May 12, 2025 • 59 mins
Right Thinking with Steve Coplon | Guest: Johnnie Lloyd
This week's show is called "An Apple a Day Keeps the Doctor Away" with guest Johnnie Lloyd. Tune in and hear Steve and Johnnie continue their series Right Thinking: Life, Money, Relationships. This week taking a look at how health issues can have a devasting impact on your life and how you want to put yourself in a position to simply do the best you can.
https://www.talknetworkradio.com/hosts/right-thinking
This week's show is called "An Apple a Day Keeps the Doctor Away" with guest Johnnie Lloyd. Tune in and hear Steve and Johnnie continue their series Right Thinking: Life, Money, Relationships. This week taking a look at how health issues can have a devasting impact on your life and how you want to put yourself in a position to simply do the best you can.
https://www.talknetworkradio.com/hosts/right-thinking
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:14):
There must be lies, Parning Brider somewhere, got to be birds.
Hi Sky, Good morning, welcome to Right Thinking with Steve Copeland.
I'm your host, Steve Copeland, and thank you for tuning in.
(00:36):
Let's have a great day. Good morning, everybody, glad to
be with you. Well, today's episode two thirty five Right
Thinking with Steve Copeland is very pleased to announce it.
This week's show is called an Apple a Day keeps
the Doctor Away with guests Johnny Lloyd. Tune in and
(00:56):
here Steve and Johnny continue their series Right Thinking, Life, Money, Relationships,
this week, taking a look at how health issues can
have a devastating impact on your life and how you
can how you want to put yourself in a position
to simply do the best you can. Well, Good morning, Johnny.
Speaker 2 (01:16):
Good morning Steve. This is a great morning.
Speaker 1 (01:19):
It is that so you know, I hope you liked
the title of today's show. I didn't share it with
you ahead of the time. I wanted to surprise you.
Speaker 2 (01:28):
I love the Apple to day. I really like that.
Speaker 1 (01:32):
Well, I'm an old guy, and I wonder if if
everybody understands an Apple a Day keeps the Doctor Away.
That that was that was all we knew was a kid.
You know, if you eat an apple every day, you're
going to stay healthy. Didn't know why, you just knew
you were eating a good piece of fruit. But I
had I have a buddy, a good, good, close friend, Jack,
and right out right out of high school. Uh, he
(01:55):
went to Australia and he worked as an apple picker
in the out back in Australia for a year and
he ate tons of apples and he was the healthiest
he'd ever been in his life. So just you know,
an apple a day keeps the doctor way is good wisdom. Well, Johnny,
I'm gonna throw something at you. They're really serious, and
(02:15):
I'm gonna maybe I'll catch you on this one too.
Are you ready? Absolutely, Humpty Dumpty sat on the wall,
Humpty Dumpty had a great fall. All the king's horses
and all the King's men couldn't put Humpty back together again?
Have you ever heard that?
Speaker 2 (02:35):
Absolutely? Our age?
Speaker 1 (02:38):
I am telling my age. You know, yeah, But here's
my thing. That's why I want people to maybe listen
to me. They might not like some of the old
stuff I come up with, but hopefully there's some there's
some good wisdom built into what you and I discussed.
Now you know why, you know they couldn't all the
king's horses and all the king's men couldn't put Humpty
(02:59):
back together again. Well you know the truth of that
is they could have put him back together again. But
you know why they didn't because he didn't have good
health insurance. Today's show, Johnny, it's all about health. And
but what we do, I mean, we're we're not you know,
we're not doctors. But what we are trying to do
(03:21):
is help people have a better life through their financial
management of their personal affairs. And what we want to
do today. We covered insurance last week just to kind
of overview of a lot of things about insurance. I
hope we didn't leave out too much. I got a
lot of really favorable responses about you know what we did,
(03:44):
trying to get people to think, you know, that's all.
If I had a sum up last week, it's real simple.
Insurance can help you a great deal. And sometimes it
seems unaffordable and you've got other things that you think
you have to do with your money, but think twice,
because if you don't have insurance and something happens that
(04:06):
insurance could have helped you without ruining your finances, then
maybe you should have sacrificed a couple other things. The
substitution principle might not be so fun not to go
to the movies like five times a week in order
to have a good good insurance policy. Particularly, don't let
your automobile insurance labs and not pick it back up
because you're having too much fun with your entertainment and
(04:27):
other things. No, it's about discipline. But Johnny, we're doing
financial program here that's trying to help people manage their
financial affairs to a better life. And today we're going
to talk about one of the most important parts of
your life, and that's good health and how insurance, good coverage,
(04:48):
planning for it can help you. So I gave my
opening comments today, So why don't you give some thoughts
on the importance of good health. You know, actually I'm
already given some of what we're advising when I say
good health. We're going to talk about health issues today
and finances, So why don't I just throw it at
you like that, assuming that you agree that having good
(05:11):
health is going to be less expensive than not having
good health. Johnny, good health.
Speaker 2 (05:16):
Yeah, absolutely. And the thing because every age troop is
being considered in this and one of the things that
we have to remember is that as we go for
the success that we're so excited about, we don't want
to do things that would hamper our health. Because it
(05:38):
has been noted in through different documents and research that
a lot of people went after success and ignored their health,
you know, by being in stressful situations and not taking
care of themselves. And later on in life those resources
that they thought so hard for, those resources are used
(06:00):
to get them the help they need and when they
are older now there are always other opportunities. It doesn't
mean that everybody that's unhealthy or sick or have eternal
illness or whatever that it was because they didn't take
care of themselves. That's not it. However, when you take
care of yourself, it just helps you to get through
(06:25):
whatever it is you need to get through. When he
was talking about Hunty Dumpty, it was funny. One of
the things I remember I thought about is the breaking
of things right. Sometimes when your life and situations happen
in the arena of health, it actually impacts not just
(06:45):
your finances, it impacts your relationships, it impacts your job,
it impacts your family, it impacts everything. Right, So the
more you take care of yourself on a daily basis,
whether it's you know, when I think of eating an
apple a day, it takes the doctor, keeps the doctor away,
(07:07):
it's doing the right thing for you on a daily basis,
that will help promote the thing you should value, which
is your personal emotional, physical, spiritual wellbeing. That is the key,
because when those things are out of kilter, what happens
(07:28):
is is it impacts your life. Now we're talking about money,
but money, let's say this. We're talking about wealth, not
just money, because wealth is actually your resources, your health,
your relationships, all of those things, right, So the key
with that is when one of those are out of balance,
(07:52):
then it impacts or puts stress on the other areas.
So health is critical whole. So start taking care of yourself,
take breaks and stuff like that, take care of you
and cover yourself. And we're going to talk a little
bit more about that. So stay tuned.
Speaker 1 (08:11):
See that's very good. If we were going to talk
not just about the finances overall health things like that,
I think we could go that direction too. But everything
you just said leans toward a holistic point of view.
And because you brought up balance and that's the secret
(08:31):
to holistic type things. It's a good balance natural things.
And so you know, hopefully today we're not going to
overstep our balance and get into being like, I'm not
a nutrition expert, but I'll tell you that I do
like to eat certain foods. You know, Bananas keep you
having from muscle cramps, you know. But yeah, so but anyway,
(08:53):
you know, we're talking about apples and bananas, you know,
Like we don't want to get into apples and oranges though,
because then we're talking one thing and we should be
talking another. You know. Uh, there's there's a there's a
there's a song that's not much in the song that
relates to what we're talking about except for one line
that I that I really like because it's a transition
(09:15):
into financial well being as well. It's the Alman Brothers
rambling Man and it's you know, lord, I'm a rambling
man trying to make a living doing the best that
I can. But that's what I want to center in is, Uh,
we're all trying to make a living doing the best
that we can, at least at least I I that's
where we're trying to get everybody, you know, we're trying
(09:36):
to get him one step further. If you're trying to
make a living and doing the best you can, we
want to get you out of rolling the dice and
just being a pink pong pall in life and doing
more planning. And so I want to throw something at you, Johnny,
that that I did when I was thinking about this.
I have five things here that I think that will
(09:56):
help a person in their financial life. And it starts
with if you are going to ever, unfortunately have a
diagnosis that's a very serious type of an illness or
condition that's going to take a lot of ongoing care
and be a financial drain, you know, any kind of
(10:19):
chronic illness that requires a lot of medications. Perhaps it
requires a lot of doctor visits. It could require you
to adjust your lifestyle because you might not be able
to perform at the same type of a job, a career.
You might lose your ability to do what you used
to do. You may have to go through retraining, you know,
get educated in something all over again. It's that's why
(10:42):
I said, it's so devastating your life canternal or dime
when medical things happen. And I know many many wonderful
couples that have a beautiful life and then an illness
or an accident can just change the whole course of
their life. And there's tragedies involved here, and so I
(11:05):
don't want to I'm not being frivolous in any way. Please,
I think that I personally, I think it's okay for
me to talk about this because I myself have gone
through over twenty years now, and that's not counting since
over forty fifty years, maybe forty five. I've had numerous surgeries,
(11:30):
probably seventeen surgeries in my life, Johnny and I've had.
I've had. I have two terminal illnesses and along with
that a lot of other conditions. So I do know
about the financial impact. And for me, I just want
to say this. I never asked for my illnesses. The
diagnosis came as a shock to me, but they did
(11:50):
cause me to make changes. But being the person that
I am, I didn't want to cave in and just
accept that I have all these I can't do certain
things anymore because in other words, I'm not saying I'm
a superman, not at all. But what I'm saying is
is that I'm not going to quit. I'm not going
to give up when I'm going to keep going. And
the very first thing that I want to say about
(12:12):
when you when you've got serious diagnoses like the ones
that I go through. You know, both my cancers are
two incurable cancer. It's multi my loma, it's it's acronyms
incurable bone cancer. It's a cancer of the blood in
the leukemo infoma society, uh, and the bones themselves. And
(12:33):
I've seen I've seen my oncologist hematologists every single three
months or sooner for over twenty years now, and then
every time I go I get a series of different
types of bills. I've discussed that in the previous show.
I have other other incurable cancer too. I don't need
to give the details on that one as much prostate cancer,
(12:55):
but you know, I ended up with asthma that I
never had. I ended up with COPD advanced stages chronic
kidney disease. These things sound like, oh my gosh, But
you know what, I'm overjoyed to say that most everybody
that knows me, they really have no idea of what
(13:16):
I go through. I have to take a lot of downtime,
but people don't know that I make it productive as
I can. I read it work out of my own house.
