🎙️ Part 2: The Truth About Financial Confidence – With Eddie Knight Integrity. Alignment. Real Strategy. - Charge Forward Podcast

Episode Transcript
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Speaker 1 (00:00):
It's just people that think that there's a magic
bullet.
If I do this one thing,financial success is guaranteed.
I'm not working another 10years.
I'm wanting to retire soon.

Speaker 2 (00:19):
Well, I really do see what you do for people, very
similar to what I do for forbusinesses, isn't that we're
coaches, and?
But there is a fine line I meanit's not a fine line, it's a
hard line where I can advise youon the pitfalls, I can advise
you on what to do next.

(00:40):
I can, I can do all thosethings, but much like Nick Saban
is not going to go out on thefield and throw the ball or
catch the ball, I don't do thatfor you.
Like you tee up, you, you askall the questions, you, you, you
really prescribe much like adoctor, you prescribe a solution

(01:00):
, but you can't sign their name.
You't make them do it.
You, you give them what youbelieve is is the right thing
for them and their future, theirfamily.
It's up to them to sign theirname, to check the box to, to
make it happen yeah, I mean theaction.

Speaker 1 (01:20):
uh, that old adage, you know, you can lead a horse
to water.
I mean, we can show them thebiggest lake in the world, but
it's up to them to take a drink.
And we can back it up withempirical data and research and
all these visuals and things ofhow money really works and how
this decision is going to affectthe future.

(01:40):
But at the end of the day, Imean and you do have clients
like that occasionally, I'm sureyou've had business clients
that you're coaching, I've hadclients that I'm coaching at the
end of the day they go.
I just don't see the point ofthis and I'm like you know, I'm
not here to browbeat you intosubmission and maybe we're not a
good fit for each other.

Speaker 2 (02:00):
That's right.

Speaker 1 (02:01):
And when I learned that lesson, that was a major
turning point of oh, I don'thave to do business with
everybody I meet with becausethey just may not be a good fit
for me.
That is such a freeing thing asan advisor that it frees me up
to work with the people andgives me more time.
I've got a friend who does alot of coaching with people in

(02:25):
the business that I'm in thatyou know.
He says you know you have twojobs, you know number one is
being in front of your idealclient and number two is
figuring out how to get in frontof your ideal client.
And if you're spending timewith people that your values
don't match theirs and they'renot coachable if you will, why
do I want to take time away fromsomebody that does want what

(02:47):
I'm bringing to the table?
And it just changes the wholedynamic of your business to an
abundance mindset.
Really.

Speaker 2 (02:53):
It does, and so I have to give a big shout out to
Colby Jubinville Dr ColbyJubinville for this one, and
it's really the way I look atbusiness these days is win-win
or no deal 100% so this iseither a win-win situation where
and this is the way I like todescribe it where the most

(03:13):
selfish and the most selflessthing that I could possibly do
is the same thing.
That's where I love to operate,and if you're not in front of
the right client if they are notit could be that they need you
but they're not willing.
They haven't had enough pain intheir world in order to make
that change.

(03:33):
They're either not ready orthey're not going to be a client
because it's not win-win.
At that point You're trying toconvince them.
Them and Dave Ramsey's analogyon that is those convinced
against their will are of thesame opinion still, and then
they're not going to value yourefforts or your product.

Speaker 1 (03:59):
So, yeah, yeah, At that point, if you're and that's
where being in alignment as anadvisor and that's what I would
encourage anyone that's thinkingof looking for an advisor to
work with is find an advisorthat lives in congruence with
what they preach.
There's a lot of advisors outthere that they have a great

(04:21):
system, they have a greatprocess, but if you ask them to
look under the hood of their ownstuff, they're like, well, no,
that's okay.
I'm not saying I'm going toturn over my financial
statements, but living thesystem that I preach to clients
again is one of those thingsthat it's a freeing thing,
because when they say, well,what do you do in this situation

(04:43):
?
Well, in my particularsituation, which is not yours,
so it's not a blanket rule.
There's no such thing asblanket rules in my world.
I'm doing this and this, butthat doesn't necessarily apply
to you for these reasons, butthe principle the economic
principle that I'm basing thatdecision off of, I do live by it
and that's what I'm asking youto do.

Speaker 2 (05:04):
Yep, yep, yeah, absolutely.
I know that people can besuccessful doing it a different
way, but when you're living whatyou're teaching, it just hits
different.
People know it.
It's authentic.
It's hard to put it into wordswhat, what the difference is,
but they feel it.

Speaker 1 (05:26):
It allows you to tell the story of why you do what
you do a lot differently.
It moves you from.
I mean again, everybodypictures.
What's his name?
Ned from Groundhog Day, that'schasing him down.
Hey, can I interest you inbuying some life insurance?
And he's just trying to slingsomething at him.
It moves you from being thatsalesman to you're on the same

(05:49):
side of the table.
You're trying to help themachieve the same kind of
confidence that you do in yourfuture, because they're doing
the same thing that you're doing.
They're not asking you to doanything different.
That story you can tell with alot more confidence because you
live it.
Yeah, you know.
You know.
Hey, I get worried too when somestuff happens, but I know that

(06:12):
I've got these things built intomy world where I don't really
sleep over it.
I know that.
You know I've got the as muchfailure proofing done as
possible.
Therefore, I can look for theopportunities, and that's what I
want you to be able to do too,and that that that preaches so

(06:32):
much differently than how youneed to buy this because, hey,
it's got a great rate of returnand it'll do this for you and
this for you.
Well, what do you?
Well, I don't really have that.
If they spoke honestly and it'sit's a different dynamic.

Speaker 2 (06:43):
Yeah, completely different.
So, in that same breath, whatis your avatar?
What is, what is the perfectclient to work with you?
Somebody out there is listeningright now and they like what
you're, what you're saying, butmaybe they are the right client,
maybe they're not the rightclient.

Speaker 1 (06:58):
Sure, um, I've really got two I guess you say two
segments that I work with.
One of them is around my age,35 to 45 years old, married kids
, homeowner.
They're typically somewhere inupper management or maybe even a
business owner, and they'relooking for that next thing.

