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May 26, 2025 55 mins
Right Thinking with Steve Coplon | Guest: Johnnie Lloyd

This week's show is called "Legacy: Living a Transformational Life" with guest Johnnie Lloyd.  Tune in and hear Steve and Johnnie continue their series Right Thinking: Life, Money, Relationships. Your financial literacy skills can help lift you to higher heights where you can leave a mark that cannot be erased.

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Episode Transcript

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Speaker 1 (00:14):
There must be lies parning brighter somewhere.

Speaker 2 (00:22):
Got to be birds him.

Speaker 1 (00:26):
In the sky blue. Good morning, welcome to Right Thinking
with Steve Copeland. I'm your host, Steve Copeland, and thank
you for tuning in. Let's have a great day.

Speaker 3 (00:40):
Good morning, everybody, glad to be with you.

Speaker 1 (00:43):
Well, today's episode two thirty seven Right Thinking with Steve
Copeland is pleased to announce that this week's show is
called Legacy. Living a Transformational Life with guests Johnny Lloyd
tune in andineer Step and Johnny continue their series Right
Thinking Life, Money relationships.

Speaker 3 (01:05):
Your financial literacy skills.

Speaker 1 (01:07):
Can help lift you to higher heights where you can
leave a mark that cannot be erased. Well, good morning, Johnny,
how are you today?

Speaker 2 (01:16):
I am awesome.

Speaker 4 (01:17):
I heard the statement of legacy, uh, the mark that
cannot be erased? And I know that that came from
a previous show that I did, because that is the
way I feel.

Speaker 2 (01:27):
That is the way I feel about legacy.

Speaker 1 (01:30):
Well, you know, legacy, Legacy is a very very interesting topic.
A lot of people they don't ever use that word
in their in their in their life. They don't ever
pay any attention to what that can be and so
what I believe that we're going to talk about today
in our in our twelfth show in this series is

(01:51):
kind of a Okay, now that you've gone through all
your all your your your meditating and and focusing on
to figure out who you are, what you want, and
we've helped you figure out how you're going to get
there with some of the tools, et cetera. Now that
all that's there, it's like NFL football. They all go

(02:14):
to summer camp and they all train so hard and
push themselves sometimes to exhaustion, and and they do you know,
boot camp, summer camp, military, whatever you want to call it.
It's the preparation. But at some point in a person's life,
if they've done enough preparation, it's time that they relax

(02:38):
and say, you know what, I've worked hard, I've trained,
I'm here, I'm ready. Now give me my assignment. But
then if they don't learn that they have to take
it and stride one step at a time and not
kick themselves too hard when they have a bad inning.
That's a baseball term I'm kind of in the sports day,

(02:59):
I guess. But the point is this, Johnny, a person
cannot operate at a full intense, stressed out level. Constantly,
they're going to run themselves down and and so they're.

Speaker 3 (03:11):
Going to burn out.

Speaker 1 (03:13):
What I would like to do today is to take
everything we've done before and not go over at chapter
by chapter or episode by episode, but just look at
the benefit of where your life can be when you
know who you are and you've got everything in place.
What's next once once the table's been set for you?

Speaker 3 (03:37):
Is that? Does that make sense? You know? Do you do?
You follow what I'm trying to say?

Speaker 4 (03:41):
Yeah, I follow what you're trying to say. I do
I do because it is about all the previous things
we've talked about have helped us locate. So I'm going
to go to the idea of if legacy was a

(04:03):
destination or purpose, then part of what you need to
know is where you're at and some of the things
we've talked about, whether it be financial, whether it be
how resources impact your life, how time.

Speaker 2 (04:23):
Because we talked about time.

Speaker 4 (04:24):
Time and money impacts your life and re impact your relationships,
impact every area of your life. Then that's part of legacy.

Speaker 2 (04:35):
That's part of.

Speaker 4 (04:37):
The way you move forward and what you live and leave.
So legacy is not just about what you leave. It's
about the life you live.

Speaker 2 (04:52):
Does that make sense, Seep.

Speaker 1 (04:54):
Yeah, you know, I'm listening to you, and it makes
perfect sense to me. I've read read your books on
the subject. I've read other people's books on it. You know,
I understand it myself. I've been working toward my own
since I've had to face face my life with a
very clear head as I as, I knew that I
had a lot of circumstances that were difficult, so so

(05:15):
I did think about my legacy. A lot of people
think about legacy as what you left behind after you're gone,
because that's generally what most people believe legacy to be.

Speaker 3 (05:27):
You.

Speaker 1 (05:28):
You have offered so much to me in our relationship,
our friendship, with living a legacy, doing things while you're
here and not waiting till you're gone. My mother used
to talk like that too. It's like she'd always say,
you know, when I'm gone, you're going to look back
and you're going to miss some of the things that
I tried to teach you. And I always I always

(05:50):
like that because a lot of people, I'll tell you,
let me sum it up like this.

Speaker 3 (05:56):
I bet, I bet you've never heard it like this before.

Speaker 1 (06:00):
Legacy is the opposite of an Ostrich sticking its head
in the sand. That's like a zen. That's like a
zen coohen isn't It's like, yeah, what does that mean?
An Ostrich and head in his hand. But I'm gonna
go one step further before you even respond. We're teaching
financial literacy as a way to have a better life. Now,

(06:21):
if your thoughts are about what do you really do
with your life? What's your purpose? I mean this goes
back to the first episode that we did. If you're
a person that believes and understands that if you know
your purpose, then you can set out your goals and
you can go after your goals and have the tools
to help you achieve those goals. And we're adding the

(06:42):
financial literacy.

