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Time To Shine Today podcast varsity squad. This is Scott Ferguson and we’re in Episode 291. With my really awesome sauce friend, Dennis Herrera Lacus, he is across the pond from me here and he is full of compassion. He’s full of empathy when it comes to managing money. And he wants the financial advisors out there to really under start understanding the compassion and the transparency that comes along with this. And it’s just such a breath of fresh air that dentists does this. I’ve worked with money managers in the past who are all about that dollar and just making it and basically I should shut my mouth and, and just deal with whatever he or she would give me for advice in Dennis is a lot different than that. And I just want you to like really take notes during this episode. I mean, sit back and relax, but break out your notebook because he dropped some serious serious knowledge nuggets about internalizing failure, about history of money, and just how he can help you level up. So without further ado, here is my really good friend Dennis Hara Lacus, the founder of Cambridge money coaching, let’s level up. Time to shine today’s podcast varsity squad. This is Scott Ferguson, and I got a buddy a good friend of mine, Dennis, our Lacus from across the pond over in England. He’s a rock star certified money coach and the founder of Cambridge money coaching, money coaching deals with a subconscious patterns, beliefs and behaviors around money that we all have. And this is something I struggle with in the past. And I have questions from my boy Dennis here that I know that you probably will too out there squat. And prior to becoming a money coach Dennis spent 30 years in banking and wealth management. He works with individuals, couples, and financial professionals such as ifas, and planners. And Dennis, thank you so much for coming on. Please introduce yourself to time to shine today podcast varsity squad. But first, what’s your favorite color? And why it’s

blue. And I don’t know why. I’m wearing a blue. I’m wearing a blue t it used to be purple. But now it’s blue. Purples that really very good color. Chinese. The Chinese believe that blue is the is the symbol of luck and prosperity.

Really. I never knew that. I’m looking at the Atlantic Ocean and it’s blue. But it’s but No, I never knew that it was a mobile lock. But I might buy jam is purple, because that mix of red and blue is is me. They’d love it and it’s regal. So absolutely, let’s get maybe to the roots of kind of where you were with the 30 years of banking and wealth management. And then how you came to found Cambridge money coaching because that’s a pretty royal name in a sense. We hear Cambridge here in the United States, you know, and we hear how Cambridge is like royalty or something like that. So I’m really interested in how you came up with that name, how you lock that name down? Or if he was hard at all, and just really your roots brother?

Yeah, sure. Absolutely. Well, I guess you’ve got the Cambridge is that’s like the royal family of the Cambridge is that I, I started with Cambridge money coaching because I live in Cambridge. Oh, and it just got to me, like a good it like it has a good name. But that was that was a few years ago. More recently. So as you say I started in, in banking, I started in 1986. So you know, I’m back back in the days. And I spent a lot of time in banking and wealth management. And kind of over the years, I noticed that a lot of people I work with, they just weren’t great with their money, some credit card debt, some struggle with bills, some had no savings. I even worked with a guy in a bank, who’s had a lending and governance and he had to declare bankruptcy. So working in a bank doesn’t make you any better with your own money. In fact, you could probably say doesn’t make people very good with anybody’s money, whether it’s the customer’s money or whether it’s their own money. But anyway, I spent a lot of time working in this space. And I thought I knew a bit about money. And I guess in some senses, I did. But I moved to I was working abroad and I moved back to the UK. And this was in about about 2014 And I didn’t have a job. But you know, I was building a house so I got involved in this process of building a house and building a house is all about lots of decisions, right? When you buy a house you make one decision you make one payment when you make lots of decisions and each decision is not just about where to put the lights or you know where to put the plugs or you know, whatever the appliances it’s also always like a spending decision. Okay, So you make hundreds and hundreds of spending decisions. And I didn’t have any job, I had some savings. And these are gradually being, you know, eaten up by the house, because you know, any kind of building project is always you start with optimism and a budget and then urgent, always, always, always starts to state. So I ended up in the space of, you know, making lots of spending decisions. And building all you know, in me, I was building up anxiety, so I had no job dwindling savings, increasing costs. And I did what most people do you want to have money anxiety, I freaked out about every tiny expense, I did not look at my finances, or tormenting myself with worry, and I had like the smile breakdown. So, you know, after 30 years in finance, it seems I knew quite a lot about money, but not very much about money and myself. So I was financially competent, for not financially secure, no, at least not in the emotional sense. And, you know, when you’re living in a, in a state of anxiety, this has a massive knock on effect on all the people around you. And making making decisions from from a place of fear is usually suboptimal. So that was a place I found myself in and I was listening to podcasts, because I’m trying to write stuff on financial literacy, which may seem ironic to you at the time, but I thought that would be you know, something I could do. And I heard someone who just trained to be a money coaches, a financial planner, and she was talking about where are where our beliefs, where ideas where I, where our money, behavior comes from, and and I suddenly realized I had this moment when I realized, I have been dragging around for the whole of my life, my father’s money anxiety, along with all the other stuff, that that is part of my subcontractor