(07:21):
They're doing all the rightthings, they're reading the
books, they may even listen toDave Ramsey and stuff like that,
but they're like there's,there's something that's just
not connecting or they're alwaystrying to stay on that.
You know what's the, not thenext best.
They're not fad chasers, butthey're.
They're looking for that thingto just make them a little bit
better, um, where they can havemore confidence in what they're

(07:42):
doing.
Sure, you know, and the secondpiece of that is really which is
really odd for somebody that's,you know, I'm 41.
It's really odd for someone tojump all the way up to, like
those near retirement ages.
That's because people typicallyrelate better to people that
are in a very similar situationto them.
But I do have quite a fewclients that are nearing that

(08:06):
retirement stage and they, youknow, again, they've done
everything by the book thatthey're supposed to do and now
they're going.
Okay.
Here's this transition fromworking to not working.
I was having a conversation witha gentleman just the other day
and I said what made you call me?
And his statement back to mewas well, my guy is still stuck

(08:35):
in accumulation world, I'm notworking another 10 years, I'm
wanting to retire soon.
I'm wanting to retire soon.
And it's like man, if the guy,if the advisory, other advisors
would just slow down for asecond and say what is he
looking for?
And if I'm not that guy, am Ibig enough to say this isn't my

(08:58):
expertise?
And but this guy is just likehey, you know, you're fine,
you're doing great, you'resaving good money, your
investments are up, blah, blah,blah, blah.
You know, giving him the Idon't want to say the Heisman,
but just giving him the quickanswer to get him off the phone.
And the guy's like no, I'm sixor eight months out of
retirement and I am concernedbecause of what's going on.

Speaker 2 (09:17):
He wants a deep dive.

Speaker 1 (09:18):
He wants a deep dive.
He wants that communication,that relationship that you know.
The thing that I've probably, Isay, one of those lessons that
just kind of sticks with you ismost people they don't want you
to fix all their problems.
They just want you to listenand to know that somebody is
understanding.
And if there is an opportunityto help them and put them in a

(09:39):
better position, great.
But most people just want totalk it out with someone that
you know maybe has a little moredeeper understanding of what's
going on, and for them to sayhey, I get it, you're worried,
it's okay, you know, keep doingwhat you're doing because you've
done these things to putyourself in the right position.

Speaker 2 (09:57):
Yeah, and I see that too.
Uh, I've got, I've got a goodfriend that's mid to late
seventies and done a lot ofthings right, and I think it's
one of those things wherethey're they're not worried that
their their money's not goingto last long enough anymore.
And I got a question that I wasnot prepared for.
He said what can you tell meabout Bitcoin?

(10:20):
And I said, well, I thought youwere in safe, slow growth
investments, et cetera.
And he said, yep, got plenty ofthat.
Now I'm looking, okay, you know.
And so we we talked through, uh, some crypto opportunities.
We talked through, uh, privateequity.
You know those, those types ofthings.

(10:41):
Because his, his opinion isI've got enough in the standard
investments.
I've had it in there longenough.
I'm not worried about it Notlasting.
I'm looking for opportunitiesto to do the next thing, and I
wasn't expecting that out of aof a of a mid seventies investor
, but you know it was.

(11:02):
It was definitely a spiritedconversation.

Speaker 1 (11:04):
A hundred percent.
And that's the thing of as anadvisor you just gotta be
willing to listen and and youknow when you set the agenda
that you might be bringing tothe meeting aside, and just you
know what's on your mind.
And what are we trying toaccomplish today?
What do you hope I can do foryou?
Um, and like statements likethat, somebody that does have

(11:27):
things.
It's.
They're like well, that's great.
I mean, I've got all the basicshandled.
What else is there?
I mean, and it there the the.
The cool thing is is there'smore options than you can
imagine out there, but you'vegot to weigh it against your
value system and what you'retrying to accomplish and your
timelines and all these otherthings.

(11:47):
And there are somedo-it-yourselfers out there that
do a great job of managingtheir stuff, but there's a lot
of people that they don't havethat confidence to step out
there.
And that's where finding anadvisor that you can really
connect with and that will slowdown and listen to you, I mean.
I've told clients I had aclient one time say, well, what

(12:08):
are you doing?
I was like I'm taking detailednotes because I don't want to
miss a thing.
I haven't started recordingmeetings because I'm not sure
about that.
I want to at least have put insome effort, you know, but
taking notes down of what theirreal concerns are.
I love the discovery process andfinding out what makes people

(12:29):
tick.
That is so much fun becauseI've never had two similar
meetings before.
I mean similar, yes, exact,never, not even close.
Because when you start askingquestions about what was money
like before you were growing up,that whoa, and just in my
process I'll do like anintroductory hey, what are you

(12:51):
looking for?
That kind of call with onespouse of a couple.
I will not have a secondmeeting.
That is a hard line in mypractice.
Ooh, I love that.
Because it goes back tosomething you said early on when
we first started talking aboutbeing the middleman I don't want
that spouse to have thepressure of being the middleman
or middlewoman whatever.

(13:12):
I don't want them to be stuckin the middle, having to answer
questions that we may havetalked about but didn't really
do a deep dive.
And then the other spouse thatwasn't there is going well, did
they answer this?
Did they answer this?
What did they say about this?
That's unfair on my part.
The second piece of that is Iwant that other spouse to have
ownership in it, no matter ifI've heard it once, I've heard
it a hundred times.

(13:32):
Oh well, she or he handleseverything and I'm like that's
not allowed in my world.
If you want to work with me,both of you are going to be here
, both of you are going to beengaged and I've had fun
interactions with that.
And when you get to thatquestion what was money like for
you growing up you see someinteresting answers and you see

(13:54):
some people come together.
You see some people get alittle I don't want to say cold
towards each other, but again,it's part of that.
As much as they're evaluatingme being their guy, I am 100%
going to do.
I want the responsibility ofhelping these people achieve as
much success as they can.
And that because, yeah, if youtalk to any advisor that's been

(14:18):
around for a few minutes,they've got those clients who
are like, man, I wish I'd neverbrought that.
And that's not a derogatory orputting them down as they're not
a good client, but it's justthey don't match with that
advisor and that's such animportant piece.

Speaker 2 (14:33):
So you hit on a great point and I want to make sure
we expand on that, because thisis a topic that comes up in
almost every single one of ourpodcasts it was not designed
that way originally, but in justabout every single one of them.
So I asked this question.
So we were talking aboutincluding both spouses and the
conversation, and that is a hardline.

(14:54):
Um, how important in your worldhas finding the right partner,
finding the right spouse, beento your overall success and
happiness?

Speaker 1 (15:11):
Ooh, I'm going to do my best not to get a little
teary eyed.
Um, my spouse I could not bewhere I'm at today without her
support.
Um, we've been fortunate andshe's been able to turn into the
stay-at-home mom.
She now serves as my admin onmy personal business.
Just to kind of clarify, I havetwo jobs really.

(15:34):
One is an advisor my ownpersonal practice and I also do
manage a group of 23 advisors.

Speaker 2 (15:40):
And that's there at 1847?

