Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:03):
Welcome to Dan the
Road Trip Guy.
I'm your host, dan, and eachweek we'll embark on a new
adventure, discovering memoriesand life lessons of our
incredible guests, from everydaytravelers to thrill seekers and
everyone in between.
This podcast is your front rowseat to inspiring stories of
passion, resilience and thepursuit of happiness.
So buckle up and enjoy the ride.
(00:24):
I am excited to be on a triptoday with a gentleman I met
back in January of this year.
We are in a group that meetsevery Thursday morning at 6.30
(00:44):
am.
We talk about a lot of things,one of those being goals and
leadership, and we were broughttogether by a mutual friend, and
I'm just excited to spend alittle time with.
His name is Stephen Dawson andlearn a little bit more about
him and what he has been up toover the past years.
So welcome to the show, stephen.
Speaker 2 (01:04):
Thanks, Dan, for
having me Glad to be here.
Speaker 1 (01:07):
Yeah, it's a pleasure
to have you.
This will give me a little moreinsight that I haven't found
out in the past eight monthsfrom you.
Take a couple minutes and justtell my listeners who is Stephen
Dawson.
Speaker 2 (01:17):
I was born and raised
in Indianapolis, where I grew
up.
I went to many Indy 500s.
While I was there I went tocollege at Indiana University.
After school I just happened tohave my first job land in
Cincinnati.
I didn't know one person here,but that's where my first job
(01:41):
took me, so came here not longafter.
I met my wife, amber, and she'sfrom here, so that really put
roots down here for me, tying toher.
I've worked in corporate roles,mostly at Macy's and Amazon,
for 15 years here in Cincinnati.
(02:02):
I did have a two-year stintwhere I was out in Seattle
working with Amazon, but fouryears ago I left corporate
America.
Now I'm a solopreneur as afinancial coach and really my
purpose is to help people gainfinancial freedom and unlock the
life that God designed for them, and I just love my vocation.
Speaker 1 (02:26):
Yeah, that's great,
and until I linked in with you,
I had no idea that you worked atMacy's and Amazon, so that was
kind of cool.
And I also noticed yourco-owner of looked like your
wife's photography company.
Is that right?
Speaker 2 (02:40):
Yeah, so she has
since sunset it.
But for several years I wasworking with her Uh, she has a
wedding or had a weddingphotography business.
I would really, just once Ileft my corporate job, uh, I was
also helping her out with someof the administrative work, the
(03:00):
bookkeeping, but also going andbeing her second photographer,
slash assistant on wedding days.
So that was a big change,because I'd be I'd be spending
my saturdays running around withcamera equipment, family photo
lists, trying to just keepeverything, uh, orderly.
Those were, those were, highstress days, but I'm glad that
(03:23):
we're done with this.
Speaker 1 (03:25):
Yeah, yeah, my
daughter's a photographer and I
don't know if I've ever told youthat.
And yeah, weddings, they juststress her out.
She still does a few, but notas many as she used to.
Speaker 2 (03:35):
Yeah, it's a big day
obviously for couples and you're
essentially in the photographerrole.
You're essentially in mostcases like the de facto wedding
planner or wedding coordinatorthat day, really keeping things
moving and you never really knowwhat you're going to deal with.
Things inevitably happen.
(03:56):
Stuff gets off schedule.
So yeah, it's kind of you gotto be on your game nonstop.
Yeah, it's an interesting jobbut I learned a lot.
But that's really ultimatelywhat kind of perked my interest
in self-employment andentrepreneurship, because I
really really like that aspectof it.
(04:18):
So that was kind of a goodground for me to test the waters
, if you will, on that.
Speaker 1 (04:23):
Yeah, that's great.
We'll dive into thatself-employment here shortly.
And then I don't know if ineight months I knew you were an
Indy 500 fan, so that might bekind of news to me tonight and
maybe you've told me that myfamily had tickets.
Speaker 2 (04:40):
We don't anymore, but
even before I was born my uncle
had a section way high up inturn two of the 500.
So we had the same seats everyyear and once I think my first
one I was three or four yearsold and pretty much once I was
in my teen years and into early20s we were I was going with my
(05:03):
dad and family every year.
It's been gosh.