hammock and then worrying about the future, too. So you’re drying?

Yeah, we all kind of worry about the future, because that’s kind of what mammals do, and what most things but how we really are about the future. How much we worry about the future, because if there is some people worry about the future Lord and others like that, don’t worry, it’ll be fine. I’m sure something will turn up. So all of that, right. A lot of that is about what you learned about yourself and what you learned about money, as a child growing, oh, my gosh, my whole life, dragging around my father’s anxiety around money, and his anxieties around everything else at the same time. And that gave me this moment of realization what it was. And it also showed me how I could release myself from that. So I trained to be a money coach, I spent nearly nine months training with the money Coaching Institute, California, while I was on zoom in five years ago, and I became a money coach. And so I help people deal with anxiety or the negative emotions. guilt, shame, regret, there’s a whole bunch of stuff all wired in the road. And when you understand that you can make better decisions, you reduce anxiety, and you communicate in healthy ways. Because, as you know, money causes a huge amount of friction.

Sure, you’ll find that a lot of people when it comes to money, they kind of have a foot in the past a foot in the future, and they piss all over the president, like, they just get so worked up because of the it’s like a sandwich, if you will, you know, because my dad worked on the line at General Motors, you know, they build Chevy cars and stuff like that. We are always anxiety about money, always, oh, you can’t get that go into restaurants. And I want to grips with my all you know, you don’t need the grips. You know, it was kind of that and then you look forward and like how the hell am I supposed to make it in this world? When I went through what I went through? So am I hearing Right? Kind of what you went through as well, that first of that anxiety?

Yeah, so the anxiety is not related to how much money you have, obviously, you don’t have very much money, then you’re far more likely to be concerned about how much the grits cost or whether you get you know, a double soda or whatever you have. But there are plenty of people who have money and that doesn’t stop their money anxieties. So sure, you know, the the what so one of the interesting things if you look at the way the human brain is wired, once you have anxiety once you have cortisol going around the system, it does this thing called cognitive narrowing. So basically, your ability to think is massively impacted your ability to think straight, your ability to plan your ability to make good decisions is reduced. When you are anxious when you’re in anger and anxiety mode are the people I work with. We use this concept of halt, which is I make really bad decisions when I’m hungry, angry, anxious, Lonely or Tired. Right because I’m when I’m hungry and tired. I don’t have enough energy to run the thinking brain and when I’m anxious, angry or lonely. I got caught too. So going around the system, right? Because this stems is all stems from a really simple thing that we evolved with, which is if when you squat if you’re running with great haste from danger, how much energy do you need to put into it? Just enough for you to weigh 100%. Right. Yeah. And should this process be automatic or, you know, conscious,

I think it should be conscious was probably automatic, because the way we’re wired from our ancestors, you’re wired,