But what I'm getting at is I developed five pieces
of advice that I want to lay out on people
that relate to their finances. And it's basically, these are
(13:38):
things that you should do while you have your health,
before you even ever get a diagnosis, like the types
I'm speaking of. In other words, preventative medicine. You know
we're talking about health, We're talking about medicine. This is
preventative one. Maintain good credit. You do not want to
(13:58):
go into an illness with bad credit. And we'll talk
about why you don't want to do that. In a minute,
we'll give the outline. Discipline yourself too, Discipline yourself to
have a strong regular savings program. We've talked about these
things and all the other shows anyway, Johnny, you know,
(14:19):
the emergency fund and all that kind of stuff that
we talk about. Good credit. We've spent a lot of time.
Be sure to have good health insurance. Without insurance, you're
not going to get all of the all of the treatment,
all the care, all the medications that you're going to need.
By as much life insurance as possible. Last week we
(14:42):
really we pretty much dwell out on life insurance. It
just kind of went that way because you and I
both are family oriented people and we care about other people.
We don't want to leave them. You made a comment
that I thought was very good. People are going through grieving,
they're devastated the loss of a loved one. They don't
(15:04):
need to go through financial crisis if it could be avoided.
So people really ought to be thinking about that. Now.
I have known a couple of people in my life
that they didn't care much about other people and they
wanted to spend the very last dollar that they had
the day that they die. And I have to tell
you not a lot of respect for those people that
I just mentioned. But that's maybe that's personal. Maybe I
(15:25):
shouldn't be talking about that. And here's the last one though,
and this is what we kind of started off with,
stay as healthy as possible. And here's here's something that
is part of my discipline. From June to November, Virginia Beach.
I drive twenty miles every day and I swim in
(15:46):
the Atlantic Ocean at Virginia Beach. And it's hard to
fit in that time because the traffic's gotten worse and
worse over the years. I'm in about my ninth year
of doing it like that. I try to get in
unless there's a reason that I just can't go. I
try to schedule at least a two hour part of
(16:06):
my day where I can get to Virginia Beach, get
in the ocean for thirty forty five minutes, relax down there,
and that keeps me healthy. COPD is a dehabilitating chronic
condition that is basically not curable. It just gets worse
over the years, and the very best thing you can
(16:28):
do is keep your lungs and your breathing as healthy
as strong as possible. And if you do that, you'll
at least slow it down and be able to stay
in overall good health. And so the holistic approach that
we're talking about again is just try to keep a
(16:49):
good balance in your life. But it hurts me to
see people because I'm very fortunate that I'm where I'm
at with my discipline, I hold a lot. When I
was younger, I might have worked way too hard into
the night and that might have hurt my immune system.
And I sometimes think that's a big part of why
I even did get my cancers is because I I
(17:11):
pushed for too many years, and so that's a lesson
that I learned. I guess that's the best piece of
advice that I want to offer. I think that if
you run yourself down constantly burning the candle at both
ends proverbally speaking, pushing yourself constantly, you're going to run
your body down. You're going to run your immune system down.
(17:32):
It's like back trouble when you're young. People that were
construction I worked a lot of construction. I was. I was.
I was in great shape. I could I could hold
my own with people that were much, you know, larger
than me, could lift a whole lot more tote more
lumber than me, or could they should? I mean I
could keep up with them, you know, I could carry
(17:52):
heavy things. You can have a back injury that is
masked m a s k ed by by your overall
strength when you're young, but when you turn forty five
or fifty, it might show up in the form of
a back trouble, a back condition. And when you see
your doctors and say, well, what did you do to
your back, and you say I don't really know, they'll
(18:13):
ask you questions and they'll uncover that you might have
injured your back but not given into it and continue
to do the same things that are putting that extra
stress and pressure on your back. Sir Johnny, I just
wanted to give that kind of kind of preface to
the listeners about my own health because I have used
(18:36):
financial management to have the highest quality of life relating
to my ability to have good insurance and have all
the medications that I need ongoing, and to be able
to free up my life, to have good exercise to
keep me strong and healthy and eating right, etc. And
(18:56):
people that people that are under so much pressure is
they have a hard time affording the things that give
them that freedom that I just spoke that I have.
I want to help people have the freedom that I have.
And uh, and so that's that's really what this show
for me is about. And but we're looking for for
(19:17):
pointers that we can give people on how they can
have better finances so that they can weather the personal
storm of medical hardship. So let's let's let's turn it
back over to you, because I'm given too much of
my life story here. I didn't mean to do that.
Speaker 2 (19:35):
One of the things actually Steve, the things that you
gave were really powerful when we look at it at
a big picture because what you part of what you
did was you did purchased a lot of insurance at first,
and that insurance help you through the process so that
you would not be natively impacted. Now, a lot of
(19:58):
people say, well, why are y'all stressing on insurance when
it relates to health, Because one of the ways that
people have moved from whatever status they were in life,
whether that be middle income, you know, wherever they were,
is health. Health has bankrupt more people than you would imagine.
(20:20):
So the key with it is if you're not prepared
for a health issue or situation, a negative health situation,
then that could absolutely throw a wrench or a hole
in your ship that's so big that you won't have
(20:42):
what Steve has to recover now when he talks about
all the things that he's dealing with, the real issue
is is that he's still He's still moving forward, he
is not stopped. So part of that is his positive
mental attitude. Right, So you have to have a positive
mental attitude about your situation even when someone tells you
(21:06):
it's dire. So the issue is is that you can
have something that others say or you know that you've
been diagnosed with. However, you can sit there and say,
but this is not going to take me out. This
is how I'm going to solve this issue. And so
that's what we're talking about. We're talking about solutions. We're
(21:28):
not just talking about the problem. We're talking about solutions.
So some of the solutions I would tell you to
look at right now, as we've talked about accumulation. Right
when you look at accumulation, where do you accumulate your
resources that can get you through any situation, whether it
be retirement or whether it be your next phase of
(21:50):
what you're looking for in your life, to shift you
on your family, whether it be a health crisis, regardless
of what it is. Right So, accumulation is budget planning,
because if you don't plan now, if you don't use
those skills, if you don't learn those tips and tricks
and habits, then when something dire does happen, you'll be
(22:13):
worse off. You know why, you will not know what
to do, or you'll start trying to do something that
you don't have the habit for in the middle of
a crisis. So budget planning or cash flow planning that
we've talked about before. Our key to do it when
you don't need it, so when you need it is
(22:34):
in place. Then the other thing is to make sure
that you have set up a retirement plan right, that
you've set yourself up for that. And then we talked
about life insurance pretty detailed last time. You remember we're
not insurance agents. We gave you a lot of information.
So then the other thing that I'm going to say
is look at your emotional you know how when Steve
(22:58):
was talking about some tips, he listed tips, five great
tips to have when you're looking at your health or
your future, looking at the impact of a negative health
situation can have in your life. One of them was
good credit, having the savings program, having good health insurance,
(23:19):
having life insurance, and he said staying healthy. So my
thought was, well, how do you stay healthy. One of
the ways you stay healthy is you put you on
your calendar. Okay, I'm gonna say it again, you put
you on your calendar. You know, our calendar is so
(23:40):
filled with a lot of other things, especially when people
are driving for success. However, you need to put something
on the calendar for you. If that's time for meditation,
if it's time for exercise, if it's time for family
at this time, just to sit down and watch a
movie that just makes you laugh. Do you know? Laughter
is a healing helps you heal when you have that,
(24:03):
but you know the stomach belly laughter is what they
call it. When you laugh like that, it helps you
in the healing process emotionally, physically, spiritually, it helps you that.
So I have in addition to the meditation, I have
a spiritual regiment. Now what is your spiritual regiment?
Speaker 1 (24:25):
You know?
Speaker 2 (24:26):
Because I know that there's a higher power, right, so
I don't feel like I'm a victim. I feel like
I have help. So where's your help coming from? So
then the other thing is when you look at help,
who's surrounding you, who's in your sphere of influence that
you're influencing, and whose sphere of influence are you in
(24:50):
where they're influencing you. And the reason I'm gonna say
that is stay out of areas that are toxic. Do
you hear me? Tax Being in an area or with
a person that is always negative will impact you emotionally,
it will impact you physically because a lot of times,
(25:14):
based on who you are and most of it is
if a person gives us a problem and they tell
us the problem every day before we know it, we
feel heavy, We feel burdened. Right, that's not our burden
to carry. So be careful when you pick up everybody
else's situations and you put them on you, because you're
not superman and you're not superwoman. Toxic environments are kryptonite
(25:40):
and they are something that will hurt you at the
DNA level. So the other thing I said was is
to be the best you you can be. Don't look
at other people determining what size, what shape, any of that.
Find out how you can stay healthy. Two ways that
(26:03):
most people don't look at is we take our vehicles
and we do maintenance on our house. We do all that,
but we don't do any emotional maintenance. Once a year
at least or every two years, do an emotional maintenance
where you go to someone and you just go through
and just make sure you're okay emotionally okay. And then
(26:28):
the other thing is physical maintenance. You cannot not go
to the doctor for ten years and then show up.
There's a lot of things that happen in ten years.
You need to go to the doctor and have regular
maintenance on your body so that if or when something
pops up, you are ahead of it. And when I
(26:50):
say that, that doesn't mean you avoid it. That means
that you have a specialist thus talking to you from
that perspective to help you move forward. Now, let's put
this into reality. The reason those two are so important
is because when you have emotional well being and you
have physical well being, then you won't need your insurance
(27:11):
as much. However, that's what the insurance is for, right.
The health insurance is to help you in need to
pay for offset some of those costs Number one. Number two, though,
let's talk about your the people that you're working so
hard for. I don't care how much insurance you have.
You want to be healthy as healthy as you can
(27:32):
possibly be. Now, insurance is about risk and reward. Right,
you have insurance to offset any risk factor that could
come up, and your reward is peace of mind. So
it's an investment that everybody needs to make at some
level to make sure that when you think of going
(27:56):
to a doctor, you're not sitting there saying, well, I
can't go because I can't. No, you're worth it. Can
I just say that.
Speaker 1 (28:03):
You're worth it.
Speaker 2 (28:05):
We get one chance with one body, okay, and when
we don't take care of our body from the cround
of our head to the sole of our feet, when
we don't take care of us. Now you can have
what they call it. You can have additional parts. You
can have a new knee and all that stuff. But
in but every time, it's a replacement part to what
(28:28):
you were originally had. You don't necessarily want to be
in that place. You want to keep your original equipment
as healthy as humanly possible so that you can have
the best life of her.
Speaker 1 (28:42):
See Johnny, I hope I can get all these note
sides of this took. I took about twelve different topics
that you just said, and I've got a comment on
each one, so let me sort of tap them off.
