In this episode of Rush to Reason, host John Rush is joined by Chris Hoare, a national security spokesman for SAT 123, to discuss the alarming vulnerabilities in our telecom systems. As they unravel the complexities of a sophisticated attack on cell towers near the United Nations building, they emphasize the importance of preparedness for unforeseen crises. Chris introduces the value of satellite phones as a reliable communication tool when traditional networks fail, suggesting that these devices could be a crucial part of personal and national preparedness strategies.
SPEAKER 17 :
This is Rush to Reason.
SPEAKER 15 :
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 04 :
With your host, John Rush.
SPEAKER 11 :
My advice to you is to do what your parents did. Get a job first. You haven’t made everybody equal. You’ve made them the same and there’s a big difference.
SPEAKER 07 :
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 10 :
Are you crazy?
SPEAKER 02 :
Am I? Or am I so sane that you just blew your mind?
SPEAKER 17 :
It’s Rush to Reason with your host, John Rush, presented by Cub Creek Heating and Air Conditioning.
SPEAKER 14 :
All right, we are back. Hour number three is upon us. Rush to Reason, Denver’s Afternoon Rush, KLZ 560. Chris Hoare joining us now. Chris, you are a disaster response and telecom national security spokesman for SAT 123. Welcome. How are you?
SPEAKER 05 :
I’m great, sir. How are you doing today?
SPEAKER 14 :
places?
SPEAKER 05 :
Well, yeah, what this group was trying to do was to basically bring down the capacity of the cell towers so that they would reject all calls and all texts. And they were doing that with what seems to be around 300 SIM servers. And each one of those SIM servers can take hundreds or even a thousand plus SIM cards. And then they can generate with those SIM servers and the SIM cards about or up to 30 million text messages per minute. And, of course, what that does is it floods the network. And when you flood the network, you take it down.
SPEAKER 14 :
It’s just overloaded. I mean, at that point, all of the – and I think maybe, Chris, most people understand this, but really kind of in a nutshell, people forget that cell phones, Cell signal is basically a radio that goes to a tower. The tower then is hooked up into the actual network that we have. And, of course, there’s servers and switches and all sorts of things at every one of those stations. And there’s relay stations and things all around. And the reality is there’s a certain capacity to each one of those. And if you overload that, it’s done.
SPEAKER 05 :
Yeah, you’re absolutely correct. And if it’s done, whether they’re flooding the cell tower, the backhaul network that connects it, or the control planes, it’s the same result. And that means that the cell towers just will basically not work, essentially. And when… Yeah, they were doing this over an area of around 35 miles in and around the United Nations building right when the UNGA was going on, of course, where President Trump and other world leaders were meeting and speaking. And so, you know, that seems to be the target. It’s hard to say. The Secret Service is, of course, playing their cards close to the chest. But, you know, the problem with this is that it’s one thing if this happens in one area. But if this were to happen across the country simultaneously, it could cause chaos and mayhem, and that would certainly be a goal.
SPEAKER 14 :
One question I had, and this is something that, as I was talking about this story when it broke, and for me, as you can tell, I know a little bit about this. I don’t know near as much as somebody like yourself does, but I know enough to probably get in trouble, I guess, and at least to be able to speak about it, Chris. The question that I’ve got is, I mean, this is a pretty sophisticated group to even get this many SIM cards in the first place. And I would have thought that isn’t there systems in place that start flagging people that are acquiring this many SIMs? Or was this thing sophisticated enough to where it had so many different parties involved that nobody would be aware of what was going on?
SPEAKER 05 :
I mean, it is hard to say, but you’re absolutely right. I mean, you can’t just walk into a T-Mobile shop and order 100,000 safeguards.
SPEAKER 14 :
In fact, even 100 would almost probably be a red flag in some cases, right?
SPEAKER 05 :
Yeah, no, certainly. And I’m sure that they have their limits and they have their flags and so on. But 100,000 would require that someone somewhere along the line had a connection or relationship with with a provider, with a carrier. So this is not something you could just do on a whim, certainly. This was pre-planned. It was well-organized.
SPEAKER 14 :
And I’m assuming, too, that maybe this was something that, you know, this could have taken months, even a year. You know, okay, we need to acquire this many sims each month. We need this many people involved in doing so. We’ve got to spread this around because, to your point, there’s going to be some red flags that come up. Or we need some folks that have an in, and even with an in, maybe that’s the way they stay under the radar is they’re only buying so many per month. I mean, I have no idea. Maybe some of this will come out in the future. But that’s the part maybe I think, Chris, for me that was the most alarming is – How do you acquire that many? I mean, that doesn’t happen overnight, typically.
SPEAKER 05 :
Yeah, no, this was not a small group of guys who had a beef with someone. This was a well-organized effort. And we’ve seen these kind of efforts before, but typically when people put together hundreds of servers, they are trying to take down websites. This is what they call denial of service, of course, as you know. And we’re used to seeing that with websites, but it’s more concerning when they’re targeting cell towers, especially in a major metropolitan area.
SPEAKER 14 :
Okay, given all of that, and I think this was hopefully a huge wake-up call across the country, maybe even the globe, as to, listen, you know, those of you where we’re relying on this technology to literally live our lives on a daily basis, what kind of backup things do you have in play if, in fact, a cell network in your area were to go down for any length of time? How are you going to handle things, whether it be for your business, whether it be personally, whether it be communicating with your kids? I think, Chris, I do another program on Fridays called Ready Radio. We talk about preparedness for an hour on Fridays, and this, to me, was one of those bigger things as to, okay, if this were to happen, how are you handling it?
