28 Burst results for "Chris Hogan"
"chris hogan" Discussed on Order of Man: Protect | Provide | Preside
"Investment advisor at bringing my insurance agent. They're all part of the team. They are not the team. They are up components right with me as coach the team. That's exactly right. I've used the analogy similar to that a me and the team owner writing. And so i will bring in some some some other coaches to help me with this to achieve that And so you're absolutely right but the team thing is important just because you know i see family you know as a team you wanna work with someone that understands your goals that you can get real with you know. I connect with my investment professional a couple times a year just to get updated. They know the goals for the buckets of money that they're in charge of and so i talk about it that way and i go okay. Well this is what this is doing. And this is what i need to make. Sure we're on track or we good. And they'll let me know some little tweaks that can be made to make big differences so all in all. I'm trying to break down barriers right barriers that are standing in the way of people making progress on talk about that on my show. The chris hogan show you know. I tell them. I'm focused not finished as my tagline. And all i'm saying is focused on what i want And i'm not finished trying to go after it. And that's that daily focus and effort and intention -ality but also sacrifice and so you know helping people understand that formulas crucial. I had a guy reach out to the other day. And he he hit. I'm paraphrasing here. But his question was or his scenario was that he was having his wife manage the finances. The budget things like that because she was good at it and he wasn't and and he said m. i. relinquishing sovereignty. Some of my power. And i told the guys at no not at all like you're you're bringing the right people into the right position in order to get the job done like you don't have to feel threatened or your masculinity doesn't have to be be a under the lens because you're having somebody else do something that they're good at work. There's a lotta guys who feel like they give any sort of this this stuff away that somehow there relinquishing their control. They're not doing what they should be doing. Have you experienced that i have. I've actually had a guy who was extremely egotistical about it to be honest I was able to share with him. One story that begin to give him a whole different perspective and the story was i had coached a couple and he was good at it. She didn't like it. She was scared of it but she agreed to have a budget meeting they communicated about it had a general plan but he was the person that ex- ex- you know executed the plan while he was in a car accident. I ended up in the icu. For almost forty five days He actually held on life and made it through but at rehab had a lot to do to learn to walk again at and communicate again and so and that time. I remember her coming in with the spots of stuff Because she knew of it but she didn't know how to do it. And so i told this gentleman who had ego i said listen to me. Said you don't wanna be that family and i said so the best instances to cross train meaning. You understand what's going on with the kids because his wife was a stay at home. Mom you need to know what's going on with the kids and how to be integrated into that and your wife needs to know how to step into the bill. Pay as said that way. This cross training what you do. Is you end up protecting the family because at one piece goes down or gets ill or you know god forbid something else. You don't cripple the family and i said no one would intentionally do that. And so that really resonated with it and and so it was one of those this cross training thing. They really took it to the extreme meaning they would rotate every thirty day. Is bill pay right. They were doing together and then they had the bad love he loved to pay online. She liked checks like that was one of their battles. I'm like guys. Let's not look like a really. He's here yeah. Adams here was a bag on bill gets paid. That's what matters but yeah. I think that idea of cross training each other. It just helps the family be stronger. I'm gonna have to Think about that a little bit in my own personal situation. Because frankly the way i've done it is i'm good at this stuff. I like the stuff it's fascinating to me. I've got a background in it. So right i told my wife. Hey look i think this is one step better than not having the conversation but now did you say this. I'm like i need to do a better job at this. But i've told her i'm like hey look if if i die or i get an injury right become incapacitated call these people. Here's the con. Just call these people. I trust them. They're going to help you with this stuff. I need to do a little bit more thorough job than just that well and not only. Here's the thing the next time you meet up with them or do a zoom call. Have her join it. And i got to see this firsthand. A good friend of mine was tragically killed in a car accident And it was one of those edges broke everyone's heart They had stuff in place insurance and all the stuff but the beauty of it was you got to see the wife reach out to the insurance person and so because she had been involved. It wasn't a first time to meet in this marred situation. It was the continuation of the relationship. They had met before and so during this hard time for her. She wasn't connected with a stranger she was connected with an associate. And so i would say just just have them involved in the meeting That way they get the chance to get on a first name basis and it just again strengthening the family all the way around. How do you suggest getting a wife. Fund board with these types of conversations. Who is not even remotely interested in having any of this conversation one answer a one word answer kids. Okay if you have kids for the sake of the kids for the sake of the kids future It's imperative that we do this together. It is imperative because like you said you told your wife. God forbid something happens to me you're going to be taken care of but it's one of those things. God forbid. something happens to her. You wanna make sure you're taking care of. And so often times thing that will unite couples more than anything else. It typically starts with kids and then eventually what i want them to understand. His kids grow up and leave like they're supposed to right so you need to make sure you guys have some dreams together to yes. That's good so this might sound. Maybe a little bit but basically what you're saying is fine. Find her. I dunno pressure point. Her voted okay. That's a better way to your point of concern dream. I think it's kind of all we've been there because we all have all three like we all do. I don't care how big or how strong or how tough you are. We all have those things that we're worried about at and typically as a parent you want your child to be okay right so that means you want to make sure that ducks are in a row. I've never met a parent or grandparent. That doesn't feel better for their kid than what they had growing up..
"chris hogan" Discussed on Order of Man: Protect | Provide | Preside
"Which as of march of this year twenty twenty one We will be at this thing for six years. And it's been an incredible ride. I want first and foremost thank you because without you tuning in and listening in and and sharing all of these are doing to band with us in this mission to reclaim and restore masking. When just would not be where we are. So i wanna thank you for that. I've got a great one lined up. I know money issues are topics and issues and conversations. That are on a lot of your minds right now as we roll into twenty twenty one in you're thinking about how you can improve your financial situation so we'll get into that in just a minute before we do. I wanna make a mention of my show sponsors and friends as it has been for believe years now at this point which is origin main. I want to mention one special thing that we're doing and i've talked about this on previous podcast but As of the middle of january of this year we are going to be releasing. Or i should say is going to be releasing Their very first beard oil one hundred percent sourced and made in america not only the ingredients but also the packaging and the boxes and everything else and i've partnered up with them in this project of consult with them. Giving them ideas shared different things that they could do looking forward unique angles and ideas. And i think we've come up with something very cool With with beard oil and beard care so it's not available just yet. It will be over the next two weeks. I imagine and i want you guys to be one of the first to have access to a very limited run. Were doing this as a test. So if you're interested and you want support overdoing and you want to maintain the glorious beard that you have or you're growing a beard and you want to make sure you're doing it right then go to origin beard oil dot com origin beard. Oil dot com. For now. all. I need you to do is enter your email address And that way when we released this thing you're going to be one. The i know before we release it to the public. So i'd like to get into your hands on your face before anybody else. So go to origin beard. Oil dot com origin. Oil dot com. Our guys would that set an out of the way. Let me introduce you to my guests before we get into the conversation. His name is chris hogan he's backed by popular demand in fact. I think the podcast that we did previously is my number. One most downloaded financially related podcasts. So this guy really resonated with a lot of you had a lot of information to share and today's no different now if you didn't listen to the podcast that's okay. I want wanted to know..
"chris hogan" Discussed on Coaching for Leaders
"Is to help as many people as possible avoid financial traps and set their families up for the future. His book retire inspired. It's not an age. It's a financial number is number one national bestseller. And the chris hogan show is millions of downloads. Chris's also a regular contributor to the entreleadership podcast atop podcast on business leadership. He is also the author of everyday millionaires. How ordinary people build extraordinary wealth. And how you can to chris so glad to welcome you to the show. Well thank you dave. It's a pleasure to be with you with so much around money and wealth. I know there's a lot of nuts and bolts things we can do. And we're gonna get into that but there's also a lot of psychology around this and it and it requires sometimes to unlearn some of the assumptions. We've had and i'm curious for you having now been in a place where you advise so many. What's one myth that you had about money as a kid. Or maybe even a young adult that you've had to unlearn over these years That's a great question. I think i. I grew up believing in order to have wealth. You had to be born into it. Meaning that it was something that had to be left to you or you had to be a pro athlete or entertainer in order to get to that level. What's different about what you think now on that well. I know that it was completely false. I mean it's one of those where you said it right where there are some things that we have to unlearn or relearn and really getting an opportunity to interact with pro athletes entertainers and some people that did inherit. I've met many more people that have built wealth on their own as opposed to people that fell into those categories. And so seeing it now and haven't done the largest study of millionare's it's ever been done. We talked over ten thousand. I now know the truth and know what's possible for people regardless of where they are. I wanna ask you about that study because it is fascinating. Some of the data that came out of this. Who did you look at in this huge study. It's the biggest one ever done like you said you know. Of course we started with millionaire next door. That book was very influential in my life in the nineties and looking at it and digging in they studied around eight hundred people and so proving to move in this direction and really wanting to know. What's possible and what's going on..
