Join Angie Austin as she delves into the world of financial empowerment with special guest Jim Stovall. They unravel Jim’s weekly ‘Winner’s Wisdom’ column, focusing on the pride and power of living a debt-free life. Through personal experiences and insightful discussions, Angie and Jim highlight the importance of financial milestones and how a shift from consumer debt can pave the way for liberating abundance. This episode is loaded with wisdom, showcasing the transformative journeys toward financial independence and a holistic approach to wealth building.
Welcome to The Good News with Angie Austin. Now, with The Good News, here’s Angie.
SPEAKER 03 :
Hello there, Angie Austin and Jim Stovall with The Good News. And we are talking about his winner’s wisdom column this week. Every week he writes a new column and teaches us something new. And I love this one. This one is something that I love to teach my children. Debt free. Hello, Jim.
SPEAKER 02 :
Well, hello, Angie. It’s always good to visit with you.
SPEAKER 03 :
Always great to visit with you. So what are you teaching us in Debt Free this week?
SPEAKER 02 :
Well, you know, it’s – getting into debt is fun. And getting out of debt doesn’t have a lot of icing on the cake. There’s not a – you know, if you buy a new car in – Borrow money for the whole thing and put yourself in huge debt. You’re driving this car and all your friends think you’re cool and you’re online. You know, you pay off your house and get out of debt. Nobody knows anything. It’s just a simple deal. And, you know, we need to restore that feeling. And for me, I go back to a memory. I was nine years old. And in the summertime, my dad would come home from work and grill out in the backyard maybe once or twice a week when the weather was nice. And I remember I would always go out with him, and I’m nine years old, and I said, okay, the charcoal’s ready. And he said, well, before we grill, we’ve got to do something special today. And he gets this file folder and hands me these papers, and he said, we’re going to burn these papers right here. And And I said, what are these papers? And it looked like Greek to me, you know. And he said, this is the mortgage on our house. He said, we just paid off our house, so we don’t owe anybody any money ever again anymore, and we have paid off the house. And this is an important thing, and I want you to do it so you’ll always remember this. And so I put these things in the fire, but I’ve always, always remembered that because it’s something you want to remember. And Crystal and I, when we finally got out of debt and I paid off the last thing in the mortgage on our house, I told her, we’re going to do that because the bank had sent the paperwork already. And I said, I’m going to start a fire. We’re burning this. And she said, before you burn that, let me switch papers with you. Because she said, I have the mortgage. You’re holding the paid off deed to our house. So thankfully, she kept me from burning that up. But it really, you know, it’s a great thing to celebrate. It’s just getting out of debt. And that’s an important thing. And we just, there’s not enough money. you know, applause and ovations that go with it. And there’s so many fun things in the short term about getting into debt. I think we need to look at really celebrating that and make it a priority. One of the great milestones in your financial life is the day you go from a negative to a positive. You now don’t owe anybody any money, and we need to make a big deal of it.
SPEAKER 03 :
And, you know, getting into the personals of your employees. Didn’t you once tell me that every one of your employees that’s worked for you, I mean, your employees have worked for you for decades, that their homes are paid off? Yeah. That’s amazing.
