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In this engaging episode of Rush to Reason, host John Rush delves into the intricacies of planning for retirement with guest Al Smith. They discuss the importance of financial planning, the impact of relocation on retirement savings, and the demographic shifts in retirement destinations across the United States. Al sheds light on questions retirees should consider, such as where to live and how much money is enough for the lifestyle they envision. Dive deep into these practical insights to better prepare for the future without financial stress. Beyond finances, John addresses health concerns, specifically focusing on Alzheimer’s disease. Learn
SPEAKER 09 :
This is Rush to Reason.
SPEAKER 07 :
You are going to shut your damn yapper and listen for a change because I got you pegged, sweetheart. You want to take the easy way out because you’re scared. And you’re scared because if you try and fail, there’s only you to blame. Let me break this down for you. Life is scary. Get used to it. There are no magical fixes.
SPEAKER 09 :
With your host, John Rush.
SPEAKER 01 :
My advice to you is to do what your parents did.
SPEAKER 06 :
Get a job, turd. You haven’t made everybody equal. You’ve made them the same, and there’s a big difference.
SPEAKER 14 :
Let me tell you why you’re here. You’re here because you know something. What you know you can’t explain, but you feel it. You’ve felt it your entire life, that there’s something wrong with the world. You don’t know what it is, but it’s there. It is this feeling that has brought you to me.
SPEAKER 06 :
Are you crazy? Am I? Or am I so sane that you just blew your mind?
SPEAKER 05 :
It’s Rush to Reason with your host, John Rush. Presented by Cub Creek Heating and Air Conditioning.
SPEAKER 18 :
I am Hans. And I am Franz. And we just want to pop your loss.
SPEAKER 09 :
Welcome to Health and Wellness Wednesdays on Rush to Reason. Fat, drunk, and stupid is no way to go through life, sir.
SPEAKER 08 :
I have what doctors call a little bit of a weight problem. I used to grab bear claws as a kid, two at a time, and I’d get them lodged right in this region here.
SPEAKER 02 :
Exorcist gives you endorphins. Endorphins make you happy. Happy people just don’t shoot their husbands.
SPEAKER 01 :
Let me tell you something you already know. The world ain’t all sunshine and rainbows. It’s a very mean and nasty place, and I don’t care how tough you are, it will beat you to your knees and keep you there permanently if you let it. But it ain’t about how hard you hit. It’s about how hard you can get hit and keep moving forward.
SPEAKER 16 :
I’m sorry that I’m fat. All right, happy Wednesday, Health and Wellness Wednesday. I’m your host, John Rush, of course, and I appreciate all of you that join us during this particular hour. Al Smith agreed to hang around with us today after being on air from 2 to 2.30 with his own program. So, Al, welcome.
SPEAKER 15 :
Well, thank you for having me, John.
SPEAKER 16 :
Always a joy. I know last time we were on, we talked a little bit about not just retirement, but some of the things that people may either get off on. They don’t handle correctly or don’t think through the entire process correctly. And one of the things that I asked you today before coming on air that I thought we could talk about is how many – People, do you find, or should people be thinking along these lines? You know, the majority of your clients are going to be from Colorado, and especially in this front-range area, we live in a more-than-average expense area for the country. In fact, there’s a lot of places, Al, that you could literally cut maybe not – in half, but darn near depending upon what part of the country you’re, you know, you’re willing to move to and live in. So you could literally cut your expenses back considerably. So my question to you was, is is that or should that be a part of what people think about in our area when it comes to retirement? Or should they just factor in, you know, making sure they’ve got enough socked away to where you can still live in Colorado if you want to?
SPEAKER 15 :
Well, that’s a big question because last time we talked about ways of making your money go farther and so forth once you’re in retirement and possibly one of the best ways or easiest ways to do that is also a bit burdensome and that’s moving. Moving is no fun. I moved my office a couple of months ago and I had been there about six years, and when you’re somewhere six years, you accumulate a lot of stuff. But as far as relocating, there’s a lot of reasons. Some people relocate to be closer to their grandchildren, whether that’s a good idea or not. Kind of depends on your relationship with the grandchildren and what else you had going on in between. But I did a little bit of research, and in 2022, they said 235,000 people moved right at retirement. In 2023, it was 338,000. It was up about 44%. So the trend is kind of going that direction, it looks. It really is. And the cities where the most people are moving in relation to the size of the community, Mesa, Arizona had 4,453 people move there who are retirement age. Okay. And rather, Arizona in general had 23,000. And I don’t think it’s any surprise that Florida had an increase of people over age 60 of 77,000. Wow.
SPEAKER 16 :
That’s a pretty sizable amount of people. And granted, I know Florida’s big. Arizona’s a fairly good-sized state as well, and you could spread those around. Although typically, as you know, Al, that’s not usually the way it works. They kind of concentrate in particular areas where there’s other like-minded people. I’ve been to Mesa, Arizona. I have family there, actually, so I can understand that. And your stats are showing they’re not moving where it’s cold.
