← The Amazing Authorities Podcast
The Amazing Authorities Podcast
Dwight Heck’s System for Reframing Life & Regaining Financial Power
00:40:30
Loading summary
Transcript55 lines
- [00:02]
A
Welcome to the Amazing Authorities podcast, where game changers, visionaries and category leaders share how they built their brands, platforms and global influence. Your host is Mitch Carson, international speaker, media strategist, and creator of the Instant Authority system. If you're ready to learn from those who've done it and want to become the go to expert in your space, you're in the right place.
- [00:31]
B
Dwight Heck is our guest today and he's a published author and the man has shared. Something that I think you'd want to know is how do you not have a complete bad day? Because we're programmed to believe that sometimes, oh, everything's going wrong, but it's really not. It can just be a short moment. Tell us about that, Dwight.
- [00:56]
C
Well, at the end of the day, I started practicing this practice, as I mentioned prior to you hitting record. I've been to lots of conferences, some of them in my industry, some of them personal development, some to speak at. And I learned, I always learned as I aged and got more seasoned to be a great listener. And being a great listener taught me many things about life. And listening to people taught me that they're extremely triggered through societal pressures, through movies from family, that, oh my goodness, this happened in my day, and they discount the rest of the day. And all of a sudden if you say, hey, right, Mitch, how was your day? Mitch says to me, it sucked. Oh, that's unfortunate. What occurred. You know, depending on what my, my emotional IQ is that I will ask them, otherwise I avoid it, right? Because we got to have boundaries. And I tell them, like, listen, what happened else in the day to day? Did anything good happen? Oh, this happened, this happened. Oh, that's amazing. So why are you letting one character building moment in your day define it? For you to say that you had a bad day, maybe we should redefine that thought process. Maybe you had a bad moment, a character building moment that should not define your day. And I'll say to them, because now I keep on have to readjust the amount of years I've been working on it for about seven years consistently to never have a bad day, even in the most traumatizing loss of my granddaughter, to many other things that have happened in the last, let's say seven years. I've learned to look at that circumstance, embrace the feeling, sit inside that feeling. And I developed certain things that I coach with as well with my clients, both on the life side, on the finance side, and say, you know, I teach them different things to understand they're devaluating their purpose of their day by saying they had a bad day. Because even the simplistic thing of just waking up in the morning, just waking up and being grateful for having, having the ability to be alive, have another shot at a day should be enough of a catalyst for you never ever to say, I've had a bad day. Because guess what? There's people are way worse off than you at this moment that just lost a loved one, right? Lost another loved one, lost somebody in a severe traffic accident, a tragedy. And they, maybe they, they're alive, but you know, they've got trauma going on. They have family in Ukraine and maybe somebody, they haven't heard from them in a long time. Maybe, you know, there's so many different things that we can get hung up on, but we forget to elevate our thought process. And wow, I woke up today, oh my goodness. I had this great call with Mitch today. An hour later, somebody poops at my parade. Okay, I had a character building moment. I need to analyze that circumstance and what happened in that conversation. What was my role in that conversation? Did I forget to listen properly? Did I forget to respond? Using tonality and body language that is congruent with communication? Not hesitant, arms crossed, leaning back. Right. There's just different things that, that it's important that we reprogram and create habits in our mindset where we can honestly say when we go to bed at night and I do my gratefulness exercises, analyzing the circumstance, thinking about that character building moment, never allowing, never allowing that little B voice to come in and say, you had a terrible day. Because I didn't.
- [04:46]
B
Let me, let me get on something, Dwight. Let me. Yeah, so we can go ahead, go back and forth, tell us about the gratefulness exercises. Because I think that is so important and you're right up my alley with that.
