November 11, 2025 • 39 mins
What if the biggest financial breakthrough of your life had nothing to do with money — and everything to do with belief?
In this raw and revealing conversation, Kellan and financial freedom mentor Ann Pells tear down the walls between money, mindset, and spirit. Together, they expose the unconscious fear that keeps coaches, creators, and everyday dreamers stuck in “I can’t” — and show how shifting to “How can I?” opens the floodgates to divine alignment and abundance.
This episode will challenge what you think about money, fear, and faith.
- The truth behind “I can’t” and its energetic cost
- Journey from financial collapse to freedom and faith
- Money as a mirror for your spiritual evolution
- Fear, shame, and the hidden emotions driving your spending
- The “How can I?” mindset that activates divine provision
- Practical tools for rebuilding trust — with yourself and the universe
- The energetic exchange between gratitude and wealth
🔥 Ready to turn your truth into impact?
Join the Dream • Build • Write It Webinar — where bold creators transform ideas into movements.
👉 Reserve your free seat now at dreambuildwriteit.com
Explore how Ann can directly help you and your organization, visit her services page at LifegiverLegacy.com/services, and to learn more about her personal philosophy, check out AnnsPlan.com
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:02):
Welcome to the show. Tired ofthe hype about living a dream? It's
time for truth. This is theplace for tools, power and real talk
so you can create the life youdream and deserve your ultimate life.
Subscribe, share, create. Youhave infinite power. Hello, and welcome
(00:29):
to this episode of yourultimate life, the podcast that's
just for you, to help youcreate a life of purpose, prosperity
and joy that you create byserving with your gifts, your talents
and your life experience. I'mgrateful today to have a special
guest, Ann Pels. Ann, welcometo the show.
Thank you.
You're certainly welcome. It'sbeen just. We just visited for a
(00:51):
few minutes before we startedand it's really interesting. I want
you to. I'm going to ask aquestion just. And I don't want you
to be modest. I'd like you tojust share with me. How does Ann
choose to add good to the world?
My favorite ways to add goodto the world are teaching and inspiring
(01:13):
other people to get out of theI can't mindset into the how can
I. How can I have those greatrelationships? How can I have the
money that we've alwayswanted? How can I have the health
I've always wanted? Sospecifically, we teach people a lot
about their finances in acouple of different ways. Two phone
calls that I would like peopleto have an opportunity to give themselves
(01:36):
a permission slip for that.Just teach them how to get that house
paid off in five to sevenyears instead of 30 if they want
to do that. Pay a lot lessinterest, hundreds of thousands of
dollars there without changingtheir budget. Because, you know,
none of us want to be onstarvation budget necessarily. We
just want the house to beworking for us. And also to teach
(01:57):
people how to have businessthat are run by a management team
so they don't have to changetheir lifestyle, but they can have
some income coming in. There'salso real estate and other things
like that. But a lot of ourinformation is right@annsplan.com
and that's meaningful to mebecause, like, when our kids were
little, the beginning of allof this, if I, if I have a second
(02:18):
to share that with you, is myhusband got paid off and we had three
little kids and he was ouronly income at the time. And I went
and I didn't handle it well.It just was not ultimate life at
all for us.
What happened? You had threelittle kids and what happened?
And he got laid off. His jobwent away completely out of his control.
(02:39):
And. And that's happening fora lot of families now. And we just
did not have any. I didn'tknow what I didn't know and, and
I thought, oh my. Go toschool, get a good job plan just
blew up and what do we do now?I remember thinking at the time,
I just felt overwhelmed and Iwant to have, help people avoid that,
(03:01):
to be kind, hope, let's havesome hope. Let's figure out, let's
ask questions and talk topeople like we've been able to do
over the last 20 years sincethat happened. Because it's important
to me that young families andolder families and that we don't
ever get to that place where Iwas, where I was like, oh gosh, I
don't even know what to donow. It was very frightening.
(03:25):
Yeah, I'm sure, I'm sureterrible things happen and then it
just completely derails us. Solike you're in a place right now
of offering help, ideas,guidance, suggestions for people
to do that. But you don'tlike, you don't get to that place
(03:47):
accidentally. I like to sayyou don't fall up that mountain.
So what?
Tell me a little bit more. Iwant, I want to know the story. So
your husband was laid off.
Yes.
And if the job went awaycompletely, then it wasn't like he's
going to wait a month or twoand find another job, you know, not
like that. So that didn't seemlike was an option. So what? I guess
(04:12):
there's a couple of aspects tothe question. What did you do? There's
the aspect of what did youactually do? And the other is how
did you manage itenergetically, emotionally, internally?
How did you manage that?
Right.
Struggle that started out sooverwhelmingly right.
At first, not really well,emotionally and energetically. We
(04:34):
were just in the shock andoverwhelmed that you are when you
have a health accident, a caraccident or a health emergency or
anything really, I think. Andwe decided to buy time and go back
to graduate school. Let's goback to school, buy some time, we'll
figure things out. In themeantime, I'm racking my brain, usually
not sleeping at night becausewe're not handling. I mean I'm like,
(04:57):
oh. And I'm thinking, allright, who do I know that is already
navigating this? Okay. And Iwent to, I thought about my grandparents
who had had a health changeright when their kids were entering
college. And grandpa had beenself employed as a business owner,
but along the way he'd beenbuilding some real estate, just buying
(05:17):
a house or two here and thereas they could. My mom grew up with
all of those people rightthere on the land that they owned.
And that real estate incomeallowed him to change his job, his
business income and pivot. Asyou mentioned in, in other industries
that are happening, people arehaving to pivot because of AI and
(05:38):
all the things that arehappening now for us.
Right?
And I had seen grandpa do thatand I thought, all right, he had
some real estate happening.How can we learn about real estate
so that we're more prepared incase the job loss ever happens again
or another big bomb that wedidn't expect in our financial life?
(05:58):
So our immediate plan waslet's go back to school for a little
bit, let's figure out realestate. We read everything we could
back in that time period.There wasn't a lot online, so it
wasn't like watching YouTubeto learn about it or the things I
was going to say.
Was there even, was there evenan online.
And so I'm reading the richdad, poor dad books and I'm thinking,
(06:21):
how can we save up that downpayment or how can we. How do we
even get started, right. Ithink it just fed a hunger for us
and we had another reset inthe real estate world during 2008
that are. We were overleveraged on properties and didn't
know. We didn't know what wedidn't know then either. And I think
(06:42):
that's our. All of us get thatreally expensive lesson in life.
What we don't know about, whatwe don't know costs a lot of time
and money and a learning curvefor us. And that's what I found out
the hard way then with alittle bit older children and then
a couple years later we foundwhat we have now. You know, how do
(07:03):
we get people's mortgages paidoff in five years and how do we not
have to have a starvationbudget to do that? And, and then
how do we create like takeadvantage of all the 70 somethings
that are the baby boomers thatare retiring now and they still want
their businesses, of course,to keep doing good in the world,
(07:24):
to keep making a differencefor people. And I found a team that
helps us to find those and getthem funded and then create that
income for, for families. Andfor me that really feels good because
of all the bumps and bruisesthat we've had, right? If I can like
smooth out someone's roadthat's coming behind me, our kids
(07:47):
or other people that areyounger than us or that just didn't
know what they didn't knoweither they're my age and older and
they're like, okay, to figureout retirement, we got to figure
out, I don't know, what are wegoing to do. Those are some of the
tools that we try to offer people.
Kind of when, when you, whenyou first did that, you went back
to school, like, did you, whatwas the income? Like, did you get
(08:14):
student loans or something?She got some student loans to get
started. Right, right. Okay.
