October 18, 2024 • 35 mins
When the unforeseen strikes, how resilient are your family and business? Cindy Alredge, a generational family planning specialist and best-selling author, joins us to unravel the complexities of emergency planning for business owners, a topic that tends to take a backseat until it's too late. Her touching personal narrative, stemming from the impact of her ex-husband's stroke on both their family and business, serves as a powerful catalyst for this conversation. Cindy guides us through the critical distinction between estate and emergency planning, emphasizing actionable steps to fortify both personal and business affairs against crises.
The survival of a small business during an owner's sudden absence is no small feat. This episode ventures into the intricacies of creating a business continuity plan and the crucial role employees play in this process. Through storytelling, we extract valuable insights on cultivating a supportive work environment and involving your team in emergency preparations. Here, we're not just talking strategies; we're exploring the very fabric of workplace culture that can either buoy a company through tough times or leave it floundering.
Legal preparedness is our final port of call, a beacon of protection for your family and business legacy. With a staggering number of owners operating without a will, we probe the psychological barriers that often prevent such critical planning. We share raw, personal accounts to illustrate the potential turmoil in the wake of emergency unpreparedness. Your takeaways? A road map to navigate these intricate challenges and an urgent call to action to commit the time needed to establish legal defenses, securing peace of mind for you and the generations to follow.
A loan brokerage firm that acquires funding for business owners and real estate investors.
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Episode Transcript
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Intro (00:13):
Ready to get the inside scoop on equity funding?
Tune in to TDJ Equity FundingInsiders Podcast for an in-depth
look at what it takes to accessfinancial capital and maximize
your investments.
Hear from experiencedprofessionals, including bankers
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(00:36):
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funds securing funds.
Jacquelyn Jackson (00:52):
Welcome to another episode of TDJ Equally
Funding Insiders, the podcastwhere we uncover the strategies
for funding and stories behindbuilding and safeguarding your
wealth.
I'm your host, jacquelineJackson, and today we have a
very special co-host guestjoining us, someone whose
expertise lies in an area oftenoverlooked yet profoundly
impactful, and that isgenerational family strategies.
(01:13):
Now let's understand whatfamily strategies are and
understand that those strategiesdo affect us as business owners
and that's why we have her onthis show, so we can actually
show how, as business owners, weneed to look at including this
as something, a strategy, aspart of us doing our work
planning.
So, unlike traditional estateplanning, legacy or generational
(01:37):
family strategy planning isdeveloped deeper into the heart
of the family dynamics,addressing not just the transfer
of the wealth but also thepreservation of health, harmony
and relationship.
It's about preparing for theunexpected, those crucial
moments that can disrupt notjust finances but the very
(01:58):
fabric of family, unity andbusiness continuality.
So let's, if we would, let'swelcome our guest, ms Cindy
Outridge, that is actually agenerational family strategist
and a best selling author onAmazon, am I correct?
Cindy Arledge (02:14):
Yes, ma'am From Texas.
Jacquelyn Jackson (02:16):
All right, so let's welcome you to our show
today.
Cindy Arledge (02:18):
Jackie, thank you so much for having me here.
It's such a pleasure to spendtime with you, definitely.
Jacquelyn Jackson (02:23):
And I am really excited and so, like I
was saying earlier to ourlisteners, we're bringing in you
because we do talk about thefunding field and how to get the
money and the insights and allof that, but what we also
realize as being loan brokersthat sometimes business owners
will come in and we don't takein consideration everything that
we may need to look at.
And on point, reading your bookand guys, I've read her book,
(02:46):
so definitely I want y'all to, Iwant to take time to mention it
now and we're going to mentionit throughout the episode too
but she has the family emergencyhandbook.
This book is designated toactually help us dealing with
the generational situations wemight have that may affect our
business.
So let's go into this and lether start off by letting us know
, explain to us about thegenerational setup that you
(03:11):
actually have that we need tolook at as far as being better.
Cindy Arledge (03:13):
Well, and this book is actually just a little
piece of the puzzle that I do.
Okay, this book is the one thatgets families the furthest
faster, because it protects themin emergency situations.
Nobody wants to say thatthey're going to have an
emergency.
You know, we always say if notwhen, and we say we'll get ready
someday, but someday's the dayafter you needed it.
(03:37):
Right, and this book came aboutwhen my ex-husband had a stroke
and my two adult daughters withfive children between them, all
under the age of seven weresuddenly put in a situation of
making life and death decisionsfor their father, running his
business and taking care of aherd of cattle in another state
and trying to be the pointperson for the insurance, with
(04:00):
absolutely no access to any ofhis.
I mean, they were designated onhis accounts, but they weren't
prepared, and so what I'vediscovered is that, even though
he wasn't in my inner circleanymore, we were connected
through our children Because hewas their emergency.
They dropped everything to helphim, I dropped everything to
help them, and so I was watchingthe news and there had been a
(04:23):
hurricane through Houston andthere was an emergency response
team there in a boat with waterand they were minimizing the
damage to the community in adisaster situation.
I thought, man, we need that atthe family level, and so that's
how the idea of this book cameabout, and then I built it for
(04:46):
my own family, and then Istarted using it with my
one-on-one clients, and this isthe piece that they absolutely
can do and feel so much moreconfident about life once they
get it done.
Jacquelyn Jackson (04:57):
So basically, this is not estate planning.
Cindy Arledge (05:00):
No, not at all.
This is basically this is to putan emergency plan in place
because I tell people you canlive through.
It kind of is an estate plan,because if you don't have a will
and you don't have your medicalpower of attorney or your
financial power of attorney inplace and you have a medical
emergency and you becomeincapacitated, no one can make
(05:21):
decisions for you.
True, and so I share stories inseveral of my books about you
can live through a bad estateplan.
I mean, people think, oh, I'mnot going to be here, it won't
matter.
Well, guess what folks?
You actually could just getincapacitated and then come back
and live through it.
And I share in my book a storyof a gentleman that went in for
(05:44):
a simple surgery.
Things didn't go well, ended upin rehab because he just got
that emergency room psychosisand he couldn't even remember
what decade he was in Right.
So his boys became life anddeath decision makers, not
knowing what their dad waswanting, what he wanted right.
Live-in girlfriend claimed shehad power of attorney over the
(06:08):
finances and it was just thishot mess.
Nobody could get into the bankaccounts because his passwords
that he was remembering were adecade old.
And so he finally got well, buthe was 80,000 more in debt than
he needed to be because hewasn't organized.
Jacquelyn Jackson (06:26):
Wow, that organization came from that
actual setup.
Now I want to say this whatattracted me to you and what
you're doing is because I havean estate planning.
We have set up things where Ihave my daughter, my kids, in
place to take care of stuff forus.
But what I didn't have have nowI had an insurance drawer.
Well, I have where all theinsurance.
(06:46):
I told them what our, where, allthe credit cards are, but I'm
gonna be honest, they wenttogether as well as you had
instructed in the book to do,and that's why I think this is
something definitely you allhave to get, because she has a
checklist am I correct thechecklist in?
And she tells you actually howto set up the drawer right and
then actually have what all docsand stuff we need to have in
(07:09):
place.
And I will be honest with you,even with me having to stay
planning, a lot of this wasmissed, and that's why it's so
important that we need to knowwhat we need to do.
So talk to us about everythingthat comes with yours, for what
you have set up for people.
That's different.
Cindy Arledge (07:23):
Well, and you know, comes with yours for what
you have set up for peoplethat's different.
Well, and you know, I do thingsin a simple way, like I want to
really make a huge impact, butI don't want to make it harder
than it needs to be, and so theidea behind this book is just to
organize all your importantdocuments in one place.
Okay, and there's 12, there's12 different sections and
they're easily marked.
You can just put all theinformation in that section.
(07:46):
Well, the challenge is for me Imanage commercial real estate,
so when I get to the asset sideand I've got all these multiple
properties, I need a fireprooffiling cabinet.