Speaker 3 (06:43):
Tools so that you can stay focused and.

Speaker 1 (06:45):
Not have distractions and not be a stressed out person
all the time that can't really get to hire things.
I know so many people that they're just running around
like a chicken with a zad cut off. You know,
we don't want that, And so there is a direct
correlation between once you know what your purpose is and

(07:06):
what your legacy, you want that to be. To make
a contribution to the world, to other people. I'll stop,
because I could go on and on with these little
lead INDs to it. I'm going to stop, Johnny. Legacy
is something that you do not have to wait until
you're no longer on this earth. You can make your

(07:29):
contributions to others while you're here.

Speaker 3 (07:34):
Is that a fair statement?

Speaker 2 (07:35):
That is a very fair statement.

Speaker 4 (07:37):
And I would like to even add a little bit
to that, is that when a person dies, the.

Speaker 2 (07:42):
Mark that they leave on the world.

Speaker 4 (07:45):
Represents their legacy. And when I say world, some people
may say.

Speaker 2 (07:50):
Well, I don't. I don't leave a mark on the world.
But you do.

Speaker 4 (07:54):
You leave a mark on every person that you have
ever talked to. You leave a mark on every interaction
or relationship. You leave a mark by the things you say,
and even the things you don't say. You leave a
mark based on your character, your integrity. It's the richness

(08:15):
or the potency of life that you live and lead.
Because there are some examples, and I would like to
bounce back as I say that in just the moment
to the ostrich statement, because I've made a couple of
notes regarding that, because you're right, I never heard it
like that Steve. I've never heard about Ostrich putting their

(08:38):
head in the sand or a hole, So that was
really a powerful statement and as to how people can
put themselves in a place. So legacy is about that. Now,
some people look at legacy as to what financial things
they leave behind, you know, like the.

Speaker 2 (08:56):
House, the stuff, the stuff. The legacy is bigger than stuff.
Legacy did you complete your purpose?

Speaker 4 (09:06):
Did you do what you were created to do? Did
you fulfill your assignment while you were here? That's part
of our legacy, right that I solved the problem I
was created to solve. So there's typically, especially in the
realm that we're talking about, we're talking heavy on money
as it relates to your time, your energy, all of

(09:27):
that resources, financial wellbeing. But that's not so you can
just leave resources, so you can leave money. It's so
that you can live life and give to the things
that you believe in and support and do those things
so that you have the time and energy to do
the things you were called to do, because that's part

(09:48):
of your legacy. One of the people that really tapped
into me understanding a little bit more about not just
leaving a legacy, but living a legacy. What was Don
Green with a Napoleon Hill foundation. When he started saying that,
I had to grasp it at a different level, and

(10:11):
I'm hoping that the listeners will do the same. Thing
is a lot of people are planning and working hard
to leave a house, whatever, stuff, the things that we're doing,
the financial well being, all of that is extremely listen

(10:31):
to me, extremely important. Right However, in addition to that,
living and leaving a legacy is about your character as
you do it. What type of leader are you, what
kind of relationships do you have, those kind of things.

(10:52):
Did you build your business on integrity? Did you build
your business and help other people that kind of thing?
So part of that is what you do too. Now
I'm a step back to the Ostrich. I love the example.
I thought it was really powerful because what it reminded
me of, see is people that stick their heads in

(11:14):
the sand. They literally go through and they have the
capacity and capability because the Ostrich has a long what
what i'll call neck, and then but to intentionally, because
nobody forces the Ostrich to put his hand and a
head in a hole, right, So to intentionally instead of

(11:38):
looking up in this scenario, to actually bury or put
your head in a hole that is dark and it's
going where nowhere. So that is part of the training
that we've provided, part of the information, part of what
we desire for other people is that you not do

(12:01):
that and saying that you're better than that, that there's
more in you than that, that we're giving you an
opportunity and promoting an opportunity of greater in you. Steve
talked about self awareness.

Speaker 2 (12:17):
Part of it is.

Speaker 4 (12:18):
To be aware of who you are and where you
are on purpose. On purpose just means intentionally, what are
you intentionally doing, What are you intentionally setting up? How
are you intentionally treating people? How are you touching people?
In this day and age, touch is something that a

(12:41):
lot of people are not getting and we feel sometimes
like we have to touch in three D, you know,
literally physically touch somebody. However, when you are on zoom,
when you're in the presence of a store, do you
give people a hard time or do you walk around?
Most of us are unmask now with a smile on
your face. When I had a mask on, people will say,

(13:05):
why do you have lipstick? Why are you putting on lipsick?
Because I don't want.

Speaker 2 (13:08):
To forget what lipsick feels like I put on lipstick
for me.

Speaker 4 (13:12):
So what in your life are you doing for you
that impacts others? Because our touch makes a difference. So
that's what I would say regarding those two things. And
then about legacy, I'll say, legacy is about a life
of living. You hear me, A life of living, and

(13:34):
I think that's what makes the difference, Steve. We learn
from our past, we live in the present, and we
build for the future.

Speaker 2 (13:45):
It's a life of living. We learn, not blame.