Speaker 1 (15:42):
1847 Financial yep.
But I told somebody last nightwe met a new neighbor that moved
in just down the street from uslast night.
We're standing there and I said, yeah, I said she's the
implementer, I'm thepie-in-the-sky visionary.
Oh my goodness, this would becool if we could do this,
whether it's something with achurch group where we're at or
something with business, andshe's the nuts and bolts.

(16:05):
This is how we're going to putthis in motion.
Um, we dabbled a couple of timeswith trying to bring her as my
admin early on and it just itdidn't match up.
I was not in the right mindset.
You know, neither one of uswere Um, but from a professional
standpoint I could not do whatI do without her.

(16:27):
She is the.
When I get kicked in the teethon some days, she's there to go
it really wasn't that bad and towalk me through it.
Um, and I do that for her somedays when things go haywire, Um,
but finding someone that is onthe same page, that gives you
that level of support, thatunconditional.
You know, man, your day wasrough.

(16:49):
Here's what I can do to try tomake it better and give you
something to look forward to atthe end of the day.
You know, it's such a freeingthing that allows me to focus on
what I need to focus on.
A freeing thing that allows meto focus on what I need to focus
on.
She's been at home with thekiddos since 2015.

(17:10):
We were able to make thatchange and that takes such a
load off from having to worryabout who's taking care of my
kids.
It's not possible for everybody.
I get it.
But then from a personalstandpoint, aside from the
business, um, I fully integratedher into what we're doing as a

(17:34):
family financially in 2020,towards the end of 2020.
Um, the system that we operatein our firm operates off a
financial model that reallygives people visibility.
So in an ideal world, you wantto review that model once a year
, twice a year, whatever yourcadence is.
I, as a practitioner, went tomy managing principal and we

(17:59):
actually kind of approached eachother at the same time and said
, hey, when's the last time mymodel was reviewed by someone
other than myself?
And I went sure, I'd be happyto sit down with you.
And then I walked around.
What did I just do?
I just agreed to turn to openmy books, to get um, as a friend

(18:19):
of mine likes to say all thetime to get financially
undressed in front of my boss,who's a practitioner of the same
system that I use, sure, andimmediately went into like a
small panic attack because it'slike, oh gracious, what have I
done?
Oh, I don't know if I like thisanymore.
And I said, well, if I'm goingto do this, I'm bringing, I'm

(18:42):
bringing Belinda with me.

Speaker 2 (18:43):
Yeah.

Speaker 1 (18:44):
And I told her and she's like you know it's going
to be, y'all are going to betalking to each other as
financial, professional peopleand I'm just you know, I'm not a
client I was like, yes, you are.
I was like it's, and I need youto be on the same page.
And she never disagreed with me, but she reluctantly agreed yes
, I'll step on, so into 2020,we're all in Zoom world and she

(19:10):
slides into the Zoom meetingright next to me and we walk
through our model and as we hangup the call, she goes I'm so
sorry, I went.
What are you sorry for?
She said, because I've leftthis all on your plate.
I've trusted you, as I should,but I've thrown all this
responsibility on you and that'snot fair and I went.
You know that right, there isexactly why I will not hold a

(19:34):
second or a third or fourthmeeting with just one of the
spouses, because a lot of timesthat, oh, they handle everything
.
That is such an unfair thing tothat other spouse to throw that
responsibility on them, becauseif they're working a full-time
job and they're making all thosefinancial decisions, oh,

(19:54):
they're the breadwinner, yada,yada, yada.
Whatever.
You know, all the excuses are.
That is such a stressor,speaking from someone who's done
it before- Sure.
And, if anything, it has made useven.
You know, Belinda and I are somuch closer now and on the same
page Like we.

(20:15):
You know, it's such a unifyingthing.
I think I mentioned it one ofthe times we talked before.
So many people throw that money.
Oh, it's a bad, that's a badthing.
It's the love of money, that'sthe biblical way to put it, the
love of money, the thing in ourline of business if you're not,
if I can't get spouses on thesame page money is one of those

(20:38):
areas that so many vices canfind their way into.
That can destroy a marriageAbsolutely, and I've seen it
happen with.
I've seen, I've seen clientsget right to the edge of they
don't know how to manage money.
I'm done and have to go hold.
Whoa, I mean, I've had ameeting like that in my office

(21:01):
before.

Speaker 2 (21:01):
This is a team sport.

Speaker 1 (21:02):
This is a team sport.
I'm not.
I will fire you as a client ifyou try to get rid of him and
said hey, you need to go talk toa marriage counselor and maybe
even help facilitate thatconnection, because at the end
of the day, they're not going tobe a good client for me if they
don't match who I work with thebest.
Yeah, and that's the.
I was told early on by aretired insurance guy from the

(21:28):
American general AIG world andhe said you know, sometimes and
I'll phrase it how he phrased ithe said sometimes you've got to
be the insurance man, sometimesyou've got to be the counselor,
sometimes you've got to be thepreacher, sometimes you've got
to be all three at the same time.
And the meetings that I've hadwhere it got into all those
different worlds are the mostfun ones and that builds trust

(21:54):
and relationships with peoplebecause they're like oh, he's
not just trying to sell mesomething.

Speaker 2 (21:59):
Not transactional.

Speaker 1 (22:00):
It's not transactional.
This is a contact sport andyou're going to be in contact
with me a lot.

Speaker 2 (22:05):
Yeah, absolutely no, and I think very similar to you,
and I'm equally as lucky inthat Emily and I are on the same
page, just the same way you andBelinda are.
And that doesn't mean thatEmily has to know the nitty
gritty on every single thing,cause it's not her thing.

(22:28):
She, she, she's like I know yougot it, nope, nope, we're.
We're going to sit down, we'regoing to look at this and, um, I
remember when she got fully onboard and it it was.
We were early in our marriageand trying to figure that out.
And she was.
She was working at a greatmedical firm and you know where

(22:48):
everybody in the parking lot wasdriving Maseratis and you know,
uh, you know her boss had a$65,000 BMW that she went to,
and we're talking about 20 yearsago, that she flew to Germany
to see it come off the line andthen they taught her how to
drive it on the racetrack.

(23:09):
That was her boss, and then itwent up from there and my wife
at the time was driving a 1998Accord, so it was a high
priority for her that we get anicer car, and a friend of mine
was trading in their car and shewas going from a sports car to
an SUV and they weren't going togive her much for her.
I think it had like 28,000miles on it.

(23:29):
So she offered to sell it to mefor exactly what the dealership
was going to give her in trade,which was nothing.
And I called Emily and she goes, but that would delay paying
the house off and for me thatwas the ding, ding, ding, ding,
ding.
Oh my gosh, we were on the samepage and it's just amazing how

(23:51):
much more progress you make whenyou're on the same page with
your spouse.