- [05:00]
C
Well, I started this a long time ago. I'm a Christian. I'm a person that prays. And I integrated within my, my own life, my purposeful intent for life practices where I wake up in the morning and I'd say 99% of the time I do have the odd hiccup right where I get up and I forget to do it. And then later in the day I'm feeling what's wrong and I realize I forgot to be grateful. Thank you, God for allowing me to wake up today. This is amazing. I have another shot, another opportunity. I open my eyes up, I have food in my fridge, I have a roof over my head and have a great conversation that's going to happen today with Mitch. I'M so excited to look, to be on his show, to have a conversation and build a relationship, another friendship that can last the test of time. Just stuff like that. Oh, I get to, I get to hang my legs off the side of my bed and I get to step down, go into a bathroom where I have running water, I can shower, I can brush my teeth. And people laugh when I say that. But it is that simplistic to appreciate what I know. Literally not millions, billions of people don't have around the world. Right. So grounding myself in the fact of what my day is going to be and appreciating that and understanding, oh, I got to have this today. It's going to be a little bit tense. How am I going to approach that? With honesty, with bluntness, politeness, you know, anger, like cheesing what I'm what, how I'm going to think about that. Thought of not really wanting to do this, but I know I need to do it and can I approach it where I turn it from a negative to a positive? So gratefulness for me starts the beginning of the day, end of the day, I analyze, I review and I go through everything and then I, you know, thank you. Thank you. Give me another shot. Protect me if I don't wake up tomorrow. Take me up, take me, take my soul. But otherwise, you know, give me another shot. I'll work even harder tomorrow. So gratefulness starts today, ends the day. And throughout the day, if I need it, I use it like a, a positive weapon to protect myself from the outside craziness.
- [07:12]
B
Dwight, you're also an author. I'd love for you to share a little bit about that. You have your book handy? Go ahead and show us.
- [07:18]
C
Yeah.
- [07:19]
B
So we can.
- [07:19]
C
This is, this is my book.
- [07:21]
B
Give a heck. Amazon best selling book. Oh, no doubt.
- [07:25]
C
How to live life on purpose, not by accident, depending on who you talk to. It's two and a half, three hour read if you're a slow reader. Right. Maybe a little bit longer. It's a process of sharing with people my origin and the things that I've gone through in my life that caused me to pivot, to have a mindset of compassion and kindness that caused me to understand that what life can give you. I'm going to say with my parents, for example, my dad, very successful entrepreneur, he's still alive, he's retired for a long time, shut his business down. That you always have to understand that throughout your life you have circumstances that happen and do you use it as an anchor your whole life or do you grow to an ability where you can accept it, use it as a stepping stone to success to build you? Because if you don't love you and you don't like who you are, it's impossible to educate, teach and instill belief, faith, hope and other people right to get them through their day. So my book starts at my origin, works through my faith. It works through the fact of what do you need to do in order to live intensely when it comes to finance, there's a chapter about how to budget. There's a chapter on how to set goals, which most people have never done based on the smart principle. So it's not so in depth that it's a 600 page book, but it's enough to pique curiosity that maybe they'll reach out to, maybe not. It's not me. Maybe they don't like the chemistry. Maybe after they read the book, they go listen to the multitude of videos and interviews and stuff I have on the Internet and decide I'm not the right fit. But I hope it's enough of a catalyst spark between their six inches to make them go and get an intentional, purposeful life. Because most people don't realize they're on the hamster wheel.
- [09:26]
B
Well, what did you, what did you endure? If you care to share a story, it sounds like you went from one place to another place and had to endure some discomfort. I'll be light in that assignment of a word.
- [09:43]
C
Well, I share in the book about, you know, there's so many stories in there. I look at sharing the stories of, you know, even my granddaughter passing away. But I look back at my childhood and I was a sickly kid, you know, born in the 60s. I get into, get into school. I got severe asthma, so I was bullied because of it. They didn't have rescue inhalers back then. They didn't exist. Yeah. And having to be in sports getting picked last or being in sports, wanting to stay in it. But the coaches wouldn't put me in because I didn't have the staying power because of my lung capacity to. So then I got teased at school. I got teased incessantly and built a shell around myself. Okay. Started kind of being a clown, kind of goofy and you know, just trying to fit in to a point where I couldn't fit in. So I just became very. I was introverted already, became more introverted and moved on with my life. My first entrepreneurial position, I talk about there is a story how much it changed my life for realizing when I was older that I was an entrepreneur at 12, when people. What do you mean you're an entrepreneur at 12? Lemonade stand. No, I was in the era of where you got up and you delivered newspapers.