Speaker 4 (13:52):
We learn from our past, we live and take the
benefit of the present, which is a present gift to us,
and then we build for the future. That's part of
the legacy quotion that I'll that I'll say, that's good.

Speaker 1 (14:09):
Uh let's so let's keep talking about legacy for a
few more minutes here, and uh, you know, sort of
set the table for where we're going to go with this.
It is a financial literacy uh uh episode. But we're
we're we're talking about legacy and and I'm I'm well
aware that a lot of people that that live a

(14:31):
life of struggle, that haven't gotten their life in order,
they don't pay much attention to to things that we're
talking about because life is just such a survival kind
of a thing, and that's what we want to We
want to take people out of them. And we started
with Maslow's hieracy needs, and I think the very first

(14:53):
episode that we did, if you're if you're embroiled in
a lower level of survival, you have very little time
energy to be able to go to the higher levels
that approach some of the deeper questions of life that
will have you explore what is it that you would

(15:14):
like to do with your life so that ultimately you'll
have peace and fulfillment. I mean, we talked about those
kind of things, and you know, I'm kind of you
in today's show is I've been to a lot of seminars,
a lot of presentations, hurt a lot of speakers in
my life, and.

Speaker 3 (15:29):
Sometimes you go to one and it's on a you know.

Speaker 1 (15:32):
You're the whole course is on a certain discipline or
certain subject, but the particular speaker that you hear that day,
you think this has got nothing to do with what
this course is about. But at the very end, you
take a step back and you go, it does that's

(15:53):
what this is today? You know, for any of you
that are listening, that are thinking, what has this got
to do with financial literacy? See if you can follow
this for a minute. I'll start with money and let
you know that if you accept that money is a tool,
it's a means to an end to help you get somewhere,

(16:14):
And we've given you all the most basic You know,
if you don't have a roadmap and you travel at
high speed, you're not sure you're going to end up
where you want it to. If you don't know where
you want you're not But fear of scarcity is a
major motivational factor in people's lives. What that basically means
is is that a lot of people, because they had

(16:37):
it hard for large portions of their life, they believe
that they've got to protect what they do have, what
they do acquire, that they don't think they have enough
to give a lot to others. You know, you're referencing
Don green Well, the book that he and Jim'stball collaborated on,
the Gift of Giving. There's a quote in there, true

(16:57):
riches are found in the peace of mind that generosity
give brings. Let me say it again, true riches are
found in the peace of mind that generosity brings. Would
you rather have enough that you have without being stressed,

(17:18):
so that you can keep all your bills paid all
the time, without letting your credit slip, be able to
do something extra if you want to to have some
reserves on the side there that are completely discretionary funds.
If you see a worthy cause, or you meet somebody
that touches your heart. You know, everybody every now and

(17:40):
then comes home at night and tells their spouse, you know,
I did something to day that was a little unusual,
maybe maybe a little out of character.

Speaker 3 (17:49):
I mean, I'll give to someone that's.

Speaker 1 (17:51):
Standing at the at the traffic light with the signs saying,
you know, I'll eat you know, I'll eat leftovers, things
like that, And you always analyze that is that per
out there doing the best they can or is there
a reason why they can't do anything other than what
they're doing. You know, everybody thinks these thoughts like should
I help them? Well, we all know that if you

(18:11):
give a man a fish, you'll eat for a day,
but if you teach him how to fish, he can
eat for a lifetime. So so every now and then,
though somemonal just go I saw a person today and
I just they touched my heart.

Speaker 3 (18:27):
There's just something.

Speaker 1 (18:28):
About the way that they that they that they stood
there with that sign asking for something, and I felt
that this was not the.

Speaker 3 (18:37):
Person's normal situation.

Speaker 1 (18:40):
Something must tragically have happened to this person, and I
would like to help that person without even asking what
happened or why you need a handout. And so people
will give as much as one hundred dollars or fifty
dollars to someone just like that, but they don't give

(19:01):
it if that one hundred dollars was necessary to go
to the power company and pay your monthly bill. And
in other words, if you're in a position where if
you make a beautiful donation, a charitable donation to someone
like I just described, and it keeps you from paying
your utility bill and it's already overdue, you got a

(19:24):
cut off notice and you don't respond to the cutoff
notice because out of the goodness of your heart, you
decided to give one hundred dollars to a person that
was on a street corner that was in need. Let
me say this, you are a beautiful person to have
a heart that you wanted to do that, and when
you did it, though it might make your own situation very,

(19:49):
very difficult and inconvenience a lot of other people. Now
I'm not telling you don't do that if your heart
so moves you. But what I'm telling you is the
question that I'm asking you is, wouldn't it have been
a whole lot better if the money that you gave
that person out of the goodness of your heart, without
asking for anything in return from that person did not

(20:11):
put you in a situation where you were jeopardized that
you might have your utilities cut off. Well, the obvious
answer is, of course, it's better to have money in
a reserve fund that you can be you can have
extra like that. So what we want to help you
do is we want to help you focus your goals.
Make your being able to have enough money to cover

(20:32):
everything a way of life, not just a work hard
and it happened, then it slips away from you a
couple of weeks later. We want to make it so
you never look back at the struggles that you had
with your finances. We want to get you to a
higher place where you're going to find the piece that
you seek. I have an expression that that I coined

(20:53):
about nine years ago when I started the foundation a
little left. I started my foundation right thinking foundation. My
potential is higher than my needs. We all have it
in us if we tap in to all that is
available to overcome any adversity, to draw from within, to

(21:16):
get out of a bad situation, make it better, learn
from the experience, don't have to go back to it again.
So Johnny, I'm going to lead us in if it's
okay to transformation. We both teach ways to help people change,
and most people that are trying to motivate people, they
talk about change. But we both know and you know

(21:38):
it as well as anyone in the world. I have
the utmost respect because you have dedicated yourself to this.
Next sentence that I'm going to give this is something
that I believe that you quote it in a show
that we did, episode one eighty three. By the way,
transformation is like a butterfly. Transformation is not change.