"chris hogan" Discussed on The Rachel Cruze Show
"Right and look at it and the quiz was actually very insightful. And it was it was dead on and looking at it but it is good to know yourself but more importantly we talked about you. Want to know your spouse or your significant other so you can come up with the game plan for what you wanna do. Yes and you can get have that empathy. And i think to both extremes where we talked about this. This are negative so the extremists status is kind of obvious. Right you just you just you get into this mindset of i'm going to buy everything's gonna feel better if i just by by if i have this without that great and no. That's not the case. Stuff does not equal happy. Because they're always going to come out with new stuff themselves started them since. Have you seen the ones that will back up for you. I really really people get in. The car is my dream car really. I tesla oh yeah. And he's kind of like. Are you wearing him down. Cyber we just got the new minivan We can't we can't minivan you know no chris hogan abundance of children. It's changed my life. It's probably will i digress. Okay what we're talking about. Oh status yes and buying stuff. See love to buy stuff minivans. I like a good tesla. Here's the thing if you've got a plan for your money yankee i now if you have extremes here you extreme status but if you're an extreme saver than you won't ever joy extreme safety people not no. It's not because then what you're gonna do is you're going to feel this this tension inside of you right and at some point when you go big you're going to go real big and you could really set yourself back financially. I try and i find that a lot of people will have an ultimate security and money in the safety at round. The money will never offer so you almost get to this point that like you can never have enough money to feel safe. That's the only place your safety and security or in. It's not the end all be all really isn't it'd be wise and be smart all of it But again those extremes not healthy okay. So you're more safety case. I told you about my status. And my tesla dreams. I have of what i can do. Budgeting for real wet for safety for you. Where do you feel that you can imagine rachel. I'm a little excited about retirement. And so i can. I tend to go that route and looking at the four one k. and looking at investments. And if i tweet this than i do that. And so i can catch myself in that mode and then i'm not doing things that i enjoy because my mindset so it's really good to have people you talk to to get you to kind of come out of that so i try to plan for the experiences and set aside things to do each quarter. Allow me to be able to make sure. I'm saving for the future of course but at the same time i wanna be in the moment like i have to live for the but i can be in the day. That's okay so okay. So you have three tips for us as we as we end this of knowing who you are they really do help so i is. I want you to grow your knowledge and that means books get connected to this financial stuff to learn all the terms and what it means and gain comfort in that the second one is is believe you can get better and all you have to start right where you are so grow your knowledge believed that you can. And then finally i want to dream in high definition. I do want you to have goals for the future that you're striving for because that's sure why that's what will get you out of bed and we'll keep you focused a lot of things you can do..
"chris hogan" Discussed on The Rachel Cruze Show
"Chris hogan is year. Thanks for being back. I'm glad to be back with you. Happy happy you're you're like just just add to these. Put me to work. I doubt like you need come on my show that we had talked about. I know okay. So i knew money causes out. And it's fascinating because it really shows you your money tendencies. S interesting questions can figure out a who are you. So i'm going to go through your result I feel like a teacher grading. And i'm like okay. So the first category was spender versus saver. And you are a moderate spender. U2 yes. I may have been extremely fit. Moderate to extreme deal. It's good to be able to enjoy money. Yes it's good to be able to enjoy some things however on the other side of it you've got to save yet right. You can enjoy but you need to make sure that you're investing if you're at a then you've got your pulling funded emergency fund and you are putting money up for the future. That's right so the saving and spending again you're nationally bent to be one or the other and i have set the extremes on any of these not healthy to be an extreme and their own extreme saver flavors hoard their money enjoy don balance right to find the balance. Moderate spender moderates better awesome next one is abundance versus scarcity and you are a moderate abundance mindset. Yes i believe that there's money out there to be made for everyone and there's enough for everyone and so if people are willing to work and get out and take the risk and do what's necessary. They can make money. that's right. Session abundance mindset right. There people eilly in that way as well more glasses have full s empty that kind of thing and again on extremes of scarcity and abundance knock right if you're to abundance and we just think evans will be fine and i'll just figured out and it's going to be great and it's like okay. Another bill reality and scarcity. Too extreme scarcity won't do anything and so here's the good thing about abundance mentality. You're willing to give right your natural giver. You love to be able to support causes that you believe in. Yeah that's a good thing for sure. There's some scarcity people in my life winston. My husband was scarcely lanes more scarcity yet. So more of a natural saver usually They kind of they. They are more logical and their purchases through has to be like okay makes sense. I'm just like amazon app. That's great that's great. What a great deal. My mom scarcity. She's a little bit more sharing a slow to move with the money. Sharon man we have some good stories. See my mom still has library. Card will does not like buying books coupons coupons yep by stuff on sale all of it yet but that comes from something like in your life. I think that you kind of you probably naturally was your personality gravitate towards one or the other but also the events in your life could cause you to be one way or the other for sure is good to understand it and really dig into. If you're married talk to your spouse about your significant other so you can start to understand each other right and that allows you to get on the same page. That's right think about the people in your life and what they are because a really informs why they do the things with money news fascinating so you're abundance more minded. Okay give me an example and your life will in looking at it. It's one of those things where i know that money is available to be made right. If you work hard you can get out and hustle and do some things But i also know that with that. You have to be careful that you're not impulsive shared. Because you think that there's always more that can be made so it's good to have wisdom and talk to somebody before you make a big purchase like before you buy vehicle or before you buy a home you want to make sure you're getting some wisdom and guidance because you can be so optimistic that everything looks great. That's right now for us. We were talking about christmas decorations. Small thing. I know but we need a new christmas tree and then i'll say okay. We need some more ornament free correal tree. We're going fake. Did real two years in a row. About real christmas trace. I go fake. You'll have value because the real ones. I mean if you don't keep them watered it can be a situation real christmas tree. People are passionate about their christmas tree. So i just thought. Are you a real christmas royer because by to get your equal opportunity. Forget somewhere like looking at like and i would love. Some nice garland like railing upstairs with christmas lights. And let's add some garland on the mantle in the living room. Like are we going to do. Are we gonna do christmas lights outside. We never really do say if we should do christmas lights. Outside our christmas conversation he was like me so much christmas. And i'm like i know but it's not like it's all going to be fine. We figured out gonna put up. This stuff happened. I usually help but usually we attacked him. And it's like i take care of kids. You do a chore. Or i do it for you. Take care of his say christmas get. We'll get more here more. Here's that'd be fun. Yeah it's all abundance. It's all good. And he's thinking through every garland's yes measure and how much per yards at a lot of work okay next category status versus safety. And what i mean by this. Some people are confused. What is your motivation to win. With money for some people. It is strictly just to feel safe. I feel good earnings in order. I'm good. I don't need everything i just wanna feel good. That's your primary motivation. Other people's motivation as diwan was money. So i can do fun things and by fun stuff and that kind of thing so status seems negative. I don't mean to be negative kind of your reasons or motivation for winning with money so yours is a strong safety. Focus mind sense. Sat's right so. I want to make sure that there's money there in the emergency fund to take care of things that are gonna come up And you write. That stuff does come from it because long before a part of the team. You know you'd find yourself running out of money before the end of the month and that stress that it brings frustration and irritation so yes it is important to have that there and i think throughout all of this covert stuff that we've been dealing with people have learned that having that emergency fund is absolutely central. Yep absolutely yep okay. So i actually lane more status surprise. No no. Because i'm like. No i wanna i wanna budget so that we can do stuff like i wanna budget so we can go on a great i. I will do the things. I will sacrifice. I will put money in the retirement funds i will. I'll make sure our emergency fund isn't touch. I will do things so that i can do other. Things statements of budget gives you permission to search very status type sense but it does give commission does allow you to be able to enjoy to also be able to give so. It's good to understand this right and look at it and the quiz was actually very insightful. And it was it was dead on and looking at it but it is good to know yourself but more importantly we talked about you. Want.
"chris hogan" Discussed on The Rachel Cruze Show
"We're not here to defend your parents. We're not here to bash them but we are here to tell the truth the truth reveals a lot and it's a really important act to to to look back and just tell the truth. What was it like growing up with money guys. Welcome to another episode of the rachel cruze show podcast so glad that you're here in this episode. I'm going to be interviewing chris hogan on money. Tendencies a good one because we actually get into my money tendencies and his as well and it wouldn't be answering the question. I get all the time at. What baby steps should i upgrade my vehicle. But i i want to dive in to the money classrooms. I write about this in my new book but it is so crucial. You guys to understand which classroom you grew up in because it really shows you why you make some of the choices you make decisions you make today with your money so thank back to how you grew up with money because there's a chance that you duplicate exactly what your parents did right wrong or you run completely to the other side the other direction. You're like nope. I'm going to complete opposite right or wrong but acknowledging it knowing it is really important so i think one important thing too is to realize when you're talking about your parents and how they handled money and how you were raised with money. We're not here to defend your parents. Were not here to bash them but we are here to tell the truth the truth reveals a lot and it's a really important act to to to say okay. I'm gonna look back in. Just tell the truth. What was it like growing up with money now. Parents communicated to ways about money verbally and emotionally verbally. Either they were about money. Talked about out there or close where you never heard them talk about it at all. No matter what's and emotionally that communicated as well was their stress and tension and anxiety around money or was it calm and stable. And just okay. Yeah money's fine not a big deal so what ends up happening. Is you fall into one of four money. Classrooms in your classroom really is where you learn. Life's lessons which was shot at home so you either grew up in an anxious classroom unstable classroom and unaware classroom or secure classroom when it comes to money so here are a few questions for you to figure out what classroom you grew up in. Did you have a hard time telling your parents that you money for school. Did you observe your parent's money habits rather than hearing about them. Did you feel tension around money than hearing an actual argument. Did you feel like you didn't have any freedom to ask questions around money if you answered yes to most of these questions than you probably grew up in an anxious classroom. This is where communication was closed. You never heard about it and the emotion was stressed so if that was you one of your challenges is going to be talking about money openly to say. No i'm actually going to engage this kind of uncomfortable. Conversation with friends. Family spouse whatever it is so that could be your challenge. Now did you never think about money. Never have anyone teach you. How money works did you find out later. Your parents actual financial situation whether it was good or bad. Did you hear your parents say that. You don't have to worry about money and the case. Possibly you grew up in unaware classroom. This means that communication was closed but the emotional state of the home was calm. If that's the case one of your challenges is going to be apathy kinda like this. Ignorance is bliss earnings fine. Don't worry about it. It's it's all gonna take care of itself so watch out for that all right. Did you hear your parents always argue about money. Did you feel like things either. Feast or famine like at swapped quickly between shopping sprees or fairly being able to cover bills. Did you never hear your parents actually have a plan for their money. Did you feel like money issues. Were just never resolved. If that's the case then you possibly grew up in an unstable money classroom. This is where communication was open but the emotional state of the home was very very stressed. So if that's the case then you possibly will have a challenge around communicating about money and the conflict around money. Because you're going to feel like anytime money's brought up. There's going to be unhealthy conflict. Which again is not always the case. Mel lastly did you hear your parents talk about money and openly. Did you hear com intention around their money decisions. Did you actually witness them doing a budget and meeting together. Did you experience your parents being on the same page with their money. If so then you probably grow up a secure money classroom. If that's the case then one of your challenges is going to be understanding all the work and intention to create that environment. I encourage anyone no matter how you grew up to really try to get your family there where money is openly about but also the emotion of it is calm now. You don't have to have a lot of money in order to do that. You could still be on a tight budget but you're actually in control of your money and so that stable classroom is really really key. As i was writing i realize ramsey kid i was like yeah i mean my memories started around six years old so i was like i mean i kind of grew up in a stable classroom and i mentioned it to my parents and they both looked at each other and laughed. Because they're like well. Let's because your memory started when you were like six years old six years below. We're in the unstable classroom. Lots of fighting lots of conflict around money lots of stress. So this is not to shame your pass by any means but it is to acknowledge say. Hey this shapes who. I am and in order to acknowledge that and see that. Tell the truth about that you can learn and grow from its and again..