SPEAKER 05 :
Well, yeah, that’s where one of our main products is, of course, the satellite phone. We’ve been in the business for over 20 years, and we provide the same kind of equipment that’s used by the U.S. military and first responders throughout the country because we Look, when the military goes in somewhere, they fully understand that most likely there’ll be little to no cell service available, and they certainly wouldn’t want to rely on it. So satellite phones, you know, in appearance, they’re a little bit like an older cell phone, a little bit bigger. But what they do is they communicate directly with satellites. They bypass the cell towers. So if all the cell towers in your area or the power grid goes down and that takes out the cell towers, a satellite phone is not going to care. It’s going to work no matter what. And it also works absolutely anywhere on Earth as long as you can see the sky. And so, look, this has been the choice of outdoorsmen, sportsmen, hunters, fishers, hikers, you know, and so on, and anyone with a boat, anyone in the marine business. his new satellite phone spread, because the reality is that on a good day, only 7% of America has active cell phone service.
SPEAKER 14 :
Good point. Okay, question for you. This is something I’ve looked at for me personally in the past, given a lot of the things that I do and where I travel and so on, and the question I have is, are they still at a point where only a few people can afford them, or have they become more affordable for everyday Americans?
SPEAKER 05 :
Well, yeah, look, when they came out, they were tens of thousands of dollars, and Even 20 years ago when we started this business, they were still several thousand dollars for a handset, which is kind of where they are today. So what we did at Sat123.com was made the phone free with activation. So you’re getting basically a $1,000 to $2,000 phone for nothing. You’re paying $85 a month. You’re getting 150 minutes, and it kind of works like a cell phone plan in that way. But we’re the only ones to do that. We did that because… We don’t think that just millionaires, billionaires, and senators should be the only ones to have this equipment.
SPEAKER 14 :
I need to have you on my other program as well because this is great stuff. And, again, another one of those ways to be really prepared for the – I call it for the what-ifs of life, Chris. You never know what those are going to be. I also noticed on your website that in case of EMPs or things along those lines, and there’s a lot of – conversation out there as to whether cell, you know, satellite, cell probably would definitely go down. Would satellite service still work? You guys have Faraday bags and things along those lines as well.
SPEAKER 05 :
Yeah, that’s right. Look, I mean, an EMP attack or anything like that would take out electronic components, as you know. I’m sure your audience understands that. But another issue is data theft. You know, you could be walking down the street, somebody could be stealing your data from your phone. But if you put it in a Faraday bag, they can’t get to it. You know, it is the only way to protect your equipment from snooping, from theft, and from things like EMPs and flares.
SPEAKER 14 :
Gotcha. And again, folks, for all of you listening, we talk about this on Fridays from 2 to 3, those of you that join me there. A lot going on. And Chris, I think it’s just, to me, this was just a reminder that everything isn’t as robust as some think, some may think. In this case, yes, we did catch them. But Chris, what if we hadn’t?
SPEAKER 05 :
Yeah, we haven’t. Look, it could have been a very different scenario. And I think, John, the most worrying thing is we’ve seen these kind of localized attacks on power grids, on water supply units and stations. And in my mind, it looks an awful lot like dry runs.
SPEAKER 06 :
Right.
SPEAKER 05 :
I mean, just earlier this year, the entire country of Spain was taken off line for over 24 hours. That’s right. To think that couldn’t happen here, I’m afraid, is just ignorant.
SPEAKER 14 :
Yeah, I know. I think that you’re being very misguided if we believe that. And Chris, I’m not by any means a conspiracy theorist. I’m not a doomsdayer as well. But I’m very much a realist and feel like, you know what, just like we have a certain amount of cash on hand and savings and gold and silver and other sorts of things to make sure you’re ready for the what-ifs of life, this is on that same very track.
SPEAKER 05 :
Yeah, you’re absolutely right. And look, the Chinese, for example, make no bones about the fact that they employ tens of thousands of people in full time to do nothing but attack U.S. infrastructure. That’s right. That’s right.
SPEAKER 14 :
Yeah, there’s no secrets there. That’s exactly what they do. You’re 100% correct. All right. So for those of you listening, and I guess I should have said this to begin with. I apologize. It’s SAT, S-A-T, 123.com. That’s the website to go to, SAT123.com. And, Chris, I’ve been there, kind of studied things before you coming on. You’ve got a host of things. It’s not just one option for all of you listening. If this is something that you’re interested in, some of you that have businesses and maybe need to make sure communication is up at all times, Chris, you guys have solutions for that.
SPEAKER 05 :
Yeah, we do. And whether it’s for your family or for your business, we can install this kind of equipment on planes, boats, trucks, office buildings, you name it, whatever it is, so you can keep your business running too. But look, for families, I think it’s essential at this point.
SPEAKER 14 :
Yep, I agree. Chris, again, I may try to get with you and see if I can’t get you on my other program. I’d have a little more time where we could even talk in a little bit more depth. But I appreciate your time very much. And again, I’ll do my best to get you on our other show as well.
SPEAKER 05 :
Thanks for having me on, mate.
SPEAKER 14 :
You betcha, Chris. Appreciate it very much. Again, it’s sat123.com. Golden Eagle Financial. Speaking of finances and being ready for even these things that we just got done talking about, the what is of life, talk to Golden Eagle Financial today. Al Smith, find him at klzradio.com. There’s a great interview coming up next. And again, you can find him at klzradio.com.
SPEAKER 10 :
TJ here with KLZ and Al Smith of Golden Eagle Financial. And Al, I have a question for you. I’ve been putting money away for a while in a savings account or maybe a couple of investment accounts. But what am I doing wrong and what can you do better than that?
SPEAKER 02 :
Well, I think a savings account is important because all the financial gurus, including myself, agree you should have three to six months savings that you have ready liquid access to. But retirement planning is a bit more long term and it’s a bit more strategic. We want to take a look at the sum of money you’ll need way into the future. And we want to look at how that money can last by providing you income for as long as you live.
SPEAKER 10 :
What kind of planning or strategy do you provide for folks with that that have a big savings but haven’t made that next step?