Speaker 3 (22:03):
You do not go back.

Speaker 2 (22:06):
Okay.

Speaker 4 (22:09):
You know it's funny when it's already leads you in
with yourself, so it's like.

Speaker 2 (22:12):
Wow, yeah, so let's let's talk about to bring people
up to it.

Speaker 3 (22:16):
Right.

Speaker 4 (22:17):
So transformation and I do have a book, and thank
you for lifting that up. I have a book that's
called Legacy Moments Transformation that goes beyond change. So part
of the legacy, or the transformation piece is the critical piece.
Costs to transform means to go through a metamorphois just

(22:44):
to typically.

Speaker 2 (22:47):
Not that your DNA changes, but it's like a butterf.

Speaker 4 (22:51):
A caterpillar going through the process. Hear me process of
becoming a butterfly.

Speaker 2 (22:59):
There's more than one.

Speaker 4 (23:00):
Stage of transformation typically, and once you get to the
butterfly as an example, you can never go back to
the caterpillar.

Speaker 2 (23:10):
And with humans it's a little bit different.

Speaker 4 (23:14):
Right because we can transform, and that's by changing our
habits and our belief systems. It's a mindset that happens
and you transform, you shift, you change.

Speaker 2 (23:29):
It's a skill set that you build to.

Speaker 4 (23:32):
Transform from where you are to where you desire to be.
That's part of legacy because many people have used their
past as an excuse for their future. Well, this is
who I am, this is where my parents were, this
is da da dah. That's that's not that doesn't have

(23:52):
to be your legacy. That's who they are or who
they were. When we blame people for our current state,
I don't care what the situation is. I'm not saying
that what happened to you what's good. I'm saying you
can move forward and get the good out of whatever

(24:15):
has happened. So then you take what you have in
your hand and you transform it. I take myself and
I transform to what I know I can be. And
I do that through hope, and I do that through faith.
I have to believe Number one, I have to see

(24:35):
something different. I have to let that be my purpose
or my definite major goal. I'm gonna call it goal
and go after that. And then I see the gap
between where I am and what I want to be,
and in that stage comes transformation. The thing about transformation

(24:56):
when it comes to humans is that some times we
can be triggered and something can happen and we'll go
back to what we used to do. When that happens,
or if that happens, you have to look at that
and say, you know, that is what I just did,
but that's not who I am. So I'm gonna fix it.

(25:17):
And let me give you a good example when it
comes to money. When it comes to I had I
had an issue because I would go into the store.
One of my favorite stores, and I would I don't know,
I would buy I don't know.

Speaker 2 (25:32):
I didn't need it.

Speaker 4 (25:33):
I just put it in my cart. And it seems
like the more I walked around the store, the more
stuff I put in my cart. However, when I was
transforming and becoming a producer of wealth instead of just
a consumer, this is what I said. I looked at
my I said, before you go in the in the line,
you have to look at your basket and you have

(25:56):
to remove the things that do not add value to
your life, and you have to stay within whatever dollar amount.
And I set the dollar amount before I came in,
so whatever dollar amount that was so then that that
required me to use my brain and my my own

(26:18):
will to look at it and say, okay, you have
to you have to shift this habit because the members
of a habit, I go into the store, I act
like you know, I was getting I didn't have anything
or whatever. I went kind of off to the left
in the store. But it was a happy place for me.
And that's what happens when you go and you buy.
Remember and doorphins are.

Speaker 2 (26:39):
Being released, so it's like it's like a happy place.
When you get the credit card bill it's like a
sad place. You got to pay for it.

Speaker 4 (26:50):
So I started fixing it before I put it on,
right before I did it.

Speaker 2 (26:56):
So I started taking.

Speaker 4 (26:57):
Things out of the basket and then and I checked
myself all the way home. Sometimes and my brother and
my family always tell me that I have an anointing.
I have a take back anointing. It's what they call it.
So and sometimes I got home and I said, you
didn't need any of it.

Speaker 2 (27:16):
I know you bought it. Okay, you had your happy hide.

Speaker 4 (27:19):
Now you need to take don't even take it out
of the car because you need to take it back.
And I would take it back. And so that's where
the accountability comes from. There are things in the middle
of transforming now. The butterfly can never go back to
the calpillar. However, you can build the muscles based on
all the stuff that we're giving you to build stronger mindset,

(27:42):
stronger habits, stronger belief systems. And then something could trigger
you and you go back to what you did before.
What you have to do at that point is recognized.
Member Steve said, self aware, recognize that you triggered. It
doesn't matter how you got triggered, just that you were

(28:03):
triggered and that what you just did does not align
to who you are, not who you want to be,
who you are because you have to start in the
and not just becoming, but to be. What does it
mean to be? Legacy is about being. It's a process

(28:26):
of becoming, but it's about being.

