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Give Yourself Funny Credit, Got credit

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cards? Thanks for listening to the
John and Heidi Show. Excited to visit

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with a local author, Insue Falls
Kevin Engber's and he's got his second book

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that just came out, True Wealth, Financial Training for Every Stage of life.

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First of all, Kevin, thanks
for joining us. Oh, it's

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pleasure. Thanks for having to be
part of the part of the show.

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And the thing is fun this is
you've kind of made a living doing this

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again. You're with Pinnacle Wealth.
And how long have you been working in

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the financial industry, sir? Oh
wow, it's over thirty five years.

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Doesn't feel that long, but yeah, I've been doing it since nineteen eighty

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seven, and over that course of
time, you've had a chance to see

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a lot of things come and go, and a lot of things happen,

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haven't you. I have, I
have, And really it kind of comes

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out of a personal experience. So
I kind of got into the industry after

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the farm crisis hit, and you
know, I was I was going to

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be in habit ashery. I was
going to be a clothing person that I

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felt that was my calling. And
the farm crisis hit and all of a

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sudden, farmers became in question.
I had a clothing business in a small

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town and interest rates went to sixteen
percent, So I had the hard lessons

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of life saying, don't borrow too
much money. So I had to get

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out of the clothing business. And
at the time that was tough because I

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always felt that's what I was supposed
to be doing. And looking back,

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I believe I'm a better financial plutner
today because that left a wound on me,

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that left a scar that goes kind
of deep. So I appreciate the

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struggles that financis can brain. And
the thing that's nice about that is you

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can relate to somebody sitting across the
desk from you, and you can put

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yourself in their shoes, and there's
probably a lot of different people that are

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on the other side of that desk, whether it's young people getting ready to

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start a family, people who are
maybe getting closer and they're going, hey,

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that retirement thing that's going to be
here sooner rather than later. As

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you look at the book True Wealth
Financial Training for every stage of life,

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is it kind of designed for one
specific category or kind of all of those

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different categories. It's all of those
different categories. So it really is it's

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an extension of book one, which
is really called Head North Finding Happiness through

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True Wealth, and it was everything
my mom and dad taught me about happiness

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at a little resort in northern Minnesota
that ironically was called Happiness. So it

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doesn't even the resort everything for fifty
years, every two weeks every year we'd

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go find happiness. That was kind
of our family family humor, but it

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was you know, it's wealth is
so much more than money and finances.

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Certainly having having finances allows you and
affords you to do more things than not

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having them. I mean that makes
sense because it's money is woven through everything.

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So if money becomes the end focus. That's not what life's all about

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either. I mean I have people
who get to the end of life and

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they have more assets on their balance
sheet that they know what could do,

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and then they go, Now,
what I mean there has to be more

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to life than this, right.
I always know people, Look, if

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you could close your eyes and visualize
if you were financially confident, you were

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physically fit, you're spiritually nourished,
you're emotionally engaged, and you were surrounded

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by deep, meaningful, loving relationships. Just life getting better than that.

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I mean, who doesn't want that
kind of it? Right? And that's

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really the pinnacle of wealth that we
call true wealth. Ironically, my dad

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was a pastor and my mom and
dad lived it. I tried to teach

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it, but watching them live in
it, and when my dad passed away

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in twenty sixteen, that really kind
of motivated me to say, you know,

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this so much to what he has
taught, and I'm trying to teach

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that in the professional side of things. I need to write a book and

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I just sat down and it just
flowed it. It outlines the nine principles

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of true wealth, which is basically
be an example of the transformational power of

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love. Number two, stick to
your core values, be driven by your

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purpose, be accountable through your goals. Cherish relationships, which is a big

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part of it. Number six,
value your health wisely, use your financial

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resources, find ways to be compassionate
with the world, and then be open

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to wise counselors. So that was
kind of that was kind of book one.

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Now I tried to give more feet
to get more boots behind that.