if you are in great danger, you’re wired to subconsciously get away. In fact, the brain has answers the question, what do I do before? What is it? What do I do is much more importantly, what is it because it isn’t a hose? It is a snake doesn’t really matter? What do I do? Sure. So you have. And then like, when you’re running with great haste from danger, like do you need to worry about, you know, whether there’s a coconut over there, or whether that guy’s got a nice hair do that stuff? Right, your brain does this thing called cognitive narrowing, it shuts down your visual field of your field of vision, and he shuts down your hearing, because when you’re running with great haste and danger, all you need to do is get out of where you are, you don’t need to worry about anything else. Now that’s, that’s fight or flight. That’s, you know, that is a hard wired response that cat environments live for 1000s of years, right? However, and that’s great. If you’re running from something with more hair and teeth and more legs and teeth. That’s really, really important. However, this same process, which is really powerful, really automatic, and really subconscious goes on when you can’t find your phone, when you can’t find your car keys. Or when you’ve got a tweet, where you’ve got something that upsets you this process of cortisol release, fear, and cognitive narrowing. And so when you live in a state of anxiety, you have this this concept where we’re right now is really, really important. The future isn’t right. The Lion in front of me is really important. Sure, not next weeks lion, and you know, the line in 40 years time, hey, I need to get past this line first. Wonderful. That’s not on there. Right? That’s, that’s that whole quote about that. That’s a problem for huge future Homer. I’d hate to be that guy. You say, quote this future Homer. Now. We don’t live in that environment. Most of us don’t live in that environment anymore. I mean, obviously, if you’re in the armed services, and whatever in you know, you’re in Ukraine, that sort of thing is really important to you right now. It isn’t for most of us, right? So when you have this powerful response, it gets triggered because you got an email from your boss, or your partner has given you a dirty look, or one of your kids has been rude to you. It stops you thinking straight.

That cognitive narrowing goes right into the cognitive

now, right? Yeah, got it. When you come back to finances that you know that the anxiety state gives you cognitive narrowing. It makes you think about what can I do right now as opposed to what makes sense? Sure. The long term you know, is Rosie is hassling Scott about like getting some fries, or some grits report right now. Right? She probably not. Right, because I’m anxious. I’m unable to see that picture. And so we come out of childhood with a whole bunch of messages about ourselves, and about money, right about whether we you know, whether we deserve stuff, okay. And that goes with us through life.

Yeah, in and I’m 100%, recovering victim of that mindset, because I went out and defied my father in a sense, where I just went on, like, I’m just going to print money, and I did, but I didn’t listen to Ryan visors to keep it because I didn’t have the identity to keep it right. So and I had to coach myself that I do pretty damn well. Now, if and I know that I have the right advisors in place that are going to help me then speaking of advisors. So when you’re working with somebody, maybe one on one, Dennis, is there any secret sauce that you have, if you don’t mind sharing that, like during that discovery period that maybe helped them find their blind spot?

Hmm. I think the most important thing is to start with understanding why managing your finances is really hard. Why it’s difficult, because it is right. And we’re not wired for it. Our brains are wired for it. There’s a whole bunch of stuff that I’d love to share with you. But right now we we don’t have a ton to go into, which is like a 20 minute miniseries,

we need to brief it up on this stuff. Absolutely. But I appreciate you interesting

thing about this is that once you realize how hard it is, you realize that and you internalize failure so when you grow up, people go Why can’t you do this? What’s the matter with you? Why did you do this? What’s the matter with you? Why don’t you understand and what’s the matter with you? So we internalize failure. So money is this thing. I I use it every day, it makes me feel bad. I don’t understand why I have debt, I don’t understand why I have no savings, I don’t understand why I’m in the why I do what I do, must be something wrong with me. So there’s nothing wrong with you. There’s nothing wrong with you at all. If you can’t do something that’s really hard that no one ever showed you how to do that’s wired to your emotions and your self worth. Then there’s nothing wrong with you, that just makes you normal. And so the most important thing here is to start with self compassion, and forgiveness. Because if you don’t start with that, and you try and change, and then as you know, with any process of change, you’re gonna make a mistake, you’re gonna trip absolutely gonna go, Ah, I knew I could never do this, I knew I wasn’t, you know, and my dad was, was bad with money, or my mom was bad with money. I knew I’ve always been bad with me, I’m just not good, you know. So you’re not good or bad with money. You’re just acting out a set of patterns and self beliefs. So start with self compassion, start with self forgiveness. And this is hard, but we can all learn how to do it, because what’s blocking you are the stories you tell yourself.

