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#009 – Money is not that complicated. We make it complicated. We make it about right and wrong. About one method versus another.

What if you could simplify everything in your personal (and even your business) finances to one simple question.

The answer to that question could magnify your financial success and set you on a righteous road to riches… or it could make it terribly clear why you’re struggling to make ends meet.

Stop fighting with your spouse over finances.

Stop stressing when the bills come in.

Instead, listen to what Financial Planner Curt Stowers says can make all the difference.

Do you want money to…

  • Start a business
  • Pursue a hobby
  • Buy a franchise
  • Retire early
  • Retire in style
  • Give more to your church or favorite charity

 

Whatever your goal, Curt’s insight can make a difference for you today.

 

So tune in to discover…

  • How the perfect corporate life led to being sold like a piece of old furniture or a rental property
  • Why your past is exactly what it needed to be for you to become who you want to be
  • The perfect path for living your perfect life… and it might not be what you think
  • Why Curt thinks if you (like too many in the world) have this certain belief, then you are naive.
  • Why waiting for your magic moment is killing your dream.
  • How lifestyle creep impacts every area of your journey… and what you need to do if you want to right your course.

 

Thank you for listening! Remember, if you enjoyed this episode  please share the link on Facebook and Linkedin thank you for your support.

 

Always Forward,

Joe

Resources Mentioned:

  • Curt Stowers  F5Fp.com (website)
  • Jim Rohn (Quote)

Joe Pomeroy 0:05

Welcome to the Forward with Joe Podcast, where we apply principles of success in all areas of your life. So you can win big in your business and with your family. I'm your host, Joe Pomeroy.

Joe Pomeroy 0:25

Hey everybody. Welcome to today's episode. I'm excited to be here with Curt Stowers, a friend of mine. He is a certified financial planner, a graduate from University of Illinois where he earned a BS an Ms and a PhD in industrial engineering. Curt is a husband, father of three, avid outdoorsman and a follower of Jesus Christ. Curt, tell me about I love reading your bio because you've got a PhD in industrial engineering. And that's not what you're doing. You're a Certified Financial Planner. That's got a story.

Curt Stowers 0:58

Yeah, there's a little background there. I have been on a unique journey. After I finished up with the University of Illinois, I joined caterpillar. And for close to 20 years I worked with Caterpillar and lived and traveled all around the world. I started off in research. And then I moved to project management. My boss come in one day and said, how would you like to move to Dubai? Dubai? The Middle East, I said, Are you nuts? And he said, No, no, I really like a place. We had a six year old, three year old and a newborn. And we did indeed go to Dubai. It was a really nice place a great experience. We looked over the Middle East. Whenever there did product support and marketing came back and did commercial management managing relationships between different business entities. And I went out and started running facilities out in Denver ran a 200 person UAW facility and ran facilities for Caterpillar up and down the West Coast. Got another call and said how would you like to move to Europe and run Europe, Africa, Middle East, parts Operation 600 people 100 million dollar budget I said, can't beat that with three kids chance to go over live in Europe. So we did that and we went back to Peoria and did commodity pre buy. So hedging of commodities and purchasing group made my way up to Chicago where I did an external third party logistics business development solutions team up here. And that's when the story takes a little change. Things have been really good for us. Financially been great experience has been great. And my boss and a peer, walked into my office close the door and said they are selling us, none of us for Caterpillar anymore. Nobody can get up and work here. We're going to be sold. I did not particularly like the idea being sold. That didn't sound appealing to me. So I took a look around and decided what what I like to do. And financial planning came to the front. I'd always been around numbers, all the things I was doing, were business related, always financial related, and also a lot of interaction with people. Were going to people for development standpoint and financial planning is what I want to do. So I started down that journey to the coursework, pass the CFP exam and made a career switch spent a year working for a small firm. And then after a year went out on my own and started from ground zero, no clients, no anything. And that was six years ago and it built the business up to we now have 75 families. And we are very involved. There's three of us in the group, one of them is now a partner, he bought into the business at the beginning of this year. So there's three full time employees, me and two others. And we we really enjoy what we're doing. We talk about freedom and significance. We help people identify what financial freedom is, so that they could pursue personal significance, which is all about making an impact in the lives of others, which is what we we try and do.

