.279
It was it was very traumatic for me.

00:12:20.480 --> 00:12:24.960
I think that for men, um, and you've noticed this, I'm sure.

00:12:25.200 --> 00:12:34.320
Um you'll go to a party or you go to a social event, and somebody will inevitably ask, Well, who are you?

00:12:34.399 --> 00:12:35.120
What do you do?

00:12:35.360 --> 00:12:38.159
You know, and what it what do men typically fall back on?

00:12:38.320 --> 00:12:39.039
And even women.

00:12:39.200 --> 00:12:40.559
We tell them what we do for a living.

00:12:40.720 --> 00:12:46.080
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.

00:12:46.320 --> 00:12:52.159
Well, that's that's a very it's it's a large part of who we are, definitely.

00:12:52.320 --> 00:12:56.159
You know, it helps pay our bills and uh provides for our families.

00:12:56.399 --> 00:12:57.600
That's not really who we are.

00:12:57.759 --> 00:12:59.519
That's that shouldn't be our identity.

00:12:59.679 --> 00:13:03.120
We are I'm James Moffat and you're David Nassif.

00:13:03.279 --> 00:13:06.480
And and there's more to us than a paycheck.

00:13:06.639 --> 00:13:20.559
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.

00:13:20.720 --> 00:13:26.480
Oh, I work for Boeing, or I work for the VA, or I work for General Electric, or whoever, you know, whoever.

00:13:26.639 --> 00:13:29.919
And you're like, because that kind of validates who we are, right?

00:13:30.000 --> 00:13:32.000
It gives us it gives us value.

00:13:32.159 --> 00:13:35.519
But in essence, that's not who we are, that's not our identity.

00:13:35.759 --> 00:13:45.360
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.

00:13:45.440 --> 00:13:46.799
And today's your last day.

00:13:46.960 --> 00:13:57.120
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?

00:13:57.279 --> 00:13:58.480
What uh what am I gonna do?

00:13:58.720 --> 00:13:59.679
I was shocked.

00:13:59.840 --> 00:14:03.039
I was I because it came out of left field, I was not expecting it.

00:14:03.440 --> 00:14:09.600
Because I was a regional IT manager and I I serviced five different locations in the low country.

00:14:09.759 --> 00:14:11.360
And they didn't I was it.

00:14:11.519 --> 00:14:13.039
I was a one-man show.

00:14:13.200 --> 00:14:17.840
And I thought, well, surely they're not going to get any do anything to my position.

00:14:17.919 --> 00:14:23.919
And Wendham Vacation Rentals was going through a re-org, which is ultimately what killed my spot.

00:14:24.080 --> 00:14:41.840
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?

00:14:42.000 --> 00:14:46.720
Yeah, you know, and of course most of us, unless you have a big fat nest egg, you got creditors looking at you.

00:14:46.799 --> 00:14:57.759
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.

00:14:57.919 --> 00:15:04.240
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.

00:15:04.399 --> 00:15:05.039
Yep.

00:15:06.559 --> 00:15:12.399
So anyway, a lot of men don't talk about the embarrassment, fear, or anger that comes with job loss.

00:15:12.559 --> 00:15:15.200
What emotions do you see men wrestling with the most?

00:15:15.440 --> 00:15:17.200
I think pride is one of them for me.

00:15:17.440 --> 00:15:21.039
But I quickly got rid of the pride thing because it was I I had to go to survival mode.

00:15:21.120 --> 00:15:23.120
It's like, wait a minute, okay, I don't have time to be proud right now.

00:15:23.360 --> 00:15:25.279
I really need to get some money coming in here.

00:15:25.519 --> 00:15:33.440
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.

00:15:33.519 --> 00:15:38.399
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.

00:15:38.559 --> 00:15:48.080
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.

00:15:48.320 --> 00:15:49.200
Let me just share this.

00:15:49.519 --> 00:15:52.000
A scientist at the Max Planck Institute didn't experiment.

00:15:52.240 --> 00:15:58.480
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.

00:15:58.639 --> 00:16:00.320
And these are confident, capable people.