Speaker 1 (23:54):
A hundred percent.
I mean it's, you know Iattribute it to if you go all
the way back.
Yes, you know, the state ofTennessee does this great thing
where they give you a littlediscount on your marriage
license if you get premaritalcounseling.
And I mean, and it started backthat early that I mean it
started before that.
But you know, we took the timeto go through and sit down and

(24:18):
try to be as much on the samepage.
Yes, are you Well?
No, are you ever going to becompletely on the same page with
everything?
No, because we're all humanbeings, we're all imperfect and
we all have the things that.
You know the switches are alittle different on everybody.

Speaker 2 (24:33):
And as guys, we like things with motors just I just
it's still.

Speaker 1 (24:42):
but I will say that I've married someone that that
has an appreciation for thatgrowl just as much as I do
Almost.
I did good.
I did good.
I outkicked my coverage by along shot.

Speaker 2 (24:53):
Oh, I think we both did.
I think we're both, uh, whichis probably why we've been in
sales.
Uh, you know, it could be.
It could be.
That's right.
Um, you know, the other pieceto that that I think we would be
doing a disservice if we didn'tacknowledge is the amount of
stress that is removed from asituation, that is removed from
a family, that is removed fromraising kids, that is removed

(25:15):
from a marriage, when you are onthe same page and you're not
outspending what you're earning.
It just removes a lot of thethings that people argue about
what you're earning.
It just removes a lot of thethings that people argue about.

Speaker 1 (25:25):
It does.
I mean it goes back tocommunication.
I mean, the money itself is notreally the problem, it's the
fact that they're notcommunicating.
If they're not communicatingabout money, there's a very high
likelihood that there's otherthings they're not communicating
about, or at least notcommunicating well about.
I mean and again I mean it goesback to a biblical principle a

(25:47):
house divided against itselfcannot stand.
That's right, you know, and youknow.
I feel blessed every day thatI've got somebody.
That is.
Are we 100% lockstep everysingle day?
No, but if our steps are off,it's by millimeters, not miles,

(26:08):
Yep.

Speaker 2 (26:09):
Absolutely.
Uh well, again, thank you forsharing that and a big shout out
to Ms Belinda.
Thank you for for keeping thisguy straight and thank you to my
wife for the same.
Um, what do you see as a bigmisconception out there?
That people just believe thismyth, or they believe this
untruth that you often have tobreak?

Speaker 1 (26:36):
Really it goes back to two things Chasing high rates
of return, trying to time themarket, that sort of thing.
It may work a couple of times,but eventually you get bit.
And how much you get bitdepends on a lot of different
factors.
And people are like oh yeah,well, warren Buffett does this.

(26:56):
Well, warren Buffett's got alittle bit more money than
myself and you and the state ofTennessee combined, maybe oh
yeah, and the state of Tennesseecombined maybe oh yeah, but you
know it's so.
Chasing rates of return and thesecond one kind of goes right
with it is just people thatthink that there's a magic
bullet.
They think that there's aproduct out there, if you will,

(27:23):
whether it's an investment orit's an insurance policy or
whatever, that if I do this onething, financial success is
guaranteed.
That just does not exist,unfortunately.
If it did, I wouldn't be in theline of work that I'm in, and
so would the thousands uponthousands of other individuals
that are licensed to do the samething that we do.
There's no magic bullet outthere, no matter how cool it

(27:44):
looks.
Nothing fixes it all.

Speaker 2 (27:47):
And there's no such thing as one size fits all when
you're talking about a financialstrategy.

Speaker 1 (27:50):
You know I use the analogy all the time of you know
if you're going to build a,especially if it's my ideal
client and they have childrenit's like if you're going to
build a tree house, you know youcan buy Makita.
You can buy DeWalt.
You can buy any numberMilwaukee you can buy Makita,
you can buy DeWalt.
You can buy any numberMilwaukee.
You can buy any number ofdifferent brands of tools and

(28:13):
you can buy your lumber from 30different places and all the
different parts.
But it matters how you put itall together, as to how long
it's going to stand and not falldown or risk your.
Are you going to be going tothe emergency room or not with
your kid because you put ittogether wrong?
I mean that's.
There's financial tools foreverything out there.
Some of them are really greatand some of them may have a
little more flash to them thanwhat's really there.

(28:35):
Um, and if you're not in itevery day and really looking out
for your client's best interest, and in this business sometimes
it can be hard to distinguishthe flash from the legit stuff.

Speaker 2 (28:48):
Yeah, In line with your comment about the tree
house, what are some principlesor what are some things that you
think are just paramount tosomeone that's really looking at
their family tree and going?
I'm here not just for myselfand my wife, but for
generational wealth.

Speaker 1 (29:03):
Sure.
Again, it goes back to keepingthings using products for what
they were designed to do.
Insurance can play a part inthat.
Certain types of accounts, whenit comes to investing, can aid
in that.
One of the things that we'vereally, in our organization,

(29:25):
we've really started trying todo is involving um, you know
that legal perspective, becausethere's a lot of things and,
trust me, I'm not a lawyer, Idon't want to be, you know um,
but there's trust work andthings that can be done to
preserve assets.
So it's how do you put allthose things together and make

(29:50):
it the most, Because it doesn'tnecessarily mean spending more
money than you can imagineSometimes.
It's about how you put thepuzzle together to get it lined
up and it will actually save youmoney, both from a tax
perspective and a generationalstandpoint.
But I mean, in our line ofbusiness, you look at the

(30:11):
infamous two families that werevery similar.
You look at the Vanderbilts andthe Rockefellers.
Thank you for filling thatblank in there.
You look at those two familiesthat are very similar but very
different outcomes because ofthe way they tried to approach
the situation.

Speaker 2 (30:29):
Well, I feel like, in order to do that properly, you
have to take a step back, kindof zoom out from the situation,
Not where I'm at today, notlooking 20 years down the road,
but look, look wider and go.
How do we do this for the nexthundred years, the next 500
years or whatever that lookslike, and the landscape is going

(30:50):
to change.
But you have to.
You basically have to put intoyour equation all the things
that you know today and I thinkpeople are looking to.
They're looking to check thebox like oh, investments are
taken care of, we're done.
To check the box like oh,investments are taken care of,
we're done.
No, this is one of those thingsthat evolves with tax codes,

(31:11):
with legislation, with newproducts that come into the
space.
That's why that quarterly or atleast once a year checkup with
your advisor to make sure we'restill aligned.
Are we still in the interstate,cruising at 70 miles an hour,
or have we had a flat tire?
We just haven't pulled over yet.