Joe Pomeroy 3:34

Wow, there's so much in there to unpack and unravel. And I'm just just keeping up with your story and keep it up in the transitions. And the first thing that hit me and I don't know how much of this actually knew like going to Dubai and going to Europe. I mean, I've I know I knew about the transition and some of those different things. But I mean, essentially, you're on the quintessential corporate path that people look to as well. Wouldn't that be amazing? Wouldn't that be amazing to expose my family to these different cultures and opportunities? be in charge of these large groups doing fantastic financially? I mean, you're on that quintessential corporate path that that were told growing up in school, like, get a good education. Get a good job. That's what you did.

Curt Stowers 4:19

Yes, sir. And as time went forward, I found out that maybe it wasn't quite all it was cracked up to be. I don't want to disparage my time there at all. It was a wonderful experience, I had a chance to meet people and the kids had good experiences, let them travel all over the world. But at a certain point in time, you start to ask yourself, what is what is important, and I was already a little bit there when the when the sale took place. So that just kind of triggered it and said, hey, maybe there's something else I like the financial part of it certainly important, but there are other parts. The name of the company is f5. That's yet for faith, family, friends, fitness finance. So when I started down this, this career change I really thought about what are the other dimensions in life their importance and finance are critical to support The rest your life doesn't have dimensions I think her are where your focus needs to be. So definitely a great journey. I wouldn't trade it for anything prepared me well, but much prefer what I'm doing now.

Joe Pomeroy 5:12

seen it, I think that brings up a good point as well is that whatever we're going through whatever journey that we're on, it all leads us to the point where we're at now. And so there's nothing about your past experience that I mean, everything about that has prepared you for what you've done in your business and gives you the ability to connect with and support do things for others. I think one of the things I take away from that is, is our paths are, are our own. There's not a story that says, hey, you've got to go the corporate route, and that's going to be the perfect life. And there's not a story that says you have to go the entrepreneur route, not going to be the perfect life. I mean, essentially what you're describing is, and that turning point, I'd love to dive deeper into this that you mentioned like so they came in and said, Hey, we're going to be sold and you're like, I don't like the idea of being sold. And so that was a turning point for you to have to really dive into what you wanted to be your foundation. So tell me more like, what was that experience? Like? What were some of the emotions or thoughts what were conversations at home this idea of, I don't like being sold.

Curt Stowers 6:16

Yeah. when we'd come back from Europe, that was during the economic downturn. So I'd gone from a 600 person organization, the corner office to to sit in a cubicle as far as we're part of a team trying to try to work through some cost reduction thing. So it was kind of the first first kind of maybe signal that I wasn't quite as high and mighty as I thought it was, I didn't really have it all under control. And so then I restarted the career back up here in Chicago and and then within six to nine months being up here in that second change. So it was just very eye opening, when when I had that conversation with those two folks who were friends in addition to being colleagues, and it really just got me thinking, if I can be so If the company doesn't think anything about me more than as somebody that can be sold, and there were close to six out 6000 people went through this. So it's not just me. Yes, there was a lot of us that went through a, this really put things in perspective. And it said, you know, I've given a lot of time and effort made a lot of sacrifices, and well compensated for it. But it just got me thinking, do you really want to do this? Is this really what it's all about? The corporate environment was good. But as I started thinking about what the transition was gonna look like, and categories, wonderful company, where they really took care of the employees and focused on them. And just, it didn't seem that that was the same place I've been. And again, financially, things are going really well. So I had the choices and just trying to figure out what would make me happy what would what would be important to me, and just having to do a lot of thinking it took a it took a couple of years may have figured out the financial planning pretty quick, but what that would look like took me took me probably three or four years actually forgot that it was a couple years in the sale one year with another firm Just just kind of evolved, and it was all about whether it was important and as I started thinking, how would this work? Those five apps came to the forefront. Things just kind of kind of fell into place. And I say fell into place. It wasn't totally falling into place. It was lots of thought and writing and journaling and, and thinking reflecting and it just seemed to make sense. So that's, that's the path I went to was a little bit of a little bit of flair. But I had a good financial safety net behind me. And it seems to seems to work out pretty well really.