Money. I freaking love that. That makes so much sense. Another thing, at least here in the States, you know, it’s like when kids go to school for education, right? Like, I have a nonprofit that I work with, it’s called financial education services. So they invite us into high schools to teach kids how to balance a frickin checkbook and stuff like that, thank God, they’re letting us do that and come in and, and have that identity that it’s okay to make a little bit of money, but also when you’re in that rut, to have self compassion, I love love. Love that in Dennis. So when you’re maybe still in the discovery period, or maybe you’re starting to work with somebody to help them level up finances, or working with people that help others level up finances? Is there any good question that you wish they would ask you, but never do? Oh, that’s a really

interesting way of doing it. Normally, people say what questions do you ask others? Well, I a great question will be would tell me your own money story?

Yes. And my man do. That’s exactly what I did with my FA. I was like, how are you? And that’s there’s a follow up question is for you, brother. It’s like, what is the hardest part of practicing what you preach?

Yeah, that’s a really good question. That’s a really good question. And you could also ask, What’s the hardest part of coaching? And the hardest part of coaching is not talking?

Yep, that’s me. I’m so ready to help your executive leaders that I coach and stuff like that I’ve gotten really good at, you know, God gave me one mouth and two ears for a reason, right? And listening with my neck. Right? So like really getting into conversations, and I’ve gotten it down. But before I was like, oh, I want to help help help. So I feel you there, man. Yeah, I love it.

Well, you know, let’s put this into context here. Because because I think there’s a really interesting point we can tease out of this. So when you go to a financial advisor, and they talk about the numbers, and they only asked you about the numbers, what does that say to you? What’s the message you’re getting?

There’s no compassion from there and for you, and there’s no What about the human

being in front of you? Right? I’m interested in us.

Right? Thank you, because that’s my FA. We’re not buddies. Like, we’ll play a little golf here and there. You know, we both wrote jujitsu and stuff like that, but it’s like the he was like, Listen, man, there was something blocking you before my job, I feel is to help you, Fergie. You know, you know, get over that blockage? You know, in let me do my job of that. But that No, I love this dude, I love it. I’m sorry, I cut you off. Go ahead.

No problem at all. Let’s discuss that a little bit more. One more question. So so, you know, when when when you’re sitting in front of a financial advisor, and let’s just say, right? You’ve never been to a financial advisor, or no one ever talked about money when you were growing up. And you say to someone you say to your financial advisor, and then let’s say the financial advisor asks you about, you know, what was what was money like growing up and stuff like that? You know, tell me a little bit about yourself, tell me how you got here and everything and you say, We never talked about money growing up? Or I’ve never been to see a financial advisor. Would you think you could, you know, what do you think is an under potential underlying message in that? I never talked about money growing up, or, you know, we never we never I’ve never been to a financial advisor. What is was that person potentially saying

that the there’s no identity to money and that they need possibly to be educated? I don’t know. Yeah.

So you could be saying this is really exciting. Or you could be saying this is really scary. Scary. Yeah. Okay, this is really scary. So So You’ve just told somebody that this is a really scary space for me. And they’ve said, Oh, don’t worry, we know a lot about money around. Here. We are, you’re in the right place. I’m going to look after you. Don’t you worry about it. So I’ve said to you, Scott, I’m really scared. And you’ve said to me, don’t worry, Dennis. I’m really brave. No, I’m not going to feel any better. No, no, not much right now,

in a good advisor is a coach, man, you know, they just are, they don’t think that they are but they are and like, I use the how, when never why I never used that question. Why when I’m coaching because if there’s some judgmental ism in it, you know, you know, where did these feelings of lack come from? You know, it could go there. And I wish advisors financial, would ask that. Because, you know, it’s such money doesn’t make the world go round, but it sure as hell makes it easier to live. If you haven’t, you know, bottom line in there’s a scarcity of it. So,

okay. The people that are telling you money doesn’t buy you happiness usually have money. They’re not the ones who have don’t have

rights, right, you can pull right up to happen isn’t something

I got a lot of money. I can tell you. It doesn’t bother me as well. You know, I’d like to I’d like to try it for a little bit. I’d like to try being really really rich. And then Okay, maybe

we’ll see what happens. Hey, have you seen the movie Back to the Future?

I have. Yeah. Okay.

Let’s get that Dorian with Marty McFly. All right, let’s go to the double Deuce the 22 year old dentists. What kind of knowledge nuggets as we call here time to shine today? Or what kind of wisdom would you drop on the 22 year old dentists to maybe help them level up last through and maybe shorten the learning curve just a little bit, not so much change too much. But we’ll be here to help them level up a little bit.