Speaker 1 (31:29):
Yeah, and the other side of that you know from an
advisor perspective is we haveto be learning, really learned,
especially in the last decade orso, is that?

Speaker 2 (31:47):
if you're not learning.

Speaker 1 (31:48):
you're becoming irrelevant so fast because
products are changing,legislation is changing.
I mean, you look at theretirement landscape with all
this, you know secure act andthe second and maybe even third
and rendition of that.
And what's this stuff?
I hear about the Department ofLabor getting involved and it's
for most people.
They hear the headlines on thenews and it just goes right over

(32:10):
the top of their head.
But when you sit down with anadvisor and you start looking at
, okay, how you know, when youget ready to retire, whether
it's five years, 10 years, 20years from now, is it what's the
potential for the landscape tolook like?
It's endless.
How are we positioningourselves to where, regardless
of what happens, we can pivot?

(32:30):
And again it goes back to thatif you take the silver bullet
approach and you have all youreggs in one basket, there's a
lot of different ways that itcould go sideways on you and
it's stuff that you don't evenhave any control over.
That's that's the part that youhave to.
You know there's a lot ofpeople that employ a ton of

(32:52):
different products because theyit gives them a sense of control
in their world and there arethings you can do to control
some pieces of it, but there's alot of laws and taxes and
economic changes and whateveryou know.
All those factors are 100% outof your control and the sooner
you admit that and startbuilding your financial world

(33:15):
with that in mind so you canpivot and flex, the faster you
can get towards being or feelinglike you're on the right track
and not always being reactionaryto what's going on.

Speaker 2 (33:26):
Yeah Well, and I think that's important because
you know, a lot of times thespouse that is taking lead on a
situation, especially financesare typically the ones that want
control.
Like I want to be able tocontrol this, I don't want to be
out of control, and the realityis the best way to have control
is to understand that you, youcan't be in control and that you

(33:47):
are, you're tasked with tryingto figure out with your advisor
on how you play this game, to bethe most adaptable possible, so
that as the market changes, aslegislation changes, as those
things that pop up that we can'tpredict from today's
perspective, how do we adapt tothose?
How do we keep ourselvesflexible?

Speaker 1 (34:07):
100%.
How do we remain in as muchcontrol as we can within reason,
while still using the righttools to move in the right
direction?

Speaker 2 (34:19):
Yeah, I think of your boat in that regard.
So I think about it driving aboat versus being on a train
track.
The train track is rigid, it'sonly going to go where the track
goes, whereas the boat is a bitmore fluid.
In that, yeah, you can turnleft and it's, it's going to
turn, but it's not like you'reon a rail and it's, it's exact.
The wave is going to, you know,affect that a little bit.

(34:41):
The current's going to affectthat a little bit.
The draft, from the fact thatthe motor turning you is in the
back versus out front, oh, yeah,just go to any boat ramp.

Speaker 1 (34:52):
I mean, if you really want a good bit of
entertainment, go to FaithSanders after Memorial Day
weekend and just take a lawnchair, camp chair, whatever, set
up on the bank under the treethat's up there, take you a
cooler full of some you knowchilled refreshments and enjoy
the show.
And you know that is very true.

(35:14):
I've been fortunate to be onthe water for a little while.
I'm not an expert boat driver,but I've started teaching my
oldest a little bit.
And you know, the first thingwas you know, don't, don't wait
till the last minute to term,because this does not turn in a
straight line.
You know, and it, it, you steerwith the back end and it's

(35:35):
going to drift.
So you've got to look at whereyou're going and make course
corrections to make sure.
And and that there's so manyanalogies between that and the
financial side, because if youtry to aim straight and people
do it all the time you aimstraight at the dock and all of
a sudden you know there'sYouTube channels out there
dedicated to people slamminginto boat ramps because they

(35:58):
don't know what they're doingFrom a financial standpoint.
You know, they look at wherethey want to get to and they
take one look at that littleslider.
If you've got a 401k throughyour employer.
They look at that little sliderthere at the bottom that says
you're saving this much moneyand if you get this much rate of
return, this is how much moneyyou'll have.

(36:19):
And it's like do you read thatdisclaimer at the bottom?
Because that disclaimer saysbasically that that calculator
or that little slider doesn'tmean anything because everything
can turn sideways on you.
You know, one of the things thatwe talk about a lot of times in
our firm is you know, averagerates, return really don't mean

(36:41):
a whole lot.
You know, if I told you that,you know I had an investment
that I could get you involvedwith over the next four years
that had a 25% average rate ofreturn and I said nothing else
there's a lot of people thatwould jump in and go man, I'm
all over that.
Oh yeah, but if my initialinvestment goes from $100,000 to

(37:02):
$200,000, back to $100,000, youknow, and then maybe even drops
, so I could still have apositive average rate of return
and lose money, you know.
So you have to look at that.
And if an advisor is only evertalking about average rates of
return.
It's like, you know, let's tellthe whole story.
Yeah, not just a snippet.

(37:24):
You know let's really helpwhole story.
Yeah, not just a snippet.
You know let's, let's reallyhelp someone understand what
really matters.
Because, goodness knows,there's enough noise out there
of, hey, this investment's great.
There's all kinds ofcommercials with people, of, hey
, you should invest with us.
You know, and people look atwhatever they show them If it's
a great rate of, we've averaged,you know, a 12% rate of return

(37:45):
over the last 30 years.
You know, okay, that soundsgood, but is it real?
Yeah, um, and you've got to.
You've got to dig into theweeds a little bit for that.

Speaker 2 (37:56):
Sure, Um, well, you, you, you.
You talked a little bit thereand I'm going to back up, cause
you reminded me of um, and I'mgoing to back up because you
reminded me of um.
I remember distinctly, on my12th birthday we went fishing.
So it was me and my dad, it wasmy best friend and his dad and

(38:20):
my uncle and a cousin.
We go to Kentucky Lake, put inthere at Paris, and we knew it
was supposed to rain.
But a significant storm comesup, so everybody's trying to get
their boats out.
And when I say it's a storm, itis a full blown, it is, it's

(38:40):
really coming down and it'scoming sideways.
Everybody's trying to get theirboats out, so everybody's
getting drenched.
While you know Everybody'strying to get their boats out,
so everybody's getting drenched.
While you know people are tryingto get their boats on and my
best friend's dad, he takes andhe was, you know, been on the
water a lot.
It took him three or four triesto get on the trailer, pulls

(39:00):
the trailer out, brand new, uhTriton, uh boat, um, and then
I'm up next and you know dadmotions, you know he's back the
trailer and he motions.
Does he need to jump in?
And I was like, no, I got it.
And first try, first try, evenin that crazy wind, I nail, nail

(39:21):
the trailer and boom, we're out.
My, my cousin decides he'sgoing to do it as well, well,
since you did it, yeah, he's 14or 15 at the time.
After about 10 tries he gives up.
His dad gets in Seven, eight,nine, ten tries later and I mean
it was a tough situation.