SPEAKER 15 :
Well, here’s the most surprising statistic when I looked this up a few minutes ago. Which state would you think has the highest percentage of people over age 60?
SPEAKER 16 :
The highest percentage of people over age 60.
SPEAKER 15 :
Not moved there, but just the highest percentage of people over age 60. Florida.
SPEAKER 16 :
Florida.
SPEAKER 15 :
Maine.
SPEAKER 16 :
Really? I wouldn’t have guessed that.
SPEAKER 15 :
Neither would I have. The next ones to that, that’s 30%. The next one to that were Vermont and Delaware at 29%. Those are both cold states also.
SPEAKER 16 :
I would not have guessed that one at all. Delaware being a little better than the other two, but still, yeah, I wouldn’t have guessed that. So, Al, point being, and this is something that I even say this when you’re not with me, that the thing that you do that’s a little differently than most financial planners, and I know because I’ve known some of these individuals, is one of the things that you do, sit down and ask people are these very questions. What are you going to do once you get to that point in your life? In other words, what are your plans? Are you going to continue to work? Do you want to work? Are you going to volunteer? Where do you want to live in the country? Because all these things come into play when it comes to making sure that you’ve got enough resources when you get to that point in life.
SPEAKER 15 :
Well, exactly. And I ask my clients or prospective clients, what do you want your retirement to look like? Not just how much money do you want to have, but what do you want your retirement to look like? And then we can sort of convert that to retirement. a financial thing some activities in retirement cost very little some are rather expensive and and that’s why what you want your retirement to look like is important and if where you live isn’t terribly important then i don’t think relocating is a bad idea at all
SPEAKER 16 :
Well, especially when, in some cases, Al, you’ll have individuals, couples that will do very well with the home that they’ve got now as far as getting it paid off. It may be free and clear and so on. And, again, that can come into play when it comes to retirement and all of that because your expenses, of course, are less because there’s no mortgage payments to make on the same token. If you’re in a place like Colorado and you can go – live in a similar or maybe even downsize a little bit in house size from where you are here versus other places you may very well be able to do that still live without a mortgage but put some money in the bank at the same time and that’s where i’m going with this is you know is that or should that be a part of somebody’s you know retirement you know formula and i get it there’s a lot of other questions that have to be answered as to you know where do you want to live and so on but i think One of the things that I would caution people, I’m not a financial advisor, but one of the things I would caution on is you have to think through these things because if you think that, well, I’m just going to stay here in Colorado until I die, well, maybe that all depends on how well you’ve done financially to be able to handle our continual raising of costs here in Colorado, not just property taxes, Al, but all of the other ancillary things that go along with it. Again, we don’t live in a cheap area as far as the country goes.
SPEAKER 15 :
No, we really don’t. And to say I want to stay here until I die, if someone is that attached to a particular place, whether it’s Colorado or Los Angeles or Chicago, whatever it is, if you have adequate resources and if you’re that adamant about not leaving, then we have to plan with that in mind. But on the other hand, if you want your money to go farther, consider some other locations. Tennessee we were talking about. Arkansas has some beautiful areas.
SPEAKER 16 :
Even you mentioned, believe it or not, folks, Mesa, Arizona is cheaper than most of the front range of Colorado. Not a lot, but it is cheaper. And a lot of the other areas that you’re talking about, Al, even though there’s no snow and it’s warmer, and granted, there’s always trade-offs. Arizona, awfully hot in the summer. Florida, more bugs and snakes and things. So I get it. There’s always these trade-offs that you have to look at, but… We again, as we know here, we do not live in a inexpensive area. And you can typically find other areas that are very climate friendly, I guess you could say, that are less costly to live in than what we have right here.
SPEAKER 15 :
And there are parts of Colorado who, not who, but that are less expensive. True. The western slope and the Pueblo area are both growing areas that have a lot of things to do that are substantially less expensive than the metro area.
SPEAKER 16 :
That’s a very good point. And, again, I’m just saying, folks, think about all these things. These are things that you’ll sit down and have a conversation with Al on. And, again, it’s Health and Wellness Wednesday, so we not only want you to be healthy now, but also as you get to and closer to retirement. And then that health, Al, isn’t just our physical health, but the financial health, which, as we know, less stress, financially speaking, means overall better health, because I’ve talked about this numerous times before. during this hour and have many, many interviews, one of the first things that a lot of doctors and nutritionists and so on will tell you is if you want to live a more healthy life, reduce your stress.
SPEAKER 15 :
Well, exactly. And I think it sounds like it doesn’t even bother to be stated. But, you know, go where you’re happy. And if having more money is going to make you happier and doesn’t matter where you live, then think about relocating. If you’re firmly ingrained to staying in Colorado, make sure you have enough in your nest egg. that you can continue to live here. If you’d like to have a conversation with me about that, I can be reached at 303-744-1128. Thank you, John, for having me on.