It's probably been six or sevenyears since I've been to the
500, but I've seen a lot of goodraces there and that's a real
good section for where it alwaysseems like that's where crashes
and accidents and yellow flagshappen.
So it's exciting.
(05:24):
We had exciting seats for sure.
Yeah, watching the race everyyear.
Speaker 1 (05:28):
Wow, that's fun.
I didn't know that.
That's great to know, sothat'll give us more to talk
about on Thursday morning.
Well, this is Dan, the RoadTrip Guy, and one of my first
questions I'd love to ask tellme about your first car or a fun
car story that you've had.
Speaker 2 (05:45):
My first car was a 87
blue Toyota Camry, hand me down
from my dad.
It was resting out, had allkinds of issues.
It got me through high school,but not by much.
So once I was getting ready togo to college it's like, okay, I
(06:06):
need a real car that's reliable.
It's the fall of my freshmanyear at Indiana University in
Bloomington, indiana.
The car that I'm driving thenit's a 1993 Teal Honda Civic.
We had bought it a few monthsearlier over the summer from a
middle-aged guy in a Papa John'spizza parking lot.
(06:27):
It just was parked there andhad a for sale sign.
Then we got to talking and, loand behold, I bought the car and
for me that was an upgrade fromwhat I had before.
But it still had its warts.
One thing it notoriously didanytime I went over a bump, the
windshield wipers would triggerand it would just start.
(06:51):
The windshield wipers would goback and forth and I'd have to
reset it, just stuff like that.
But one of the things when I wasa at college I was living in a
scholarship house with a bunchof other guys about 40 other
guys.
As a freshman we had to rotate,taking turns doing sober
(07:13):
driving for all theupperclassmen.
On the weekends we may be outat the bars.
Of course we're not of age.
We would be assigned on duty.
Okay, we got to pick up John at2 am from Kilroy's out on
Kirkwood Avenue, just to keepeveryone safe and it was kind of
just a responsibility that wewere expected to do.
(07:36):
It's one Saturday night, it'stwo in the morning.
I'm almost done, ready for thenight to be over, I pick up one
of the guys in our house.
I pick him up from the bardistrict in Bloomington and he's
got a girl that's with him andI'm taking him back.
She's sitting in the front seat, he's in the back seat and
(07:57):
we're about half a mile from thehouse that we're going back to.
And near the house there'sthese railroad tracks.
So I drive over them.
The windshield wipers startgoing.
Of course they did, yeah, andshe says oh my gosh, this is my
old car.
She takes a close look aroundinside the interior and she's
(08:20):
asking me a couple of questionslike when did you buy this?
Where did you buy this?
And we confirmed that this isher old car that her dad had
sold a few months earlier.
And then, a minute or two later, I dropped them off and then I
parked the car and I'm justsitting there for a minute
trying to process what justhappened, and that was a moment
(08:43):
when I just kind of realizedthere are these moments of
serendipity in life that willlet me know that I'm connected
as a piece of this larger puzzlethat everyone's a part of, and
you never know, on any given day, what kind of reconnections or
pieces that you didn't even knowwent together in two people's
(09:05):
lives, how they, just in amoment, can come together.
That one was kind of a crazy.
That was a crazy night and Iwas like not expecting that when
I went out to pick up peoplefrom the bars.
Yeah, that's.
Speaker 1 (09:20):
That's pretty funny.
I'm an assessment junkie and Itook the strength finder and one
of my strengths isconnectedness and that I believe
everything is kind of connectedin the universe.
I always attribute that to myfaith in God, but that's just
interesting that this car wasconnected, that you connected
with these people, that'samazing.
Speaker 2 (09:41):
Yeah, I mean, that's
the thing with life is you never
know whose paths you'll cross,meeting at the right moment at
the right time and the rightplace?
Yeah, it does.
I agree with you, dan.
I feel like it sort of reallygives me more hope and this
feeling like we are all part ofthis bigger.
You know existence, we're allsocial people by nature.
(10:03):
You know we're meant for aconnection and it's just kind of
exciting when those kinds ofmoments come together.
Speaker 1 (10:10):
Yeah, absolutely.
Wow, thanks for sharing that.
That was fun.