- [11:05]
B
Same here.
- [11:06]
C
I had to go collect money and I got doors slammed in my face. I was such a kind guy, guys. Women, two, three months not pay. Knock, knock, knock, ring doorbell. And you see, like, curtain open a little bit, and they look and quickly, right? And. And then my dad teached me lessons when he found out because I had hid it from him because he was busy with his own business and all his staff. Why are you doing that? Right? Kindness is. Kindness is earned. They're not earning your kindness, Right. Why are you being kind to them? Cut them off, right? Let the paper know. Paper wouldn't do nothing. It was my responsibility because I even had.
- [11:43]
B
I hear you.
- [11:44]
C
I had to write checks, right? I had to have a checking account. And for you guys, it's your tin number, your ein number, your tin number. For us, it's our sin number. I had to have a social insurance number. I had to be able to write checks, had to track money. I had to pay for my papers every week. I had to write a check to the guy that dropped them off. And you know what I mean? Whether I got paid or not, my dad said, well, it's fine to have a good heart, but it's not okay to get taken advantage of. But that was my first entrepreneurship, right? So that's one of the stories I shared. Like, that was. It was very profound when I had that. So writing my book was very cathartic. There was many things that I learned about myself that I kind of knew, but now I took a deep dive into it, and now I'm sharing, and now I'm having crying episodes reading the chapters I wrote or. You know what I mean? It was very. Yeah, that was one of the stories. So I look back and I think to myself of that little boy delivering newspapers and trying to. Trying to win friends from the people that were my subscribers and get, you know, letting them get away with not paying me or shortchanging me or having a check bounce. Because he'd write me a check and I would bounce, right? And, you know, it just. Those are the little things that I shared within the story about my health issues and then becoming a paper boy and wanting to be like my dad, who is a successful entrepreneur that I just, you know, I put up on a pedestal. So that gives you an idea.
- [13:11]
B
Yeah. I was also a paperboy. Different weather conditions. I was In l. A. In an area called the San Fernando Valley, Delivering in the summer, which was extremely hot, on my schwinn bicycle with papers on both sides of my rack, my bike rack in the back. And that was. I had to roll them up, stick them in there. Same circumstance. Americans are no different than Canadians in this way. Dwight. I had to collect the money. And I remember cutting people off. And when I would ask for it, the door would slam. In some cases, many would give me a tip. And I. The biggest tip I got was 10 cents. 10 cents back then I got a 10. A dime. You know, I don't.
- [13:53]
C
Oh, I was excited at Christmas because I had. I had subscribers that would. I'd get a little card and there'd be $5 in it, and I'm like, wow, wow.
- [14:05]
B
Canadians are more generous. But that I. This was a wealthy neighborhood I was delivering to, and I remember when I would collect each month, I. I didn't have the route. When a Christmas rolled around, my mom pulled it because I got sick and I had some. Some health issues also. I had to stop doing it. But it gave me life lessons, much like you're talking about. Never had the lemonade stand, you know, so it was. It was great. You delivered in the winter or was.
- [14:33]
C
All four seasons, brother.
- [14:36]
B
Wow.
- [14:36]
C
Blizzard, blizzard, downpour, it didn't matter. Spring, spring, summer, fall, winter. I did it for many years. I had a very big route too. And there was times where my asthma would get so bad, where I'd get sick. Then my mom and my sisters would go out. But I had such a big route. I'd have a paper like they give us these sacks. I'd have papers. I'd have one hanging on my head. I'd have one going over one shoulder, one going over the other. And I was pulling a little radio. What do they call the old radio wagons I had tied?
- [15:13]
B
Yes.
- [15:14]
C
When the weather was nice, obviously with my. With my 10 speed back then. And now they're 20, 30, 40, 50 speeds. But the original, you know, 10 speed. And I'd be dragging again. Wow. And I remember my mom when I'd be really.
- [15:29]
B
Radio flyer. Radio flyer.