SPEAKER 16 :
Thank you, Al, as well. And again, you can also find Al at klzradio.com, rushtoreason.com, on my other sites, on the weekends, drive-radio.com, you name it, you can find Al. If you find me, you’re going to find Al, and I would encourage you to sit down and have a conversation. Again, Al, thank you very much. Veteran Windows and Doors coming up next. And again, always a great deal at Veteran Windows and Doors. And right now, buy three windows, enjoy 35% off by four or more, and it’s 40% off with free installation. Find Dave by going to klzradio.com.
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SPEAKER 16 :
All right, and speaking of retirement, as you work your way down that path and you start talking to Al, don’t forget you may have a collection of items that you might contribute to this end of things and figure out, okay, am I doing well sitting on this? Am I better off turning this into cash, getting with Al, doing something else with that cash? And what I mean is have those items appraised, all of those heirlooms, coins, stamps, jewelry, watches even. Get with David Gonzalez at Mile High Coin and find out what it’s worth, and then you and Al can sit down and figure out what’s your best bet moving forward. 720-370-3400.
SPEAKER 17 :
Thank you so much for having me. At Mile High Coin, we understand the various situations which may have brought you to the place of needing or wanting to sell your collection. I appreciate the importance of right timing, so I will never pressure you to sell. People sell when they’re ready to sell. Oftentimes, there are estate planning issues that involve multiple family members and attorneys, and we can provide information needed to assist in that process. A coin or jewelry collection can be a burden, and we are here to simplify something that can be quite complicated. We offer a no-charge, complimentary evaluation and appraisal for all of our klz listeners even if you’re not quite ready to liquidate call us today at 720-370-3400 or visit our website milehighcoin.com to get more information we look forward to meeting you and seeing your collection listen online klzradio.com back to rush to reason
SPEAKER 16 :
And we are back, Rush to Reason, Denver’s Afternoon Rush, KLZ 560, Health and Wellness Wednesday. I do have a special guest joining us at 3.30. Adam Gunton’s going to join us, and we’re going to be talking about, believe it or not, influence upon drinking and things along those lines. And this may not necessarily affect those of you listening, but you may have other folk you could pass this along to, coworkers, family, kids, things like that. So we’ll talk about that here in just a little bit. In the meantime, I had a great article. I was going to talk about this last week, just didn’t have a chance to. And that is and it’s something that is, I think, on a lot of people’s minds. And that’s Alzheimer’s, mainly because like cancer, the majority of us will have someone either in our own family, somebody immediate, somebody that we know, a good friend that develops Alzheimer’s. And by the way, it’s not just something that people in their late stages of life, what I mean by late stages is there can be people literally in their 50s. that can develop Alzheimer’s. It’s not something that is only for those that are 80 years of age and above. I’ve known some folks that have had it and know somebody right now that’s in that 50 range, late 50s, early 60s that has it. I know some folks in their 70s. As you guys all know, my dad, who’s in his mid-80s, is suffering from it. So it’s something that will affect a lot of individuals. And I also will say this. It’s not always the same. And we’ve talked to brain experts, Alzheimer’s experts when it comes to that. Not every single Alzheimer’s patient will do the same things, for example. Some have greater memory loss than others. Some it comes on really hard. Some it’s a gradual thing that happens. They’re trying to do more and more testing, of course, to determine is there things that can be done through either lifestyle changes or medicines and things like that. And right now, no, there is no direct cure for Alzheimer’s. That’s the one bad thing about it. There really isn’t. In some cases, there’s some treatments and things that they can do to help manage and or slow things down. And a lot of it. We’ve talked to experts that have come on this program, and I’ve got an article in front of me where there are other things you can do to try to stave it off and or slow it down. And the one thing that we still do not know is where does it come from? Is it hereditary? Is it not? Is it ingrained into your DNA from the very get-go and just eventually it comes on? Honestly, folks, no matter what experts will tell you, no one really knows. It can go from generation to generation. It can also skip. it can not affect every single sibling uh this all sorts of things that no one knows at this point and the reality is it’s just something that we’re learning more and more of and my own personal opinion is it’s been around for quite some time people just didn’t know exactly how to label it and as we’ve gotten further down the line there’s more technology to actually do brain scans and things like that i think they’re learning more and more on on the diagnosis end of things But unfortunately, it affects a lot of individuals. I’ll just say it that way. Now, can we prevent it? My wife and I were talking about this earlier this week, and there are all sorts of studies, and you’ll read all sorts of things on, you know, eat this, take this medicine, do this. You know, they’ve determined that exercise is one of the great ways to stave off Alzheimer’s. Although, no matter what anybody tells you and what you read, Is there any foolproof cure and or staving off Alzheimer’s at this point? I can’t answer that, to be honest with you. I think, personally speaking, and I’m talking because my dad has it, so is it going to be something that’s passed down from him to me? I have no idea. Honestly, I do not know. Are there things that even somebody like I can do to not – How should I say this? Because it’s not a contractual disease, so I’m not saying that right. But is it something that if it is inside of me, can I push it off farther and farther? That’s probably the best way for me to say that. And the reality is I don’t know. I don’t know. It’s interesting though when somebody is affected by something directly, you’ll typically do more studying on that particular item than when you’re not affected by it. So for example, somebody that has had a very close relative that’s had some form of cancer, you’ll learn more about that particular form of cancer, know more about it