"chris hogan" Discussed on BiggerPockets Money Podcast
"Chris Hogan from the Chris Hogan show Welcome to the BiggerPockets money podcast. I'm so excited to have you today. Well, thank you. Thank you. It's a pleasure to be with you all we have actually met before I'm sure you remember we were at them come together with two thousand other people so I know I'm sure you remember. So Chris you have a song called everyday millionaires where you conducted a study of over ten thousand millionaires to figure out how they became a millionaire and what I really identified with in this book is that it isn't winning the lottery or getting generational wealth, you know, inheriting your money. It's making it yourself doing it yourself investing it yourself and growing it yourself. How does a baby start when they have come from a place where they don't know anything about money. Hm, you know, that's a great question and I think the first thing you have to do the start point is to believe wage. It's possible for you and I say that because when if you don't believe you can you won't and so the mindset around it and understanding the reason we did the largest study wage. There's ever done before was to really break down a lot of myths to be able to help people see it and understand it so they can then choose to believe that they can then the next step is grow your knowledge about money. How does this stuff work? What are the things you need to do? And then the third aspect of it is taking action and so really just sum it all up in one word having someone start intention a very intentionally. Yes. I love that. I love that one of the big questions that we get a lot from people who listen to the show is that they listen but their spouse off their board, but their spouse is not how are you get somebody on board who feel I mean the whole thing about, you know, we have to fix our finances we have to get out of debt that when I am not ready wage. Hear that that tells me I have to cut out everything that's enjoyable in my life. I have to stop doing anything fun and just buckle down and have a horrible horrible life and it's just not true. I think the wrong place to start as I'd advise people in start from.
Learning with our Kids through Digital Play with OK Play App Co-founders Chris Ovitz and Dr. Colleen Russo Johnson
"Hi I'm probably next high embraced. The I'd were sisters, Fred Solders, wives, and business. And we're just falling three. We know. To be a better version of herself every day. All right and we're also. Welcomes. Sisterhood. Hi Emma what's up everybody? How are you? Do everybody I'm great. How are you? Yourself. Do I wanNA, introduce myself. Yes I do. Hi everybody. My name is Lena. I, am Bruce's sister. And I am a mom of three girls nine, six and three year old right now, and we're just trying to survive. who at you on the other side of the Mike. I am also your sister Duh. I am but he Lopez mother of two of a three month old and a fighter old little boy and my little girl who was just born three months ago. Just trying to be me being you know the best near can be embracing be. Husband. I had to have a high note shuttle the has. To the husband's Yeah I mean, we're just assist in women trying to be better rational results every day. If you're new to the show. Welcome to the Super Sisterhood, and if you are og longtime listener Sept- ladies, we love you. Also. Don't forget to follow us on our Social Media Instagram and twitter at underscore. So but Romance Facebook, Super Roma's podcasts, and on the Web Superman dot com, you can check out or previous episodes newsletter subscription newsletter all the articles that we have just check it out to romance dot COM If you WANNA, send us a note you can do it by sending us an email at hello at superman dot com or you can call us at four to four, three, two, six, three, seven, seven. End At the end of the show, we have our favorite favorite segment, the pick or tip of the week. So stay tuned for that. And my favorite segment mind theory subject to subject segment not subject my second subject to subject to name to. who do we have on the show this week? Today on the show this week we have two great very smart in a in a high achievers I would say On the today we have Chris over to is a president of the company called. Okay play. It's an APP that I started using that will come very much in handy these days of virtual learning. So again, we have Chris Hogan, who was President a dad on for your boy and Dr Colleen, Russo Johnson. PhD, and she is a chief scientists and Mama up two toddlers for for the okay company in the okay play APP, which is a little bit about Chris who is again the CO founder and President He is just a serial entrepreneur I mean like his bio I can go on and on and on. Angel investor he's invested in companies like beyond me and block renovation. When he is a member of terrorists next establishment list and graduated from Ucla with the history by just like a serial entrepreneur and Dr Combing Russo she is again hundred scientists in she is a de mental psychologist with expertise in children's media and technology who serves as an adjunct professor at Ryerson University in codger rector of Ryerson's children medialab She is a senior scholar for silly center for scholars and storytellers and the CO author bestselling Children's Book Dino Dana Dana Field Guide again she is like the. Best person to talk about what's happening right now with virtual learning and what did we talk about Alina? Love. This episode I love the APP. I think it will. It's first of all they launched this. This APP during the during a pandemic, which is in of itself. Amazing we talk about emotional learning. We talk also about how to choose right even a good app for your kids and what makes this APP different which is again, the emotion social emotional learning and. How these actually involves the parent lonely the children and how it translates from the APP in the device to outdoor play to more than play and I, love how they came up with the name any. To play with the kids. So we talk about that. We talk about perspective of screen time. What's good what's not good you know what what to do right now with the kids and how this APP has helped our families as well in many other families. So I'm excited for for this episode end for the APP. Awesome. So but before we get into that base, yeah, what's up with you? What's going on what's up with me? You know. With me like every day seems to be the same thing. I'm just trying to gain for routine with were in. You know just having a Monday Tuesday Wednesday Thursday Friday schedule Northern, I actually took up a new wouldn't say my. was is that a hobby is. Added something we were routine which I really like he's in writing letters to his friends. Then he would aches and we're going to the post office like every other day I try not to do it every day, but he wants to go every day. here's a couple of letters and heap envelope and puts his postage stamp, and then just you know we go to the office in everything. That's pretty cool. That's kind of like the new thing we're doing here I bought him some stationary. We should be coming next week, which I'm so excited Abou-, he has going to have his own stationary. And the customized initials yes. It has his name I got I couldn't decide I couldn't decide on witch on which science. So I got him to design. I'm very site for people to receive a customer stationary and the baby. She's she's just living her best cuter every day Chubbier every day or she's those beautiful three months old like chummy legs and Chevy she eats them. As she started to mile a lot more and talk a lot more and. She's being like the Pistons such a great baby you know I can't really complain about her. She's awesome. Obviously still not sleep through the night actually migrated her bedroom I don't know if I share that already. Oh. Yes. She's been living. She's living in her bedroom for the past two weeks already. Like I actually moved into her bedroom before to turn three months. And she's been doing well, she's only waking up once usually runs for now. I, mean I'm just hoping that like continues
"chris hogan" Discussed on Chris Hogan's Retire Inspired
"This is Chris Hogan and we're going to do something special on the show today we bring you all the special highlights of articles we're going to share with you the best of the best stage. Welcome to the Chris Oaken show of everyday millionaires I. AM Chris Hogan, your host, the Ip's this is your show where your life and your money take center stage but never forget that it is your life you've got to take charge well I'm excited to be back with you end today we're GonNa do something special. We're going to share with you the best. Of, the best we're going to share with you the best articles, and so that's what we're. GonNa do today we're going to dive in. We're going to talk about it and dig in on all the things and all the questions an issues. However I've gotTA start off beginning readers on VIP because I gotTa start off this article definitely caught my attention. it was from the wall. Street Journal and the Wall Street Journal. This is the topic. The biggest ways people waste money. Oh you know I was clicking on that one. You know I had to dig in and find out do they know what they're talking about because I do I'm talking to you and you know right and then I started to glance at this list with Oh Day They must have been following me 'cause at some point in time I had done some of these things and maybe you have to but I want to dig in on it again, this is from the Wall Street Journal or report from The Wall Street Journal interviewed some financial experts and asked them one simple question. What is the biggest way that Americans waste money? Here are few of their responses. The first one big houses Oh. Yes see the reality about that is the bigger, the house, the bigger the upkeep. The bigger, the utility bills, the bigger, the heating, and cooling I guess that would be a utility right but this the things that can happen the roof upkeep Any kind of minor issue becomes a bigger issue because you have a bigger house so that I can understand the number two next one number two let's just list them off. number two is JIM member ships. Oh. You you know in December when you get serious about getting fit and you go in and you sign up for that membership and you go in the gym about hold on how many hold on from December to January are you in January one because that's the first of the year you're like, I we're kicking us off right and maybe you went another time but then oh to is it too and thirty days I've been there done that but I had the best of intentions and somehow someway I got attracted we've been guilty of this and don't even get me started on Peleton bikes. You Kidding me Oh my goodness listen to me they show these. Commercials and the sun is Shining and people are happy as they're pumping and happy and Brennan listened to me. It's a stationary bike what a TV attached to slap a ipad or something in front of a stationary bike and those things cost about four. Gran did you hear me four grant kidding me for bike? Get you a Huffy for to ninety-nine listen to me..