SPEAKER 02 :
Well, that’s a good question. If someone has a large amount in savings, one of the things I do is we have a conversation about their risk tolerance. Nobody’s comfortable losing money, but having money in the market over a long period of time is a mechanism to accumulate wealth. And so we talk about the different levels of risk and the different products that are available. And we don’t put everybody into one box, but I have an enormous assortment of financial products. And it’s not that there’s good ones or bad ones. It’s there are some that are more appropriate for some people, but not for others.
SPEAKER 10 :
And that sounds excellent. How can folks get in touch with you for that meeting?
SPEAKER 02 :
You can reach me at 303-744-1128. And if I’m not there, it goes to voicemail, but I return my voicemails promptly. And we could have a conversation in the office. If you live a considerable distance away, we can have a long phone conversation or a Zoom call, whichever you would prefer.
SPEAKER 10 :
And as always, you can find him at klzradio.com slash money. Al, thanks so much for joining us today.
SPEAKER 02 :
Well, thank you, TJ. Thanks for the conversation.
SPEAKER 10 :
You bet.
SPEAKER 14 :
All right, we’ve got another guest joining us at 5.30. In the meantime, I read an article this morning, ColoradoSun.com, which, again, I read a lot of stuff from a lot of different places. And, yes, Colorado Sun is not a conservative website publication here in the Colorado area. Very much on the left. In fact, so much on the left that I even sent them an email when all of the Charlie Kirk stuff happened. They didn’t have one single article published. talking about Charlie Kirk’s assassination. Not one. Not mentioning even the other side’s side. Nothing about the killer. Not a single article. And this was the day after, the day of the day after, and even about a week after. Not once. Now, I don’t know if they’ve posted anything since. I haven’t delved into the website thoroughly to see if anything’s there. But I could not find one thing on there about Charlie Kirk. Telling you, by the way, the caliber of people that run that organization. But I still read it. Why? Because, like Joe, I want to know what the left says. I want to know what the left’s doing. I want to know what they’re putting out. I read, frankly, like Joe, I read as much on the left as I do on the right. I read them more than I do Fox News. So there’s a lot of you out there, a lot of you on the left, by the way, that always accuse me of being the Fox News junkie. I’ll be the first to tell you. There might be two or three weeks ago, but I don’t even look at Fox News, on the website even. Now, some of you will send me articles and things like that, and in that case I’ll actually go and look, but I rarely type in foxnews.com. I just – I don’t. And it’s nothing against them, but I want to know what the – I already know what Fox News’ perspective for the most part is going to be. Not fully, but for the most part I already know. I want to know what the other side is having to say. So, for example, in today’s Colorado Sun. As Trump punts on medical debt, Colorado leading in battle over patient protections. Now, this article basically is talking about how many times different governmental agencies have tried to protect patients when it comes to bills and things that happen in medical care, which I get. But what’s interesting is. This whole article starts off with, With the Trump administration scaling back federal efforts to protect Americans from medical bills they can’t pay, advocates for patients and consumers have shifted their work to contain the nation’s medical debt problem to the state capitals. Despite progress in some mostly blue states, Colorado lawmakers passed policies to keep medical debt off credit reports and limiting interest rates. Recent setbacks in more conservative legislatures underscore the Persistent challenges and strengthening patient protections. And by the way, it goes on to even talk about how essentially because of the big, beautiful bill, people are going to have less health coverage. What they’re failing to say is because people are going to come off Medicaid. They’re not coming out and saying that in this article, but that’s essentially, you know, there’s in other words, people make enough money to not actually be on Medicaid. In fact, in a lot of cases, they might even have the option for insurance through their employer. But because they can qualify for Medicaid, they do. And it’s costing us as taxpayers money instead of them having to pay for it on their own. But this whole article makes it seem like Trump took their coverage away. That is not the case. I titled this another Marxist narrative. That’s what this is. This is basically the Colorado Sun following their Marxist narrative to blame everything on Trump because certain people won’t have insurance anymore that once did. And they’re not giving you all of the details as to why they’re potentially losing their coverage. Because the reality is anybody that really needs Medicaid isn’t losing anything. I’ve talked about that many, many times on this program. They’re not losing a thing. It’s those fringe quote-unquote people that might be losing coverage in Medicaid and frankly shouldn’t have had it in the first place. Illegal aliens, for example, they shouldn’t be on Medicaid. Reality is only people that are really down and out that can’t afford it should be on Medicaid. People that can afford insurance should be affording their own, just like the rest of us have to do, just like I do, just like a lot of you listening do. So this whole article, again, is more about blaming Trump for something that isn’t Trump’s fault. And I get it. They’re getting into the whole credit reporting sides of things and how that works. And, you know, we’re trying to protect patients’ rights. And, you know, you shouldn’t be able to, you know, make somebody take out bankruptcy because of medical debt and so on. Which, by the way, I’m not disagreeing with that. This is one area where – and I’ve known people that have had to take bankruptcy over huge medical bills that actually had insurance but got so high on medical bills that they couldn’t pay everything because insurance got capped. And, yeah, in that case, these are hardworking people that, in the case I’m talking about, both had jobs, struggling, had major issues with some kids and so on. And, yeah, in that particular case, I don’t think somebody should be forced to take out bankruptcy because of those medical bills. That’s an issue, and I’m in agreement on that. By the way, that’s the rarity. That doesn’t happen that often. It does happen occasionally. But it’s sort of like talking about the 1% of abortions that are because of rape and incest and using that for every single excuse to have an abortion. It’s sort of the same thing happening on the medical side. You shouldn’t have to have a bankruptcy to cover medical debt. The reality is that doesn’t happen that often. The bigger reality is people use hospital coverage, ER, urgent cares, and so on far more