Joe Pomeroy 8:33

Well tell me more about the the five "f's" that that make up the name of your company because I know each of those, like you talked about the process to get to there, the journaling the introspection conversations with trusted allies, with your with your wife, different things. I mean, tell us more about that. Because those those really are at the core of the journey that you came from that transition and then what you're seeking to do for other entrepreneurs

Curt Stowers 9:00

Right. So I don't really remember Joe exactly how I came up with them all, I noticed that when I step back to reflect and said, Okay, what, what is important? What in life is, is it that really, at the core essence is there, I started thinking and writing things down. And then just whenever you're problem solving and a scientist is gather a bunch of data and you start thinking and I do a lot of scribbling and, and so, over time, those just seem to arrive. And I've always been a fan of alliteration as far as the off all the four the five asks as far as that, thank you there. And so they just seem to be the aspects of me faith is, is obviously, the core essence. So there's, there's a lot more to to our life than the time here on this earth. So that one, that one pops up pretty quick and then you start thinking, Okay, what's important and your family and then what really jumps out then who do you spend your time with? That's the friends and none of it really matters. If you can't Be healthy. And then a lot of people might might bristle a little bit of finance in there. But to me, finance is critical. It's money is one of God's greatest gifts it. It allows us to do amazing things. If we were still bartering, we wouldn't have sinned. society we have as far as the existence of money, makes a lot of things possible. And I think anyone's naive that says money is not important. You don't want it to be everything. But it definitely is something that makes a big difference in how you live your life. We're called to steward it, we're called to understand how to use it. And so to me, it's the underpinning of a lot of those. It doesn't need to be your primary focus, but it doesn't need to be something that you understand and take control of. And from a, from a mathematical standpoint, the numbers that's my forte, I've always known the numbers that financial part of the life as far as as I was working in the business or working my personal finances, just always have a good grasp of it. It's something I've been blessed with the ability to see numbers and make them work for me. So just kind of flow together and I haven't had to make any changes to it. It's it just has worked really well. And it's it's a good it's a good lens to look through life with. So wish there was some epiphany or some magic moment but it was more just a little here a little there spend some time and it just kind of slowly evolved and now there's evolved it's it's there and rock solid.

Joe Pomeroy 11:25

I was doing some introspection this morning doing some journaling. And it's interesting. You talked about looking for an epiphany or that light bulb moment or that there you said there wasn't that coming up the fives it's just kind of how it evolved. And I wonder how often we're looking for that specific bell to ring or light bulb to flash on before before we take action. And so I appreciate with your story that it it is a process and I mean even upon your website, web I words I'm good with words, even on your website. You know, you call it the f5 process that this is a process of journey that you take people through to get to a life of financial freedom and personal significance. So what would that look like? So I'm coming to you and and first of all, one of the things I appreciate, appreciate about you, Kurt is you are highly intelligent. And yet, I feel like when you talk to me about finances, or when we've had these conversations, there's never any condescension and you explain it in a way that that turns the light bulbs on for me makes me go Okay, I get that. That makes sense. So, so walk me through this process, I come to you and I say, hey, Kurt, I want to get involved in f5 process. I'm ready to find more balance in my life. What does that journey look like?