00:16:00.480 --> 00:16:07.039
But when the clouds covered the sun, the GPS tracking showed they were gradually starting to walk in circular motions.

00:16:07.440 --> 00:16:09.840
Some of them were ending up right back where they began.

00:16:10.000 --> 00:16:14.960
But every single one of them was absolutely convinced that they were walking a perfectly straight line the whole time.

00:16:15.360 --> 00:16:17.440
That was me, James, for 40 years.

00:16:17.600 --> 00:16:25.679
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.

00:16:25.759 --> 00:16:29.360
And that's where I ended up and I says, I can't do this anymore when this happened.

00:16:29.440 --> 00:16:35.519
I says, I have got to get on a plan that gets me going in one direction because I'm done with making mistakes.

00:16:35.600 --> 00:16:36.639
I can't do it anymore.

00:16:36.720 --> 00:16:40.720
And that's why I came up with a compass that got me that kind of put the emotions aside.

00:16:40.799 --> 00:16:44.240
And when I started making money, it was like, okay, this is I can do this now.

00:16:44.320 --> 00:16:46.080
I I I see the light at the end of the tunnel.

00:16:47.039 --> 00:16:49.039
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.

00:16:52.320 --> 00:16:56.960
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.

00:19:12.960 --> 00:19:16.880
So there's this pressure to stay strong for the family, even when you feel lost.

00:19:17.039 --> 00:19:19.920
How have you seen that pressure affect men during the season?

00:19:20.160 --> 00:19:21.920
Well, I suppose different men differently.

00:19:22.000 --> 00:19:24.319
I only can speak from what I've experienced.

00:19:24.480 --> 00:19:28.480
And for me, it was kind of a it was kind of a motivating factor.

00:19:28.640 --> 00:19:40.480
I wasn't gonna my wife of 30 years, I was not going to allow her to end our life with in misery in the last how many more decades or whatever we had left.

00:19:40.640 --> 00:19:41.519
I just wasn't gonna do it.

00:19:41.599 --> 00:19:42.400
It wasn't fair to her.

00:19:42.480 --> 00:19:46.960
I just felt like I I I just I I just felt a moral and responsibility.

00:19:47.119 --> 00:19:49.119
I have to make figure this out.

00:19:49.279 --> 00:19:51.920
And and and that was really a driving force.

00:19:52.079 --> 00:19:58.480
And maybe if I was single and and if I had more money, I would have, you know, things would have just not even I don't know what would happen.

00:19:58.559 --> 00:20:02.559
But but because of her, and she believed in me so much, she believed me more than I did.

00:20:02.640 --> 00:20:06.960
I mean, when I came home and told her that, she was, honey, I know you're gonna turn this around.

00:20:07.039 --> 00:20:08.799
I don't know how, but you I believe in you.

00:20:08.880 --> 00:20:09.759
I know you can do it.

00:20:09.920 --> 00:20:17.119
But you know, James, I have to be honest, I I known her for 30 years at that point, and I looked into her eyes and I could see concern, which broke my heart.

00:20:17.200 --> 00:20:23.599
I mean, it's like I could see concern, but sure because she was putting on a strong front for me, and and she was she I know she believed it, but but she was still concerned.

00:20:23.759 --> 00:20:24.559
I mean, 63.

00:20:24.880 --> 00:20:26.240
This is like pretty serious.

00:20:26.480 --> 00:20:31.200
So I I think my wife was a big factor in my saying, I cannot fail.

00:20:31.279 --> 00:20:32.079
That's not an option.

00:20:32.160 --> 00:20:38.240
It's just not an option, and I'll do whatever it takes to within moral and legal and ethical ways to make it work, right?

00:20:38.559 --> 00:20:40.480
Well, you know, losing income.

00:20:40.640 --> 00:20:46.000
Um it kind of runs the little red wagon off the off the trail and kind of sets it on fire, right?

00:20:46.160 --> 00:20:46.319
Yeah.

