August 13, 2025 • 40 mins
Real wealth isn’t “more money”—it’s margin, mission, and the freedom to answer God’s call.
Financial planner and author Chad Hufford joins Chad Potts to unpack true wealth: faith, family, fitness, and finance working together. We talk stewardship vs. striving, building margin, practicing gratitude and generosity, and why more money can’t fix poor habits.
Chad also shares the near-death experience that changed his life, why discipline beats motivation, and how to aim your money at God’s purpose so you can live with freedom and impact.
Abundance vs. more: Money is a tool, not the target. Aim it at God’s purpose.
Four pillars: Faith, family, fitness, finance—build them together, not in silos.
Margin matters: Leave the edges of your field (Leviticus 19) in time, budget, and energy.
Gratitude & generosity: Treat both as daily practices, not feelings.
Discipline > motivation: Do the right things consistently, even when you don’t feel like it.
Stop doubling down: You can’t fix poor stewardship with more income.
True wealth: Freedom from debt and dependence on a paycheck so you can say yes to God’s call.
Resources Mentioned:
Crown Financial (Larry Burkett) vs Financial Peace University (Dave Ramsey)
Book: Simple Wealth, Inevitable Wealth by Nick Murray
Scripture: John 10:10; Leviticus 19:9–10; Psalm 139:13–16
Chad Hufford’s book: Forging Financial Freedom (Amazon)
To connect with Chad Hufford, visit: https://www.veritasalaska.com/team-member/chad-hufford
To connect with Chad Potts (host):
www.manalivecoaching.com
or email: chad@manalivecoaching.com
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:11):
Hey friends, and welcome back tothe Rev RX Podcast where we show
you how to thrive in fate, family, and health.
My name is Chad Potts and I'm your host.
Today's episode is one of my favorite conversations I've had
with a fellow Chad. You're going to meet today, Chad
Hufford. He is a financial planner.
He's an author. He's a survivor of a near death
(00:32):
experience, and you're going to learn so much from him.
We're going to talk about livingon borrowed time and how to aim
your money at God's purpose. This one is practical, it's
challenging, and it's full of hope.
And so I introduced you, my friend, Chad Hufford.
Chad, brother, thank you so muchfor joining us today on the
(00:52):
show. What a privilege it is to have
you here. It's an honor to be here, Chad.
Thank you for the opportunity totalk to you, you and your
audience and hopefully leave them some encouragement and
intentionality in living a life of more abundance.
Love it man. You and I are a lot aligned.
Then I'd love for you just to kind of tell us a little bit of
your background just so we can understand where you come from.
Help us to get to know you a little bit better.
(01:13):
I know that you're in sunny Alaska right now, born and
raised, and love to hear a little bit about that as well.
Yeah, born and raised in Alaska,My wife as well, so both have a
lot of family up here. I know that you spoke to my
brother a little bit. He lives just outside of
Anchorage, about an hour away from us.
But no, it's amazing place to live.
It has its shortcomings for sure.
(01:33):
The winters get a little bit long, but we're coming out of
it. It's it's trying to be summer up
here. It's struggling, but the snow's
gone, so that's good. But yeah, I, my background a
little bit, I, I grew up in, in the financial world a little
bit. My dad was, he did some
insurance stuff and some annuities and did some financial
(01:53):
advising and eventually kind of built this practice that became
more and more financial planning.
But what I really saw growing upso long before Dave Ramsey,
there was a guy named Larry Burkett.
Chad, do you remember that name?See Crown.
Crown Financial Yep. So Financial Peace University,
which is Dave Ramsey's program that is more of a financial
(02:14):
class with biblical principles. Crown Financial is more of a
Bible study pointing towards financial principles.
Yes, so much, much more in depthin the scripture.
And anyways, my dad used to teach that and my mom helped as
well. But my dad did that in our
church, our community. And what I saw, Chad, is how
finances have such a ripple effect into every area of
(02:36):
people's lives. And when people are frustrated
and in fear and misuse finances that has that bleeds into every
area that stress increases in relationships, discipline ebbs
away in in people's health. And but the flip side of that is
also true when when people are good stewards of God's money, it
(02:58):
has a ripple effect into other areas of stewardship like their
health, like their family, even businesses.
And when I saw is when people started stewarding money, when
they started getting money aligned with their long term
goals and God's purpose for their life, the other areas,
their life started to fall into place.
I love that. I saw my dad helping people
change their lives, not just their finances, yeah, but change
(03:20):
the trajectory of their life through finances and thought,
what an amazing thing. I didn't think that was going to
be my pathway. We talked a little bit offline.
My background in biochemistry, medicine was going to be my way
of doing that. But God redirected me.
And I've always had a heart, I think, for helping people live
the better version themselves, living a more abundant life,
(03:43):
living with with more freedom and impact.
And I thought medicine was goingto be the way I was going to
accomplish that. And God's like, no, you're going
to start with, you're going to pick up where your dad left off.
And here we are. That's really cool.
I resonated with that in a lot of different ways.
One of which I'll say I also thought that medical school
(04:03):
medicine was going to be my route.
I started out pre premed in my undergrad work and God showed me
a couple things number for one, I don't love touching people,
you know, blood and secretions and all of that.
Not a huge fan. And as I began to learn that I'm
like, all right, well, maybe that's not my thing.
But another thing was the work life balance.
And I think that was a big part of your decision making as well.
(04:24):
Just realizing that man, you're just not with your family a lot
in a lot of these physician oriented jobs and I wanted to be
very present with both my spouseand my kids and that kind of
thing. So, you know, you really begin
making some of those decisions early on about well-being and
about abundance, right? I did.
And I'll tell you this, Chad, I was not just planning to be a
(04:45):
workaholic. I was looking forward to it.
Yeah. People were telling me about
residency and I was like, giddy up.
I know it's going to be awful and I'm ready for it.
I just, I, I was all at, I, everything was falling into
place. I had, I had medical school
professors writing the letters of recommendation to other
(05:06):
medical schools. And I, I just thought like, this
is like, it's just all working out.
And then I met the woman who is now my wife and mother of my, my
6 kids. I almost had five.
And sometimes I forget numbers are hard.
That last one kind of just slipsin.
Yeah, You know, it's like, wheredid you come from?
Six kids, we're getting ready toto celebrate our 20th
anniversary also for this fall. But she had a very different
(05:29):
background than I did and very rough.
And what I realized is she wanted a family.
She wanted a husband. She wanted to raise kids and
especially the early years of a physician's life.
And I was interested in surgery particularly there's.
Yeah, you don't have any control.
You are you're at the beck and call of somebody else's
(05:50):
schedule. And, and I was like, I don't
know if this is quite right. And I actually had two surgeons
in particular that kind of mentored me through this
process. And both of them told me
separately in different ways, letting me know that you're such
as you're going to be huge risk of a terrible work life balance
and you're going to enjoy the medicine part, so much of it.
You enjoy the surgery part of itthat you're not even going to
(06:12):
notice that's happening. You're going to feel like
everything is going great and your family is going to suffer.
And so these guys didn't even know each other.
Completely separate conversations.
They spoke into my life. And what it really came down to,
Chad, is I wanted to make an impact.
I wanted to make a difference. I wanted people to show up in
life differently than they had before, to have more freedom.
(06:34):
But I didn't want to do it. The sacrifice of my own family.
And I also really like the idea of of owning a business one day
rather than having a job that owned me.
And I realized the early on the job was going to own me.
And again, I was OK with that until I met met my wife.
But looking back at my child andI saw the work life balance my
dad had, the intentionality he had around being with us kids
(06:56):
and not just being there, but actually being present and being
involved. And I thought, this is a job
where I can impact a lot of lives and still be a a great
father and a great husband and the rest is history.
So it was a it was a very pivotal moment.
I can remember on a plane to a wedding, reading a book that
(07:16):
that changed my perspective. And I thought, just thought this
is the message. It was called simple wealth.
Inevitable Wealth was written bya guy named Nick Murray.
And I was like, this is a message I need to bring into the
world. And I still was was hesitant.
So I chose to kind of take a step back before entering
medical school as I just let thedust settle and ended up being
redirected. And God has blessed that
(07:39):
journey. It's been very hard, but it's
been very, very fulfilling. Yeah, I love seeing the Lord's
leadership in your life through that process and how he spoke to
you in a lot of different ways. And you know, don't discount how
God can speak to you through other people.
I want to say that to our listeners real quick because,
you know, God used the circumstances and God uses his
word. God uses prayer, but He also
(08:00):
uses people to speak truth into your life as well.
You had those couple surgeons when I was dealing with the call
in the ministry right after I graduated pharmacy school.
I'm like, God, you got the wrongguy.
You know, I'm $150,000 in student loan debt, can't make
that happen. But he used a couple people to
speak life into me and show me how how things can work out.
And I just want to praise the Lord for what He's doing in your
life because you are making an impact and people are coming
(08:23):
away and showing up better in life because of the work you're
doing. And it may look different than
how you originally thought, but yet your faithfulness and your
obedience shows because the impact is still there.
Well, what's interesting about that too, is one of these
surgeons that I just spoke aboutin a separate conversation, he
was talking about the frustrations of his job and he
said the things that he said talking to me.
(08:46):
He said, one of the things Chad,that that you will struggle with
is you can, you can put people back together again on the
table, but you have very little influence in their life.