SPEAKER 02 :
Yeah, nobody here has a mortgage, and they all have nice homes, and they all are financially independent, shall we say, to say the least. And, yeah, they – And so I am very, you know, and I had a reporter ask me when I had wrote my millionaire map book, a reporter said, is there anything cooler than the feeling of becoming a millionaire? I said, yeah, when people that work for you become a millionaire, that is cool. And, you know, when you help somebody else do it. Yes. So, yeah, but everybody wants to be a millionaire. Everybody wants to do all these things. It all starts when you get out of debt. When you read the amazing book based on the largest study of millionaires, The Millionaire Next Door, there are no millionaires that have a credit card balance. They don’t have car loan debt. They don’t have all this stuff. And if you want to be financially independent… you know, you start by being debt-free. And I don’t, you know, I’m not talking about Learjets and limousines and all that, lifestyles of the rich and famous. I’m talking about just owning your life again and not worrying. I mean, Crystal and I have wonderful things in homes and cars and things and travel, but we would give all of that up just to continue to be debt-free and to one of our greatest possessions is our emergency fund. We have a fund of money that would maintain our lifestyle for probably a year, and it’s just sitting over there doing nothing. But what that does, I mean, for the first part of our marriage, everything was a crisis. The roof’s leaking, it’s a crisis. The car’s smoking, it’s a crisis. The refrigerator’s making a funny noise, that’s a crisis. Because we couldn’t afford to fix anything. Now, it’s not a crisis, it’s kind of an annoyance. Hey, call somebody and tell them to fix that. And, you know, that’s all there is to it. Because, you know, the crisis goes away in your life, and the panic goes away in your life. And You know, that’s that’s the great feeling about it. But, you know, it all starts. You don’t get anywhere until you get out of the holes and be debt free. And if you’re in debt now, the first thing you want to do is stop digging. I mean, at least quit going into debt every day. Stop digging. And unfortunately, we have some very bad examples in Washington among our leaders in them. This is a concept they haven’t grasped yet. I mean, we cannot continually spend money we don’t have. I mean, you know, Will Rogers talked about after the roaring 1920s, we had the Depression. And he said we went on a decade-long drunk and thought we weren’t going to have a financial hangover. And that’s what we got. And so, yeah, but it all starts with you and me and staying debt-free and starting to build our future.
SPEAKER 03 :
You know, I’m just astounded by the little things that you can do that can keep you kind of ahead of the game. This is an interesting conversation I had with my mom this morning, and it’s been a big bone of contention in our relationship over the last many decades. When I was in high school, she lived in low-income housing from about the time I was maybe, I don’t know, quite a while, like maybe 8, 10 years old. And I, when I was leaving college, I worked full time, as you know, put my self through school, had no student debt, didn’t get the Pell Grants. I didn’t even know about it. I was that way. And I remember a friend of mine getting one and her parents owned a pretty successful business at a really nice house. And I’m like, you get free money for college. She’s like, yeah, I get Pell Grants. I’m like, how does that work? Like, that’s crazy. Uh, as I’m living in low income housing and she’s living in like a really nice house with her parents. I’m like, this is so crazy. You can qualify for this. So my mom, um, uh, is I’m leaving college. I’m moving to LA and she is, uh, still in low income housing. Well, you pay a third of your income and I’m like, well, a third of your income when you have a bunch of kids in a big apartment, a low income housing, that’s a great deal. So let’s say you’re making 30 grand a year, you’re putting 10 grand out or so for your housing. Um, and that’s a pretty good deal for family. It’s not a great deal for one person. So I’m like, Oh, for one person, why don’t we use that money and put it towards a home so she can actually like build some wealth. So, uh, I she couldn’t qualify for a loan. She had medical bills. She couldn’t even qualify with me unless I paid off her medical bills. So I did that. I paid him off. I got her into a townhouse. I found an agent. We started looking. I was like twenty twenty one at the time. Got her moved in. I bought her furniture and I was getting ready to leave within a year, I would say. And when I left, I didn’t get a job in L.A. for, I’d say, about six months when I got my job at NBC, which it’s funny how I was able to finagle my way in there with very unique, interesting photos. I kept sending the people in the newsroom there, passing them around laughing, like we’ll work for food with like a glamour shot. And then I got known in the newsroom. It was just that they had to bring me in just to see me and talk to me. But six months, I’m living in an apartment. I’m running out of all my funds, and my mom’s now safely in a house, not in low-income housing, and she’s accruing equity in her home. And later on down the line, I get a job. I buy my own home. She ends up losing her job in a factory, sells the house, makes a profit. I’m like, you keep it. The house was for you anyway. It wasn’t for me. And