Curt Stowers 12:41

Sure. What you see from a process standpoint is we go right back to to the engineering fundamentals. So the engineer comes out of me with that. So at Caterpillar, they had a methodology called six sigma. A lot of people have heard about the Six Sigma is something that that's been widely talked about, it's gotten more prevalent and at the heart of it Sigma is what's known as a demand process DMA IC. Define, measure, analyze, improve, and control. If you don't like those, those fancy engineering descriptions as far as, what's the problem? What are the causes for the possible solutions? And what are the best solutions? So what you think of is define, measure, analyze, improve and control? Or what's the problem? What are the causes, possible solutions, the best solutions? That's kind of the methodology you need to go through. So when it comes to helping somebody figure out financially, what's right for them, there is no universal answer. Each person has their own unique situation, simply go through the process. And when it goes to the Define standpoint, that's a matter of, Okay, what do you want to do the goals part of it? So, what do you want your life to look like? When we talk about financial freedom? One person financial freedom, maybe $50 million, the bank and never have to work and sit on a beach. For another person, financial freedom could be, hey, I've got a job and I work 40 hours a day. Could I make $80,000 and I can spend a lot of time with my family. And that allows me the freedom to do what I want from a life standpoint. And there's a continuum all in between there. So the first step is just help people to find what they want to do. We deal with a lot of folks that are, you know, 40 to 50 years old. They've made good strides. They're in the middle of a career, and they're just maybe not super excited about things and they're trying to figure out what the rest of their life looks like. So, okay, what do you want your life to look like? Well, I haven't thought about that. Okay, well, let's talk about that. So, the first part is the defining part of it. The measure part of it is a matter of collecting all the information, that's when you're talking about your expenses, your income, your insurance, your estate, plan, your education, planning, your investments, all of those things as far as so the measure part of is is collecting all that information as far as that's the that's the mystery lies the traditional stuff that people think of the Analyze when you when you work your magic. That's right, that's when we put everything in the computer and we we Take her experience and we kind of look at it and say, Okay, here's what we see. Here's there's this opportunity over Joe, there's this opportunity not available for Joe. He's got this, he's got that. So at that point in time, we've got kind of the analysis of you, well, then the improvement is saying, okay, Joe, here's where you're at, you know, I, you tell me that you want to, you want to pay off your home in 10 years? Well, it's better than home in 10 years, you get to make an extra $12,000 a year payments. Well, you're spending $30,000 a year trying to become a professional golfer, well, dude, you know, it's just not gonna work as far as no disrespect, but it's just not gonna work. And I joke about that, but as we look at the expenses as far as to just show people what's going on, a lot of times we say look, are you aware and we don't say it's right or it's wrong we just say Are you aware this doing this? Are you are you doing that?

Joe Pomeroy 15:46

You bring up a good point as well because there's people get a little tense about money when you start talking money, whether it's the one part where you mentioned you already alluded to where it's Oh, money is the root of all evil now, okay, look, it's the love of money. You need money to do this. thing So, but but this other idea of where people choose to spend their money I mean, I've had conversations just friend to friend with people and even hinting or suggesting that maybe it's not the right time to buy that motorhome or to upgrade their pontoon boat or whatever. Like people get very defensive about that. So having these conversations I mean, that's, you know, it's like you need an outside sources like you need a neutral third party to come and say, Hey, I'm not your buddy. I'm not going to see at family dinner I'm we're not going to be hitting the Golf Links later. And I'm going Hey, you just slice that one really bad. You need to stop this professional golfing pursuit, whatever, but having that neutral third party to come in and say that from a safe place, a fresh place.