Speaker 2 (28:29):
Okay, so take it back. The same thing.

Speaker 4 (28:33):
If you're doing and it's in a relationship. Remember this
is about life, relationships and money. So if you're dealing
with something in a relationship and it relations to money
and you went to the left about something that happened financially,
then you have to come back and say hey to
your children, your spouse, you know, your significant other.

Speaker 2 (28:54):
Whatever, and come back and say.

Speaker 4 (28:56):
You know what we were, we're going in this direction.
This doesn't align to that. So let's talk about how
we fix that in the future. And if you went
off and you said some things you weren't supposed to say,
remember which on a legacy you have to let your
children as well as your significant other know that you
are person enough to apologize. So that's part of legacy.

(29:19):
What is your character? What is your integrity? I didn't
say I can't brought the items in and you know,
and tucked the tag and went and wore it and
then tok it back to the store.

Speaker 2 (29:31):
That's no interrogatory. That doesn't that's not my character. That's
not right. That's wrong. Okay, if you wear.

Speaker 4 (29:40):
The item out of your house, take off the tag.
You bold enough to wear it out in public and
you know all of this stuff, take off the tag.
So don't You don't have to pretend you can actually
have wealth. You can actually build wealth. You can all
you can do this. You can set up a budget
in a way that gives you so much money. When

(30:03):
I say that, put a little money away and then
go on a an investment in you kind of strategy. Right,
you can do all those things. It's how you do
it that leads to the transformation. And when you transform
as a human, it's a it's a mindset and it's
a heart h E A r T set because your

(30:25):
heart and your mind leads to your hand in your mouth.
So when you change your transform your heart in your mind,
then what happens is your actions and your reactions aligned.
But remember this is not about being perfect. This is
about going through the process. When you find out that

(30:48):
you're not going in the direction you want to go.
If you were driving, If you were driving and you
found out that you were not going in.

Speaker 2 (30:57):
The direction you want to go, what do you do?

Speaker 4 (31:00):
You make a U turn at a safe place, You
make a U turn, and you go back to get
back on track. That's what we're saying about this. It's
about a process. So when you find yourself out of
alignment to what you said you wanted to be, then realign.

Speaker 2 (31:26):
And get back on the road.

Speaker 1 (31:28):
Does that make sense, Steve, Yeah, Johnny, I got to
tell you a funny, little little antidote here that you
just made me really think about it. I had thought
about for years, probably almost forty years ago. I had
a client that was a electrical contractor, very large electrical contractor,
and he and I took a trip out of town
once and I really enjoyed. I really enjoyed. His name

(31:51):
was Frank, and I really enjoyed being with Frank. He
was very interesting. He had gotten in to sell towers
at the early early days, had a track with one
of the big phone companies just to work on cell towers,
and he actually fell forty feet and he was like
a miracle man. He had a plate in his head
for thereafter, but he fell forty feet and no injuries,

(32:14):
but he did have a plate in his head installed.
So but anyway, we were driving and we got into
this conversation and we drove fifty five miles down, down,
down a highway when we realized we went in the
opposite direction and we were already tired. I mean, fifty

(32:36):
five miles. We did two hours that night of you know,
we were so enthralled in just our conversation. We were
having a wonderful conversation, and then all of a sudden,
we just realized we should have taken a right, not
a left, and we lost two hours of our life.
Now we got over it, but we were tired. We

(32:58):
had to both call home and our spouses were running
a couple hours late. Yeah, it's why you have to
work late, you spend time with a client. No, we
just went the wrong way. Johnny, you said so much
in your last piece there. You said so much. And
you know, if we're if one hundred people are listening

(33:20):
to us, for example, if one of you are getting
what we're saying, then we're happy. And here's why everything
with the title of this series, right thinking, Life, Money, Relationships,
in a very kind of maybe not so easy way
to understand. Johnny has just said, it's your relationship with

(33:45):
everything and your relationship with your money. I think we
brought it around, Johnny, and maybe ninety nine people out
of one hundred might not see it. And I'm sorry
because if you just hang in there, it might not
be something you know. So not everything in life is
that easy to see. But we're telling you that if

(34:07):
you just process what we're trying to talk about right now,
it's your mindset and your relationship with your money that's
going to determine how your life becomes fulfilled and that
you don't have distractions and excuses that try to explain
away why you didn't have it. You know, there's nothing worse, Johnny,

(34:29):
than somebody that really really wants to achieve a goal
that can't achieve it, that wants to give nothing but
excuses for why it's not their fault that they couldn't
do it. You know, it starts with a sentence like, well,
what was I supposed to do? They did this to me.
That's called transference, not transformation. So what I want to

(34:50):
tell you is this, when you have a proper understanding
and have a good relationship with your money. You're going
to have made some decisions. Yes, you're going to have
some choices that you've made that leave you in a
direction of understanding, a direction of a higher understanding. When
I use the word today in the in the description

(35:13):
lift you to a higher heights, what I what I
was thinking about when I wrote that, I had the
word understanding, How you will understand how you can use
your money to get to higher heights. What I mean
by that is I want your life. I want every
one of you who's listening to not be in a

(35:34):
constant struggle, to not have anger that things were, your
opportunities were never there, that you just were born into
a bad life. No, we can overcome anything at all
those obstacles, but it takes a certain amount of inside yourself,

(35:57):
going real deep.