Kind of smooth out the Runwayfor a little bit until we can, could
figure out how to find workagain for us. At the time, it was
right after the 2001 tradecenter fell down. And so my husband
in the tech world where he'dbeen working jobs were not happening
(08:37):
there for a good many.
That was the dot com explosionwhere it all, everybody in the world
was going to make a milliondollars online and they did for 15
minutes and then it all went away.
Exactly. So that was us. Wewere caught in the middle of that
bomb and went, oh, we need tofigure out a new plan.
Right, right. And I rememberthe 2008 really clearly, actually
(09:00):
bought a house after the drop.So it wasn't, it didn't ever gain
much value. I kept it foreight years and still didn't get
much appreciation because itwasn't fast enough and I needed to
move again. But so Iunderstand that and I remember that
2008, like everybody, I'd goto church, everybody was out of work
and everybody, everybody week.There was the conversation about
(09:23):
who knows, you know, possibleemployment and all the jobs are changing
and nothing's coming back thesame. So it's easy to talk about
it like in the rear view now.But at the time it was, it.
Was another scary time.
It was terrifying. So tell mea little bit about what you do now,
(09:44):
the methods and tools that youuse to help people pay their mortgages
off more quickly or start withthat. Like what is that?
That is a video that we showpeople right on annsplan.com nothing
about me specifically. It wasjust easy for people to remember
to say that. Ann splan.comKellen Then people that are listening
(10:08):
can go there. It's a 20 minutevideo, a little bit long, but I feel
like 20 minutes is worth mytime to cut 20 years off my mortgage.
Because 20 minutes is. Yeah,I. Everybody's attention span is
three seconds. You have to gettheir attention now.
Right.
So 20 minutes seems then I'm like.
Well, okay, how much interestdo I have to pay even on a 2 or 3%
(10:29):
interest rate if I have to payit for 30 years versus just learning
how to get it done in five.And I thought that was one of the
biggest financial miracles ofmy life because we only found out
about that plan five yearsago, even for our family. And I'd
already moved 15 times. Jobchanges, bunch of things after 2008
(10:51):
and all those things. Andevery time you move, you start over
on the dang mortgage andyou're, you know, the interest, it's
start. You have to start againto pay a bunch of interest and a
little teeny bit of principalevery month. Right. Every time you
start the mortgage over forwhatever reason. And in the meantime,
they don't feel sorry for you.If you lose a job or you have a health
(11:12):
emergency or anything, themortgage company doesn't say, oh,
sorry, you don't have to makea house payment now. And that drove
me crazy because I'm still notfeeling very safe. As in, okay, we
just watched the job get lostin 2001, the, the housing thing in
2008. And then we go into 2020with COVID and as you said, the lockdown
(11:34):
and all the changes thathappen. And I thought, oh my word,
we've got to figure out a wayto make it safer and faster for people
to have a good, safe Runwayfinancially to. And, and that's what
that video on AnnSplan.com didfor our family within a couple of
years. Like they showed usliterally on a calculator on a phone
(11:55):
call we had with them after Iwatched that. So we offer that free
calculator, free classes, andthe ebook to kind of explain to people
how it works. Because even ifthey don't choose to move forward
on it, I still want them tohave the information in case at some
point in the future it makessense. And you're like, oh, that's
what we want to do.
So one of the things youmentioned is helping people who maybe
(12:19):
have a business to getsomebody else to run it so it keeps
going and they're not asthey're not tied to it. Is that related
to the ansplan.com or is thatjust something separate?
You can find out aboutit@annsplan.com so if you find out
about the house and you're notdon't necessarily want that, but
you want to keep finding outabout how to buy a business or run
(12:42):
a current business without alot of hands on involvement, like
you said, that's an easy wayto find out about. More about that
would be just to email meannifegiverlegacy.com and I can send
you the links that you cantalk to that team, too.
Good. Because I want people toknow where to find out more. Life
giver, legacy. So I have aquestion that isn't about that now.
(13:05):
So you manage this yourself.We all have challenges that hit us
over the head, and when theydo, they either ruin us or they refine
us.
Right?
Sometimes they ruin us for aday, a week, or a decade. And then
eventually, if we're smart, welet them refine us. And after we
(13:26):
are. Okay, what I notice isthat. Well, I'm just going to ask
you. Okay, you figured it outfor you. So what is it? Why do you
care about helping otherpeople? Like, what is it in Ann that
says, okay, I've crossed this,this, this minefield, now I want
(13:48):
to help other people? Why isthat? What's going on in you that
makes you want to help other people?
I think I just relate to thedesperation that I felt during a
couple of the bombshells thatwe've talked about, and I want to
prevent that for my children.But then, hey, if we're helping my
children and, you know, whycan't we also help other. Other families?
(14:11):
I feel like in. In my ownlife, and as I've watched other people
in that lockdown period, forexample, I saw a lot of really awesome
people get scared and thenthey get mad, then they do dumb things.
And they're not dumb people,but they just are kind of in this
panic mode. And you do youmake dumb choices that you wouldn't
(14:32):
ordinarily make because you'verun out of options. And. And I felt
like if I could at least sharea little bit of our journey and as
you said, going from. To, oh,this is going to refine us and make
things better because of whatwe've gone through, then maybe people
don't have to take the 10 or15 years that that took us that journey
(14:54):
on. In my own life, someone,during our 2008 crazy housing thing,
someone said, well, you know,you can still keep moving forward,
get some partners, get peopleto help you. And I literally told
them, I can't think of asingle person that I could ask to
partner with me or help mewith this. We are in such a mess
(15:14):
during that 2008 thing withour real estate, and I lost 10 years
until I could circle backaround in my head in my mindset,
as you said, and be okay. Thatdid happen, but now what are we going
to do? Now what? Right? And Iwish that I had been able to shortcut
that 10 years by being willingto say, instead of, oh, I can't find
(15:37):
partners. I. I can't do it. Ican't do it. I wish I'd have been
able to say what my grandpatried to teach me when I was 15.
He said, and can't's not evenin my dictionary. Instead of saying
I can't do something or Ican't have something, I say, how
can I have it? And, and Ididn't even remember that during
my own. Of 10 years of I don'tknow what we're going to do now.
(16:00):
Right.
You know what's interesting? Inoticed that almost to that exception,
me, you. When people gothrough those kinds of things and
they get on the other side,there arises in us the desire to
help others. And I ask youthat question because I always ask
it, and it's always the samething. And I think it's just part
(16:24):
of our nature. Like, we'rebuilt to love and serve each other.
And when we get, when wefigure something out, we just, we
just want to, we want to be ofservice and to help others figure
things out. And I. It'suniversal, like, every single time.
And I've interviewed lots offolks over the years.
(16:45):
Yeah.
That, that, that have theirown struggle, and it doesn't matter
what kind. When they get tothe other side, they're like, I can
save somebody the trouble. Andso I'm going to do that. And so there's,
you know, you're another,Another example of that. So, so tell
me what. What's happened nowwith your kids? Like, you didn't
(17:05):
remember what your grandpa said.
I know.
Right, right. You didn'tremember that. You can't. Isn't.
Doesn't have to be theoperative word of life. And, you
know, the question is, how canI start? What's the first step? Who
can I talk to? You know, thatkind of thing. So tell me a little
bit about how the, the choicesthat you're now making, the legacy
(17:27):
that you're creating, havepassed on to your kids or others.
What are they doing?
Our kids are just faster andsmarter than we are. And that's what
I hope for anyone behind me oranyone that hears any of your podcasts
or this one, too. Right. Wewant everyone who comes along behind
us to be faster and smarter,that they don't have to take 10 years
(17:48):
going, I don't know, I don'tknow, I don't know. And instead they
could say, okay, how could Ihave partners? How could I have help?