(39:43):
But I remember we get in thetruck and my dad turns to me and
I could tell he was justbeaming with pride.
He's like son, I am proud ofthe way that you executed that
and I forget the exact words,but I mean it was definitely one
of those moments where you, youknow that your, your dad or
your parents are proud of you.
Uh, is there a moment in yourlife that sticks out that either

(40:05):
one of your parents you justlike comes to mind.

Speaker 1 (40:10):
You're like, oh my gosh, that was that was a good
one.

Speaker 2 (40:13):
Oh, or maybe one with your kids where you're like oh,
I committed that one to memory.

Speaker 1 (40:19):
Yeah, I mean there's, there's a few things that pop
out.
You know, my, my, my oldest, isinvolved with volleyball and
there's been games that weren'tgoing right.
And you know, go in and do herbest and I mean overcome, get

(40:42):
people psyched up, and stufflike that.
You know you love to see yourkiddos step up and be a leader
and help pick people back up.
That's a trait that she mighthave inherited from her dad.
I love to encourage people.
I feed off that.
But something recent my son wassitting around 4-H project

(41:11):
coming up, got to demonstratesomething, um, and I don't know
what to do.
I don't know what to do and Icould.
And he starts naming stuff thathis friends are talking about
and I'm like what, do you knowhow to do that?
And he's like no, I don't knowhow to do that.
And I was like what would yousay if dad taught you how to do
something real quick?
I said that I think would fit,because this has to do with you,

(41:35):
could make a stretch and bringit to 4-H.
And he goes well, what is it?
And I was like something you'vealready been asking me to do.
I said and I'm sorry I haven'tdone it already I said I could
teach you how to tie a palmarknot for fishing and he goes oh,
that would be great, and apalomar knot for fishing.
And he goes, oh, that would begreat.
And he's like, I think I coulddo that.
And you know, struggle gets alittle frustrated because

(41:55):
everybody, if you've ever triedto tie any kind of fishing knot,
you know your fingers all of asudden get huge, like it's, like
, you know, swelled up hot dogs,trying to grab a hold of that
tiny little line.
And all of a sudden, you knowhe gets it and he practices and
he gets a little fast.
The first time it probably tookhim five minutes to get it tied
.
Second time, a little faster,and he's like you can tell, he's

(42:17):
like, oh, I'm in it now.
And you know I didn't know thatwhen he was going to school he
had talked to his teacher, saidI want to build a PowerPoint
presentation on this.
So he built this elaboratePowerPoint presentation.
He figured out how to tie thisknot, you know, he showed how
not to tie it and, you know,walks home with, you know, a

(42:38):
ribbon the other day and says,hey, I get to go do this at the
county level now.
So you know Ashland City, youknow we get to go to 4-H meeting
and we get to demonstrate howto tie a palomar knot.
But his comment back is now,you know, I don't have to wait
on you, dad, to tie the tie, theline.
So it's like, ok, he's not onlylearning it and glad that he's

(42:59):
winning something with it, butit's now, hey, when I'm on the
boat with you, now I can do itand I don't have to.
You know that kind of stuffright there where they figure
stuff out.
You know that kind of stuffright there where they figure
stuff out.
Those are the pride momentsStepping up in a leadership role
, figuring out something thatyou try to teach them, and then
they finally grab a hold of it.
That's you know.
And then I mean, I know mywife's going to watch this and

(43:21):
be like, well, why didn't youbring up?
Because if she was here, shewould you know.
She's a much better documenterof everything.
She's always got the camera outand I'm thankful for it,
because all those bigachievements, um, but, uh, but
yeah that's cool.
They make you proud all thetime.

Speaker 2 (43:37):
They do, they do.
And I read a quote the otherday and it went something to the
nature of uh, as a dad, it isour job to teach people that we
can't live without, to livewithout us, and I think that's.
That's just the nuts and boltsof being a dad, like that's what

(43:58):
we're here to do.
We are here to prepare them to,to take care and teach the next
generation and be better thanus and all the things.

Speaker 1 (44:07):
A hundred percent.
You know the, whether it's the.
You know the simple lessons ofjust.
You know taking care of yourstuff.
You know keeping your roomclean.
I mean, I forget what thespeaker's name is.
He wrote a book and one of thecentral themes in his book he's
a retired military and it's allabout.

(44:28):
You know make your bed firstthing in the morning.
That is the way to start theday, to set the right tempo for
you know be in control of yourworld and have a good mindset
and take care of your stuff.
And you know it's again goingback to the boat.
See, you started it with theboat.

Speaker 2 (44:44):
I did.

Speaker 1 (44:44):
But you know we get back to the boat ramp and when
my son's with me, you know weget back to the boat ramp.
And when my son's with me, youknow he jumps out and he grabs a
rag and the wipe down and he'scleaning it up.
And I've heard the little onesay, when she's been out with us
a time or two before, and she'syou know, my youngest is six
now and she says Grady, why areyou cleaning the boat?

(45:05):
And he's like because we got totake care of it.
And I'm like, right there,that's the lesson.
I was like because of that, youmight get to inherit this
someday.

Speaker 2 (45:18):
That's right.
That's right.
I love it.
Um, well, so now we've got alittle bit of a fun fun section,
ooh, and so everybody knows youknow, if they've watched the
podcast more than once I'm abowler and so I like to ask
people so if you were puttingtogether a celebrity bowling
challenge?
The whole point of this was toraise money for charity.
You get to pick anybody to beon your team throughout history

(45:40):
they can be alive or otherwisewho is on your bowling team?

Speaker 1 (45:46):
Hmm, well see, I didn't, I don't know how that I
thought that we were talkingabout, because you mentioned
that there will be a bowlingquestion, a bowling team.
Well see, I didn't, I don'tknow how that I thought that we
were talking about, cause youmentioned that there will be a
bowling question, a bowling teamquestion, and I was thinking um
personal, like friends, andthere was one.
There is one celebrity on it,but I was looking at it from a
personal level.
Um, the commentator again she'sgotten mentioned a dozen times

(46:09):
in this would be Valerie I meancan't go wrong with Valerie I
mean if you've ever watched oneof her nitty-gritty in Ashland
City weather reports or whateverelse.
I mean, if you're not laughingat that, I mean come on now.
Oh yeah, she plays it up greatand does some great color
commentary.
You know, and I tend to sidemore.