And what happens after that. And you're going to find
self-destructive people who, youknow, whether it's a drunk
driving incident or something like that alcohol or drug
(09:08):
related accident where you're just delaying the inevitable.
They, these people are hell benton creating their own demise and
destruction. And you might be able to keep
them alive today, but you cannotchange their life in the future.
He said that he said that's justpart of the job and you're going
to struggle with it because he knew he got to know me really
well And, and that, and that's very true.
(09:30):
And I, we work with a lot of surgeons.
And that's the thing about this too, is that God never took the,
the, the love for the human bodyand medicine and for
biochemically the Physiology, like he never, he never took my
fascination with those things away.
In fact, I still, I, I nerd out with some of our clients who
(09:52):
are, you know, neurologists and endocrinologists and things like
that. And like, hey, here's this
research paper you should read. And so God never took that away.
But what I do now, actually, I think I probably have a bigger
impact in people's lives becauseit's long term.
It isn't just fix somebody goingback up and send them on their
way. It's it's about a transformation
(10:13):
that happens. We're really, I mean, yes,
technically we're managing money, but really what we're
doing is we're managing futures.We're managing people's behavior
and choices and allowing finances to help them create a
life of more purpose and impact.And these are lifelong
relationships. I mean, I, which I yesterday had
a guy come into the office and it may be the last time I ever
(10:36):
see him because he's dying of cancer.
And I gave him a copy, a signed copy of my book.
And we've known each other a long time.
And as he's getting ready to leave, he's not a believer.
I was like, Dan, I just, I just want to pray with you.
Is that it? Is that OK?
And I told him I was going to pray for him regardless of
whether he wanted to or not, but, but I wanted to pray with
(10:56):
him. And it was just, it's one of
those moments where you're just like you're, you're, you're
walking through life with people.
So he has they told him just weeks to live about a year ago.
So he's already on borrowed time.
And I just realized it was really hard, like watching that
guy walk out, wondering I may never see him again, but having
an opportunity to give him a hugand, and hold him as I talked to
(11:18):
the creator of the universe, asking for, for peace for him
and, and ultimately asking for the, the deliverance of his
soul. And it's just like, man, that's
pretty special. It was hard, but it's, that's,
that's what I get to do on a regular basis.
And the God has put me in a tremendous place where he's
allowed me to, to impact a lot of lives working, working
(11:40):
through me, working in spite of me sometimes.
And I've got a phenomenal team around me And it's just, I can't
believe I get paid to do this. It's awesome.
I love that. And you mentioned borrowed time.
You know what it's like to live on borrowed time, right?
Can you tell us about that storya little bit?
Yeah, I don't know You're going to ask that one, Chad.
I'm already emotional. Sorry I caught you at a bad
(12:00):
time. When I was 19, I was living a
very selfish life. It wasn't if from the outside
looking and you would not have looked at this and thought, Oh
my goodness, you know, Chad is just, he's off the rails.
He's off the deep end. I just, it was very selfish.
I was, in some ways people probably look at me like that
guy's really disciplined and ambitious, but it's all for me.
And I was, I just started schooland just started college.
(12:22):
I, I was taking an atom in Physiology class that I had to
take based on a dare, which is awhole other conversation.
Talk about people speaking into your life.
There was a, there's a guy who was a fighter pilot at the time
who, who questioned without saying these words, basically
was questioning, are you being agood steward of your life?
And he was, he was not a believer, but he just, he saw
(12:44):
that I had potential that was untapped.
And that's a whole other story. But the gist of it is God used a
man to speak into my life that Ineeded very much at that time.
Over 20 years went by because, you know, 911 and the war and
Afghans, all that stuff happened.
He end up going overseas. 20 years goes by and I get a call
(13:05):
from him. He's getting ready to get pinned
as a general and now he's now he's a two star.
And I got an opportunity to tellhim about how so our
conversations impacted the trajectory of my life.
But point of it was he encouraged me to go back to
school and on a dare, on a bet, I went back to school, start
taking anatomy and Physiology and I had a final coming up.
(13:26):
So I stayed home from a family vacation.
I'm still living at home. And so my family's gone.
I come back, it's a Friday night, long day at work, going
to wake up early, start setting for, for finals the next morning
to get my finals on Monday. And the house was cold.
This is in April, so it's Alaska.
You know, it's probably 4050° outside the house is probably
60. It's like this is, you know, not
(13:48):
miserably cold, not going to freeze to death.
But it was late. I'm not going to worry about it.
But I didn't know Chad was the heat exchanger in my house.
It cracked and it had already been spewing out carbon monoxide
all day. And of course, you can't smell
it, you can't taste it. And for listeners who don't know
how carbon oxide works, it basically forces oxygen off your
hemoglobin. So hemoglobin is a protein that
(14:10):
carries oxygen in the blood. The blood doesn't circulate
oxygen on its own. It's an isolated molecule, so it
needs hemoglobin. So you think about a vehicle,
Basically hemoglobin is a vehicle that allows oxygen to
travel through your bloodstream,like what carbon monoxide does.
It hijacks the vehicle. So there's still oxygen, it just
can't be carries. I am being asphyxiated while I
(14:31):
breathe, so I'm breathing in oxygen.
It's just not getting to my tissues.
And as most people know, typically what happens is once
levels get high enough, it's about 500 parts per million.
You go to sleep and then that's it.
You don't wake back up. And I went to sleep and I got up
and I was sick, and I thought itwas like food's poisoned or
something like that. And I proceeded to get sicker
and sicker. And long and short of it is I
(14:52):
was exposed to lethal level levels of carbon dioxide for
about 10 hours and was experiencing symptoms that
should have the level of, of toxicity I was dealing with,
should have been fatal within 30minutes.
And it was all night and I kept getting up, getting sick.
And it was just, it was a horrendous experience.
(15:14):
And I wish I could say that I, that changed me immediately, but
it didn't. I was broken physically, I was
broken mentally and psychologically.
I went from being the best shapeof my life to barely being able
to, to go upstairs, which is, I mean, my body couldn't carry
oxygen. Everything was exhausting.
I had a headache for about two months after that.
And I would, I'll be honest, I was angry with God, Chad.
(15:35):
I thought God had taken everything that I had built in
my life. But at some point I realized,
Chad, you're lucky be alive. Like you're complaining about
your headaches. You're complaining about your
fatigue. I was like you're, I could have
very easily been standing beforeGod giving an account of my life
and I would have very little to show for it.
And that that scared the heck out of me that I was not a good
(15:59):
steward. I, I had been given so much
opportunity, so much blessing. I had been given in many ways, a
life of abundance. I had squandered it.
I was the the the Matthew 25 servant that buried his talents
in the ground. And I I did enough to make me
comfortable no more in the idea of standing before my creator
and making excuses for why I'd squandered what I get.
(16:22):
That was terrifying to me. And I vowed then and there that,
yeah, my life was no, is not my own.
I was I was going to live in theservice of other people and I
was going to serve in the mission in the Kingdom of God.
And yeah, it's slow process, butlife has never been the same
since then. Man, such an incredible story
and thank you for your transparency and your
(16:43):
vulnerability. Sharing that with us.
I didn't mean to catch you off guard with the question.
The pivotal part of my story, I just, I didn't know that you
knew that that was that was 25 years ago last month.
Well, 20. So for for 1/4 of a century, God
has given me borrowed time. I think it was bonus time.
But for 1/4 of a century I've been getting 25 years of extra
(17:04):
days that I did not deserve. Makes you think about life a
little differently for sure. It sure does.
The word that I've heard you say, the phrase I've heard you
say time and time again, and this is, I'd love to dig into
this a little bit, Is the abundant life, a life of
abundance? What you may not know about me
is that one of my favorite verses in all Scripture,
probably my favorite is John 1010, where Jesus says the thief
(17:27):
has come to kill, steal and destroy.
The enemy has come to kill, steal and destroy.
We realize that, but then Jesus says I have come.
So you may have life and have itabundantly.
And the reason I resonate so much with that verse is that I
see men and I, I can say this because I was one of them.
And I don't say this as though I've arrived, but I say this as
though I'm working towards it. But for much of my life,
(17:48):
abundance was was far stretch for what my life looked like.
It was a lot of what you described.
I'm living for myself. On the outside, things look
great, look like you're successful.
It looks like that you're headeddown the right path.
But inside we know that there's more for us.
And that's where I lived a lot of my life.
And when we think about abundantliving all right, and in this
(18:08):
world where we've got the prosperity gospel being preached
in different places, I think sometimes people misread that
and think, OK, well God's going to make me wealthy.
Well, God may make you wealthy, but I think wealth means
something different, doesn't it?And so kind of turning this in a
direction towards what does truewealth look like from Chad
Hufford, who has 1 foot in the financial freedom world, but
(18:31):
then has another foot in the Kingdom of God.
Can you help us understand abundant living and help us
understand what real wealth looks like from the pillars that
you like to teach as part of part of where you are and as
part of your platform? Well, I can just tell you, I
spend a lot of time talking to people who, you know, maybe in
their 30s, their 40s did exactlylike you were saying, Chad.
They, they traded their health and their relationships and
(18:54):
their, their faith, a way to build wealth, to build financial
wealth. And then I meet him in their 50s
and 60s and they're trying to use their wealth to buy back
their health, the relationships.And it doesn't work.
And I believe all of those should be built together.
And in fact, true abundance onlycomes when you you know what
your money is there for. And money is just a tool.
(19:15):
It's it is amoral. It is not immoral, it is amoral.