I'll leave out a few. Johnny, you were wonderful. You
just said a person that goes through as much as
I do. To hear you talk like that, it just
(29:05):
makes me smile because you understand. One of the early
things that you were saying made me just think. You know,
we're talking about preventative things that we can do, you know,
staying healthy. That's the best that you can do. Hey,
if you stay completely healthy and never have to see
a doctor because you just have excellent health, you don't
have to worry about all those other things with you
(29:25):
don't need as much in that emergency fund. You don't
need insurance as bad, but don't risk it because certain
things with health can change overnight. And so you don't
want to say, I've been healthy for forty years. I've
never had to go to the doctor other than the
every six months to get my teeth clean, so to speak. Well,
be ready for it, so you know, be a scout,
(29:47):
be prepared. Okay. The military has an expression and strategies
of campaign in warfare preventative strikes. You know that. That's
another one there too. But one of the things that
I like to share with people as the spokesperson for
the Leukemo Infomas Society Late the Night Campaign, which is
(30:08):
the largest blood research shob organization in the world. They've
done more breakthroughs. I think they're under the forty billion
dollars worth of funds that committed to cancer blood research
in the last thirty five years or so. That's I
remember it because I think it was averaged about a
billion a year for over thirty five years now. You know,
(30:31):
when I speak, a lot of people that are just
recently diagnosed with cancer are rightly so petrified. But what
I try to help them with is to make them realize,
your life's not over. You know, You've got something new
that you have to deal with, and the better that
you can deal with that, the more you'll realize some
(30:52):
of the truths that are out there. And one of
those truths is this technology that we're seeing every day
with all these amazing things where we've got rovers on
the moon and all the other kind of stuff, and
in communications and you know just where Wi Fi went,
you know, all the things with you know, internet and telecommunication,
et cetera. Those same things are happening in the medical field.
(31:14):
And I've got a very close friend, you know, and Marty,
May may he rest in peace. He was just the
most amazing saint. Marty was one of the very first
people to have experimental well it just got improved. He
was one of the first ones when it came out
to experimental developmental stage. It's called car T car T.
(31:36):
It's the most advanced form of cancer fighting where they
actually program your T cells in your body to go
in and it's called a living therapy because once, once
they take out your own T cells and they reprogram them,
and I had to be genetically reprogrammed little teen microscopic cells.
(31:57):
You know, That's where we're going with the world here.
But there's going to be more and more of that.
So cancer one day will be defeated and it's getting closer.
So if you have to go on a medication, whether
it be a cholesterol medication or a high blood pressure medication,
or a or an osteoporosis medication or anything, even though
(32:19):
it's fearful to take that medication because of side effects
and sometimes you can't get off of medications, there will
be new advancements coming and they're coming quicker and quicker.
They're kind of geometric, not arithmetic the way they're developing them,
and so don't worry about it. Just have faith. That's
one thing we haven't mentioned yet. We talked about a
(32:40):
spiritual life here, But have faith with the knowledge that
mankind and all the wonderful scientists are out there will
be able to come up with new things that will
make us live healthier, live longer, be stronger. That's my belief. Well,
one of the things that I want to tell you
(33:02):
is when you have things happen. I have a brother
that is a juvenile diabetic. He was diagnosed with diabetes
at twelve years old, and so I did a lot
of research. And I'm thirteen years older than my brother,
so I'm like a big brother, you know, older brother. Well,
I learned that swimming was the number one thing, well
(33:26):
that was for his asthma. By the way, he had
asthma too, it came at the same time. So I
taught he had a swim We swam all the time
at the YMCA pool and that built his lungs up
and it controlled his asthma. He very seldom ever had
asthma problems. But I read a book on diabetes because
I wanted to know more about it because my brother
suffered from it and was diagnosed, and they gave you
(33:49):
a really short life expectancy. And at one time we thought,
oh gosh, you know, I mean, we're talking a long
time ago. But you know what, my brother learned to
control it. He's had his he's had his bouts with it,
no question about that. But he became disciplined. And the
very last chapter of the book that I read on
diabetes was just perfect for me to read, and it
(34:10):
said the advantages of being a diabetic. It's like, what
the advantages of having that diagnosis? Like most people would
never think there's an advantage to have it something like that,
But what it was was it said that when you
become a when you get a diagnosis of something like
diabetes or something else, you start paying attention, You start
(34:35):
looking at it in your and you start the worst
thing about a diabetic that I learned with sunburned feet,
burning your feet. I don't know why exactly, but diabetics say,
you don't want to You don't want to go to
the beach and get the bottoms of your feet really burned.
You don't want to step in the hot, hot stand.
You have to be careful because your feet don't heal
so good. Diabetics have really bad things that it can
(34:58):
progress into. Well, that whole chapter, though, just said that
people that are diagnosed with diabetes, they will tend to
pay closer attention to their overall good health and be careful.
They start doing they're very important with sunscreens and things
of that nature because of what I just said. But
(35:20):
they eat differently, they watch they watch their intake carefully,
and so it's the same with your finances. If you
learn how to be disciplined and you take good care
of yourself, there's nothing you can't deal with. And what
I tell people when I do my speaking is what
I'm trying to tell you when you get diagnosed with cancer.
(35:41):
What I try to do is I try to share
with people that have been recently diagnosed and those that
have been caring it for a while. I share the
hope that I have that there's going to be more advancements.
That's one thing. But what I really want to let
people know is I know that you just diagnosed. I
know that your life has just been turned totally upside
(36:03):
down and you're just thinking all the terrible things. And
I went through it myself. Shorter life expectancy, Oh my gosh.
You know they told me that I you know, with
five and a half years life expectancy. Well, we've had
a patient that's gone as far as eight. That's frightening news.
You think that all of a sudden, all the things
that you look at for your farness and future have
(36:25):
been erased. Well, let me tell you, I thought that
I would never see grandchildren at the time that I
got diagnosed. I have eight grandchildren now. But the other
thing is when I gave my last speech, so to speak,
there are a couple three thousand people or so at
a light to night a couple of years ago. It
(36:47):
was two and a half years ago. I'll tell you
how I know. My grandson Max is my eighth grandchild.
And well, right when I was talking about how I
never thought I'd see grandkids, my wife and my daughter
in Las Stacy came out on the stage. It was
it was a beautiful it was I knew they were coming,
they were cue when to come, but no one in
(37:09):
the audience knew. And they they brought Max out and
presented him to me, and and I held him up
like in the movie The Lion King. And it was
right around it was in October, and he was wearing
fall colors. But I held him up and held him
up like they did Simba the Lion King. That's probably
the happiest moment in my life. So, Johnny, everything we're
(37:33):
talking about, you know, are there any specific things that
people can do when when they have really hard finances
get insurance? But there's there's there's public assistance and never
be ashamed. Never be ashamed. If you have to go
on any kind of public assistance program, you know there's
I don't get into politics, Johnny. I love everybody and
(37:53):
whatever your circumstances are. If you have to be on
public assistance any kind of uh social welfare program or
something like that, that's okay, but don't try to stay
on it forever. Try to try to let it get
you to the next plateau, higher place in your life,
rebuild yourself, try to get off of it. And there
(38:15):
are so many wonderful programs that nobody knows about. And
let me tell you I've spent years with my financial
struggles because it's expensive. You know, I have an acronym
cancering cheap when you go through through fighting illnesses. There's
something that I did and I learned this, and I
just want to say thank you. I want to say
(38:38):
thank you to so many organizations that were there for
me that I found out about. Well. I mentioned the
Leukema Infomas Society LLS. I was on their financial assistance
program for five years. And let me just tell all
of you most people that are listening or you know,
we're stable minded family people. I everything's going well, good income,
(39:03):
taking care of your family. A lot of the stuff
we say doesn't apply to you, you're already doing it.
But let me tell you something that comes suddenly. I'm
a lifetime business executive, you know. I started out as
an accountant. I've been a finance officer in large companies, entrepreneur,
but my finances were devastated people that get these kind
of long term diagnosses. I read one where that forty
(39:27):
percent of people that get incurable cancer diagnosis go bankrupt.
But I did not want to ever go bankrupt. Even
I didn't want to use my cancer. I'm not saying
that you have to don't do it. It's okay, please
don't misunderstand me. But for me, no, I didn't want
to use that as a reason because I have the
ability to put things together. So I fought it. And
(39:48):
I wanted to always pay every bill that kept my
credit right too. But it's all interrelated. So what I'm
getting at in this little kind of emotional speech that
I'm sort of falling into here is couple things. AstraZeneca
is a pharmaceutical company. Merk is a pharmaceutical company. Both
of them gave me free medication for two to four years.
(40:13):
There's programs that you can apply for. If you're in
a hardship. You see it on TV. If you have
a hard time of forty nine medication, call us. We
have a program and we have financial assistance. Do not
be ashamed to reach out because you need to, and
so it's there for you. My analogy is everybody knows
about college scholarships that ninety percent of them go unused,
(40:37):
not unapplied for, and it takes a really smart person
that comes from a I know many people that come
from a background where the finances are very low in
their family, and some of these people get four year
scholarships because they work hard to uncover where the scholarships are.
They write the letters, they take the tests, whatever they
send the resumes. They build their life for the resume
(41:02):
by doing volunteer work while they're in high school. Because
on these different resumes, some of these foundations that give
those scholarships say, this is a very deserving person. Make
yourself a deserving person. So there are other pharmaceutical companies
that had these special programs. Lukemulymphoma Society, like I said,
they paid my health insurance and a large portion of
(41:25):
my medical bills. For six years I was on their programs.
And there's income levels, there's all sorts of stuff. I mean,
just with health insurance. I had a family that didn't
have any insurance that I was very close with at
a church that I used to attend. Self employed man.
He had a tow truck service and he needed back
surgery desperately and his business was suffering. I spent seven
(41:49):
hours one night when Obamacare first came out, because that's
how long it took to be on the phone. I
came over his house with my phone charger with me,
and he says, why are you bringing your charger? I said,
because we're going to be on whole for hours. And
seven hours later he said, man, that was the smartest
thing I've ever seen, bringing your phone charger with you.
But I got him on health insurance that night. I
qualified him. He had surgery six weeks later and he's
(42:13):
top of the line. There are so many things you
can do to find programs that will help you. But again,
my only advice to you is, if you are on
these kind of programs, do what I'm doing. Why do
I do the show with Johnny? Why am I trying
to reach out to every one of you because I
want to give back. I want to give back people
(42:33):
have been there for me. I said it with co signers.
If I didn't have co signers on loans throughout my life,
I wouldn't be here talking to you. So when you
love other people, you do for other people. But one
of the hardest things about love is letting other people
do for you. Don't be too proud. So my bottom
(42:54):
line to that is is that you get your finances straight,
be able to afford that gym membership. But that's what
you need. I use the ocean. It's free, but I
pay for a lot of gas to get there. Substitution principle,
take vacations, learn to relax, and so build a lot
of equity, because for me, I've used my equity in
those insurance policies. I've used the equity that I've built
(43:15):
in my home. I've taken out a second mortgage. These
are the kind of things that that I believe are important.