(46:30):
I like to have a good time, soif I'm doing something like that
I want to have someentertainment.
The one famous individual uhthat I did meant or that I did
want to mention is uh G-ManGerald Swindle, the, the uh, uh
Bassmaster Elite guy.
And I was talking to Belindaand she goes why are you going
to bring him up?
I mean I know he's your hero.
And I said he's big on mindset.

(46:52):
I mean I've got a shirt or twothat I bought from his website.
It's like positive mentalattitude.
That's his big thing whichspeaks to me.
But he, if you've ever it wasprobably a decade, maybe a
little over a decade ago wherehe did a speech at the
Bassmaster Classic and it wasthe funniest thing, one of the

(47:13):
funniest things I've ever heardin my entire life, because he's
from I think he's from Jasper,alabama, and he's just a big old
redneck.
He likes to have fun and hetold just one of the most
off-the-wall tall tales withvisuals and all kinds, and I'm
like what in the I mean wasrolling by the end of it?
I'm like I'm going to gofishing with that dude someday.
I don't know how, but I'm goingto figure out how to go fishing

(47:34):
with him because it would bejust I'd be in stitches the
whole time Awesome.
But you know the otherindividuals.
I'll just since I went the morepersonal route.
You know my dad from 30 yearsago, cause he was a great bowler
.
Um, I remember going to thebowling alley with him when I
was young.
Um, and uh, I don't know ifhe's still I don't think he

(47:55):
still bowls anymore, but he wasthe man back in the day.
Um and then um, actually thetwo gentlemen that I credit a
lot of my success to from amentor standpoint.
One of them is the guy that Ihave the pleasure of still going
to work with every day uh,dwayne Lewis.
Um, dwayne Lewis Jr.
Um, just from a mindset, andhe's hyper competitive.

(48:18):
Um, but um, I mean I don't.
We've bowled together beforewhen we've went on some trips
and stuff, and now you knowwe're, we're okay, okay, but uh,
it'd be a good show.
And then the other one isanother mentor of mine, a
gentleman that actually hired meat my first job out of college
with that chemical company,sherman Brown, and he, I asked

(48:42):
him what did you?
Why in the world did I getpicked?
Because I'm the young fresh outof college dummy that doesn't
know anything.
And he told me.
He said you know how to think.
He said the other two guys wewere interviewing had 20 and 30
years experience.
He said they were set in theirways and they didn't know how to
innovate and think.
He said you're different.
He said you actually can unpacka situation and try to put it

(49:06):
back together.
He said when you went tocollege.
He said you just learned bookknowledge.
He said your teachers took thetime to teach you how to think.
And I went and at the time thatstatement just went.
I was like, ah, he just blew meoff.
And the more I've thought aboutit I'm like wow, that is.
I really appreciate thatcomment.
Yeah, um, but I mean he's a.
He's an athlete, he's a heck ofa golfer and a big dude.

(49:31):
He's a tall individual.
I'm sure he could hurl abowling ball all the way.
He'd just be the guy that shot,puts it down there and knocks
them down.

Speaker 2 (49:38):
That's right.

Speaker 1 (49:39):
But I don't know celebrities, I mean, I've got
those people that I follow andwatch.

Speaker 2 (49:44):
Most of them have something to do with fishing but
there's just a lot of goodpeople that have good mindsets.
When it comes to fishing, yeah,I love it.

Speaker 1 (49:59):
Good deal, um, and then so next to the last
question what's the most funthing you've ever done?
Oh, I've done a lot of funstuff.
Um man, that's a tough one.
I think the some of thehighlights have happened in more
recent history.
And then there's one that wouldbe a couple years ago Actually
two so most recent would besnorkeling.

(50:22):
I got the chance to go toHawaii last year and snorkel.
I forget the name of the placenow.
It's the place that looks likea crescent moon, it's off the
coast of Maui and just so muchfun.
It had been a minute since I'dsnorkeled, so I went through the
panic.
Oh, my goodness, this is real.
Like I'm in the water, I'mtrying to breathe and it's like,

(50:44):
okay, chill out.
So that was fun.
Zipl in Puerto Rico was fun.
Um man, what else?
Um, I went on a trip when I wasin college with uh.

(51:12):
I took it as a short course toFlorida for biological research,
so we caught and grilled.

Speaker 2 (51:14):
Some people call it spring break.

Speaker 1 (51:16):
Well, this was structured.
It had college professors withus, you know.
But we caught and grilled a fewof them, iguanas, in a park
outside of Miami Florida.

Speaker 2 (51:29):
Okay.

Speaker 1 (51:30):
They do taste like chicken.
But we also went fossil diggingand we did turtle research and
we caught snakes and lizards.
I tell people all the time Iplayed crocodile hunter for two
weeks and it was so much fun.
That's cool.
I got the chance to comeface-to literally like within
three inches of a small gator.

(51:52):
But that whole trip.
I look back on that withextremely fond memories.
It was so much fun.
I wish I would have done moreof that kind of stuff, but it
was a ton of fun.
And then the other thing thatsticks out in my mind is the one
time I snuck off um in mymustang.
I had when I was in high schooland went to the local drag

(52:13):
strip for a test and tune thingon sunday.
Um, that was.
That was fun.

Speaker 2 (52:19):
I do enjoy a quick vehicle okay, so give me a
little bit of a rundown.
So what your mustang are wetalking about?
Um?

Speaker 1 (52:27):
it was a 95 mustang gt white um red leather interior
.
It sounds obnoxious but it wasman, I missed that car.
It was so much fun and it theguy that actually owned it
before me.
We bought it used um.
The guy that owned it before mewas a student at um or an
instructor at I forget the nameof the uh, the mechanic school

(52:49):
because of the.
There was some receipts andstuff in there and there was
some stuff that evidently hadbeen left in the mailbox or
mailbox in the glove box Car was.
It wasn't wild but it was notstock.
It probably was knockingsomewhere around 400 just from
the way that it would some ofthe stuff that it would the some

(53:10):
of the stuff that it would doand it was a fun car.
Um, ton of fun.
Um, I miss that car all thetime.
Um, but it was a.
It was a lot of fun.

Speaker 2 (53:21):
I love it, so I you'll like this one then.
So four years ago I sold a carI can't replace.
Oh, so this was a 1998 Lincolnmarket with the Cobra

(53:44):
supercharger built by the guy atFord that built the one that,
uh, ran the whatever it was.
That was the record for thesalt flats.
And so I actually bought thecar, found out he built it that
ran the whatever it was.
That was the record at SaltFlats.
And so I actually bought thecar, found out he built it,
called him, talked to him.
He tried to buy the car backall kinds of things, but he had
receipts.
The previous owner had receiptsin the glove box.