It is neither good nor bad. It's just a tool.
We already talked about the lifeof a surgeon.
Think of a surgeon holding a scalpel that can save a life.
It can take a life. The scalpel doesn't know and it
doesn't care. And that's what money is.
The problem is in our world, money becomes the objective.
Money becomes what we are chasing.
(19:36):
It becomes the the focus of our attention rather than a tool for
us to wield and steward. And when that happens, it gets
to be very, very destructive. And I think money can be a tool
to use to build a more abundant life.
You have to have those other pillars in place, your faith,
your, your family, your finances.
And without those, then money becomes a very endless empty
(19:58):
cycle. And in fact, I think what gets a
lot of people in trouble is theydouble.
Down on it. So they feel like, OK, I'm
feeling scarcity, I'm feeling anxiety around money, I'm
feeling like my life is out of control.
Whatever. If I hit a certain income level,
if I have a certain amount of money in the bank, if I'm worth,
if my net worth hits $1,000,000,whatever the number is, then
(20:19):
that stuff will start to to feelbetter.
And then they hit the number. They make $200,000 a year or
$500,000 a year. They have a $2,000,000 net
worth, whatever The thing is, and they don't feel it.
They think, OK, it must not be enough and they double down.
So it's like heading in the wrong direction, realizing
you're lost and just pushing theaccelerator harder.
You're going even faster in the wrong direction again.
(20:39):
I mean, I, I help people build financial.
I have nothing against it, right?
Wealth, wealth with a without a purpose is so incredibly
dangerous. Wealth with purpose is life
changing, but but passion, purpose that has to be
integrated with that you cannot build them separately and and I
(21:01):
I believe that that wealth is true abundance is having all the
most important areas of your life marked by excellence and
purpose, and for me those areas are faith, fitness, family and
finance. Man, that's good.
I can listen to you for a man, Ican listen to you talk about
that for hours because I'm, I'm eating that up.
Like that's, that's really something I'm passionate about
(21:22):
too. And a lot of times you're right.
We, we tend to segregate these things.
We tend to, we tend to think, OK, I'm going to, I'm going to
focus on finance because I thinkthat's really where I'm going to
be happy. That's where I'm going to find
fulfillment. But we do it at the expense of
some of those other areas. And how many times have you
seen, like you said, the the guys who come in later on,
they're like, I wish I could buyback time.
I wish I could buy back my family.
(21:43):
I wish I could buy back all of these different things that they
pursued wealth, the head of and it's just sad.
I see that too in my world and particularly when it comes to
health and family, you a lot of times in our pursuit of more,
I'm just going to call it that pursuit of more.
We, we let things go. And when we let things go,
that's where we begin to have problems.
(22:03):
When we pursue wealth at the expense of our family, then
those are, those are the relationships that matter the
most. And a lot of times we, we
neglect those relationships thatmatter the most for networking.
That's going to help us make more money.
But then at the end of the day, those people don't matter.
It's our family. And when we do that without, you
know, let's, let's face it, it'sabout stewardship, right?
You know, that's a biblical principle.
(22:24):
And it becomes, you know, we're supposed to be stewards of our
body. We're supposed to be stewards of
our time. We're supposed to be stewards of
our health and stewards of, yes,our, our finances as well.
And so when we think about that,when we think about living the
abundant life, what are some habits that you have found in
your life personally or that youhelp other people develop that
really help people pull those things together?
(22:45):
Because it's not about the pursuit of one or two or three
of those things. That's about the pursuit of all
of them together, right? Absolutely.
You just brought up so many goodpoints, Chad.
So let me let me try to unpack. You might have to bring me back
to some of what you just said, but it does go back to
stewardship. And too often we again, we, we,
we double down on the money thing.
And if, you know, if $1,000,000 didn't make me happy, then it
(23:07):
must be 2 million. And if 2 million doesn't, it
must be 3. And we, we cannot solve money
problems with more money. I meant any more than you can
solve bad driving with more horsepower.
So I've got a 16 year old daughter.
She just got her license and sheshe had a couple accidents in
(23:27):
the span of a month. I'm not going to fix that
problem. Like, you know, you, you, you
wrecked the Honda. Here's keys to the Corvette.
More horsepower does not fix baddriving, more wealth, more money
does not does not fix poor stewardship.
We have to change inside. And I I think one of the the key
habits you your people talk about gratitude as a, as a, an
(23:49):
attitude. I believe in gratitude as a
practice. I have people say like, well, if
if this didn't happen, I would be more grateful.
Or once this happens, I'll be more grateful.
Gratitude is that's like saying I'll go to the gym once I get
stronger or I'm going to, I'm going to lose weight and then
I'll start running. No, no, no, you do those things
to build that muscle. Gratitude is like a muscle that
(24:10):
you build, Chad. And it starts with practicing
gratitude. And sometimes we have to
practice the discipline before the emotion before the feeling
comes. And if people make gratitude a
regular part of their day, a regular part of their practice.
Or let me just back up a little bit.
Our world gets us to focus on everything we don't have like in
(24:30):
in fact, Amazon and and Apple and some of these companies,
they won't say it quite like this, but they have entire
departments, the entire divisions.
They are their goal is to get you to feel like you need
something you didn't even know existed.
A new app, a new feature, a new product, whatever.
(24:51):
Like you did Chad, you didn't even know this thing existed
until 10 minutes ago and now youneed it.
You got to have Our world is focused on teaching us to look
and see what we don't have to compare ourselves, compare our
average day with somebody else'sbest day on social media to I
remember looking like catalogs and stuff as a kid, you know,
(25:11):
circling stuff with JC Penney's for my birthday or for
Christmas. Like now it's Amazon, you can
scroll. It's endless.
It's it's infinite. The, the lack of the lack of
satisfaction that we have, the, the lack of contentment we have
both in our world, but even inside churches, it's got to be
at an all time high. But when you start, when you
(25:33):
start focusing on what you do have, the blessings that are
already in your life, you're farless focused on what you don't
have. And you're you're far less
likely to chase the horizon of wealth.
Because that's the thing about wealth is it, it's like, it is
like chasing a sunset. It looks awesome.
It can be beautiful, but the goal posts always move.
(25:53):
The harder you chase it, you'll never get there.
There's always going to be somebody that has more that's
wealthier that that seems to be doing.
There's always more, more more. You'll never get enough if money
or wealth is your pursuit. But if you have finite goals
around what money is there for, you know why?
It's in your life and it's in itis the infinite impact of our
(26:15):
life here on earth because I do believe, like the the the quote
in Gladiator, what you do here today on this field will echo
into eternity. Money and stewardship bigger
than money, stewardship in general of of your family, your
health, your your skill set. If you can leverage those for
the Kingdom of God, it has an infinite impact.
That is a a a goal post that might keep moving, but it keeps
(26:40):
pulling you along with it and it's an amazing process rather
than something that leaves you feeling scarcity and frustrated.
Yeah, and that's the Amen to every bit of that.
We especially in a world where there's so much social media
posts that, like you said, compare, it makes it easy to
compare our average day or our behind the scenes to someone
else's highlight reel. You know, like, oh man, that
(27:00):
their house is so nice and theirkids are so put together.
Nobody's posting their bad days.You know, they're, they're
posting the highlight, they're posting the vision of themselves
that they want everybody to see.And so then when we compare that
to our average day, we think, man, look at what I don't have.
And you're exactly right. I'll be, you know, confession
time. I've been on Amazon before.
Like what do I need today? You know, I mean, that's, that's
(27:21):
what they're that's what they want you to do.
And then I'll have to click. I'm like, what if I didn't come
here to need something? I don't need it, but you're
right. You know, there's so many things
that that we could say that we need in our lives that make
ourselves complete. But if we're after that next
thing, we're never going to be satisfied.
We're never going to be fulfilled.
Nothing of this Earth was ever meant to totally fulfill us.
(27:41):
Exactly. Our hearts were our souls, and
our hearts were created with thedesign on purpose, where only
God can fulfill us, where only God can satisfy us.
And if if we try to fill that void in our life with things or
with money or with power or fameor anything, it just it
actually, I think makes people feel more empty.
It does. And and I guess so you so ask
(28:02):
what you know, what can people do?
So one practice is gratitude, the other is generosity.
Again, it's a practice. It's not a feeling.
You start executing generosity on a regular basis, you will
start feeling more generous. So you, you act out of
generosity and then it grows. It grows that those those
feelings, those emotions inside of you, because sometimes you
(28:23):
don't feel generous. You just have to choose to be
generous anyways. And I think those two are very
connected. But those are those are two of
the biggest practices. Every one of us has something
significant to give. And if you if you go back to the
Leviticus 19, I think it's in verse 22, commands are given to
the children of Israel for how they were to harvest their
fields. And the idea was that they
(28:43):
would, they would not harvest the edges of their fields.
And they also wouldn't go back and pick up the the she's of
grain that had fallen. So they would, you know,
whatever 2004 thousand years ago, 54000 years ago, they'd
have farming equipment, you know, and and they're just
they're just very rudimentary technique.
So it wasn't super efficient andshe's a grain would fall, but
(29:07):
they were to leave those on the ground.
And the the passage says for thesojourners and the the widows in
your mitts for those less fortunate.