And Johnny, one of the most important things that you
said two things, and I got my notes pretty much covered.
I think I've brought them out here. One is humor
is the best medicine. We've always known that. So just
(43:36):
move toward toward a life of less stress. Don't take
yourself so serious. Sometimes take a break, don't let people
you push that better than I do, Johnny, with you know,
like know what you need to do for yourself, be
your own person. And one though that stands out though
that I've circled that I really want to say to
you is personal hygiene will lead to other things. And
(44:00):
if you end up with you don't have enough money
to go to the dentists. I know too many people
that haven't been to the dentists for five or ten years,
and when they finally go, it's a nightmare because they've
got things that were unattended to, and a cavity leads
to a root, canal leads to an extraction, et cetera,
and so preventative things. The very best thing I can
(44:23):
do to sum up my part of this right now,
and we're not over yet, is do the most you
can to get ahead of yourself to be there. And
a personal goal for me, you know, right thinking life,
money relationships, Johnny, if we haven't kept to our theme
(44:43):
of what we're trying to do is to not let
finances be out overall purpose here. You know, we haven't
quoted hardly any Bible through our whole series here, but
when they say money is the root of all evil,
it's the love of money, not money, because money is
just a tool. So what I'm trying to say here
(45:04):
is is that live a life where you can find
happiness and peace of mind, and finances will help you
do that in all aspects if you don't go too
far into only your finances. Insurance poor last week was
the term that we used. They've kind of approach us that, Johnny.
(45:25):
I'm sure I'll have some more to say, but let
me turn it back to you.
Speaker 2 (45:29):
You know, Steve, you have stand quite a bit, but
it's so powerful is telling your story. You know, I
think all of us have a story that helps people
understand what drives us. And when a person values their history,
they're better to walk into their destiny. I'm going to
(45:52):
say that again. When you value your backstory, the thing
that caused you to be where you are, even though
if you didn't and you didn't like the process, it
helps drive your backstory and helps the backstory drives you
to your purpose, your destiny. Right, So I'm going to
say a couple things, And this is what I'll say.
(46:15):
It's don't wait to get sick to fight for your health.
Don't wait to get sick to fight for your health.
And this is not about age, This is about stages
in your life. Let your health be a high priority,
because this is how you're teaching your children. This is
(46:36):
how you're teaching other people how to treat you by
caring enough about you that you put yourself on your
to do less. This is how do you know how
to take care of other people when you don't take
care of you. Now, Steeve mentioned one thing and I'm
and it's a pet peeve of mine, y'all just give
(46:57):
me a second for this is I was trained with
I wasn't born in the church, but I was really
outside the door. I think my mother had me on
the outside of the door of the church and brought
me in immediately. That's how long I've been in church.
So my point for saying that is this, I was
actually trained in church that money was the root of
(47:17):
all evil. Your mindset about money will absolutely impact every
area of your life. Steve said it so eloquently. He said,
the love of money. Read the scripture for yourself. The
love of money is the root of all evil. Money
is a tool, and in the same Bible it says
(47:40):
that money answereth all things. If you sit and you
don't have no money, you don't have an answer. You
have to go find somebody to help you. If somebody
that you love needs something, you can utilize resources to
help them right appropriately for what I love. Please go
back and listen. If you have anyone in your family,
(48:03):
any information that you need, go back and listen to
Steve's part that he talks about the fact that he
went into the system. See, we want to fight against systems,
we want to fight against people, but we need to
deal with the system. The system is there for you
to utilize it when you need it. So if you
(48:23):
need social help, if you need financial help, if you
need those things, go for it. Do it because you
need it. Pride comes before a fall. You don't want
your pride to cause you or your family member not
to get the services that they need. So and then
(48:44):
this is the other thing for those of us who
can who have the resources. Remember one of the things,
one of the greatest things you can do for your endorphins.
You exercise, you do your endorphins. Give your endorphins increase
you help other people. So I do, say, Jude, I
do Alzheimer's. Not because I know somebody who you saved you. Yeah,
(49:10):
but they weren't in my family. It's just a young
lady that I knew years and years ago. Her son
had cancer and I'm telling you she was working for
the government. However she had to stop her job so
that she could take care of him. They took care
of everything. They took care of everything. So find something
that makes your heart happy and give toward that thief.
(49:34):
I know a lot of us give to our you know,
to churches and things like that. But find something outside
of that, so you can redirect your funds to something
you believe in. You believe in their program, you believe
in what they're doing. That's another way to impact your
health in a positive manner. And it also will break
(49:54):
the mindset that you're a social You're a social because
you go in and you need help. That's not Listen,
we need community. If you didn't hear anything else, we said,
listen to this. You need community. And when we stand together,
we're stronger. That's not a political statement, that's just the truth.
(50:18):
The truth of the matter is, I'm a strategist, right.
The truth of the matter is is when you build
a wall around something, you fortify what you value. So
what I'm asking you is what are you building a
wall around. Are you building around your habits or you
(50:39):
building around loving others? Or do you love yourself? So
when you love yourself, you take better care of yourself
by having things in place to make sure that you
and your family are taken care of. Then the other
thing I'll tell you is this, do the work. The
way that you become stronger financially, the way that you
(51:02):
become stronger physically, the way that you become stronger emotionally, mentally, spiritually,
you hear me. The way that you do it is
you do the work. You don't get a chance to
sit up in a gym with drinking and eating and
relaxing watching other people work out, and you get the muscles.
(51:26):
Whoever's doing the work gets the benefit of the work
that they're doing. So when there's a need, and it
may not be you, it may be somebody you knew,
do the research. Google is amazing. Do the research to
find opportunities so that you can stay as healthy financially, emotionally, spiritually,
(51:48):
and physically that you can because you know that there
are other opportunities. Again, go back and listen to some
of the things he said that he got help in
We Are. So I'm gonna talk about me. I love
helping other people because I know what not helping other
people look like. I know what it means to have
(52:09):
a need and you feel like nobody else will help you. Right,
So I love helping other people. However, I help people
help themselves, because this is the deal. When I help you,
and I continue to help you, you start depending on me.
When I show you listen to these, listen to me.
(52:29):
When we show you how to help yourself, you are empowered.
You take those same habits, those same mindset, those same muscles,
and you get a chance to apply it in every
area of your life. That's the benefit of this. Whether
you're at work, you take those same muscles, whether you're
(52:51):
at home, you take those same muscles, and you strengthen
wherever you're placed in. People call it growing where you're planted.
So many of us are trying to pick ourselves out
of where we plant it and put us somewhere else.
But we have not identified the soil in the other place.
Stay rooted where your planet until it's time to move on.
(53:13):
Stay rooted where your planet, and get as much much
nutrients from the soil that you're planeted in. Learn as
much as you can right there, and then when there's
an opportunity, you'll be so strong in that space that
the next place you go to you'll be stronger. You'll
(53:35):
be better, not just for yourself, but for others. It's
not all about you, Boom, It's about everybody. So do
what you need to do to help others. And again,
this information that we're providing may not directly impact you today,
but I promise you live long enough, somebody that you know,
(53:56):
somebody that you love or you will need eat this
kind of insight. So we're saying, build the muscles now,
don't wait, build the habits now, so that if, more
like Quenn, something happens, you're better prepared to step off
(54:16):
into your next step. Okay, So, Steve.
Speaker 1 (54:21):
I want to hear you some more. Johnny, I want
to hear more. Why don't we do it again next week? Yeah? So, Johnny,
it's beautiful today, just absolutely beautiful. I want to bring
it back to a little more direct with finances. First
of all, Johnny's got a lot of books, she's written,
She's got other resources. You know, I have a website.
(54:44):
Contact me. We're here to have conversations with you. I
mean we actually can talk on the phone. We can
do you know, we can do emails. Whatever is the
way that you prefer to do it. We're here for you.
Right think dot org r I g h t THI korg.
But here's just a real basic thing. Go back to
(55:07):
the show we did called reality Check, which was episode
two thirty one, where you lay it out on the
tool that we're trying to teach you to look at
your finances and project things. But with all that we're
trying to talk to you about, get a really good
focus on one thing. You are better than you think
(55:31):
you are. Do not think that because you're at a
low place right now where you're struggling, and you think
this is about the most I can make, and then
I'm sort of stuck because I can't afford to do
more than this, or can barely afford to put food
on the table, so to speak. I've heard that my
whole life from lots of people, from a lot of
(55:53):
people I said, lots of people. Yeah, so, but what
I'm telling you is when you finally get what we're
trying to help you get, when that switch in your
mind flips to where all of a sudden you understand
where we're trying to take you. This is totally a
(56:13):
program where we're trying to help you get focused, believe
in yourself, and then apply it to how you handle
your finances. And so you know, I know a person
very close to me that was on a lot of
social programs had a very wonderful small home based business,
(56:34):
but was stopping their sales at a certain level because
if they went further, they would come off of the
social programs, they would lose the food stamps, they would
lose the health insurance. And my advice to that person was,
you got so much talent, just let it go. Just
(56:54):
make more money and absorb that expense without having to
take the social program the handout. And it's taking that
personal a couple of years, but I'm proud to tell
you that the sales are so good that the programs
are starting to have to be let go now. But
the person didn't believe it that it would be a
(57:16):
better way being able to provide for yourself through your
own activities. Work harder where you work, work smarter, get
a promotion, get advancement, become you know, we covered all
that in the very beginning. So we're on the tenth
week of this series. It all ties together, but it's
(57:38):
all what we're doing. We're just trying to give you
enough to think about that you can perhaps change your attitude,
break some habits, get a new plan. And so Johnny,
you look, you know, like you'd like to add something
to what we're saying. Go ahead and you sign off,
then I'll sign off.
Speaker 2 (57:54):
You know what they don't know. We ping pong is
like we're playing tennis. This is the deal. I'll tell
you that you're worth it. I'm going to say it again.
You are worth it. You're worth the best life ever.
And like see said, and I love your example about
the person who did that is sometimes you're so stuck
(58:17):
where you are. However, what I encourage people to do
is to keep on moving, to just move forward, to
take one step at a time, don't despise small beginnings,
and know that every decision matters. I'm gonna say it again,
don't despise small beginnings. That means, don't despise where you're
(58:41):
at right now, don't despise what you have in your pocket,
or don't despise any of those things. Don't despise your
talent by looking at somebody else's lane. It's hard for
you to drive forward if you're looking in another lane.
That causes people to have accidents. So stay in your
lane and be the best in your lane, because you
(59:02):
are more than enough and you're worth it. So Steve,
go ahead.