I Owe $94,000 to the IRS!
"Joining me today Ramsey personality Chris Hogan. Caesar's in Chicago Hi how are you? Hey how you doing? How can we help? Okay little nervous here. first time caller first time listener. I. Last summer started listening to you. Laugh. Until far about a month ago emotionally on one hundred, thirty thousand dollars in depth, which is on ninety, four, thousand dollars. Irs I'm trying to do what I tend to To figure what's the best way to tackle this Most of most of the other stuff is car Karleena and credit card that I just weren't to Carmax this weekend and sold a vehicle which has some positive equity. Our sixty, five, hundred I. Don't know what to do with this money at this point. What in the world? How do you owe the IRS ninety four thousand? Salamanders Twenty fifteen twenty, sixteen business, you know I, I, started a business with my wife I pretty much try to manage the business myself. You know everything myself and I kinda school things up and didn't help that I had a bad accounting I concert the irs this to be issue I. If we have to file a ten forty x forum I'll try a man does taxes you know put this is in process I mean I still have to making some kind of panic because I'm getting some letters on a male as far as. Stop stuff. So you're saying that the returns were filed improperly and you may not actually Oh this money when you follow amended returns. Exactly. Okay. But if you you have, you have some money you said you had six thousand dollars from sale your car. Yes. Sixty, sixty, five now. And current him baby step two so I might stop just. You're going to spend some money right now on a tax attorney. Or a tax professional, that is a stud of some kind and If it costs you six thousand dollars, it won't. But if it costs you two thousand dollars, this is job one right now. Is You can you can take your hundred and thirty thousand and wipe out ninety four or a big portion of ninety four with some simple proper filing you don't do that yourself. That's how you got here. You go get a tax pro check Daveramsey DOT COM and click on our taxi LP's if there's not one in your area start shopping around talk to some business guys that are that are competent business people in your area ask them for advice on who a good tax attorney or a tax pro Israel and let them dig in. I I don't you don't need to do anything. You don't worry about me staff. No this is job one I R. S. Yes. Job One that's what you're doing and and Caesar make area focused. Don't come up with excuses. Pick up the phone call set up a time to go sit down, gather up, find out all the documentary going to eat 'cause you're going to have to do legwork here but trust me if worth it because it's dealing with irs. Yeah you. Sure you're a good tax professional can tell you if you need to get on an installment plan and. We need to do to get the barking dogs off your heel while you get this stuff filed. But Dude, you don't thirty seconds you get this stuff filed. Now this is an overdue time paper. and. You've. You know this is killing you and these people have unlimited freaking power. It is unbelievable what they can do to your life if they choose to cy I really really really want them To Go away. Yes I want you get the paperwork done and you don't have anything that's more important in your life for the next two of then get all of this filed as soon as possible. Don't don't drag it out three months. Don't drag it out two months file the stuff get with somebody get the work done. Yeah. You State you get you a cup of coffee and work into the work into the we hours of the morning at this done. What. You do because here's the reality some tweaking and the proper filings again has the ability to wipe some of this out. This is a this is a huge opportunity. Sounds like a good portion of it. Impugned it on him because he didn't do proper filing and they guest that's right in the irs never guesses low. It's a rule of theirs. It's written somewhere in a book I'm sure. Oh God. Penalties on this stuff and it all goes away with properly amended filing or large portion of it does. Get that the stuff you should have been working on all these long time ago. Yes. That's out of the way. Down to just forty thousand dollars a dad now go. That's right.
Are You Letting Past Mistakes Control Your Future?
"While I'm glad to be back with you. We have got a fantastic show lined up I am biased of course, but we've got some questions lined up callers that are ready to ask what's on their mind, and at the same time we're going to bring. Bring, you information to help you jump start and get moving forward. That's the goal. No one wants to be stuck. No one wants to standstill. We know that progress is down the road, and so that's where we have to get. GOIN'. And sometimes we can get stuck. Sometimes, we can have our wheel spinning, and now this is the time for us to get traction and to be able to move forward, and so I appreciate all of you for tuning in and also for. For sitting in questions and calling in without, you don't have a show, but I want you to know as I. Start this show. Understand that progress is available. Now it's not always comfortable and it's not always easy, but it is available, and so what we have to do is to make daily decisions to move forward and whether we've got a push pull or drag, I can remember car ads back in the day that said that they were take your trade in, you should put you. You could push polar drag anything in and they would give you a trade I wanted to test that I really did I wanted to find something and literally just come dragging down the road a just a a Pinto like rusted out right and just pull it up there and see what happens. But you know what sometimes what we have to do is pull ourselves and often times in order to get traction, you gotta hook onto something a little more stable and stronger than you. Now that might be in your faith for you to kind of latch on and go you know what I need some encouragement and I need some motivation or it might be latching onto a friend or mentor somebody that can help pull you forward a little bit. 'cause. We all need the encouragement. We all need the nudge and we all won't progress. VIP's I'm excited that you're here and here's the deal. We ask you. If you run across articles to send US something in. You know I love to start to show off that way, and if you bump something that the US as the Ip we need to know I want. Want to email me ask at Chris Hogan three, sixty dot com, or if you happen to bump into something that might get my hair standing up. Well, guess what Shan, out of Indiana did just that Sean. I. Appreciate you because if I wouldn't wide awake, I am now you bumped into some stupid and you called it out and you send it to me and I'm grateful for you. I, really am This is something that is on my brain. It is something that I bumped into as a financial coach. It is something that is holding a lot of people back and also standing in way of them chasing down dreams. The title of this article is how to find a private student loan cosigner. Oh. VIP's you already know where this is about to go. Don't you? Yep. Because the word cosigner stands for handcuffs. That's what that means is from Fox business and again I. WanNa. Thank Sean from Indiana, one of your peace were sending in this article This article is all about how to find a private student loan cosigner. So in other words, let me put this through the Hogan translator. How you can convince somebody to take on massive debt along with you for the debt joyride. Guy Yeah because you didn't qualify for it on your own. So you had to get somebody did and so y'all y'all sign up for it. This is a terrible idea. unlike federal loans private. Student loans. Require credit check. And because many young people don't have credit establish and I wish I. could keep them protected in that way, but I can't. They end up needing someone with a strong credit score to be able to cosign along with him. In fact, this article notes that ninety two percent. Ninety two percent which put that through the Hogan translator all. Of private loans are co-signed. Almost, all of them. Having a cosigner can help borrows qualify for a better interest rate supposedly most cosigners unfortunately, our parents. What can also be grandparents. Or. Aunts. Uncles. Or sibling or even close friend I've seen that happen before. So this article gives all kinds of tips on how to do these three crazy things, how to find the right person Cochon alone, how to boost your credit score. And then how find a lender that doesn't do a credit check now that one is is a positive. but the credit check. Right. But again, we're not doing the cosigner thing matter. Of fact, I. Don't want you going down the route of debt at all, but we're not gonNA talk about these tips because we're not gonNA, make time for stupid. Let me be clear when you take when you cosign alone, you are taking full responsibility for that loan. Let me say that again when you cosign, you're taking full responsibility. Now, it sounds weird because co sign means we're doing this together. We're both coming into this venture, right, but it's not a venture. It's a terrible
Deep Dive on Dave Ramsey's Investment Advice! (Financial Advisors React)
"Yeah Brian. So this what is going to be kind of interesting? We sort of asked the audience out there. Hey, you know we've talked about Dave's investment advice in the past. Would you be interested if we did a bit of a deeper dive? What are some things that are good where some things that maybe aren't so good what's our take on it and there? Was a resounding yes. From the audits that they wanted to hear it. So here we are to share our thoughts I feel like we need to lay out some ground rules though I mean we do live in Franklin Tennessee and we're kind of in the backyard of the big dog himself Dave Ramsey, and here's the thing you can't live in our parts and not have. Neighbors, people you go to church with you know there's a lot of you know of Ramsey solutions that are all in the community, and by the way if you were here thinking you see a show were Ramsey solutions are Dave Ramsey is trashed. You're in the wrong place. We have tremendous respect for Dave and I think if you even as we poke holes in some things that I think Dave is going to astray on and you can improve upon there is no doubt that Dave has done more good to the financial world than anything else if we just wanted to kind of look at some of this quick accomplishments, he has over fourteen million listeners to his weekly radio show he sold over eleven million bucks. He has this says, this is from the website over eight hundred team members I know that just because some friends whether it's like nine hundred and fifty employees think about like how many lives is impact in this? Is just absolutely remarkable more than five million folks have gone through financial peace. University. So if you do this exercise awhile backbone I can't remember you saw speaker somebody in you named out some big brands you'd come up with one word to describe them, and so if you throw out Ramsey solutions, what's the one word that that comes up in my mind? It's debt. Think Dave there is nobody that gets you out of debt better than Dave Ramsey. So what I'm trying to figure out those we know Dave, does so much good with getting people out of debt he talks about the eighty percent that's behavior that yet twenty percent that's in your head. What does that mean towards investments because is, is there space to know that there may be some additional things that you ought to consider? Yeah. So one of the things that I think is amazing I will have a family members or relatives who I tell them all the time about, hey, here are the things that you want to do to like get a credit card debt or pay this off in no matter what. I say how communicate somehow it doesn't doesn't sit with them but in all of the sudden church offers like financial peace university, go through it and they come tell me how you will believe what I just learn their own far for the concept. I've been telling you this for like months and years but what ends up happening is they kind of get through that interational and they do say okay now I'm ready to. Start Building Wealth, and this is what Dave said about investing, and that's where I always have to kind of say. Oh, well, maybe that's not exactly perfect. So let's I. Want to go a little deeper because Dave does talk about the eighty percent. This behavior twenty percents head space will there's also I think it goes beyond that is that we know that the lion's share of Americans struggle with basic things what I consider. Commonsense of they can't get out of debt. They don't have the disciplined understand it, and we've often said there is and you just mentioned it. There will come a graduation or a jump off point where you need to go beyond common. That's right. So I, think that's where we fit in. We are not the eighty percent or the portion of the public that struggles with basic behavioral stuff we know that our audience are maximized. Money Masters we know that if this doesn't hit you, it's just you're not there yet we are focusing