than what you would otherwise. This is similar in my particular case, very similar, because I do all sorts of reading and studying and so on on this particular disease. A, because it’s affecting my father as we speak. It actually affected my grandmother and his mother. And would it affect me? Again, folks, I don’t know. But I will tell you this. I want to do everything I possibly can to try to stave these things off if, in fact, they may be in my future. So here’s some things for some of you listening where you may even be affected by this or you have some family members that are affected by this. This was interesting as I was reading through this a couple of weeks ago. There is a new study that’s been published in JAMA that suggests as many as 32% of dementia cases can be attributed to hearing loss. In other words, staving off or reversing hearing loss might be a way of staving off Alzheimer’s. So we had this conversation among several of us not that long ago talking about hearing aids. And there is a real aversion in some people’s minds to not getting a hearing aid. It’s almost like Charlie. That’s sort of that last hurdle where, OK, I’ve got a hearing aid. Now I’m old. Well, folks, there are young people. I’ve got a good friend of mine. They’ve got a grandchild that will have to have a hearing aid because of loss in one particular ear and not a very old young lady and will have a hearing aid most of her life. And they are going to do some surgery and things like that. But point being, you could be extremely young or extremely old or in between and have a hearing aid. It shouldn’t be associated with, oh, man, I’m old. I need a hearing aid. But for some people, I think it is. And here’s my point with that. Don’t let that be you because what this particular study is learning is as you lose your hearing, that plays a larger role, a much larger role than what people figured initially when it comes to dementia and Alzheimer’s. So if getting hearing aids allows you to hear better and is a way for you to help stave off that other sides of things, Alzheimer’s and dementia, then why not? And I don’t think any of us, myself included, probably do enough when it comes to hearing checks and going to an audiologist and actually going through that process. I’ll be straight up honest. I haven’t done that since I was a kid, Charlie. Now… Depending upon who you talk to, they may even tell you that, are you hearing as well as you used to? Now, I think a lot of men have selective hearing, so I’m not sure that that really is a good indication, depending upon who you’re talking to and what they’re saying. But I do think it’s important to have those things checked, and I’m one of those that will have to do that here in the not-too-distant future and figure out, okay, where am I at on that spectrum? I don’t need hearing aids. I can tell you that right now. I hear well enough to where I don’t need aids, but I want to know where I’m at. On a scale of 1 to 10, for example, where are you? Have you had your hearing checked of late, Charlie? He hasn’t either. So both of us probably should go and get that done, although I’ve – Charlie just said, what did I say? Duh. Anyways, this is one of those things in this study that came out talking about how you should have this particular done. It also says in 2019, the CDC estimated that 13 percent of Americans – Get this, 13%. So that’s over 1 in 10 of Americans age 18 and above. Age 18 and above experience difficult hearing at some point. That’s not old, folks. 18 is extremely young. So to be 18 all the way up to your 90s, 1 out of 10, actually it’s over that, 1.3 out of 10, have some sort of a difficulty hearing. Now, here’s another prediction I’ve got, and this will be interesting to see whether I’m right, wrong, or otherwise. I talked about this the other day in the fact that as I travel and I notice that there is a lot of people, young and old, with white earbuds in their ears. Now, I will tell you that even being here on air, the one thing that I – and I wear earbuds. I don’t wear earmuffs. I wear buds – It long story, but for me doing what I do and some of the things I have to do and even talking to some people when they’re in the studio and you guys don’t know this, but sometimes people come and go and so on. And there’s things going on that you don’t always hear that I need to hear. And for me, it’s much easier to slip an earbud in and out on one ear so I can still hear what’s going on in the background through the other ear. So my right ear, I’ve almost got an earbud in three plus hours a day. My left ear, it varies. It comes in and out. Depends on what I’m doing. And I do that, A, so I can hear better outside of what’s going on on air. But I also understand that those earbuds in my ear, and I keep the volume down pretty low. I also know that that’s not the best thing for your hearing. You’ll hear that people in this industry, Charlie knows this as well, people in this industry that have some sort of a ear, hearing muffs, whatever, on a good portion of their job, it can affect their hearing negatively. So I’m very aware of that, and I do my very best to make sure I don’t wear these things any longer than I have to. All that being said, I have to wonder, the younger generation, especially, that have earbuds in constantly, and I mean that sincerely. There are some cases I’m wondering, are they made into their ear? Because I look at some of these kids at times, I’m not sure they ever come out. And how good is that for their hearing or how hard on their hearing is that down the road? And I guess time will tell. My own personal feeling is it’s going to be a lot worse down the road than we think. And folks, I think, down the road 25, 30 years from now are going to look back and say, man alive, I shouldn’t have worn those things as much as I did. So food for thought. That is nothing that I’ve ever had any kind of experts come on and talk about when it comes to earbuds, pods, things like that. But I do think it’s something that you need to be careful of. And I think this particular study shows that. Bottom line, this entire article is talking about how that is one thing, losing your hearing. Getting more sleep is a big deal. Taking a multivitamin, also a big deal when it comes to staving off Alzheimer’s. And then believe it or not, drinking coffee and tea regularly actually helps reduce your chances of Alzheimer’s. So with that, I know we’ve got a guest joining us in a moment. I’ll continue on. Ridgeline Auto Brokers coming up next. If you’re looking for a great used car, they’ve got you covered. If you’re looking to sell your car, they’re there to help you with that as well. RidgelineAutoBrokers.com.