So here's what the idea was, is you were to produce more than
you were going to consume. Another way of thinking about
that, and this is heretical. In today's world, you're
actually supposed to live withinyour means, which meant that you
(29:27):
allowed for margin around the edges of your field that allowed
other people to benefit from andbe blessed by the work that you
were doing. And we just don't have that
mindset anymore, Chad. And this idea that to leave
marginal life, we, we Max out our credit cards, we Max out our
budgets, we Max out our waist lines, we Max out our calendars,
we Max out everything. And we wonder why God just
(29:48):
doesn't seem to be working very much.
You haven't left any room for God to work.
I don't mean to get too preachy here, but just think about that.
If if people don't remember anything else from this, think
about your life as a field and you, you're gonna reap what you
sow #1 what are you planting your in your field?
You can't plant weeds and expectan olive Grove, you know?
(30:10):
And then, but leave. Leave the edges of your field
for those less fortunate, right?Produce more than you need so
that you can be a blessing to others.
That part of the thing with that, with that verse, again,
Leviticus 19, it's everybody's favorite book of the Bible,
Leviticus, right? There's really good stuff in
there. But if you were, if you owned
that field, you wouldn't necessarily even see how you
(30:33):
were changing people's lives. You had to do it based on faith.
And sometimes you maybe you would, but people would come
after the workers had gone through and and they would glean
those fields and it could be somewhat anonymous.
So you just had to produce in faith and allow that generosity
to impact the lives that you might not see.
(30:53):
But having the faith to know that what you did mattered live
within your means by by leaving a margin around your life that
that great good was done for theKingdom of God.
Margin's so important. I love that illustration.
That's extremely practical and easy for us to understand and
easy for us to be able to say, hey, you know, really a helpful
way to think about how well am Istewarding is how well am I
(31:16):
leaving margins in my life. And the challenge that you gave
us, you know, if you want to think about, you know, about
your life as a cornfield, you know, whatever field, whatever
field you've got, I've got a cornfield next door.
So it's for me, it's a cornfield.
Yeah. How how well are you leaving
those margins? How well are you living within
your means? And that doesn't just apply to
money. It doesn't, it doesn't.
And I mean from a, from a strictly money standpoint,
(31:38):
people ask me like, what is the number one secret to, to
building, well, to building financial independence?
And I said, well, it's not secret and you're not gonna like
this answer. And I'm like, well, what it it's
living with it within your means.
Yeah, it's it's having an ego that is less than your income
because it doesn't matter how good your investment strategy
is. It doesn't matter what kind of
apps you have, what mutual fundsyou own, how good your, if you
(32:01):
don't live, if you consume everything you bring, there's
nothing there to plant for the future.
And people like, well, that's sosimple.
I already know that nobody does it.
Yeah, you might know it, but you're.
It's like saying, you know, well, how do I get in better
shape? Well, you have to eat real food
that doesn't come in a package and you have to move an extra.
OK, I know that. But what's the real secret?
(32:22):
No, that's, that's what you haveto do.
There's no pill. But you're right, it goes far
beyond finances. And so often human beings, we
add complexity into relatively simple situations, situations
that are simple but hard, right?Simple does not mean easy, but
we add unnecessary, unnecessary complexity, I think to distance
ourselves from the responsibility of acting, from
(32:44):
doing, like James says, doing the good we know to do.
We add completely like we got tostudy this in figure this out.
And sometimes, sometimes you just got to do the hard thing.
And, and again, it's not just infinances, it's in so many
different areas, but often the right answer is fairly simple,
but it's almost always difficult.
Yeah, I love how you've mixed all of this together.
Today I'd like to kind of draw to an end by asking you about
(33:06):
this. A lot of the things you've
talked about practices, I'm all about practicality.
You know, it's one thing to talkabout the theoretical things,
and those are fun too, but a lotof what we've talked about today
is very practical. And when we think about those
things, one of the things you keep saying is even when you
don't want to, even when you don't feel like it.
So we were talking about gratitude, and I love that.
(33:26):
As a fellow scientist, you couldappreciate that there's
scientific literature out right now that's kind of catching up
with this practice that we all knew was good all along.
But science is now proving it tobe true that people are happier
if they if they institute gratitude as a daily practice.
Well, we knew that. Thank you science for proving
that. And then thinking about
generosity, you may not feel like being generous, but be
(33:48):
generous anyway. The more that you were generous,
the more you will feel like being generous.
I see that in in my areas of life too.
Let's let's talk about the faithworld.
If you only prayed and read yourBible when you felt like it, a
lot of us would not hardly ever do it.
And let's face it, sometimes that happens.
And here's the thing, the more that you read your Bible, the
(34:09):
more you will want to read your Bible.
The more you pray, the more you want to pray.
But the opposite is also true. The less you read your Bible,
the less you want to, The less you pray, the less you want to.
And then that plays out in the physical aspect of life too, in
the health perspective. You know, you don't always feel
like working out, but some of the best workouts that I've ever
had were when I didn't want to work out, but I made myself get
(34:30):
up because I knew that was something that I needed to do to
become my best self. Same thing with our nutrition.
So can you, can you kind of tie a bow on all that for us as we
kind of finished our time together and, and talk about
with the idea of what is real wealth as it comes down to doing
these things every day? It's it's not about these
grandiose moments most of the time.
(34:50):
I think a lot of times we think,well, true wealth is going to
come when I can accomplish XYZ. But a lot of times, true wealth
is found in those small everydaymoments, right?
That's a lot to try to wrap up. Let me.
I know, I'm sorry. No, no, no.
I. Gave you a loaded one.
No, that's that's good. That's good.
Now don't be sorry. Those are great questions.
True wealth is having the freedom and flexibility to live
(35:11):
life, live life on your terms and to not be tied down by debt,
to not need a paycheck, to have enough income coming in outside
of your paycheck to live comfortably, to be able to
answer God's call and to step into the meaningful purpose and
passion that you were created for.
And what does that look like on a day-to-day basis?
(35:31):
And that's The thing is, even ifyou're not there, you can just
to what you said, Chad, you can experience P set everyday.
So maybe maybe something you were called to do doesn't have a
lot of money attached to it. So you got to do that in the
margins of your life. Right now we're talking about
the reason for having margin. But maybe someday that could be
a full time ministry because youdon't need your paycheck
(35:53):
anymore, right? But for the moment, maybe it's
at nights or on weekends or in the early morning hours.
You can you can still develop those skill sets and those
strengths. You can develop that calling
even while you still have a nineto five.
I am blessed that a lot of my calling I get to do in my 9:00
to 5:00. Not everybody gets to do this,
but even still, there's other areas I've been called in.
(36:14):
They're outside of this and I have to create that margin.
But that's that's what true wealth means to me is is debt
free, owning, owing no man anything and not needing to
collect a paycheck ever again. But also it's being able to
listen and have it, finding stillness to listen to God's
call in my life and that that's hard.
That's a struggle. Like there's so much even if
(36:36):
you're consuming good information, you're reading, you
listen to podcasts like this oneand and listen to to to pastors
and preachers. And but sometimes I think we
just need to still and quiet ourlives and listen to to our soul,
listen to Holy Spirit speak to us through the quietness of our
hearts and finding the direction.
Like what Psalm 139 talks about us being knit together, our
(36:58):
mother's wombs. But what it says, and we hear
those verses a lot, especially on the sanctity of life.
But a couple verses later, it says that those same hands that
that created and crafted us alsocreated our days for us, meaning
that not only were you created for this time, this time that
you're alive and right now todaywas also created for you.
That's super powerful. But what do is it that I need to
(37:19):
do in that time? And, and going back to what you
first started with your question, like doing the hard
thing, doing things we don't want to.
I think we are too reliant on motivation.
We want emotions to lead our actions.
That's usually, often times destructive.
But it very often doesn't work because motivation is is fickle.
Motivation comes and goes. If you rely on motivation to do
(37:40):
what you need to do, you'll be very inconsistent.
And people who make impact in this world, like you said, Chad,
they don't do the great grandiose things all the time.
They do consistently what most people only do occasionally.
That's what makes a big difference.
So we need to allow our actions to drive our emotions.
Let let your actions lead motivation will eventually.
(38:01):
Keep up. Yeah, discipline comes to mind,
Absolutely. And and I want to kind of pull
it together with this. Feel like Lord just gave me
this. So when we think about it,
what's holding you back from becoming the man or woman God
created you to be? Debt can be one of those things.
Financial insecurity can be one of those things.
Health can be one of those things.
(38:22):
Faith can be one of those things.
Whatever it is, I want to encourage you.
I think Chad would agree, to find out what that is, is
holding you back and attack it every day.
And I think through your obedience and Chad, you've been
a good example of this throughout your life through
your obedience to God. You may not understand the big
picture, but he gives us the next step.
A lot of times through that stepof obedience, we are being
(38:42):
changed and transformed into more Christlikeness and into the
men and women he called us to be.
So Amen, Chad. Thank you brother.
Man, you are wealth of knowledge, no pun intended, and
just so transparent, so honest with us, and I appreciate every
bit of that. You've got a book.
I'd love for you to tell our listeners about that, where they
can find that and where they canenter into your world if they
want to know more about you and what you do.
(39:03):
Book is forging financial freedom.
It's available on Amazon. It's easiest way to get it and
it really is about mindsets. I mean, it's not a faith book.
Everything out of there, though,is principles coming out of a
lot of it coming out of Proverbs, but their character,
they're the character quality isnecessary and the mindsets
(39:23):
necessary to to build a life of abundance and build financial
independence. Nice.
