Ep.18 Financial health/ is your debt a secret red flag in your life?

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Hello, and welcome to the Borealis experience. I'm so

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happy to be spending some time with you today. And today we'll

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be talking about

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your financial health.

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Enjoy this interview.

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I announced it on Facebook the other day that I want to talk

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about financial health, I feel financial health is something

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that gets neglected, all too often when it comes to mental

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health and our overall well being. So I met David a couple

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weeks ago, and he shared with me that he just became a financial

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coach. So I don't believe in coincidences. I think the

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universe brought him to us. Today, he will share with us a

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little bit what inspired him to become a financial coach, and

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maybe a little bit of his experiences with his own

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finances without going too much into detail. What I learned when

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I moved to North America here is that people are inclined to

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spend way more money than they own. It's always the huge truck,

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the huge mortgage, the holidays, everything paid with credit

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card. And yeah, not really thought of how are we going to

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pay it off. So maybe you're not the kind of person who easily

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spends money, but if you know somebody, or if you are that

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person, then this is for you. So welcome, David Lee today, thank

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you so much for taking some time to be with us. And can you

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explain a little bit what a financial coach

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is

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learning to

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become a financial coach? And what do you offer to your

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clients?

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How does it look like?

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For sure, I really appreciate you having me on Aurora. And so

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what adventure coach does is basically I would be creating a

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budget a customized budget for my clients, and figuring out

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where they are financially, and helping them to see how they can

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pay off any debts that they have. And start to build wealth.

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Hmm. Okay, so

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from minus from the right numbers into the green numbers.

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Exactly. Yeah. And so a lot of the problem is a lot of people

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have debt from just from everything. I mean, starting

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from student loans, which is where I came from, and then just

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mounds of consumer debt, because our whole society tells us that

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we need debt and we need we need stuff is what their job is, is

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to sell us stuff, whether it's, you know, trucks or vacations,

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experiences or just things a bigger house, bigger car. And,

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and I think they've done a very good job at selling all that to

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us.

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Mm hmm.

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And I remember last time, we talked on the phone, you

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mentioned someone, it was some celebrity who had lost, like, a

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significant amount of money, but it still didn't make him a poor

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fella. He was still one of the richest people ever, but to lose

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money is so tightly. How do you say, affecting our well being

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like people can really go through depression, when they

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feel they can't get out of debt? Would you agree with that?

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Absolutely. I think a lot of times our identity is wrapped up

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in that. Yeah. And whether, you know, see who we are by the

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things that we own, or just a specific status that we hold. A

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lot of times if that gets shaken, you know, what are what

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are we left to define who we are? Mm hmm.

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Yeah, it's very scary. And I mean, a whole society, like you

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said, is built on money, like you have to have that job to pay

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the bills. And also, if you lose your job, and you're left with

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bills, and you were always good with not having debt, and all of

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a sudden, you're struggling with paying your bills. It's like a

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huge stress factor.

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So you came from a very different job. You came from

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engineering, right? And I did that. To do these studies. It

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costs a lot of money. How was it for you as a student to I mean,

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I guess you American You know, from the get go that you have to

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pay a significant amount to get a degree. Are you being taught

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how to deal with the debt after you graduate though?

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Well, it's funny, because that's the big problem. Yeah. are never

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really taught how to handle money. I mean, when I was a kid,

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I came from a pretty good family, middle class family.

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And, but they never taught me how to money. Yeah. I mean, how

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to balance a checkbook. But that was in. So when I was 18. And

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going off to college, I signed for these giant student loans.

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And it was just like, all of a sudden, I had, you know, $1,000

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in my checking account, and what are you going to do that

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semester? Yeah. And so I graduated school, I had been in

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and out of school, because at first I went through engineering

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school, found out I was hard and dropped out for a couple years,

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ended up going back to school and finishing with a different

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degree, actually finished with a recreation degree. And went back

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a couple years after that to finish up a engineering

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associates. And so 2004, I had my associates and my bachelor's,

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and also had about $32,000 in debt. Oh, my God. Yeah. And so I

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never really took my loans student seriously until about

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2009 when I was working with a food ministry, and I told her, I

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had student loans, you know, at this point, and she asked me how

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much I had. And I told her, and then she asked me how much I was

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paying per month. And I told her, and she said, you're gonna

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have those loans for the rest of your life. And she was right.