How can I find that team ofpeople that's already Getting the
results that I want. So ourkids, different. Different ways,
they're accessing the teamthat helps them to pay their house
(18:08):
off faster. They're learningabout businesses. They're finding
ways to buy their first pieceof real estate as an investment.
And it varies with ourchildren. Some of them are more interested
in it than others. And so, youknow, we are just kind of trying
to customize the little 30seconds, 2 minutes at a time that
(18:29):
you can teach people aroundyou, your kids or other people. Or,
you know, how about if youread this book or what. What do you
think about this video that Isaw or things like that? There's
so much available now online,even that we didn't have 20 years
ago when their dad and I werelike, o, we don't know what to do,
(18:51):
Right? No, there is so muchavailable now that it's almost more
the opposite extreme. Like,how do we sort out where to put our
attention for a few minutes?And how. How do I have that phone
call and how do I contact thatperson? How do I even know what questions
to ask someone if I'm tryingto buy my first piece of real estate
(19:14):
or my first business or, youknow, how do I know what to do, what
to do?
You know, something youmentioned at the beginning that struck
me at the time, and we. We'vedone a specific application in terms
of, you know, either realestate investing or paying off your
house or owning a business.But you mentioned this mindset thing
(19:41):
from I can't do this to maybeI can, or what's the first step?
And that applies to a lot ofareas. In fact, it applies to everything
because we get stuck inalmost. I mean, there's no limit
to the ways we can getourselves stuck. When you talk to
(20:03):
people about, you know, thatidea, what, and you. And you come
into someone, or you. Someonecomes to you, that is really sort
of set in the idea that, yeah,that might work for you or for somebody
somewhere, but not for me. Ican't. This, that and the other.
What is the. What is the firstkind of thing that you approach with
(20:24):
them to at least help them seea glimmer of possibility?
I love that word, glimmer.Glimmer of possibility. I think everything
starts with good questions.And so I'll usually try to say to
them, well, what if the thingthat you think you can't, someone's
(20:45):
already done it. What if moneydoesn't have to be hard? What the
what if question is? My otherquestion, you know, why. Why can't
it be that way for you. Ifsomeone's already doing it, why can't
it be that way for you? Orwhat if it was? And sometimes they
throw that right back at you.Well, I can't. And they're just not
(21:07):
ready. But they'll usuallycircle back around. For me, it took
10 years to be like, oh, Icould find partners. You know, if
we can be faster than Ann andnot wait 10 years, that's awesome,
right?
Yeah. When you say partners,are you speaking specifically about
the real estate investing andso forth? Are you talking about partners
(21:28):
in a broader sense?
Yeah. Partners to buy thatfirst piece of real estate, or partners
to buy that first business, orpartners to take a class that you've
been wanting to learnsomething, but you may not have the.
The cost of entrance or something.
Right.
Like, why do we insist onthinking we have to do life all by
(21:49):
ourselves? As you said, thereare a lot of people that know how
to help and they want to help.And if they can, you know, what if
they just needed to give you alittle bit of time to watch your
kids for you so you can go anddo the thing, or you. They just needed
to give the cost of a pizza insome parts of the world $20. The
(22:10):
cost of a pizza is a year ofeducation for a child. And, you know,
I think sometimes weovercomplicate things. At least I
did for those 10 years of Idon't even know any partners. I don't
know what to do. And I couldhave just asked myself some questions.
Instead, how can I. And whatif I could find even just one partner?
(22:30):
Or how can I find somebody?
Yeah. So. So I have aquestion. You're right. We have this
myth, and it is a myth, butit's pervasive and it's powerful
that we have to do thingsourselves. And that the idea that,
you know, asking for help orgetting in a position where we're
seeking guidance or help isnot okay, that it's somehow an indictment
(22:52):
of our. Our character or ourlives or something? So my question,
Ann, is why have we builtthat? I know it's speculation, but
why do you think we havecreated ourselves a world that is
so full of can't, won't, notisolation, you know, that sort of
feeling, what's going on thatwe've built that.
(23:14):
I don't know. When I look backat my own life, I guess I just was
so determined that it was, I'mgoing to do it, I'm going to do it,
and I don't need anybody elseto help me. And when I finally gave
that up, I, it actually waskicking and screaming on the way
to yet another real estateclass that we were invited to. And
(23:35):
I'm like, oh, I don't needanybody else to tell me how to do
real estate. That won't workfor me. And I'm having a really bad
attitude about it. And thenwhen I got there, I realized it was
more about mindset. It was howto get out of the I can't do it to,
how can I find someone to helpme to do whatever it is.
Right.
And it doesn't have to beabout real estate. Can be.
(23:57):
So I'd like you to teach for amoment. So since we've talked in
generalities about findingpartners or helpers or you know,
even small first steps, inyour experience helping people, can
you give. And I know you cangive many, but give two or three
or four even examples indifferent areas of quote, what, what
(24:19):
is finding a partner mean?Like if you want to go to school
or if you want to learn about.Like, what does it mean to find a
partner if someone's stuck inthe idea that they, they don't want
to ask for help or they can'tfind them anyway, both of which you
said about yourself, what doesit mean actually in practical terms,
to go find a partner? Yeah.
(24:42):
Well, for me right now I callit the ten minute magic. Because
honestly it's. Is there a bookI could read that's a 10 minute thing.
We could listen to a book for10 minutes. We can go get a loan,
possibly. There's businessloans, there's real estate loans.
We can learn from somebody, wecan get a mentor. There's so many
(25:03):
ways to get partners, as injust like, and, and really in, in
an interesting sort of a way.My grandparents, I asked them, after
all was said and done with allof their real estate and their investings
and everything, how did you dothat? And I thought they'd give me
(25:24):
this huge book and a long, youknow, do this and all the steps,
hundred steps worth ofanything. And they, we, we just chose
to let God be our partner,whoever God is to that person. They
said, we tried to tap into himand ask him questions. What are we
supposed to do next? Andinstead of saying to myself in 2008,
(25:45):
well, I don't have anypartners, what if I would have tapped
into that and just asked who,who could be my partner or who, who
knows more about real estatethan I obviously do? Who knows more
about businesses than I doright now? Like we said, there's
so much on the Internet now. Imean really just. And AI and all
(26:09):
kinds of resources that we have.
The AI I mean the Internetobviously democratized information.
It made, think about it, thereused to be, it used to be really
hard to find something out.And then we invented libraries and
then you could go to a libraryand find stuff. And then we invented
the Internet which broughtlibraries right in your face. So
everything that there ever wasis right here. And now we've, with
(26:31):
AI we've democratizedexpertise which is we can sort and
analyze and bring all thatstuff right, you know, customized
to your own needs. And youmentioned something about heavenly
sources or spiritual sources.And I talk a lot about that in different
ways. And I'm not trying toprescribe anybody's religious orientation.
(26:53):
But what everybody's,everybody knows, especially in times
of urgency, right, is thatthere is something more than us.
There is something above,bigger than whether you're an addict
in a 12 step program orwhether you're a new parent trying
(27:13):
to figure out what the frickto do with a kid that's seems.
Crying for five hours.
Well, yeah, busted. Somehow oreven, you know, I had a lady that
I interviewed and her and herhusband were model people on a regular
marriage and good stuff. Andboth their sons ended up with terrifying
addiction problems in likehospital and near death and all stuff
for no apparent reason. And sowhat do we do? And I love the fact
(27:38):
that you mentioned thatbecause each of us has the opportunity
to seek and receive guidance,inspiration I'll call it. And I'm
not telling anybody how tothink about that, but I know it's
available. What do you do?What if you're willing to share,
what do you do to create a, acircumstance in your heart or your
(28:02):
life where you're open toreceiving inspiration or ideas?
