[00:00:06] Speaker A: Welcome to From Caving in to Crushing it, the podcast for those who find themselves immersed in adversity and choose to write their story instead of having others write it for them. I'm Drew Durany, and I'm your host. Today's guest is Dwight Heck. Give a Heck Financial was founded by Dwight Heck, who started his lifestyle financial planning business 21 years ago while living paycheck to paycheck as a single dad of five children. Like many of us, Dwight didn't understand the rules of the money game. Using strategies he learned to help himself with his mental roadblocks, he turned his life around and now teaches others to do the same, which is how to live life on purpose and not by accident. Enjoy the show. Dwight, good to see you.
[00:00:59] Speaker B: Fantastic to see you, brother Drew, thanks for having me on, brother.
[00:01:03] Speaker A: Oh, it's my pleasure. And thank you for coming on. I always like to thank the individual with whom or who thought of introducing us. And I have a spreadsheet, and I'm looking here, and it was Ryan Dunphy. So I have to thank Ryan Dunfree for the introduction. Thank you, Ryan. There's always a reason why somebody thinks somebody else and they need to know each other. And I'm grateful that Ryan thought of us.
[00:01:29] Speaker B: He's a great man. He is a great man.
[00:01:31] Speaker A: He is a great guy. So, Dwight, in life, we're often taught that life is linear. And it's not a malicious teaching from the people around us, but by the age of seven or ten, we're basically told, if you do A plus B plus C plus D is going to happen, everything's going to be fine. And that's the way life is. And that, you know, people want that to happen for us. And for a time, it is linear until at a certain point in life, something happens that kind of takes us off course and we start to lead that circuitous life. And that can be a good thing because many times we're living a life that we believe other people want us to live rather than leaving the living the life that we want to live. So, you know, with a growth mindset, we welcome these adversities. But there are three, in my mind, three types of men out there.
There's a man out there, man number one, I call him, who has a lot of blind spots in life and just follows the linear path and doesn't pay attention to anything that could better his life. And he just lives life unfulfilled until he dies. And there are men like that. Then I believe there's man number two. Who has a higher level of self awareness and notices the adversity, yet his mindset is one of a victim mindset that, well, this is happening to me, you know, I'm to blame or somebody else is to blame. I'm just going to live life the way it is just because that's life.
Then there's man number three.
And that's the man I have on this show. And I consider you man number three. And man number three has a much higher level of self awareness and is working on having a more of a growth mindset than a fixed mindset. And what I mean by that is man number three knows there's adversity, sees it every day.
And there are times he says, you know what? This adverse, this challenge, this is an opportunity. This isn't a barrier. This is an opportunity life is providing me so I can become a stronger human being. What can I do differently to take advantage of this opportunity?
And for the better part of my adult life, I've been man number one and man number two, and it's only been in the last five or so years that I've been really conscious of looking for things so I can become man number three.
I would love for you to reach back as far as you have to go to really isolate that defining moment, Dwight, where you are man number three. And you realize, you know what, there's a better way to live. This is an opportunity to better myself. Let me do something differently and not see myself as the victim. Can you think of something that began your transformation into who you are now that you'd love to share with the audience?
[00:04:21] Speaker B: Sure.
For me, it would probably dials all the way back to when I started into personal development back in around 1993. I was newly married, had kids, you know, just running a business, but feeling completely helpless, giving that facade to people that I knew what I was talking about. Did I? Yes, some. Some things I did. The rest was just BS because I had a lack of confidence in myself. I had a lack of belief. I had that, you know, like you said, things happen. That mentality of things are happening to me instead of for me. And, and I was just. I was on a hamster wheel. I was living in the valley of despair, putting on a brave face and telling people that I was. Was great. And I had met a mentor. I originally worked for him before I decided to go back to school. And he would always encourage me to do different things. And he suggested when I worked for him that I was too good for what I was doing without Going back to school, learning more to elevate myself. And he encouraged me to go into electronics engineering at a technical school in my, in my city of Edmonton in Canada here.