Speaker 3 (35:58):
And so that's what we're talking about. Let me let
me ease it up just for a second here.

Speaker 1 (36:03):
A lot of my conversation deals with struggles and obstacles,
but also a lot of my conversation deals with fulfillment
and peace. And so you got to accept the good
with the bad in this life. You know it's not
always going to be good. It's not always going to
be bad. But here's what I really want to tell you.
My mother gave me a piece of wisdom that I

(36:26):
think was as good as it could ever get. She
saw how hard I was trying to catch up my
finances when I was young, after I had had a
major setback.

Speaker 3 (36:37):
I was.

Speaker 1 (36:38):
I had my own business. It was flourishing. It was
an accounting practice. I had out of the blue a
neck surgery that I was down for for I wore
a collar from was six months and I couldn't. I
had to give all my clients to other accountants because
I couldn't perform for months. And uh it was. It

(36:59):
was a difficult situation. When I had to go through
my next surgery to diss removed and my neck fused,
came at a very difficult time. I think I was
thirty two years old. And then when I got to
where I could start working again, I started bringing my
clients back and getting new clients and rebuilding it.

Speaker 3 (37:17):
I was trying to get caught up on all these
bills that I had.

Speaker 1 (37:21):
I had communicated with all my creditors what I was
going through.

Speaker 3 (37:25):
They were wonderful with me.

Speaker 1 (37:26):
I learned then legally, if you pay a very small
amount you owe five hundred dollars of somebody, you send
them ten dollars. If they accept that ten dollars payment,
then it's almost like a contract to where they're not
going to be able to take you to court and
accuse you of not paying your bill even if you
don't have an agreement, because they accepted your ten dollars.

(37:49):
Now that gets kind of paid. Don't go too far
with that simple example I gave you, But I mean
there could be some court action that people try to
get on you and make you do better than ten dollars.
But if you call up somebody and say I've just
had a surgery, it's going to be months before I
can go back to work, and I would like to

(38:11):
I'm going to honor.

Speaker 3 (38:12):
My commitment to you. Will you accept ten dollars.

Speaker 1 (38:14):
Until I can get back on my feet, and then
I will increase the payment the moment I can. I've
paid many many creditors like that, kept my credit straight,
so I'm good at that. But my mother looked at
me one day and she said, Stevie, let me tell
you something. If you work that hard trying to get
caught up after you've had a big setback like you've had,

(38:38):
you're going to get really down on life because you
feel like the world owns you. She said, every time
you ever put together a good project that has a payoff,
like a financial deal that you might be involved in,
make sure that you take something out of that.

Speaker 3 (38:57):
Even if I.

Speaker 1 (38:59):
Did a deal where I put together a big project
and my fee was twenty five or fifty thousand dollars,
if I owe tremendous amounts of money, and it's going
to take every penny of that fee that I just
earned because it took a long time to get it,
and I was struggling until I got it financially, she said,
Even if it's just buying yourself a necktie, you put

(39:22):
that necktie on so that you can look at that
necktie and know, you know what not everything that I'm
doing has to be paid to those creditors. You know
I'll get it'll get better later. That's what I'm trying
to tell you. Your life doesn't have to be a struggle.
You can get past the struggle to a higher place,

(39:42):
but it means one thing or it's not.

Speaker 3 (39:44):
You have to do one thing or it will not happen.

Speaker 1 (39:48):
You have to make up your own mind that you
don't want it like that anymore, that you want to
have it different. And once you do that, go back
to this these lessons that Johnny and I have tried
to impartn you so you can manage what you have.
We said in the very first lesson, we're not going
to tell you what you have to spend your money on.

(40:09):
We're just going to teach you how you can make
the choice and know what you're doing so you have
control of your finances. So, Johnny, is there anything Is
there anything else? Oh, here's one of my notes. I'm
going to get real deep here. I love to read,
so I'm just going to slip that in. You know,
reading is the answer. Read books on the subject that
you need to learn things. But you were talking about

(40:31):
transformation is like a butterfly. There's a book I read
way way long ago, write in high school or college
by a person named Franz Kafka, and it was called Metamorphosis.
That's the whole story of transformation right there. Metamorphosis. And

(40:51):
you know, Thomas Wolfe is a great, great author. I
think he's from North Carolina and he wrote a book
called Look Home Angel, and it's about a very intellectual
youth that wanted more out of life, and so he
was looking you have to come of age in your life,

(41:12):
and that's what that book was called. It was a
coming of age book a person that was searching for
his meaning, what he wanted out of life. I'm just
going to end my part today, Johnny with this statement,
and I'm sure we'll probably go a few more minutes
because you're gonna say something that triggers me into another thought.
But if you're a person that's just going through life
and just feeling like you are being manipulated and work

(41:37):
by everyone else, by the system, or whatever you want
to call it, you're going to have a defeated attitude
unless you finally get to where you look deep inside,
pull something out and say, you know what, I'm not
going to let life do this to me anymore. I'm
going to find a way that I can take control

(41:57):
of my own life. And Johnny and I are here
to tell you that getting on top of your finances
will eliminate a lot of the stresses that you have
in life, so that you can deal with other things
and not have.