I purposely turn offeverything, all the noise and all
the Internet and all the clickhere, click here. You could, you
know, all that information.And I'm just in a very quiet place
in my mind, in my heart andthat might be outside, walking around,
(28:26):
it might be in my prayer timeor meditation, different ways that
people can find that a quiet.And so it's when I'm in the most
quiet that a little thought ora little idea will come. And I've
learned to capture that and atleast write it down and think about
and like how could I takeaction on that thought?
(28:48):
Now I thank you for sharingthat and I want to dig into that
just a little bit more becauseyou said two really important, three
really important things One isintentionally quiet the noise.
Yeah.
So whether it's tv, Internet,people, whatever, intentionally quiet
(29:08):
the noise, turn it all down.
Yeah.
And the second thing youmentioned is pay attention to the
little thoughts and feelings,like, be awake, be aware, pay attention
to. Listen for those ideas.
Yeah.
You know, intuitions,inspirations, calm, whatever you
want, but pay attention. Andthe third thing you mentioned was
(29:31):
then have the courage to takesome action on that. It's good. It's
right. There's a positivething here. It's not just a, you
know, fly in the jello of mybrain. It's a. It's a real. It's
a real thing, and it's thereto help me. I agree with all three
of those. Slow down, payattention, and then take some action
(29:53):
on that. Is that a skill thatyou think anyone can develop if they
want to?
Absolutely. Yeah. And you'veprobably seen this too. It'd be fascinating
to see what you've watchedhappen for people. But definitely
I feel stronger in that myselfthan I was in 2008 when I just said,
well, I can't find anypartners. Okay. Now if I find something
(30:18):
that I want to do and I know Idon't have the resources to do it
on my own, I'm always like,all right, what team do I need? What
people can help me with this?I read two books too, and that helped.
One was who, not how, and theother was 10x is easier than 2x.
And both of those gave me alittle mindset, tweak just. Just
(30:39):
a little bit that I'm like,you know, we could really make this
really wonderful for a lotmore people if I didn't insist on
doing it all myself. And if Idid find the who, someone who knows
what I don't know yet, becauseI know that I still don't know everything.
And what I don't know that Idon't know is my most expensive cost.
(31:02):
In our mind, in our.Everything we're trying to accomplish
in life, to get to thatultimate life that you teach people
about. What we know is very expensive.
It is very expensive. And Ithink of it this way. The idea for
me that I have to do somethingmeans I have to know all those answers.
(31:23):
And I view that as, like,supreme arrogance. Like, who the
heck am I to think that Iwould know that instead of taking
advantage of accumulatedwisdom, mistakes offered help. And
maybe you pay for it and maybeyou don't. And I don't think that
even matters, because if itcuts a year or 10 or longer off my
(31:46):
learning Curve and takes ayear or 10 of suffering or struggle
or anxiety out of my heart.It's like I don't even care, right?
I'll pay that what I have to pay.
Pay it in a heartbeat becauseit takes, you know, it subtracts
all that, that anxiety out ofthat. So what, what, what haven't
(32:12):
I asked you about that? Youreally want to make sure you teach,
that you teach or share orgive to the listeners?
Well, I'm really thankful forthat question. The biggest thing
is that one person can make abigger impact than they think. I
(32:34):
read a book by Andy Andrewscalled the Butterfly Effect. It's
very short and a lot ofpictures, which made sense to me
and I share it with mychildren because they can read it
in five minutes. And it wasabout George Washington Carver. That
was a little teeny baby. Hisparents, he was orphaned in the war
and someone found him in aburlap sack and they took the time
(32:56):
to make a difference for himand they taught him and raised him
as their own. And because ofthat, billions of people were fed
from what George WashingtonCarver learned and was able to share
with other people who thenshared it with other people. Right?
Our, our life ripples out. Theone conversation, one phone call,
1, 110 minute step forward ora video that you watch or a book
(33:20):
or a person you learn from orsomething can ripple out. To have
such a big legacy and animpact on other people like we. I
don't have to take 30 years topay that darn house mortgage off
anymore because someone showedme a YouTube video about it five
years ago. And whatever it is,you know, you want your health to
(33:42):
improve or your relationshipsor whatever. I think we underestimate
the power of, of one person.It's, it's that butterfly effect
that, you know, billions ofpeople were fed because someone was
kind to that little baby in asack and didn't forget him.
I, I love that and thank youfor sharing that thing. Because the
(34:05):
truth is, each of us, each ofthe listeners, and you and me, we're
all from the same place. We'redivine beings. We were created with
the mission. We were createdwith a purpose. Nobody's going to
come and make you do anything,but nobody can keep you from it either.
Right?
And if you make up your mindto go create meaning and purpose
(34:28):
and, and you choose to do itthe way that suits you best, you
can have a big impact. My goalthis year is to, has been to reach
300 million people with thismessage of purpose, prosperity and
joy and the podcast and 21books and number 22 is nearly done.
And you know, I've been on700. All that stuff is just aimed
(34:52):
at that goal because like you,I know that the yearning that we
have to serve is divine. Thegood that we can do is limitless.
And we have that opportunityto do that. And I really want to
thank you today for sharingyour love, your spirit, your encouragement,
(35:18):
your smile, the brightness ofhope that you bring. Thanks for sharing
that with me today.
Thank you. I appreciate that.I think it's amazing what we can
do to help each other, andit's a good thing.
I love it. And it is. Now, aswe get ready to be nearly done, I
want you to tell people againhow to find anything you want to
(35:42):
share, like if they want more,Ann, if they want to find out more
about you or your familypersonally or about the tools that
you've taught about mortgagesand real estate and etc. Etc. Where
do they need to go to find outwhatever it is that they might want
to know after listening to you?
(36:03):
I'm ann@lifekeeperlegacy.comalthough the fastest is probably
annsplan.com just giveyourself that permission slip to
try something, to look at itand see if it could help if. And
you'll know right on thatphone call, that first phone call,
you'll be like, okay, that'sgoing to work for me. And by a year
(36:25):
from now, this is what wouldbe happening in my family because
of it. I, I kind of likerecipes. Just give me the ingredients,
let me know that the recipe isgoing to be ready for dinner and
we're good to go. And becauseI, it was hard for me, the 20 years
that I spent in the. I can'tdo it. I don't know. I, you know,
let's just give ourselves thepermission slip to try it. And annsplan.com
(36:49):
Kellen so they can find you and.
Okay, well, thank you.Annsplan.com and the other one was
an.
@Lifegiverlegacy.Com that'sour business name, but we.
Had an email and at Life GiverLegacy. Okay, so Ann splan.com. yeah,
and there's some videos towatch. And Ann, @lifegiverlegacy.com
(37:13):
you know, the opportunitiesthat we don't take, the opportunity
cost, the excuses we makebefore we even try about. Yeah, but
it won't. Yeah, but, yeah,but. Yeah, but.
Yeah, but I can't find anypartners for 10 years.
Yeah, yeah, but, you know, Ithinks of Bugs Bunny, Webbit Webbit.
Right? Yeah, but yeah, butyeah, but yeah.
(37:35):
But yeah, but yeah.
It's just not true.
It isn't.
Well, and again, thank you.Thanks for being part of my show
today or our show together.
Thank you. That was a. It wasa treasure for me. I appreciate that
so much.
All of you, I want you to takethe opportunity to listen to this.