on the twenty percent that wants to make sure every dollar in your army of dollars has a purpose and knows what they're doing and you WANNA maximize it. So that's what we're going to focus on, and that's what we're going to look at it through that lens to see how does Dave's investment strategies? How do they fit in what we know is financial advisers about wealth creation. So if we're GONNA talk about areas where possible he misses it a pasta hits at one of the questions you might be asking what is Dave Ramsey's investment advice so we actually went. Out to Ramsey solutions and I think this is on Chris Hogan's website, and he basically lays out how to diversify your portfolio. If you're structuring investment portfolio, Dave likes using mutual funds, he likes using active mutual funds and he thinks that an investment strategy should look something like this twenty, five percent and international twenty, five percent growth and income twenty five percent aggressive growth in twenty-five percent and growth that certainly sounds easy. Doesn't sound like that's a hard thing to put together. Well, it sounds very broad and it sounds very growth oriented but I do like I think this is something that got fine tuned Chris came in as part of Ramsey solutions is he goes a step further. Tells you what are those broad descriptions like aggressive growth growth and income? Is there a large cap mid category international? So what's what's the deeper dive on that? So if you look at the details growth and income, these are the big companies is the ones that have a market cap of ten billion. Well, if you were to ask us the money got show rebound wealth what that is that's really large-cap. Holdings large cap US companies well, then they said there's this growth asset class naturally tends to be companies that are somewhere between two billion to ten billion dollars. Well, we would just call those mid sized or mid cap companies, and then there's this aggressive growth high risk high returns. These are companies that are smaller they're less than two billion. So we just call that small-cap now, all three of these are us. US large cap us mid cap small cap, and then lastly there's this international bucket companies that are outside of the United
"chris hogan" Discussed on The EntreLeadership Podcast
"There is nothing more sad, frustrating and disappointing than a business that has become stagnant complacency kills, but as we know if a business has plateaued, there is one person that the leader of that business can actually blame the person that's in the mirror. From the Ramsey network, this is the entree leadership podcast where we help business leaders grow themselves their teams and their profits on your host Alex. Judd and it is a powerful day when a business owner recognizes that the growth success and legacy of their business is a reflection of one thing leadership, and specifically here at Entreleadership, we believe that winning leaders and businesses focus. Focus on six drivers, personal purpose people plan product and profit and today to talk about all of these six drivers is Ramsey personality. Chris Hogan this guy is a professional on the entree leadership playbook, but as Chris will share, it's not enough just to grow in one of these drivers or grow in some of these drivers. You have to grow in all of them. I think it's like any kind of wheel on a vehicle that you drive. If you've got a flat spot that flat spots going to affect the other wheels, prime example Alex. I'll tell myself when I first started driving I didn't know you were supposed to rotate tires. okay I didn't so guess what I did. I drove until the tires were battle right, and so I got new tires. The mechanic guy told me hey. You're going to need to come into. Rotate the tires and I was like what are you talking about? About he goes for even where if you don't rotate them, then you get bad spots on the inside. If you rotate the tires, you evenly wear things and I think that evenness is imperative for leaders. We all have areas we struggle, and we have areas that don't come natural, and the tendency is is to avoid those other ones and just stay where you're strong. Well, that's not effective. That's Ok for survival, but not for thriving and as a business owner and a leader. You Got People counting on you right, and so it's. It's imperative that your your best self I love that you say people are counting on you because that takes this from going not just an opportunity to grow in these areas, but it sounds like you're saying it's a responsibility. Listen to me I'll take it a step further. I think it's an obligation and you look at opportunity, and I like to use that word because you look at opportunities, say I could do this, and it could lead to some things, but with an obligation you gotta do it. Why because people are counting? Counting on you and I don't want to discredit I'm a I'm an entrepreneur and business owner at heart. The business owner is more apt to forget about themselves. They're more apt to focus on their customers and their team, but they'll put themselves last and now from a mentality. I think that's a good Lynn's, but you have to remember. You've got a family as an owner and a leader to take care of and so it's imperative for you to make sure that you're going know I've got fit into this equation as well. So we listed out the six drivers of great business and great leadership, and we're going to be walking through those today. It's personal purpose people plan product and Prophet what would be the encouragement? You would give people or the challenge you would give people before we walk through these depth as to how they should evaluate themselves and their leadership, I think the most important thing is to be open came like I. Want you to be honest. Like I've got Hogan's triple a process right and it's one of the things I use as I work with people. I want you to suggest where you are I. Want you to acknowledge what could be improved than I. Want you to activate a plan. Plan of action, so assess acknowledged activate and I tell leaders this because I want you to be real with yourself. We can lie to ourselves. Alex, okay now listen. You're runner. Yes, cap seeing you running around out there. I drive cars. You Run all right. We're different, but I'm GonNa tell you as a person that runs. You know if you're trying to go for your PR writer. Personal records sir, one of the things you do. Is You understand what you've done in the past? What needs to be improved right so you can hit your goal exactly, and it's important I think the same is set for leaders I. Think what you have to do is acknowledge. Hey, I know my. My strengths I know some places where I struggle. Now what I WANNA do is I. Look down these areas. I want to be open and honest about where I am so I can be clear about where I'm going and if they do that, you've got a great opportunity to make some changes you said be clear about where you're going, and it seems like so often. People don't have the resiliency to put up with the struggle now because they don't have that clarity of vision. Can you teach us a little bit on how we go about defining that clarity of where we're? I think it's one of our key principles. Heared entreleadership in its. Don't lead alone like you can't go. Go into this by yourself. If you do then you are subject to your own thoughts, and you're limited by your own potential so going into it alone. You're captive reaching out. That's why we have these mastermind groups and all access. That's why encourage people talk to someone that's been through some battles that have seen some things you have it, so you can listen to them, and you'll honestly take their feedback, and I'll never forget I saw you talk at an event once, and this really clarified it for me, you talked. You're speaking to people about their retirement, but you said the vision that I. Want you to have for your future is not just some general I want high definition. Voice and it was like the room shook a little bit. Can you explain to us when you use that phrase definition? What does that actually look like well I? He'll be back up and let people know. We have all seen a high definition. TV Okay now Alex your whole lot younger than me back in the day we only had black and white TV all right then color TV's came on..
6 Drivers of Business Success with Chris Hogan
"Believe that winning leaders and businesses focus. Focus on six drivers, personal purpose people plan product and profit and today to talk about all of these six drivers is Ramsey personality. Chris Hogan this guy is a professional on the entree leadership playbook, but as Chris will share, it's not enough just to grow in one of these drivers or grow in some of these drivers. You have to grow in all of them. I think it's like any kind of wheel on a vehicle that you drive. If you've got a flat spot that flat spots going to affect the other wheels, prime example Alex. I'll tell myself when I first started driving I didn't know you were supposed to rotate tires. okay I didn't so guess what I did. I drove until the tires were battle right, and so I got new tires. The mechanic guy told me hey. You're going to need to come into. Rotate the tires and I was like what are you talking about? About he goes for even where if you don't rotate them, then you get bad spots on the inside. If you rotate the tires, you evenly wear things and I think that evenness is imperative for leaders. We all have areas we struggle, and we have areas that don't come natural, and the tendency is is to avoid those other ones and just stay where you're strong. Well, that's not effective. That's Ok for survival, but not for thriving and as a business owner and a leader. You Got People counting on you right, and so it's. It's imperative that your your best self I love that you say people are counting on you because that takes this from going not just an opportunity to grow in these areas, but it sounds like you're saying it's a responsibility. Listen to me I'll take it a step further. I think it's an obligation and you look at opportunity, and I like to use that word because you look at opportunities, say I could do this, and it could lead to some things, but with an obligation you gotta do it. Why because people are counting? Counting on you and I don't want to discredit I'm a I'm an entrepreneur and business owner at heart. The business owner is more apt to forget about themselves. They're more apt to focus on their customers and their team, but they'll put themselves last and now from a mentality. I think that's a good Lynn's, but you have to remember. You've got a family as an owner and a leader to take care of and so it's imperative for you to make sure that you're going know I've got fit into this equation as well. So we listed out the six drivers of great business and great leadership, and we're going to be walking through those today. It's personal purpose people plan product and Prophet what would be the encouragement? You would give people or the challenge you would give people before we walk through these depth as to how they should evaluate themselves and their leadership, I think the most important thing is to be open came like I. Want you to be honest. Like I've got Hogan's triple a process right and it's one of the things I use as I work with people. I want you to suggest where you are I. Want you to acknowledge what could be improved than I. Want you to activate a plan. Plan of action, so assess acknowledged activate and I tell leaders this because I want you to be real with yourself. We can lie to ourselves. Alex, okay now listen. You're runner. Yes, cap seeing you running around out there. I drive cars. You Run all right. We're different, but I'm GonNa tell you as a person that runs. You know if you're trying to go for your PR writer. Personal records sir, one of the things you do. Is You understand what you've done in the past? What needs to be improved right so you can hit your goal exactly, and it's important I think the same is set for leaders I. Think what you have to do is acknowledge. Hey, I know my. My strengths I know some places where I struggle. Now what I WANNA do is I. Look down these areas. I want to be open and honest about where I am so I can be clear about where I'm going and if they do that, you've got a great opportunity to make some changes you said be clear about where you're going, and it seems like so often. People don't have the resiliency to put up with the struggle now because they don't have that clarity of vision. Can you teach us a little bit on how we go about defining that clarity of where we're? I think it's one of our key principles. Heared entreleadership in its. Don't lead alone like you can't go. Go into this by yourself. If you do then you are subject to your own thoughts, and you're limited by your own potential so going into it alone. You're captive reaching out. That's why we have these mastermind groups and all access. That's why encourage people talk to someone that's been through some battles that have seen some things you have it, so you can listen to them, and you'll honestly take their
What Does Your Financial Future Look Like?