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It's not really about my stock,
should I my bombs. It's just there's

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certain things that happen throughout life that
are learning moments. And I see you've

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actually broken this down into different life
stages. Looks like there's several different six

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different life stages. We're going to
actually talk about that in a moment.

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So I'm gonna have Kevin hold on
just a minute, Kevin ang versus our

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guest. Today's get a new book
out called True Wealth. We're going to

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chat more with him in a moment. Thanks for listening to the John and

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Heidi Show. Did you know you
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com. That's Genesis, goold ira
dot com. Thank you for listening to

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00:06:00.920 --> 00:06:02.759
the John and Heidi Show on a
Tuesday. Our guest today, Kevin anger

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As. We were just chatting a
moment ago, and we're going to continue

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the conversation now. He's got a
new book out called True Wealth. In

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this book, you talk about different
life stages. Let's go through those,

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Kevin. We all go through different
stages of life. And I really wrote

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this book more one that parents can
use to teach their children to raise a

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smarter next generation. But I've also
found, ironically, when I try to

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teach my children something, I usually
I'm learning something along the way myself.

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Oh yeah, So I've broken out
into different stages just so it makes it

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easier, and usually we can relate
to these so zero to tend I call

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those of the repeaters, and mainly
because they only learned by example, right.

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I mean, we put training pants
on our kids so they don't wet

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them soil themselves. We put training
wheels on their bikes. We do all

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things to kind of try to train
them. When it comes to money silent.

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Unfortunately, they catch more than they're
more ast caught and taught unfortunately,

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and sometimes they're maybe seeing things that
are not the best example. Oh,

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absolutely absolutely, And sometimes it's it's
by default. Sometimes it's and so to

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be really intentional and it needs to
be complicated. You know, it's given

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them if you're going to give them
an allowance. And I have some kind

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of rules in there as well.
Unfortunately, and I'm just as guilty of

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this with with my kids. They're
grown up now. So it isn't that

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I have mastered this. It's how
many times I really learned from mistakes and

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setbacks. But you know, you
give them maybe an allowance, and it's

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not loading over them. You have
to let them make mistakes with it as

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well. And you may say,
okay, here's four here's a dollar,

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here's four quarters this, you should
say this, you can spend this,

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you should put away for something special, and this you should give to someone

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else. So it's just teaching basic
cons steps. And unfortunately, you know,

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we're all kind of born with a
default. And again with repeaters,

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it's a lot of nurturing the nature. You know, from a very early

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age, we're kind of taught by
default when when we're when we're hungry or

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what, we have a way of
letting other people know that, right,

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and some more loudly than others.
And when it comes to finance is it's

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the same way. Our default kicks
in and uh, you know, we

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get irritated and we can't have it. So it's it's trying to nurture that

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nature about Hey, there's delayed gratification. We have several examples on how to

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use that or teach that in the
book. And then it becomes interesting is

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right behind the repeaters come to challengers
and that's eleven to twenty and I labeled

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that just because they challenge in so
many ways. But what I found really

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interesting for challengers is one of the
reasons they usually challenges they don't like inconsistency.

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I mean, you know, as
parents are when we say you can't

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do this, and then they watch
us spending a certain way and they go,

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wait a minute, and that's where
we start to get pushed back.

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Plus, they got peer groups that
are that are telling them. You know,

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when I was a little kid,
there was a pretty well known burger

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franchise that says you deserve a break
today. You know, we're kind of

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taught that from from an early stage. So this is more setting parameters,

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letting them learn how to budget,
letting them, you know, take ownership

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and some things. You know,
buying a car, it's not just buying

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a car for your teenage years,
but it needs gas, it's got to

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be ensured. So it's having them
have some ownership. Do we move on

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to the launchers, which is twenty
one to thirty, and they're now trying

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to implement what they've taught. And
that's where both of my kids are right

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now in that exact category. Yeah, and that's an interesting thing to If

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you did the first two right,
they typically will come back and say,

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how do you do this again?
What if I did the first two completely