00:20:46.480 --> 00:20:57.039
And and there's a you know, there's the finality of losing your job and the security that goes along with that and the hope of the next, you know, the the the next few paychecks.

00:20:57.200 --> 00:21:06.640
And 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.

00:21:06.880 --> 00:21:09.599
But most families in America have two income families.

00:21:09.759 --> 00:21:22.240
You know, they it requires two incomes for for them to survive, to put food on the table, pay the living expenses, hopefully get ahead a little bit, save for vacation, save for retirement, whatever it is that you're doing with your money.

00:21:22.400 --> 00:21:30.799
But you know, and so a lot of that fear and angst and anxiety from the family kind of reflects back on you, right?

00:21:30.960 --> 00:21:42.640
And you you you want to stay strong, you want to be strong, you want to put on a not necessarily a you know, a good front, but but you don't want to show when they're weak, you need to be strong, right?

00:21:42.720 --> 00:21:45.599
And so how how do you do that for your family?

00:21:45.759 --> 00:21:53.200
How do you remain strong, but at the same time dealing dealing with the identity crisis and the fear that you're battling?

00:21:53.359 --> 00:21:53.519
Yeah.

00:21:53.759 --> 00:21:59.680
And you know, a lot of these people when you lose a spouse, unfortunately I don't have that experience, but I know people who have, and I've seen the devastation.

00:22:00.319 --> 00:22:02.319
After that, not just emotionally, but financially.

00:22:02.480 --> 00:22:07.440
Like you say, a lot of most families today, not a lot of them, most of them probably have a two-family income.

00:22:07.519 --> 00:22:13.920
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.

00:22:14.000 --> 00:22:18.960
And if you start making mistakes now because of that situation, it just compounds the problem.

00:22:19.039 --> 00:22:20.400
It really does compound it.

00:22:20.480 --> 00:22:22.000
And I've seen people suffer too much.

00:22:22.160 --> 00:22:25.039
That's why when I made my compass, I made it simple.

00:22:25.200 --> 00:22:29.599
I made a non-financial tech type thing and more like just for the average person.

00:22:29.680 --> 00:22:37.359
And we have like if 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.

00:22:37.519 --> 00:22:44.640
And that's it's just very simple because with that kind of loss, it's the worst thing to do is now make compound it with financial pain.

00:22:44.799 --> 00:22:49.279
You know, you got the emotional pain, but now let's compound it with no, we don't want to compound it with financial pain.

00:22:49.440 --> 00:22:49.920
We really don't.

00:22:50.160 --> 00:22:53.839
So at some point a man realizes he has to build from the inside out.

00:22:54.000 --> 00:22:56.640
What does the first honest step usually look like?

00:22:56.880 --> 00:22:58.240
What was your first honest step?

00:22:58.480 --> 00:23:04.960
Well, the first honest step was recognizing I blew it for and I'm not saying everyone's this way, okay, but but for me, I'm going to speak great.

00:23:05.119 --> 00:23:06.079
I blew it for 40 years.

00:23:06.160 --> 00:23:08.640
I I mean, I knew how to make money, but I didn't know how to build wealth.

00:23:08.720 --> 00:23:10.880
Those are two different separate skill sets.

00:23:11.039 --> 00:23:14.720
And I I was pretty good at one, lousy at the other one.

00:23:14.799 --> 00:23:17.839
And I had to be honest with myself, I have to do it differently.

00:23:17.920 --> 00:23:24.079
If I keep doing it like I'm doing, just making more money isn't going to solve anything because we're still going to end up in a on a cliff at the end of it.

00:23:24.160 --> 00:23:26.880
And so I think being honest with yourself is the first step.

00:23:26.960 --> 00:23:35.039
And then then for me, financially, you know, and again, I'm talking from a financial standpoint, is this is the actual one-page compass, so I'm going to give to all your listeners for free.

00:23:35.119 --> 00:23:37.440
There's no nothing, I'm not here to sell you nothing arguing that.

00:23:37.599 --> 00:23:38.960
But basically, these are the nine steps.