often than they should. We’ve had that conversation with Dr. Kelly many times on Thursdays. And they abuse the system. And then they wonder why they end up having huge medical bills when it’s all said and done. And, yeah, in that case, their insurance may not cover. Maybe they didn’t have any insurance. Maybe they didn’t qualify for Medicaid. And on and on we go. But my point was or is that this particular article is deceiving because it’s making it sound like Trump took their coverage away and that nothing could be farther from the truth. It does talk about it here, an estimated 100 million adults in the U.S. have some form of medical debt. Okay, well, I get that. This goes back to the conversation I had last week. 60% of Americans can’t afford a $1,000 hit of any kind, medically speaking, car repair, whatever the case may be. Now, is that because of the economy or is it because of people? And we’re going to talk about finances in a moment with another great guest that we’ve had on in the past. He’s been on with us many times, Eric Weir. Great guy, by the way. He talks about who’s eating your pie. And my point is, do these people have this debt because of a huge medical issue or because they don’t manage their money very well in the first place? And I’m not trying to be rude to anybody here, but I can tell you folks that some of the things that I’ve done in my past, serving on different ministerial boards and so on, and looking at people that actually come in and need help, one of the first questions I always had was, okay, what’s their lifestyle like? In other words, are they eating out a lot? Do they have cable TV? In fact, do they have things even that I don’t have? And if that’s the case, then why are we handing out help when they could do cutbacks and budgetary things internally to handle things better on their side rather than just giving them a handout? Because giving me a handout is not going to fix anything. And I wonder at times how many of these hundred million that have an actual medical bill or medical debt, I should say, how much of that’s from what I just said? And I also understand that if you don’t have any money going into the hospital, are you still going to get treated? Yes. Now, the hospital is going to do everything they possibly can to try to recover from that bill and the debt and so on. And by the way, in a lot of cases, they’ll write a certain amount of that debt off and still help you get that bill paid for over time. It’s called getting on the phone and negotiating that. And I also again, I’m wondering how many of these hundred. It’s an estimate, by the way. I don’t know if that’s a true number or not. It’s in this article. So I have no idea. But I often wonder how many of those have actually done what I just said. And then, again, as I say, how many of them really needed to go in the first place? And, again, I can’t say I’m not a doctor. I don’t know. But I do know the stats on that are a lot of people go to the doctor and go to the ER and do things that, frankly, don’t need to be there. There’s other ways to handle said problem. But they go because they can. And they do. And some are, you know, I’m kind of the opposite of that. I don’t ever want to go. You’ve got to drag me to the ER. I am not going unless I absolutely have to. That is the last place I want to. A, it’s a huge time waster. I do not want to be in the ER. It’s the biggest time waster there. Sorry, doctors and nurses, but it is a huge time waster. For me, you can spend hours there for honestly hardly anything when it’s all said and done. I mean, I’m one of those where even if I cut my finger, I’m doing everything I possibly can to basically stitch that thing up myself because I don’t want to go. I ordered these strips the other day. Charlie’s going to laugh at me, but I’m online the other day, and I see these great handy strips that act like stitches. I ordered a set. Yeah, I got them in my medicine cabinet. Now, if something happens, I’m using those bad boys. I am not going in to get stitches unless I absolutely, unless my finger’s dangling off, I’m not going in. I hate going. To me, nothing bigger of a time waster than that. I’ll do everything I possibly can to not go. I’m the opposite of most people. Again, because I look at my time as value, and I don’t want to spend it in an ER. That’s just me. So, again, we’ve got a financial expert that’s going to join us here in a minute. We can get into a little bit more of this in a moment. Gino’s Auto Service coming up next. Speaking of having money to even fix your car, well… A lot of times people don’t. Things happen. Emergencies come up. Geno’s has the ability to even help you fund repairs through different programs they’ve got. I would say call them and find out exactly what they can do for you. Geno’sautoservice.com, and Geno starts with a J.
SPEAKER 01 :
Take advantage of Geno’s Auto Service’s fall coolant flush special. Even as the weather is starting to cool, your engine runs hot. When coolant degrades, it becomes acidic and can corrode your radiator, thermostat, and water pump, sending debris into your engine. These debris, if left unchecked, can lead to major headaches and repairs. Reduce the chance of overheating, even in cooler weather, and keep corrosion at bay with a coolant flush from Geno’s. Maintaining your vehicle will give you additional years of performance and reliability. Geno’s is celebrating 42 years in business in Littleton. We are all for making your life simpler, offering loaner vehicles so you can drop your car off and pick up when ready. Give us a call or go online to schedule an appointment. Geno’s is AAA approved and located at Bowles and Platte Canyon. Don’t forget to check out all of Geno’s Google reviews. Reduce the chance of overheating with a coolant flush from Geno’s. Stop in or visit us online at genosautoservice.com. That’s Geno’s with a J.
SPEAKER 14 :
Roof Savers of Colorado, hey, it’s raining out right now. You might find some leaks in your roof. If you’ve got problems along those lines or you just want to extend the life of your roof, talk to Roof Savers of Colorado today, 303-710-6916.
SPEAKER 12 :
August heat and those September storms can really take a toll on your roof here in Colorado. But before you shell out thousands for a full replacement, call Roof Savers of Colorado. Roof Savers offers Roof Max, a quick, affordable, eco-friendly treatment that restores flexibility and extends the life of your asphalt shingles, all for a fraction of the cost of a new roof. As the seasons start to change, now is the perfect time to get ahead of winter damage. In just one treatment, RoofMax rejuvenates your roof, improves protection, and gives you peace of mind before the snow hits. Call Roof Savers of Colorado today for a free roof assessment at 303-710-6916 or visit us at RoofSaversCo.com and ask about our seasonal specials. Roof Savers of Colorado, we add years to your roof and protection to your home.
SPEAKER 14 :
All right, legal advice. We have an answer for you. That’s Kevin Flesch, civil, criminal, you name it. Kevin can do either side, 303-806-8886.