Speaker 3 (42:09):
To worry so much. About your finances. That's what Johnny
and I are here to help you with. Johnny, where
would you like to go with the rest of us today?

Speaker 4 (42:17):
You know what I'm gonna do is is I think
a lot has been said, so I want to give
some quotes out of the book Legacy Moments Transformation that
goes beyond change, and a person can reach out and
find it at my website Johnny Lloyd dot com. However,
it's not about the book, it's about the information. So

(42:39):
just just hear me for a minute, because I think
this brings all of it back to together.

Speaker 3 (42:45):
Uh.

Speaker 4 (42:45):
This is a quote by some to tease you, if
you know the enemy and know yourself, you need not
fear the result of one hundred battles. If you know
yourself but not the enemy, for every victory game, you
will also suffer a defeat. If you know neither the

(43:07):
enemy nor yourself, you will succumb.

Speaker 2 (43:12):
In every battle. And I think that's the deal.

Speaker 4 (43:16):
Part of the situation is that we need to know
ourselves and whatever we're dealing with. And when I say enemy,
that's not some mythical character. That's what we're thinking. What
we feel is holding us back. If you know what
you're fighting against, If you know where you want to go,

(43:38):
you know what the goal is, to win the battle,
then you can move forward.

Speaker 2 (43:43):
And then what I would like to do next is eliminate.

Speaker 4 (43:45):
Some of your excuses, because a lot of people have
excuses for why they can't or can't do something. Okay,
So in the book, and it's in the book too,
it talks about Jessica Cox.

Speaker 2 (43:58):
She was born without.

Speaker 4 (43:59):
Arms, but she's now a motivational speaker, she's an author,
she's a licensed armless pilot. She has a black belt
in taekwondo. Did I say she was armless? Okay, let's
talk about Michael Jordan. Everybody loves Mike, right, So in

(44:22):
the sophomore year he was not accepted on the varsity team.
They said he was too short and clumsy. He missed
more than nine thousand shots during his career and lost
all almost three hundred games. Hello, it's not just we
want to look at the wins. We have to remember

(44:47):
that in the process is what other people may perceive
as failures.

Speaker 2 (44:53):
It may be something that we need some support.

Speaker 4 (44:58):
Don't look at your life as an excuse, look at
it as an opportunity and Then lastly, I'm gonna use
Steve Jobs. He's one of my favorites. And the reason
that Steve Jobs is one of my favorites is because
he was adopted. He was put out of his own company.
Can we talk about that one he created? He was
kicked out of his own company, and we won't get

(45:19):
into the details of that. But so he was fired
from Apple at thirty, humiliated, depressed, unemployed and stripped of
his company. He found it later returned to Apple and
it's one of the greatest companies ever told. But in
the midst of that, he created Pixar. He did something,
So stop looking at what you don't have and look

(45:42):
at what you have. So lastly, this is what I'm
gonna tell you that in here talks about things like affirmations.
How do you say, Johnny and Steve, how do I
move forward?

Speaker 2 (45:54):
How do I make this change? How do I transform?

Speaker 1 (45:58):
You?

Speaker 4 (45:58):
Do it by what you think? Right, That's what I said.
That's what we've been saying, is by what you do.
All the training that we're talking about and giving to you,
we're not saying okay, So we're not saying okay, jump
in and do a one thousand percent of it. But
if you take one, just one of the items every

(46:20):
week and apply that one to your life, Take one, whether.

Speaker 2 (46:25):
It be every day, but let's let's just give you
some chance.

Speaker 4 (46:27):
Let's say every week, take one of the things that
we've done, we've said, and the other ten plus episodes
and apply it to your life. Do you know what
would happened in your life?

Speaker 2 (46:41):
Your financial will being.

Speaker 4 (46:43):
Your personal life, your your your your personal. When I
say personal, I'm saying your work, your relationships, your family,
all of those things will be impacted. And you know what,
when your when your family sees you change, whether they're
in your house, are outside of your house, When your
friends see you start making a difference, That's how you'll

(47:05):
leave a mark on them. That's how you'll tap into legacy,
as you tap into when you impact their life and
they say, well, dad man.

Speaker 2 (47:13):
How are you doing that?

Speaker 3 (47:15):
Girl?

Speaker 2 (47:16):
How are you doing that? How are you going out
and doing that? How are you taking this major vacation?

Speaker 1 (47:21):
Girl?

Speaker 4 (47:21):
Because I stopped drinking coffee every day with y'all, or
stop going to dinner five times a week with y'all,
I start cooking at home. Whatever you apply, we're not
telling you how to apply it. We're giving you information
about the benefits of applying it. So to affirm affirmations
are I recommend in the book and other places recommend

(47:44):
present tense. I am statements I am two of the
strongest words you can use. Because when you say I am,
then your mind says, okay, what do you want me
to do? Your mind is looking for what's behind that
I am. And so when you say I am in
something negative, your mind sets, oh, that's what you want,

(48:06):
no problem. So be careful with those statements and use
them to your benefit. Use it for your good. Then,
and I'm just going to read a couple of them.
It says, I am prosperous and all I do I
am prosperous and all I do right. And that's one underwealth,
one under character, because when we're talking about leaving the legacy,

(48:28):
I am attracting success and prosperity through my choices and decisions.

