Podcast Ep. 20: My Story
Invest In Your Life Podcast
Episode 20: My Story
Someone told me this week that I have a good story, so I decided to share it here. Over the last 15 to 20 years, I've gone through some massive life changes (for the better). Each time, it took some courage and hard work to "level-up", but eventually, the wins started to build on themselves.
I'm not trying to be braggadocious here -- rather, I'd like to show what it really looks like to level-up in life and how much positive change is really possible.
00:04 Welcome to the Invest In Your Life Podcast, the show where we explore the connection between personal growth and personal finance. My name is Patrick King, and in each episode we'll talk about what you can do to live a life that's truly rich. Don't take this the wrong way, but I am not giving you advice. I only give advice to clients who have hired me to be their fiduciary financial advisor. If you're not one of those folks, then just consider this to be helpful tips and information and be sure to consult with your financial advisor, your attorney, your CPA, your which doctor or your mom before you try this at home.
01:01 Welcome to the show, everybody. I've got a good episode for you today. I want to share my story with you. How the heck did I wind up doing this? This week, I met with someone and they told me that my story was a good one. So, I thought maybe I'd share it here. Whether it's good or not, I'll leave that up to you to decide. But as they say, offered without comment. I'm certainly proud of my journey, but before I get into that, I want to tell you about The No Bullshit Guide to Investing, you know, I'm often approached by young people who maybe aren't ready to work with a fee-only financial planner like me and they still need help with their investments. How the heck do you get started? There's so much misinformation out there – so much in the media where they have an incentive to get you to do things based on their advertisers or wherever their income's coming from.
02:06 And so I created an online course, The No Bullshit Guide to Investing, to help those folks, so that one day, you're going to build wealth and it might make sense to work with a high-end, fee-only financial planner like myself. So, there's over an hour and a half of video content. There are downloadable guides to help you get set up in an investment strategy that's made for the long-term. So, go to www.investinyourlifepodcast.com, click on the resources section and there you'll find The No Bullshit Guide to Investing for a limited time. I'm giving it away to podcast listeners for free. So, when you get to checkout, enter the promo code, TELL2, and it's free for you. And all I ask is that you give me candid feedback. This is my first online course and there may legitimately be bullshit in there that I need to get rid of. So, give me candid feedback and tell two people about the podcast. That's all I ask. And for that it's free for podcast listeners. That's it. Go to www.investinyourlifepodcast.com, head over to the resources section and check it out today. Happy investing. So, let's get started with the show.
03:37 All right. My gratitude. Gratitude for today is something called The Exchange Forum. So the Exchange Form is a group of men here in Atlanta that are both good men and are on a growth path and I’ve started going to the weekly coffee meetings here and just really enjoyed meeting some amazing men in Atlanta that are business owners and artists and that are really bringing amazing things to the world. So, the Exchange Forum, I'm going to read their description of what it is: “The Exchange is an exclusive community of entrepreneurs, authors, artists, entertainers, explorers and adventure seekers, sharing experiences, stories, ideas, and inspiration. We believe that things as they are, are NOT good enough.” So, check them out at www.theexchangeforum.com. That's www.theexchangeforum.com. If you're in Atlanta, come meet us Friday mornings from 8:00 AM to 9:00 AM at a Brash Coffee at the Atlanta History Center. It's a good group. Hope to see you there. So very grateful for them. And that's gratitude for today.
05:00 Okay, the topic of the day today. I want to share my story. I got feedback this week that it was a good one. And it may be, and I want to share it with you here. And you know, my motivation isn't being isn't to be braggadocious, you know, although I'm very, very proud of the life that I've built. But I do feel like it might be a good example of how much change for the good for positive is really possible in somebody’s life. I feel like I've covered a lot of ground in the time that I've really kicked my life into gear. So, you know, I often think back to high school. I remember that there was this cute girl that I was cuckoo for cocoa puffs over and she used to always say that people never really change. And, first of all, I thought, hey man, at looking back, that's something really funny for like a 16, 17 year-old kid to say, right?
06:03 Like we had wisdom or anything back then. And then also I realized that it may have actually, you know, set me up subconsciously to be predisposed to change in my life. You know, there's nothing that will motivate a young man greater than the rejection of a cute girl. Right? So, I always think back to that. And then this week something came up too, which is, which motivated me to share my story. In my personal coaching call – I'm in a personal coaching group with some other men – my coach said we celebrate the outcomes, but we rarely celebrate the process in our culture. We celebrate the outcomes, but we rarely celebrate the process. So, we look at those business leaders and athletes and creators at the top of their game, and we celebrate them for what they create. But we never celebrate the fact that they had to learn that they had to grind, that they went through years and years of trials and effort to get to the point where they were the top creators, top business minds in the world.