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And so I figured out how to do something. So I started

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searching around and had one buddy that had some kind of

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computer program that was going to help you pay off my loans.

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And I wasn't quite sure about it, because it costs like 1000

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or 15 $100, another buddy of mine introduced me to Dave

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Ramsey, and his Financial Peace university course. And it

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sounded, it was 100 $100. I think for the course, I ended up

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taking that and that's the first time I really learned about how

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money works. Everything is just a bunch of ideas and

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philosophies, right? The same thing that they tell us every

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time safe your future, get out of debt. You know, we know all

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this stuff. But the thing is, a lot of people just don't do it,

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or they don't know how to do it. Exactly. That's

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I found that close to being cruel to to throw a young human

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being right into death, after hustling through college or a

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university, like, what kind of start into the work? Like the

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mindset that you have when you start the work life your work?

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How do you say routine? Is Oh, um, I have to pay off these

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debts first, because they're going to cripple me for the rest

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of my life. Otherwise, and it's not all I'm working towards

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having a business or growing it's, it's first No, I'm a slave

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to the system. And I find that so mean that? Yeah, there's no

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course nothing provided for the students to help them to get out

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of it as fast as possible. You found something but it was

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because you woke up and you were interested in it. There might be

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people with a different mindset with the mindset, oh, I'm

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avoiding stuff that scares me. And that I don't know how to

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deal with and those people. Like I was taught, right when I got

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to Canada, you cannot run away from taxes and from student

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loans, ever, taxes I knew from Germany, but student loans. I

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didn't know that. It was such a huge part of young people's that

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I've here. So very intense.

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Yeah, that's totally true. I mean, what you said about being

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a slave to your debt. And that's one of the main verses that that

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they talked about in Financial Peace is proverbs 22. Seven, the

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debtor is slave to the lender. Mm hmm. And so and so you're

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just really a slave to those loans that you've taken out?

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Yeah. And

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ever. Everybody always says that it makes sense to take out

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loans, because you're going to make more money in your career.

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But the fact is, a lot of people don't even graduate college,

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which I didn't the first time. I believe it's 40 people who

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attend college don't graduate. Yeah. So they might have

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3040 $50,000 in student loans and no degree. But just like you

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were saying, yes, you start off on the negative side of things.

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Just go Going into your first career? Yeah, six months loan

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payments that are gonna come due.

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Yeah. When to start a business, you have to loan money, right?

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It's not? Yeah, it's, it's not logic at all to me. So you just

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started taking on clients? How How was it? Like your first

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encounter? Is that like you expected your job to be or or

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this experience to be? Or is it a little more trickier? Or can

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you see that people are very different minded and to to reach

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them sometimes can be tricky, or was it pretty easy going so far?

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Well, it's definitely a challenge. And I've coached

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people just kind of on my own. I've talked to people before

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about saving for the future and betting for retirement. But as

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far as when you start talking to somebody about their personal

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finances, it's a taboo subject in America. I'm not sure how it

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ended up. But people just don't talk about money, or how much

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and so to initiate the conversation can be a bit of

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troublesome.

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Yeah, yeah.

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But I mean, there's a lot to finances. And to guide somebody,

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when they really don't have any kind of background, it's just

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like, I have so much to tell them, You can't do it all in

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just a one hour session. So normally, I tell people, it's

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gonna be a three or a six month session, session time period, an

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hour every month. But there's just so much wrapped up in it.

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You know, when you talk about finances, it's not just debt.

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It's insurance, life insurance, health insurance, retirement

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investments, it's all kinds of stuff.

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Yeah, it's a lot to cover. But it is so important to start

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addressing. And in order for people to be you say, literate,

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like to to know their stuff, and to not turn a blind eye to

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something that might be challenging your ego? Because

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you don't know nothing about it is not the solution. What would

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be your dream? client, maybe so to say? Or do you have an age

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group that you're targeting? Or is it people from all kinds of

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backgrounds that that you would like to work with? Because

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you're just starting out, like, maybe you have dreams or ideas

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there, or where you see a need more than, like, maybe for young

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people more than for older people?