I would say to him, that. Life is a learning journey. So you doesn’t stop when you leave college? Wow. Move into a new phase of embracing life. Embrace lifelong learning. Wow, you’ve left the formal education process, but you don’t know anything. Wow, that’s okay. Right? That’s not meant as a judgment. It sounds a bit judgment. Really, you’ve just got to the end of that phase. Right now. We raise lifelong learning. And the most important thing you can learn about is yourself.

Love that. That is That is fantastic. So how do does Dennis one his dash remember that little line in between your incarnation date, your expiration date your life date, your death date on your tombstone? Which hopefully it’s a long ways down the road. But how does dentist one has to ask you remember?

Yeah. I’d like people to look at me and go, he tried to be the best person he could. Yeah. And that it sounds a bit trite, I guess in some senses, but I think if you want yeah, if you want to think about your legacy, what you’re talking about is how do your kids remember you? Love it? Love it? And I think they they’d like I’d like them to remember me as some person that was always trying to be the best person they could. It doesn’t mean I’m successful at it. Don’t get me No, no, right? I’m a long way from the subjective,

right? There’s, there’s thing about us, I’m gonna pat your back dude. Because what you’re doing with financial advisors, in wanting them to show compassion and educate their clients, that you’re actually planting trees rather that you’re not going to sit in the shade. Because if you you’re what you’re doing, hopefully they pay that forward to the people that they train. Right. And I love that this angle, and this was what I was hoping for after kind of vetting you out, you know, and seeing where it went. I love it. So then what do you think people misunderstand the most about tennis?

Most understand the most about you about me? Oh, wow. Well, these weren’t the questions I prepared.

This is time to shine today man we rock we get deep

misunderstand about me. Um, God. I think they see me as someone that’s maybe always trying to worried think too much about things and explain things and I guess in some senses of the word. I have to kind of understand it in order to be it. I just that’s kind of how I’m wired. And what I’m really trying hard right now is just to step back and ask questions like, that’s really interesting. Tell me more about how Why’d you do that? There’s a why but you know what? Yeah. What’s driving you thinking? You’re right, because the why thing is always, because it makes total sense to me at this moment now moving my brains only thinking one nanosecond ahead as opposed to in 40 years time because I’m triggered, I’m stressed and I’m tilted and whatever it is, right? I, you know, I believe, I believe that every individual makes the rational decision for them in that moment, may be really bad for them in the long term, it’d be really bad for them in the next five minutes, but right, then, it makes a huge amount of sense. So the why question is not about judgment. It’s like, Help me understand. Yeah,

right. If you ask yourself a why question. I’m good with that. Because I do with my clients. We don’t do affirmations. A lot of people are, like, want to do affirmations I do with my clients, something I was taught by my coaches and mentors is we ask crazy high level questions like, How is it that I’m 240 pounds and sculpted? And I’ve looked great, why is it that my bank account keeps growing, because our brains are made to solve problems? If you give yourself affirmations, there’s a seed of doubt. If you ask yourself a question. And you ask them as powerfully as you can. And I’ll even add wise into the questions I asked myself, you know, you know that that’s great. I love the compassion that you have. So what then what keeps you up at night?

I still have money anxiety.

Right? And thank you for the transparency. Dude, that is awesome. That is,

he’s a damn sight better than it used to be. Right? Right. And what I don’t do is I don’t radiate it out to everybody as much as you right? That’s, you know, it’s okay. I have self compassion around that. I understand. I’m on a journey with it. And I’m hoping to get better at it. And I guess, I guess if I have in 20 years time, I’ve got 20 years less to worry about and to my future. Yeah. So it’s about it’s about taking ownership of that process and going How do I do this better? What is it that I can do for myself? In myself to make this process better? How do I create more security for myself in the future? Part of that is like,

those are human level. High level questions, dude, that that I’m sorry, used to it. I, it’s the ocean that probably becomes that. That is fat. Because if that’s keeping you up at night, you’re problem solving. Right? You’re actually going through and ask yourself questions instead of saying shit, man, you know, I’m here, right? You know,

so have you ever seen that film the bridge? It’s about these. It’s about this a spy swap? You remember that guy? The US pilot that got shut down over Russia in the 50s. And they swapped in for an American spy, right? It’s got Tom Hanks in it. Yeah, yeah. Yeah. Yeah. Yeah. So his, his his his really great clip. So the Russian guys been captured and whatever else it is, and I and I, and Tom Hanks is there to interview him and everything. And he says, Tom Hanks says to this guy, aren’t you worried? And the guy says, Would it help?