You know what I'm saying,because you've got all the it's
a lot of documentation, all theit's a lot of documentation.
So, depending on the complexityof your asset mix and estate,
(08:12):
and you could.
Jacquelyn Jackson (08:12):
You could need more than a drawer.
Cindy Arledge (08:13):
So are you saying like but what you're getting is
getting us started.
Are you getting us started?
Absolutely Just 12, just 12.
And really I do have it all inone drawer.
It's just, it's just all in afireproof filing cabinet because
I like to keep my stuff safe.
So you have these 12 littlecategories, right, and you start
organizing your documents andthen you think through who would
be the person that would cometo help me in an emergency and
(08:33):
you make that list right and youwant to ask people to help you
in ways that's using theirstrengths.
So, for instance, my twodaughters one daughter's super
responsible loves to dochecklists, she's a school
teacher and the other one wouldgive you her heart on her sleeve
and she's going to fluff yourpillow.
(08:55):
Oh, they're right, right.
So the one daughter, the schoolteacher.
She took care of all thebusiness side of the details,
and then the other daughter tookcare more of the maintenance of
dad and making sure he wascomfortable, and so they use
their strengths.
And so when you're thinkingabout who can be the person to
help me, you need to take in.
(09:16):
You know, if you've got a kidwith five kids under the age of
10, she probably can't help youvery much If you try to put on
two more of your children on.
Yeah, exactly, so you reallyhave to think through who can
really help me, and this iswhere you can get creative.
I even have one of the sectionsin the book like if you've ever
stayed at a bed and breakfastor a B&B where you go, stay the
(09:38):
night, they say welcome to ourhouse.
Here's the password for theWi-Fi Take the trash out on
tuesday, watch out for bears.
You know I have you create thatfor your own house exactly.
And so then when if somethingwere to happen doesn't have to
necessarily be bad- right itcould be the birth of a child
and everybody's you know at thehospital.
(09:58):
For that, I mean, it doesn'thave to be bad, but typically it
is.
You want people to be able tocome in and feed Fido and know
what are the commands that Fidoneeds, so you don't keep him
running off the street becausethen you've got mom in the
hospital and Fido's lost.
That's a bad deal right.
And so who can help you?
Maybe a neighbor?
(10:20):
It didn't have to necessarily bea family member.
It could be a trusted person inthe business, and we're not
giving them everything, we'rejust giving only the part.
That you're going to ask themfor.
So you assemble your team andyour mind I write about in the
book, invite them to lunch andbuy them all a copy of my book
(10:40):
so that you can give them a copy, because you want them to do
the same thing, because theiremergency could become your
emergency.
Jacquelyn Jackson (10:48):
Now let me say this not trying to interrupt
, but I want everybody to hear.
Her book is a workbook.
It's basically a workbook, butshe gives you stories and
explanations of why you shoulddo and, guys, it's an easy, easy
, easy read and even witheverything I'm required to do
because some of this stuff I gotdone, following her a lot
quicker than I was expecting todo, but because she had it
(11:10):
organized a supply list and shehad everything set up I was able
to get it done and it took meprobably about, to be honest,
about a couple of weekends tokind of move some stuff around
to do it, but it's done.
But when I showed it to myhusband, who also has a business
, he said the same thing like,wow, everybody needs that.
Which leads to my next questionwhy is this something everybody
(11:33):
doesn't know about?
Why we don't know this when wetalk to people about estate
planning?
Cindy Arledge (11:38):
Well, and again, this is not really necessarily
estate planning, but when youthink about it, this is a whole
nother level of planning.
You sure are Right, and ifyou're working with
entrepreneurs, they're typicallybusy.
They can get 12 things donethat are superhuman.
That would take most.
You know 10 other people, right?
So entrepreneurs are great.
(11:59):
They're go, go, go, go go.
This is not in their wheelhouse, you know going and getting in
your drawer and getting thingsorganized.
And the great news is is theycan delegate that Typically, an
entrepreneur is not married toanother entrepreneur.
Typically, an entrepreneur ismarried to somebody who's very
steady.
They can let that person do it.
(12:20):
You know, one of myentrepreneurs had her secretary
do it for her.
It doesn't have to be you.
Now, there is some pretty, youknow, information in there that
you might not want to have,because I even include a medical
section, right, because youwon't see this anywhere else and
that's why you haven't seen it,because it was just created
(12:41):
last year, and my goal is to andI appreciate being on your show
because my goal is to and Iappreciate being on your show
because my goal is to popularizethis level of planning yes,
ma'am, because this is affectingthe productivity of our country
.
Jacquelyn Jackson (12:55):
It is it truly is, and how do you, how do
you say?
You say that, but how do youcome to that?
Cindy Arledge (13:01):
So if you look at the generations that are living
right now, we have more babyboomers.
Okay, right, we've got.
The baby boomers have wreckedthe world from the day we were
born.
We're going to wreck it on theway in, we're going to wreck it
on the way out, just you know.
And so you've got this largenumber of elderly people that
we've never had before, andwe've got children stuck in the
(13:23):
middle of taking care of theirchildren and now being
responsible for the baby boomers.
And without this planning,you've got they call it
presenteeism.
You've got Betty at workphysically, but she's on the
phone with the nursing hometrying to find a home for her
mom.
That's right.
And then there's absenteeism ofand typically it does fall on
(13:44):
the women.
It may be unfair, but it iswhat it is.
Women will take that role ofbeing the family caregiver, and
so when companies can providethis kind of support to their
ecosystem, they can bringeveryone up and improve the
productivity of their companyand you know, I think when, as
(14:07):
you were speaking, I kind ofthought about you know, our
first time responders.
Jacquelyn Jackson (14:12):
I'm for sure they may have something in place
, but even if you don't, this issomething good, because how
many times we go to work I knowwe don't want to talk about this
, guys, I know we don't but howmany times people have left for
work and didn't come back?
We don't, but how many timespeople have left for work and
didn't come back?
And I think of that on mypolice officers, my first time
responding, my ambulance and myheart always go out to them.
First of all because I realizewhen you walk out that door,
(14:34):
there's no guarantee.
There's no guarantee for any ofus, don't get me wrong, but you
are definitely in the line.
The site of being, you know,something harmful happened to
you.
So I can see with us as abusiness owners, because if I
leave out and come back, nobodyin my home knows how my business
is ran Right.
You know they got.
They know about the state planand stuff.
But I realized as far as howthings are done, like the keys
(14:56):
to the office opening up and whoI I didn't have any of that
together.
So I know for business owners,we hadn't thought about it.
You know your managers andstuff that's in place are your
managers, but this is somethingyou would have to initiate first
and designate.
I think I read when you talkedabout how we need to delegate
that and that's what you'resaying now right, yeah, you can
delegate that.
Cindy Arledge (15:17):
And I actually wrote a fictional story in this
book.
Because number one?
Because number one, it's morefun, and number two, it allows
the reader to go through theprocess without me telling them
what to do.
They're just following alongwith, you know, the couple
(15:37):
that's doing the program and Iactually go through how they
estimate it.
I give people an estimate ofhow long this could take.
Jacquelyn Jackson (15:43):
Yeah, I noticed that it's a long time.
Cindy Arledge (15:46):
I mean, they're like poof.
And so in the book the owner ofthe company gave a cash award
for her managers who wouldcomplete the program.
Oh, wow, and I'm not sayingthat a business owner has to do
that.
But you've got to help youremployees find their why,
whether it's supporting themwith the book and giving them
(16:09):
time to read it at work andgiving them set hours and
encouragement some kind ofencouragement for them to do
that.
But when a business ownerbrings this program into his
employees, those employees aregoing to want to stay there
because they're going to thinkmy boss, my owner of this
company, really cares about meand cares about my whole family.
(16:29):
I'm not just a seat, you know,on the sales.
Jacquelyn Jackson (16:33):
They care about me, Right, and that makes
a difference, that I know whatyou're saying, that I actually
had a client that I talked toabout this.