00:23:39.039 --> 00:23:42.400
And you just figure out where you're at in these nine steps, and you just pick up from there.

00:23:42.559 --> 00:23:49.599
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.

00:23:49.680 --> 00:23:59.680
And and and sometimes when you're emotional or when you just don't know, 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.

00:24:00.240 --> 00:24:00.880
Right.

00:24:01.519 --> 00:24:09.200
So practically speaking, what small routines or habits help a man regain momentum and confidence after everything feels disrupted?

00:24:09.519 --> 00:24:28.000
Well, when it comes to, again, I'm I'm speaking from a financial standpoint, but when that becomes disrupted, either because of a loss of a job or of a spouse, and that the result of it is, I think the the one thing is is to one thing I say to do is take two minutes a week, and and I actually have it on my calendar at four o'clock on Fridays.

00:24:28.079 --> 00:24:29.839
I do this every four o'clock on Fridays.

00:24:29.920 --> 00:24:38.960
I take two minutes a week and I look at the 30,000 foot view of where I'm at and say, okay, am I going in the right direction or I'm going off side, that kind of thing?

00:24:39.039 --> 00:24:44.240
And and that's what the compass is designed to do, is to give you that executive level 30,000 foot view.

00:24:44.400 --> 00:24:48.400
Am I going, if I had only done this 40 years ago, oh my gosh, my life would be so much different.

00:24:48.480 --> 00:24:50.720
I I wouldn't have gone in circles for 40 years financially.

00:24:50.799 --> 00:24:53.920
If I could just see the 30,000-foot view, where do I want to go?

00:24:54.079 --> 00:24:55.119
Where am I now?

00:24:55.279 --> 00:25:00.240
And see that, that that would make a big difference to just have a like a little personal meeting with yourself.

00:25:00.400 --> 00:25:07.519
And if you have something like a compass, like I'm showing you, then you then you have a tangible thing to say, okay, here's where I'm at, and I need to get to the next step.

00:25:07.599 --> 00:25:08.559
So what do I got to do?

00:25:08.720 --> 00:25:11.680
And that that's where, and again, I'm not trying to sell the book, but that's when the book comes in.

00:25:11.759 --> 00:25:24.079
It's basically if you get the step, you're at a step and you're stuck or you need to help with that step, it says right in here, chapter three or five or whatever the step is, and you just go to it, and this is like your ground game, your map, like take a right here, take a left here.

00:25:24.240 --> 00:25:31.119
And and and even when you have a lot of emotions, it's just nice to have a practical, step-by-step way to give me the recipe, will you?

00:25:31.200 --> 00:25:32.079
So I could just follow it.

00:25:32.160 --> 00:25:36.000
I I really don't have time to either reinvent the wheel or get all off track.

00:25:36.160 --> 00:25:38.400
And that's you know, that's where I would do, anyways.

00:25:38.799 --> 00:25:41.200
So men tend to isolate when they're hurting.

00:25:41.359 --> 00:25:45.359
What changes when a man lets even one or two trusted people into the struggle?

00:25:45.680 --> 00:25:47.599
Well, it does change a lot uh for me, anyways.

00:25:47.680 --> 00:25:51.200
I mean, my my wife was a big part of it, and she was very good.

00:25:51.599 --> 00:25:55.359
I have a couple good friends that were very supportive, and it's nice.

00:25:55.519 --> 00:25:59.200
Even if you just have one person to talk to, I think it makes a big difference, you know.

00:25:59.359 --> 00:26:00.480
And then I had my faith.

00:26:00.559 --> 00:26:02.880
I mean, I I don't know, I'm I'm just being honest with you.

00:26:03.039 --> 00:26:05.279
I mean, my my faith was a big factor.

00:26:05.359 --> 00:26:14.000
I don't think I could I I would have made it if it wasn't for my faith and and and my an answer to prayers that you know, I but you know, I looking back here, let me just say one thing.

00:26:14.079 --> 00:26:16.000
I've heard this saying once, I don't know if you've ever heard of it.