(54:04):
It'd run 11.4.
Wow, but it was not set.
I would have kept it long-termbut it only had 19,000 miles on
it when 11, four, wow, and itwas, but it was not set.

Speaker 1 (54:14):
I would have kept it long-term, but it only had
19,000 miles on it.

Speaker 2 (54:16):
when I sold it, it did not want to go up and down
the highway.
It was set up to drag.
So if you, if you weren't, youknow, foot close to the floor,
it didn't like it and so it justwasn't very practical.
Not that it had to be practical, but uh, it was.
It was a fun car.

Speaker 1 (54:31):
Yep, yeah that.
Uh, that that drag racingexperience.
I thought at one point it wasgoing to end in tragedy because
right after finishing my secondrun down the strip and and doing
much better than my first run,cause that was my first ever
experience doing that Um, I getout of the car and I'm
high-fiving a few buddies thatwere down there and they're like

(54:55):
yeah, it was a good run man.
And I look across and I make eyecontact with a gentleman that I
went to church with and I wentuh-oh, oh, and my buddy goes,
what's wrong?
And I was like that guy rightthere, I go to church with him.
I will see him at five o'clockthis evening and he comes
walking around there in a fewminutes and he goes hey you done
, eddie and I was like, hello,sir, oh he goes, don't worry.

(55:16):
He's like I'm not going to ratyou out.
He said he's a car guy.
I'm glad you're doing it hereand not on the street.
And I was like thank you somuch.
And and my stepdad was like, dowhat?
He didn't tell me that.
And I'm like, hey, don't tarand feather him.
I'm like I was being stupid,but at least I was being safe,
being stupid within reason.

Speaker 2 (55:38):
Oh yeah, oh yeah.

Speaker 1 (55:39):
Well, you know, part of that's just being an
adolescent, you know and I stillask my parents from time to
time why in the world did youthink it was a good idea to let
me get that car?
Why, why was that a good idea?
So?

Speaker 2 (55:55):
yeah, I get it.
That's fun.
Last question, a bit moreserious have you put much
thought into how you want to beremembered?

Speaker 1 (56:04):
I the big word and I tell people this all the time.
Um, that that asked mesomething similar.
The big word in my world isintegrity.
Um, me personally, um, I wasraised where a yes and a yes and
a no is a no.
Um, integrity takes time tobuild.

(56:25):
In my line of work there's alot of people with integrity,
but the only ones you ever seeon the news and get talked about
are the ones that lose it anddon't have it anymore.
The thread runs deep.
Your name means something.

(56:45):
The song I proposed to my wifewith was Dierks Bentley, my Last
Name.
I sang it to her.
Well, I sang the last few linesof it when he says if you're
wondering why I brought you heretonight, integrity and the
power of a name means something.

Speaker 2 (57:06):
Words and that's something that words matter.

Speaker 1 (57:08):
I mean it.
You know people say they don't.
And.
And in the world today, insociety, it's hey, you know,
don't judge me, don't.
But there's so much aboutintegrity and having that name,
not that I'm somebody, but thatwhen somebody needs to trust in
me, they can take you to thebank especially the four people

(57:31):
at home 1000%, and that's alesson that we strive to teach
every day.
That's right.

Speaker 2 (57:39):
Well, Eddie, thank you so much for joining me in
the studio today.
It has been fantastic and Ilove just the conversation, how
it unfolds.

Speaker 1 (57:47):
It has been a pleasure.
I you know when, when youmentioned this to me, I was like
oh, I was like who am I?
I said that to Belinda at least100 times in the last week and
she goes be willing to talkabout yourself and have
confidence.
You know, and I appreciate thefriendship and relationship that

(58:08):
we've got in the short timethat we've known each other and
absolutely love the chance tocome on and spend a few minutes
talking, flapping my gums I'mgood at that.

Speaker 2 (58:15):
Yeah, Well, how does somebody out there right now
that has been watching thisprogram?
They have figured out whatyou're about.

Speaker 1 (58:22):
Sure.

Speaker 2 (58:22):
They've heard our conversation and they're
thinking that maybe they need anadvisor.
Maybe they've got one, Maybethey don't have the right one.

Speaker 1 (58:35):
Maybe they've got one , maybe they don't have the
right one, maybe they don't knowwhat they need.
How do they work with you?
Well, most of the people that Iwork with now get in contact
with me through someone thatI've already done business with.
I mean, as I said, I manage ateam of 23 advisors, so a good
chunk of my time is taken upmaking sure that those guys have
what they need for working withtheir clients and providing you
know the solutions that theyneed.

(58:55):
But when it comes to mypersonal practice, most
individuals if not every singleone that I work with at this
point met me through somebody Iwas already doing business with.
So it's a referral type world.
You know, you send somebody totalk to me.
I'm more than happy to to.
You know cause, again, there'sa relationship there, um,

(59:16):
because I find that the peoplethat I already work with, they
know who I work well with andthey're not going to send me
somebody that's not a match.
That makes my, that makes mylife easier, because I'm not
having to make a decision.
Do I bring this guy on, do Inot?
It makes everybody's liveseasier.

Speaker 2 (59:32):
Good deal.
I love it.
Well, team, you've heard ithere on this episode of the
Charge Forward podcast.
Again, thank you to Mr EddieKnight for coming on and
spending some time with usdispelling some maybe mistruths
or misconceptions in thefinancial and insurance world,
as well as kind of painting thepicture of what a good financial
plan and having advisors lookslike and a bit more about him

(59:55):
and the integrity that thatreally is the cornerstone to his
identity and how he teaches,leads his family, as well as his
team and and many of us.
So until next time, we're thecharge for podcast.
If you'd like to get in touchwith Mr Eddie Knight, shoot me a
message atchargeforwardsolutionscom.
Forward slash podcast and we'llget you connected.
Until next time, take care, team, is Jim Cripps here with the

(01:00:19):
Charge Forward Podcast?
I just want to tell you I loveyou, I appreciate you listening,
I appreciate you forsubscribing and sharing the
Charge Forward podcast withpeople you know and you love,
because that's what we're herefor.
We are here to share theamazing stories, the things that
people have been through, theways that they were able to
improve their life, so that youcan take little nuggets from

(01:00:42):
theirs and help improve yourstory and be better tomorrow
than you were today.
I hope that this is the toolyou needed at the right time and
that you find value in theamazing guests that we bring
each and every week.
Thanks so much and don't forgetnew episodes drop every
Thursday.

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🎙️ Part 2: The Truth About Financial Confidence – With Eddie Knight Integrity. Alignment. Real Strategy.

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.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}🎙️ Part 2: The Truth About Financial Confidence – With Eddie Knight Integrity. Alignment. Real Strategy.