07:18 So true. And yeah, I kind of feel like a lot of my story seems like it might be an overnight change, but it's a story that's been decades in the making now. Decades. So, I'm often approached by people who are trying to get into the fee-only financial planning industry, this space, you know, often at their career changers like I was. And when I meet with them and I always meet with them because you know, I was in their shoes. I sat down and took people to lunch all the time and asked them about what they thought about their career. And as I remember taking someone to lunch who was a fee-only financial planner, and after that launch, I knew, I just knew that this was the thing for me. So, I always try to pay that forward. But it's really funny that when I sit down with these folks, they often say that, man, you are living the dream.
08:14 You work for yourself. You call your own hours. You know, you can work remotely from anywhere in the United States or even the world you're working with the clients that you want to work with. And that's absolutely true. And it really is. I can't believe I'm doing this and playing my own game while I'm doing it, but it's been something that I've been working towards for the last 15, 20 years. So, it may just seem like I started out and over the last two years and in to create this business where I do this, but now it's been something that I've worked very hard to do, very hard to create and it's been an evolution over that amount of time or evolution, however you want to pronounce it. And, um, I just got on a sidetrack, like how do you pronounce that anyway?
09:10 Yeah, over the last 15, 20 years, there are four real massive life changes that I've gone through. And the obvious one is the career change. And that's the one that I think I have the funniest story where I was a mechanical engineer for a long time. Actually, my undergraduate degree is in mechanical engineering and I did product design. And every company that I worked for was either going out of business or, or offshoring, all of the design work to China and India. I actually had a Chinese visa to go to Shanghai and train all of our replacements at one of these companies. So, the writing was on the wall for a long time. Finally, I realized I've got to do something to break out of this and move up the value chain in some way. So, I went back to night school, MBA school at Georgia State where at that point I started interviewing folks, seeing what they wanted to do, what they were doing with their lives, if they enjoyed their careers, to get an idea of what options were available to me.
10:19 And right around the same time I was working with a quote/unquote “financial advisor”. This was somebody that worked at the bank that my then father-in-law was the, was the chief executive at – or a c-level executive, let's say. And so I was introduced to this person and they, you know, they put me in investments where they made big commissions and it took time for me to get out of them. Just assuming that because of the introduction I would get someone's best efforts. Well, not true, not true. They don't even treat their family great, if that makes any sense. So, I was furious. I was furious. And so right around the same time I took a fee-only financial planner to lunch, talked about it and I thought, heck, if this guy at the bank can make a good living and have a nice office where it's air conditioning, where a lot of my jobs as an engineer, I didn't have air conditioning.
11:17 Right? Like, imagine what someone who cares and who does the right thing could do. So, yeah. Yeah. I started down that path. This was kind of after a moment of clarity, let's just say, where I was at a packaging company in Watertown, Wisconsin. It was second shift and we were trying to get this machine up and running for first shift and I was underneath the machine with a face shield and a bench grinder, grinding away at a conveyor belt. There were a little barbs on each bolt of the conveyor belt that was maybe 40, 50 yards long and I was grinding bolt by bolt away and laying in a pool of dried soda. I looked out at the engineer who was there with me to assist on the job, squarely in his mid-fifties and I thought to myself, if I'm doing this crap while I'm in my mid-fifties that's not good.
12:14 That's not good for me. So, we finally got the machine running barely in time for us to make our flight home. Didn't even shower, literally walked through the Milwaukee Airport with covered in grease, you know, getting looks from everyone, like what the heck happened to this guy? Sat down on the plane and just had just had me a little moment of clarity there. So once I got home, I signed up to go back to the MBA program at that point and then got a master's on top of that and financial planning. So that is how I changed careers. And of course, over that three, three and a half years, towards the end I got an internship with one of the first fee-only planners here in Atlanta. Learned the trade from him and then moved on from there. So that's kind of how I broke into this industry.
13:03 Not your traditional path. I've never made a commission off of selling a financial product, which is rare, but yeah, it all comes down to sometimes these moments of clarity. So, you know, that's changing careers. I've also changed my life for the better massively in the health arena. And this came after the career change a little bit. I realized that man, I was really kind of pudgy and soft around the middle. I am a little bit right now, but it's not nearly what I used to be. And just thinking about the future, I decided to try this whole, you know, Paleo eating thing back when it was Paleo and not Keto or whatever it is, the low carb deal. I was really able to drop a ton of weight, got super healthy, got a lot of mental clarity came along with eating right too, which was, which can't be understated.
14:02 So, that would be the second big life change, being able to shift my health in a way, in a meaningful way. It's not, that was not easy. I was hungry a lot and coming down off the caffeine initially was brutal, but I did it and I was able to sustain a lot of those changes over the years. The third of the four areas that I was able to massively change my life was in my relating skills. So, one day I woke up, I was in a toxic relationship and I woke up and I said, man, this just doesn't feel very good at all. So, I went back, I got help. I worked really hard on my relationship skills, not only with others but with myself. So, I was able to leave that toxic relationship and form good relationships going forward.