- [15:31]
C
Yes, Radio flyer. Thank you. My mom would take me and she drive me because I was too sick. But I refused to give up. So I'd open, I take like 10 fault papers out of the back seat of the old new Yorker they had, and I go delivered 10 houses, come back, have to have a break because it was really hard. And then there was times I was so sick that she just she'd do it with one of my sisters. And what didn't happen a lot, but it taught me that, you know, in life, if you have good family chemistry and a good family there, no matter what age you are, they're always gonna come, you know, like they say, jump to the pump to give you good service right there. But they're jumping to the pump to give you a good service because you're, you're their son, your brother, whatever. And yeah, I did that for quite a few years. And then in between that, working for my dad already very successful business, you can't have summers off. You need to come work at the shop, you need to come help out, you know, on three things that anybody deserves to give you in a healthy atmosphere is roof over your head. Right? Love, food. That's it. Anything else on that? You got to work. Did you. That's why I got a paper out.
- [16:43]
B
Did you instill those values in your, in your kids?
- [16:47]
C
Absolutely, but not to the same extent. And here's why. Eventually, divorce, joint custody, then fighting and getting full time custody. My kids, I had a lot of guilt, right, because they didn't ask for the circumstances of what they were going through. So there was probably things that I shouldn't have done. And maybe still today, now they're all adults. Like I got, I got five grandkids, I got a great granddaughter, right? So my family, families, you know, setting myself out of that circumstance way back then, I probably did do things, but I also told. Taught them a lot of things about needs and wants and understanding, emotional intelligence, and then found out years after the fact that I'm an empath. Never figure out why I could pick up on everything and how emotionally drained I'd be after a really intense conversation with any of my kids or no conversation, and picking up on them, being in their bedroom on the second floor or dealing with clients and picking up all this stuff and getting home and just being like, oh man, I need a week nap. I'm just like, you know what I mean? Like, I was a very intuitive person in that sense, not understanding why, but I used everything that I was learning, as I was learning and continue to personal, personal growth on my kids. Absolutely. Talk to them about budgeting, talk to them about needs versus wants, talk to them about all that stuff. But no matter how much a parent talks in education, tries to help, they didn't get the lessons. Some of them get them really good now and they say, dad, we get it. Just like me about my father and the things I learned from him and my mom. My mom was my. My mom was my. My emotional iq. She was the person that was caring, compassionate, one side too much, other side, not enough with my dad. And there were my yin and yang. So I. Now, all of a sudden, I'm a single parent. Hard to be that Ying and yang. But they do, as adults, look back and say, dad, you did this, this and that. Some of them budget, most of them don't. But yet they heard. They'd come and they'd come to some of the times, and I'd be on a stage. They come, come and watch me do a workshop or conversation speech about financial, you know, power and how do you regain your financial power and how. You know what I mean? And there'll be life skills, stuff intertwined in between that. But they do. They tell me now, like, my oldest is going to be 39 this year. She says to me, dad, I remember some of these things that you did for me. And I realized how much it's impacted me in a positive. And then there's stuff that impacted them in a negative, and they're. And they're welcome to bring it up to me. And we have conversations and I just look at them with all sincerity and say, you know what? I did not realize that. Thanks for sharing. And even though it's maybe a little late, I'm sorry that that impacted you. And sometimes they'll look at me. Well, that's okay. It caused me to be this way, you know, in a positive way. Right. So, yes, I've worked on that with my kids. Well, dad, we need this and this and that. Is that a need or a want they get? They roll their eyes. Right.
- [19:52]
B
Well, tell us about your workshops that you conduct, Dwight.