00:26:16.160 --> 00:26:24.079
Someone was g in a dark, dark time in their life, and they prayed and they says, Lord, please relieve me from this burden, help me out free from it.

00:26:24.240 --> 00:26:30.480
And the answer they and the impression they got in their mind was, I love you too much to deny you of this experience.

00:26:30.640 --> 00:26:37.359
And looking back, I tell you, I wanted out of that situation so bad, you know, with the the nightmare of no job and all that kind of thing.

00:26:37.440 --> 00:26:42.319
But I looking back now, I needed to go through that finan and I need to go through that financial nightmare.

00:26:42.480 --> 00:26:45.039
So I I came out much stronger than I ever have.

00:26:45.200 --> 00:26:47.039
My life is much better than it's ever been.

00:26:47.119 --> 00:26:49.920
And I don't think I I would have I I think I needed that.

00:26:50.000 --> 00:26:52.880
Now I'm not saying that's the the case for other people like losing a spouse.

00:26:53.039 --> 00:26:55.200
I'm not I'm not saying that I'm just talking finance here now.

00:26:55.279 --> 00:26:59.200
I mean but but sometimes we have to go through the tough times to get stronger, I think, in a way.

00:26:59.519 --> 00:27:13.680
So so your story illuminates the fact that that you for forty years or whatever, that you were doing the grind and you know the nine to five and you were making money and like all of us, you know, making money, paying bills, trying to put some aside.

00:27:13.920 --> 00:27:14.240
Yeah.

00:27:14.400 --> 00:27:22.640
And when you lost your job, which is what produces the loss and the grief, when you lost your job, which was kind of your security blanket, right?

00:27:22.799 --> 00:27:29.119
All of a sudden you had an epiphany or you were you were forced to recognize that you had a bigger problem.

00:27:29.279 --> 00:27:29.440
Yeah.

00:27:29.680 --> 00:27:29.920
Right?

00:27:30.400 --> 00:27:30.640
Exactly.

00:27:30.799 --> 00:27:36.799
And you r you you recognize the fact that you couldn't continue down the road doing the same thing.

00:27:36.960 --> 00:27:39.599
And and it's like there's a what's what's the story?

00:27:39.680 --> 00:27:42.880
It says, What what's uh what's the definition of insanity?

00:27:43.039 --> 00:27:50.319
The definition of insanity is doing the same thing every day, the same way, over and over and over again without making any changes.

00:27:50.480 --> 00:27:52.799
It's like if you don't like your life, change it.

00:27:52.960 --> 00:27:56.640
Make tiny changes like Denzel Washington says in his equalizer movies.

00:27:56.799 --> 00:27:58.960
If you don't like your life, make a change.

00:27:59.119 --> 00:27:59.599
Change it.

00:27:59.839 --> 00:28:01.200
Progress, not perfection.

00:28:01.359 --> 00:28:06.880
So make, you know, set your goal, which is what's kind of what you've been saying, is you set a goal.

00:28:07.599 --> 00:28:08.799
You know, you're what's your goal?

00:28:08.960 --> 00:28:16.319
Your goal is when you when you're 85 or 90 years old or whatever, 70, 75, none of us know how long we're gonna live.

00:28:16.480 --> 00:28:19.519
But at some point, you're gonna get tired of working, right?

00:28:19.759 --> 00:28:21.680
I don't care how much money you're making now.

00:28:21.839 --> 00:28:22.240
That's right.

00:28:22.319 --> 00:28:25.279
At some point you're gonna go, I want to retire and enjoy life.

00:28:25.440 --> 00:28:28.960
But but before you can do that, you need a little nest egg.

00:28:29.039 --> 00:28:40.799
You need to be able to have retirement money that you can look at and go, okay, so we have X amount of money in 401s, IRAs, whatever, whatever it might be.

00:28:41.039 --> 00:28:50.799
So you look at that and you go, you divide however many l years of life you have left, 10, 20 years, how much will it take us to live if I live another 10 or 20 years?

00:28:50.880 --> 00:28:53.279
And you you have the equation, right?