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Well, my ideal client is somebody who has debt, consumer

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debt or student loan debt. I would imagine the age ranges

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anywhere from 20s to 30s, to 40s. could be any age range,

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really, though. But somebody who has been in debt for a long time

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and is just tired of it, you know, that saying is you're sick

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and tired of being sick and tired? somebody doesn't exactly

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have any investments, or if they do, you know, it'd be something

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that I don't know, they're just not celebrate. But my job would

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be to just take all their finances and basically

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streamline the process. So it could be most any person just

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just trying to figure out what their budget is and how to make

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it work best for him.

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Mm hmm. Very good. And do you only work with us citizens? Or

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can you work internationally?

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I could certainly work internationally. Because I mean,

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after all this stuff with the COVID. A lot of stuff is going

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virtual. All I need to communicate with with either

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video or over the phone, and then some form of payment. And

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using Venmo. And PayPal would be just an easy way to do that.

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Mm hmm. Oh, that's awesome. Yeah, cuz we have listeners from

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all over the world here in case they want to reach out and get

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some advice from you. That's wonderful. No, I think what like

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the path you're choosing is so critical, so important, and like

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very, very timely. Because maybe you have been affected by COVID.

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I don't know how your life looked like before, but mine was

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certainly affected deeply and my work. And I know I'm not the

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only person like a lot of people lost their jobs and don't have

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any income but still bills to pay. How was it around where you

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live, where people heavily affected by COVID or not so

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much?

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Well, I think it's all about the same You know, there's a lot of

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people out of work. And a lot of people struggling with debt

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still. And you can encounter the same thing all over the world.

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Yeah, and it's still like very restricted right now.

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It's getting less. So I think the thing is, a lot of people

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are just kind of getting tired of it, you know, I there is,

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obviously, a pandemic out there. But I don't think it's as

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drastic as people say it is I got sick December 23. And for

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four days, it was really bad. After the fourth, though, is

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pretty much just had a nagging cough, and that was about it.

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And so our state, Virginia has actually had a whole lot of

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restrictions placed on it. There's a lot of other states in

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the US that aren't as restrictive. But are has limited

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the groups that can get together. And a lot of events

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have been cancelled because of it. And so we're starting to see

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some signs of it getting better now and those regulations

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loosening up. But it's just going to take some more time.

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Yeah. Yeah, for sure. Here, too. If you had one or two, that

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start with one advice for his student, who didn't have the

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chance to win the lottery, or a scholarship was coming out of

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university with that huge bag of debt, what would you recommend

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them to do? First thing, second thing third? Well,

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if they've already been through school, and they have debt, the

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most important thing is to is to get out of debt. There was a

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study done of 10,000 millionaires. It's in the book,

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everyday millionaire by Chris Hogan. They study millionaires

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and ask them, how they made their millions how they got

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rich. And the biggest thing was to get out of debt instead of

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debt. And so if they're coming out of school, I'd encourage

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them to take on a second and a third job and work as quickly as

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they can to pay off that debt. As soon as they get rid of that,

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hopefully, in the end a year or two, then they can actually

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start building well.

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Okay. Yeah. And that job would be in their field that they

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studied, or just any kind of job

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where they're going to be looking for anything, whether

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it's in their study, or out of study, you know, go buy a lawn

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mower and start cutting lawns, pick up a rake, start raking

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leaves, work at the start, or anywhere just to make extra

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money. It's what I've discovered, too, is, I mean,

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I've done all kinds of crazy jobs in the past. And it's not

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that you don't make a ton of money is that you need to make

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money consistently. And all of those little amounts are going

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to add up. It's just a matter of time. I mean, I've been working

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with Uber Eats doing food delivery, and it doesn't make

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money. But if I'm working extra 20 hours a week, I can get 1500

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to $2,000 a month.

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Yeah. So yeah, what you're saying is that don't

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underestimate the small jobs that you can do in between jobs.