But it's again, it's characters.It's who you are, not
necessarily what you know. It's what you do more than what
you know. I mean, it's really hard to act
right consistently if you're notthinking right.
So that's what the book was designed to do, is help shape
the mindset perspective of people so they can pursue a life
(39:46):
of abundance. Awesome.
Thank you brother, this has beena privilege and pray blessings
for you and your family and man.We'll we may have to do this
again. This has been fun.
I would love to. The honor is mine and it's been
a privilege to be here. Thanks, Chad.
Appreciate you. Thank you.
Thank you for listening to the Rev RX Podcast.
We hope you enjoyed what you heard today, and if so, we'd
(40:06):
love it if you would hit that subscribe button so that you'll
never miss a new episode from us.
Also, feel free to leave us reviews and comments as we'd
love to hear from you. Be blessed and be the very best
you.
Hey friends, and welcome back tothe Rev RX Podcast where we show
you how to thrive in fate, family, and health.
My name is Chad Potts and I'm your host.
Today's episode is one of my favorite conversations I've had
with a fellow Chad. You're going to meet today, Chad
Hufford. He is a financial planner.
He's an author. He's a survivor of a near death
(00:32):
experience, and you're going to learn so much from him.
We're going to talk about livingon borrowed time and how to aim
your money at God's purpose. This one is practical, it's
challenging, and it's full of hope.
And so I introduced you, my friend, Chad Hufford.
Chad, brother, thank you so muchfor joining us today on the
(00:52):
show. What a privilege it is to have
you here. It's an honor to be here, Chad.
Thank you for the opportunity totalk to you, you and your
audience and hopefully leave them some encouragement and
intentionality in living a life of more abundance.
Love it man. You and I are a lot aligned.
Then I'd love for you just to kind of tell us a little bit of
your background just so we can understand where you come from.
Help us to get to know you a little bit better.
(01:13):
I know that you're in sunny Alaska right now, born and
raised, and love to hear a little bit about that as well.
Yeah, born and raised in Alaska,My wife as well, so both have a
lot of family up here. I know that you spoke to my
brother a little bit. He lives just outside of
Anchorage, about an hour away from us.
But no, it's amazing place to live.
It has its shortcomings for sure.
(01:33):
The winters get a little bit long, but we're coming out of
it. It's it's trying to be summer up
here. It's struggling, but the snow's
gone, so that's good. But yeah, I, my background a
little bit, I, I grew up in, in the financial world a little
bit. My dad was, he did some
insurance stuff and some annuities and did some financial
(01:53):
advising and eventually kind of built this practice that became
more and more financial planning.
But what I really saw growing upso long before Dave Ramsey,
there was a guy named Larry Burkett.
Chad, do you remember that name?See Crown.
Crown Financial Yep. So Financial Peace University,
which is Dave Ramsey's program that is more of a financial
(02:14):
class with biblical principles. Crown Financial is more of a
Bible study pointing towards financial principles.
Yes, so much, much more in depthin the scripture.
And anyways, my dad used to teach that and my mom helped as
well. But my dad did that in our
church, our community. And what I saw, Chad, is how
finances have such a ripple effect into every area of
(02:36):
people's lives. And when people are frustrated
and in fear and misuse finances that has that bleeds into every
area that stress increases in relationships, discipline ebbs
away in in people's health. And but the flip side of that is
also true when when people are good stewards of God's money, it
(02:58):
has a ripple effect into other areas of stewardship like their
health, like their family, even businesses.
And when I saw is when people started stewarding money, when
they started getting money aligned with their long term
goals and God's purpose for their life, the other areas,
their life started to fall into place.
I love that. I saw my dad helping people
change their lives, not just their finances, yeah, but change
(03:20):
the trajectory of their life through finances and thought,
what an amazing thing. I didn't think that was going to
be my pathway. We talked a little bit offline.
My background in biochemistry, medicine was going to be my way
of doing that. But God redirected me.
And I've always had a heart, I think, for helping people live
the better version themselves, living a more abundant life,
(03:43):
living with with more freedom and impact.
And I thought medicine was goingto be the way I was going to
accomplish that. And God's like, no, you're going
to start with, you're going to pick up where your dad left off.
And here we are. That's really cool.
I resonated with that in a lot of different ways.
One of which I'll say I also thought that medical school
(04:03):
medicine was going to be my route.
I started out pre premed in my undergrad work and God showed me
a couple things number for one, I don't love touching people,
you know, blood and secretions and all of that.
Not a huge fan. And as I began to learn that I'm
like, all right, well, maybe that's not my thing.
But another thing was the work life balance.
And I think that was a big part of your decision making as well.
(04:24):
Just realizing that man, you're just not with your family a lot
in a lot of these physician oriented jobs and I wanted to be
very present with both my spouseand my kids and that kind of
thing. So, you know, you really begin
making some of those decisions early on about well-being and
about abundance, right? I did.
And I'll tell you this, Chad, I was not just planning to be a
(04:45):
workaholic. I was looking forward to it.
Yeah. People were telling me about
residency and I was like, giddy up.
I know it's going to be awful and I'm ready for it.
I just, I, I was all at, I, everything was falling into
place. I had, I had medical school
professors writing the letters of recommendation to other
(05:06):
medical schools. And I, I just thought like, this
is like, it's just all working out.
And then I met the woman who is now my wife and mother of my, my
6 kids. I almost had five.
And sometimes I forget numbers are hard.
That last one kind of just slipsin.
Yeah, You know, it's like, wheredid you come from?
Six kids, we're getting ready toto celebrate our 20th
anniversary also for this fall. But she had a very different
(05:29):
background than I did and very rough.
And what I realized is she wanted a family.
She wanted a husband. She wanted to raise kids and
especially the early years of a physician's life.
And I was interested in surgery particularly there's.
Yeah, you don't have any control.
You are you're at the beck and call of somebody else's
(05:50):
schedule. And, and I was like, I don't
know if this is quite right. And I actually had two surgeons
in particular that kind of mentored me through this
process. And both of them told me
separately in different ways, letting me know that you're such
as you're going to be huge risk of a terrible work life balance
and you're going to enjoy the medicine part, so much of it.
You enjoy the surgery part of itthat you're not even going to
(06:12):
notice that's happening. You're going to feel like
everything is going great and your family is going to suffer.
And so these guys didn't even know each other.
Completely separate conversations.
They spoke into my life. And what it really came down to,
Chad, is I wanted to make an impact.
I wanted to make a difference. I wanted people to show up in
life differently than they had before, to have more freedom.
(06:34):
But I didn't want to do it. The sacrifice of my own family.
And I also really like the idea of of owning a business one day
rather than having a job that owned me.
And I realized the early on the job was going to own me.
And again, I was OK with that until I met met my wife.
But looking back at my child andI saw the work life balance my
dad had, the intentionality he had around being with us kids
(06:56):
and not just being there, but actually being present and being
involved. And I thought, this is a job
where I can impact a lot of lives and still be a a great
father and a great husband and the rest is history.
So it was a it was a very pivotal moment.
I can remember on a plane to a wedding, reading a book that
(07:16):
that changed my perspective. And I thought, just thought this
is the message. It was called simple wealth.
Inevitable Wealth was written bya guy named Nick Murray.
And I was like, this is a message I need to bring into the
world. And I still was was hesitant.
So I chose to kind of take a step back before entering
medical school as I just let thedust settle and ended up being
redirected. And God has blessed that
(07:39):
journey. It's been very hard, but it's
been very, very fulfilling. Yeah, I love seeing the Lord's
leadership in your life through that process and how he spoke to
you in a lot of different ways. And you know, don't discount how
God can speak to you through other people.
I want to say that to our listeners real quick because,
you know, God used the circumstances and God uses his
word. God uses prayer, but He also
(08:00):
uses people to speak truth into your life as well.
You had those couple surgeons when I was dealing with the call
in the ministry right after I graduated pharmacy school.
I'm like, God, you got the wrongguy.
You know, I'm $150,000 in student loan debt, can't make
that happen. But he used a couple people to
speak life into me and show me how how things can work out.
And I just want to praise the Lord for what He's doing in your
life because you are making an impact and people are coming
(08:23):
away and showing up better in life because of the work you're
doing. And it may look different than
how you originally thought, but yet your faithfulness and your
obedience shows because the impact is still there.
Well, what's interesting about that too, is one of these
surgeons that I just spoke aboutin a separate conversation, he
was talking about the frustrations of his job and he
said the things that he said talking to me.
(08:46):
He said, one of the things Chad,that that you will struggle with
is you can, you can put people back together again on the
table, but you have very little influence in their life.
And what happens after that. And you're going to find
self-destructive people who, youknow, whether it's a drunk
driving incident or something like that alcohol or drug
(09:08):
related accident where you're just delaying the inevitable.
They, these people are hell benton creating their own demise and
destruction. And you might be able to keep
them alive today, but you cannotchange their life in the future.
He said that he said that's justpart of the job and you're going
to struggle with it because he knew he got to know me really
well And, and that, and that's very true.
(09:30):
And I, we work with a lot of surgeons.
And that's the thing about this too, is that God never took the,
the, the love for the human bodyand medicine and for
biochemically the Physiology, like he never, he never took my
fascination with those things away.
In fact, I still, I, I nerd out with some of our clients who
(09:52):
are, you know, neurologists and endocrinologists and things like
that. And like, hey, here's this
research paper you should read. And so God never took that away.