And I work for him and he always encouraged me and we drifted apart. After I graduated school I decided not to go back to work for him because I realized that wasn't what I wanted. I, I one of those rare moments that my in my 20s where I stuck up for myself and didn't get manipulated or bullied by people and people don't intentionally bully us, but it happens, right? And I made a decision to go and work for a different company. But I also missed that camaraderie with him and that mentorship because he was quite a bit older than me, still alive. We're still, we still communicate. We've been friends now for over 30 plus years. And he mentored me in many different stages of my life. Well the first stage of mentorship was working for him, encouraging me to do more. Second stage of mentorship in 93 he called me up and said hey, come to my office and you know, I want you to do this personal development with me. I want you to check out this mlm. And this MLM that I joined was back then was Amway. Right?
[00:06:36] Speaker A: Okay.
[00:06:36] Speaker B: Yeah.
And it wasn't the fact that I wanted to sell soap, but I was yearning and looking for something. And he encouraged me to start coming to some of their, their functions. Right. They had a monthly. And he handed me three books, right. He handed me obviously the most famous, handed me Napoleon Hill. He handled me, handed me Dale Carnegie.
[00:07:00] Speaker A: Right.
[00:07:00] Speaker B: How to how to win friends and influence People. He handed me the magic of thinking big.
Dr. Schwartz, I think it is.
[00:07:09] Speaker A: Yeah.
[00:07:10] Speaker B: But you know, so he handed me these books and he challenged me. And he also handed me yes, for those listening this is, are watching or whatever this is kind of dates me. But he had to be some cassette tapes.
[00:07:22] Speaker A: Yeah.
[00:07:25] Speaker B: Listen to these cassette tapes and if you like them, we'll talk further. Well, the next thing I know I'm on this personal development journey. I'm going to these function. I'm starting to feel good about myself. I'm finding that I'm having some self worth about myself. Wow. And I all of a sudden I started seeing my associations change. Some of the negative people I was hanging out with her why are you doing that stuff? What do you need to do that for? They all, they focused on the negative aspect of the, the mlm.
[00:07:53] Speaker A: Of course they did.
[00:07:54] Speaker B: They didn't focus on the positive part. Of it. Which was.
What was it? Well, personal development. A lot of these MLMs, they work on your six inches between your ears, and they absolutely develop.
Yeah. So I go to these functions. I was reading these books. Next thing I know, I'm signed up to the book club and I. Getting a book a month. Right. You sign up and it gets shipped to you. Signed up to the tape club. I'm getting two tapes a week. Right. Literally, I'm just plugging tapes, I'm reading books.
[00:08:24] Speaker A: Yeah.
[00:08:24] Speaker B: I'm attending these functions and I'm gaining more confidence in myself.
And did it make a difference? Absolutely it did. It made a difference, but it also. What, what does that do, though? It also opens a lot of holes in your boat. A lot of gaps between the seams here in your life that you don't realize that are there. Magnified.
[00:08:45] Speaker A: Absolutely.
[00:08:46] Speaker B: And it's an emotional thing where all of a sudden you're having to deal with things that you've never thought about before. Absolutely. Pushed them down so often.
[00:08:54] Speaker A: That's true.
[00:08:54] Speaker B: So, yeah, that would be the first where it all started. There's a lot more details in that. But, you know, along with that journey, that man helped me as well get into where I'm in now, in the finance industry and left the computer industry way back then.
[00:09:08] Speaker A: Yeah.
[00:09:08] Speaker B: But yeah, having a good mentor and personal development, that started 30, well, 31 years ago now.
[00:09:15] Speaker A: Wow. So. So in your, in your journey, Dwight, when you started gaining that confidence, how did that change some of the, Some of the decisions you made in life from having those, those. Those better. That better feeling about yourself?
[00:09:32] Speaker B: Well, changed a lot of my decisions. Good and bad. Yeah, I was listening. Don't think personal development's bad, but when it changes your associations and changes how you think, it changes how you.
Your critical thinking process. It also affected my relationships closest to me, including my marriage.
[00:09:52] Speaker A: Okay.