SPEAKER 13 :
Here’s why you need personal injury attorney Kevin Flesch on your side. He understands the way the jury thinks. In the context of a personal injury case, you’ve been hurt by someone else’s negligence. The idea is that you’re going to try to recover so that you can get back to where you were just prior to that incident occurring. What that really means from a jurist’s perspective is that you’re going to be asking them to award you money. So when we talk about fairness, we’re talking about six people that you don’t know. Those six people view the evidence and make a unanimous decision that will decide what the fair value is. When you’re the one who’s hurt, you have a good idea of what you think it’s worth. The question is, can you persuade those other individuals whom you don’t know and were witnesses to believe that’s what the case is worth? Kevin Flesch understands the way the jury thinks. Call now for a free consultation. 303-806-8886.
SPEAKER 04 :
The best export we have is common sense. You’re listening to Rush to Reason.
SPEAKER 14 :
And we are back. Rush to Reason, Denver’s Afternoon Rush, KLZ 560. Appreciate y’all listening. Again, as I said a moment ago, our next guest, Eric Ware, is with us. Eric, welcome back. How are you?
SPEAKER 03 :
It’s good to be back.
SPEAKER 14 :
That’s always a joy having you, author of Who’s Eating Your Pie? Essential Financial Advice That Will Transform Your Life. Now, I know this isn’t necessarily our topic, but I just got done talking a moment ago about how, you know, the average American family can’t afford a thousand dollar hit. Sixty percent of Americans can’t do that. Medical debt. I read an article a moment ago that one hundred million Americans. families in the nation have some sort of medical debt. And then I got an email from my co-art that’s with me on Tuesdays and Fridays and basically said, yeah, when you don’t have solid savings, you’re going to have medical debt. You know what? That’s true. You’re going to have debt if you don’t have good savings. That’s right. That’s right. So how do we get some savings?
SPEAKER 03 :
You know, it’s reframing and it’s rethinking and it’s reimagining. If you do what you always did, you’re going to get the same results you always have had. And so what I try to tell people is look at your life, and the very first thing, are there things you can do without? Are there things that you have that you’re not using you can liquidate? The bike you haven’t ridden in three years. I mean, get $400, $500, $600, $700 together as a reserve account, and then start to reimagine and reframe. What could I do now in addition to or different than what I’m doing that I could have a different result, solve a bigger problem, and have a larger reward?
SPEAKER 14 :
Are you a big one on – and there’s all sorts of different theories out there, and Dave Ramsey has his, and I like Dave, although I think Dave fits a certain segment of the population. I wouldn’t say that Dave is by any means a one-size-fits-all. I think he would disagree with me on that, by the way, because I think he’s somebody that no matter what level of life you’re in, business or otherwise, his way is the only way. And I’m not one of those, though. I think, Eric, that they’re – are times where you can do different things with even mortgages and debt and so on and still come out ahead as long as you know what you’re doing and how you actually do that. So I’m not Dave Ramsey, and I like Dave, and again, I think Dave serves a really solid purpose for a lot of the folks that he talks to on his show. And I also know that he’s the envelope guy. So the question I have for you is, is that a good thing for some people to do?
SPEAKER 03 :
You know, it’s really where are you? And I’ve known people that have done the Dave Ramsey, and they’re like, hey, I’ve gotten out of credit card debt. And it’s a process. It’s simple to follow. You know, it’s one of the things he says, you know, is just stop spending money you don’t have. That’s a great way to start. It is. I agree with him there. There’s wisdom. And I think the thing you’ve got to look at is no matter who you’re talking to, if you’re talking to the real estate guys, you say, I’m going to borrow money on a house and I’m going to take a second instead of selling it and take that cash to borrow another one. There’s wisdom in everything. But you really got to look at who you are. Are you able to handle that? There’s certain levels of stress that come with different strategies. Very true. If you’re going to borrow money to invest in something else, you have to have maybe a higher level of sophistication, maybe be able to handle a little bit more stress. If you’re going to spend less, use the envelope system. That’s a pretty low-stress environment. So I think that depending on who you are, you’re capable to handle stress or process things and learn new things, it’s going to have an impact on how you choose to navigate going forward.
SPEAKER 14 :
Question that I’ve always thought, and I’ve never said this publicly, but I’m going to ask you because I think you’re a guy that relates very well to me and you fit well with what we do here on Rush to Reason. And that is, for some of the things you just mentioned, do you feel like there’s also a level of – smarts maybe isn’t the right word, Eric – Understanding math, for example, if you’re somebody that’s really good at math and you’re talking about some of the things that you just mentioned, I could see where that might work really well for some. On the same token, if you’re not really a math person, you really even struggle to have even a solid budget and you struggle with even spending less than you make, you know, maybe some of those other larger investments and risks aren’t for you.
SPEAKER 03 :
100%. And again, there’s no one-size-fits-all. I mean, I’ve been in the investment business for years. One of the first people I worked with was a waitress at a Red Lobster. Never made more than $15,000 a year. This goes back almost 40 years now. But they had accumulated over a million dollars. And what they did is they didn’t put it in the bank. They would buy Coca-Cola stock every month. And that, for them, was simple. All they did was buy Coca-Cola. Didn’t do anything else. But it worked. But it’s whatever works for you. It’s not a one-size-fits-all. To the extent that you can get over your own limiting thoughts, to the extent that you can stop capping yourself, you open up a different level of wealth, a different level of financial opportunities today. that you might not otherwise have available to you.