Speaker 2 (48:34):
That's under character, right.

Speaker 4 (48:36):
So look at what you can do to transform your life,
To transform it.

Speaker 2 (48:44):
This is the thing.

Speaker 4 (48:45):
Nobody else is responsible for your life but you. But two,
we can feed you with information, we can give you insight,
we can do all of that however, there's a gap
between what you do and what you know. Will you

(49:07):
feel that gap and transform your life with the information,
with the insight, with the revelation that you're receiving, or
will you reject it? So we're giving you an opportunity
to choose life, to choose a better life that will live,

(49:27):
cause you to live and leave a greater legacy. Because
when you start putting in the things, like we said
for the insurance, when you start looking at those things,
you're going to see differences start happening in your life.
And then what I'll tell you is this, everybody that

(49:49):
sees the impact and the change that you're making, everybody's
not going to agree with that. Everybody's not going to
celebrate you as you move up or as you shift
your mindset, and there'll be days you look at you
and say like, why am I doing this? Because there's
greater a head. You need to know that you need

(50:09):
to keep a hold, hold on to hope, hold on
to your faith, hold on to a better life ahead,
because there are generations that are going to be impacted
by this. And one of the things that I'll leave
you with is this, because Steve, Steve and I have
a million stories that we tell when we say that

(50:31):
we have life issues that we do. So I used
to look at my mom and I'm gonna use her
as example. I used to look at what my mom
did in life and say that all she does is
go work for other people. You know, she she was
what people may say, she worked in people's houses, cleaned
and helped them with their kids and that kind of stuff.

(50:51):
So at one point I resented it in one part,
us at all. You know, she's a maid. Let me
use to break the term she's a maid.

Speaker 2 (50:58):
My mother was. I mean we're talking about in the
early seventies.

Speaker 4 (51:03):
My mother had a thriving, amazing business working for executives
in their home. And because of that, the legacy she
helped me with is she one of them was a
president of a huge company called On's Illinois. It was
in Ohio, and that caused me to be on the

(51:25):
research team as a summer higher before I went to
college to help create the plastic bottle that you drink
out of the legacy she left me with is character, integrity.

Speaker 2 (51:41):
My father had four businesses.

Speaker 4 (51:43):
I am an entrepreneur, So stop looking at what you
don't have and look at what you do have and
build on success. So your parents, I mean, so your children,
so that your grandchildren will look up.

Speaker 2 (51:58):
So, now my daughter is an entrepreneur, not because I
said so, It's because she sees me.

Speaker 4 (52:04):
And when the opportunity came in the middle of the
pandemic and they were saying that they couldn't keep her
on and she had to make all these changes, she said,
you know, nah, I'm gonna go start my own business.

Speaker 2 (52:15):
Now she has some other dynamics. I'm not telling you
to quit your job.

Speaker 4 (52:18):
Okay, she has some other things that allowed that, and
she had somebody on her side that supported that and
helped her build it.

Speaker 3 (52:25):
Right.

Speaker 4 (52:26):
But the reason I'm telling you that is that connect
to people and if you're the smartest person in.

Speaker 2 (52:35):
Your group, find another group. I'm not telling you to
leave those people.

Speaker 4 (52:41):
I'm saying find an additional group where you're not the
smartest person in that group and learn from them. And
we didn't discuss that. But how you transform is you
get mentorship. How you transform you build a mastermind. How
you transform you start where you are, You use what
you have, and you do what you can.

Speaker 2 (53:04):
That's how you chance.

Speaker 1 (53:05):
Steve Johnny, I think that we did it today. I'm satisfied.
I hope more than one person got something out of this.
I hope all one hundred did. Kind of a summary,
just a closing line for me, is if you listen
today to what Johnny and I try to help you through,

(53:26):
you will be able to budget what you do have
better and you can do more with what you have.
That's the tie into the financial part. Become who you
were supposed to be now, and don't put it off, Johnny.
Next week it's going to be the last of this series,

(53:48):
and I know some people might be clapping, but I'm
going to probably be tearful, and we're going to just
kind of try to sum it all up and do
what we'll call a review, you know, but we're going
to bring some new points out next week that we
maybe haven't shared yet. But Johnny, it has been a
pleasure to get this far with you on this series,

(54:09):
and today was beautiful.

Speaker 3 (54:11):
I think that I.

Speaker 1 (54:13):
Think that some people will get completely straightened out and
have a life of fulfillment because they're going to finally
put together that you just can't you know, the harder,
you know, you know, people they just believe in working hard.

Speaker 3 (54:32):
You know, it's not just working hard. You have to
use your head.

Speaker 1 (54:36):
So there's cliches about that, but you know, let's not
do Let's not do that.

Speaker 3 (54:41):
Let's not be the.

Speaker 1 (54:41):
Harder I work, the the hinder I get. Let's do
the opposite. Let's just sit back and use our head
more and not just beat ourselves to death as much. Johnny,
thank you so much for today. I hope all of
us can be closer to your destiny.

Speaker 3 (55:00):
Johnny. God bless you. Have a wonderful week.

Speaker 1 (55:02):
Everybody have a wonderful week, and we'll see you again
next week.

Speaker 3 (55:06):
Thank you.

Speaker 1 (55:08):
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.

Speaker 3 (55:16):
It will get better.

Speaker 1 (55:18):
God bless you and have a great week.
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