Through? Right? Absolutely. Does it help?

Right? So the process of being less anxious is partly about building security. But it’s also partly about getting yourself to remember that anxiety is just an is something that you can dial down in yourself. Love it was a breathing exercises, you can do some mantras, but fundamentally, you recognize it, you look at it and go, Oh, hey, I know what you’re trying to do. But it’s alright, I got this.

I love it. It movement. Just I’m glad you brought in physiologic physiology into it as well. It’s like I’m a huge believer in rebounding in a trampoline, right? Because, you know, I just want to go on stage and I open up all my speeches with me bouncing on a trampoline and people again, I’m 250 pounds and the big dude pretty well put together and people are like, what is this guy doing? But you know, I’m able to one I work out my anxiety through the physiology of going out in front of 30 or 500 people but also like your heart beats in it purifies your blood, but nothing can clear the lymph system out without movement. Right? So like lymph system stores, all your leukemia and cancers and all that stuff in there. So when you’re rebounding it actually because when you come off the trampoline, you are zero gravity, you hit the trampoline, you’re at four times the gravity, right, right. So it just flushes out your system. But the best part about it is when I’m on stage is that people are going like this and affirming everything I say they’re like so what is Dennis’s definition of a life well lived

Hmm. I think this has to do for me with the concept of purpose. So we talk about happiness, we talk about well being we talk about meaning we talk about purpose, all these things that if you can find purpose in your life, you will find meaning you will find happiness, you will find Well, wow, all these things come from purpose, right? I think the question around what is the meaning of life is a pointless question. The real question is, what is the purpose? Have you found purpose? So, this is why people who get paid a lot of money, but do jobs that have no purpose, or at least they feel like, you’re gonna have no purpose? Sure, don’t make them happy, because the money won’t make you happy, right? purpose that makes you happy. And when you look at, if you take a correlation between money and happiness, then you know, obviously it goes up. And but beyond a certain point, more money won’t make you more happy. What’s really, and we, you know, we don’t need to get into happiness and wealth, and that kind of stuff. But what’s really interesting is that there is no correlation between money and purpose. Right? Right. Because purpose is an internal thing. It’s one find for yourself. So a life well lived, whoever you are, whoever I am, is when I feel I have purpose. And that’s going to make me happy that’s going to make me

you’re sorry, man, I just believe you do it you love in the service of people that love what you do. And I know that I love what you do. And I know you love what you do. And that’s that’s that’s fantastic, man. That is beautiful. Hey, time to shine today podcast. Firstly, squad we’re back with like, awesome sauce friend Dennis and Dennis you and I literally could talk an hour on each one of these questions. Okay. Oh, yeah. You got five seconds to answer them with no explanations and they all can be answered that way. You’re ready to rock. Let’s go Let’s Level Up All right, Dennis, what is the best leveling up advice you’ve ever received?

The best advice is that perfect is the enemy of progress you love like shining, get comfortable put yourself out

there. Love it. Love it share one of your personal habits that contributes to your success.

I think that’s a balance between checking your work doing it to the best ability there is not putting it into early but also not hanging on to it just get

it out love it. If you see me walking down the street kind of hanging out like Fergie looks like you as an adult drums and give them something to read to level up. What book are you giving me?

Ah, wow, that’s a good question. The book for that particular case. I would quickly

on these leveling up lightning round quickly.

Should you got me there? Grandpa’s? Grandpa’s fortune. fables. How to talk to your children about money.

Love that. Love. Love. Love that. Your most commonly used emoji when you text.

Smiley face.

Love it. Nicknames growing up. Didn’t have any non chess checkers or monopoly. Monopoly. Love it. What’s your go to flavor for ice cream? Vanilla. No. All right. So there’s a sandwich name that Hora Lacus what is on your sandwich? Oh, yeah.