- [19:56]
C
Well, I have five workshops that I've developed and worked on over the years. Probably the most impactful workshop for anybody listening. I don't care where you are in the world because I can do what I do with you, whether you're in Thailand, you're in Greece, I don't care where you are, Australia. I've dealt with people all over the place in communication and talking to them about it. I think the most impactful workshop is, you know, increasing your cash flow and managing debt. How many people do you know today? Maybe not really well, but you're really con. You're really convinced just based on what you see visually and hear auditorially are living a life on a hamster wheel in debt. And they're. They're struggling. They don't know what to do. Exactly. So this workshop, I can, you know, it presented. I can present it on Zoom to one person, 50 people. I've done it in rooms of hundreds, right? I've done it with. I've done this presentation. And literally it goes through and it tells people, okay, where are you at now? Here's a list of things that we do in our lives. We have subscriptions to this. We do. We take out and buy lunch five days a week, and we do all this stuff and then we look at our numbers, if we actually understand our numbers. And for those that don't understand your numbers, it's when you're all of a sudden get a notice that you're an overdraft, right? That you hit that overdraft limit and now you're living in on lines of credit, credit cards, overdraft. You have more month than you have money. You've run out of days in the month. And this workshop gets you to think, I can't free up any money. I've heard that from everybody. I take them to this workshop and I can be at the kitchen table, be at their business desk, because even business owners, sometimes they need more help than anybody because they run their business the same way they run their personal life, which is scary. And I literally break down and say, okay, if we get rid of this subscription need or want. If we get rid of this need or want and go through that, and usually the, the level, once the workshop's over and they become somebody that's interested in that, then I'm doing goal setting with them. We're goal setting and we're doing budgeting. We're figuring out actually every single number. And it's explained to them that budgeting is not a bad word. It's a great word. It's the biggest thing that will help you, no matter your wealth level, live intentionally. I know wealthy people that live in fear that they're going to lose it all. You know what I mean? And then you have people that are just middle class or happy, they don't care about wealth, and they have all these other things working for them and their goals are different. And then their budget ties into that. You know, wait, we want to save for a vacation. We want to help our kids go to school. We want to do put kids in extracurricular. So you hear it all, right? And I basically say to them, hey, you can afford that. No, we can't. And I look at their budget and all the stuff that they put down, and then obviously a bunch of stuff that I'll say to Them that they didn't think of to put in the budget. Why do I need to put a haircut in there? Does it come out of their same bank account? Absolutely. Well, then it needs to be put down there. How many months do you go? Oh, you go every three months. Oh, this month you have a bunch of presents you have to buy. Have to. No, you don't. No. You can control your spending on that. Let's control your spending. Let's do all this stuff. And all of a sudden, oh, you don't need this subscription. We don't need this. And that we can get away with this. Because I have so much vast knowledge that I've learned over 22 years, I help them understand their cell bills. I help them understand all these things where they can free up 100 or 200 bucks. Hey, what did you say Jimmy's extracurricular was going to be a month? 100 bucks. Wow. We just freed up $200. You want to start saving a little bit for retirement, but your biggest thing that's hanging over you is your debt. So let's see. What's the most important thing? What keeps you up at night? What creates quiet desperation, which I talk about in my book a lot. The things that cause us to drive us into quiet desperation. And then we wear a mask to help. You know, we don't present ourselves. We don't ask for help. We continually bury ourselves emotionally, mentally, physically, financially in debt. So the workshop literally helps people free up the money, helps them understand why budgeting can be. Be why it's so important in goal setting. And that workshop hopefully opens them up to just even being one of the willing for once in their life, not the person that's just staying camped. So they have that conversation, right? That free conversation. You know, the free. The first video calls we have. If you're not local, I can't see you. I will literally just find out what your monsters are. It's not always money. Sometimes it's monsters from your childhood that you've never addressed or didn't realize how it's impacted and affected you. So I have conversations. Hey, Mitch, what was your childhood like? Right? What are your parents? Were your parents around a lot? And I'm not trying to make people hate their parents. I'm trying them to understand that they have learned behaviors that are so integrated into their brain that literally your brain, by 7 to 8 years of age and scientifically proven, is locked in. It's landlocked. And until you know things to take it out of that landlocked stage. You live your life into youth, into teenage them into adultum based on those things that happen in your life. So it all starts in the fact with that initial workshop to give them that impact and show them visuals that hey, freeing up some money can help. I also talk about debt consolidation, how I can help them do it where they don't have to hire a service and I do it for free with them. Right. Initially, depending on how in depth it is. Obviously my country, I do it for free for all my clients because there's. When I work with them and help them, then all of a sudden they have products or services they need where I get paid a commission outside of of the two places I'm licensed in Canada. Then I charge people a fee, but it's based on their ability to pay. Right. Does that make sense? I. I don't necessarily make it, make it so that these services that help them get out of debt screw up their credit ratings. They. When they do simple things because it's all about, oh, if we consolidate and help them get this debt so that their creditors aren't coming after we get a portion every single month. Right. So they make money like a residual income off of it. Where I'm looking at healing them, helping them get out of those circumstances so that they are owning their own thing and we didn't have to screw their credit rating. Sometimes it's too late. When I hear from them, it's just too late.