First of all, he was shockedthere was even one made that was
available, but he thoughtbecause he owns a hospice, and
he said you know, I deal withpeople to deal with people.
That's hurting all the time,but I think it's something great
(16:54):
to have in place that we allknow what their emergency system
is so that we can be there forthem as well as they are for
everybody else.
And that's what he's working onnow.
He said give me a couple ofmonths so I see what you're
saying.
Like I said, it was like when Iheard it and read your book and
so even talking to him andhopefully we get the same
(17:14):
response that business ownershear this, that they will reach
out and you all can reach out toour website and, like I said
which we give you, that at theend of the show tdjequityllcnet,
we will actually have her asone of our partners where you
get in touch with Ms Cindy, okay, where you can link to her and
make an appointment and see whatshe can do to help you getting
this together as well as gettingthe book through Now with all
(17:37):
that said.
Is there anything you think, acall or action you would like to
tell our people?
Cindy Arledge (17:42):
Well, I would like for people to just go to
your website and check it out,because the Sunday that you're
waiting for is the day after youneed it.
Sunday is the day too late, andthis is just a start of
protecting your wealth by beingprepared for the emergency when
(18:05):
it happens, and it is animportant first step that you
can take.
Jacquelyn Jackson (18:11):
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(18:32):
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(18:53):
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Cindy Arledge (19:15):
Welcome to Frameworks Consortium, your
partner for sustainable businesssuccess.
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We develop customized solutionsthat align with your unique
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Connect with us today andharness the power of strategic
planning for your business.
Jacquelyn Jackson (19:37):
Now we have a few more questions.
I want to run by before youtake off, because I want to make
sure we go.
First of all, can you tell ushow do we go about getting your
book?
Cindy Arledge (19:44):
Let's do that it's on amazoncomcom, okay, and
it's on kindle virgin, which Ireally don't recommend because
it is a workbook um, but I didwant to make it.
There are some people that areopposed to you know, paper,
paper, but um, the I.
The book is available in printor on kindle and I highly
recommend the print version, theprinter right, which that's
what I got.
I saw the kindle version Ithought, started reading.
The book is available in printor on Kindle and I highly
recommend the print version.
Jacquelyn Jackson (20:05):
The print version right, which that's what
I got.
I saw the Kindle version.
I started reading and I waslike, uh-uh, I need to highlight
and stick and pen andeverything.
So you are correct, definitelyyou guys want to pick this up
yourself from Amazon.
We'll have her link that'sgoing to be set there where you
can actually go there and alsoget her book as well, so we'll
make sure that happens for you.
At the same time, now let's saythis about this book, because
(20:29):
it's so much goes on with thisguy, so I can tell you so much
of it.
But I know one thing that stoodout is how you even had a part,
for if they had animals.
You know, and my top and my guytalked to he has horses and he
looked at everything and so hewas just amazed on it.
So in your opinion and I knowyou've said it already, but we
want to kind of emphasize it whydo you think it's so important
(20:50):
as business owners to have this?
Cindy Arledge (20:53):
Well, because a business owners and their
families are intertwined.
If the business tanks, thenit's not like they have the
security of another job andthey've got, you know, they can
ask for, you know unemployment.
You're a business owner andwhen you can't go to work,
(21:13):
either for yourself or a spouseor a child, then you know,
typically your business incomewill be impacted.
And so to be able to protectyour business you've so to be
able to protect your business,you've got to be able to protect
your family, and it's viceversa, Vice versa.
Jacquelyn Jackson (21:30):
So I know you've given us a lot of
information, but let's just sayjust a question just for now,
simple, of how do a person evenget started about a book?
But how do we get started to do?
Cindy Arledge (21:42):
this In the book I have people identify their why
and make a commitment tothemselves Because if you don't
do those two things, life willget in the way.
I'm so amazed I'll ask peopleand let me just take a step back
Over 50% of business ownersdon't even have a will.
(22:02):
So if you want to get into, Imean I mentioned in the book,
but they're not even legallyprotected, right, and so their
family doesn't even have theright to help them if they're
incapacitated.
There's no right to make amedical decision.
I mean, you're not even in thearena of life without a legal
plan.
So let's just start there.
And so the commitment and thewhy is so important?
(22:28):
Because, also talking about inthe book our brains are biased
against us getting this done.
Yes, Our brains don't want usto do this.
They're like, yeah, see thosedirty dishes in the sink.
Yeah, those are more importantthan getting a wheel, Than
getting a wheel, and you aboutright.
Jacquelyn Jackson (22:44):
Those are more important than getting a
will Than getting a will, andyou about right.
But I know the biggest thingthat shocked me with this, and
probably some other owners canunderstand that I have had
children that turn intoteenagers, that are now young
adults and guess what?
I have no rights over nothingwith them, with less than
writing.
That was the biggest thing Ihad to learn and we need to know
this helps with that correct.
Cindy Arledge (23:05):
Well, I mean it highlights the problem.
I mean.
I'm not an attorney I don'tplay one on TV, but they do need
to see a good attorney.
And the interesting thing abouthaving a conversation with an
18-year-old to say you know, Ineed to get you these documents
is you can actually.
You know, I always ask peoplewhy they don't have their will,
(23:27):
because I'm fascinated by it.
And one young man he's in hisearly 30s has two children.
Because I feel invincible, wow.
And so that feeling ofinvincibility like I'm
invincible gets.
None of us are invincible.
No you know none of us, I meanI'm glad he feels that way and
(23:48):
feel invincible and take care ofyour family right, yes, ma'am
and so um did I answer that?
Jacquelyn Jackson (24:02):
question.
Yes, you did.
You said basically, you'retelling okay, so you're talking
about them as far as being umaware of what you need to have
done, because it affectseverybody basically, and affect
him with his kids and all thatstuff and and, like I said, we
talked about the adults and Ithink I think we missed that
(24:22):
adult side, that our childrenare grown and you, you know, if
they got an apartment bythemselves, like I was proud of
myself that all my children hadtheir own place, until somebody
said which I think was you, doyou have rights to go into their
place?
No, I do not.
I did not know that whensomething happened, they get
sick.
What are you going to do?
Because they're not married andI'm like whoa, that is starting
a whole lot of things.
(24:42):
So what happened is I will pullaway from work to deal with
that and I can see that beingchaos.
You know of having to deal withthat and I guess that's the
beauty of your book is thatyou're trying to tell us to
prevent the chaos.
This is what you need to do.
Cindy Arledge (24:57):
Well, and they're always going to be chaos, but
there's unnecessary chaos, right.
So there's like there's theemergency, unnecessary chaos,
right.
So there's like there's theemergency, but then there's the
emergency of I don't know wherehis key is, I can't get into his
bank account, the doctor won'tspeak to me.
There's that unnecessary stress.
And when we're so stressed out,I tell the story when I was
(25:20):
going through a lot of stuff, Iforgot how to pump gas.
I mean, I went, you know, and Iand I was in a hurry, you know,
it was just a really I wasstressed out.
I had to call the attendant andlike your pump won't work, and
he goes ma'am, you got to dothis.
And then push the button.
Jacquelyn Jackson (25:37):
And you, just it, just I know I've been there
, oh my God, and we have tounderstand that you are correct.
We have a lot of stuff going onand what I like about this and
I'm not saying it's justprice-wise, but I think for what
you pay for this book which isway more than what it is it's
worth you doing it to get a lotof stuff set up for free.
It just takes time is what itis and commitment.
Cindy Arledge (25:57):
And I remember where I was going when we went
down the rabbit hole At 18,.
When you're having this, you'regoing to be amazed at how fast
life goes and we're going to getyou a will.
I know you don't think you needit, but I also want you to
(26:19):
think about if you're my age andyou've got a child that's
turning 18, where do you want tobe and how can I help you get
there?
And that's a good way to lookat it, because it's an uplifting
conversation.
We think we have all the time inthe world and yet we're proven
(26:40):
that we don't every single day.