But what I do now, actually, I think I probably have a bigger
impact in people's lives becauseit's long term.
It isn't just fix somebody goingback up and send them on their
way. It's it's about a transformation
(10:13):
that happens. We're really, I mean, yes,
technically we're managing money, but really what we're
doing is we're managing futures.We're managing people's behavior
and choices and allowing finances to help them create a
life of more purpose and impact.And these are lifelong
relationships. I mean, I, which I yesterday had
a guy come into the office and it may be the last time I ever
(10:36):
see him because he's dying of cancer.
And I gave him a copy, a signed copy of my book.
And we've known each other a long time.
And as he's getting ready to leave, he's not a believer.
I was like, Dan, I just, I just want to pray with you.
Is that it? Is that OK?
And I told him I was going to pray for him regardless of
whether he wanted to or not, but, but I wanted to pray with
(10:56):
him. And it was just, it's one of
those moments where you're just like you're, you're, you're
walking through life with people.
So he has they told him just weeks to live about a year ago.
So he's already on borrowed time.
And I just realized it was really hard, like watching that
guy walk out, wondering I may never see him again, but having
an opportunity to give him a hugand, and hold him as I talked to
(11:18):
the creator of the universe, asking for, for peace for him
and, and ultimately asking for the, the deliverance of his
soul. And it's just like, man, that's
pretty special. It was hard, but it's, that's,
that's what I get to do on a regular basis.
And the God has put me in a tremendous place where he's
allowed me to, to impact a lot of lives working, working
(11:40):
through me, working in spite of me sometimes.
And I've got a phenomenal team around me And it's just, I can't
believe I get paid to do this. It's awesome.
I love that. And you mentioned borrowed time.
You know what it's like to live on borrowed time, right?
Can you tell us about that storya little bit?
Yeah, I don't know You're going to ask that one, Chad.
I'm already emotional. Sorry I caught you at a bad
(12:00):
time. When I was 19, I was living a
very selfish life. It wasn't if from the outside
looking and you would not have looked at this and thought, Oh
my goodness, you know, Chad is just, he's off the rails.
He's off the deep end. I just, it was very selfish.
I was, in some ways people probably look at me like that
guy's really disciplined and ambitious, but it's all for me.
And I was, I just started schooland just started college.
(12:22):
I, I was taking an atom in Physiology class that I had to
take based on a dare, which is awhole other conversation.
Talk about people speaking into your life.
There was a, there's a guy who was a fighter pilot at the time
who, who questioned without saying these words, basically
was questioning, are you being agood steward of your life?
And he was, he was not a believer, but he just, he saw
(12:44):
that I had potential that was untapped.
And that's a whole other story. But the gist of it is God used a
man to speak into my life that Ineeded very much at that time.
Over 20 years went by because, you know, 911 and the war and
Afghans, all that stuff happened.
He end up going overseas. 20 years goes by and I get a call
(13:05):
from him. He's getting ready to get pinned
as a general and now he's now he's a two star.
And I got an opportunity to tellhim about how so our
conversations impacted the trajectory of my life.
But point of it was he encouraged me to go back to
school and on a dare, on a bet, I went back to school, start
taking anatomy and Physiology and I had a final coming up.
(13:26):
So I stayed home from a family vacation.
I'm still living at home. And so my family's gone.
I come back, it's a Friday night, long day at work, going
to wake up early, start setting for, for finals the next morning
to get my finals on Monday. And the house was cold.
This is in April, so it's Alaska.
You know, it's probably 4050° outside the house is probably
60. It's like this is, you know, not
(13:48):
miserably cold, not going to freeze to death.
But it was late. I'm not going to worry about it.
But I didn't know Chad was the heat exchanger in my house.
It cracked and it had already been spewing out carbon monoxide
all day. And of course, you can't smell
it, you can't taste it. And for listeners who don't know
how carbon oxide works, it basically forces oxygen off your
hemoglobin. So hemoglobin is a protein that
(14:10):
carries oxygen in the blood. The blood doesn't circulate
oxygen on its own. It's an isolated molecule, so it
needs hemoglobin. So you think about a vehicle,
Basically hemoglobin is a vehicle that allows oxygen to
travel through your bloodstream,like what carbon monoxide does.
It hijacks the vehicle. So there's still oxygen, it just
can't be carries. I am being asphyxiated while I
(14:31):
breathe, so I'm breathing in oxygen.
It's just not getting to my tissues.
And as most people know, typically what happens is once
levels get high enough, it's about 500 parts per million.
You go to sleep and then that's it.
You don't wake back up. And I went to sleep and I got up
and I was sick, and I thought itwas like food's poisoned or
something like that. And I proceeded to get sicker
and sicker. And long and short of it is I
(14:52):
was exposed to lethal level levels of carbon dioxide for
about 10 hours and was experiencing symptoms that
should have the level of, of toxicity I was dealing with,
should have been fatal within 30minutes.
And it was all night and I kept getting up, getting sick.
And it was just, it was a horrendous experience.
(15:14):
And I wish I could say that I, that changed me immediately, but
it didn't. I was broken physically, I was
broken mentally and psychologically.
I went from being the best shapeof my life to barely being able
to, to go upstairs, which is, I mean, my body couldn't carry
oxygen. Everything was exhausting.
I had a headache for about two months after that.
And I would, I'll be honest, I was angry with God, Chad.
(15:35):
I thought God had taken everything that I had built in
my life. But at some point I realized,
Chad, you're lucky be alive. Like you're complaining about
your headaches. You're complaining about your
fatigue. I was like you're, I could have
very easily been standing beforeGod giving an account of my life
and I would have very little to show for it.
And that that scared the heck out of me that I was not a good
(15:59):
steward. I, I had been given so much
opportunity, so much blessing. I had been given in many ways, a
life of abundance. I had squandered it.
I was the the the Matthew 25 servant that buried his talents
in the ground. And I I did enough to make me
comfortable no more in the idea of standing before my creator
and making excuses for why I'd squandered what I get.
(16:22):
That was terrifying to me. And I vowed then and there that,
yeah, my life was no, is not my own.
I was I was going to live in theservice of other people and I
was going to serve in the mission in the Kingdom of God.
And yeah, it's slow process, butlife has never been the same
since then. Man, such an incredible story
and thank you for your transparency and your
(16:43):
vulnerability. Sharing that with us.
I didn't mean to catch you off guard with the question.
The pivotal part of my story, I just, I didn't know that you
knew that that was that was 25 years ago last month.
Well, 20. So for for 1/4 of a century, God
has given me borrowed time. I think it was bonus time.
But for 1/4 of a century I've been getting 25 years of extra
(17:04):
days that I did not deserve. Makes you think about life a
little differently for sure. It sure does.
The word that I've heard you say, the phrase I've heard you
say time and time again, and this is, I'd love to dig into
this a little bit, Is the abundant life, a life of
abundance? What you may not know about me
is that one of my favorite verses in all Scripture,
probably my favorite is John 1010, where Jesus says the thief
(17:27):
has come to kill, steal and destroy.
The enemy has come to kill, steal and destroy.
We realize that, but then Jesus says I have come.
So you may have life and have itabundantly.
And the reason I resonate so much with that verse is that I
see men and I, I can say this because I was one of them.
And I don't say this as though I've arrived, but I say this as
though I'm working towards it. But for much of my life,
(17:48):
abundance was was far stretch for what my life looked like.
It was a lot of what you described.
I'm living for myself. On the outside, things look
great, look like you're successful.
It looks like that you're headeddown the right path.
But inside we know that there's more for us.
And that's where I lived a lot of my life.
And when we think about abundantliving all right, and in this
(18:08):
world where we've got the prosperity gospel being preached
in different places, I think sometimes people misread that
and think, OK, well God's going to make me wealthy.
Well, God may make you wealthy, but I think wealth means
something different, doesn't it?And so kind of turning this in a
direction towards what does truewealth look like from Chad
Hufford, who has 1 foot in the financial freedom world, but
(18:31):
then has another foot in the Kingdom of God.
Can you help us understand abundant living and help us
understand what real wealth looks like from the pillars that
you like to teach as part of part of where you are and as
part of your platform? Well, I can just tell you, I
spend a lot of time talking to people who, you know, maybe in
their 30s, their 40s did exactlylike you were saying, Chad.
They, they traded their health and their relationships and
(18:54):
their, their faith, a way to build wealth, to build financial
wealth. And then I meet him in their 50s
and 60s and they're trying to use their wealth to buy back
their health, the relationships.And it doesn't work.
And I believe all of those should be built together.
And in fact, true abundance onlycomes when you you know what
your money is there for. And money is just a tool.
(19:15):
It's it is amoral. It is not immoral, it is amoral.
It is neither good nor bad. It's just a tool.
We already talked about the lifeof a surgeon.
Think of a surgeon holding a scalpel that can save a life.
It can take a life. The scalpel doesn't know and it
doesn't care. And that's what money is.
The problem is in our world, money becomes the objective.
Money becomes what we are chasing.
(19:36):
It becomes the the focus of our attention rather than a tool for
us to wield and steward. And when that happens, it gets
to be very, very destructive. And I think money can be a tool
to use to build a more abundant life.
You have to have those other pillars in place, your faith,
your, your family, your finances.
And without those, then money becomes a very endless empty
(19:58):
cycle. And in fact, I think what gets a
lot of people in trouble is theydouble.
Down on it. So they feel like, OK, I'm
feeling scarcity, I'm feeling anxiety around money, I'm
feeling like my life is out of control.