Curt Stowers 16:45

Yeah. It's something that I think has been a gift of mine since very early. It was just always something with very comfortable as a family. It was very transparent. We talked about it not good or bad, just kind of matter of factly and so I've always been comfortable. I remember, I had a summer internship work for GM one summer. And I asked one of the guys I work with, oh, how much money do you make? And he looked at me a gas. It's like you don't ask somebody that? Oh, sorry, I didn't know. So part of it is just making it comfortable for people. It's, you get used to talking to people about it. And again, it's not my place to tell you what's right or wrong, what you're doing. It's simply my place to say, here's what I see. Here's what your options are. And if you say, I don't like that path, it's okay. Here's what we could do you know, your your biggest expenses on the house. So you're spending $4,000 a month on house. So if that's important to you, that's great. If on the other hand, you say, well, we want to travel a lot more as a family. Well, then do you want to travel with the house? I want both. Well, mathematically, we can make that work. So do you want to downsize a little bit? dinners out, that's one of the big ones a lot of times, you know, now people will be very surprised. It's a basket Same process to ask somebody, how much money do you spend on a monthly basis? The first answer is I don't know. And then the second answer after they come back is, well, I spend this amount. And so we'll go through an analysis and we'll come back and say, Oh, so, you know, you make $100,000. And I see here you're spending 60,000. Tax or 20. So you've got $20,000 saved. So what did you save it last year? And Josie by Yeah. I don't have by that 20 as well, then then we obviously got the income wrong. You don't make 100. He's like, No, no, I make 100. Well, I'm confused then. Because you're not saving. I think maybe the expenses might not be aligned. You're like, No, no, no, they're mine. So well. I just can't make this work. Joe helped me to understand this a little bit. And he's like, well, I don't know. I said, Well, would it be okay if we took a look at your expense and see like, Okay, and then we start digging into a little bit. Joe finds

Joe Pomeroy 18:50

Spending more at Costco than I realized a few more trips to bosa donuts are.

Curt Stowers 18:54

Yeah. Starbucks lunches to be big. Some people Pull up clothing. I joked about golf. You know, I'm an avid fisherman. I shudder to think what my credit card will look like a Bass Pro Shops that at one point in time, got an awesome collection of fishing rods and luers. And I've got a whole storage compartment in my basement. It's got an extra louvers all this stuff, but yeah, so it's not

Joe Pomeroy 19:20

sorry, sorry. So do people not? Do they not know those numbers? Because they don't want to look at them. Or they don't want other people to look at them. Like what's what would be keeping me typically like what do you see is keeping someone from being honest about their expenses and their situation?

Curt Stowers 19:38

I think a lot of it is society that sounds rather altruistic, but it's no use, well, I need to do this, I need to have a fine, I have this I need to have that. It's just, it's just assumed people just fall into a trap of spending without really thinking about it. And there's a lifestyle creep, you know, you start off and go back to when you graduate. College, you know, you probably weren't living in the same house, you were now you're probably living pretty modestly probably didn't have a brand new car, he probably didn't have dinners out at the same place to go to when you're living a certain style, or you go to high school, or college. And then over time, you just get this lifestyle creep, it just kind of creeps up on people, they don't even realize it. And that's not to say people aren't saving, because a lot of people will maximize their 401k. But once they maximize a 401k there's I got that's it. What they don't understand is that as they let that lifestyle creep up as their cost of living sets to a higher level, it's going to make it more and more difficult for them to make a change to step into their own small business to retire early to retire period, because you're the biggest variable i found for people's ability to make changes. a career change starting a business retire is their ability to understand and control their spending. And it just kind of creeps up on you. And we're we're told that's what you need. Do remember your interest sailed constantly with messages on the TV on the internet? Every place you need, you need you need you need. Yeah. And so it's, it's something where people just need to make a conscious decision to say, Do I or don't I need and what am I doing? And time being what it is people just don't take the time don't make the time to, to go to that process. And that's, that's, that's one of the key parts. The process is helping people pin that down and, you know, $30,000 a year $2 million a year, I see people every step of the way that don't know what they're spending, and you have to help people understand that if you have any chance at all. I'll help you helping them to figure out where they want to get to that goal. So