Speaker 1 (59:07):
Wow, I'm just going to sign off to Johnny. You
were wonderful today. LALs sue. A journey of one thousand
miles starts with the first step. Johnny, Thank you everyone,
have a wonderful week. God bless you. And next week
we're going to come back and we're going to get
to the phase of the series that we deal with investing,
(59:29):
getting one step closer to building personal wealth. So I
look forward to being with you next week, Johnny, God
bless you, Thank you, God bless everyone else too. Thanks
for listening to right Thinking with Steve Copeland. I'll look
forward to being with you again next week, and remember,
don't quit plan ahead. It will get better. God bless you,
(59:50):
and have a great week,
There must be lies, Parning Brider somewhere, got to be birds.
Hi Sky, Good morning, welcome to Right Thinking with Steve Copeland.
I'm your host, Steve Copeland, and thank you for tuning in.
(00:36):
Let's have a great day. Good morning, everybody, glad to
be with you. Well, today's episode two thirty five Right
Thinking with Steve Copeland is very pleased to announce it.
This week's show is called an Apple a Day keeps
the Doctor Away with guests Johnny Lloyd. Tune in and
(00:56):
here Steve and Johnny continue their series Right Thinking, Life, Money, Relationships,
this week, taking a look at how health issues can
have a devastating impact on your life and how you
can how you want to put yourself in a position
to simply do the best you can. Well, Good morning, Johnny.
Speaker 2 (01:16):
Good morning Steve. This is a great morning.
Speaker 1 (01:19):
It is that so you know, I hope you liked
the title of today's show. I didn't share it with
you ahead of the time. I wanted to surprise you.
Speaker 2 (01:28):
I love the Apple to day. I really like that.
Speaker 1 (01:32):
Well, I'm an old guy, and I wonder if if
everybody understands an Apple a Day keeps the Doctor Away.
That that was that was all we knew was a kid.
You know, if you eat an apple every day, you're
going to stay healthy. Didn't know why, you just knew
you were eating a good piece of fruit. But I
had I have a buddy, a good, good, close friend, Jack,
and right out right out of high school. Uh, he
(01:55):
went to Australia and he worked as an apple picker
in the out back in Australia for a year and
he ate tons of apples and he was the healthiest
he'd ever been in his life. So just you know,
an apple a day keeps the doctor way is good wisdom. Well, Johnny,
I'm gonna throw something at you. They're really serious, and
(02:15):
I'm gonna maybe I'll catch you on this one too.
Are you ready? Absolutely, Humpty Dumpty sat on the wall,
Humpty Dumpty had a great fall. All the king's horses
and all the King's men couldn't put Humpty back together again?
Have you ever heard that?
Speaker 2 (02:35):
Absolutely? Our age?
Speaker 1 (02:38):
I am telling my age. You know, yeah, But here's
my thing. That's why I want people to maybe listen
to me. They might not like some of the old
stuff I come up with, but hopefully there's some there's
some good wisdom built into what you and I discussed.
Now you know why, you know they couldn't all the
king's horses and all the king's men couldn't put Humpty
(02:59):
back together again. Well you know the truth of that
is they could have put him back together again. But
you know why they didn't because he didn't have good
health insurance. Today's show, Johnny, it's all about health. And
but what we do, I mean, we're we're not you know,
we're not doctors. But what we are trying to do
(03:21):
is help people have a better life through their financial
management of their personal affairs. And what we want to
do today. We covered insurance last week just to kind
of overview of a lot of things about insurance. I
hope we didn't leave out too much. I got a
lot of really favorable responses about you know what we did,
(03:44):
trying to get people to think, you know, that's all.
If I had a sum up last week, it's real simple.
Insurance can help you a great deal. And sometimes it
seems unaffordable and you've got other things that you think
you have to do with your money, but think twice,
because if you don't have insurance and something happens that
(04:06):
insurance could have helped you without ruining your finances, then
maybe you should have sacrificed a couple other things. The
substitution principle might not be so fun not to go
to the movies like five times a week in order
to have a good good insurance policy. Particularly, don't let
your automobile insurance labs and not pick it back up
because you're having too much fun with your entertainment and
(04:27):
other things. No, it's about discipline. But Johnny, we're doing
financial program here that's trying to help people manage their
financial affairs to a better life. And today we're going
to talk about one of the most important parts of
your life, and that's good health and how insurance, good coverage,
(04:48):
planning for it can help you. So I gave my
opening comments today, So why don't you give some thoughts
on the importance of good health. You know, actually I'm
already given some of what we're advising when I say
good health. We're going to talk about health issues today
and finances, So why don't I just throw it at
you like that, assuming that you agree that having good
(05:11):
health is going to be less expensive than not having
good health. Johnny, good health.
Speaker 2 (05:16):
Yeah, absolutely. And the thing because every age troop is
being considered in this and one of the things that
we have to remember is that as we go for
the success that we're so excited about, we don't want
to do things that would hamper our health. Because it
(05:38):
has been noted in through different documents and research that
a lot of people went after success and ignored their health,
you know, by being in stressful situations and not taking
care of themselves. And later on in life those resources
that they thought so hard for, those resources are used
(06:00):
to get them the help they need and when they
are older now there are always other opportunities. It doesn't
mean that everybody that's unhealthy or sick or have eternal
illness or whatever that it was because they didn't take
care of themselves. That's not it. However, when you take
care of yourself, it just helps you to get through
(06:25):
whatever it is you need to get through. When he
was talking about Hunty Dumpty, it was funny. One of
the things I remember I thought about is the breaking
of things right. Sometimes when your life and situations happen
in the arena of health, it actually impacts not just
(06:45):
your finances, it impacts your relationships, it impacts your job,
it impacts your family, it impacts everything. Right, So the
more you take care of yourself on a daily basis,
whether it's you know, when I think of eating an
apple a day, it takes the doctor, keeps the doctor away,
(07:07):
it's doing the right thing for you on a daily basis,
that will help promote the thing you should value, which
is your personal emotional, physical, spiritual wellbeing. That is the key,
because when those things are out of kilter, what happens
(07:28):
is is it impacts your life. Now we're talking about money,
but money, let's say this. We're talking about wealth, not
just money, because wealth is actually your resources, your health,
your relationships, all of those things, right, So the key
with that is when one of those are out of balance,
(07:52):
then it impacts or puts stress on the other areas.
So health is critical whole. So start taking care of yourself,
take breaks and stuff like that, take care of you
and cover yourself. And we're going to talk a little
bit more about that. So stay tuned.
Speaker 1 (08:11):
See that's very good. If we were going to talk
not just about the finances overall health things like that,
I think we could go that direction too. But everything
you just said leans toward a holistic point of view.
And because you brought up balance and that's the secret
(08:31):
to holistic type things. It's a good balance natural things.
And so you know, hopefully today we're not going to
overstep our balance and get into being like, I'm not
a nutrition expert, but I'll tell you that I do
like to eat certain foods. You know, Bananas keep you
having from muscle cramps, you know. But yeah, so but anyway,
(08:53):
you know, we're talking about apples and bananas, you know,
Like we don't want to get into apples and oranges though,
because then we're talking one thing and we should be
talking another. You know. Uh, there's there's a there's a
there's a song that's not much in the song that
relates to what we're talking about except for one line
that I that I really like because it's a transition
(09:15):
into financial well being as well. It's the Alman Brothers
rambling Man and it's you know, lord, I'm a rambling
man trying to make a living doing the best that
I can. But that's what I want to center in is, Uh,
we're all trying to make a living doing the best
that we can, at least at least I I that's
where we're trying to get everybody, you know, we're trying
(09:36):
to get him one step further. If you're trying to
make a living and doing the best you can, we
want to get you out of rolling the dice and
just being a pink pong pall in life and doing
more planning. And so I want to throw something at you, Johnny,
that that I did when I was thinking about this.
I have five things here that I think that will
(09:56):
help a person in their financial life. And it starts
with if you are going to ever, unfortunately have a
diagnosis that's a very serious type of an illness or
condition that's going to take a lot of ongoing care
and be a financial drain, you know, any kind of
(10:19):
chronic illness that requires a lot of medications. Perhaps it
requires a lot of doctor visits. It could require you
to adjust your lifestyle because you might not be able
to perform at the same type of a job, a career.
You might lose your ability to do what you used
to do. You may have to go through retraining, you know,
get educated in something all over again. It's that's why
(10:42):
I said, it's so devastating your life canternal or dime
when medical things happen. And I know many many wonderful
couples that have a beautiful life and then an illness
or an accident can just change the whole course of
their life. And there's tragedies involved here, and so I
(11:05):
don't want to I'm not being frivolous in any way. Please,
I think that I personally, I think it's okay for
me to talk about this because I myself have gone
through over twenty years now, and that's not counting since
over forty fifty years, maybe forty five. I've had numerous surgeries,
(11:30):
probably seventeen surgeries in my life, Johnny and I've had.
I've had. I have two terminal illnesses and along with
that a lot of other conditions. So I do know
about the financial impact. And for me, I just want
to say this. I never asked for my illnesses. The
diagnosis came as a shock to me, but they did
(11:50):
cause me to make changes. But being the person that
I am, I didn't want to cave in and just
accept that I have all these I can't do certain
things anymore because in other words, I'm not saying I'm
a superman, not at all. But what I'm saying is
is that I'm not going to quit. I'm not going
to give up when I'm going to keep going. And
the very first thing that I want to say about
(12:12):
when you when you've got serious diagnoses like the ones
that I go through. You know, both my cancers are
two incurable cancer. It's multi my loma, it's it's acronyms
incurable bone cancer. It's a cancer of the blood in
the leukemo infoma society, uh, and the bones themselves. And
(12:33):
I've seen I've seen my oncologist hematologists every single three
months or sooner for over twenty years now, and then
every time I go I get a series of different
types of bills. I've discussed that in the previous show.
I have other other incurable cancer too. I don't need
to give the details on that one as much prostate cancer,
(12:55):
but you know, I ended up with asthma that I
never had. I ended up with COPD advanced stages chronic
kidney disease. These things sound like, oh my gosh, But
you know what, I'm overjoyed to say that most everybody
that knows me, they really have no idea of what
(13:16):
I go through. I have to take a lot of downtime,
but people don't know that I make it productive as
I can. I read it work out of my own house.
But what I'm getting at is I developed five pieces
of advice that I want to lay out on people
that relate to their finances. And it's basically, these are
(13:38):
things that you should do while you have your health,
before you even ever get a diagnosis, like the types
I'm speaking of. In other words, preventative medicine. You know
we're talking about health, We're talking about medicine. This is
preventative one. Maintain good credit. You do not want to
(13:58):
go into an illness with bad credit. And we'll talk
about why you don't want to do that. In a minute,
we'll give the outline. Discipline yourself too, Discipline yourself to
have a strong regular savings program. We've talked about these
things and all the other shows anyway, Johnny, you know,
(14:19):
the emergency fund and all that kind of stuff that
we talk about. Good credit. We've spent a lot of time.