Every single day, and so it'sit's actually can be turned into
a very meaningful conversationwith that young adult of I see
you and I want you to be, all ofyou that you can be, and it's a
great excuse, uh, at thatmoment, to do that.
And then it's also, like youknow, son, daughter, when you
get married, you're going to getto do this again and it's this
(27:01):
normalization of talking aboutdeath and aging and money that
is passed down from onegeneration, because it's a
conversation we're not havingRight.
So what we normalize in ourfamily is what they will halfway
normalize in their familybecause they're going to marry
somebody else who's got a wholedifferent normal.
We think it's parents raisingour kids, but it's really
(27:22):
grandparents.
Jacquelyn Jackson (27:24):
I believe that Because there's four
grandkids.
Cindy Arledge (27:27):
Because the parents, like I mean, when I
started this process and I gotto thinking about money, what's
my mindset of money?
I realized from my dad it waspower and from my mom it was
love, and I realized I wasconfused.
I was like, well, of courseyou're confused.
Well, then you add that toanother spouse who got two
different messages and nowyou've got four messages that
(27:48):
have never really been naileddown into solid beliefs that you
can pass forward.
So that's even more of thatgenerational family planning
that I do.
That's kind of the more funside.
Jacquelyn Jackson (27:59):
Right, that what we have, but it's also,
like you said, it's the fun side, but it's the side that I see
that we really just don't payattention to, and we need it.
Cindy Arledge (28:07):
We do need it.
We do need it, and it'sinteresting in this world that
we feel so disconnected and wefeel like we can't keep up and
people are like, well, wait, youwant me to do this.
You know, stepping back andslowing down and figuring out
what your priorities are canreally help you get rid of the
(28:28):
things that are no longerimportant.
Letting go of things thataren't important is a very
important skill for a businessowner to learn.
Jacquelyn Jackson (28:36):
And it is a skill.
It is a skill, so I do agreewith you on that and, having
that said Also, you have statedsomething like that in your book
as well, and it's justbasically, guys, we're going to
have to do it.
You got to get out here.
You got to see what's going on.
Come up out of that desk ofworking as a business owner
because that's what we do allthe time Come out of that.
(28:57):
Raise up and see what else isout here to make your life
better, Because one thing aboutthis book and that's again the
reason why we wanted her on thisshow is that we want people to
understand that if you don'ttake care of this, it's not
going to get taken care of andthat's going to wind up
affecting you and your businesslife.
And that's some things I thinkwe don't look at from the
(29:19):
business, how our lives worktogether.
I think you said theyintertwine, Right, so they
shouldn't, but they do.
And if something well, whenchaos happens, you're right,
it's intertwined, it doesn'tmatter.
Cindy Arledge (29:30):
Well, and as an entrepreneur, they're always
looking, they're solution makers.
They don't want to concentrateon the oh, it'll be fine, It'll
be fine, and you know, let'sjust say it takes, you know, 40
hours to do this program.
Jacquelyn Jackson (29:49):
I suspect you'd be saving five times that.
Cindy Arledge (29:50):
You'd save a whole lot of money, you know and
not only someone else having todo it.
You'll save money because youmay just live through it and
have to face the consequences.
Jacquelyn Jackson (30:01):
Right.
So it's basically you sayingit'll save what I call brain
spin.
Cindy Arledge (30:07):
Not only brain spin but money spin.
You know the story I told youthe gentleman in the hospital
because they couldn't find hisstuff, they couldn't find his
insurance policy, so they lethim have treatments that weren't
covered, that they had to payfor out of pocket because they
couldn't find the insurancepolicy.
Oh wow, so I mean I'm talkingsome significant, immediate
(30:29):
impact.
Jacquelyn Jackson (30:29):
With the money, not having something like
this set up.
Yeah Well, it's an easy read.
I recommend my listenersdefinitely look it up, get the
book.
It's worth it and, like I said,I like the fact I actually
ordered three, because I didtake the advice in the book and
so I am giving it to my mom, mysister, because they deal, they
(30:50):
have to help each other.
Something should happen to meand my husband.
So I realized they need thebook, because I thought at first
I was going to get it for mychildren, but I'm like, no, they
don't need the book, they justneed to see my drawer, see what
I'm doing.
But who needed the book was?
You said that the people thatwill be affected by something
happened to me, which would bemy mom, and then my sister
probably helped my mom, or it'dbe my sister and my mom and help
my sister, so both of them needthe book, right, and so we see
(31:14):
that it didn't took off.
It's something I think a lot ofus, as business owners, don't
realize until, like you said, ithappened, and then it's going
to be too late.
Cindy Arledge (31:22):
Well, my goal is I'm not asking to save the world
save your family, exactly, andsave the people that are showing
up at your business, and thenlet them, because your mom and
your sister need to put onetogether, because if they don't
have it, then you have to gohelp them, right?
Well, the hours that they couldhave spent in.
Well, now, they may take youfive hours to go do something
(31:45):
that could have taken you 10minutes had they done this
program Exactly.
Jacquelyn Jackson (31:50):
Because you said have a drawer and a binder.
Cindy Arledge (31:53):
Is it a binder?
I did mine in a binder or Ialso have it backed up digitally
so I can get any of myinformation at any time from my
phone.
And one of the things that wejust kind of glanced over is
having the medical drugs andhistory accessible to people
that would be making decisionsfor you is critical.
It could save a life.
(32:14):
I tell the story of being inthe hospital and this woman is
in the hallway crying and thedoctor's like what medicine is
your mom on?
And she's like a blood pressuremedicine.
She kind of knew what themedicines did but she didn't
know what they were, and so nowthe doctor may not be able to
(32:36):
treat the mother, because ifshe's on a blood thinner then
they can't do surgery.
So this is life-saving stuff.
Jacquelyn Jackson (32:44):
It is.
So now we're talking aboutbrain spin saving, money saving
and just time saving, andlife-saving, and life-saving and
life-saving Is what that wouldbe.
Okay.
Well, I think that was great.
We'll get ready to wrapeverything up, but I do want to
see if there's anything elsethat you would like to say to
our listeners before we closethis episode out.
Cindy Arledge (33:04):
Well, jackie, I just want to say, if not now,
then when I mean it starts todayand peace of mind, do it now,
because there's nothing today.
And peace of mind, do it nowbecause there's nothing like the
peace of mind that comes fromgetting this done Exactly.
Jacquelyn Jackson (33:22):
So I totally agree with you.
So let's go over our talks tomake sure our takeaway guys that
we had, let's make sure we'redoing that I want to do right by
you guys I do.
Okay, so all our takeaways arekind of stood out to me.
She's actually we want to thankyou first of all for coming to
our show.
We have definitely sent out inGeorgia and definitely want you
(33:44):
to come back because you bringsomething that I think all of us
, as business owners,entrepreneurs, need to be aware
of.
So we definitely want to bringyou back on to our show.
Okay, thank you so much forcoming.
Cindy Arledge (33:53):
If y'all could know, we would be hugging each
other.
We will do that later.
Jacquelyn Jackson (33:56):
Okay, so, but what I want to say to you guys
is this that, on this takeaway,that was so important and I
thank Ms Cindy for actuallybeing here and the love that she
put into this book but it'sjust for us to know as owners
and so as business owners, so Iwant you all to take that with
you to definitely look into herbook.
The name of the book you allguys can see it here is the
(34:18):
Family Emergency Handbook.
Ok, is three steps to protectyour health, wealth and loved
ones?
Ok, by Cindy Arledge.
All right, so again, we want tothank you guys.
If you like what you have heardtoday, we ask that you actually
go to our Web site.
Want to thank you guys If youlike what you have heard today.
We ask that you actually go toour website, wwwtdjequityllcnet.
(34:38):
Forward slash podcast, whereyou can actually see some of the
other podcasts that we have.
But you also can go to our siteand actually reach the
resources and our partners isthere for you too.
So want to thank you all forbeing here and you guys take
care.
Intro (34:53):
We hope you enjoyed this episode of TDJ Equity Funding
Insiders Podcast.