- [26:40]
B
But that bankruptcy is the option.
- [26:42]
C
Yeah, Consumer proposal is a start in Canada. Then it goes to bankruptcy and I just tell them, you know what, I can't help you, but I can listen. I can support you. Right. Maybe just give you, hey Dwight, they're telling me this and that maybe I can be that sounding board for you because I don't always look at people. I don't look ever look at people as a number. I don't always look at people as being broken. I look at them as being somebody that is temporarily at a valley in their life and they don't know how to get. And they're camped. They don't know how to get back out of that and be climbing again. And they need somebody just to be compassionate, listen to them and I can do that. Maybe you've never become my client. Right. Obviously if it gets too intense and you're in, you're just an energy vampire and you're never working on anything. You know, that's another principle which, which I call a 7030 principle, which I deal with people every aspect of my life now, even direct family. Right. So there's different things that I utilize. But that first workshop teaches people, you do have more money than you think. You just aren't spending it, you know, in a. In a very specific, impactful way to live an intentional life. Now if you know that you have a few hundred dollars extra and you look at, let's say we're July, look in September, got a few hundred dollars extra. Oh wow. Is that ever peace of mind for people to know they have a little bit extra, that they're not always just knee jerk buying. And they're doing that, you know that buyers are more sort of thing. They're buying something for that dopamine hit and then wishing they would and they're too. They feel ashamed to take it back. Then they're stuck with more than they see the credit card debt. You know what I mean?
- [28:28]
B
So it's a cycle, isn't it? It's a hamster wheel.
- [28:32]
C
Absolutely. I talk about it all the time. So that's one of the workshops. And then there's workshops on why insurance is important in your life. All forms of insurance, whether it's death insurance, whether it's critical illness, insurance for you get sick, health benefits, insurance. I'm licensed for all that stuff. So there's a workshop on teaching people why the number one income or part of me. The number one most important thing in your life is your income. People say, why is that? Well, without income, how do you pay your bills? So you need to have understand that the number one thing you have in your life is your income. So should you protect your income, what happens? Statistically, this is not just in Canada. This is North America. You know, many people, tragic accidents happen within a few blocks of people's homes. Most be shocked.
- [29:25]
B
Most.
- [29:26]
C
Why is that? What would be your response to that? Why do you think? You probably know the answer. Why do you think people get into accidents mostly when they're so close to home? Tragic, I think.
- [29:35]
B
Distract, I would guess. And you probably. Well, I'm sure you're gonna give me the. The correct answer. My guess, My instinct would say, Dwight, it's. They're comfortable and they're not paying attention and they, they're neglectful of what it takes to. To be focused on the highway.
- [29:53]
C
They're so excited to get home. They're so excited to get away from the stress of driving. They're so excited to shut off their brain, get into their addictive behaviors, which a lot of people do. And I'm not judging anybody. Addictive behaviors aren't just alcohol and drugs.
- [30:09]
B
It could be Netflix.
- [30:11]
C
It could be. It, hey, it can be, you can be addicted to sex, you can be addicted to being an or sad. You can be addict. You can. So many addictive things. So they, as they approach home, that's their safe spot. Or they, you know, where they can shed the tension of the day. So are they paying attention? So their ability to pay attention from. They leave. When they leave from, from point B to go back to point A of their house decreases as they get closer to home. All of a sudden they're not paying attention. They don't shoulder check as much as they used to.
- [30:45]
B
Right.