Whatever. If I hit a certain income level,
if I have a certain amount of money in the bank, if I'm worth,
if my net worth hits $1,000,000,whatever the number is, then
(20:19):
that stuff will start to to feelbetter.
And then they hit the number. They make $200,000 a year or
$500,000 a year. They have a $2,000,000 net
worth, whatever The thing is, and they don't feel it.
They think, OK, it must not be enough and they double down.
So it's like heading in the wrong direction, realizing
you're lost and just pushing theaccelerator harder.
You're going even faster in the wrong direction again.
(20:39):
I mean, I, I help people build financial.
I have nothing against it, right?
Wealth, wealth with a without a purpose is so incredibly
dangerous. Wealth with purpose is life
changing, but but passion, purpose that has to be
integrated with that you cannot build them separately and and I
(21:01):
I believe that that wealth is true abundance is having all the
most important areas of your life marked by excellence and
purpose, and for me those areas are faith, fitness, family and
finance. Man, that's good.
I can listen to you for a man, Ican listen to you talk about
that for hours because I'm, I'm eating that up.
Like that's, that's really something I'm passionate about
(21:22):
too. And a lot of times you're right.
We, we tend to segregate these things.
We tend to, we tend to think, OK, I'm going to, I'm going to
focus on finance because I thinkthat's really where I'm going to
be happy. That's where I'm going to find
fulfillment. But we do it at the expense of
some of those other areas. And how many times have you
seen, like you said, the the guys who come in later on,
they're like, I wish I could buyback time.
I wish I could buy back my family.
(21:43):
I wish I could buy back all of these different things that they
pursued wealth, the head of and it's just sad.
I see that too in my world and particularly when it comes to
health and family, you a lot of times in our pursuit of more,
I'm just going to call it that pursuit of more.
We, we let things go. And when we let things go,
that's where we begin to have problems.
(22:03):
When we pursue wealth at the expense of our family, then
those are, those are the relationships that matter the
most. And a lot of times we, we
neglect those relationships thatmatter the most for networking.
That's going to help us make more money.
But then at the end of the day, those people don't matter.
It's our family. And when we do that without, you
know, let's, let's face it, it'sabout stewardship, right?
You know, that's a biblical principle.
(22:24):
And it becomes, you know, we're supposed to be stewards of our
body. We're supposed to be stewards of
our time. We're supposed to be stewards of
our health and stewards of, yes,our, our finances as well.
And so when we think about that,when we think about living the
abundant life, what are some habits that you have found in
your life personally or that youhelp other people develop that
really help people pull those things together?
(22:45):
Because it's not about the pursuit of one or two or three
of those things. That's about the pursuit of all
of them together, right? Absolutely.
You just brought up so many goodpoints, Chad.
So let me let me try to unpack. You might have to bring me back
to some of what you just said, but it does go back to
stewardship. And too often we again, we, we,
we double down on the money thing.
And if, you know, if $1,000,000 didn't make me happy, then it
(23:07):
must be 2 million. And if 2 million doesn't, it
must be 3. And we, we cannot solve money
problems with more money. I meant any more than you can
solve bad driving with more horsepower.
So I've got a 16 year old daughter.
She just got her license and sheshe had a couple accidents in
(23:27):
the span of a month. I'm not going to fix that
problem. Like, you know, you, you, you
wrecked the Honda. Here's keys to the Corvette.
More horsepower does not fix baddriving, more wealth, more money
does not does not fix poor stewardship.
We have to change inside. And I I think one of the the key
habits you your people talk about gratitude as a, as a, an
(23:49):
attitude. I believe in gratitude as a
practice. I have people say like, well, if
if this didn't happen, I would be more grateful.
Or once this happens, I'll be more grateful.
Gratitude is that's like saying I'll go to the gym once I get
stronger or I'm going to, I'm going to lose weight and then
I'll start running. No, no, no, you do those things
to build that muscle. Gratitude is like a muscle that
(24:10):
you build, Chad. And it starts with practicing
gratitude. And sometimes we have to
practice the discipline before the emotion before the feeling
comes. And if people make gratitude a
regular part of their day, a regular part of their practice.
Or let me just back up a little bit.
Our world gets us to focus on everything we don't have like in
(24:30):
in fact, Amazon and and Apple and some of these companies,
they won't say it quite like this, but they have entire
departments, the entire divisions.
They are their goal is to get you to feel like you need
something you didn't even know existed.
A new app, a new feature, a new product, whatever.
(24:51):
Like you did Chad, you didn't even know this thing existed
until 10 minutes ago and now youneed it.
You got to have Our world is focused on teaching us to look
and see what we don't have to compare ourselves, compare our
average day with somebody else'sbest day on social media to I
remember looking like catalogs and stuff as a kid, you know,
(25:11):
circling stuff with JC Penney's for my birthday or for
Christmas. Like now it's Amazon, you can
scroll. It's endless.
It's it's infinite. The, the lack of the lack of
satisfaction that we have, the, the lack of contentment we have
both in our world, but even inside churches, it's got to be
at an all time high. But when you start, when you
(25:33):
start focusing on what you do have, the blessings that are
already in your life, you're farless focused on what you don't
have. And you're you're far less
likely to chase the horizon of wealth.
Because that's the thing about wealth is it, it's like, it is
like chasing a sunset. It looks awesome.
It can be beautiful, but the goal posts always move.
(25:53):
The harder you chase it, you'll never get there.
There's always going to be somebody that has more that's
wealthier that that seems to be doing.
There's always more, more more. You'll never get enough if money
or wealth is your pursuit. But if you have finite goals
around what money is there for, you know why?
It's in your life and it's in itis the infinite impact of our
(26:15):
life here on earth because I do believe, like the the the quote
in Gladiator, what you do here today on this field will echo
into eternity. Money and stewardship bigger
than money, stewardship in general of of your family, your
health, your your skill set. If you can leverage those for
the Kingdom of God, it has an infinite impact.
That is a a a goal post that might keep moving, but it keeps
(26:40):
pulling you along with it and it's an amazing process rather
than something that leaves you feeling scarcity and frustrated.
Yeah, and that's the Amen to every bit of that.
We especially in a world where there's so much social media
posts that, like you said, compare, it makes it easy to
compare our average day or our behind the scenes to someone
else's highlight reel. You know, like, oh man, that
(27:00):
their house is so nice and theirkids are so put together.
Nobody's posting their bad days.You know, they're, they're
posting the highlight, they're posting the vision of themselves
that they want everybody to see.And so then when we compare that
to our average day, we think, man, look at what I don't have.
And you're exactly right. I'll be, you know, confession
time. I've been on Amazon before.
Like what do I need today? You know, I mean, that's, that's
(27:21):
what they're that's what they want you to do.
And then I'll have to click. I'm like, what if I didn't come
here to need something? I don't need it, but you're
right. You know, there's so many things
that that we could say that we need in our lives that make
ourselves complete. But if we're after that next
thing, we're never going to be satisfied.
We're never going to be fulfilled.
Nothing of this Earth was ever meant to totally fulfill us.
(27:41):
Exactly. Our hearts were our souls, and
our hearts were created with thedesign on purpose, where only
God can fulfill us, where only God can satisfy us.
And if if we try to fill that void in our life with things or
with money or with power or fameor anything, it just it
actually, I think makes people feel more empty.
It does. And and I guess so you so ask
(28:02):
what you know, what can people do?
So one practice is gratitude, the other is generosity.
Again, it's a practice. It's not a feeling.
You start executing generosity on a regular basis, you will
start feeling more generous. So you, you act out of
generosity and then it grows. It grows that those those
feelings, those emotions inside of you, because sometimes you
(28:23):
don't feel generous. You just have to choose to be
generous anyways. And I think those two are very
connected. But those are those are two of
the biggest practices. Every one of us has something
significant to give. And if you if you go back to the
Leviticus 19, I think it's in verse 22, commands are given to
the children of Israel for how they were to harvest their
fields. And the idea was that they
(28:43):
would, they would not harvest the edges of their fields.
And they also wouldn't go back and pick up the the she's of
grain that had fallen. So they would, you know,
whatever 2004 thousand years ago, 54000 years ago, they'd
have farming equipment, you know, and and they're just
they're just very rudimentary technique.
So it wasn't super efficient andshe's a grain would fall, but
(29:07):
they were to leave those on the ground.
And the the passage says for thesojourners and the the widows in
your mitts for those less fortunate.
So here's what the idea was, is you were to produce more than
you were going to consume. Another way of thinking about
that, and this is heretical. In today's world, you're
actually supposed to live withinyour means, which meant that you
(29:27):
allowed for margin around the edges of your field that allowed
other people to benefit from andbe blessed by the work that you
were doing. And we just don't have that
mindset anymore, Chad. And this idea that to leave
marginal life, we, we Max out our credit cards, we Max out our
budgets, we Max out our waist lines, we Max out our calendars,
we Max out everything. And we wonder why God just
(29:48):
doesn't seem to be working very much.
You haven't left any room for God to work.
I don't mean to get too preachy here, but just think about that.
If if people don't remember anything else from this, think
about your life as a field and you, you're gonna reap what you
sow #1 what are you planting your in your field?
You can't plant weeds and expectan olive Grove, you know?
(30:10):
And then, but leave. Leave the edges of your field
for those less fortunate, right?Produce more than you need so
that you can be a blessing to others.