Be sure to have good health insurance. Without insurance, you're
not going to get all of the all of the treatment,
all the care, all the medications that you're going to need.
By as much life insurance as possible. Last week we
(14:42):
really we pretty much dwell out on life insurance. It
just kind of went that way because you and I
both are family oriented people and we care about other people.
We don't want to leave them. You made a comment
that I thought was very good. People are going through grieving,
they're devastated the loss of a loved one. They don't
(15:04):
need to go through financial crisis if it could be avoided.
So people really ought to be thinking about that. Now.
I have known a couple of people in my life
that they didn't care much about other people and they
wanted to spend the very last dollar that they had
the day that they die. And I have to tell
you not a lot of respect for those people that
I just mentioned. But that's maybe that's personal. Maybe I
(15:25):
shouldn't be talking about that. And here's the last one though,
and this is what we kind of started off with,
stay as healthy as possible. And here's here's something that
is part of my discipline. From June to November, Virginia Beach.
I drive twenty miles every day and I swim in
(15:46):
the Atlantic Ocean at Virginia Beach. And it's hard to
fit in that time because the traffic's gotten worse and
worse over the years. I'm in about my ninth year
of doing it like that. I try to get in
unless there's a reason that I just can't go. I
try to schedule at least a two hour part of
(16:06):
my day where I can get to Virginia Beach, get
in the ocean for thirty forty five minutes, relax down there,
and that keeps me healthy. COPD is a dehabilitating chronic
condition that is basically not curable. It just gets worse
over the years, and the very best thing you can
(16:28):
do is keep your lungs and your breathing as healthy
as strong as possible. And if you do that, you'll
at least slow it down and be able to stay
in overall good health. And so the holistic approach that
we're talking about again is just try to keep a
(16:49):
good balance in your life. But it hurts me to
see people because I'm very fortunate that I'm where I'm
at with my discipline, I hold a lot. When I
was younger, I might have worked way too hard into
the night and that might have hurt my immune system.
And I sometimes think that's a big part of why
I even did get my cancers is because I I
(17:11):
pushed for too many years, and so that's a lesson
that I learned. I guess that's the best piece of
advice that I want to offer. I think that if
you run yourself down constantly burning the candle at both
ends proverbally speaking, pushing yourself constantly, you're going to run
your body down. You're going to run your immune system down.
(17:32):
It's like back trouble when you're young. People that were
construction I worked a lot of construction. I was. I was.
I was in great shape. I could I could hold
my own with people that were much, you know, larger
than me, could lift a whole lot more tote more
lumber than me, or could they should? I mean I
could keep up with them, you know, I could carry
(17:52):
heavy things. You can have a back injury that is
masked m a s k ed by by your overall
strength when you're young, but when you turn forty five
or fifty, it might show up in the form of
a back trouble, a back condition. And when you see
your doctors and say, well, what did you do to
your back, and you say I don't really know, they'll
(18:13):
ask you questions and they'll uncover that you might have
injured your back but not given into it and continue
to do the same things that are putting that extra
stress and pressure on your back. Sir Johnny, I just
wanted to give that kind of kind of preface to
the listeners about my own health because I have used
(18:36):
financial management to have the highest quality of life relating
to my ability to have good insurance and have all
the medications that I need ongoing, and to be able
to free up my life, to have good exercise to
keep me strong and healthy and eating right, etc. And
(18:56):
people that people that are under so much pressure is
they have a hard time affording the things that give
them that freedom that I just spoke that I have.
I want to help people have the freedom that I have.
And uh, and so that's that's really what this show
for me is about. And but we're looking for for
(19:17):
pointers that we can give people on how they can
have better finances so that they can weather the personal
storm of medical hardship. So let's let's let's turn it
back over to you, because I'm given too much of
my life story here. I didn't mean to do that.
Speaker 2 (19:35):
One of the things actually Steve, the things that you
gave were really powerful when we look at it at
a big picture because what you part of what you
did was you did purchased a lot of insurance at first,
and that insurance help you through the process so that
you would not be natively impacted. Now, a lot of
(19:58):
people say, well, why are y'all stressing on insurance when
it relates to health, Because one of the ways that
people have moved from whatever status they were in life,
whether that be middle income, you know, wherever they were,
is health. Health has bankrupt more people than you would imagine.
(20:20):
So the key with it is if you're not prepared
for a health issue or situation, a negative health situation,
then that could absolutely throw a wrench or a hole
in your ship that's so big that you won't have
(20:42):
what Steve has to recover now when he talks about
all the things that he's dealing with, the real issue
is is that he's still He's still moving forward, he
is not stopped. So part of that is his positive
mental attitude. Right, So you have to have a positive
mental attitude about your situation even when someone tells you
(21:06):
it's dire. So the issue is is that you can
have something that others say or you know that you've
been diagnosed with. However, you can sit there and say,
but this is not going to take me out. This
is how I'm going to solve this issue. And so
that's what we're talking about. We're talking about solutions. We're
(21:28):
not just talking about the problem. We're talking about solutions.
So some of the solutions I would tell you to
look at right now, as we've talked about accumulation. Right
when you look at accumulation, where do you accumulate your
resources that can get you through any situation, whether it
be retirement or whether it be your next phase of
(21:50):
what you're looking for in your life, to shift you
on your family, whether it be a health crisis, regardless
of what it is. Right So, accumulation is budget planning,
because if you don't plan now, if you don't use
those skills, if you don't learn those tips and tricks
and habits, then when something dire does happen, you'll be
(22:13):
worse off. You know why, you will not know what
to do, or you'll start trying to do something that
you don't have the habit for in the middle of
a crisis. So budget planning or cash flow planning that
we've talked about before. Our key to do it when
you don't need it, so when you need it is
(22:34):
in place. Then the other thing is to make sure
that you have set up a retirement plan right, that
you've set yourself up for that. And then we talked
about life insurance pretty detailed last time. You remember we're
not insurance agents. We gave you a lot of information.
So then the other thing that I'm going to say
is look at your emotional you know how when Steve
(22:58):
was talking about some tips, he listed tips, five great
tips to have when you're looking at your health or
your future, looking at the impact of a negative health
situation can have in your life. One of them was
good credit, having the savings program, having good health insurance,
(23:19):
having life insurance, and he said staying healthy. So my
thought was, well, how do you stay healthy. One of
the ways you stay healthy is you put you on
your calendar. Okay, I'm gonna say it again, you put
you on your calendar. You know, our calendar is so
(23:40):
filled with a lot of other things, especially when people
are driving for success. However, you need to put something
on the calendar for you. If that's time for meditation,
if it's time for exercise, if it's time for family
at this time, just to sit down and watch a
movie that just makes you laugh. Do you know? Laughter
is a healing helps you heal when you have that,
(24:03):
but you know the stomach belly laughter is what they
call it. When you laugh like that, it helps you
in the healing process emotionally, physically, spiritually, it helps you that.
So I have in addition to the meditation, I have
a spiritual regiment. Now what is your spiritual regiment?
Speaker 1 (24:25):
You know?
Speaker 2 (24:26):
Because I know that there's a higher power, right, so
I don't feel like I'm a victim. I feel like
I have help. So where's your help coming from? So
then the other thing is when you look at help,
who's surrounding you, who's in your sphere of influence that
you're influencing, and whose sphere of influence are you in
(24:50):
where they're influencing you. And the reason I'm gonna say
that is stay out of areas that are toxic. Do
you hear me? Tax Being in an area or with
a person that is always negative will impact you emotionally,
it will impact you physically because a lot of times,
(25:14):
based on who you are and most of it is
if a person gives us a problem and they tell
us the problem every day before we know it, we
feel heavy, We feel burdened. Right, that's not our burden
to carry. So be careful when you pick up everybody
else's situations and you put them on you, because you're
not superman and you're not superwoman. Toxic environments are kryptonite
(25:40):
and they are something that will hurt you at the
DNA level. So the other thing I said was is
to be the best you you can be. Don't look
at other people determining what size, what shape, any of that.
Find out how you can stay healthy. Two ways that
(26:03):
most people don't look at is we take our vehicles
and we do maintenance on our house. We do all that,
but we don't do any emotional maintenance. Once a year
at least or every two years, do an emotional maintenance
where you go to someone and you just go through
and just make sure you're okay emotionally okay. And then
(26:28):
the other thing is physical maintenance. You cannot not go
to the doctor for ten years and then show up.
There's a lot of things that happen in ten years.
You need to go to the doctor and have regular
maintenance on your body so that if or when something
pops up, you are ahead of it. And when I
(26:50):
say that, that doesn't mean you avoid it. That means
that you have a specialist thus talking to you from
that perspective to help you move forward. Now, let's put
this into reality. The reason those two are so important
is because when you have emotional well being and you
have physical well being, then you won't need your insurance
(27:11):
as much. However, that's what the insurance is for, right.
The health insurance is to help you in need to
pay for offset some of those costs Number one. Number two, though,
let's talk about your the people that you're working so
hard for. I don't care how much insurance you have.
You want to be healthy as healthy as you can
(27:32):
possibly be. Now, insurance is about risk and reward. Right,
you have insurance to offset any risk factor that could
come up, and your reward is peace of mind. So
it's an investment that everybody needs to make at some
level to make sure that when you think of going
(27:56):
to a doctor, you're not sitting there saying, well, I
can't go because I can't. No, you're worth it. Can
I just say that.
Speaker 1 (28:03):
You're worth it.
Speaker 2 (28:05):
We get one chance with one body, okay, and when
we don't take care of our body from the cround
of our head to the sole of our feet, when
we don't take care of us. Now you can have
what they call it. You can have additional parts. You
can have a new knee and all that stuff. But
in but every time, it's a replacement part to what
(28:28):
you were originally had. You don't necessarily want to be
in that place. You want to keep your original equipment
as healthy as humanly possible so that you can have
the best life of her.
Speaker 1 (28:42):
See Johnny, I hope I can get all these note
sides of this took. I took about twelve different topics
that you just said, and I've got a comment on
each one, so let me sort of tap them off.