I don't know if as a kid youtook them or as an adult you've
taken them, but any epic roadtrips or just road trips in
general that stand out in yourmind and you go, wow, that was,
that was quite a trip.
Speaker 2 (10:26):
Yeah, even as a kid,
we would go on a lot of road
trips.
I think probably the mostinteresting one I had was as an
adult, though.
So this was back in 2017, andmy wife and I this is when we're
during that two-year stint inSeattle that I mentioned we're
driving down the Oregon coast ina brand new black Dodge Charger
(10:50):
that we had rented, so we're acouple of days into this two
week road trip from Seattle toSan Diego along the Pacific
Coast Highway, so this has beenkind of one of my bucket list
items for a long time, and oncewe're out there, I'm like we got
to go down here.
We're in Oregon early in ourtrip.
That morning, we see the bigsolar eclipse that happened that
(11:14):
summer, and we were in theperfect spot, in the perfect
band, where you could see thistotal eclipse, and the birds are
going crazy, and that was justa really unique experience, but
I didn't plan all of our lodgingon like okay, every night on
our trip.
This is where we're staying.
So one of my mistakes, though,was that, okay, that was kind of
(11:36):
a prime area geographically forwhere people would be to see
the eclipse.
So we keep driving and drivingin Oregon, and I mean on that
stretch of highway on the coastthere's really not a ton of
hotels.
We ended up finding this dumpy.
It was a motel in Brookings,oregon.
(11:58):
It looks like the if you'veever seen the movie Psycho, the
Bates Motel just like not aplace we'd normally stay.
But we didn't really have manyoptions at this point.
We just it's like hey, let'sjust stay here for the night,
get up early and leave in themorning.
So we wake up in the morningthere's this distinctive odor
that we smell.
(12:18):
My wife says someone's got tobe smoking here in this next
room.
Anyway, we open the door andthe sky is completely hazy with
smoke.
It's really hard to breathe.
And she something is very wronghere.
So she looks at her phone,finds out there's a forest fire
(12:39):
three miles from where we'restaying and there's a mandatory
evacuation order.
We hadn't heard anything untilshe saw that and we realized
like we got to get the heck outof here right now.
So we start driving south, getinto Northern California and
then later we see that samemorning on our phone that
(13:01):
they're down in Big Sur there'sbeen a landslide.
I mean we're still like a weekaway from getting there at this
point, but that was a majorthing that derailed.
We realized like this is goingto derail our plans because
we're going to have to go allthe way around the inland.
We won't be able to drive alongthe coast.
(13:21):
At that point I'm just thinkingthis has been kind of a crazy
turn of events.
And a couple hours later we getto the Redwood State Park in
Northern California and I hadnever seen anything like this
with these massive redwoods, andwe're walking around in this
park.
I just am looking up inamazement and realizing that
(13:45):
some of of these trees are over2000 years old.
And how can this happen fromjust a little seed.
Then I just start thinking moreabout everything that's
happened, with the eclipse theday before, the fire from the
morning, the landslide, andthat's.
That's a moment where I'm justlike sitting there, I distinctly
remember, under this massivetree and just realizing that
(14:06):
there's things going on inmother nature that have been
developing for millennia.
And then there's also thesesudden natural disaster events
that just can happen in aninstant.
And that trip really gave me anewfound respect for mother
nature and you know, I'm in thatmoment just realizing that
(14:28):
there is something bigger thanme that's calling the shots
dictates things and that'ssomething that's outside of my
control, and it was just a veryhumbling experience going
through all of that, especiallyfrom being in the Midwest where
there's, other than a occasionaltornado, there's not a whole
lot of natural disaster stufflike that.
(14:51):
That ended up being a greatroad trip, though I still do
need to get back to Big Surbecause we never got to see that
part.
The rest of it was a reallycool experience.
Speaker 1 (15:03):
Yeah, that's fun.
Yep, you'll have to make thatjourney down the continue down
the Pacific coast.
Speaker 2 (15:11):
Have you been on that
?
Speaker 1 (15:13):
stretch, Dan, we have
.
We went down through Big Surgosh, it's been years ago, but
we've traveled almost the entireway.
We did a road trip a few yearsago from Petaluma, California,
and then we went up the coast toPortland.