SPEAKER 05 :
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SPEAKER 09 :
This isn’t rage radio. This is real, relatable radio. Back to Rush to Reason.
SPEAKER 16 :
And we are back. Thanks for listening. Health and Wellness Wednesday, Rush to Reason, Denver’s Afternoon Rush, KLZ 560. Our next guest, Adam Gunton, joining us now. Adam, welcome. How are you? Doing so good. How are you doing? I’m doing great. I appreciate you joining us, former star athlete. You’ve turned into a recovery advocate, and you bring some great insight into friendships and things along those lines when it comes to the red flags at this time of the year especially. These things can be here. all the time i know adam as well but we’re kind of in that season to where a lot of things going on a lot of you know you can tailgate and parties and different things and reality is sometimes those folks that were around may not be the best influence upon us right yeah absolutely i heard it from jim rohn first that the five people you spend most time with are the five people you become yeah you know when i was raising my kids and i think i still try to you know throw this into even my grandkids you are who you hang out with is what i used to tell them
SPEAKER 18 :
A hundred percent. And it’s true.
SPEAKER 16 :
It is.
SPEAKER 18 :
I think it doesn’t necessarily mean that people need to look around them and, and judge the people around them, but you should look at yourself and what you want with your life and just see if the people around you are going to take you there.
SPEAKER 16 :
Yeah. No, I appreciate you saying that because it’s, you know, are these people helping you get where you want to go or are they either a holding you back or dragging you down? A hundred percent. Yep. Yep. I agree. Okay. So what are some of the red flags that we may not be hanging around with some of the best people?
SPEAKER 18 :
Well, I notice it with mental health. Like if you’re noticing a lot of negative thought patterns or if you’re noticing negative emotions in yourself, obviously you need to regulate it with your morning routine, with your exercise and your reading and things like that. But what I discovered this, that first time that I read that and listened to that from Jim Rohn, Um, he said the five people you spend most time with you’re the sum average of them. So I sat down and actually wrote out the five people that I’ve been spending most time with, and then wrote the three emotions that I associated to each of them. Like, what do I think they’re feeling the most? And then the three thoughts that I think that they’re thinking about the most, like, what do we talk about? And then I took their income that I think they make each month. And then I circled the three emotions that showed up the most out of those 15, the three thoughts that showed up the most out of those 15. And then I took those five incomes and divided them by five. And that was me, those three emotions, those three thoughts, and that income was exactly where I was at. So I started getting more intentional with it. And I think, Red flags are, are you doing things that are misaligned with your values? Are you doing things that you wouldn’t normally do? Are you feeling ways you wouldn’t normally feel?
SPEAKER 16 :
Well said on all counts. I coach small businesses as well outside of what I do here, Adam, and some of what you’re talking about I’ll have those same conversations with. some of my owners, because it’s not any different there. If you want to be a really good, successful business owner, are you hanging around others that are, or are you hanging around guys that continually are in bankruptcy and can’t seem to get their head above water? Because in relation to what you’re saying, it’s the same way on the business side. It’s no different.
SPEAKER 1 :
100%.
SPEAKER 18 :
I’m actually going out to Vegas on Sunday to be in a mastermind with Scott. So I’m only going to be about 60 to 70 of us in the room, but we’re all a seven figure business owners, you know, and then the people are teaching us how to scale beyond that. Yeah. And then I’m sponsoring an event, uh, here in Denver. on June 20th that’s for Christian small businesses. Nice, nice. We should get together outside the radio.
SPEAKER 16 :
Yeah, I would appreciate that. We very much speak the same language. No, let’s do that. When I let you go, I will just put you on hold, and we’ll get some direct contact. That way I’ll have Charlie get some things from you so that we can do that. No, I would very much appreciate that. We very much think alike, because I, like you, I firmly believe that, A, you are who you are, hang out with. And if people aren’t lifting you up and aren’t helping you and encouraging you, then I hate to be this blunt, Adam, find new friends. Yeah.
SPEAKER 18 :
And I also found that, you know, a lot of us have the heart to help the people around us. You know, a lot of people have that. So we want to bring the people with us. And what we don’t recognize is that people that don’t want to be brought with you aren’t going to come with you. And we’re much more it’s much easier to be pulled down than it is to pull somebody up that’s dead weight. So we want to be conscious of that also.