she ends up moving in with me. She pretty much has lived with me off and on for the last 30 years. So when she moves back in with me, we’re having all these spats, like she’s angry and she’s got grudges against me. And you know, all the money in her retirement account, I saved with one of my brothers and I started saving for her retirement when I was 19. I mean, we were dirt poor, but I was putting money away for her and not a little bit, Jim, we were putting in the maximum amount you could in this, in this particular kind of retirement fund, maybe a couple of grand each a year. So I’m working like a dog. It’s like a month’s pay or something, you know? And so, I find out that all these years she’s been harboring a huge grudge that I really did her dirty because I wasn’t sending half of the house payment for her home because I was on the deed, that I was on the loan. And I you could have knocked me off my chair with a feather. I said, you mean that gift that I gave you that no one that I even know at 20, 21 years old, not a single friend was putting money in their parents retirement account, living in low income housing, working full time. and helping their parent buy a home like it’s unheard of mom that and I bought you a car like you maybe 10 years later I’m like kids don’t do that when they’re that young and so I finally just Jim before I called you I had to sit her down I just sit around literally this late in my life I said mom may I please explain to you how I didn’t do you dirty because she’s like, well, your name was on the house, and you should have been sending me half of the payment. I said, Mom, I was making $10 an hour, and I was running out of money in Los Angeles. I mean, I would have been homeless if I sent you half of the house payment. I don’t even get the logic in that. So after I explained it to her bit by bit, piece by piece of how I did it for her, and I even looked up the homes in that neighborhood where we were living, these townhomes, are right now between 400,000 and 800,000. And they said, see, mom, you would own this now. And that’s what I was trying to do for you to accrue wealth for you. And the condo I bought in L.A. is now well over two million. That’s how you gain wealth, mom. That’s how you build wealth by buying real estate, buying homes, you’re making investments, saving money. And so I said, do you understand that I didn’t do you dirty, that I was actually trying to do you a huge financial favor? And I think, Jim, she finally got it, but it really bothered me. And that’s what we’re talking about living debt-free. That’s what I was trying to do for her.
SPEAKER 02 :
Yeah, there are two kinds of thinking in the world when it comes to money. There’s a scarcity mentality, and then there’s an abundance mentality. And people who have a scarcity mentality think that everything’s a win-lose situation. If you get ahead, that means I didn’t, because they see the world as limited. I mean, there’s only so much, and when you get something, I didn’t get it. You know, we can’t both win. But when you get an abundance mentality, you realize everybody can win. You know, your success doesn’t keep me from being successful. Well, people with scarcity mentalities have a tendency to believe everything’s wrong, everything’s against them, everybody’s, you know, messing them over. You know, you’re getting ahead, and you didn’t take care of me. And my grandfather told me when I was really young, he said, plan on earning everything you get in your life, and you’ll never be disappointed. Just plan on going out. You know, you’ve got to leave the cave, kill something, and drag it home. That’s what you’ve got to do every day.
SPEAKER 03 :
I love that. I love that he taught you that. I remember when my mom was having to move out of my house when I was getting married. My husband’s like, she’s young enough. She can live in her 50s, I think, or maybe 60s. And so we found an apartment for her. And I remember she just was throwing the biggest temper tantrum. And she locked herself in the closet and was screaming at me and my husband. And she said, you don’t understand. She owes me. Angie owes me. And my husband goes, hello, Dr. Dorges. You gave birth to her. She didn’t give birth to you. She doesn’t owe you anything. And it was the first time like an outsider came in and like kind of put everything in perspective for us.
SPEAKER 02 :
Yeah. No, it’s great. But you know, it’s good to, you know, and that’s what I think when the scriptures talk about, oh, nobody, oh, no man, anything, you know, or neither a borrower or lender be. And I think that’s both financial and emotional. You know, you, you know, that debt your mom had to get rid of was, was not just financial, but emotional because she thought you owed her something. And, uh, Man, you’re not owed anything.
SPEAKER 03 :
And I think, Jim, the thing that I want to make clear, too, is I wanted to do these things for my mom. I’m not – I may sound bitter. I wanted to do them. It just is a little bit hard to – it kind of sticks in your craw, I think they say, if the terminology is correct, Wayne. You do it, and then they don’t appreciate it or think you’re hurting them. But I wanted to do these nice things for her. Oh, we’re out of time, Jim. Always appreciate our conversations. JimStohal.com if you want to find one of his 60 books, read about Jim or find about his next movie. Thank you, Jim. Thank you.
SPEAKER 04 :
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SPEAKER 01 :
Elizabeth is dialed in to the mighty 670.