If you'd like to be a guest orget in touch with us, please
visit our website attdjequityllcnet, forward slash
podcast or email us at podcastat tdjequityfundinginsidersnet.
Until next time, take care.
Ready to get the inside scoop on equity funding?
Tune in to TDJ Equity FundingInsiders Podcast for an in-depth
look at what it takes to accessfinancial capital and maximize
your investments.
Hear from experiencedprofessionals, including bankers
, underwriters, loan officersand industry experts, as they
(00:36):
share their unfiltered storiesand valuable lessons on securing
funds securing funds.
Jacquelyn Jackson (00:52):
Welcome to another episode of TDJ Equally
Funding Insiders, the podcastwhere we uncover the strategies
for funding and stories behindbuilding and safeguarding your
wealth.
I'm your host, jacquelineJackson, and today we have a
very special co-host guestjoining us, someone whose
expertise lies in an area oftenoverlooked yet profoundly
impactful, and that isgenerational family strategies.
(01:13):
Now let's understand whatfamily strategies are and
understand that those strategiesdo affect us as business owners
and that's why we have her onthis show, so we can actually
show how, as business owners, weneed to look at including this
as something, a strategy, aspart of us doing our work
planning.
So, unlike traditional estateplanning, legacy or generational
(01:37):
family strategy planning isdeveloped deeper into the heart
of the family dynamics,addressing not just the transfer
of the wealth but also thepreservation of health, harmony
and relationship.
It's about preparing for theunexpected, those crucial
moments that can disrupt notjust finances but the very
(01:58):
fabric of family, unity andbusiness continuality.
So let's, if we would, let'swelcome our guest, ms Cindy
Outridge, that is actually agenerational family strategist
and a best selling author onAmazon, am I correct?
Cindy Arledge (02:14):
Yes, ma'am From Texas.
Jacquelyn Jackson (02:16):
All right, so let's welcome you to our show
today.
Cindy Arledge (02:18):
Jackie, thank you so much for having me here.
It's such a pleasure to spendtime with you, definitely.
Jacquelyn Jackson (02:23):
And I am really excited and so, like I
was saying earlier to ourlisteners, we're bringing in you
because we do talk about thefunding field and how to get the
money and the insights and allof that, but what we also
realize as being loan brokersthat sometimes business owners
will come in and we don't takein consideration everything that
we may need to look at.
And on point, reading your bookand guys, I've read her book,
(02:46):
so definitely I want y'all to, Iwant to take time to mention it
now and we're going to mentionit throughout the episode too
but she has the family emergencyhandbook.
This book is designated toactually help us dealing with
the generational situations wemight have that may affect our
business.
So let's go into this and lether start off by letting us know
, explain to us about thegenerational setup that you
(03:11):
actually have that we need tolook at as far as being better.
Cindy Arledge (03:13):
Well, and this book is actually just a little
piece of the puzzle that I do.
Okay, this book is the one thatgets families the furthest
faster, because it protects themin emergency situations.
Nobody wants to say thatthey're going to have an
emergency.
You know, we always say if notwhen, and we say we'll get ready
someday, but someday's the dayafter you needed it.
(03:37):
Right, and this book came aboutwhen my ex-husband had a stroke
and my two adult daughters withfive children between them, all
under the age of seven weresuddenly put in a situation of
making life and death decisionsfor their father, running his
business and taking care of aherd of cattle in another state
and trying to be the pointperson for the insurance, with
(04:00):
absolutely no access to any ofhis.
I mean, they were designated onhis accounts, but they weren't
prepared, and so what I'vediscovered is that, even though
he wasn't in my inner circleanymore, we were connected
through our children Because hewas their emergency.
They dropped everything to helphim, I dropped everything to
help them, and so I was watchingthe news and there had been a
(04:23):
hurricane through Houston andthere was an emergency response
team there in a boat with waterand they were minimizing the
damage to the community in adisaster situation.
I thought, man, we need that atthe family level, and so that's
how the idea of this book cameabout, and then I built it for
(04:46):
my own family, and then Istarted using it with my
one-on-one clients, and this isthe piece that they absolutely
can do and feel so much moreconfident about life once they
get it done.
Jacquelyn Jackson (04:57):
So basically, this is not estate planning.
Cindy Arledge (05:00):
No, not at all.
This is basically this is to putan emergency plan in place
because I tell people you canlive through.
It kind of is an estate plan,because if you don't have a will
and you don't have your medicalpower of attorney or your
financial power of attorney inplace and you have a medical
emergency and you becomeincapacitated, no one can make
(05:21):
decisions for you.
True, and so I share stories inseveral of my books about you
can live through a bad estateplan.
I mean, people think, oh, I'mnot going to be here, it won't
matter.
Well, guess what folks?
You actually could just getincapacitated and then come back
and live through it.
And I share in my book a storyof a gentleman that went in for
(05:44):
a simple surgery.
Things didn't go well, ended upin rehab because he just got
that emergency room psychosisand he couldn't even remember
what decade he was in Right.
So his boys became life anddeath decision makers, not
knowing what their dad waswanting, what he wanted right.
Live-in girlfriend claimed shehad power of attorney over the
(06:08):
finances and it was just thishot mess.
Nobody could get into the bankaccounts because his passwords
that he was remembering were adecade old.
And so he finally got well, buthe was 80,000 more in debt than
he needed to be because hewasn't organized.
Jacquelyn Jackson (06:26):
Wow, that organization came from that
actual setup.
Now I want to say this whatattracted me to you and what
you're doing is because I havean estate planning.
We have set up things where Ihave my daughter, my kids, in
place to take care of stuff forus.
But what I didn't have have nowI had an insurance drawer.
Well, I have where all theinsurance.
(06:46):
I told them what our, where, allthe credit cards are, but I'm
gonna be honest, they wenttogether as well as you had
instructed in the book to do,and that's why I think this is
something definitely you allhave to get, because she has a
checklist am I correct thechecklist in?
And she tells you actually howto set up the drawer right and
then actually have what all docsand stuff we need to have in
(07:09):
place.
And I will be honest with you,even with me having to stay
planning, a lot of this wasmissed, and that's why it's so
important that we need to knowwhat we need to do.
So talk to us about everythingthat comes with yours, for what
you have set up for people.
That's different.
Cindy Arledge (07:23):
Well, and you know, comes with yours for what
you have set up for peoplethat's different.
Well, and you know, I do thingsin a simple way, like I want to
really make a huge impact, butI don't want to make it harder
than it needs to be, and so theidea behind this book is just to
organize all your importantdocuments in one place.
Okay, and there's 12, there's12 different sections and
they're easily marked.
You can just put all theinformation in that section.
(07:46):
Well, the challenge is for me Imanage commercial real estate,
so when I get to the asset sideand I've got all these multiple
properties, I need a fireprooffiling cabinet.
You know what I'm saying,because you've got all the it's
a lot of documentation, all theit's a lot of documentation.
So, depending on the complexityof your asset mix and estate,
(08:12):
and you could.
Jacquelyn Jackson (08:12):
You could need more than a drawer.
Cindy Arledge (08:13):
So are you saying like but what you're getting is
getting us started.
Are you getting us started?
Absolutely Just 12, just 12.
And really I do have it all inone drawer.
It's just, it's just all in afireproof filing cabinet because
I like to keep my stuff safe.
So you have these 12 littlecategories, right, and you start
organizing your documents andthen you think through who would
be the person that would cometo help me in an emergency and
(08:33):
you make that list right and youwant to ask people to help you
in ways that's using theirstrengths.
So, for instance, my twodaughters one daughter's super
responsible loves to dochecklists, she's a school
teacher and the other one wouldgive you her heart on her sleeve
and she's going to fluff yourpillow.
(08:55):
Oh, they're right, right.
So the one daughter, the schoolteacher.
She took care of all thebusiness side of the details,
and then the other daughter tookcare more of the maintenance of
dad and making sure he wascomfortable, and so they use
their strengths.