SPEAKER 16 :
Okay, so here’s a question, and these are things, again, that I have either been through or helped others through, and that is sometimes those that we’re even close to, family members, for example, Adam, can very much be those people that are also dragging us down. How do you deal with those particular individuals?
SPEAKER 18 :
Well, it’s a tough question because it’s so personal and dependent on the person’s situation. Because I come in the recovery field. I’ve heard the worst of the worst family situations where absolutely you should just cut yourself off from there. And our family has known us since we were born. Right. So they know the things, the buttons to push. That’s right. The things that can really hit us hard.
SPEAKER 16 :
And sometimes they do, by the way.
SPEAKER 18 :
Yeah, yeah. And sometimes they don’t even intentionally do it.
SPEAKER 16 :
No, it just happens.
SPEAKER 18 :
Yeah, we just grew up together. That’s right. And I think it takes us being consciously aware to create those boundaries where we cut it off immediately. And if you do it enough, it doesn’t matter how long you’ve known somebody. If you say, I’m not going to talk like that anymore. um this is my boundary and i’m walking away from this and if you say that enough times you actually stand firm with that and you walk away what you’ll notice is that they will stop that behavior true that’s a boundary i’m not letting that happen anymore and then there’s also you know you don’t have to hang out with them every week true you know i i love my family and my family is amazing to me like They treat me well. I’ve been really, really blessed growing up. But I’ve had to coach a lot of people that the family is the one that’s bringing them down, and you’ve got to be careful with it.
SPEAKER 16 :
Well said, because I think for a lot of folks that are out there listening, they are probably nodding and agreeing with us right through the speaker or whatever device they’re listening to us on, Adam, because they’re saying, yep, I hear you. I’ve been through the exact same thing. And I will tell you, Adam, and you know this as well as anyone, The farther up, I hate to use the term ladder, but the farther along in life we go and the more accomplishments we kind of get underneath our belt, and maybe I’m wrong in saying this, Adam, and maybe this is just me, but the fewer and fewer people you find around you that are actually helping you along that journey. Am I right or wrong?
SPEAKER 1 :
100%.
SPEAKER 18 :
100%. And actually, it’s really interesting because two weeks ago, two or three weeks ago, someone called me. A guy called me that I’ve been friends with for a while and he asked me how I’m doing. You know, I go into the small talk and then I’m like sitting there waiting for him to ask what he needs from me. And then there was this big pause and I was like, did you come to check on me? He was like, yeah. I was like, oh my gosh, thank you, dude. It’s been so long since someone has just called to check on me. Wow. You know, and that’s, that’s the kind of relationship that’s really, really powerful when people don’t want something from you. And they really genuinely care about how you’re doing. And those are the people that you spend more time with them because you’re able to grow with them, because you genuinely care about each other’s well-being and also how you’re doing in life.
SPEAKER 16 :
Amen. I cannot agree with you more on that one. And for a lot of you listening where you’re moving along and you think, man, I don’t have the friends today that I had even a decade ago. Okay, well… I would do the same exercise, Adam, that you just talked about earlier. Okay, what friends did you have a decade ago? What do you have now? Where are you at versus where are they at? And there’s probably a reason why you don’t have as many as you had a decade ago.
SPEAKER 18 :
Yeah. And that’s okay. What are you doing with your time? What’s the most valuable thing? Our time. Yes. And if we actually have a vision for our life, a lot of times we want to be around people to almost excuse our behavior because we can get comforted by the people around us to not pursue our dreams because maybe some of the people around us aren’t. But if you have a legitimate desire in your heart that you want to go after, you have to work on that. And if the people around you aren’t allowing you to work on that, then what are you doing with them? Oh, that’s a great point. There’s a lot of them.
SPEAKER 16 :
And that’s one of the things that is in my notes. I was going to ask you this anyways, though, because when you get to that level where you feel like, and again, I don’t know how many of my listeners have been here, but I have, to where you just feel like, you know, I love you and I love being around you and the relationship we’ve had and so on. And I’m saying this to myself internally. I’m not saying this out loud, of course, but You’re not helping me get where I need to go. So, Adam, how do we exit those relationships and do it in a way to where we’re not offending them?
SPEAKER 18 :
Well, there’s a few different ways. I mean, in a lot of situations, you just kind of say no. Like, yeah, I really don’t want to go play volleyball and drink this weekend. Yeah, I’m really actually making a turn in my life. How about we go exercise? invite them to some different things than you’re used to doing with them because you’re usually doing those drinking communities and stuff like that. And then they’ll kind of just either fizzle out or they’re the kind of people that, hey, I actually want to do that too. And then you actually start growing together. And I’ve noticed that when you start doing things that those people don’t really want to do, they stop calling.