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And those numbers will add up. And also be aware of how you

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spend your money, marry, like, keep it to groceries and

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housing. And don't be too extravagant.

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Yeah, totally. And that's another big thing, too, is the

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budget. Yeah. household has to have a budget. And some people

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say, Well, I don't make enough money to have a budget. But the

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truth is that the household has money in it. And there's two

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arrows into the budget when that goes out of the budget. So you

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have to figure out where that money is to go and work with it

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and do it on purpose. On paper every month, every month,

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budget, write it out, and then stick to the budget. Yeah, and

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the great thing is doesn't really limit you. You can put

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whatever you want to in the budget. But the thing is, you

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have to stick to it.

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No, very, very good. No, I think that's great advice. And and

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with those Yeah, little jobs that add up to a good month. A

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good amount monthly. That's something Yeah, maybe you have

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to cramp your style a little bit. Your ego, you know your ego

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who is saying no, I'm not going to deliver food. I'm not going

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to mow the lawn. But if there is a need and if You have the

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willingness, then you will always find people who want to

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pay for your services, and then you pay off your debt with that

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little bit of money that adds up. That makes total sense.

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Wonderful. Very, very good. Is there anything you would like to

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add? At the end here, any advice or anything that you've learned

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about money that maybe surprised you that you were absolutely not

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aware of when you went through your coaching program?

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I think the most important thing is to pay attention to it. Man,

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my whole adult life, I never really took my student loans

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seriously. And you were talking about earlier is when people

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just kind of ignore their their debt. And I've been there I've

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done that at hand, a lot of times, it can be shame, or

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embarrassment, lack of knowledge, or just

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procrastination. But the truth is, it's not going to go away

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unless you actually face it, or writing it for is the first

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realization to this is an issue that I haven't any dissolving.

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So I guess most importantly, don't ignore it and attack it as

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fast as you can and get it out of your life. Because you're

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gonna have to be here sooner or later, like you were saying,

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student loans, student loans aren't being profitable. So even

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if somebody gets double, and they try to get rid of their

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debts that way, that's the one kind of loan that you can't get

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rid of. However, you have it for life. And so my recommendation

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is just to take care of it. As soon as you can here. That'd be

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life and start getting on the positive end of earning interest

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instead of having to pay.

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Yeah, beautiful. Very, very good. How can people find you?

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Do you have a Facebook page? Or is it just word by mouth?

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Ask my wife,

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my own personal Facebook page right now, I'm kind of hard to

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find, but I am going to put up a business page. Yeah, still

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working. I believe I'm going to make it debt free forever. with

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Facebook business page, get that up and running.

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Yeah, that's very, very cool. So we'll keep in touch. And you

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will let me know as soon as that page is up and running. Because

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I know I'd be interesting, interested to find out what you

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can maybe give for advice and tips. And people could just get

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a message to you and ask you questions or make appointments

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to make it like I feel you are like a flashlight, shining onto

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a space, a shadow that most of us all are trying to never shine

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any light. Because it's so uncomfortable. If you sit there

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and suddenly see those numbers, it is scary. It freaks some

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people out. And if they can contact you and talk to a person

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who is very calming and soothing, then it makes the

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stress less and then yeah, people can feel more confident

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in attacking that. That little beast called money, or debt. Is

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there anything you would like to add before I wrap up? Or do you

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feel we covered everything? Regarding fine?

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touch the surface and all this stuff? What I've gotten into

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lately is is retirement, you know, and you can't start

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contributing to your retirement until you get that debt out of

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the way. But the sooner you get to that, you know, the better

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off it's going to be. If anyone has any questions for me, I'm

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more than welcome to just talk with them. And given a couple

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minutes, see if they make a good client, see if we're a good fit.

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Now they can find you through your page or once they get that

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business page up and running. They can go through that to

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Wonderful,

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thank you so much, David. And I'm sure we'll keep in touch and

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maybe do a second episode here soon. Yeah, thank you so much

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for listening to the Borealis experience and David Lee on my

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show today. I really hope you enjoyed this episode. I feel

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it's very crucial to take money, your financial health into

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account when it comes to your well being. Alright, take good

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care of yourself. And I'll be out there very soon again for