And so when you're thinkingabout who can be the person to
help me, you need to take in.
(09:16):
You know, if you've got a kidwith five kids under the age of
10, she probably can't help youvery much If you try to put on
two more of your children on.
Yeah, exactly, so you reallyhave to think through who can
really help me, and this iswhere you can get creative.
I even have one of the sectionsin the book like if you've ever
stayed at a bed and breakfastor a B&B where you go, stay the
(09:38):
night, they say welcome to ourhouse.
Here's the password for theWi-Fi Take the trash out on
tuesday, watch out for bears.
You know I have you create thatfor your own house exactly.
And so then when if somethingwere to happen doesn't have to
necessarily be bad- right itcould be the birth of a child
and everybody's you know at thehospital.
(09:58):
For that, I mean, it doesn'thave to be bad, but typically it
is.
You want people to be able tocome in and feed Fido and know
what are the commands that Fidoneeds, so you don't keep him
running off the street becausethen you've got mom in the
hospital and Fido's lost.
That's a bad deal right.
And so who can help you?
Maybe a neighbor?
(10:20):
It didn't have to necessarily bea family member.
It could be a trusted person inthe business, and we're not
giving them everything, we'rejust giving only the part.
That you're going to ask themfor.
So you assemble your team andyour mind I write about in the
book, invite them to lunch andbuy them all a copy of my book
(10:40):
so that you can give them a copy, because you want them to do
the same thing, because theiremergency could become your
emergency.
Jacquelyn Jackson (10:48):
Now let me say this not trying to interrupt
, but I want everybody to hear.
Her book is a workbook.
It's basically a workbook, butshe gives you stories and
explanations of why you shoulddo and, guys, it's an easy, easy
, easy read and even witheverything I'm required to do
because some of this stuff I gotdone, following her a lot
quicker than I was expecting todo, but because she had it
(11:10):
organized a supply list and shehad everything set up I was able
to get it done and it took meprobably about, to be honest,
about a couple of weekends tokind of move some stuff around
to do it, but it's done.
But when I showed it to myhusband, who also has a business
, he said the same thing like,wow, everybody needs that.
Which leads to my next questionwhy is this something everybody
(11:33):
doesn't know about?
Why we don't know this when wetalk to people about estate
planning?
Cindy Arledge (11:38):
Well, and again, this is not really necessarily
estate planning, but when youthink about it, this is a whole
nother level of planning.
You sure are Right, and ifyou're working with
entrepreneurs, they're typicallybusy.
They can get 12 things donethat are superhuman.
That would take most.
You know 10 other people, right?
So entrepreneurs are great.
(11:59):
They're go, go, go, go go.
This is not in their wheelhouse, you know going and getting in
your drawer and getting thingsorganized.
And the great news is is theycan delegate that Typically, an
entrepreneur is not married toanother entrepreneur.
Typically, an entrepreneur ismarried to somebody who's very
steady.
They can let that person do it.
(12:20):
You know, one of myentrepreneurs had her secretary
do it for her.
It doesn't have to be you.
Now, there is some pretty, youknow, information in there that
you might not want to have,because I even include a medical
section, right, because youwon't see this anywhere else and
that's why you haven't seen it,because it was just created
(12:41):
last year, and my goal is to andI appreciate being on your show
because my goal is to and Iappreciate being on your show
because my goal is to popularizethis level of planning yes,
ma'am, because this is affectingthe productivity of our country
.
Jacquelyn Jackson (12:55):
It is it truly is, and how do you, how do
you say?
You say that, but how do youcome to that?
Cindy Arledge (13:01):
So if you look at the generations that are living
right now, we have more babyboomers.
Okay, right, we've got.
The baby boomers have wreckedthe world from the day we were
born.
We're going to wreck it on theway in, we're going to wreck it
on the way out, just you know.
And so you've got this largenumber of elderly people that
we've never had before, andwe've got children stuck in the
(13:23):
middle of taking care of theirchildren and now being
responsible for the baby boomers.
And without this planning,you've got they call it
presenteeism.
You've got Betty at workphysically, but she's on the
phone with the nursing hometrying to find a home for her
mom.
That's right.
And then there's absenteeism ofand typically it does fall on
(13:44):
the women.
It may be unfair, but it iswhat it is.
Women will take that role ofbeing the family caregiver, and
so when companies can providethis kind of support to their
ecosystem, they can bringeveryone up and improve the
productivity of their companyand you know, I think when, as
(14:07):
you were speaking, I kind ofthought about you know, our
first time responders.
Jacquelyn Jackson (14:12):
I'm for sure they may have something in place
, but even if you don't, this issomething good, because how
many times we go to work I knowwe don't want to talk about this
, guys, I know we don't but howmany times people have left for
work and didn't come back?
We don't, but how many timespeople have left for work and
didn't come back?
And I think of that on mypolice officers, my first time
responding, my ambulance and myheart always go out to them.
First of all because I realizewhen you walk out that door,
(14:34):
there's no guarantee.
There's no guarantee for any ofus, don't get me wrong, but you
are definitely in the line.
The site of being, you know,something harmful happened to
you.
So I can see with us as abusiness owners, because if I
leave out and come back, nobodyin my home knows how my business
is ran Right.
You know they got.
They know about the state planand stuff.
But I realized as far as howthings are done, like the keys
(14:56):
to the office opening up and whoI I didn't have any of that
together.
So I know for business owners,we hadn't thought about it.
You know your managers andstuff that's in place are your
managers, but this is somethingyou would have to initiate first
and designate.
I think I read when you talkedabout how we need to delegate
that and that's what you'resaying now right, yeah, you can
delegate that.
Cindy Arledge (15:17):
And I actually wrote a fictional story in this
book.
Because number one?
Because number one, it's morefun, and number two, it allows
the reader to go through theprocess without me telling them
what to do.
They're just following alongwith, you know, the couple
(15:37):
that's doing the program and Iactually go through how they
estimate it.
I give people an estimate ofhow long this could take.
Jacquelyn Jackson (15:43):
Yeah, I noticed that it's a long time.
Cindy Arledge (15:46):
I mean, they're like poof.
And so in the book the owner ofthe company gave a cash award
for her managers who wouldcomplete the program.
Oh, wow, and I'm not sayingthat a business owner has to do
that.
But you've got to help youremployees find their why,
whether it's supporting themwith the book and giving them
(16:09):
time to read it at work andgiving them set hours and
encouragement some kind ofencouragement for them to do
that.
But when a business ownerbrings this program into his
employees, those employees aregoing to want to stay there
because they're going to thinkmy boss, my owner of this
company, really cares about meand cares about my whole family.
(16:29):
I'm not just a seat, you know,on the sales.
Jacquelyn Jackson (16:33):
They care about me, Right, and that makes
a difference, that I know whatyou're saying, that I actually
had a client that I talked toabout this.
First of all, he was shockedthere was even one made that was
available, but he thoughtbecause he owns a hospice, and
he said you know, I deal withpeople to deal with people.
That's hurting all the time,but I think it's something great
(16:54):
to have in place that we allknow what their emergency system
is so that we can be there forthem as well as they are for
everybody else.
And that's what he's working onnow.
He said give me a couple ofmonths so I see what you're
saying.
Like I said, it was like when Iheard it and read your book and
so even talking to him andhopefully we get the same
(17:14):
response that business ownershear this, that they will reach
out and you all can reach out toour website and, like I said
which we give you, that at theend of the show tdjequityllcnet,
we will actually have her asone of our partners where you
get in touch with Ms Cindy, okay, where you can link to her and
make an appointment and see whatshe can do to help you getting
this together as well as gettingthe book through Now with all
(17:37):
that said.
Is there anything you think, acall or action you would like to
tell our people?
Cindy Arledge (17:42):
Well, I would like for people to just go to
your website and check it out,because the Sunday that you're
waiting for is the day after youneed it.