SPEAKER 16 :
You don’t even ever have to have the breakup conversation. That’s right. I agree. I’ve had situations, too, and for a lot of you listening, you may find yourself here. And, again, just sort of by, I don’t know, Adam, time, I guess you could say, sort of takes care of some of these things. But I’ve had relationships in the past where, you know, even other couples where, man, you know, they’re fun to be with and I enjoy it. But, man, they’re just so negative. I mean, it’s always the sky is falling. This is always happening. That’s always happening. And it’s like, man – At the end of the day, I want to help them. And to your point earlier, I want to reach out. I want to be that person that even they can maybe look up to. But at the same token, I can’t hear all that negativity continually because if I do, it’s going to drag me down. So eventually they do go off on their own and you do no longer do the things that you once did because of that. And for me personally, it’s like I just I can’t do that. I got to get away from that. I can’t be in that negative environment constantly.
SPEAKER 18 :
A hundred percent. And they actually did a study on this and they found that if you’re in a room in a closed off room with five people that have a negative mindset, you are more likely. And one of them has a negative mindset. It’s more likely that that person’s negative mindset will pass off to the other five people than if that person had a cold. So you’re more likely to catch negativity than a contagious cold in a closed-off room.
SPEAKER 16 :
I can believe that. No, I can’t. I can’t believe that, because it spreads like wildfire. You know, there’s Scripture that talks about this as well, Adam. I mean, the reality is… You just can’t hang out with those particular individuals because they will eventually drive you down, just like the party animal will do the exact same thing. You have to know, at least for me, you have to know where you’re going, how are you going to get there, and what people are going to help me along the way. And if they’re not going to help me, then I can still associate, I can still have, you know, some affiliation at times, but I can’t do it on a heavy basis.
SPEAKER 1 :
100%.
SPEAKER 18 :
And another red flag that’s really, really obvious to me that, you know, at It doesn’t show up very much in my life anymore, but it’s gossip. And this is another scripture. Gossip is like a choice morsel going down to the inner depths of our soul. So if you have people around you that are talking about people that aren’t there negatively, it’s like we’re eating it. It’s like it’s an addictive… candy that we eat if we’re listening to gossip. So we start thinking about other people negatively, we start thinking about, you know, other people’s lives, and we should be focusing on what we’re here to do, what God has us here to do.
SPEAKER 16 :
Right, I agree. And while it’s okay to understand situations and what’s going on, you have to be careful, because there’s a fine line, it’s where, you know, it’s a story and it’s a situation, yes, you need to know about it versus gossip. Am I right in that? Yes, 100%.
SPEAKER 18 :
There’s a point when it’s the same as complaining. There’s a difference between complaining and talking about something going on to find a solution. If you’re talking about somebody just to talk negatively about them, that’s gossip. If you’re talking about somebody about a situation like, hey, we need to help this person, this is what’s going on, that’s a different situation.
SPEAKER 16 :
I think one of the things that, again, this is one of the first things I try to help new clients with when I bring them on, Adam, is a lot of people struggle with time management in general. And a lot of what we’re talking about right now is, as you said, time is the most precious thing we have, whether we’re working for somebody else. or we work for ourselves as owners, the reality is time is very precious. And what I’ve noticed, especially with new owners, is they struggle with that balance of where do I spend my time and what should I be working on that most benefits me. And while to me it’s not that difficult, I’ve done it now for decades, so it’s second nature, but when you’re new into it, you may not understand fully how to – How should I say this? How to categorize and break out time so that it best benefits you. What are recommendations you have to people on how they categorize that correctly?
SPEAKER 18 :
Well, I have two things for this. So there’s the 80-20 rule for owners. There’s 20% of tasks and things are actually going to give you 80% of the value that you need for your business. And then 80% of the tasks that have to be done are only 20% of the value for your business. So delegate the 80% that are 20% of the business, and then do the 20% that’s 80% of the value. If that’s calling clients, if that’s cold calling prospects, or… Just doing those things that are actually going to grow your network, those are the most important tasks. And then also, when we’re talking about relationships, I actually wrote an article I called The Law of 33% of Knowledge. And this is specifically for relationships. And when we’re talking about the people that we’re surrounding ourselves with, the way that I look at it, is that 33% of the time that I’m spending with people, I should be the one helping them. I’m the one that is helping them with something that they’re going through. I’m coaching them. I’m helping them recover from addiction, that kind of stuff. And then 33% of my time is with peers, people that are at the same level. We’re working on different things. We’re talking about things that we’re doing. We’re growing together. And then 33% of my relationships, I shut up and I listen and I learn. I have nothing to give to this person because they are feeding me. And what I found is that that actually not only helps us to learn what we are learning from that 33%, but we’re able to teach that to the other 66% of our time so we retain it and we consistently learn and retain and teach.