I'll leave out a few. Johnny, you were wonderful. You
just said a person that goes through as much as
I do. To hear you talk like that, it just
(29:05):
makes me smile because you understand. One of the early
things that you were saying made me just think. You know,
we're talking about preventative things that we can do, you know,
staying healthy. That's the best that you can do. Hey,
if you stay completely healthy and never have to see
a doctor because you just have excellent health, you don't
have to worry about all those other things with you
(29:25):
don't need as much in that emergency fund. You don't
need insurance as bad, but don't risk it because certain
things with health can change overnight. And so you don't
want to say, I've been healthy for forty years. I've
never had to go to the doctor other than the
every six months to get my teeth clean, so to speak. Well,
be ready for it, so you know, be a scout,
(29:47):
be prepared. Okay. The military has an expression and strategies
of campaign in warfare preventative strikes. You know that. That's
another one there too. But one of the things that
I like to share with people as the spokesperson for
the Leukemo Infomas Society Late the Night Campaign, which is
(30:08):
the largest blood research shob organization in the world. They've
done more breakthroughs. I think they're under the forty billion
dollars worth of funds that committed to cancer blood research
in the last thirty five years or so. That's I
remember it because I think it was averaged about a
billion a year for over thirty five years now. You know,
(30:31):
when I speak, a lot of people that are just
recently diagnosed with cancer are rightly so petrified. But what
I try to help them with is to make them realize,
your life's not over. You know, You've got something new
that you have to deal with, and the better that
you can deal with that, the more you'll realize some
(30:52):
of the truths that are out there. And one of
those truths is this technology that we're seeing every day
with all these amazing things where we've got rovers on
the moon and all the other kind of stuff, and
in communications and you know just where Wi Fi went,
you know, all the things with you know, internet and telecommunication,
et cetera. Those same things are happening in the medical field.
(31:14):
And I've got a very close friend, you know, and Marty,
May may he rest in peace. He was just the
most amazing saint. Marty was one of the very first
people to have experimental well it just got improved. He
was one of the first ones when it came out
to experimental developmental stage. It's called car T car T.
(31:36):
It's the most advanced form of cancer fighting where they
actually program your T cells in your body to go
in and it's called a living therapy because once, once
they take out your own T cells and they reprogram them,
and I had to be genetically reprogrammed little teen microscopic cells.
(31:57):
You know, That's where we're going with the world here.
But there's going to be more and more of that.
So cancer one day will be defeated and it's getting closer.
So if you have to go on a medication, whether
it be a cholesterol medication or a high blood pressure medication,
or a or an osteoporosis medication or anything, even though
(32:19):
it's fearful to take that medication because of side effects
and sometimes you can't get off of medications, there will
be new advancements coming and they're coming quicker and quicker.
They're kind of geometric, not arithmetic the way they're developing them,
and so don't worry about it. Just have faith. That's
one thing we haven't mentioned yet. We talked about a
(32:40):
spiritual life here, But have faith with the knowledge that
mankind and all the wonderful scientists are out there will
be able to come up with new things that will
make us live healthier, live longer, be stronger. That's my belief. Well,
one of the things that I want to tell you
(33:02):
is when you have things happen. I have a brother
that is a juvenile diabetic. He was diagnosed with diabetes
at twelve years old, and so I did a lot
of research. And I'm thirteen years older than my brother,
so I'm like a big brother, you know, older brother. Well,
I learned that swimming was the number one thing, well
(33:26):
that was for his asthma. By the way, he had
asthma too, it came at the same time. So I
taught he had a swim We swam all the time
at the YMCA pool and that built his lungs up
and it controlled his asthma. He very seldom ever had
asthma problems. But I read a book on diabetes because
I wanted to know more about it because my brother
suffered from it and was diagnosed, and they gave you
(33:49):
a really short life expectancy. And at one time we thought,
oh gosh, you know, I mean, we're talking a long
time ago. But you know what, my brother learned to
control it. He's had his he's had his bouts with it,
no question about that. But he became disciplined. And the
very last chapter of the book that I read on
diabetes was just perfect for me to read, and it
(34:10):
said the advantages of being a diabetic. It's like, what
the advantages of having that diagnosis? Like most people would
never think there's an advantage to have it something like that,
But what it was was it said that when you
become a when you get a diagnosis of something like
diabetes or something else, you start paying attention, You start
(34:35):
looking at it in your and you start the worst
thing about a diabetic that I learned with sunburned feet,
burning your feet. I don't know why exactly, but diabetics say,
you don't want to You don't want to go to
the beach and get the bottoms of your feet really burned.
You don't want to step in the hot, hot stand.
You have to be careful because your feet don't heal
so good. Diabetics have really bad things that it can
(34:58):
progress into. Well, that whole chapter, though, just said that
people that are diagnosed with diabetes, they will tend to
pay closer attention to their overall good health and be careful.
They start doing they're very important with sunscreens and things
of that nature because of what I just said. But
(35:20):
they eat differently, they watch they watch their intake carefully,
and so it's the same with your finances. If you
learn how to be disciplined and you take good care
of yourself, there's nothing you can't deal with. And what
I tell people when I do my speaking is what
I'm trying to tell you when you get diagnosed with cancer.
(35:41):
What I try to do is I try to share
with people that have been recently diagnosed and those that
have been caring it for a while. I share the
hope that I have that there's going to be more advancements.
That's one thing. But what I really want to let
people know is I know that you just diagnosed. I
know that your life has just been turned totally upside
(36:03):
down and you're just thinking all the terrible things. And
I went through it myself. Shorter life expectancy, Oh my gosh.
You know they told me that I you know, with
five and a half years life expectancy. Well, we've had
a patient that's gone as far as eight. That's frightening news.
You think that all of a sudden, all the things
that you look at for your farness and future have
(36:25):
been erased. Well, let me tell you, I thought that
I would never see grandchildren at the time that I
got diagnosed. I have eight grandchildren now. But the other
thing is when I gave my last speech, so to speak,
there are a couple three thousand people or so at
a light to night a couple of years ago. It
(36:47):
was two and a half years ago. I'll tell you
how I know. My grandson Max is my eighth grandchild.
And well, right when I was talking about how I
never thought I'd see grandkids, my wife and my daughter
in Las Stacy came out on the stage. It was
it was a beautiful it was I knew they were coming,
they were cue when to come, but no one in
(37:09):
the audience knew. And they they brought Max out and
presented him to me, and and I held him up
like in the movie The Lion King. And it was
right around it was in October, and he was wearing
fall colors. But I held him up and held him
up like they did Simba the Lion King. That's probably
the happiest moment in my life. So, Johnny, everything we're
(37:33):
talking about, you know, are there any specific things that
people can do when when they have really hard finances
get insurance? But there's there's there's public assistance and never
be ashamed. Never be ashamed. If you have to go
on any kind of public assistance program, you know there's
I don't get into politics, Johnny. I love everybody and
(37:53):
whatever your circumstances are. If you have to be on
public assistance any kind of uh social welfare program or
something like that, that's okay, but don't try to stay
on it forever. Try to try to let it get
you to the next plateau, higher place in your life,
rebuild yourself, try to get off of it. And there
(38:15):
are so many wonderful programs that nobody knows about. And
let me tell you I've spent years with my financial
struggles because it's expensive. You know, I have an acronym
cancering cheap when you go through through fighting illnesses. There's
something that I did and I learned this, and I
just want to say thank you. I want to say
(38:38):
thank you to so many organizations that were there for
me that I found out about. Well. I mentioned the
Leukema Infomas Society LLS. I was on their financial assistance
program for five years. And let me just tell all
of you most people that are listening or you know,
we're stable minded family people. I everything's going well, good income,
(39:03):
taking care of your family. A lot of the stuff
we say doesn't apply to you, you're already doing it.
But let me tell you something that comes suddenly. I'm
a lifetime business executive, you know. I started out as
an accountant. I've been a finance officer in large companies, entrepreneur,
but my finances were devastated people that get these kind
of long term diagnosses. I read one where that forty
(39:27):
percent of people that get incurable cancer diagnosis go bankrupt.
But I did not want to ever go bankrupt. Even
I didn't want to use my cancer. I'm not saying
that you have to don't do it. It's okay, please
don't misunderstand me. But for me, no, I didn't want
to use that as a reason because I have the
ability to put things together. So I fought it. And
(39:48):
I wanted to always pay every bill that kept my
credit right too. But it's all interrelated. So what I'm
getting at in this little kind of emotional speech that
I'm sort of falling into here is couple things. AstraZeneca
is a pharmaceutical company. Merk is a pharmaceutical company. Both
of them gave me free medication for two to four years.
(40:13):
There's programs that you can apply for. If you're in
a hardship. You see it on TV. If you have
a hard time of forty nine medication, call us. We
have a program and we have financial assistance. Do not
be ashamed to reach out because you need to, and
so it's there for you. My analogy is everybody knows
about college scholarships that ninety percent of them go unused,
(40:37):
not unapplied for, and it takes a really smart person
that comes from a I know many people that come
from a background where the finances are very low in
their family, and some of these people get four year
scholarships because they work hard to uncover where the scholarships are.
They write the letters, they take the tests, whatever they
send the resumes. They build their life for the resume
(41:02):
by doing volunteer work while they're in high school. Because
on these different resumes, some of these foundations that give
those scholarships say, this is a very deserving person. Make
yourself a deserving person. So there are other pharmaceutical companies
that had these special programs. Lukemulymphoma Society, like I said,
they paid my health insurance and a large portion of
(41:25):
my medical bills. For six years I was on their programs.
And there's income levels, there's all sorts of stuff. I mean,
just with health insurance. I had a family that didn't
have any insurance that I was very close with at
a church that I used to attend. Self employed man.
He had a tow truck service and he needed back
surgery desperately and his business was suffering. I spent seven
(41:49):
hours one night when Obamacare first came out, because that's
how long it took to be on the phone. I
came over his house with my phone charger with me,
and he says, why are you bringing your charger? I said,
because we're going to be on whole for hours. And
seven hours later he said, man, that was the smartest
thing I've ever seen, bringing your phone charger with you.
But I got him on health insurance that night. I
qualified him. He had surgery six weeks later and he's
(42:13):
top of the line. There are so many things you
can do to find programs that will help you. But again,
my only advice to you is, if you are on
these kind of programs, do what I'm doing. Why do
I do the show with Johnny? Why am I trying
to reach out to every one of you because I
want to give back. I want to give back people
(42:33):
have been there for me. I said it with co signers.
If I didn't have co signers on loans throughout my life,
I wouldn't be here talking to you. So when you
love other people, you do for other people. But one
of the hardest things about love is letting other people
do for you. Don't be too proud. So my bottom
(42:54):
line to that is is that you get your finances straight,
be able to afford that gym membership. But that's what
you need. I use the ocean. It's free, but I
pay for a lot of gas to get there. Substitution principle,
take vacations, learn to relax, and so build a lot
of equity, because for me, I've used my equity in
those insurance policies. I've used the equity that I've built
(43:15):
in my home. I've taken out a second mortgage. These
are the kind of things that that I believe are important.
And Johnny, one of the most important things that you
said two things, and I got my notes pretty much covered.