- [30:45]
C
They think that car, they think that car is farther away than it is and they're gonna hang a left in front of them. The amount of T bone accidents that happen in North America would floor people.
- [30:56]
B
Yeah, I'm sure it's no different in.
- [30:57]
C
Canada versus the U.S. no, it's just, it's the same. That's why I said North America. It's the same. Right. You're just, we're just orders 10 times smaller. Doesn't mean that we don't have the same problems, the same circumstances. But you know, at the end of the day, that's why so many accidents happen. So shouldn't you have life insurance? Do you love your wife? Do you love your husband? Do you love your kids? Oh, yeah, yeah, yeah. So if something was to happen to you today, what's going to happen in your life? So one of those workshops makes people think and they go check their. They'll get a hold of me and I'll go over it with them. They'll look, oh, I got work benefits. If I die, I'm going to get money. I said, well, normally that's one to one and a half times your salary, sometimes two. So how much do you make? They tell me, oh, so you're going to get paid 100 grand, 200 grand? What's, what does it cost for you to live? Maybe they haven't even seen my first workshop. So I don't even know a number for them to say, this is what they need fixed to, to be broke. Every month is a fixed cost. You don't have any extra. Absolute broke is you're going into the negative. Right. Prosperity is living where you intentionally and purposely have a few hundred dollars extra every month to do towards your goals of that you're aspiring to get, to get out of debt faster. And savings, education, yeah, savings, retirement, the list goes on. So I, so I literally Tell them you love your family. Well, then, do you ever go out to eat? Do you buy coffee every single day? Sometimes I don't have to ask those questions. I've done their budget, and I know they go to Starbucks every single day and spend eight bucks on a fancy drink and buy lunch every day instead of taking it back to the first workshop. It helps them understand that if they cook extra food and take some with them, how much more I can. I'm not saying we're going to do it all at once. For some people, I say you do it five days, but can you get it back two days where you don't do it and you take something, start to ease into it. Right. And some other people are just like, I can do it right now. Great. So I give them the energy and the knowledge they need through these workshops. But life insurance, if you died and wouldn't you want your loved one to be taken care of? Do you know the emotional toll it takes on people, even families? I. Even my son, he has life insurance. He has more life insurance than some people would think that he needs. And I'll say to him, you know, I remember the first time I sat him down was 18, 19. I said, Son, if you don't have life insurance and something happens, do you think that losing my only son and we're buddies is going to traumatize me? Do you think the dad's going to be able to work as effectively? Oh, no, he wouldn't be able to. I seen what happened when. When Freya passed away. Right. My granddaughter and how it affected you. Do you think maybe it'll affect your sisters? You're really close with your one sister. Would it affect her? Would it affect your nieces and your nephew or your nephew and your niece? Yes, probably would. Dad. So if you passed away and you left some money to him, do you think it would give me time to grieve, not worry about money? Well, yeah. Do you think that would help me be able to pay for your funeral? Because the financial burden. How many. I know people that have been still paying off funerals, three, four years, five years later, Jeez. They never budgeted. They didn't know, so now they got another expense. Right. And at the end of the day, people don't think like that. So that workshop's designed to make people think about life insurance as a need, not a want. It's a definite need. Why do you have auto insurance? Well, they forced me to get it. Have you ever had to claim on auto insurance? Yeah. Were you glad you had it. Oh, I wouldn't have been able to fix this or I wouldn't have been able to go to get health care stuff done. Oh, absolutely. So the government instituted and did something to you that forced you to get auto insurance. Maybe our government should force and institute the fact that you have to take, have a life insurance policy on you that is going to at least protect you through your working years to protect your family so they don't become a social burden. And that's not just a social burden to the government, it's a social burden to society. It's a social burden to their families to help pick up the pieces. Maybe their mom and dad if they're a younger person. So, and my son was just like. By the time it was all said and done and the conversation didn't take long because I'm very kind about it. Where do I sign, dad? What do I do? Right. And he's had circumstances happen that if I wouldn't have done that, he would. You know what I mean? It may be rated insurance, which we don't get into that discussion, but you can pay more if you have health concerns or get outright declined. But how many people in industry would talk to young people about why it's so important? They wouldn't. They're looking for the big, they're looking for the big ticket item. So there was those workshops do that. I wanted some estate planning, how to take the burden off of your family. Right. So it's just. And there's one specifically, just the wealth creation, obviously. So should somebody start at number one and work their way down? Absolutely. Every single person. I don't care if you have seven figures net worth or you have $0.07 net worth, you are not living intentionally. Most wealthy people don't live intentionally because nobody's ever shocked them to realize how much money they waste and how much money they could. How the goals. They say, oh, I still have this goal. You have all this money. Well, but you know what I mean, helping them get clarity between their six inches so they know what they can do. Person having a seven cents net worth wants to have a seven thousand dollar net worth of fourteen thousand, a hundred thousand. Who's going to help them get there if they can't help with the mental clutter? Right, right.