SPEAKER 16 :
I’m very blessed because I’ll be the first to say this, and I said this openly many times, that last 33% you just mentioned, that’s what I get out of doing this program on a daily basis. I get to interview folks like you and a lot of others that are in your world, by the way, that I get to glean from. So I’m very fortunate, Adam. I get to sit behind this microphone five days a week, three hours a day, and get to speak with people along the the lines of you that actually help feed me and I get to just sit and yes, there’s some interaction, but in a lot of cases I’m taking notes and I’m listening and I’m able to then apply that and or share that with others that I’m coaching and helping along the lines with. And I’m very blessed because I get to do that here openly, but yet get to glean from you guys on a daily basis. Yeah, I love it.
SPEAKER 18 :
And I, I’m the same way I’m, you know, in my business, I have a nonprofit helping people recover. I work a 12 step program and I’m constantly getting to do, uh, this extreme blessing of life, being able to help people where I was at. And then I also, like I consult in open treatment centers and do marketing and stuff. And I’m constantly talking to like the top doctors in the field telling me like their new things that they’re thinking about and these new medicines and these new therapies and talking to the top of the top marketers, learning about AI in a different way. I could never learn on my own. It’s incredible.
SPEAKER 16 :
No, it really is. Well, again, I, I, uh, I appreciate you taking time out of your day for us. I mean that sincerely. I would love to get together even outside of the program and share and talk about different things. I would really, really enjoy that, and I would feel honored to do so. I’m going to let you go. I’m going to put you on hold. I’m going to have Charlie get some info from you so we can actually do that, if that’s okay with you.
SPEAKER 18 :
Absolutely. I actually have a ticket for you at this event on the 20th if you want to come too.
SPEAKER 16 :
All right. Sounds awesome. Adam, I’m going to put you on hold. I appreciate it very much. And again, that is Adam Gunton. And I’ll put notes up where you can actually find him in our notes. There’s a YouTube talk or a TED Talk, by the way, that’s on YouTube that I’ll share as well. And you can actually find him on Instagram. And his name, it’s Adam, A-D-A-M. And it’s Gunton, G-U-N-T-O-N. T-O-N. And his middle name is Vibe. And that’s what he goes with on Instagram, his IG handle. It’s Adam Vibe Gunton. You can find him on Instagram that way as well. Dr. Scott Faulkner is up next. And again, a great doctor who thinks the way we do here, not only for health and wellness, but when we talk to Dr. Kelly Victory on Thursdays as well. And if you want a great doctor that thinks the way we do, talk to Dr. Scott today. 303-663-6990.
SPEAKER 10 :
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SPEAKER 09 :
Suck it up, buttercup. Back to Rush to Reason.
SPEAKER 16 :
All right, we are back. Rush to Reason, Denver’s Afternoon Rush, KLZ 560. Question of the day yesterday. Over the long term, too much of this hormone can create stress in your body, leading to more inflammation and increasing your blood pressure. What is that hormone? It is cortisol. Cortisol. Now, it’s another thing where Dr. Scott can actually run blood work and find out exactly where you’re at and what you need to do to adjust those things and so on. Again, one of the things that he does, not saying other medical doctors won’t, But again, he’s doing things way different than what your average MD that you’re going to have on your regular insurance plan that you maybe get to see 10 minutes at a time. He’s doing things way different than that. And yes, this is a little bit of a commercial for Dr. Scott. If there’s something you want done differently than what you’re getting done in the medical community, he’s your guy because he will look at these sorts of things and figure out exactly what’s best for you, even on the hormone therapy end of things. as well. So by all means, give Scott a call and he’ll get you all dialed in. Today’s impossible question of the day. If a person walked one complete circuit around the entire equatorial circumference of the Earth at a steady and uninterrupted pace of three miles an hour, how many days would it take them to complete the walk? So in other words, if you’re going to walk around the entire circumference, the equator of the Earth… At three miles an hour, how long would it take you to complete that walk? Great question, by the way. I’ve never really thought about that one, but it’s a lot longer probably than most anybody would realize. There’s your hint. And this is continual, never stopping, all the way around the globe. So answer that on our Rush to Reason Facebook page if you would. If you don’t, I will have the answer for you tomorrow, by the way. And Back to our last guest, too, by the way, Adam. I will reach out, find out exactly other ways to reach him. Have him back in the future, by the way. I really enjoyed his conversation. And for those of you that may have family members that struggle with alcohol addiction, you heard him talk about his own 12-step program and things that he’s got going on. in that realm to actually help individuals along those lines. If that is somebody that either you are affected by directly or you know somebody that is, or maybe you yourself struggle with that particular area of your life, by all means, reach out to Adam, and he’ll do his best to help you out. Again, Adam Gunton, G-U-N-T-O-N. You can find him on Instagram at Adam Vibe Gunton. It’s just that, Adam. Adam Vibe-Gunton. You know how the handles work on IG. That’s how it works. Just put that in. You’ll find him that way as well. All right, that’s it for Hour 1. We appreciate y’all listening. Health and Wellness Wednesday. We’ll be back in a moment. This is Rush to Reason, Denver’s Afternoon Rush, KLZ 560.
SPEAKER 1 :
I’m a rich guy.