SPEAKER 14 :
Okay. By the way, everything you just said, can’t disagree with any of that. One other thing I want to throw in here, though, and I think this is one thing, and again, I’m not trying to throw anybody under the bus, Eric, but I’ve talked to different people, I’ve had conversations with folk, and the one thing that I’ve also learned through the years is And maybe this is the moral side of it that we can talk about, but there’s a lot of folks that feel like, number one, building wealth is somehow immoral. I don’t believe that, by the way. In fact, I think it’s actually the opposite, and God talks about it a ton in Scripture. So bottom line, I don’t think it’s immoral. I think it’s all in what your motives are when it’s all said and done. But second of all, I think that— For a lot of people, that extra work, for example, I know how many hours there are in a week, so do you, and I know that most people will work on average 35 to 40 hours. Maybe if they even work a little bit overtime, maybe it’s 45 or 50. But the reality is you can work 80 and, by the way, still have a pleasant home life without too much troubling. I’m a guy, Eric, to this day still works 65, 70 hours a week with no problem. You could work 80 if you had to to try to get ahead. The issue is most don’t want to.
SPEAKER 03 :
They don’t want to, but they don’t know how to spend their time. I’ll give you an example. If I were to ask the average person what their limitations were, they can tell me without hesitation. If I ask them what their strengths are, they have to think for a minute. The travesty is that people spend most of their time making excuses as to why they can’t reach their goals or achieve. Most people, if they have goals, they set them only a little higher than where they are today. True. They make a crazy goal that’s like 10x ahead of where they are. Unreachable. Wildly optimistic. And one’s demoralizing, and one isn’t motivating. So almost everyone limits their goals based on what they’ve seen before. And when I talk about reframing, don’t start… from the ground looking at the clouds, starting the clouds working your way down. How do I build steps, people, process, connections, thought processes, overcome limiting thoughts so I can reframe my situation and not look at it from normal perspectives, but look at it from different angles.
SPEAKER 14 :
Makes sense, and it’s funny. I’ve listened to, read, followed Dave Ramsey. I’ve also listened to, read Cardone, who’s the 10X guy, as you just mentioned a moment ago. Yeah. And it’s funny. It’s like, OK, wait a minute. Neither one of you guys are wrong. It depends on the crowd and the people that you’re talking to. And I think there’s time where having that 10x thought works really, really well for some people. Although I would tell you, Eric, and again, nothing against Grant. I think he’s a great guy. I think he’s done a lot of things. I think he’s helped a lot of people. But to your point, there are some people out there that, by the way, that 10x, that’s so audacious they’ll never reach it and become so challenging that they give up too early.
SPEAKER 03 :
Yeah, and it’s progressive. And I tell people your ability to be successful is very highly correlated to your ability to focus on a single task, the single most important task without distraction for a prolonged period of time. And people multitask themselves broke. One of the most dangerous things of social media isn’t what you’re watching. It’s the attention span you’re making shorter. Like now, you have a hook in a second and a half. You’ve got six seconds max. People watch three, four, none of the next, next, next, next. And the instant gratification, the inability to focus on a problem. And this is going to sound really crazy. Can you sit in discomfort and pain? for a prolonged period of time to think about a way out of it and restructure, reimagine? Or do you have to self-inoculate or distract yourself? And it’s interesting, your ability to endure and persevere also is very important. So you go back to the envelopes, hey, It’s a great start. He calls them baby steps. And that’s a great way to start. It’s a first step. I think what he realizes is they’re not going to go down to start a music. It’s a baby step. And it’s the same thing with goal setting. And when I talk about my book, first chapter is permission to dream. And then how do you do it? How do you build momentum? How do you set your short-term goals in one day, three days, five days? And what I tell people is I miss goals all the time. But when I miss them, I reframe them. That’s right. I reimagine. I go further. I realize, hey, I had other priorities. But it’s not overwhelming. It’s educational.
SPEAKER 14 :
I fully agree. And it’s interesting what you said a moment ago about social media and how that can be a big drawback. And, by the way, I fully, fully agree with you. It’s funny. Scripture is Scripture for a reason because it’s timeless, and there’s a reason why the Tenth Commandment says don’t covet. In other words, don’t compare yourself to what everybody else has and don’t wish you had what they had. It’s funny that even in our world today with all of the advancements we have, which, by the way, didn’t exist in biblical times, you know what? All ten are still true, that one especially.
SPEAKER 03 :
They’re all still true. And I had a grandmother and an aunt who would say amazing things to me. One was like, you know, there’s two types of people, Eric. Those are humble and those are assumed to be. And the second thing was really amazing was if, you know, if you had their – If you had their life and their problems, you’d probably want to go back. That’s right. And it’s so true. If you look around, and depression is an interesting thing, and I know there’s a lot of, it’s a deep topic, but there’s so many people that are sad or down on themselves. And I heard something recently, the person who’s on their deathbed would do anything for an extra day. The person who could no longer walk would give anything to walk. The person who can walk but can’t run would love to run. And we’re always going to be aware of what we can’t do or our limitations. And I think one of the greatest things in goal setting and in accomplishing things in life is also realizing that I need to be happy today. Right. Be grateful today. Right. You know, you went through a terrible marriage. Hey, I’m still here. I still have children. I still have the breath. I’m in debt. Hey, but I still have these other things. That’s right. And you get a point of gratitude. And it’s amazing when you have gratitude, then you can be creative. And then you can set goals and you can dream. Without it, it’s much more challenging.
SPEAKER 14 :
My grandmother always told me, and it’s something I’ve always kept to heart, if money problems are the only problems you have, feel lucky.
SPEAKER 03 :
That’s right. You have no problems, right? Because those are overcomeable, by the way. Yeah, they are. And they really consume us. And I’ve certainly been guilty of this before, where you focus on the financial reward so much, and you get there, and it’s kind of hollow. And how do you have joy each day? And the joy is the journey. It’s not the destination.
SPEAKER 14 :
It’s the journey. Very true. Very true. Again, it is Who’s Eating Your Pie? Eric Ware. He’s the author of Essential Financial Advice That Will Transform Your Life. You’re also principal of WCM Global Wealth, LLC. How do folks find you, Eric?