Sunday is the day too late, andthis is just a start of
protecting your wealth by beingprepared for the emergency when
(18:05):
it happens, and it is animportant first step that you
can take.
Jacquelyn Jackson (18:11):
At TDJ Equity Funding, we understand the
challenges you face, whetheryou're expanding your business,
investing in real estate orlaunching a startup.
We've got your back.
Our expert team of loan brokersis dedicated to helping you
secure the funding you need,hassle-free.
Imagine a future where yourbusiness thrives, where
(18:32):
opportunities are endless andworking capital has made a great
difference in your business.
Tdj Equity Funding can make ithappen.
Book an appointment with us aseasy as pie Just visit our
website at wwwtdjequityllcnetand take the first step towards
your financial success.
Don't let your dreams gatherdust on the shelf.
Seize the opportunity today.
(18:53):
Visit wwwtdjequityllcnet andschedule your appointment with
TDJ Equity Funding.
Let's turn your dreams intodollars.
Cindy Arledge (19:15):
Welcome to Frameworks Consortium, your
partner for sustainable businesssuccess.
Let's turn your dreams intodollars.
Informed decisions with clarityand confidence.
We develop customized solutionsthat align with your unique
business objectives, fosteringgrowth and resilience in an
ever-changing businessenvironment.
Connect with us today andharness the power of strategic
planning for your business.
Jacquelyn Jackson (19:37):
Now we have a few more questions.
I want to run by before youtake off, because I want to make
sure we go.
First of all, can you tell ushow do we go about getting your
book?
Cindy Arledge (19:44):
Let's do that it's on amazoncomcom, okay, and
it's on kindle virgin, which Ireally don't recommend because
it is a workbook um, but I didwant to make it.
There are some people that areopposed to you know, paper,
paper, but um, the I.
The book is available in printor on kindle and I highly
recommend the print version, theprinter right, which that's
what I got.
I saw the kindle version Ithought, started reading.
The book is available in printor on Kindle and I highly
recommend the print version.
Jacquelyn Jackson (20:05):
The print version right, which that's what
I got.
I saw the Kindle version.
I started reading and I waslike, uh-uh, I need to highlight
and stick and pen andeverything.
So you are correct, definitelyyou guys want to pick this up
yourself from Amazon.
We'll have her link that'sgoing to be set there where you
can actually go there and alsoget her book as well, so we'll
make sure that happens for you.
At the same time, now let's saythis about this book, because
(20:29):
it's so much goes on with thisguy, so I can tell you so much
of it.
But I know one thing that stoodout is how you even had a part,
for if they had animals.
You know, and my top and my guytalked to he has horses and he
looked at everything and so hewas just amazed on it.
So in your opinion and I knowyou've said it already, but we
want to kind of emphasize it whydo you think it's so important
(20:50):
as business owners to have this?
Cindy Arledge (20:53):
Well, because a business owners and their
families are intertwined.
If the business tanks, thenit's not like they have the
security of another job andthey've got, you know, they can
ask for, you know unemployment.
You're a business owner andwhen you can't go to work,
(21:13):
either for yourself or a spouseor a child, then you know,
typically your business incomewill be impacted.
And so to be able to protectyour business you've so to be
able to protect your business,you've got to be able to protect
your family, and it's viceversa, Vice versa.
Jacquelyn Jackson (21:30):
So I know you've given us a lot of
information, but let's just sayjust a question just for now,
simple, of how do a person evenget started about a book?
But how do we get started to do?
Cindy Arledge (21:42):
this In the book I have people identify their why
and make a commitment tothemselves Because if you don't
do those two things, life willget in the way.
I'm so amazed I'll ask peopleand let me just take a step back
Over 50% of business ownersdon't even have a will.
(22:02):
So if you want to get into, Imean I mentioned in the book,
but they're not even legallyprotected, right, and so their
family doesn't even have theright to help them if they're
incapacitated.
There's no right to make amedical decision.
I mean, you're not even in thearena of life without a legal
plan.
So let's just start there.
And so the commitment and thewhy is so important?
(22:28):
Because, also talking about inthe book our brains are biased
against us getting this done.
Yes, Our brains don't want usto do this.
They're like, yeah, see thosedirty dishes in the sink.
Yeah, those are more importantthan getting a wheel, Than
getting a wheel, and you aboutright.
Jacquelyn Jackson (22:44):
Those are more important than getting a
will Than getting a will, andyou about right.
But I know the biggest thingthat shocked me with this, and
probably some other owners canunderstand that I have had
children that turn intoteenagers, that are now young
adults and guess what?
I have no rights over nothingwith them, with less than
writing.
That was the biggest thing Ihad to learn and we need to know
this helps with that correct.
Cindy Arledge (23:05):
Well, I mean it highlights the problem.
I mean.
I'm not an attorney I don'tplay one on TV, but they do need
to see a good attorney.
And the interesting thing abouthaving a conversation with an
18-year-old to say you know, Ineed to get you these documents
is you can actually.
You know, I always ask peoplewhy they don't have their will,
(23:27):
because I'm fascinated by it.
And one young man he's in hisearly 30s has two children.
Because I feel invincible, wow.
And so that feeling ofinvincibility like I'm
invincible gets.
None of us are invincible.
No you know none of us, I meanI'm glad he feels that way and
(23:48):
feel invincible and take care ofyour family right, yes, ma'am
and so um did I answer that?
Jacquelyn Jackson (24:02):
question.
Yes, you did.
You said basically, you'retelling okay, so you're talking
about them as far as being umaware of what you need to have
done, because it affectseverybody basically, and affect
him with his kids and all thatstuff and and, like I said, we
talked about the adults and Ithink I think we missed that
(24:22):
adult side, that our childrenare grown and you, you know, if
they got an apartment bythemselves, like I was proud of
myself that all my children hadtheir own place, until somebody
said which I think was you, doyou have rights to go into their
place?
No, I do not.
I did not know that whensomething happened, they get
sick.
What are you going to do?
Because they're not married andI'm like whoa, that is starting
a whole lot of things.
(24:42):
So what happened is I will pullaway from work to deal with
that and I can see that beingchaos.
You know of having to deal withthat and I guess that's the
beauty of your book is thatyou're trying to tell us to
prevent the chaos.
This is what you need to do.
Cindy Arledge (24:57):
Well, and they're always going to be chaos, but
there's unnecessary chaos, right.
So there's like there's theemergency, unnecessary chaos,
right.
So there's like there's theemergency, but then there's the
emergency of I don't know wherehis key is, I can't get into his
bank account, the doctor won'tspeak to me.
There's that unnecessary stress.
And when we're so stressed out,I tell the story when I was
(25:20):
going through a lot of stuff, Iforgot how to pump gas.
I mean, I went, you know, and Iand I was in a hurry, you know,
it was just a really I wasstressed out.
I had to call the attendant andlike your pump won't work, and
he goes ma'am, you got to dothis.
And then push the button.
Jacquelyn Jackson (25:37):
And you, just it, just I know I've been there
, oh my God, and we have tounderstand that you are correct.
We have a lot of stuff going onand what I like about this and
I'm not saying it's justprice-wise, but I think for what
you pay for this book which isway more than what it is it's
worth you doing it to get a lotof stuff set up for free.
It just takes time is what itis and commitment.
Cindy Arledge (25:57):
And I remember where I was going when we went
down the rabbit hole At 18,.
When you're having this, you'regoing to be amazed at how fast
life goes and we're going to getyou a will.
I know you don't think you needit, but I also want you to
(26:19):
think about if you're my age andyou've got a child that's
turning 18, where do you want tobe and how can I help you get
there?
And that's a good way to lookat it, because it's an uplifting
conversation.
We think we have all the time inthe world and yet we're proven
(26:40):
that we don't every single day.
Every single day, and so it'sit's actually can be turned into
a very meaningful conversationwith that young adult of I see
you and I want you to be, all ofyou that you can be, and it's a
great excuse, uh, at thatmoment, to do that.