That was, yeah, beautiful ride.
Somebody told me we were outthere and somebody saw my map of
(15:34):
what we were doing and they'relike hey, look, you got to go
see crater Lake.
And so we got off the beatenpath.
I don't know if you've everseen crater Lake, but that was
the most amazing view I've everseen.
Speaker 2 (15:45):
Yeah, that's on.
Yeah, that's one of the itemson my bucket list to get over
there and we weren't really toCrater Lake when we were in
Washington.
We really weren't that far.
That reminds me we need to getto that one.
Speaker 1 (15:59):
Yeah, you'll have to
go there.
Cool trip.
Yeah, love it out there.
So we'll switch gears.
We'll talk a little bit aboutyou mentioned.
You worked at Macy's, youworked at Amazon, then you
became a business owner, thisfinancial coach, which I'm very
interested to learn about.
But take me a little bit onthat journey of what took you
out of the corporate world andand turns you into this
(16:21):
financial coach.
Speaker 2 (16:23):
I had a not or it was
more of a less than ideal time
timeline when I started enteringthe real world for work.
I graduated in 2007 and thengot my first job right before
the great financial crisis, withthe housing market and the
Great Recession in 2008,.
(16:45):
I got laid off eight monthsinto my first job, just with
downsizing that was going onacross the board and that was a
really rocky start.
Where I was this unemployedsingle guy living in Cincinnati,
still didn't really know anyonevery well here and financially
(17:07):
it was a hard time because allof a sudden I'm facing, I'm in
debt, I don't have any savings,I don't have a job and I really
didn't feel like I had a purposein my life at that time.
But I had a really long,difficult and emotional phone
call with my dad during that andhe kind of helped me see some
(17:29):
of the light at the end of thetunnel, to get back focused on,
you know, picking myself back up, and I got my next job at
Macy's, where I worked for eightyears and then Amazon for six
years.
But during that time I thinkreally that incident that I just
mentioned losing my job earlyon that really motivated me to
(17:51):
learn more on the personalfinance side, because I'm like I
don't want to get in this holeagain, I don't want to ever go
back there and I want to reallyput myself.
What are the things I can do toreally put myself and family in
a good position where we havecushion, where we have
flexibility, where one of usloses our job, we're going to be
(18:13):
okay?
I consumed a lot of books, a lotof blogs over the period where
I was working in corporateAmerica and I found this really
stumbled upon.
This thing called the acronymis FIRE, f-i-r-e, which stands
for Financial Independence,retire Early, which basically is
all about learning how to saveand invest as much as you can
(18:37):
and eventually get enough whereyou can quit working and retire
early and not work if you don'twant to.
And once I found out about thatalong the way, I'm all in, I'm
sold on this.
I'm still, at that same time,kind of grinding away in
corporate America and just overthe years I got kind of burned
(18:59):
out.
I learned a lot from thoseroles and they were great
experiences, but for me, Irealized it is not sustainable
for me to work 40 years like awhole career in corporate
America.
Fortunately, we got to a pointwhere we were in a financial
spot where I could leave mycorporate job and I was helping
(19:21):
my wife at the time with herwedding photography business but
I still didn't really know whatI was going to do with my life.
I just knew I needed to get outof that environment.
So one day I'm sitting in churchand I'm praying silently.
There's this moment where Godtells me that I was given this
(19:41):
gift but I've only been using itfor selfish purposes, for this
financial skill.
In that moment he gives me thiscalling and purpose to use
those gifts that have been givento me.
Use those same gifts to serveothers through financial
coaching, really help peoplegain financial freedom and
(20:04):
unlock the life that God hasdesigned for them.
You know, money's a big part ofall of our lives, good or bad.
It's just the nature ofexistence that money is a key
piece of this, and most of ushave challenges in our lives
that become barriers to ourrelationship with God.
And I really look at my job asto be a barrier buster.
(20:27):
And financially it doesn'tmatter whether someone you know
someone could be amultimillionaire or someone
could be completely broke, butin either case, money can be an
object that stands in the way ofthem living in a full
relationship with God and mywork on this part of my journey
currently it's just been sorewarding to not only see the
(20:49):
transformation financially in myclients' lives but also really
forming deep relationship andcommunity with my clients.