SPEAKER 03 :
Hello there, friend. Angie Austin here with the good news. The good news today, we are going to help you prepare. Prepare for what? Prepare for disasters. You know, interestingly enough, we just bought a house with our son in Boulder. He goes to school at CU Boulder. And we found out on the closing day that there were some extra things to take care of or do due to the fact that it’s in a floodplain in Boulder, unlike a hill. Seriously, it’s in a floodplain. OK, also, hurricane season is, you know, upon us. And we already know about that in the news, of course. And if you don’t have a home near the coast, maybe you travel there, take cruises there, vacation there, have a vacation home near the coast. And sometimes inland gets hit as well. And one thing we definitely know about here in Colorado, wildfires. And I’ve had a lot of contact with my friends in California who are dealing with the aftermath of a huge wildfire that hit Pacific Palisades and Malibu. And then my cousin’s constantly clearing trees from Northern California from her land where they basically live in a forest. So they’re always prepping for fire season. I mean, seriously, every year that’s like their big winter job is prepping for fire season. So today we’re going to talk about limiting potential damage before disaster strike. And we’re going to talk about being financially prepared. And joining us are two experts in the area today. Michael Richmond Crum, Senior Director of Personal Lines and Council with American Property Casualty Insurance Association, and Dr. Ian Giammanco, Lead Research Meteorologist for the Insurance Institute for Business and Home Safety. So a meteorologist, too. Welcome, gentlemen. Yeah, thanks for having us. You’re welcome. Now, a lot of people think you just need to prepare if you live on the coast, but we all know these come inland and we have damage from rain and winds inland as well. And then if you’ve got vacations at homes in these areas, we need to get prepared. I think one of the things we can do right away that a lot of people don’t do is how important is it for us to right now start reviewing our insurance policies to check to make sure we have enough coverage to repair or rebuild our homes? We just went through all of this and you have to really be prepared. careful about how much coverage you have if something happens to your home.
SPEAKER 06 :
Yeah, that’s right. With hurricane season right here and as we’re coming up onto the heart of hurricane season, this is a great reminder to really take an opportunity to look over your insurance policy. Take it out. Take a read. Make sure that your risk and your coverage match up. Take the opportunity to reach out to your agent or your insurance company if you’ve got any questions. You want to make sure that really you’ve got, one, a good understanding of what your coverage is and that it matches up with whatever risks you’re facing. We’re talking about this during hurricane season, but maybe you live in an area where there’s more wildfire. or some other flooding-related event that may be more impactful. You want to be aware of that. And one of the things that’s really important when you’re dealing with a homeowner’s insurance policy, and a lot of people think that flood coverage, and that’s that rising water event, right? They think that that’s covered under a standard homeowner’s insurance policy. Generally, it’s not. So if you are in a place or your home or vacation home or a place where there’s flooding, and the good rule of thumb is that where it rains, it floods, you’re going to want to go out and make sure that you’ve got a flood insurance policy. And you can get that through the National Flood Insurance Program and some private insurance companies offer it as well. And because we’re in hurricane season, it’s important to note that it takes about 30 days for that policy to kick in. So you may need to act quickly to make sure that you’ve got that coverage.
SPEAKER 03 :
Oh, my goodness. I can’t even believe that you’re talking about this because we just bought a rental home with my son in his college town, which is in Boulder, Colorado. So you wouldn’t think we’d need flood insurance, right? No, it’s in a floodplain. We’d never bought it in our lives. We literally just bought it on the 7th, right? So when you mentioned that, so many things we had to put into like figuring out these plans because you got the property, right? So when they gave me like the rebuild amount, I’m like, well, that’s not what my house is worth. But they’re like, well, you already have the land, so we’re not buying the land. And all of my friends that live in – I worked at NBC in L.A., So many of my friends out there have had to go over their plans because who knew that some of their major neighborhoods would be destroyed by these fires? And people take this stuff for granted, but we just had an instance where we really needed our insurance coverage. And let me tell you something. You need to review it because if you don’t have it, you are in deep trouble.
SPEAKER 06 :
Yeah, absolutely. You really do want to take an opportunity to review it and make sure everything lines up. You know, you – You provided some great examples of sort of instances where you don’t necessarily know what kind of coverage you’re necessarily going to need or, you know, after the fact, maybe you didn’t have enough coverage and that’s not great. So, you know, while you’re talking to your agent, you might want to talk about things like automatic inflation guards to add on. We’ve seen prices go up for rebuilding. and replacement that’s a way of making sure that you know that inflation isn’t going to impact your ability to rebuild also extended replacement costs when you when you have these larger catastrophic events sometimes it takes a little bit longer and a little bit more to to sort of get the the rebuild the rebuild done for your property and that that can help out and in the case of older homes um you know you may want to look into things like code and ordinance coverage Maybe you’re in an area where the building codes have improved over the last several days. Yes, yes, yes. And you’ve got an older house, and so you’re being grandfathered in. And so if you’re going to be rebuilding, you’ve got to build up to these higher codes. So you want to make sure that that’s covered. The important thing at the end of the day is to just be well-informed. And talking to your agent or company is the best way to go about doing that.