[00:09:53] Speaker B: It made it magnified, made things even worse. But on the flip side, it made things even better. And I was attracting different people into my life. On the business realm with my. With my computer consulting business and retail business that we had, I was attracting a different level of. Of person, like CEOs or, you know, somebody that's running a business. I was more attractive to them or they were more attractive to me. Maybe we were able to communicate. Well, not even. Maybe we were able to communicate at a different level because now my thoughts weren't linear. They were always expansive. And when I heard something, I was thinking critically, different about it and learning how to respond differently because of the things That I was reading the speakers I was here hearing. Speaking like one of the most best speakers I ever heard in my life. Wasn't even during that time. It was back in the 2000s was Blair Singer. Blair Singer, a famous American. Anybody that you research. That guy. Right. He. He. I went to some of his conferences and broke an arrow. My. You know, held an arrow here, where you break an arrow. And I did different things that strengthen my resolve that I was better and stronger and greater than society or the learned patterns of my life had applied on me. But again, what. What it did back then, though, is it affected my relationships and what I'm being my marriage to a point where I had a hard time being in the same room with her because she was so negative. Right after that. I accepted it in the past, but now my brains, my thoughts, my emotions, my soul is growing, so I can't. It literally hurt my marriage destroyed a bunch of friendships in a good way. It made me.
[00:11:36] Speaker A: It happens.
[00:11:37] Speaker B: Get other friendships.
[00:11:39] Speaker A: Absolutely. Yeah. Yeah. And at that time. At the time it's happening with the marriage, it's challenging to have it feel as beneficial as it truly will be because I'm divorced, too. And. Yeah, I was. I. And what I think a lot of it was, like you said in. In marriages that don't work that ended up breaking up, one individual is involved in personal development and the other might not be. Or if they both are, they learn something where they end up growing apart. And it makes it more challenging. But in the end, it's beneficial because you end up being more of who you truly are rather than the masks that we tend to wear.
[00:12:23] Speaker B: Well, I got through it easier too, brother. Like when we. When we decided. When I decided to leave because I was the one that couldn't take it anymore. Decidedly. We tried counseling numerous times.
[00:12:34] Speaker A: Yeah.
[00:12:34] Speaker B: And the counsel. And realizing I'm going through this personal development phase and the counselors are telling her he's normal.
Unfortunately, you have this to deal with. And we tried three different counseling situations over about a year.
[00:12:48] Speaker A: Yeah.
[00:12:49] Speaker B: And it just did not work. But when we did finally separate and I left, it wasn't just personal development. I'm a Christian. Right. I'm a practicing Christian. It was God. God. Along with. Because a lot of the things I was reading are things that I was taught as a child that come from the Bible. Some of the most best personal development stuff is in the Bible. For me.
[00:13:10] Speaker A: It's true.
[00:13:11] Speaker B: Right.
[00:13:11] Speaker A: For me, it is, too. Yes. I agree.
[00:13:13] Speaker B: So a lot of these people that write Tony Robbins you know, Carnegie, you know, Swartz, all these different people that write, they. You can find so much truth and root in, in. In something that's thousands of years old.
I dealt with a lot of this stuff because personal development was there for me. But personal development made my mind clear up and realized that I needed to embrace gratitude and gratefulness through prayer.
[00:13:41] Speaker A: Yes.
[00:13:42] Speaker B: Right. So all of this helped me be able to get through my divorce. Did I cry lots? Absolutely.
Absolutely. Because you watch all this stuff, you develop and you know, you have kids, five kids involved and it's tough. Right. So at the end of the day, thank goodness for personal development.
[00:14:01] Speaker A: Yes, I agree. And you know, personal development and growth, it's. It's not just what you learn through personal development, but what you do with it. Right. We need to. And in order to adapt and evolve, we've got to change something. And just reading doesn't always help. You got to apply what you learned. That's going to help you grow. And, and I. Yes, absolutely. Very, very impactful. So coming to where you are now, Dwight, professionally, what are you doing professionally that's helping others?
[00:14:32] Speaker B: Well, for. I've been basically 21 years ago, I started, I got into the finance industry. I was enticed by that same mentor that helped me go to electronics engineering to get into the finance industry. And he says, you know, you're not happy, you're working too much, your health's failing and your life is a financial wreck. I remember the conversation with him and by this time he had moved out of my city, moved to Vancouver on the, on the BC Coast. Right. Pacific coast for those from the US Right above California. And he was living in Vancouver. And he reached out to me and says, I'm going to send somebody to talk to you and you need, you'd be great to do this, to change into a new career. But first off, we're going to help you because your life's kind of a wreck. Yeah, right. And he didn't mean mentally, financially, Financially.
[00:15:23] Speaker A: Yeah.