14:59 It gave me a great framework to not only go easy on myself, to be gentle on myself with the negative self-talk, you know, that we all have, but also able to show up in a positive way with all of my other relationships. So, I’m not sure how to go into that one, but man, it was a massive change in and really allowed me to step up in life quite a bit. And finally, the fourth way that I've changed my life was starting a business where I worked for myself, getting out of the mentality of waiting for someone to give me a raise or asking for a raise or depending on someone else to make things happen for me that I want to happen professionally and financially. So, it was a massive, massive upgrade for me to start my own business.
15:56 It took a lot of bravery and frankly I would not have been able to do all of that had I not gone through those other three massive life changes along the way. Everything built up. So again, not trying to be braggadocious about this, I just want to be, I just want to put this out as an example of I've tried to walk the talk so to speak, and when I talk to folks and I'm talking to you about investing in your life, it may take some time, it may take some effort, but certainly there are going to be dividends along the way that really pay off. And so, you know, I've still got plenty, plenty of room to grow, no doubt my business, my business is doing well, but I want it to do much better. I want to be able to serve more people.
16:44 I want to improve my relating skills. I want to improve my health, still. But thinking back to where I was 15, 20 years ago, I couldn't have ever dreamed that I could have come this far, much less in a time that you know, I know it was a long time, but it seems like it kind of snowballed after a while. So, my point is that if you're out there and there's something in your life that's upsetting you, it's not quite what you want it to be, that's dissatisfying. That's got you a little uncomfortable. Maybe now's a good time to just lean into that a little bit and you don't have to burn it all down, right? But just lean into what does that, what does that one thing that's going to be able to shift you in that right direction? Because taking that first step, whether it's changing careers or fixing your health or improving your relating skills, that's going to set you up for the next thing and is if you just be brave enough to lean in to that one life change, the next one's going to be a lot easier.
17:56 It's going to seem scary, right? But one thing I want to show you, for those of you that are watching on YouTube and, and tell you about, for those of you that are listening, there was a day, and this was the day that I left that toxic relationship, which took a lot of courage on my part. I have to say it was a tough day. But, I went to the coffee shop that one morning and got my brevé latte. If y'all know what a brevé latte is, it's a latte with half and half. So, all the fats. But they gave me this sleeve that was on the coffee cup and it has a quote and I'm going to read it to you. The quote is, “The only courage you ever need is the courage to live the life you want.” And the quote is from Oprah and it was back when she had that co-branded line of tea with Starbucks. I don't know if you remember that, back in 2014. But I remember seeing that. I'm like, that's true. That is truth right there. The only courage you ever need is the courage to live the life you want, not the life that everyone else wants for you, but the life that you want. And so that's what I got for you today. You know, this stuff, this change, takes effort and it takes courage, but all it requires is that you'd be brave enough to take that first step.
19:29 All right, that's it. That's my story. I hope you enjoyed it. And uh, if you've got questions, you know how to get in touch with me, email@example.com. And yeah, topic of the day today.
19:48 All right, that was some heavy stuff, but it's time for Pura Vida today. And my Pura Vida is a special one today for me. On Wednesday – this coming Wednesday for me – I'm going to go see Earth Wind and Fire at the Chastain Amphitheater here in Atlanta. And you might be thinking, “Earth Wind and Fire”? But it's special for me because growing up we had a car with an eight-track player in it and we had precisely one eight track and that one eight-track was Earth Wind and Fire’s “I Am”. And so, I've got Earth Wind and Fire in my musical DNA. We listened to that every day we went to St Anne's Elementary School in Rock Hill, South Carolina. So I'm so pumped that I'm able to see them live this coming week. Yeah. And oh – one more thing. You know their song, “September”, right? You know, “Do you remember?...” This is not good. I'm singing. But the 21st of September is my birthday, so I've always felt a special connection to that song, so that's my Pura Vida.
20:58 Okay, folks, that is the episode today. Thank you. Thank you so much for watching and listening. If you've got questions, email me, firstname.lastname@example.org. Check out my website, www.investinyourlifepodcast.com and look at the free resources section. Check out The No Bullshit Guide to Investing. Again, it's free for podcast listeners if you use the promo code, TELL2. And all I ask is that you tell two people about the podcast and give me feedback on that course too, by the way. Love that. And that's it. That's the show for today. Thank you so much for listening. And until next time, cheers. Thank you for joining me today. To find out more and get access to my free financial resources visit, invest in your life, podcast.com the thoughts and opinions expressed here are my own and or for general information only. They are not intended to be recommendations or specific advice for anybody. I'm not a doctor or a licensed therapist. So please consult with your healthcare provider if you have any issues regarding your physical or mental health. Any investment performance. This referenced here is historical and of course has no guarantee of future results. Last but not least, the Easter bunny isn't real.