SPEAKER 03 :
They can find me on Instagram at Eric, we are E-R-I-K-W-E-I-R. I’m also on LinkedIn, and those are two fantastic ways to find me, and I will reach out to you. So ping me, IM me, and I will get back to you.
SPEAKER 14 :
Eric, I always have a joy talking to you. We very much think alike, and I could go on for hours, but I know your time’s limited. I appreciate you greatly.
SPEAKER 03 :
It’s my pleasure, Antonio. Thank you so much for having me on.
SPEAKER 14 :
You’re very welcome, Eric. Have a great rest of your day. And, again, the book is Who’s Eating Your Pie? Just go look it up. It would be a great read, by the way. Sorry, Cub Creek’s up next, not Golden Eagle, Cub Creek. And some of you might be having issues right now with your furnace, and if you are, give them a call. I can almost guarantee you that Hunter will be a tad bit behind with the cold weather we’ve had. Just be patient. He’ll get out to you as quickly as he can. Find him at klzradio.com.
SPEAKER 17 :
Now is the time to make sure your furnace is ready with Cub Creek Heating and AC. After sitting idle all summer, your furnace could face mechanical or electrical failures, carbon monoxide or gas leaks, fire hazards, or it might not even turn on when you need it most. That’s why Cub Creek is offering an affordable furnace tune-up to keep your system in top shape before you turn it on for the season. Their certified technicians will replace your filter, clean the entire system and test everything to ensure it’s ready to power through the cold months ahead. Don’t wait until the first freeze catches you off guard. A tune-up now helps you avoid costly emergency repairs. and keeps your family safe and warm. So, get ahead of the winter rush by scheduling your furnace tune-up today. Call our certified Rheem Pro partner, Cub Creek Heating and AC, and mention you heard this ad on KLZ Radio to save $56 on your tune-up for a limited time only. Find them at klzradio.com slash HVAC.
SPEAKER 14 :
All right, get your health in order. We talked about medical debt a little bit ago. You know what? The best way to avoid medical debt is to be healthy. I get it. Other things can happen, accidents and so on. But when it comes to your regular overall health, make sure that you’re healthy. Dr. Scott will help you with it. He’ll be your partner in your health journey. 303-663-6990.
SPEAKER 08 :
Tired of rushed appointments and cookie-cutter care? At Castle Rock Regenerative Health, Dr. Scott Faulkner offers true concierge medicine, personalized, unrushed, and on your schedule. Not the schedule of big health care, no crowded waiting rooms, no waiting weeks to be seen. Dr. Faulkner isn’t tied to the limitations of traditional practices, so he can focus on what matters most. you. He takes the time to really listen, understand your goals, and customize care to fit your body and lifestyle. From regenerative therapies and IV nutrition to integrative whole body health solutions, you’ll get advanced options designed to help you truly heal and stay healthy. If weight loss is part of your journey, they offer medically guided plans tailored to you, helping you lose weight safely and sustainably with real support every step of the way. And for those experiencing changes in energy, mood, or vitality, ask about our personalized hormone therapy. We’ll help you restore balance and feel your best at every stage of life. Ready for a different kind of health care? Visit CastleRockRegenerativeHealth.com or call 303-663-6990 and start your journey with Dr. Scott today. You can also find Dr. Scott at RushToReason.com.
SPEAKER 09 :
The good news for seniors on Medicare is that you have more options today than ever before. The challenge is that all of these new options can be very confusing and making the wrong choice can cost you thousands of dollars more out of your pocket. Call Paul Lanigro at GIA Insurance and his team of Medicare specialists We’ll help you find the right plan for your needs. Call 303-423-0162, extension 100, or go online to e-gia.com.
SPEAKER 04 :
This isn’t Rage Radio. This is Real Relatable Radio. Back to Rush to Reason.
SPEAKER 14 :
All right, we are back, kind of closing out today. I’m going to dovetail into what Eric was saying, and this isn’t in my notes, so bear with me here. I get this question periodically. Sometimes it’ll be from younger people. Sometimes I get it from folks that are even my age and definitely not a spring chicken anymore. And I’ll get questions like, how do I get ahead or how do I get myself out of debt? And again, Dave Ramsey, for those that are really struggling in your paycheck to paycheck and you just can’t seem to be able to get ahead, Dave’s got some really great programs or has a great program along those lines his financial peace university i’ve never been through it but you know i’ve known people that have and there’s some great resources that dave has and i’m definitely not against dave at all it’s interesting though speaking of dave i watched a video of a guy that was interviewing him on the street i follow this kid that runs around and interviews very wealthy people and asks them what their secrets to life and wealth and stuff are and he interviewed dave the other day which i was really shocked at He caught Dave, I guess, coming in or out of a hotel or something, and he asked Dave how wealthy, you know, what’s his net worth? And first time I’ve ever heard Dave admit this. He said, I’m probably a billionaire. Now, I can tell you this much. Dave knows exactly whether he is or isn’t. But for him to even say those words, I’m like, Dave’s done pretty well. And he has. And he’s got a great formula. And he had some great advice for this young man, by the way, which may be one of these other future shows. I’ll share some of what Dave actually had to say. But I get that same question periodically as to, you know, how do I get ahead? How do I get out of debt? You know, what can I do to get ahead of where I’m at today? And here’s, I’m just going to share this with you guys. Here’s what I usually tell people. First things first, everything Eric just said. First of all, analyze where you’re at in life and what can you cut back on. If there’s certain things that you’re spending money on that you shouldn’t, it could be a car that’s too expensive. Maybe you made a bad decision buying a particular car. Maybe you need to dump that car and get a car that doesn’t cost as much money. All sorts of things along those lines. What other expenses around your house do you have? How often are you eating out? Eating out still costs a lot more money. I don’t care what anybody says. Trust me. You can do the math. You can always eat at home cheaper than you can eat out, no matter what anybody says. Now, if you’re somebody that’s got the means and you want to eat out, go for it. I could care less. You guys know me on that. Back at