[00:15:23] Speaker B: I was going through so much stuff. He already knew I was on the, on the personal development growth. It was already just about 10 years because it was 2002. And he reached out to me and I got into the finance industry to be able to better people's lives instead of them being a transaction be. I wanted it to be relationship.
[00:15:40] Speaker A: Relationship. Yeah.
[00:15:41] Speaker B: I wanted to be holistic, have conversation, find out what their monsters are, what their mental monsters or what was stopping in between their six inches from financially having a better life or getting back in Shape with their finances and falling back into that money pit again because they have no stick to it. I've ness. That's been taught to them. So I spent the last 21 years doing that well. And then during the pandemic, as you know, all of us, you know, kind of our lives are put on hold. Nobody wanted to do financial planning, nobody wanted to talk. Everybody was living a life of fear.
[00:16:14] Speaker A: Right.
[00:16:15] Speaker B: Another man, another mentor of mine reached out to me.
[00:16:17] Speaker A: Yeah.
[00:16:18] Speaker B: And said, hey, where are you going to be after the pandemic, Dwight? Are you going to be like everybody else? There's a mastermind that I belong to with him that he runs.
[00:16:25] Speaker A: Yeah.
[00:16:26] Speaker B: And he's telling us, where are you guys going to be? Where are you going to be six, eight months from now? What happens to this last years? Are you going to come. Are you going to come out of the other side of it knowing you've grown, that you stretched your vision, that you've took, taken this time and, and not been camped and climbed and it, man, it was profound and within, within literally days. I created my Give a Heck brand in 2000.
[00:16:50] Speaker A: I love it.
[00:16:51] Speaker B: And it's, and it's a subsidiary of my, of my finance business. Right. Obviously of my incorporated business because it has a lot of value for me and for others around me. So I, I spent the last few years since 2000 creating this brand, Give a Heck how to live life on purpose, not by accident. And that phrase, I use that throughout my whole financial career.
[00:17:13] Speaker A: Love it.
[00:17:13] Speaker B: I heard right back to when I first started. Right how. And it was I heard somebody say something, not those exact words. And I was just sitting there and it was one of those for you moments. Light bulb moment.
[00:17:25] Speaker A: Yeah, I love that.
[00:17:27] Speaker B: You know what? I want to start saying this. How to live life on purpose, not by accident. And I used it within my own business. I'd say that I just say it randomly to clients.
I've been doing workshops in front of people or virtually and saying it. And when I created the brand, I thought that's going to be my moniker, that's going to be my statement and how I influence people's lives. So that's all I do now is focus on that phrase of which is based on my last name, Give a heck and am. I tell people I do this and I help them with their lives emotionally. I coach them lifestyle wise. Then it focuses on their numbers. I put a, put a road map, financial roadmap, life roadmap together with them and Give a Heck is to make sure that it's more attractive. The brand is going to be more attractive so that people want that kind of help.
[00:18:21] Speaker A: Right. Absolutely.
[00:18:22] Speaker B: Don't have to sit stagnant, that somebody actually gives a heck about them. Right.
[00:18:26] Speaker A: I love that.
[00:18:27] Speaker B: It's that call to action with three little words.
[00:18:31] Speaker A: Yes. It is a. It is a call to action with three.
[00:18:33] Speaker B: Yeah.
[00:18:34] Speaker A: They give a heck. I love it, Dwight. I love it. So, absolutely.
Your evil. 30 years of professional development, you were doing it when a lot of us didn't even know what that meant. So thank goodness you had a mentor who could guide you to that. And that. That's a great piece of advice is. Is to find yourself a mentor who's been through the fire, who's gone through it to help guide you. Too often we ask the wrong people for advice. We ask people for advice who haven't gone through it and who aren't experts in it.
[00:19:07] Speaker B: And I think we don't ask the right questions either.
[00:19:09] Speaker A: That's a good point. That's a good point.
[00:19:11] Speaker B: The right question.
[00:19:12] Speaker A: Yeah.
[00:19:12] Speaker B: Yeah. It's tough because we can ask the right person.
[00:19:16] Speaker A: Yeah.
[00:19:16] Speaker B: The wrong question. Or we can ask. We can ask the right question to the right. You know what I mean? It works both ways.
[00:19:23] Speaker A: Yes. Yes.