It’s got avocado. It’s got a bit of Swiss cheese. It’s got a little bit of mayo not too much. So that that avocado doesn’t

love it. So if you you got a time machine for the day, right? And you can spend one day 20 years in the future one day, 20 years in the past? Where are you going? Wow. Future beautiful. Which favorite charity and organization you’d like to give your time or money to?

Anything to do with kids?

Beautiful. Last question. You could elaborate a little bit on this one, but what’s the best decade of music 60s 70s 80s or 90s?

Okay, if I look at my record collection is 80 All right, very cool. So yeah, no,

I mean, I’m an atheist guy too. I mean, I my graduated 1990. So I lived through the 80s and, you know, big hair don’t care. They have the invasions of the United States from Britain and even Ireland with you too. And you know, you had the big hairbands I love it. I love it. Love it. So then where can we find you my friend?

You can find me at Cambridge money coaching.uk W W W, Cambridge money coaching or one word.uk COMM

that’ll be in the show notes squat. And let’s talk a little bit about this monthly workshop that you

visors. So we touched on a little bit earlier which is which is how do you how do you understand client behavior, you help people understand how their clients think and behave around money because it’s not taught, it’s not taught. If you’re a planner, it’s not taught if your advisor is not taught in any space at all, you need a money coach, because a money coach has insights around how people think and behave, and feel around their money. And here’s the interesting thing, how people think and feel and behave around their money drives, they’re spending, they’re saving, they’re earning and they’re investing. So if you’re a financial advisor, and you don’t know anything about how they think and feel and behave around money, but you’re trying to help them save, spend, invest, and earn, where are you? Right? That’s what my workshop teaches you.

That is awesome. That’s such self compassion in there. And in squad, I know we ran a little bit longer than we usually do. But I want to keep my guide Dennis on here. He basically gave you a free masterclass on how a financial advisor should treat people how to think about money, and he was full transparency from the hundreds of decisions that he had with building this house, you know, that he we might have said this make a decision from places fear is suboptimal, suboptimal. And that cognitive narrowing can happen, you know, we’ve seen, you know, Dennis told us that we do tend to internalize failure. And if you’re going to hire a great financial advisor, he will get help you get past the mental blocks using self compassion. And when you’re starting to work with an advisor also ask them how they manage their own money and their thoughts and maybe their past, maybe reverse interview them, if you will, you know, you know, life is a learning journey, Denis reminded us you know, you’re gonna go through new phases, new rebirth of life, and sometimes you’re gonna get stuck. And that’s my Good, good friend and Coach Lee Woodford told me is like, get your asking here. You can ask questions. But understand, like Dennis said, you’re going to go through new phases. You know, Dennis can remember again, is the best person that he could be, you know, metaphorically is going to slide across home plate bumped and bruised, but a better person and knowing that he’s helped people, you know, level up their life, you know, he wants you to, you know, find your purpose, that thing that moves you that internal thing, you know, and if you do that all your other wise Watts house will follow you because that passion and purpose is there. And all of his information is in our show notes. And please feel free to reach out to us so we can make a warm introduction to Dennis, you know, he levels up his healthy levels up as well. He’s earned his varsity letter here at time to shine today. You know, he just full of love. He’s humble yet hungry. And he’s full of compassion, Dennis, I love your guts. Man. I really appreciate you coming on. Thank you so so much.

I’ve had the most awesome time, Scott. Thank you so very welcome.

We’ll chat soon, my friend. Okay,

I look forward to it. Hey,

thanks so much for listening to this episode of time to shine today podcast. proudly brought to you by Southern New Jersey real estate real estate excellence who can be reached at 561-249-7266 and online at www dot Sutter in nugent.com. If you’re a business owner or professional who would like to be interviewed on time to shine today, please visit time to shine today.com Flash guest. If you liked this episode, please subscribe on Apple podcasts, Google podcasts, Stitcher, Spotify, I Heart Radio or wherever you get your podcasts. There’s a link in the show notes to our website. Also there you will see a recommended resources. We hope that you will support our show by supporting them. If you like what you’ve been listening to, it’d be great if you could just give us a five star rating and tell your friends to subscribe while you’re at it. I’m your host Scott Ferguson. And until next time, let’s level up it’s our time to shine

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