00:28:53.440 --> 00:28:56.880
And so that's what you're that's the goal that you're looking for.

00:28:56.960 --> 00:29:05.680
And what you're saying is is that you've made some subtle changes, or maybe even some drastic changes, to to reach a different goal.

00:29:05.839 --> 00:29:10.880
Like your goal is not to work nine to five to earn just to earn a paycheck and barely get along, right?

00:29:11.279 --> 00:29:17.759
Your goal is to be able to build wealth, which I think who amongst us doesn't need to learn that, right?

00:29:17.920 --> 00:29:50.880
How many who I'm sorry, fathers, I know this this podcast normally talks about the emotional uh toil of losing a loved one, and I and it in and that there's you know, we're not we're not discounting that or making light of that, but but how many of us men who are are the leaders of our families, husbands of wives, fathers to children, and we're responsible for leadership in our homes, and we're responsible for providing for our families as best as we can.

00:29:51.359 --> 00:29:55.599
And so, so, you know, and how many of us have financial stress?

00:29:55.759 --> 00:30:05.839
I have financial stress, you know, and I bet a lot of people listening to this podcast have financial stress because of circumstances outside of their control, like losing a job, right?

00:30:06.000 --> 00:30:10.000
Or or making silly mistakes and missteps along the way.

00:30:10.160 --> 00:30:11.440
I've made plenty of those.

00:30:11.599 --> 00:30:16.960
I I'm not a financial counselor, but I can tell you one thing, I'm an expert on what not to do.

00:30:17.599 --> 00:30:18.960
I'm an expert at do it.

00:30:19.359 --> 00:30:24.160
Hindsight's 2020, and I can tell you exactly financially what not to do.

00:30:24.319 --> 00:30:29.440
And I'm I may not know what to do to turn it around, but I know what not to do.

00:30:29.599 --> 00:30:31.519
So I can tell them what not to do.

00:30:31.759 --> 00:30:35.200
You can tell them what to do with your book and your plan, right?

00:30:35.440 --> 00:30:39.119
So so I think that um I think that's a good thing.

00:30:39.200 --> 00:30:50.319
And I think I think that families uh experience uh challenges and stress because there's there's more bills than there is paycheck.

00:30:50.480 --> 00:30:53.200
And and you know, my wife and I are in our 60s.

00:30:53.279 --> 00:30:56.480
My wife's 66, I'm 64, turned 65 in November.

00:30:56.640 --> 00:30:58.960
We didn't plan for we didn't plan for retirement.

00:30:59.279 --> 00:31:16.160
So we're gonna have to work uh until we can't work anymore, and I've got social security benefits that are there to help, you know, and and so that that's a little bit of a s a safety net that I can fall back on, but but I probably need to figure out how to build wealth too.

00:31:16.240 --> 00:31:17.440
You know, this is something that I can do.

00:31:17.680 --> 00:31:18.079
We all do.

00:31:18.240 --> 00:31:18.720
We all do.

00:31:18.960 --> 00:31:20.240
Sure, absolutely.

00:31:20.480 --> 00:31:31.920
Whether you're s whether you're selling whether you're selling peanut butter 24 hours on the weekend or or whatever, we we need to figure out how to get beyond the nine to five grind.

00:31:32.160 --> 00:31:32.319
Yep.

00:31:32.559 --> 00:31:34.880
And you can I mention one more thing, James, because it's important.

00:31:35.119 --> 00:31:35.599
Sure.

00:31:35.839 --> 00:31:41.279
When you have a traumatic loss like I can't even comprehend about losing a spouse, a loved one, or a child or whatever.

00:31:41.440 --> 00:31:46.480
What I would like to avoid is having another traumatic problem down the road.

00:31:46.559 --> 00:31:53.680
And I just like to share with your listeners, because this is real stuff, and I don't know if they understand it, maybe they'll say, wait a minute, maybe I need to take this a little more serious than I have.

00:31:53.839 --> 00:31:56.000
This is from the National Council on Aging.

00:31:56.240 --> 00:32:00.000
80% of older adults are facing financial insecurity.