Joe Pomeroy 21:42

I like the idea of lifestyle creep, because as soon as you said that the first thing I thought of was scope creep, or as a freelancer, it's like okay, well this is what somebody is paying for, like with the copywriting project or, you know, for you with your financial planning stuff, whatever it happens to be. And then there's this email or this phone call. Hey, just real quick, I have this quick question or with the copywriting work that I've done it's Oh, hey, can I get some alternate headlines or and it's just these little things the scope creep that starts to expand the vision of, of what was originally agreed upon. And it's, it's nothing. I don't believe I've ever worked with anybody where it's been malicious or intentional or anything like that. It's just kind of this little stuff that happens. And the next thing I know, I've invested 20 more hours than I originally had agreed to, and not for any fault of my own just because well, I guess let me rephrase. So yes, false my own because I allowed it but not because I was doing the work I originally agreed to and it just took me longer than I thought kind of thing. But that happens in other areas of life too, because I'm like, okay, so if that happens with freelance work, and that happens with lifestyle, well, that happens with the time I do or don't spend with my kids or the religion. Should I do or don't have with my wife? I mean, it's it. It went for it went from my wife and I sitting on the couch by each other watching, you know, something on Netflix to now we're sitting by each other and we've got our phones while we're watching something on Netflix. So now we're sitting on opposite sides of the couch and not you know, and it's it's not something that happened overnight. I mean, shoot, even sitting down to watch a couple hours of TV late at night isn't something that immediately took place. But it's this I mean, I don't know, maybe we can call that marriage creep. But that that sounds weird, like creepy marriages. But but that idea, that concept that when you don't have a plan, when you're not intentional about something, you can start in a solid direction and end up radically off course, if you're not if you don't have a plan. And if you're not being purposeful in the choices that you're making.

Curt Stowers 23:55

Absolutely, that's a that reminds me of my favorite quote of all time. It's from Jim Rohn. And Ron says we must all live with one or two pains, the pain of discipline or the pain of regret. And so I think that speaks very well to the concept of creep in any area of your life, you have to make a decision to be disciplined. In each one of those, those five s, you know, your faith, your family, friends, your fitness, your finance, there's not a lot I can tell people in any of these topics that they don't already have a pretty good handle on them and they know what they're supposed to be doing. It's a matter of putting those guardrails in place and making sure that people are intentional and are disciplined, because if they do, so, things are going to turn out okay, if they don't, they're not, but you're going to deal with the pain one of two ways. You either have the short term pain of discipline because it's not fun to go to the gym. It's not fun to bite your tongue. It's not fun to pass on a latte. But if you don't do those things, if you have the extra latte every day, you will deal with the pain of regret if you don't bite your tongue and deal with the pain of regret, so it's really good. discipline and intentionality. And that's why process is so important. Each one of these in the process has to start going back to, you know, what is your goal? Where are you going for it to finally want to go with it. And then it kind of falls in place. Had a had a number theory professor in college graduate level number three course on only two courses. I got B's in graduate school. Of course it's a pain in the backside and he he

Joe Pomeroy 25:24

is that a humble brag by the way, is that a little humble brag

Curt Stowers 25:26

you can call it a humble brag. How's it good as a good student, but this course my backside. He he started off the course and said, I'm here to tell you this is a very elementary course. A piece of every step that we'll do in these mathematical proofs will be careful understanding is I didn't say it is a complex process. It's Elementary. I Elementary, each individual step is very easy to understand. But it's complex. We put them all together. And I think that very much characterizes all those different paragraphs. A lot of them are pretty Elementary, as far as I could explain to people what to do at each of those dimensions. I think They can grasp it, when it comes to complex when you start trying to figure out how to put all those together, and then you get the interplay amongst each of them. So, one thing we like to do is, is kind of talk to folks about those. So we tell everybody, we're not your counsel, we're not your marriage counselor. You know, we don't, we don't do those things. fitness coach, but we've been through a through a battle or two, we've got some experience, and we're happy to talk to you about them and give you some guidance. And the reality is money, money plays a role and all those things, and you have to, you have to take control. And that's what I tell people do.