SPEAKER 03 :
Oh, my gosh. So you’re saying things I just learned, like we’re eight feet under the floodplain. So we’re like, oh, we want to just make the garage into an APU. They’re like, oh, well, you have to go eight feet up. So when you have to rebuild, what do you do then? You better find out, because like you said, we couldn’t rebuild the house the way it was rebuilt in the 60s. So, wow. All right. Hey, yeah. We’ve had a lot of issues in our area, too, with the roof and garage, but particularly roof. Why are those two areas, roof and garage, so important when it comes to hurricanes and severe weather in general?
SPEAKER 05 :
The roof particularly is the place where we look first, right? It’s our first line of defense with any kind of severe weather, whether it’s under storm or hurricanes. And we see predominantly the amount of claims we file from weather events are often related to our roof. So it’s one of the places when you do need to re-roof, you have a chance. It may be one of the few chances you get to truly strengthen your home. So we encourage folks to go check out our Fortified Roof Program at fortifiedhome.org. It’s got the three steps you can do to make sure your roof is strengthened when that time comes to re-roof. And then you mentioned garage door, right? That’s a hidden vulnerability that I think a lot of us don’t think about. I never thought of it. It’s a big opening, right? Yeah, so when garage doors fail, and whether it’s even a tornado, a hurricane, the chances of us having structural damage to our homes go way up. And that’s because all that air, the wind rushes in and starts pushing up and out on our walls from the inside out. And that’s the same direction the wind outside is trying to pull it apart. So you’ve doubled up. If not more, those forces that your home has to resist. And unfortunately, most of our buildings aren’t designed to handle all of that force. And we see structural damage happen that otherwise wouldn’t have had we had a good, solid wind rated garage door that could resist those forces. So those are the two places. And folks often ask me, Ian, what’s the two top things you do to an existing home? I’m going fortified roof and I’m getting a wind rated garage door that’s got 130 mile per hour wind rating or higher.
SPEAKER 03 :
Hey, you’re singing to the choir because every roof around me, like directly six homes, had to be replaced due to severe weather. Ours didn’t because we have stone-coated steel. Nothing. No leaks. Nothing. We’re the only roof that didn’t need to be replaced in the immediate vicinity of our home.
SPEAKER 05 :
That’s a great point. We’ve seen… We are starting to see a lot more high-performance roof materials and metals, whether it’s discontinued or discontinuous stone-coated metal or the standing seam, which has performed really, really well and can offer durability over time. The unfortunate thing we’ve seen, especially with asphalt shingle roofs, is once those roofs hit the 10-year mark, their vulnerability to strong winds starts to go way up pretty quickly. And that’s something that we have to think about, especially if, say, we’ve moved into a home, we’ve been there for 10 years, and we haven’t replaced our roof, so we know it’s older than 10 years. That might be the time that you need to start thinking about a roof replacement. And again… That’s one of the really good times to make some cost effective, true structural strengthening changes to your roof to make sure your home is stronger.
SPEAKER 03 :
You know, guys, when that severe weather rolled through and all those roofs were replaced, I mean, literally just all over the neighborhood, our insurance went up and we’re like, wait a second, we didn’t have any problems. So let’s talk about what kind of impact this increasing severe weather we’re seeing in recent years has. has on insurance costs and what we can do about it.