[00:19:23] Speaker B: And we don't. We're never trained how to get what we want. And the person can't be a mind reader.
[00:19:29] Speaker A: No.
[00:19:29] Speaker B: So we need to develop. We need to have mentorship or talk to people.
[00:19:34] Speaker A: Yeah.
[00:19:35] Speaker B: The first thing I tell people when you're talking to a mentor, when you're just meeting somebody, don't even know if they're going to coach or mentor you. How do they make you feel when they talk to you?
[00:19:43] Speaker A: Yep. Absolutely.
[00:19:45] Speaker B: Understand your body triggers. Right.
[00:19:48] Speaker A: That's important. That's important. There have been many times where people, you know, you're with somebody and it doesn't feel right and you stick with it, but. Right. You're. What'd you call it?
[00:19:56] Speaker B: Your body triggers. My body triggers. My body triggers. Right. I. I have to. Because I suffer from anxiety and have for many years panic attacks over my lifetime.
[00:20:09] Speaker A: Yeah. I've had.
[00:20:10] Speaker B: The more I understand this.
[00:20:13] Speaker A: Yeah.
[00:20:13] Speaker B: The more I understand my 6 inches between my ears. So I understand my heart, my mind. Right. And understand that every feeling I'm having doesn't make me bad, doesn't necessarily make me good. I have to look at the feeling. I have to embrace the feeling. And what can I learn from that feeling?
[00:20:33] Speaker A: Yep.
[00:20:33] Speaker B: And does it serve me or does it hurt me? And then I apply that to People.
[00:20:38] Speaker A: Yeah.
[00:20:39] Speaker B: Is what that person said, does it serve me or does it hurt me? And I have a, I have a, I have a formula that I coach and teach people called the 7030 principle. I live my life by that now. This is now my six year living by the 7030 principle. And it helps me understand everything about my body, triggers my mind, what I'm hearing, how I feel, am I leaning forward, am I crossing my arms, am I stepping a certain way? And, and people, you might be thinking that's a lot of work. Guess what? Life shouldn't be. It can't be handed to you on a platter. Are you willing live that linear, boring life? It takes effort.
[00:21:14] Speaker A: It takes, it does take effort. Yep. And I think that's a lot of reasons why people are falling into the, the linear life is either they're not willing or they don't know how to do the work or they're scared. Right. Fear. Fear takes a hold of a lot of us. Well, Dwight, I know the audience has captured the essence of Dwight Heck and I thank you for sharing and being vulnerable. Hey audience, you need to get in touch with Dwight. Go to his website, giveaheck.com you can schedule a free video call with him. 45 minutes to 60 minutes could be even longer. But really just a video call, just, just to talk, to get to know each other and you never know where something's gonna go. And please take that step of reaching out to Dwight in the show notes. I'll be giving him his LinkedIn profile and also the link to giveaheck.com book some time with him. Very well worth it.
So Dwight, two questions for you. All right, so you have the opportunity to sit down with young 7 to 10 year old Dwight and you want to give him advice about life. What are you going to tell him?
[00:22:20] Speaker B: Well, that my 7 to 10 year old self, I would tell them it's okay to be unique. And here's why I would say that to myself even though as we've discussed, 7 to 10 year old me wouldn't have listened. But I would love to get across the fact that, that it's okay to be unique. And to explain this to your listeners. The reason I say that as a kid at that age I had severe asthma, I had severe allergies, I was bullied and picked on because of it. Back then they didn't have rescue inhalers so there was nothing for me to take when I was having an asthma attack. Right, right. So I got attacked a lot, I got bullied a lot. And I always was trying to be like the rest of the kids. So I do things that would make my health worse because they, I was, I was reflecting the fact that I want to be that boy. Yeah, I want to be that guy.
[00:23:16] Speaker A: Yeah.
[00:23:16] Speaker B: I want to be able to, I want to that person. So then I'd go and do things that I shouldn't do. That I knew by a medical profession that I shouldn't do it. The doctor would say, don't do it. Then I'd get sick and then I'd get teased and bugged and it was a professional going, it wouldn't stop. But if I had was able to know that it's okay to be unique. Yes, God has a plan for me. Asthma, allergies, whatever the case, may be sickly kid says, I was sick all the time because of it. It's okay.