you. Have fun. Whatever. But I do know that you can still eat at home cheaper and more healthy than you can eating out all day long. I mean, remember that if you go and eat out, unless it’s fast food, which none of that’s healthy. Unless you’re getting a salad or something and then don’t put any dressing on it. Most people don’t want to do that. So unless you’re eating at a fast food place, remember, there’s always a tip. You’re paying somebody else to serve you. That alone. Typically, the tip is what you could have had a meal at home for. And I’m not exaggerating. If two people go out and it’s even 15 bucks a pop, which that’s not unheard of anymore. That’s 30 bucks plus tax plus a tip. You just spent 45 bucks. And again, the tip alone, you could have eaten at home, and I’m not exaggerating. So, again, there’s ways to evaluate where are you at, what are you spending money on, and what don’t you need to spend money on. And by the way, that includes every area of your life, from what are you spending on your car, and insurance, and what kind of car are you driving, and, and, and, and, and. Do you have cable? Do you need cable? How fast of an internet speed do you really need? Are there better deals out there? I mean, I can go down the list. But reevaluate all those things. But honestly… Bar none, I’ve always been one of these. You can always cut expenses, yes. In fact, businesses can expense themselves, can cut expenses and cut themselves out of the marketplace, by the way. So cutting expenses isn’t always the answer. Yes, you need to be diligent in your expenses, but typically what people need is more revenue. That’s true with businesses. It’s true at home. Now, in a business, sometimes that’s a little more difficult to find. You’ve got to find new customers. You’ve got to go back to your existing customers. You’ve got to sell more. That’s not always an easy answer. But you know what? When you’re employed by somebody else, it is an easy answer. Go get another job. If you need more revenue, then go do more work or start something on your own or go mow lawns or go do whatever you need. Go be a day laborer for somebody on the weekends. I mean, there’s all sorts of people. I see them all over the Internet asking, hey, I need help with this. I need help with that. Can I hire somebody to do this? Can I hire somebody to do that? You know what? You could go out on the weekends and make all sorts of extra cash pretty easily by just offering your services. But it’s called work, W-R-K. It’s a four-letter word. So typically when people ask me how do I get ahead, the first thing I ask is how many jobs do you have? Well, I just have one. Well, how many hours a week do you work? Well, just 40. Do you ever get overtime? Rarely. Well, then you’re an easy candidate for a whole other job. You can have two full-time jobs if you want. And usually I get this blank stare back like, well, how am I going to do that? There’s no me time. Yeah, that’s the point. You’re right. There is none. You’re trying to get ahead. You’re trying to get out of debt. You’re trying to move the ball forward. There is no me time. The me time is I’m going to get ahead. I’m going to work harder than the next guy. And by the way, even with two full-time jobs at 80 hours, you still have me time. I’ve done the math. Anybody can’t. It’s not that hard. Seven days a week, take one full day off, gives you six days a week. You work X amount per day. You got to take time to sleep. I understand that. Again, do the math. There’s plenty of time to work two jobs. At least a job and a half. But here’s the real issue. Most people don’t want to give up that free time. For example, tonight, Monday Night Football, most people want to sit and watch that. They don’t want to be working. They want to be doing Monday Night Football or yesterday on Sunday or I can go down the list. The problem is we live in a day and age, in my opinion, where most people don’t want to give up those niceties of life to actually get ahead. They want to win the lottery. They want to get ahead that way. By the way, lottery, poor man’s tax. That’s all it is. I was talking to somebody about that the other day. I said, well, you know, the lottery is just a poor man’s tax. And I said, I’ve never had to play. Or I said, I’ve never played. And the comment back was, you’ve never had to. You’re right. I’ve never had to because I’ve always wanted to work and get ahead and not worry about winning the lottery. It’s a different mindset is my point. I’ve never played the lottery because I know I’m probably not going to win and I don’t want to waste my money on that. I’m going to do more productive things to get ahead versus playing the lottery. And it’s a mindset. That’s the whole key to what I just said is, and Eric’s right, you’ve got to change your mindset if you want to try to get ahead financially and not be that person, 60% of Americans that can’t afford a $1,000 expense. Veteran Windows and Doors, speaking of saving money, you can do that with Veteran Windows and Doors. I talked to Dave earlier at 3 o’clock, and the way he does it is by cutting out the middleman. In other words, going direct to you. Talk to Dave today. Just go to klzradio.com.
SPEAKER 16 :
Your home deserves an entry door that’s dependable, energy efficient, and uniquely yours. That’s exactly what you’ll get from Veteran Windows and Doors. Veteran proudly offers the entire line of Provia doors, the most efficient doors on the market, designed with countless customizable options to match your personal style. Unlike other corporate windows and door companies that push their own in-house brands, similar to what you might find at a big box store, Veteran offers Provia doors because they stand apart. These doors deliver unmatched efficiency ratings and more design flexibility than you’ll find anywhere else. Why settle for limited choices or a door that isn’t built for efficiency? With veteran windows and doors, you’ll have a one-of-a-kind entry door that makes a lasting statement for your home. Packed by Veterans Guarantee, the highest quality product in installation. Right now, take advantage of a special offer. Up to 45% off Provia Doors list price with free installation at veteran windows and doors. Get started today at klzradio.com.
SPEAKER 04 :
Suck it up, buttercup. Back to Rush to Reason.
SPEAKER 14 :
All right, wrapping up the program today, and I should mention this. Anytime you use one of our great sponsors that makes this show happen on a daily basis, please tell them that you listen to us. Whether they ask or not, let them know, hey, I heard you on which on, or I heard you here, or whatever the case may be. It means a lot to me. It means a lot to them as well. Just mention that right off the bat as you contact them. Have a great night, guys. Be safe. Rush to Reason, Denver’s Afternoon Rush, KLZ 560.
SPEAKER 1 :
Bye.