"Welcome to the Chris Hogan Show Joe Home of everyday millionaires. I am Chris Hogan your host listen. VIP's this assure show where your life and your money takes center stage so we can never forget. It's your life. We've got to take charge. Why I'm so excited to be back with you? We've got some fantastic callers lined up people that have real world questions. I guess what that's what we do. ooh I'm GonNa give you a straight answer. I'm GonNa give you information that you need so you can make sure that you keep chasing down progress and listen to me when we get to progress we want to grab it with both hold hands because we've got to make some stuff happen you know. We got goals and as we are inside of this New Year. We've got new opportunities and we've got new things that we can accomplish bliss we just have to believe in ourselves and have a real plan to help us get there and so- VIP's you know. I love to do research. I love to run across articles. Thank you all for sending in articles. I'm gonNA tell you I ask you offer stuff and guess what things start happening so I want you to know if you run across an article that you think. VIP's need to know about this. or I want to see Hogan get riled up. I know you all like to see that. So if you run across an article and you want that to happen I want you to send it to me. The the email addresses ask at Chris Hogan three sixty DOT COM. Just put it in the subject. Line put Article For Hogan and send it to me and we'll go from there but I wanNA share with you you a An article of the day. This was on business insider and I have had people talk about this and have have heard some people make some pretty good arguments for it. But I'm interested in your take I'm interested in. Is this something that is a viable option for you. Because I I don't know I don't know I can see both sides and people have told me from both sides but I wanNA share this with you. Here it is it's from business insider and this is the article. Some Americans are ditching their mortgage to rent in retirement It's some Americans are ditching their mortgage to rent in retirement and it shows how their lifestyles and finances are changing. And this is the article And the team must think I got some I issues. 'cause they printed printed this thing and like fought seventy two I'll deal with them later. But but first of all the episodes talked about this article Looking at this what it does. Is this article go from business. Insider follows the story of a retired couple. Joe and Karen and Joe and Karen sold their four thousand square foot home in southern Washington and retired early and they've been travelling the world since twenty seventeen and that according to this they don't plan to be homeowners ever again once they finished traveling traveling. They said they're just going to settle down somewhere and rent their whole ideas that they want to focus more on experiences. Not Things they don't. I want to be tied down to one house or when city according to the article and it says they also don't want the responsibility of home repairs and maintenance. Now now I'm GonNa tell you. It is true that there is a little bit of a trend of people wanting to rent as opposed to to buy because they want to be able to have more options Russians and to be able to move a little bit more freely seeing this and hearing this. A lot from millennials But I'm GonNa tell you this you need to choose your decision and an opinion about renting versus buying really based on your retirement dreams. What is it that you want to do? How do you want to live now? I listen I'm all about about traveling. I know I've got places I WANNA see and places I plan to go. But here's the deal at some point when I get done traveling. I'm coming back home right and and so I wanNA home and if you rent you have a home that you're renting but I think it's more important for us to be in tune with our high definition dream now I know we've got some new. VIP's that are in. We get new listeners. All the time when I talk about high definition what I'm saying is I want you to see your dreams as it's clear as you see in a high definition TV I'm a child I was born in the seventies And so I'm a child of eighties right and so TV's back then. Then I mean it was it was basic when I was growing up. We had three channels right and we didn't have remotes matter of fact I was the remote. A right yeah I got called in. I'm from plan to go. Change the channel which follow grievance now. Because I'm older I'll deal with that later. Mama Hook is going to change the channel later in life but anyway listen to me. Bottom line is didn't have many the channels didn't have a lot of options and the picture wasn't as clear but obviously now is we've evolved. The picture on the TV is unbelievably clear. You can see incredible incredible details. Well what if we were to dream like that and think about what it is we want to accomplish in retirement. And what if we had the audacity to look got it in see it in high definition meaning seeing yourself at the place you wanna travel seeing yourself writing the check for the charity that you really believe in seeing seeing yourself on that mission trip. That's what I mean by high definition that you see yourself and I want people to see it in that way because when you have it in your head and your heart. You can't imagine not accomplishing it. And so now your actions get a chance to follow suit and so I want people to see it in high definition. And if it's your dream to travel the world A souped up camper right. Then that's hey that's for you you'll have other people don't have your dream but I'm gonNA tell you this if it is is at some point you have a dream of having a a nice home that's paid for so the grandkids. Great grandkids can come to visit you. You need to think about that and give that some thought as well now a lot of you out there have kicked around and it's an interesting article I love for people to have options. I love people to be chasing down their dream based on their airtime schedule based on their desires. That's important but I want people to continue to think bigger. We have to see more than just. What's in front of us? We've got to think about what's it's a head and so if you're out there right now and you don't know what your retirement dream looks like you don't know what it is. You'd like to be later in life. I'm GonNa tell you this I would definitely only refer you to my website over to our. I Q the retire. Inspired quotient vis is the free tool over. That helps you start to identify your dream but also start to have a wariness of what is the number. You're going to need to live that dream. I firmly believed informed. People are powerful people meaning as we can get more informed about the information. Now what we can do is start to take steps to build a plan to help us get there. So I like this article The argue against a free tool at my website Chris Hogan three sixty dot com. Go check it out but yeah I'm interested and so you know regardless it's an interesting debate again The article is some Americans are ditching their mortgage. It gets to rent in retirement and it shows how their lifestyles and finances are changing this article. It's interesting a lot of debates a lot of people with strong opinions on both sides but this articles from business insider as always will put a link in the show notes Those that are watching on Youtube just clicked on a link below. And it'll get you right to it. I think if we start thinking thinking about things we can have an informed opinion But more than opinions people we gotTa have a plan. Everybody's got opinions opinions like yesterday's but we gotta have a plan and the people that stick to the plan and work it. Those are the people that make some stuff happen
Millionaires tend to have these 5 characteristics in common
"Tend to have five characteristics in common. That's according to financial expert in New York Times bestselling author. Chris HOGAN HOGAN is author of a new book titled everyday millionaires. Now four that book HOGAN went and sat down with ten thousand millionaires and talk to them about how they accumulated their wealth. One of the key findings was that all millionaires ended up being debt free through hard work, HOGAN explains getting out of debt is going to be that first of all whatever your income gets to stay with you and go or for you. I e n it's a much better plan than going off to someone else. Want people to attack their debt, and I'm talking about credit cards student loans. Carlos. Claim for that is to make a list of all the biggest write it down on paper. Look at it. And I watch attack the little ones I while making minimum payments on all the rest and throw everything, but the kitchen sink up that little bit you'll move onto the next one what you paid off. So getting yourself out of death getting yourself in control with learning. The skills of budgeting. We have a fantastic budgeting tool called every dollar Bank. Go to everydollar dot com and learn how to watch it for free and people to save. I want them to get a three to six month emergency funds set aside. So when the car breaks down or life happens they have money to reach to instead of begging for more debt and that finally investing. That's the best way to grow your money time and compound interest allow your money to grow HOGAN, also noted only twenty one percent of millionare's received any inheritance
"chris hogan" Discussed on Order of Man: Protect | Provide | Preside
"They're broke. Right. Well, how is that? How did they come into more money than most people will ever see in their lifetime? They got that in a year, and it's gone. Well, they didn't have these characteristics. Or they didn't have them as it relates with money. They could have been goal oriented or hard workers. But were they intentional with their finances that they know that building wealth takes consistency. So they were missing some key components that caused them to lose their wealth instead of building it. Yeah. Yeah. Man. This is powerful. What I like most about it is that it's it's the research that's the data behind it. But it's giving us who are. Everyday ordinary men who maybe don't have the highest paying jobs or or the highest level of education. But it gives us some optimism that these types of wealth type stories are true. And they can happen for us if we implement the five things you're talking about here. We it really is an I think that's the key message. I want people to get from the book as they read it and it set up so great, you know, my editorial team and research team here phenomenal. You're going to have an opportunity to read the stats about these over ten thousand millionaires that I've talked to you're going to have an opportunity to learn about the attributes and the things that they did. But most importantly, mafia, part of the book are the stories. We have real stories of the millionaires inside of the book throughout the chapters where really talking about and drilling down into the individual millionaire story and people are going to enjoy reading those stories hearing about the obstacles and challenges that they overcame, but how they did it and. So that excites me, and I think people are really and truly going to enjoy this message. I know they will. And I know we're just scratching the surface on the depth of work that you and Dave Ramsey have been doing over the past decades. These guys really need to reach out need to read this book, but they need to reach out and figure out what else you guys are offering because there's so much valuable insight into what you're doing. So as we wind down today, I want to ask you a couple of digital questions. The first one I did prepare you for a little bit. And that is what does it mean to be a man, you know, as you think about being a man, I think there's a few things I think it's striving to be better. But I think protecting and serving then looking at your family looking at your career really understanding that you've got an opportunity to get better to be able to grow in many many areas, and it's going to be based on the knowledge that you gain and the people that you hang out with excellent. And how do we connect with you? And find out about the book find out about the work, you're doing and the lectures and everything else that you have going on. Yeah. Well, I mean, it's real easy. You can get connected with me by going to Chris HOGAN, three sixty. Dot com. That's my website. It'll tell you about the Chris HOGAN show, they'll tell you about the book, I've got some free resources and tools on my website to help people in this financial area..