- [36:30]
B
That's good.
- [36:31]
C
And the wealthy people is what scares me the most, Mitch. They don't enjoy the journey of life. They're wealthy beyond belief. And I'll ask them stories about their family and they miss this, they miss that, they miss that. They didn't understand the journey. Even if it's something that was only seven months that we're on in our project or whatever, they're not. They can't. They didn't enjoy the journey. Nobody taught them to enjoy that journey because somebody told them, you got to work, work, work, work, work. Right? They don't have core values. Nobody's ever taught them that. I teach people how to develop their own internal core values, not mine. I'll talk to them about mine, but their core values have to come from them. I can help massage them and then that's part of their roadmap, their intentional living. Because now they can gauge things against their core value to create boundaries, to enforce boundaries. Right.
- [37:18]
B
Well. Well, how can people get in touch with you, Dwight?
- [37:22]
C
Best way to get a hold of me is go to my website, giveaheck.com so just like it sounds, giveaheck.com my last name, for those that didn't catch it, is Heck. It is my. It is my legal trademark. It is my legal brand. I own it. And yeah, you can go there and find out about my podcast, my book, my speaking. You can go watch one of my. I have a short reel. Or you can click on it. Go to YouTube. Watch my full speech on why 2008 was the worst day of my life. And that speech talks about budgeting. It talks about goal setting and how it made a difference in a couple that has been clients of mine. One of them passed away, but the wife's still my client for the whole time I've been in this industry and how it changed their lives and how impactful, intentful planning can really be the difference in your life. Today's promise. Use that promise to build your life so that tomorrow can be a reality, even though you don't know what's going to be there. Back to the insurance thing. I die today, my kids are going to be very well set, right? Because I understand the power. And people say, well, they're adults. Why are you worrying about it? Because they're in a tumultuous world worse than I grew up in. Even as a young adult, today's kids might never, ever own a home. They may never, ever have the ability to do what they need to do because of circumstances. And I'm just giving them a little leg up on the back end of me going to heaven, because that's where I believe I'll be, hopefully. I don't want one toe on hell. Thank you.
- [38:58]
B
No, no, I get it. We'll get it. Well, Dwight, you've been a pleasure to be here, given probably out of my guests that I've had over the years some of the most practical advice that you dispense today and I can't imagine anybody not taking away multiple gems, not just one gem, multiple gems from your open and candid sharing candid advice. Because this is what people need is a Pokemon and a wake up call so I can appreciate what you shared. I'm sure that our listeners will share what you've shared. What will not only share what you shared, they'll relate to it and hopefully take you up on some of your workshops that are available on whatthehack.com give a heck. Give a heck.
- [39:44]
C
Sorry. All right, give a giveaheck.com yeah, give a heck.
- [39:49]
B
Deck to come. Well Dwight, it's been a pleasure and I'll certainly have you on again when I'm sure you write a next your next book.
- [39:57]
C
I appreciate you having me on, Mitch.
- [39:59]
B
Have a good one.
- [40:01]
A
Thanks for tuning in to the Amazing Authorities podcast. If today's episode inspired you, take a moment to subscribe, rate and leave a review. It helps more experts like you rise to the top for behind the scenes access and free resources to boost your authority. Head to MitchCarson. Com until next time, stay amazing.