00:32:00.160 --> 00:32:02.160
I didn't say 10%, I'm saying 80%.

00:32:02.480 --> 00:32:04.400
That's the majority of senior citizens.

00:32:04.720 --> 00:32:10.640
49.6% of people, 60 plus, do not have sufficient income for their basic needs.

00:32:10.720 --> 00:32:12.799
I'm talking housing, food, and health care.

00:32:13.119 --> 00:32:15.839
That's half the senior population.

00:32:16.160 --> 00:32:23.039
Another one, older adults, the bottom 20% of the wealth chart, whatever, they die nine years earlier than the top.

00:32:23.200 --> 00:32:25.039
So we're not just talking about money now and pain.

00:32:25.119 --> 00:32:26.720
We're talking about actual people at loss.

00:32:26.799 --> 00:32:28.079
And here's this last line.

00:32:28.319 --> 00:32:37.440
Cause of gut-wretching stress for seniors, the number one fear is the fear of running out of money due to little savings and investments for retirements.

00:32:37.680 --> 00:32:43.599
This is most people work 40 years and they're good people and they were loyal employees to their employer.

00:32:43.759 --> 00:32:46.000
But the problem was they didn't have a plan.

00:32:46.160 --> 00:32:49.839
And they made other people wealthy, but they didn't make themselves wealthy.

00:32:49.920 --> 00:32:54.079
And that's what I'm trying to make people aware of is don't wait till you're in your 60s.

00:32:54.160 --> 00:32:57.519
If you're in your 30s and 40s, oh my gosh, you've got an opportunity here.

00:32:57.759 --> 00:33:00.319
Don't head for another traumatic experience.

00:33:00.480 --> 00:33:05.279
I know people literally who had to make decisions between medicine and food or medicine and rent.

00:33:05.440 --> 00:33:07.279
And it's it just tears you up.

00:33:07.440 --> 00:33:08.240
I mean, to see that.

00:33:08.319 --> 00:33:09.680
And they take that to their grave.

00:33:09.759 --> 00:33:11.839
It doesn't turn around when you're 78.

00:33:11.920 --> 00:33:13.599
You know, it just doesn't suddenly magically turn around.

00:33:13.680 --> 00:33:15.119
No one comes in and saves you at 78.

00:33:15.200 --> 00:33:24.319
So I just say start now and please, for free, go to onepagewealthcompass.com, download the free, no charge, no, there's no hidden thing there.

00:33:24.480 --> 00:33:31.279
Don't forget, get take a look at the one page and say, hey, maybe I have a one minute, I'm gonna have a two-minute meeting with myself every week and I'm gonna make sure I'm on the right path.

00:33:31.359 --> 00:33:38.960
So I don't wake up 20 years later like David did at 63 and be on a cliff, a financial cliff, right to put get pushed over.

00:33:39.200 --> 00:33:41.680
Because you no one needs to face that in their senior years.

00:33:41.839 --> 00:33:42.400
It's nobody.

00:33:42.480 --> 00:33:44.000
I just felt like that was important to say.

00:33:44.240 --> 00:33:44.640
I agree.

00:33:44.799 --> 00:33:46.960
So, David, thank you for being on the podcast today.

00:33:47.119 --> 00:33:58.480
I appreciate your your uh story and your uh encouragement for for men and families to work on building wealth and to uh prepare for their future.

00:33:58.640 --> 00:34:02.240
So, to the listening audience, I want to say thank you for the privilege of your time.

00:34:02.400 --> 00:34:03.519
Thank you for listening today.

00:34:03.599 --> 00:34:12.079
If you're in a season where work has fallen away and you're trying to find your footing again, hear this your worth isn't tied to a job, and this moment doesn't define you.

00:34:12.239 --> 00:34:14.480
You can rebuild one honest step at a time.

00:34:14.639 --> 00:34:19.920
This is the Father's Refuge, a place for men, finding hope after loss, and we'll see you next time.

00:34:20.079 --> 00:34:33.199
Bye bye, I'm gonna be able to do it.