You shine in your own way. Here's some great gifts about you. You got a great smile, you got a good sense of humor. You're very personable to talk to people. At 7, I remember my 7 year old.
[00:23:56] Speaker A: I believe it, right.
[00:23:57] Speaker B: Adults loved hanging out with me because I was, I was, I had like a dry sense of humor that I was learning from my father. Right.
You know what I mean?
[00:24:06] Speaker A: Yeah.
[00:24:07] Speaker B: That's the message. I tell myself I love. You don't need to be that kid. That's the jock or the, or the kid that's the brain. You don't need to be the person that pleases everybody. Please yourself and you'll please others around you naturally. So it's okay to be unique. Would be a message to my young person. Obviously I'd have to explain it in detail.
[00:24:26] Speaker A: Yeah, that's okay. And yeah, I'm hoping there are adults out there who'll take your advice. So it's okay to be unique, folks. All right, Dwight, different hat. You're sitting down with young Dwight, the young businessman, young entrepreneur, and you want to give him advice about business. What are you going to tell him?
[00:24:42] Speaker B: Well, my first response would be, whenever I do business coaching and talk to a young person, understand your numbers. But really at the core of it, it's not even about understanding your numbers. Here's what I would tell my young business self. Now, more than understand your numbers of your ins and outs and cash flow and your money and rules of the money game, I would tell my young self, learn to listen more than you talk. Because when you're a young business person, you're dealing with people that are older than you that are sitting on a Pedestal, whether they want to admit it or not. And they believe they know more than you because of your age, because of not just your. Your body age, but your age of length in business. And you need to learn. And when you listen more to somebody, they think you're the greatest. Because I get, I used to get that. I, as I started practicing that going in my late 20s, into the 30s, all of a sudden I get 50, 60 year olds going, you know what? I love talking to you. You know, we always have such great conversations. And I'd reflect on it, and I talked maybe 20% and they talked 80%.
[00:25:50] Speaker A: They're talking 80%.
[00:25:51] Speaker B: What. What was the secret? I listened.
[00:25:54] Speaker A: Yeah.
[00:25:55] Speaker B: I understood what I needed to reflect in my body language. And when I did respond, it was short, concise, and my tonality was one of. Well, that's. That's amazing. That's amazing that you say that, Drew.
[00:26:07] Speaker A: Yeah.
[00:26:07] Speaker B: Oh, that's. That's so good. I really thank you for sharing that. Shut up. Let them talk some more. Some of the best relationships I created were because I decided it was time to listen more than talk.
[00:26:20] Speaker A: There's a reason why we have two ears and one mouth. Right?
[00:26:24] Speaker B: That's advice I'd give my. Give a young, My young business self is, you know, but actually dial that back. Coming right out of. Out of like going from high school into college. Right. Even then I would have got. Had a better time with some of my professors.
You know what I mean? Not having that.
I'm pretty smart where. You know what I mean? Even if I knew something that was a little bit sharper than somebody else, whether it's a professor or client or another business associate. Who cares.
[00:26:55] Speaker A: Exactly.
[00:26:55] Speaker B: Do you have to be right?
[00:26:57] Speaker A: Yeah, that's a good question.
[00:26:59] Speaker B: Would you rather be appreciated and respected?
[00:27:02] Speaker A: Absolutely.
[00:27:03] Speaker B: Agree to walk away. And as long as it's not morally apprehensible, it's okay for somebody's opinion to rub you the wrong way. It's not okay to vocalize and make them feel less about.
[00:27:13] Speaker A: Absolutely. Very good point. Very good point. No, thank you. So, Dwight, thank you for, for those responses because. Yes, very good advice. Thank you for, again, for coming into my life. Thank you to Ryan Dunphy for introducing us.
You're an inspiration, Dwight. You've gone through a lot, and your personal development discussion has resonated with, I'm sure, a lot of the audience. So thanks again for coming on. I appreciate it.
[00:27:39] Speaker B: I appreciate you having me on. This is a great conversation. It's amazing how much information we can share in a small amount of time.
[00:27:46] Speaker A: Absolutely. If you, when you ask the right questions, as Dwight says, you gotta be able to ask the right questions to the right people and you'll be all right. So. Well, thanks again Dwight for coming on and everybody out there. Take care of yourselves.
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