And I don't actually know thedetails of the plan or process that
(37:58):
she shares, but I do know thatthere are many ways that both financially,
I've got a guy, a friend ofmine who teaches a investor school
and in real estate school and,you know, so all of these things
are there and they're possibleand they're available. So if you're
making up a story about why itcan't work for you, that's going
to be a big opportunity costfor you. So go check it out because
(38:21):
if you take action, even alittle one, moving forward today,
you will be a step closer tocreating your ultimate life. Quiet.
Open your heart.
And this time around, righthere, right.
(38:41):
Now, your opportunity formassive growth is right in front
of you. Every episode givesyou practical tips and practices
that will change everything.If you want to know more, go to kellenfluekegermedia.com
if you want more free tools,go here YourUltimateLife.ca Subscribe.
(39:05):
Share.
Welcome to the show. Tired ofthe hype about living a dream? It's
time for truth. This is theplace for tools, power and real talk
so you can create the life youdream and deserve your ultimate life.
Subscribe, share, create. Youhave infinite power. Hello, and welcome
(00:29):
to this episode of yourultimate life, the podcast that's
just for you, to help youcreate a life of purpose, prosperity
and joy that you create byserving with your gifts, your talents
and your life experience. I'mgrateful today to have a special
guest, Ann Pels. Ann, welcometo the show.
Thank you.
You're certainly welcome. It'sbeen just. We just visited for a
(00:51):
few minutes before we startedand it's really interesting. I want
you to. I'm going to ask aquestion just. And I don't want you
to be modest. I'd like you tojust share with me. How does Ann
choose to add good to the world?
My favorite ways to add goodto the world are teaching and inspiring
(01:13):
other people to get out of theI can't mindset into the how can
I. How can I have those greatrelationships? How can I have the
money that we've alwayswanted? How can I have the health
I've always wanted? Sospecifically, we teach people a lot
about their finances in acouple of different ways. Two phone
calls that I would like peopleto have an opportunity to give themselves
(01:36):
a permission slip for that.Just teach them how to get that house
paid off in five to sevenyears instead of 30 if they want
to do that. Pay a lot lessinterest, hundreds of thousands of
dollars there without changingtheir budget. Because, you know,
none of us want to be onstarvation budget necessarily. We
just want the house to beworking for us. And also to teach
(01:57):
people how to have businessthat are run by a management team
so they don't have to changetheir lifestyle, but they can have
some income coming in. There'salso real estate and other things
like that. But a lot of ourinformation is right@annsplan.com
and that's meaningful to mebecause, like, when our kids were
little, the beginning of allof this, if I, if I have a second
(02:18):
to share that with you, is myhusband got paid off and we had three
little kids and he was ouronly income at the time. And I went
and I didn't handle it well.It just was not ultimate life at
all for us.
What happened? You had threelittle kids and what happened?
And he got laid off. His jobwent away completely out of his control.
(02:39):
And. And that's happening fora lot of families now. And we just
did not have any. I didn'tknow what I didn't know and, and
I thought, oh my. Go toschool, get a good job plan just
blew up and what do we do now?I remember thinking at the time,
I just felt overwhelmed and Iwant to have, help people avoid that,
(03:01):
to be kind, hope, let's havesome hope. Let's figure out, let's
ask questions and talk topeople like we've been able to do
over the last 20 years sincethat happened. Because it's important
to me that young families andolder families and that we don't
ever get to that place where Iwas, where I was like, oh gosh, I
don't even know what to donow. It was very frightening.
(03:25):
Yeah, I'm sure, I'm sureterrible things happen and then it
just completely derails us. Solike you're in a place right now
of offering help, ideas,guidance, suggestions for people
to do that. But you don'tlike, you don't get to that place
(03:47):
accidentally. I like to sayyou don't fall up that mountain.
So what?
Tell me a little bit more. Iwant, I want to know the story. So
your husband was laid off.
Yes.
And if the job went awaycompletely, then it wasn't like he's
going to wait a month or twoand find another job, you know, not
like that. So that didn't seemlike was an option. So what? I guess
(04:12):
there's a couple of aspects tothe question. What did you do? There's
the aspect of what did youactually do? And the other is how
did you manage itenergetically, emotionally, internally?
How did you manage that?
Right.
Struggle that started out sooverwhelmingly right.
At first, not really well,emotionally and energetically. We
(04:34):
were just in the shock andoverwhelmed that you are when you
have a health accident, a caraccident or a health emergency or
anything really, I think. Andwe decided to buy time and go back
to graduate school. Let's goback to school, buy some time, we'll
figure things out. In themeantime, I'm racking my brain, usually
not sleeping at night becausewe're not handling. I mean I'm like,
(04:57):
oh. And I'm thinking, allright, who do I know that is already
navigating this? Okay. And Iwent to, I thought about my grandparents
who had had a health changeright when their kids were entering
college. And grandpa had beenself employed as a business owner,
but along the way he'd beenbuilding some real estate, just buying
(05:17):
a house or two here and thereas they could. My mom grew up with
all of those people rightthere on the land that they owned.
And that real estate incomeallowed him to change his job, his
business income and pivot. Asyou mentioned in, in other industries
that are happening, people arehaving to pivot because of AI and
(05:38):
all the things that arehappening now for us.
Right?
And I had seen grandpa do thatand I thought, all right, he had
some real estate happening.How can we learn about real estate
so that we're more prepared incase the job loss ever happens again
or another big bomb that wedidn't expect in our financial life?
(05:58):
So our immediate plan waslet's go back to school for a little
bit, let's figure out realestate. We read everything we could
back in that time period.There wasn't a lot online, so it
wasn't like watching YouTubeto learn about it or the things I
was going to say.
Was there even, was there evenan online.
And so I'm reading the richdad, poor dad books and I'm thinking,
(06:21):
how can we save up that downpayment or how can we. How do we
even get started, right. Ithink it just fed a hunger for us
and we had another reset inthe real estate world during 2008
that are. We were overleveraged on properties and didn't
know. We didn't know what wedidn't know then either. And I think
(06:42):
that's our. All of us get thatreally expensive lesson in life.
What we don't know about, whatwe don't know costs a lot of time
and money and a learning curvefor us. And that's what I found out
the hard way then with alittle bit older children and then
a couple years later we foundwhat we have now. You know, how do
(07:03):
we get people's mortgages paidoff in five years and how do we not
have to have a starvationbudget to do that? And, and then
how do we create like takeadvantage of all the 70 somethings
that are the baby boomers thatare retiring now and they still want
their businesses, of course,to keep doing good in the world,
(07:24):
to keep making a differencefor people. And I found a team that
helps us to find those and getthem funded and then create that
income for, for families. Andfor me that really feels good because
of all the bumps and bruisesthat we've had, right? If I can like
smooth out someone's roadthat's coming behind me, our kids
(07:47):
or other people that areyounger than us or that just didn't
know what they didn't knoweither they're my age and older and
they're like, okay, to figureout retirement, we got to figure
out, I don't know, what are wegoing to do. Those are some of the
tools that we try to offer people.
Kind of when, when you, whenyou first did that, you went back
to school, like, did you, whatwas the income? Like, did you get
(08:14):
student loans or something?She got some student loans to get
started. Right, right. Okay.
Kind of smooth out the Runwayfor a little bit until we can, could
figure out how to find workagain for us. At the time, it was
right after the 2001 tradecenter fell down. And so my husband
in the tech world where he'dbeen working jobs were not happening
(08:37):
there for a good many.
That was the dot com explosionwhere it all, everybody in the world
was going to make a milliondollars online and they did for 15
minutes and then it all went away.
Exactly. So that was us. Wewere caught in the middle of that
bomb and went, oh, we need tofigure out a new plan.