That part of the thing with that, with that verse, again,
Leviticus 19, it's everybody's favorite book of the Bible,
Leviticus, right? There's really good stuff in
there. But if you were, if you owned
that field, you wouldn't necessarily even see how you
(30:33):
were changing people's lives. You had to do it based on faith.
And sometimes you maybe you would, but people would come
after the workers had gone through and and they would glean
those fields and it could be somewhat anonymous.
So you just had to produce in faith and allow that generosity
to impact the lives that you might not see.
(30:53):
But having the faith to know that what you did mattered live
within your means by by leaving a margin around your life that
that great good was done for theKingdom of God.
Margin's so important. I love that illustration.
That's extremely practical and easy for us to understand and
easy for us to be able to say, hey, you know, really a helpful
way to think about how well am Istewarding is how well am I
(31:16):
leaving margins in my life. And the challenge that you gave
us, you know, if you want to think about, you know, about
your life as a cornfield, you know, whatever field, whatever
field you've got, I've got a cornfield next door.
So it's for me, it's a cornfield.
Yeah. How how well are you leaving
those margins? How well are you living within
your means? And that doesn't just apply to
money. It doesn't, it doesn't.
And I mean from a, from a strictly money standpoint,
(31:38):
people ask me like, what is the number one secret to, to
building, well, to building financial independence?
And I said, well, it's not secret and you're not gonna like
this answer. And I'm like, well, what it it's
living with it within your means.
Yeah, it's it's having an ego that is less than your income
because it doesn't matter how good your investment strategy
is. It doesn't matter what kind of
apps you have, what mutual fundsyou own, how good your, if you
(32:01):
don't live, if you consume everything you bring, there's
nothing there to plant for the future.
And people like, well, that's sosimple.
I already know that nobody does it.
Yeah, you might know it, but you're.
It's like saying, you know, well, how do I get in better
shape? Well, you have to eat real food
that doesn't come in a package and you have to move an extra.
OK, I know that. But what's the real secret?
(32:22):
No, that's, that's what you haveto do.
There's no pill. But you're right, it goes far
beyond finances. And so often human beings, we
add complexity into relatively simple situations, situations
that are simple but hard, right?Simple does not mean easy, but
we add unnecessary, unnecessary complexity, I think to distance
ourselves from the responsibility of acting, from
(32:44):
doing, like James says, doing the good we know to do.
We add completely like we got tostudy this in figure this out.
And sometimes, sometimes you just got to do the hard thing.
And, and again, it's not just infinances, it's in so many
different areas, but often the right answer is fairly simple,
but it's almost always difficult.
Yeah, I love how you've mixed all of this together.
Today I'd like to kind of draw to an end by asking you about
(33:06):
this. A lot of the things you've
talked about practices, I'm all about practicality.
You know, it's one thing to talkabout the theoretical things,
and those are fun too, but a lotof what we've talked about today
is very practical. And when we think about those
things, one of the things you keep saying is even when you
don't want to, even when you don't feel like it.
So we were talking about gratitude, and I love that.
(33:26):
As a fellow scientist, you couldappreciate that there's
scientific literature out right now that's kind of catching up
with this practice that we all knew was good all along.
But science is now proving it tobe true that people are happier
if they if they institute gratitude as a daily practice.
Well, we knew that. Thank you science for proving
that. And then thinking about
generosity, you may not feel like being generous, but be
(33:48):
generous anyway. The more that you were generous,
the more you will feel like being generous.
I see that in in my areas of life too.
Let's let's talk about the faithworld.
If you only prayed and read yourBible when you felt like it, a
lot of us would not hardly ever do it.
And let's face it, sometimes that happens.
And here's the thing, the more that you read your Bible, the
(34:09):
more you will want to read your Bible.
The more you pray, the more you want to pray.
But the opposite is also true. The less you read your Bible,
the less you want to, The less you pray, the less you want to.
And then that plays out in the physical aspect of life too, in
the health perspective. You know, you don't always feel
like working out, but some of the best workouts that I've ever
had were when I didn't want to work out, but I made myself get
(34:30):
up because I knew that was something that I needed to do to
become my best self. Same thing with our nutrition.
So can you, can you kind of tie a bow on all that for us as we
kind of finished our time together and, and talk about
with the idea of what is real wealth as it comes down to doing
these things every day? It's it's not about these
grandiose moments most of the time.
(34:50):
I think a lot of times we think,well, true wealth is going to
come when I can accomplish XYZ. But a lot of times, true wealth
is found in those small everydaymoments, right?
That's a lot to try to wrap up. Let me.
I know, I'm sorry. No, no, no.
I. Gave you a loaded one.
No, that's that's good. That's good.
Now don't be sorry. Those are great questions.
True wealth is having the freedom and flexibility to live
(35:11):
life, live life on your terms and to not be tied down by debt,
to not need a paycheck, to have enough income coming in outside
of your paycheck to live comfortably, to be able to
answer God's call and to step into the meaningful purpose and
passion that you were created for.
And what does that look like on a day-to-day basis?
(35:31):
And that's The thing is, even ifyou're not there, you can just
to what you said, Chad, you can experience P set everyday.
So maybe maybe something you were called to do doesn't have a
lot of money attached to it. So you got to do that in the
margins of your life. Right now we're talking about
the reason for having margin. But maybe someday that could be
a full time ministry because youdon't need your paycheck
(35:53):
anymore, right? But for the moment, maybe it's
at nights or on weekends or in the early morning hours.
You can you can still develop those skill sets and those
strengths. You can develop that calling
even while you still have a nineto five.
I am blessed that a lot of my calling I get to do in my 9:00
to 5:00. Not everybody gets to do this,
but even still, there's other areas I've been called in.
(36:14):
They're outside of this and I have to create that margin.
But that's that's what true wealth means to me is is debt
free, owning, owing no man anything and not needing to
collect a paycheck ever again. But also it's being able to
listen and have it, finding stillness to listen to God's
call in my life and that that's hard.
That's a struggle. Like there's so much even if
(36:36):
you're consuming good information, you're reading, you
listen to podcasts like this oneand and listen to to to pastors
and preachers. And but sometimes I think we
just need to still and quiet ourlives and listen to to our soul,
listen to Holy Spirit speak to us through the quietness of our
hearts and finding the direction.
Like what Psalm 139 talks about us being knit together, our
(36:58):
mother's wombs. But what it says, and we hear
those verses a lot, especially on the sanctity of life.
But a couple verses later, it says that those same hands that
that created and crafted us alsocreated our days for us, meaning
that not only were you created for this time, this time that
you're alive and right now todaywas also created for you.
That's super powerful. But what do is it that I need to
(37:19):
do in that time? And, and going back to what you
first started with your question, like doing the hard
thing, doing things we don't want to.
I think we are too reliant on motivation.
We want emotions to lead our actions.
That's usually, often times destructive.
But it very often doesn't work because motivation is is fickle.
Motivation comes and goes. If you rely on motivation to do
(37:40):
what you need to do, you'll be very inconsistent.
And people who make impact in this world, like you said, Chad,
they don't do the great grandiose things all the time.
They do consistently what most people only do occasionally.
That's what makes a big difference.
So we need to allow our actions to drive our emotions.
Let let your actions lead motivation will eventually.
(38:01):
Keep up. Yeah, discipline comes to mind,
Absolutely. And and I want to kind of pull
it together with this. Feel like Lord just gave me
this. So when we think about it,
what's holding you back from becoming the man or woman God
created you to be? Debt can be one of those things.
Financial insecurity can be one of those things.
Health can be one of those things.
(38:22):
Faith can be one of those things.
Whatever it is, I want to encourage you.
I think Chad would agree, to find out what that is, is
holding you back and attack it every day.
And I think through your obedience and Chad, you've been
a good example of this throughout your life through
your obedience to God. You may not understand the big
picture, but he gives us the next step.
A lot of times through that stepof obedience, we are being
(38:42):
changed and transformed into more Christlikeness and into the
men and women he called us to be.
So Amen, Chad. Thank you brother.
Man, you are wealth of knowledge, no pun intended, and
just so transparent, so honest with us, and I appreciate every
bit of that. You've got a book.
I'd love for you to tell our listeners about that, where they
can find that and where they canenter into your world if they
want to know more about you and what you do.
(39:03):
Book is forging financial freedom.
It's available on Amazon. It's easiest way to get it and
it really is about mindsets. I mean, it's not a faith book.
Everything out of there, though,is principles coming out of a
lot of it coming out of Proverbs, but their character,
they're the character quality isnecessary and the mindsets
(39:23):
necessary to to build a life of abundance and build financial
independence. Nice.
But it's again, it's characters.It's who you are, not
necessarily what you know. It's what you do more than what
you know. I mean, it's really hard to act
right consistently if you're notthinking right.
So that's what the book was designed to do, is help shape
the mindset perspective of people so they can pursue a life
(39:46):
of abundance. Awesome.
Thank you brother, this has beena privilege and pray blessings
for you and your family and man.We'll we may have to do this
again. This has been fun.
I would love to. The honor is mine and it's been
a privilege to be here. Thanks, Chad.
Appreciate you. Thank you.
Thank you for listening to the Rev RX Podcast.
We hope you enjoyed what you heard today, and if so, we'd
(40:06):
love it if you would hit that subscribe button so that you'll
never miss a new episode from us.
Also, feel free to leave us reviews and comments as we'd
love to hear from you. Be blessed and be the very best
you.
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