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wrong? That's where I'm at.
Well, then there's gonna be some initial

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discussions that have to take place.
But sometimes you've got to let them not

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sure all that you have to let
them learn. But hopefully if you had

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good dialogue with them as they were
growing up and it wasn't a combative period,

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hopefully they circle back to at this
point and say, I'm trying to

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any some health not rather than you
are all wet. I'm going to do

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it my way, and you may
still get some of that, but that's

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a learning period. The funny thing
to me is, and I think this

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is kind of by divine design,
but interestingly enough, about the time they

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think they've got all the answers,
all of a sudden, if they if

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they have a partner at this stage, they may have a repeater coming into

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their life, and now they have
to not only manage their own resources,

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that start to teaching them as well. So it's a great period. The

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next stage is the one that's kind
of was challenging, and that's those thirty

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one to forty five. We call
those the jugglers, just as it describes,

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you know there you may have one
in child and in grade school,

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maybe one in high school. You're
further into your career and you've you've got

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more challenges there. You're just trying
to keep all the balls in the air.

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And that was a tough time,
both from a relationship standpoint as well.

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I can remember my wife and myself. We would we kind of met

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in the doorway, you know,
she would be picking up one from choir

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practice and basketball practice, and I'd
be taking another one somewhere else. We'd

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meet at the game, fallen bed
at night and get up and risk and

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repeat. Right. It was just
you had all these things going on,

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and that's a you're just trying to
hold it together. Yeah. I can

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certainly relate to that. Yeah,
yeah. And then and then we move

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on to the builder stage, which
is forty six to fifty nine. That's

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where you might be empty nesters,
but you know, and now you could

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have the college years. And again, I think those discussions should have already

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been happening, but unfortunately life comes
at us so fast, all of a

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sudden. You got somebody to go
into college, and kids. We want

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to do everything for our kids,
you know. But I always find this

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one kind of interesting. I'll tell
people, look, when you when you

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help them pick out their first car, did you go to a car lot,

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your favorite one, find a salesperson
and say, here's my child.

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Whatever they want, you know,
get it to them yeah, whatever,

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No, we get with colleges.
We do that all the time. The

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kids says, well, I'd like
to go here because I hear the experiences

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there. We haven't planned for it, we don't prepare for it, and

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then we get in the middle of
it's like, well I got to borrow

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it. We haven't, you know, we don't. We do that with

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our college planning was saying well,
wherever you want to go, we'll help

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you get there, and we want
the best for them. But sometimes we

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should have done better planning to be
better prepared for that. And if we're

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not careful, we're supposed to wear
our peak journeys years here from forty six

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to nine. If we're not careful, we take on a lot more debt,

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which makes the life process a little
bit more confusing, a lot of

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things to unpack at each stage.
So do we move on to the Reaper's

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age, which is basically sixty to
seventy five, and that's that period where

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as it explains, you're trying to
want to get out of what I'm doing

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right, I want to move on
to something different. And then finally we

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end up with the legacy leaders.
So we certainly don't have every answer,

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and it's not we just want to
give a high level at each area,

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but we're trying to get them prepared
for really what why building wealth or how

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you do that? And we start
that with some interesting questions. So what

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we find is people kind of fall
on one or two categories. Either they're

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looking at wealth as personal prosperity,
which has a subset of I don't have

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it and I want it, or
I have it, but I want more,

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versus a group that's really looking more
for a personal responsibility. I don't

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want to be a burden of my
family or society in general. I want

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to use my resources to make the
positive difference in others lives, or I

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want to listen to burdens for others. And that's the group that really falls

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more into true wealth. Speaking at
both sides, we can help both sides,

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but the one that's prosperity chasers they
never really arrived because they always want

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more. Yeah. I remember reading
a quote from one of the wealthiest people

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in the world and they said how
much is enough? And he said just

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a little more, and I said, what a weird way to live your

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life. Well, Kevin, thank
you so much for taking some time to

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chat with us today, and thank
you for putting this in a book and

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making it a lot easier for people
to maybe take a little bite at a

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time and digest through. If I
would like to find the book, True

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00:14:50.919 --> 00:14:54.759
Wealth Financial Training for Every Stage of
life, I know it just came out

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last Thursday. Can I buy this
locally or do I just get it online?