And then it's also, like youknow, son, daughter, when you
get married, you're going to getto do this again and it's this
(27:01):
normalization of talking aboutdeath and aging and money that
is passed down from onegeneration, because it's a
conversation we're not havingRight.
So what we normalize in ourfamily is what they will halfway
normalize in their familybecause they're going to marry
somebody else who's got a wholedifferent normal.
We think it's parents raisingour kids, but it's really
(27:22):
grandparents.
Jacquelyn Jackson (27:24):
I believe that Because there's four
grandkids.
Cindy Arledge (27:27):
Because the parents, like I mean, when I
started this process and I gotto thinking about money, what's
my mindset of money?
I realized from my dad it waspower and from my mom it was
love, and I realized I wasconfused.
I was like, well, of courseyou're confused.
Well, then you add that toanother spouse who got two
different messages and nowyou've got four messages that
(27:48):
have never really been naileddown into solid beliefs that you
can pass forward.
So that's even more of thatgenerational family planning
that I do.
That's kind of the more funside.
Jacquelyn Jackson (27:59):
Right, that what we have, but it's also,
like you said, it's the fun side, but it's the side that I see
that we really just don't payattention to, and we need it.
Cindy Arledge (28:07):
We do need it.
We do need it, and it'sinteresting in this world that
we feel so disconnected and wefeel like we can't keep up and
people are like, well, wait, youwant me to do this.
You know, stepping back andslowing down and figuring out
what your priorities are canreally help you get rid of the
(28:28):
things that are no longerimportant.
Letting go of things thataren't important is a very
important skill for a businessowner to learn.
Jacquelyn Jackson (28:36):
And it is a skill.
It is a skill, so I do agreewith you on that and, having
that said Also, you have statedsomething like that in your book
as well, and it's justbasically, guys, we're going to
have to do it.
You got to get out here.
You got to see what's going on.
Come up out of that desk ofworking as a business owner
because that's what we do allthe time Come out of that.
(28:57):
Raise up and see what else isout here to make your life
better, Because one thing aboutthis book and that's again the
reason why we wanted her on thisshow is that we want people to
understand that if you don'ttake care of this, it's not
going to get taken care of andthat's going to wind up
affecting you and your businesslife.
And that's some things I thinkwe don't look at from the
(29:19):
business, how our lives worktogether.
I think you said theyintertwine, Right, so they
shouldn't, but they do.
And if something well, whenchaos happens, you're right,
it's intertwined, it doesn'tmatter.
Cindy Arledge (29:30):
Well, and as an entrepreneur, they're always
looking, they're solution makers.
They don't want to concentrateon the oh, it'll be fine, It'll
be fine, and you know, let'sjust say it takes, you know, 40
hours to do this program.
Jacquelyn Jackson (29:49):
I suspect you'd be saving five times that.
Cindy Arledge (29:50):
You'd save a whole lot of money, you know and
not only someone else having todo it.
You'll save money because youmay just live through it and
have to face the consequences.
Jacquelyn Jackson (30:01):
Right.
So it's basically you sayingit'll save what I call brain
spin.
Cindy Arledge (30:07):
Not only brain spin but money spin.
You know the story I told youthe gentleman in the hospital
because they couldn't find hisstuff, they couldn't find his
insurance policy, so they lethim have treatments that weren't
covered, that they had to payfor out of pocket because they
couldn't find the insurancepolicy.
Oh wow, so I mean I'm talkingsome significant, immediate
(30:29):
impact.
Jacquelyn Jackson (30:29):
With the money, not having something like
this set up.
Yeah Well, it's an easy read.
I recommend my listenersdefinitely look it up, get the
book.
It's worth it and, like I said,I like the fact I actually
ordered three, because I didtake the advice in the book and
so I am giving it to my mom, mysister, because they deal, they
(30:50):
have to help each other.
Something should happen to meand my husband.
So I realized they need thebook, because I thought at first
I was going to get it for mychildren, but I'm like, no, they
don't need the book, they justneed to see my drawer, see what
I'm doing.
But who needed the book was?
You said that the people thatwill be affected by something
happened to me, which would bemy mom, and then my sister
probably helped my mom, or it'dbe my sister and my mom and help
my sister, so both of them needthe book, right, and so we see
(31:14):
that it didn't took off.
It's something I think a lot ofus, as business owners, don't
realize until, like you said, ithappened, and then it's going
to be too late.
Cindy Arledge (31:22):
Well, my goal is I'm not asking to save the world
save your family, exactly, andsave the people that are showing
up at your business, and thenlet them, because your mom and
your sister need to put onetogether, because if they don't
have it, then you have to gohelp them, right?
Well, the hours that they couldhave spent in.
Well, now, they may take youfive hours to go do something
(31:45):
that could have taken you 10minutes had they done this
program Exactly.
Jacquelyn Jackson (31:50):
Because you said have a drawer and a binder.
Cindy Arledge (31:53):
Is it a binder?
I did mine in a binder or Ialso have it backed up digitally
so I can get any of myinformation at any time from my
phone.
And one of the things that wejust kind of glanced over is
having the medical drugs andhistory accessible to people
that would be making decisionsfor you is critical.
It could save a life.
(32:14):
I tell the story of being inthe hospital and this woman is
in the hallway crying and thedoctor's like what medicine is
your mom on?
And she's like a blood pressuremedicine.
She kind of knew what themedicines did but she didn't
know what they were, and so nowthe doctor may not be able to
(32:36):
treat the mother, because ifshe's on a blood thinner then
they can't do surgery.
So this is life-saving stuff.
Jacquelyn Jackson (32:44):
It is.
So now we're talking aboutbrain spin saving, money saving
and just time saving, andlife-saving, and life-saving and
life-saving Is what that wouldbe.
Okay.
Well, I think that was great.
We'll get ready to wrapeverything up, but I do want to
see if there's anything elsethat you would like to say to
our listeners before we closethis episode out.
Cindy Arledge (33:04):
Well, jackie, I just want to say, if not now,
then when I mean it starts todayand peace of mind, do it now,
because there's nothing today.
And peace of mind, do it nowbecause there's nothing like the
peace of mind that comes fromgetting this done Exactly.
Jacquelyn Jackson (33:22):
So I totally agree with you.
So let's go over our talks tomake sure our takeaway guys that
we had, let's make sure we'redoing that I want to do right by
you guys I do.
Okay, so all our takeaways arekind of stood out to me.
She's actually we want to thankyou first of all for coming to
our show.
We have definitely sent out inGeorgia and definitely want you
(33:44):
to come back because you bringsomething that I think all of us
, as business owners,entrepreneurs, need to be aware
of.
So we definitely want to bringyou back on to our show.
Okay, thank you so much forcoming.
Cindy Arledge (33:53):
If y'all could know, we would be hugging each
other.
We will do that later.
Jacquelyn Jackson (33:56):
Okay, so, but what I want to say to you guys
is this that, on this takeaway,that was so important and I
thank Ms Cindy for actuallybeing here and the love that she
put into this book but it'sjust for us to know as owners
and so as business owners, so Iwant you all to take that with
you to definitely look into herbook.
The name of the book you allguys can see it here is the
(34:18):
Family Emergency Handbook.
Ok, is three steps to protectyour health, wealth and loved
ones?
Ok, by Cindy Arledge.
All right, so again, we want tothank you guys.
If you like what you have heardtoday, we ask that you actually
go to our Web site.
Want to thank you guys If youlike what you have heard today.
We ask that you actually go toour website, wwwtdjequityllcnet.
(34:38):
Forward slash podcast, whereyou can actually see some of the
other podcasts that we have.
But you also can go to our siteand actually reach the
resources and our partners isthere for you too.
So want to thank you all forbeing here and you guys take
care.
Intro (34:53):
We hope you enjoyed this episode of TDJ Equity Funding
Insiders Podcast.
If you'd like to be a guest orget in touch with us, please
visit our website attdjequityllcnet, forward slash
podcast or email us at podcastat tdjequityfundinginsidersnet.
Until next time, take care.
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