Joe Pomeroy 26:28

Absolutely. Well, I mean, I believe one of the primary reasons for divorces is finances, arguing about finances and financial conflict between couples and that eventually leads to separation and divorce. And so learn having somebody to help you with those conversations. Like say you're not a marriage counselor, not doing those aspects. But when you have a plan, when you look at things holistically, to say, hey, how do all of these things integrate, and then you find someone that's gone through those battles and Discover the process like you have, and then you can fit that together. And so now you offer constant consultations. Correct. So tell me tell our listeners, how can people get ahold of you? How can they get in touch and learn more about f5

Curt Stowers 27:14

sure want to reach out to, the best way to do that is to go to our website. It's www dot F five FP. The F is in Frank, the number five Fs and Frank P is in Paul dot com, get some some general stuff there about us. And then down in the bottom right corner of the website, there's actually a scheduling widget so you can you can sign up for for time on my calendar. Josh has calendar, totally open calendar. So where you can install this email and we're happy to talk to you. We no charge for for getting together with an additional consultation. We talked to a lot of folks and spend an hour with them and just kind of talk through what's going on, get some general idea where they're at and try and give them some general tips and guidance and that they decide they want to do something more formal. We talked about that or If they're maybe not a good fit and need some other sort of support, we we've got a whole network of other financial planners that we we work with and other resources. So it's important to us that anybody that reaches out, we get them the help they need. Hopefully, that's an opportunity for us to grow the business. I'm not gonna apologize for being a businessman. But if it's not, we want to make sure that we get them to the right place. So at five fp.com is the best place to go if you want to, you want to reach out to us.

Joe Pomeroy 28:25

I love that because it's a winning situation, no matter what, whether or not I'm ready to work with you, I'm going to be able to advance so I think that's the perfect approach. So all right, one last question to wrap up. When you look at all these f5 Is there an underlying principle with all of it, that you say, hey, if if by the time you're done listening to this, I hope you guys walk away with this underlying principle that I feel infiltrates all aspects of what we do.

Curt Stowers 28:53

I have to say that the underlying principle is one of significance. A few years ago, I got connected to a gentleman aarin walker In an organization called iron sharpens iron, and he talked about the journey from success to significance. And success is something that we talk about as a society a lot. And I think it's quantitative, and it's the big house. It's the big boat. It's the family. It's the humble brags, if you will. But at the end of the day, it's not about success. It's about significance. And significance is about making impact on others. So the underpinning to everything we're trying to do is that significant message, that's what we talk about freedom and significance, financial freedom, to pursue the personal significance. So if I were to encourage anybody to think of anything, it's significant, what impact Are you making on others? If you focus on that things will fall into place. And I think there there's some pretty good background and faith in that concept of significance making impacts on others that underpins that too.

Curt Stowers 29:50

I love that one thought I had, as you're talking about having an impact on others. I don't need to wait to get to a certain point to start having impact I can have impact on A compliment that I give my spouse or praise that I offer my children or a kindness that I give to someone that I run into at the store or the gym or a lot, you know, letting somebody merge on the freeway, there's so many small ways that we can have impact. And as we become more and more intentional, that leads to an overarching large scale impact that we can have. Let's not wait for that large impact. Let's start it today. And as we continue to build that impact, then we can magnify and enhance our significance or powerful thought I really appreciate being able to finish up with that. So thank you, Curt so much for your time. Everybody go check out Curt Stowers at F five f p.com. That's F is in Frank bought the number five. F is in Frank. He is in Paul f5. And thanks so much for your time. I sure appreciate it.

Curt Stowers 30:50

your welcome, had a good time here today with you Joe. Have a great day.

Joe Pomeroy 30:58

Thank you for joining On today's episode, if you found the information helpful, remember to share it with your friends and family. And make sure to subscribe on Apple podcast or your favorite podcast player. You can find more episodes at forward with Joe calm. Thank you and we'll see you next time.