Right, right. And I rememberthe 2008 really clearly, actually
(09:00):
bought a house after the drop.So it wasn't, it didn't ever gain
much value. I kept it foreight years and still didn't get
much appreciation because itwasn't fast enough and I needed to
move again. But so Iunderstand that and I remember that
2008, like everybody, I'd goto church, everybody was out of work
and everybody, everybody week.There was the conversation about
(09:23):
who knows, you know, possibleemployment and all the jobs are changing
and nothing's coming back thesame. So it's easy to talk about
it like in the rear view now.But at the time it was, it.
Was another scary time.
It was terrifying. So tell mea little bit about what you do now,
(09:44):
the methods and tools that youuse to help people pay their mortgages
off more quickly or start withthat. Like what is that?
That is a video that we showpeople right on annsplan.com nothing
about me specifically. It wasjust easy for people to remember
to say that. Ann splan.comKellen Then people that are listening
(10:08):
can go there. It's a 20 minutevideo, a little bit long, but I feel
like 20 minutes is worth mytime to cut 20 years off my mortgage.
Because 20 minutes is. Yeah,I. Everybody's attention span is
three seconds. You have to gettheir attention now.
Right.
So 20 minutes seems then I'm like.
Well, okay, how much interestdo I have to pay even on a 2 or 3%
(10:29):
interest rate if I have to payit for 30 years versus just learning
how to get it done in five.And I thought that was one of the
biggest financial miracles ofmy life because we only found out
about that plan five yearsago, even for our family. And I'd
already moved 15 times. Jobchanges, bunch of things after 2008
(10:51):
and all those things. Andevery time you move, you start over
on the dang mortgage andyou're, you know, the interest, it's
start. You have to start againto pay a bunch of interest and a
little teeny bit of principalevery month. Right. Every time you
start the mortgage over forwhatever reason. And in the meantime,
they don't feel sorry for you.If you lose a job or you have a health
(11:12):
emergency or anything, themortgage company doesn't say, oh,
sorry, you don't have to makea house payment now. And that drove
me crazy because I'm still notfeeling very safe. As in, okay, we
just watched the job get lostin 2001, the, the housing thing in
2008. And then we go into 2020with COVID and as you said, the lockdown
(11:34):
and all the changes thathappen. And I thought, oh my word,
we've got to figure out a wayto make it safer and faster for people
to have a good, safe Runwayfinancially to. And, and that's what
that video on AnnSplan.com didfor our family within a couple of
years. Like they showed usliterally on a calculator on a phone
(11:55):
call we had with them after Iwatched that. So we offer that free
calculator, free classes, andthe ebook to kind of explain to people
how it works. Because even ifthey don't choose to move forward
on it, I still want them tohave the information in case at some
point in the future it makessense. And you're like, oh, that's
what we want to do.
So one of the things youmentioned is helping people who maybe
(12:19):
have a business to getsomebody else to run it so it keeps
going and they're not asthey're not tied to it. Is that related
to the ansplan.com or is thatjust something separate?
You can find out aboutit@annsplan.com so if you find out
about the house and you're notdon't necessarily want that, but
you want to keep finding outabout how to buy a business or run
(12:42):
a current business without alot of hands on involvement, like
you said, that's an easy wayto find out about. More about that
would be just to email meannifegiverlegacy.com and I can send
you the links that you cantalk to that team, too.
Good. Because I want people toknow where to find out more. Life
giver, legacy. So I have aquestion that isn't about that now.
(13:05):
So you manage this yourself.We all have challenges that hit us
over the head, and when theydo, they either ruin us or they refine
us.
Right?
Sometimes they ruin us for aday, a week, or a decade. And then
eventually, if we're smart, welet them refine us. And after we
(13:26):
are. Okay, what I notice isthat. Well, I'm just going to ask
you. Okay, you figured it outfor you. So what is it? Why do you
care about helping otherpeople? Like, what is it in Ann that
says, okay, I've crossed this,this, this minefield, now I want
(13:48):
to help other people? Why isthat? What's going on in you that
makes you want to help other people?
I think I just relate to thedesperation that I felt during a
couple of the bombshells thatwe've talked about, and I want to
prevent that for my children.But then, hey, if we're helping my
children and, you know, whycan't we also help other. Other families?
(14:11):
I feel like in. In my ownlife, and as I've watched other people
in that lockdown period, forexample, I saw a lot of really awesome
people get scared and thenthey get mad, then they do dumb things.
And they're not dumb people,but they just are kind of in this
panic mode. And you do youmake dumb choices that you wouldn't
(14:32):
ordinarily make because you'verun out of options. And. And I felt
like if I could at least sharea little bit of our journey and as
you said, going from. To, oh,this is going to refine us and make
things better because of whatwe've gone through, then maybe people
don't have to take the 10 or15 years that that took us that journey
(14:54):
on. In my own life, someone,during our 2008 crazy housing thing,
someone said, well, you know,you can still keep moving forward,
get some partners, get peopleto help you. And I literally told
them, I can't think of asingle person that I could ask to
partner with me or help mewith this. We are in such a mess
(15:14):
during that 2008 thing withour real estate, and I lost 10 years
until I could circle backaround in my head in my mindset,
as you said, and be okay. Thatdid happen, but now what are we going
to do? Now what? Right? And Iwish that I had been able to shortcut
that 10 years by being willingto say, instead of, oh, I can't find
(15:37):
partners. I. I can't do it. Ican't do it. I wish I'd have been
able to say what my grandpatried to teach me when I was 15.
He said, and can't's not evenin my dictionary. Instead of saying
I can't do something or Ican't have something, I say, how
can I have it? And, and Ididn't even remember that during
my own. Of 10 years of I don'tknow what we're going to do now.
(16:00):
Right.
You know what's interesting? Inoticed that almost to that exception,
me, you. When people gothrough those kinds of things and
they get on the other side,there arises in us the desire to
help others. And I ask youthat question because I always ask
it, and it's always the samething. And I think it's just part
(16:24):
of our nature. Like, we'rebuilt to love and serve each other.
And when we get, when wefigure something out, we just, we
just want to, we want to be ofservice and to help others figure
things out. And I. It'suniversal, like, every single time.
And I've interviewed lots offolks over the years.
(16:45):
Yeah.
That, that, that have theirown struggle, and it doesn't matter
what kind. When they get tothe other side, they're like, I can
save somebody the trouble. Andso I'm going to do that. And so there's,
you know, you're another,Another example of that. So, so tell
me what. What's happened nowwith your kids? Like, you didn't
(17:05):
remember what your grandpa said.
I know.
Right, right. You didn'tremember that. You can't. Isn't.
Doesn't have to be theoperative word of life. And, you
know, the question is, how canI start? What's the first step? Who
can I talk to? You know, thatkind of thing. So tell me a little
bit about how the, the choicesthat you're now making, the legacy
(17:27):
that you're creating, havepassed on to your kids or others.
What are they doing?
Our kids are just faster andsmarter than we are. And that's what
I hope for anyone behind me oranyone that hears any of your podcasts
or this one, too. Right. Wewant everyone who comes along behind
us to be faster and smarter,that they don't have to take 10 years
(17:48):
going, I don't know, I don'tknow, I don't know. And instead they
could say, okay, how could Ihave partners? How could I have help?
How can I find that team ofpeople that's already Getting the
results that I want. So ourkids, different. Different ways,
they're accessing the teamthat helps them to pay their house
(18:08):
off faster. They're learningabout businesses. They're finding
ways to buy their first pieceof real estate as an investment.