And I think that's reallysomething, dan, that was missing
in my time in corporate Americabecause I was just this back
office kind of necessary role infinance and accounting and
(21:10):
audit but I never felt like Iwas directly actually helping
people and now I just love thatI'm able to work one-on-one with
the families that I do.
I get to see firsthand thechanges and improvement that are
happening in their lives andit's just incredibly rewarding.
(21:32):
So I feel very blessed that Ifinally found my vocation.
It was an interesting journeygetting here, but I'm just very
grateful for what I do have nowand just really the opportunity
to serve and help others.
That's that's kind of what itboils down to for me.
Speaker 1 (21:51):
That's great and you
know.
Speaker 2 (21:52):
you look back and I
don't know if you probably say
it's funny but that first job,which happened to be at a time
that wasn't great in our countryfinancially, but yet that's
when god planted the seed foryour future, yeah, and I I
didn't see it at the time, butone of the things as I've gotten
(22:13):
older is being able to see whenthere's these really negative
incidents in life and, uh,moments of of heavy suffering,
there is a lot of good that cancome out of that and lessons
that you learn, and that'sreally where a lot of the growth
happens.
It's not when everything's justgreat, it's when you face
(22:36):
adversity that makes youstronger, but it's not.
It's not fun to go through, butit's just a natural part of
growing as as humans, and that's, that's just part of the
journey that's a great story.
Speaker 1 (22:51):
And uh, here's a
question for you on your, on
your business.
Is your are your client?
You call them clients, I assume, but are they young, old,
single families?
Is it just a just a mix of allthat?
Speaker 2 (23:05):
Yeah, so I mostly
work with couples.
Really the age range can vary.
I have some clients thatthey're couples that have young
kids and it's growing family andthey're in their 30s.
And I've got some clients thatare empty nesters.
They're in their mid to late50s or early 60s and they're
(23:27):
kind of in the five to 10 yearwindow pre-retirement, helping
them navigate the journey fromworking to retirement and how is
that going to work out?
And anywhere in between, fromthose folks that I work best
with, it's hardworking, friendly, fun Christian couples that are
(23:50):
unsure if their money's beingmanaged well, either by
themselves and how they've beenmanaging it, or if they've had a
money manager but they don'treally know.
Okay, is this really workingout to the way that it should?
For us, I'm able to come in andhelp them really excel at being
able to self-manage, where theydon't necessarily need to rely
(24:13):
on having someone manage theirmoney for them, and that really
just instills a lot ofconfidence in them as they're
going through the process andlearning more.
I just try and simplify thingsas much as possible.
Financial concepts can be supercomplicated, but they don't
have to be, and a lot of that isreally just noise.
(24:33):
So I kind of try and cut allthat out and just say what are
the key things we need to focuson and what's important to you,
because this is all about justhelping my clients use money as
a tool to live their best life.
Wow.
Speaker 1 (24:47):
Good for you, thank
you.
We mentioned bucket list itemsearlier.
What's one big item on yourbucket list?
Speaker 2 (24:54):
Yeah, one I have is
going on the Appalachian Trail
and doing the full hike.
Okay, I know one of your pastguests on your podcast.
She completed that she did.
Yeah, I probably need to talkto her to pick her brain.
Speaker 1 (25:11):
I would definitely
talk to her.
That's cool, yeah, and I hadanother guest who did the
Pacific Crest Trail so she didout on the West Coast so that
was fun.
Speaker 2 (25:21):
Yeah, that's another
one I don't know as much about,
but I probably should look intobecause I think bottom line is,
yeah, I just want to exploremore of the country and just the
beauty.
I know there's a lot of goodways to do that.
Yeah, I need to probably dig inmore before I put my hiking
shoes on.
Speaker 1 (25:41):
You know, got two
good resources I can link you up
with.
All right, hey, and I wouldtell you hey, if you want to get
in the car, you go to Marylandand you drive US Route 50, which
comes right through Cincinnatihere on your way to Sacramento,
california.
That to me is that's the besttrail.
You can do it in a car.
Speaker 2 (25:58):
Yeah, I might have to
add that one to my list too.
Speaker 1 (26:01):
All right, that's fun
.