"chris hogan" Discussed on Order of Man: Protect | Provide | Preside
"But for now, let's get into this conversation. I can't even begin to describe how excited I am Chris HOGAN and his team reached out to me about three weeks ago. And sent me a pre release copy of his new book, everyday millionaires and read this book. I really really enjoy the premise of it. And there's a lot of practical advice in here, that's really gonna help you. And and I know a lot of you guys are familiar with with Chris HOGAN already especially because so many of you probably follow Dave Ramsey. He works close with Dave. And he's a regular contributor of that podcast entree leadership. But he also hosts his own podcast Chris HOGAN show on he talks about the very financial principles and success strategies that he's. Gonna share with us today. Disguise a bestselling author. He's a personal finance expert. He's a former all American football player, and he uses all of the -nology has the experience and everything else to help families across the nation set themselves up right for retirement. And today he's here to talk with us about how to do the same. Chris thanks for joining me on the show today. Oh, thank you. It's good to be with you. Yeah. I've been looking for to this conversation. I've been following you for for quite a while now, and I had my feet in the financial industry as well. For about a decade before I really got into this line of work. So I'm excited to have this conversation because I think there's a lot of a lot of myths. There's a lot of misinformation out there regarding what it takes to be a millionaire, and I'm excited to dispel some of those myths today. Well, thank you. I'm looking forward to it. And so if you've been in the financial sector like me, you know, there are a lot of different thoughts and a lot of different opinions out there and people can get confused yet. It's I wonder why there's so many opinions because I mean, it's easy to say that financials is just math. But I guess there's a lot of emotion that goes behind it as well. Which is what causes us to have some of these differing opinions as to what it takes to build wealth. Right. Well, I think so I think you're right. And because it's an area that people don't understand really, well, and what you don't understand you, Tim. Mm to resist or avoid. And so I think with that. There are these different schools of thought out there that are looking to get people that are at different levels. And so, you know, the main thing for me, and what we do here at Ramsey solution is that we wanna lay it out. And we want to show people not only the information, but showed them the way and the process to be able to walk. So they can get results gave find it that a lot of people resist gaining this kind of information. It seems to me a lot of people at best case scenario outsource their finances. They really do initially when I was in the banking world. And even when I started here, I was working with a lot of pro athletes entertainers musicians, these were people that were highly skilled at what they did. But they didn't have the the knowledge about money. They knew they needed it. They knew they needed to do the right things with it. But it wasn't something that they wanted to learn. And so with me, I told him I said, you know, what listen I have some knowledge of vehicles, but anything outside of changing the oil in my. Car anything that needs to be done. I go see a professional. I said so there's nothing wrong with getting guidance. But what you don't want to do as ever turn over the responsibility or the obligation to anyone else. That's something that has to stay with you. Yeah. I like that distinction. And and that's really what it is. Somebody can help you out. I mean, I was a financial adviser. Like, I said for for about ten years, I had some clients who didn't even want to know what was going on with their money at all. And I had others who wanted to be involved in wanted to know, what's what was happening. But understood that I was the professional and deferred to me when it came to some of the strategies they were implementing, and I think that was a huge distinguishing factor between those who are successful with their money..
"chris hogan" Discussed on The $100 MBA Show
"You kit rid of your debt debt is a thief. It's stills from you now because it takes your income, but debt also takes away your wealth building opportunity for the future. So use the debt snowball list. Your debts out smallest to biggest. Okay. And I want you. To make minimum payments on everything except for the small one. But on the small one I want you to throw every extra dime toward that little debt. And you know, what happens you start to build up momentum? You start to have this mindset, and you start to believe that. Hey, this is something that you're able to do. And I want you to believe in yourself, and if you have credit card debt, and you attack it, and you pay it off I want you to make sure you close out that credit card get that thing out of your life. Because I want you to get your money back by getting out of debt. But then I want you to redirect it. I want you to make sure that you start to invest for your future. That's right utilizing the 4._0._1._K putting money in month in and month out to be very very consistent. So what I wanna do is recap those five characteristics for you one more time because these are characteristics that millionaires have you take responsibility, you practice intention -ality with your finances your goal oriented. You're a hard worker, and you know, that wealth-building take. Consistency. That's the key. Those attributes will pay the wave you to get to where it is that you wanna go. All right, guys. This was Chris HOGAN if you want to continue to learn about how to become an everyday millionaire..
How you should ride out the stock market rollercoaster
"The stock market has been on quite the roller coaster over the last month. Not one of the things. Most investors will tell you and financial advisers is not to go invest in single stocks. Chris HOGAN is a financial expert, and he told Fox News mutual funds are the way to go. I like mutual funds growth stock mutual funds. That's the thing that helped me make a difference in my own life. But I want people to understand where they are. But single stocks are like going to Vegas. Right. Everybody on the plane out the Vegas was excited. I've been on those plane ride back, right? Where people aren't where they've gotten stone. So we need to understand what we're investing in. And if you can't explain it to a ten or twelve year old man, you don't need to invest in it.
Jarvis Landry has lobbied Cleveland Browns to trade for Odell Beckham Jr.
"That in the near future I've had a bit of dialogue, with Aaron and we're hopeful we get something done that for a Rams. Head coach. Sean McVeigh via Gary Klein of, the, LA times the deadline August seventh. Today Scott till two pm today to report to camp in. Order to make this season count towards free agency, but by all accounts these two, sides are very very far apart in contract. Talks just as they were last year in Foxborough the New England Patriots let go third year wide receiver Malcolm Mitchell a guy Who played a starring role in the team's twenty, eight three comeback, come back from down Twenty-eight three against the Atlanta Falcons in Super Bowl fifty one but he's had knee. Problems for the past, year missed all the two, thousand seventeen season spent a lot of time this off season at the team's, facility trying to, rehab that knee the knee examined again. On July twenty third It hasn't been practicing and training camp so the patriots cut them loose which means no Malcolm Mitchell no Julian element for, the first four games of the season wide receiver. Room still, interesting, Chris HOGAN Phillip door set Cordeiro Patterson Eric decker Kenny bread. Couple of young guys but that room will not. Include Malcolm Mitchell who is trying to author. Quite the comeback after missing all of last year and a player who will always go down and. Patriots lower for what he did in that, Super Bowl, comeback against the Atlanta Falcons speaking of wide. Receivers Odell Beckham junior we talked about his contract standoff with the New York Giants one that I saw described, this morning. As friendly he's gonna play for the giants this, year it's unlikely that, Beckham's going, to be playing for anybody else in two thousand, eighteen or twenty nineteen but according to one of his closest friends he's quote definitely interested in playing for another NFL team that friend is Jarvis Landry new acquisition this off. Season The, Cleveland Browns Landry and Beckham played with each other at LSU. Landry told Cleveland dot com of things like that. Are able to happen in the team can. Make it happen then why not he definitely would be up for it he would be according to. Mary Kay cabinet of Cleveland dot com Landry, indicated the, Beckham one of his best friends in the. League has told him he'd wanna play for the Browns And on his part Landry says they've had quote talks Good too excited Beckham is still under contract. For the giants with the giants for this coming season he's in training camp besides the negotiating Odell Beckham junior's a very good bad. To be a New York giant, in two thousand nineteen but if you're a Browns fan I guess you can dream by the way more from Jarvis Landry on the quarterback situation with the Cleveland Browns Baker. Mayfield, and tyrod Taylor Jarvis, Landry with, our Diana.