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00:14:58.240 --> 00:15:01.399
Where's the best way to go about
getting a copy of this? Absolutely?

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Currently it's available on Amazon, but
we're also going to be releasing it

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to the bookstores as well, But
initially, at this point it is available

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on Amazon for download. You can
send me an email at info at Clinical

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00:15:13.320 --> 00:15:16.159
Wealth. We can get you a
hard copy here, love to autograph it

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for you. And there is a
workbook that could go with this that really

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helps you dive in deeper to find
clarity, establish your values and all those

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things as well. So it's kind
of designed to be a teaching tool and

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we hope it can make it meaningful
different people lives. Well, I'm going

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to throw a link to make it
easy to find. Kevin, thank you

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again for your time today, sir, my pleasure, thank you for having

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me on the show. Absolutely again, the book is called true wealth financial

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training for every stage of life.
I'll throw a link to it on our

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Facebook page, Facebook dot com slash
Sunny Radio and Facebook dot com slash Sue

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Falls News. How much do you
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at mintervention dot com. This day
in Soux Falls History is brought to you

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00:16:21.720 --> 00:16:26.320
by the Sioux Falls Fun Page,
West Sioux Studios and Sunny ninety three point

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three. It was on this date, September twenty sixth, nineteen forty nine,

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a self proclaimed holy man, Krishna
Venta, arrives in Sioux Falls to

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evaluate just how holy our city is, though no one was all too sure

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of his credentials to make such a
determination. Krishna was met with curiosity as

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a sort of a side show to
the hustle and bustle of a booming post

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World War two Sioux Falls. His
first stop was at the local police station,

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where he voluntarily sat for questioning.
He made it a point to assure

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the lead detective present that he would
not let the fact that he had been

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questioned by the police sour his score
or soous Fall's righteousness. Of course,

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we were all relieved to hear that
once the police were satisfied, he wasn't

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here to stir up any trouble.
Krishna Venta was unleashed on the public.

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Born Francis Panovic in San Francisco in
nineteen eleven, Krishna had grown up fairly

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normal, having even served a short
time in the US Army in nineteen forty

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five, but there were a few
spots on his record for petty criminal activity

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in the nineteen thirties. Nothing too
serious, though, However. In nineteen

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forty six, reports show that he
began claiming that he was thousands of years

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old and that he spoke as the
voice of God. He wore a long,

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loose fitting, bright colored robe,
he walked barefoot, and called his

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following the Fountain of the World.
Unfortunately, no official word was ever given

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00:17:38.920 --> 00:17:44.079
of sous Fall's righteousness score. However, Krishna was jailed in the nineteen fifties

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for failing to pay child support.
He was spotted gambling in Las Vegas on

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more than one occasion, and eventually
assassinated by two disgruntled followers who claimed he

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had embezzled their money and seduced their
wives. This day in sous Fall's history

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00:17:56.920 --> 00:18:00.640
has been brought to you by the
sous Fall's Fund Page, West Sue Studios,

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00:18:00.640 --> 00:18:04.680
and Sunny ninety three point three.
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dot com. Hey, this episode
of The John and Heidi Show Bonus Hour

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is done now. There are times
during the Bonus Hour I'll mention something from

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00:18:41.599 --> 00:18:44.559
a regular program, The John and
Heidi Show, which is syndicated on like

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three hundred stations around the country.
There's actually a podcast for that as well.

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So if I mentioned something that you're
going, hey, whatever happened he

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didn't talk to that person, or
this didn't happen. That didn't happen,

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you can find that podcast at John
and Heidi Show dot com. Thanks for

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listening to The John and Heidi's Show. Bonus Hower