And it varies with ourchildren. Some of them are more interested
in it than others. And so, youknow, we are just kind of trying
to customize the little 30seconds, 2 minutes at a time that
(18:29):
you can teach people aroundyou, your kids or other people. Or,
you know, how about if youread this book or what. What do you
think about this video that Isaw or things like that? There's
so much available now online,even that we didn't have 20 years
ago when their dad and I werelike, o, we don't know what to do,
(18:51):
Right? No, there is so muchavailable now that it's almost more
the opposite extreme. Like,how do we sort out where to put our
attention for a few minutes?And how. How do I have that phone
call and how do I contact thatperson? How do I even know what questions
to ask someone if I'm tryingto buy my first piece of real estate
(19:14):
or my first business or, youknow, how do I know what to do, what
to do?
You know, something youmentioned at the beginning that struck
me at the time, and we. We'vedone a specific application in terms
of, you know, either realestate investing or paying off your
house or owning a business.But you mentioned this mindset thing
(19:41):
from I can't do this to maybeI can, or what's the first step?
And that applies to a lot ofareas. In fact, it applies to everything
because we get stuck inalmost. I mean, there's no limit
to the ways we can getourselves stuck. When you talk to
(20:03):
people about, you know, thatidea, what, and you. And you come
into someone, or you. Someonecomes to you, that is really sort
of set in the idea that, yeah,that might work for you or for somebody
somewhere, but not for me. Ican't. This, that and the other.
What is the. What is the firstkind of thing that you approach with
(20:24):
them to at least help them seea glimmer of possibility?
I love that word, glimmer.Glimmer of possibility. I think everything
starts with good questions.And so I'll usually try to say to
them, well, what if the thingthat you think you can't, someone's
(20:45):
already done it. What if moneydoesn't have to be hard? What the
what if question is? My otherquestion, you know, why. Why can't
it be that way for you. Ifsomeone's already doing it, why can't
it be that way for you? Orwhat if it was? And sometimes they
throw that right back at you.Well, I can't. And they're just not
(21:07):
ready. But they'll usuallycircle back around. For me, it took
10 years to be like, oh, Icould find partners. You know, if
we can be faster than Ann andnot wait 10 years, that's awesome,
right?
Yeah. When you say partners,are you speaking specifically about
the real estate investing andso forth? Are you talking about partners
(21:28):
in a broader sense?
Yeah. Partners to buy thatfirst piece of real estate, or partners
to buy that first business, orpartners to take a class that you've
been wanting to learnsomething, but you may not have the.
The cost of entrance or something.
Right.
Like, why do we insist onthinking we have to do life all by
(21:49):
ourselves? As you said, thereare a lot of people that know how
to help and they want to help.And if they can, you know, what if
they just needed to give you alittle bit of time to watch your
kids for you so you can go anddo the thing, or you. They just needed
to give the cost of a pizza insome parts of the world $20. The
(22:10):
cost of a pizza is a year ofeducation for a child. And, you know,
I think sometimes weovercomplicate things. At least I
did for those 10 years of Idon't even know any partners. I don't
know what to do. And I couldhave just asked myself some questions.
Instead, how can I. And whatif I could find even just one partner?
(22:30):
Or how can I find somebody?
Yeah. So. So I have aquestion. You're right. We have this
myth, and it is a myth, butit's pervasive and it's powerful
that we have to do thingsourselves. And that the idea that,
you know, asking for help orgetting in a position where we're
seeking guidance or help isnot okay, that it's somehow an indictment
(22:52):
of our. Our character or ourlives or something? So my question,
Ann, is why have we builtthat? I know it's speculation, but
why do you think we havecreated ourselves a world that is
so full of can't, won't, notisolation, you know, that sort of
feeling, what's going on thatwe've built that.
(23:14):
I don't know. When I look backat my own life, I guess I just was
so determined that it was, I'mgoing to do it, I'm going to do it,
and I don't need anybody elseto help me. And when I finally gave
that up, I, it actually waskicking and screaming on the way
to yet another real estateclass that we were invited to. And
(23:35):
I'm like, oh, I don't needanybody else to tell me how to do
real estate. That won't workfor me. And I'm having a really bad
attitude about it. And thenwhen I got there, I realized it was
more about mindset. It was howto get out of the I can't do it to,
how can I find someone to helpme to do whatever it is.
Right.
And it doesn't have to beabout real estate. Can be.
(23:57):
So I'd like you to teach for amoment. So since we've talked in
generalities about findingpartners or helpers or you know,
even small first steps, inyour experience helping people, can
you give. And I know you cangive many, but give two or three
or four even examples indifferent areas of quote, what, what
(24:19):
is finding a partner mean?Like if you want to go to school
or if you want to learn about.Like, what does it mean to find a
partner if someone's stuck inthe idea that they, they don't want
to ask for help or they can'tfind them anyway, both of which you
said about yourself, what doesit mean actually in practical terms,
to go find a partner? Yeah.
(24:42):
Well, for me right now I callit the ten minute magic. Because
honestly it's. Is there a bookI could read that's a 10 minute thing.
We could listen to a book for10 minutes. We can go get a loan,
possibly. There's businessloans, there's real estate loans.
We can learn from somebody, wecan get a mentor. There's so many
(25:03):
ways to get partners, as injust like, and, and really in, in
an interesting sort of a way.My grandparents, I asked them, after
all was said and done with allof their real estate and their investings
and everything, how did you dothat? And I thought they'd give me
(25:24):
this huge book and a long, youknow, do this and all the steps,
hundred steps worth ofanything. And they, we, we just chose
to let God be our partner,whoever God is to that person. They
said, we tried to tap into himand ask him questions. What are we
supposed to do next? Andinstead of saying to myself in 2008,
(25:45):
well, I don't have anypartners, what if I would have tapped
into that and just asked who,who could be my partner or who, who
knows more about real estatethan I obviously do? Who knows more
about businesses than I doright now? Like we said, there's
so much on the Internet now. Imean really just. And AI and all
(26:09):
kinds of resources that we have.
The AI I mean the Internetobviously democratized information.
It made, think about it, thereused to be, it used to be really
hard to find something out.And then we invented libraries and
then you could go to a libraryand find stuff. And then we invented
the Internet which broughtlibraries right in your face. So
everything that there ever wasis right here. And now we've, with
(26:31):
AI we've democratizedexpertise which is we can sort and
analyze and bring all thatstuff right, you know, customized
to your own needs. And youmentioned something about heavenly
sources or spiritual sources.And I talk a lot about that in different
ways. And I'm not trying toprescribe anybody's religious orientation.
(26:53):
But what everybody's,everybody knows, especially in times
of urgency, right, is thatthere is something more than us.
There is something above,bigger than whether you're an addict
in a 12 step program orwhether you're a new parent trying
(27:13):
to figure out what the frickto do with a kid that's seems.
Crying for five hours.
Well, yeah, busted. Somehow oreven, you know, I had a lady that
I interviewed and her and herhusband were model people on a regular
marriage and good stuff. Andboth their sons ended up with terrifying
addiction problems in likehospital and near death and all stuff
for no apparent reason. And sowhat do we do? And I love the fact
(27:38):
that you mentioned thatbecause each of us has the opportunity
to seek and receive guidance,inspiration I'll call it. And I'm
not telling anybody how tothink about that, but I know it's
available. What do you do?What if you're willing to share,
what do you do to create a, acircumstance in your heart or your
(28:02):
life where you're open toreceiving inspiration or ideas?
I purposely turn offeverything, all the noise and all
the Internet and all the clickhere, click here. You could, you
know, all that information.And I'm just in a very quiet place
in my mind, in my heart andthat might be outside, walking around,
(28:26):
it might be in my prayer timeor meditation, different ways that
people can find that a quiet.And so it's when I'm in the most
quiet that a little thought ora little idea will come. And I've
learned to capture that and atleast write it down and think about
and like how could I takeaction on that thought?