Imagine today you could take aroad trip with anyone, living or
deceased.
Who would it be?
Where would you go?
What would you talk about?
Speaker 2 (26:09):
That's a great
question.
I would have to say Jesus, Igive him the keys, I let him
decide where we're going, whatwe're doing, I just simply
follow his lead, and that'sessentially what I try and do
each day.
But to actually go on a realroad trip with him would just be
(26:33):
amazing.
Speaker 1 (26:35):
Yeah, yeah, that
would be a fun road trip.
Here's the thing.
I think this is what alwaysresonates with me with Jesus, he
never got in a hurry.
I'm guessing your road tripmight take a while.
Speaker 2 (26:45):
Yeah, and that's okay
.
It's so easy for us all to justbe in a hurry and and busy and
it's like, oh, we got to get tothe destination, but you got to
take it slow and enjoy thescenery.
You know, don't rush throughlife.
Now there's a lot.
I think there's a lot of wisdomin that.
Speaker 1 (27:02):
Yeah, my daughter
always tells me dad it's about
the journey, not the destination.
Speaker 2 (27:06):
Yeah, that's good
advice.
Speaker 1 (27:09):
Well, speaking of
advice, if you could leave my
listeners with a couple piecesof life advice, financial advice
, what would it be?
Speaker 2 (27:18):
Yeah, one thing that
I've heard it was about 10 years
ago that totally changed theway I think about big decisions
are to imagine yourself.
For any big decision is imagineyourself as you're 90 years old
and you're sitting in a rockingchair on your back porch and
(27:39):
ask yourself, as a 90 year oldlooking back will I regret if I
do this or will I regret if Idon't do this?
This framework has reallyshaped my thinking, and when I
think about things in this way,some things that on the surface
might look like a really harddecision actually become easy
(28:03):
decisions.
Because if there's somethingthat I want to do but I never
have the courage to do it, Iknow that I'm going to regret
that and I know if I don't dothat, it's going to haunt me.
And the longer that goes on,I'm just going to wonder what if
?
What if?
So in those moments I'vegenerally done that thing and
it's worked out pretty well.
(28:24):
And that's been true forchanging careers, relocating,
taking on challenging goals thatI otherwise would have been too
scared to do.
And you know, look, we all haveregrets.
I certainly have some regrets,but when I look back on my life,
I really want to minimize thenumber of regrets that I've had
(28:46):
and you know, sometimes you gotto realize that the riskiest
decision of all is not to take arisk.
Speaker 1 (28:53):
Yeah, Wow, Great
advice.
Well, Stephen, this has beenfun.
We're going to see each otherin probably about I don't know
nine hours or so, whatever it is.
This has been fun on aWednesday night to take this
journey with you.
This has been fun on aWednesday night to take this
journey with you, and we've beentrying to do this for a little
while, and you've been soencouraging in my little project
(29:13):
.
I've got going here and so Ijust really appreciate your time
.
Yeah, thanks for having me.
It's been a pleasure.
And before we go, leave mylisteners you're self-employed
if they're listening and how dothey connect with you?
How do they learn about yourbusiness If you got a charity
you want to mention?
That's cool too.
Whatever, you want to leave uswith.
Speaker 2 (29:34):
I'm pretty terrible
at marketing and so I've got no
website, I've got no socialmedia, so really all of the
folks that I work with come fromreferrals, but the best way to
reach out to me is really justthrough email.
It's just Stephen with a P-H,so S-T-E-P-H-E-N dot M is in
(29:56):
Michael dot Dawson, d-a-w-s-o-nat gmailcom and you can get in
touch with me that way.
And, yeah, I'd love to connect.
Speaker 1 (30:06):
Well, perfect, and I
hope people do.
And thank you for tuning in toDan the road trip guy.
I hope you enjoyed our journeytoday and the stories that were
shared.
If you have any thoughts orquestions or stories of your own
, I'd love to hear from you.
Feel free to reach out to meanytime.
Don't forget to share thispodcast with your friends and
family and help us to spread thejoy of road trips and great
(30:28):
conversations.
Until next time, keep driving,keep exploring and keep having
those amazing conversations.
Safe travels and remember youcan find me on the internet at
dantheroadtripguycom.