I think I've brought them out here. One is humor
is the best medicine. We've always known that. So just
(43:36):
move toward toward a life of less stress. Don't take
yourself so serious. Sometimes take a break, don't let people
you push that better than I do, Johnny, with you know,
like know what you need to do for yourself, be
your own person. And one though that stands out though
that I've circled that I really want to say to
you is personal hygiene will lead to other things. And
(44:00):
if you end up with you don't have enough money
to go to the dentists. I know too many people
that haven't been to the dentists for five or ten years,
and when they finally go, it's a nightmare because they've
got things that were unattended to, and a cavity leads
to a root, canal leads to an extraction, et cetera,
and so preventative things. The very best thing I can
(44:23):
do to sum up my part of this right now,
and we're not over yet, is do the most you
can to get ahead of yourself to be there. And
a personal goal for me, you know, right thinking life,
money relationships, Johnny, if we haven't kept to our theme
(44:43):
of what we're trying to do is to not let
finances be out overall purpose here. You know, we haven't
quoted hardly any Bible through our whole series here, but
when they say money is the root of all evil,
it's the love of money, not money, because money is
just a tool. So what I'm trying to say here
(45:04):
is is that live a life where you can find
happiness and peace of mind, and finances will help you
do that in all aspects if you don't go too
far into only your finances. Insurance poor last week was
the term that we used. They've kind of approach us that, Johnny.
(45:25):
I'm sure I'll have some more to say, but let
me turn it back to you.
Speaker 2 (45:29):
You know, Steve, you have stand quite a bit, but
it's so powerful is telling your story. You know, I
think all of us have a story that helps people
understand what drives us. And when a person values their history,
they're better to walk into their destiny. I'm going to
(45:52):
say that again. When you value your backstory, the thing
that caused you to be where you are, even though
if you didn't and you didn't like the process, it
helps drive your backstory and helps the backstory drives you
to your purpose, your destiny. Right, So I'm going to
say a couple things, And this is what I'll say.
(46:15):
It's don't wait to get sick to fight for your health.
Don't wait to get sick to fight for your health.
And this is not about age, This is about stages
in your life. Let your health be a high priority,
because this is how you're teaching your children. This is
(46:36):
how you're teaching other people how to treat you by
caring enough about you that you put yourself on your
to do less. This is how do you know how
to take care of other people when you don't take
care of you. Now, Steeve mentioned one thing and I'm
and it's a pet peeve of mine, y'all just give
(46:57):
me a second for this is I was trained with
I wasn't born in the church, but I was really
outside the door. I think my mother had me on
the outside of the door of the church and brought
me in immediately. That's how long I've been in church.
So my point for saying that is this, I was
actually trained in church that money was the root of
(47:17):
all evil. Your mindset about money will absolutely impact every
area of your life. Steve said it so eloquently. He said,
the love of money. Read the scripture for yourself. The
love of money is the root of all evil. Money
is a tool, and in the same Bible it says
(47:40):
that money answereth all things. If you sit and you
don't have no money, you don't have an answer. You
have to go find somebody to help you. If somebody
that you love needs something, you can utilize resources to
help them right appropriately for what I love. Please go
back and listen. If you have anyone in your family,
(48:03):
any information that you need, go back and listen to
Steve's part that he talks about the fact that he
went into the system. See, we want to fight against systems,
we want to fight against people, but we need to
deal with the system. The system is there for you
to utilize it when you need it. So if you
(48:23):
need social help, if you need financial help, if you
need those things, go for it. Do it because you
need it. Pride comes before a fall. You don't want
your pride to cause you or your family member not
to get the services that they need. So and then
(48:44):
this is the other thing for those of us who
can who have the resources. Remember one of the things,
one of the greatest things you can do for your endorphins.
You exercise, you do your endorphins. Give your endorphins increase
you help other people. So I do, say, Jude, I
do Alzheimer's. Not because I know somebody who you saved you. Yeah,
(49:10):
but they weren't in my family. It's just a young
lady that I knew years and years ago. Her son
had cancer and I'm telling you she was working for
the government. However she had to stop her job so
that she could take care of him. They took care
of everything. They took care of everything. So find something
that makes your heart happy and give toward that thief.
(49:34):
I know a lot of us give to our you know,
to churches and things like that. But find something outside
of that, so you can redirect your funds to something
you believe in. You believe in their program, you believe
in what they're doing. That's another way to impact your
health in a positive manner. And it also will break
(49:54):
the mindset that you're a social You're a social because
you go in and you need help. That's not Listen,
we need community. If you didn't hear anything else, we said,
listen to this. You need community. And when we stand together,
we're stronger. That's not a political statement, that's just the truth.
(50:18):
The truth of the matter is, I'm a strategist, right.
The truth of the matter is is when you build
a wall around something, you fortify what you value. So
what I'm asking you is what are you building a
wall around. Are you building around your habits or you
(50:39):
building around loving others? Or do you love yourself? So
when you love yourself, you take better care of yourself
by having things in place to make sure that you
and your family are taken care of. Then the other
thing I'll tell you is this, do the work. The
way that you become stronger financially, the way that you
(51:02):
become stronger physically, the way that you become stronger emotionally, mentally, spiritually,
you hear me. The way that you do it is
you do the work. You don't get a chance to
sit up in a gym with drinking and eating and
relaxing watching other people work out, and you get the muscles.
(51:26):
Whoever's doing the work gets the benefit of the work
that they're doing. So when there's a need, and it
may not be you, it may be somebody you knew,
do the research. Google is amazing. Do the research to
find opportunities so that you can stay as healthy financially, emotionally, spiritually,
(51:48):
and physically that you can because you know that there
are other opportunities. Again, go back and listen to some
of the things he said that he got help in
We Are. So I'm gonna talk about me. I love
helping other people because I know what not helping other
people look like. I know what it means to have
(52:09):
a need and you feel like nobody else will help you. Right,
So I love helping other people. However, I help people
help themselves, because this is the deal. When I help you,
and I continue to help you, you start depending on me.
When I show you listen to these, listen to me.
(52:29):
When we show you how to help yourself, you are empowered.
You take those same habits, those same mindset, those same muscles,
and you get a chance to apply it in every
area of your life. That's the benefit of this. Whether
you're at work, you take those same muscles, whether you're
(52:51):
at home, you take those same muscles, and you strengthen
wherever you're placed in. People call it growing where you're planted.
So many of us are trying to pick ourselves out
of where we plant it and put us somewhere else.
But we have not identified the soil in the other place.
Stay rooted where your planet until it's time to move on.
(53:13):
Stay rooted where your planet, and get as much much
nutrients from the soil that you're planeted in. Learn as
much as you can right there, and then when there's
an opportunity, you'll be so strong in that space that
the next place you go to you'll be stronger. You'll
(53:35):
be better, not just for yourself, but for others. It's
not all about you, Boom, It's about everybody. So do
what you need to do to help others. And again,
this information that we're providing may not directly impact you today,
but I promise you live long enough, somebody that you know,
(53:56):
somebody that you love or you will need eat this
kind of insight. So we're saying, build the muscles now,
don't wait, build the habits now, so that if, more
like Quenn, something happens, you're better prepared to step off
(54:16):
into your next step. Okay, So, Steve.
Speaker 1 (54:21):
I want to hear you some more. Johnny, I want
to hear more. Why don't we do it again next week? Yeah? So, Johnny,
it's beautiful today, just absolutely beautiful. I want to bring
it back to a little more direct with finances. First
of all, Johnny's got a lot of books, she's written,
She's got other resources. You know, I have a website.
(54:44):
Contact me. We're here to have conversations with you. I
mean we actually can talk on the phone. We can
do you know, we can do emails. Whatever is the
way that you prefer to do it. We're here for you.
Right think dot org r I g h t THI korg.
But here's just a real basic thing. Go back to
(55:07):
the show we did called reality Check, which was episode
two thirty one, where you lay it out on the
tool that we're trying to teach you to look at
your finances and project things. But with all that we're
trying to talk to you about, get a really good
focus on one thing. You are better than you think
(55:31):
you are. Do not think that because you're at a
low place right now where you're struggling, and you think
this is about the most I can make, and then
I'm sort of stuck because I can't afford to do
more than this, or can barely afford to put food
on the table, so to speak. I've heard that my
whole life from lots of people, from a lot of
(55:53):
people I said, lots of people. Yeah, so, but what
I'm telling you is when you finally get what we're
trying to help you get, when that switch in your
mind flips to where all of a sudden you understand
where we're trying to take you. This is totally a
(56:13):
program where we're trying to help you get focused, believe
in yourself, and then apply it to how you handle
your finances. And so you know, I know a person
very close to me that was on a lot of
social programs had a very wonderful small home based business,
(56:34):
but was stopping their sales at a certain level because
if they went further, they would come off of the
social programs, they would lose the food stamps, they would
lose the health insurance. And my advice to that person was,
you got so much talent, just let it go. Just
(56:54):
make more money and absorb that expense without having to
take the social program the handout. And it's taking that
personal a couple of years, but I'm proud to tell
you that the sales are so good that the programs
are starting to have to be let go now. But
the person didn't believe it that it would be a
(57:16):
better way being able to provide for yourself through your
own activities. Work harder where you work, work smarter, get
a promotion, get advancement, become you know, we covered all
that in the very beginning. So we're on the tenth
week of this series. It all ties together, but it's
(57:38):
all what we're doing. We're just trying to give you
enough to think about that you can perhaps change your attitude,
break some habits, get a new plan. And so Johnny,
you look, you know, like you'd like to add something
to what we're saying. Go ahead and you sign off,
then I'll sign off.
Speaker 2 (57:54):
You know what they don't know. We ping pong is
like we're playing tennis. This is the deal. I'll tell
you that you're worth it. I'm going to say it again.
You are worth it. You're worth the best life ever.
And like see said, and I love your example about
the person who did that is sometimes you're so stuck
(58:17):
where you are. However, what I encourage people to do
is to keep on moving, to just move forward, to
take one step at a time, don't despise small beginnings,
and know that every decision matters. I'm gonna say it again,
don't despise small beginnings. That means, don't despise where you're
(58:41):
at right now, don't despise what you have in your pocket,
or don't despise any of those things. Don't despise your
talent by looking at somebody else's lane. It's hard for
you to drive forward if you're looking in another lane.
That causes people to have accidents. So stay in your
lane and be the best in your lane, because you
(59:02):
are more than enough and you're worth it. So Steve,
go ahead.
Speaker 1 (59:07):
Wow, I'm just going to sign off to Johnny. You
were wonderful today. LALs sue. A journey of one thousand
miles starts with the first step. Johnny, Thank you everyone,
have a wonderful week. God bless you. And next week
we're going to come back and we're going to get
to the phase of the series that we deal with investing,
(59:29):
getting one step closer to building personal wealth. So I
look forward to being with you next week, Johnny, God
bless you, Thank you, God bless everyone else too. Thanks
for listening to right Thinking with Steve Copeland. I'll look
forward to being with you again next week, and remember,
don't quit plan ahead. It will get better. God bless you,
(59:50):
and have a great week,
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