Patriots Release WR Jordan Matthews After Significant Hamstring Injury, sign 1-year deal with Erick Decker
"What does he go play outside in a different sport now? Oh, yeah. Yeah. I mean six. Nine, whatever you gonna play when he gets blasted over the middle, is he gonna come back to the bra, took you seem stitching. His nose play with a mass drop sixty one on on on on the Hornets as broken. No, but he. Loved asked, and he'd be going around with a different mentality. That's a whole different ball football and basketball player. The why differently? Enough, realize it always comes back to this guy at some point. Thank you for being here. It's always good to get. Tom Brady is wide receiver group seems to constantly change and the patriots Jordan Mathews yesterday after he signed a one year deal this off season, but he reportedly suffered a significant hamstring injury on Sunday, the patriots maybe adding former titans wide receiver, Eric decker who worked out for the team this week. And yes, remember they will be without Jillian men for the first four games of the season. Shannon, what does this tell you. Kills me that a coach Bela checks. You gonna pull some weight or you guys to go. He was, I guess he was practicing whale playing well, and then he got Nick hamstring and coach Bela check says, you know what? You're not going to be doing this any good rehabbing on our dime. So we'll let you go ahead and go bring air Dicker and it looks like they're gonna sign deck, Jordan Mathews skip. I mean he really hasn't played well since he's left chip Kelly. I mean close to nine hundred yards. I two years, but he's always had this injury almost half thousand. Yeah, he's always had this injury bug that just popped up and I'm sure that factor the coach Bela checks decision of, yeah, you know, I was kinda hoping you're over this bug. Now, the last couple years deck has also suffered the injury bug, but I do believe that Eric decker is an upgrade over Jordan Mathews. He had his best years playing who skip pate, Manny. So you have a guy in Tom Brady that knows what he's doing with the football knows where to go with the ball is in complete command of this offense. And so I expect him to is big debt comes in this offense. I can see him catching. Forty fifty balls especially with Ellerman being the first the first four gay. Hell gronk it's still there not. He's still look at Tom Brady, Tom Brady can win without grunk, but you look at his numbers when gronk on the field. And you look at his numbers when gronk and on the field, this ubstantially different and plus decades. The mole grant Etima you know, they got Gatica got all all the Gallic, a guy. He likes to kind of look, Chris HOGAN. Now. L. look like. Thing shattered shock. I've been trying to tell you for two years Bill. Bella check can get away with near murder when it comes to the white outs this because it just doesn't matter. He has the greatest quarterback in the history of pro football who's also to use your term the greatest makeup artist ever because he can just cover up all the blemishes. It just doesn't matter. Just giving that guy, Joe Smith investors. Investors as the greatest ever. You know what Joe said that under. So. Look what just happened. Jordan Mathews was sort of the off season Saini by the New England Patriots because June Matty's dot, some ability. He played at my school Vanderbilt, and he is still the SEC all time career leader in catches and yards caught. That's pretty great, Nancy. See, it's a pretty good. It's right. And he's still the all time. Career leader is Jordan. Mathews those three years in Philadelphia were they were great, but they were pretty good, right. And guess who fell in love with Jordan Mathews who loved him like a brother was walk into your got Carson Wentz. He loved him some Jordan Mathews and they traded Jordan Mathews straight up for Ronald Darby who's a really good player so that that shows you that buffalo really valued Jordan Mathews that he He was. was. That's that's pretty. That's eighty. Trae they needed receiver they had let wilder would grow in said, we walk and go market Goodwin was gong. Yeah, so they need. They need Darby's a first round talent. Yeah, he's a, he's a playmaking top to your cornerback and so they value Jordan. He's in buffalo, right? And Carson Wentz was devastated and told the Philadelphia media..
Custodian Worked Graveyard Shift For 23 Years So All His Children Could Attend College Tuition-Free
"I love the story because significance folks is not tied to dollar signs it's just not you know that to be true probably true in most of your lives when you're doing something and the reward is so strong in your chest this is a guy who at any point could as this is nonsense my kids can go to school somewhere else but somewhere along the way said i wanted to go to boston college i wanted to get a great education and this is the way i can get them in for free so he doesn't he commits twenty three years graveyard shift folks that's not a decision that's a lifestyle but the point is it's driven by an unbelievable reward and you know he believes and his wife believes
"chris hogan" Discussed on The Ziglar Show
"A hotel room you know working on it at night so it's one of those things that i'm excited about we'll be launching that in january of twenty nineteen so i would just tell your listeners viewers just to stay tuned we'll start presell in august and i'm excited to unleash it on the market do we get a hint as to the topic hey it is it's it's a topic that is it coincides right with a retired inspired so i'm not going to unleash anything yet but i promise you i'm going to send you a copy and i'm gonna send you actually five to ten copies that you can use giveaways when we released absolutely absolutely so so let me you ziglar is big on legacy and i know dave is focused so much in an ramsey solutions with succession and so as you look at this and look at your trajectory that's been somewhat varied but you stayed the course when you look at legacy and you look at that and whether you're days in a year or whether they're in forty more years what do you hope that people are going to have gotten from chris hogan and the investment that you've made yes that's that's a great question i told a story several years ago that you know my three boys they are my family legacy i want better for my son's than what i had i don't know any parent a grandparent out there that doesn't want that and the only way for them to have better is for me to do better right to be intentional and work and and make sure i'm working to plan but i told someone someone asked me is what do you want your legacy to be and i said i hope that one day after i'm long gone that somebody will bump into one of these hogan boys and they'll say i knew your daddy i heard him speak i heard his talk or i saw him on video or something i want you to know your dad helped me to think differently so i could change my life if my boys were to hear that or or somebody somewhere that knew me where to hear a statement like that from.
"chris hogan" Discussed on The Ziglar Show
"Zig ziglar message of hope and encouragement is more needed in today's hurting world and in your life and the lives of those you care about and have influence with than ever before so it's our mission to bring it to you we invite you to zig ziglar 's legacy conference a two day event held in dallas on may third and fourth of this year i simply can't do justice to all the profound value and experiences of this two day conference will offer so i'm bite you to visit ziglar dot com slash conference for full details of the event as well as to claim your spot before they're all gone again that's ziglar show dot com slash conference look forward to welcoming you to dallas in may right folks let's now talk about getting the most out of our life daily with chris hogan chris just an honor to have you on here so it's been a long time coming i think we've gotten most of the ramsey folks but we saved you for last because we want to anchor with the best and we ask you in this when we're talking to the ziglar audience which you know zig well that you said i want people to understand that there are things to do right now this is not the end where they are now is a new beginning to their path to improvement when we take control of our thinking and actions begin to blaze a path toward improvement and you know the book with retire inspired you focus on that and is this really speaking to the folks who feel like okay this is the winding down stage and it feels like you're calling them out to say man you got you got everything you need to go ballistic at this point it really is i i thank you for having me it is a pleasure to be on with you zig was instrumental in my life.
"chris hogan" Discussed on The Ken Coleman Show
"Chris hogan does here at our offices and not all are you going to come to that i'm going to make sure before you hang up this phone that my team get your abs a your info and you tell us when you're coming in because i want you to be on the show in the studio with me and we're going to kind of follow up with you because this is fantastic when you're done with your financial coach training here i want you to come on the show or your celebrate you graduating that week how does that sell navy okay now so you're going to do that and you save up for that what have you need to do because this will be such an accomplishment for you so all make sure the team gives you again before hang up i'll put you on hold the minute and they're gonna make sure everything you need to find out when the next one is and i want you to come here it's going to be big funnel get high five kitchen the studio this is going to be going to be big now here's the deal i still want to have a mindset before you come here to do the training i want you to do some research in your area of of maybe some of ramsey endorse local providers whether they're investing of financial planning who are who are some financial coaches we have in your area and i want you to go and meet them face to face and tell them about this phone call telling about what you wanna do that you're coming here and you just wanted to get more info on what they do how they do it i want you to tell him about your specific focus on helping senior citizens finish well because that is what you that's what it is that your phrase i want to help us senior citizens finish well financially and that's your bumper sticker ally and that's right and i want you to me chrysogome here in fact i'm gonna make sure you meet chris when you hear i'll walk you up to him somewhere in anger to listen need to meet my friend tina.
"chris hogan" Discussed on The Ken Coleman Show
"Just minutes that's really great by the way chris mentioned his ri cute tool i don't wanna move any further if you are unaware of that you to jump on this he launched this about the time that the best selling book retires bar came out and chris this is a great resource it chris hogan 360 dot com people listening right now they're gone on forty seven years old and chris of barely done anything how do i even get a clear picture will this are i queue tool is like plug and play explain really practically how it works won't they do well what it does kim as it helps people who identify how much are they going to need to live their dream most people aren't aware they've been thrown money on a 401 k or 43 be of ac ago i hope it works out no i want people to know so our i queue free tool was kendra soldier you go to my website plug in how much you want to live on per month and how many years you plan to retire and how much you currently have saved and argue will show you your big number but it will take it a step further insure you how much you need to be investing male to make sure you get there you join in my conversation with chris hogan who is the best selling author of retire inspired fellow ramsey solutions personality host of retire inspired that you can actually here here on serious accent believe it's on wednesday some i ride that it is my day i liked that so he leads into the can komen show on wednesday's a uram on the dave ramsey show all the time and uh folks your retirement questions you can get them answered here on the can coleman show chris is going to be a consisting guest so you can jump in ask it can cullman showed dot com eight four four seven four seven two five seven seven next email question comes from john he writes how do you go about starting to invest in real estate.
"chris hogan" Discussed on The Ken Coleman Show
"You told me in the fifth or sixth grade you begin to think well maybe i would go and serve and protect through law enforcement but at that tender age i've got a six greater he's eleven so ten or eleven twelve years old little chris hogan you may not have been very little joe has begun i was i was little can calm and i don't think anybody's ever said little chris hogan meant but even at that tender age you begin to feeling your heart a desire to protect and serve i would say sir that you are protecting people from financial ruin and you were serving them with your great talent which is communication so you live in your sweet spot you work in your sweet spot i want you to encourage yes what does that what does that feel like what does it feel like it look like in is it worth it chris hogan oh i can tell you this when you are in your sweet spot it is such a beautiful thing are you get up out of bed excited about what the bay holtz how you're going to be able to help people moving forward and it's exciting it's one of those things that are you know i don't wake up wondering what it is i'm supposed to do what i wake up wondering how do i do what i know i'm good during and how do i help as many people as i can and so it's just another level of energy it's another level of excitement and i just want to encourage our listeners out there to stay plugged into with the pathak kim has taking your on it is a journey but his worthwhile and it's going to take work no it's going to take work but it is definitely going to be worthwhile before let you go my man i i want you to address a very specific topic that a lot of people who are listening right now they're going through a lot of adversity.