(28:48):
Now I thank you for sharingthat and I want to dig into that
just a little bit more becauseyou said two really important, three
really important things One isintentionally quiet the noise.
Yeah.
So whether it's tv, Internet,people, whatever, intentionally quiet
(29:08):
the noise, turn it all down.
Yeah.
And the second thing youmentioned is pay attention to the
little thoughts and feelings,like, be awake, be aware, pay attention
to. Listen for those ideas.
Yeah.
You know, intuitions,inspirations, calm, whatever you
want, but pay attention. Andthe third thing you mentioned was
(29:31):
then have the courage to takesome action on that. It's good. It's
right. There's a positivething here. It's not just a, you
know, fly in the jello of mybrain. It's a. It's a real. It's
a real thing, and it's thereto help me. I agree with all three
of those. Slow down, payattention, and then take some action
(29:53):
on that. Is that a skill thatyou think anyone can develop if they
want to?
Absolutely. Yeah. And you'veprobably seen this too. It'd be fascinating
to see what you've watchedhappen for people. But definitely
I feel stronger in that myselfthan I was in 2008 when I just said,
well, I can't find anypartners. Okay. Now if I find something
(30:18):
that I want to do and I know Idon't have the resources to do it
on my own, I'm always like,all right, what team do I need? What
people can help me with this?I read two books too, and that helped.
One was who, not how, and theother was 10x is easier than 2x.
And both of those gave me alittle mindset, tweak just. Just
(30:39):
a little bit that I'm like,you know, we could really make this
really wonderful for a lotmore people if I didn't insist on
doing it all myself. And if Idid find the who, someone who knows
what I don't know yet, becauseI know that I still don't know everything.
And what I don't know that Idon't know is my most expensive cost.
(31:02):
In our mind, in our.Everything we're trying to accomplish
in life, to get to thatultimate life that you teach people
about. What we know is very expensive.
It is very expensive. And Ithink of it this way. The idea for
me that I have to do somethingmeans I have to know all those answers.
(31:23):
And I view that as, like,supreme arrogance. Like, who the
heck am I to think that Iwould know that instead of taking
advantage of accumulatedwisdom, mistakes offered help. And
maybe you pay for it and maybeyou don't. And I don't think that
even matters, because if itcuts a year or 10 or longer off my
(31:46):
learning Curve and takes ayear or 10 of suffering or struggle
or anxiety out of my heart.It's like I don't even care, right?
I'll pay that what I have to pay.
Pay it in a heartbeat becauseit takes, you know, it subtracts
all that, that anxiety out ofthat. So what, what, what haven't
(32:12):
I asked you about that? Youreally want to make sure you teach,
that you teach or share orgive to the listeners?
Well, I'm really thankful forthat question. The biggest thing
is that one person can make abigger impact than they think. I
(32:34):
read a book by Andy Andrewscalled the Butterfly Effect. It's
very short and a lot ofpictures, which made sense to me
and I share it with mychildren because they can read it
in five minutes. And it wasabout George Washington Carver. That
was a little teeny baby. Hisparents, he was orphaned in the war
and someone found him in aburlap sack and they took the time
(32:56):
to make a difference for himand they taught him and raised him
as their own. And because ofthat, billions of people were fed
from what George WashingtonCarver learned and was able to share
with other people who thenshared it with other people. Right?
Our, our life ripples out. Theone conversation, one phone call,
1, 110 minute step forward ora video that you watch or a book
(33:20):
or a person you learn from orsomething can ripple out. To have
such a big legacy and animpact on other people like we. I
don't have to take 30 years topay that darn house mortgage off
anymore because someone showedme a YouTube video about it five
years ago. And whatever it is,you know, you want your health to
(33:42):
improve or your relationshipsor whatever. I think we underestimate
the power of, of one person.It's, it's that butterfly effect
that, you know, billions ofpeople were fed because someone was
kind to that little baby in asack and didn't forget him.
I, I love that and thank youfor sharing that thing. Because the
(34:05):
truth is, each of us, each ofthe listeners, and you and me, we're
all from the same place. We'redivine beings. We were created with
the mission. We were createdwith a purpose. Nobody's going to
come and make you do anything,but nobody can keep you from it either.
Right?
And if you make up your mindto go create meaning and purpose
(34:28):
and, and you choose to do itthe way that suits you best, you
can have a big impact. My goalthis year is to, has been to reach
300 million people with thismessage of purpose, prosperity and
joy and the podcast and 21books and number 22 is nearly done.
And you know, I've been on700. All that stuff is just aimed
(34:52):
at that goal because like you,I know that the yearning that we
have to serve is divine. Thegood that we can do is limitless.
And we have that opportunityto do that. And I really want to
thank you today for sharingyour love, your spirit, your encouragement,
(35:18):
your smile, the brightness ofhope that you bring. Thanks for sharing
that with me today.
Thank you. I appreciate that.I think it's amazing what we can
do to help each other, andit's a good thing.
I love it. And it is. Now, aswe get ready to be nearly done, I
want you to tell people againhow to find anything you want to
(35:42):
share, like if they want more,Ann, if they want to find out more
about you or your familypersonally or about the tools that
you've taught about mortgagesand real estate and etc. Etc. Where
do they need to go to find outwhatever it is that they might want
to know after listening to you?
(36:03):
I'm ann@lifekeeperlegacy.comalthough the fastest is probably
annsplan.com just giveyourself that permission slip to
try something, to look at itand see if it could help if. And
you'll know right on thatphone call, that first phone call,
you'll be like, okay, that'sgoing to work for me. And by a year
(36:25):
from now, this is what wouldbe happening in my family because
of it. I, I kind of likerecipes. Just give me the ingredients,
let me know that the recipe isgoing to be ready for dinner and
we're good to go. And becauseI, it was hard for me, the 20 years
that I spent in the. I can'tdo it. I don't know. I, you know,
let's just give ourselves thepermission slip to try it. And annsplan.com
(36:49):
Kellen so they can find you and.
Okay, well, thank you.Annsplan.com and the other one was
an.
@Lifegiverlegacy.Com that'sour business name, but we.
Had an email and at Life GiverLegacy. Okay, so Ann splan.com. yeah,
and there's some videos towatch. And Ann, @lifegiverlegacy.com
(37:13):
you know, the opportunitiesthat we don't take, the opportunity
cost, the excuses we makebefore we even try about. Yeah, but
it won't. Yeah, but, yeah,but. Yeah, but.
Yeah, but I can't find anypartners for 10 years.
Yeah, yeah, but, you know, Ithinks of Bugs Bunny, Webbit Webbit.
Right? Yeah, but yeah, butyeah, but yeah.
(37:35):
But yeah, but yeah.
It's just not true.
It isn't.
Well, and again, thank you.Thanks for being part of my show
today or our show together.
Thank you. That was a. It wasa treasure for me. I appreciate that
so much.
All of you, I want you to takethe opportunity to listen to this.
And I don't actually know thedetails of the plan or process that
(37:58):
she shares, but I do know thatthere are many ways that both financially,
I've got a guy, a friend ofmine who teaches a investor school
and in real estate school and,you know, so all of these things
are there and they're possibleand they're available. So if you're
making up a story about why itcan't work for you, that's going
to be a big opportunity costfor you. So go check it out because
(38:21):
if you take action, even alittle one, moving forward today,
you will be a step closer tocreating your ultimate life. Quiet.
Open your heart.
And this time around, righthere, right.
(38:41):
Now, your opportunity formassive growth is right in front
of you. Every episode givesyou practical tips and practices
that will change everything.If you want to know more, go to kellenfluekegermedia.com
if you want more free tools,go here YourUltimateLife.ca Subscribe.
(39:05):
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