SPEAKER 06 :
Yeah, so we’re in what’s known as a hard market, right? And you mentioned these weather events and natural disasters. In recent years, we’ve seen a large number of billion-dollar damage events. Particularly, actually, over the last five years, we saw about 505 billion insured losses, and that’s most for any five-year period. And so with those losses that are brought on, one, because we’ve seen a lot of weather events, and then two, we’re seeing inflationary pressures add to the cost of rebuilding and replacing these properties. And then third, we’ve got these larger footprints of communities that we’re building larger and more expensive homes in. We’re seeing a lot of larger losses in terms of dollar amounts all across the country. So that’s one of the reasons Dr. Giammanco and I are here because one of the ways that we can help address the cost of insurance around the country and in individual states as well is really to help improve the resilience and fortification of private homes. Because if you take anything from replacing a roof or addressing your garage door or even making smaller changes around the house that just really help to limit the damage, it helps to sort of curve the market downward and sort of helps alleviate that financial pressure that I think we’re all sort of facing, right? I mean, we’ve got inflationary pressures all across the board. Nobody wants any additional expenses coming their way for any reason.
SPEAKER 03 :
Well, I think when you mentioned flood insurance, you know, here I’ve been doing news for 30 years and I didn’t know that I wasn’t covered, you know, in my regular plan and that I had to buy that separately. And had I not bought this place in a floodplain that we weren’t even aware of, I would have never even known that. And so that’s a good thing for people to know as well. Now, in terms of prepping properties, you know, for hurricane season and for disasters in general, what fixes do you think can really make a difference besides that garage door, the roof, etc.? What else?
SPEAKER 05 :
We covered the two big ones there, but I think sort of the one that I talk about a lot, the big bang for your dollar is looking at trees that surround your property, specifically those that are right up against your home that may have limbs that overhang your home. Tree damage is a huge driver of loss, whether it’s severe thunderstorms or hurricanes. And take a look, one, just get those trimmed. I did my house a couple of years ago. We had a maple that was overhanging our roof. That, one, presents maintenance problems with your roof, too. But it also, those limbs can come down in wind events that don’t, they wouldn’t normally even cause a disruption to your life. And when they do, they damage that roof material, whether that’s shingles or something else. And, again, opens the door, proverbially or pun intended, to water coming in. And we know water in our homes is bad wherever it’s coming from. So that one is one we talk about when we do this kind of outreach work. You can get some really big bang for your buck. And then there’s other little things. The home inventory, you know, just documenting all your belongings, your appliances, your electronics, that is so easy. You can do it either video or photos with your phone. And so if you do have to file a claim, it makes things just a bit smoother to have all that documentation done. And then just touching up things like keeping gutters and down styles clear. Water can get away from your home. And then check for leaks around doors and windows. Maybe you saw that during a big rain event. You can caulk those up from the outside, seal them up nice and easy. And so a couple little things that can also start to make pretty big differences over time.
SPEAKER 03 :
And when you talk about the trees and the wind, also the fires. My friend lives in a fire area in the California mountains, and they’re constantly knocking down trees every – big property, though – trees every winter. But I didn’t even – I’ve got a couple myself I think could use a little trim back. Thank you both so much. Just things that we should be thinking about that we put on the back burner, and then we figure this stuff out too late. Where can we go to get more info?
SPEAKER 05 :
Yeah, from everything on how to get your home ready to go for the next event – And I’ll tell you everything from wildfire to thunderstorms. Please check out IBHS.org. We have what’s called a ready guide there. We’ve got them for hurricane, thunderstorm and wildfire. So you can just Google IBHS wildfire ready, thunderstorm ready or hurricane ready. You can get there, but I’ll just go to IBHS.org. It’s a great place to start that search. And like Michael and I always say that first step is always the best one, whatever it is to make your home ready for the next one.
SPEAKER 06 :
And again, that’s related information. Go ahead guys.
SPEAKER 05 :
I-B-H-S dot org. And for these related information.
SPEAKER 06 :
And for the insurance-related information, you can check out apci.org slash hurricane for any information you need about insurance coverage and how to do an assessment and reach out to your company.
SPEAKER 03 :
Thank you both so much. Appreciate all the great info. Thanks for having us. You bet. Thank you.
SPEAKER 01 :
Thank you for listening to The Good News with Angie Austin on AM670 KLTT.
Join Angie Austin as she delves into the world of financial empowerment with special guest Jim Stovall. They unravel Jim’s weekly ‘Winner’s Wisdom’ column, focusing on the pride and power of living a debt-free life. Through personal experiences and insightful discussions, Angie and Jim highlight the importance of financial milestones and how a shift from consumer debt can pave the way for liberating abundance. This episode is loaded with wisdom, showcasing the transformative journeys toward financial independence and a holistic approach to wealth building.
