Started From the Bottom, Now They’re Here!


Transcript

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- Getting out of debt is hard.

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So, when you've just about had it,

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it's important to remember

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why you're doing this in the first place.

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And spoiler alert: It's not just for you.

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(upbeat music)

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(woosh)

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All right, guys, we're just
going to come out and say it:

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Debt keeps us from creating
a life that we love.

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It does. And I don't know about you,

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but for me, creating a life I
love means not just for myself

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but setting my family up for success.

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Looking to the future,

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thinking about sending
our two girls to college

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and funding that now—
those kinds of things.

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Now, for some of you
who are deep in debt,

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that seems so far away.

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But hear this: No matter what age you are,

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no matter what your income is,

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it's never too late to
change your money situation.

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Now, some people have
harder situations, right?

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Like, if you have $300,000 in debt

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and you make $40,000 a year, yeah.

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It's going to take you a little while

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to climb out of that hole.

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But here's the deal: You have the power

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to make a decision to change.

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And when you make a
decision to better your life,

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it doesn't just affect you.

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It affects everyone around you.

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And it allows you to help other people.

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So, on this episode, I'm really excited,

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because we've got some great guests.

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We have host of the podcast
The School of Greatness,

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Lewis Howes, on. Yes, he's coming on

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to share his rags to riches story

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and a key money lesson that
he's learned along the way.

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And then, we have a lady
named Judy coming on,

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who changed her life.

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And you won't believe all she's doing

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to change others' lives
around her, as well.

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And hang around, because
at the end of this episode,

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I've got a little giveaway
having to do with just that.

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But first, let's talk
about one of the decisions

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that completely changed my life.

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(bouncy piano music)

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Those of you that know
my family's story know

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that my parents filed
bankruptcy the year I was born.

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And after filing for bankruptcy,

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my parents looked at each other,

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and they were like, "We're done."

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I was a newborn baby.
My sister was a toddler.

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And they were at the end of their rope,

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and they finally just said,

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"We've had it. No matter what,

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"we're going to stop making stupid
decisions with our money.

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"We're going to stop having other
people determine our destiny.

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"And we are going to
live a debt-free life."

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And because of that decision,

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my life now has been completely changed.

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And so, when we talk about

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you making great decisions for your money,

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it does—it affects everyone around you.

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You guys, just a few hours ago,

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I was on The Dave Ramsey Show,

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and we took a debt-free scream.

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And there they are with

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their little, four-year-old girl, Claire—

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adorable, blonde hair, blue eyes.

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But they paid off six
figures worth of debt.

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Yes. It took some time, but they did it.

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He worked like crazy,

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and she talked about the struggle it was,

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not having him home all the time.

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But he said,

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"It was worth it. No
matter what I was doing,

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"I was going to get ourselves out

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"of this mess that we created."

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And together, as a team, they
completely changed their lives.

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And then, I'm sitting there, looking

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at Claire—at this little toddler,

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thinking, "Man, her life
now is completely changed."

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So, again, your freedom from
debt isn't just for you.

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But as a result of you doing that,

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it's going to affect everyone around you.

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And listen, that's just my story.

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That's just their story.

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But there are millions of
people's stories around

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with that kind of impact.

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So, I decided to go
into my Facebook group,

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because I wanted to hear their stories.

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Because listen, you can make a big impact,

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but sometimes, just a small
impact can motivate you.

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And so, these stories were fantastic.

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Rebecca said, "The owner
of a grocery store outlet

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"gave me a $50
gift card, and I cried."

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$50, you guys.

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It wasn't a huge amount,

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but something small
completely changed her life.

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Shauna said, "I bought some baby formula

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"for a lady at our church. She
cried when I gave it to her."

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Jenny said, "My nine-year-old son had an appendectomy

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"last Thursday morning with
an ER visit the night before,

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"and so many friends and family
offered help and assistance.

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"Honestly, just knowing
people care made a big impact,

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"and this experience was a humbling one."

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Jenny said, "A lady gave
us a $25 gift card

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"the week of Christmas one year.

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"We were shopping in Wal-Mart.

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"I have never forgotten it,

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"and from that year on, we've done the same

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"for someone else."

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Guys, again, the impact is amazing.

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When you have freedom
from debt, what you can do—

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even if giving a little—
how it changes people.

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So, I'm really excited
about our first guest

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of the day, Lewis Howes,

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because he started from the bottom,

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and he has the most incredible story.

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You may have heard his podcast,

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The School of Greatness. It's a great one,

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so check out our interview.

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(woosh)

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All right, Lewis, thanks for being here. 
- High five!

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- Stopping in on The Rachel Cruze Show. 
- We're here!

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- Okay, so, for people
that are not familiar

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with you—who are living under a rock—

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tell them a little bit about your story,

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who you are, what you do, all the things.

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- I'm a passionate human being

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trying to make the
biggest impact as possible

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on as many other human beings.

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And I do that through my
show, The School of Greatness.

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We've got a bunch of
other programs, the books,

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but the main thing is our show.

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And I try to lead by example
by following my dreams.

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- Totally.

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But your story is pretty remarkable,

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so go into that a little bit,

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from where you started, 
from the bottom of the bottom to,

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obviously, where you are now.

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- About 10 years ago, I was
playing professional football

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just south of here in Alabama, in Huntsville.

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Playing arena football, I
got injured. I broke my wrist

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and was on my sister's couch
for about a year and a half.

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My whole identity had
been stripped from me.

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The thing that I really loved

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and was passionate about
and was good at,

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I could no longer do.

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So, I had to learn
how to reinvent myself.

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I had to learn how to become a human

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in the world without my talent.

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I had to discover what
my talents were now.

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But it taught me some
of the greatest lessons.

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You know, I think with our
pain and with our breakdown

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is an opportunity for
breakthroughs and learning.

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- That's awesome. So great.

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So, tell us a little bit more
about The School of Greatness.

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- Yeah, The School of Greatness
started out of a pain of mine.

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I was stuck in L.A. traffic,

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trying to go two miles,
and it took me two hours.

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And I was like, "I wonder—all
these people stuck in traffic—

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"they've got to do something with their time.

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"Maybe they're tired of listening to radio.

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"Maybe they want to try something different.

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"And I really wonder if
I could create something

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"where they have a resource to teach them

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"about the principles of life.

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"There were so many things
that I struggled with

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"in school—that they didn't teach me.

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"So, I wonder if I record some of these,

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"put them on a podcast, and put it out there—

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"I wonder if people would listen."

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And it's interesting—
When we do things

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because we really care about it

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and we love it and we want to serve people,

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usually, good things happen.

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- Yep.

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- Usually. Not every time, but usually.

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And I got lucky with the timing—

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with my passion and excitement for it—

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that it took off very quickly.

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- Yeah. So, list off just a few

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of your top favorite
interviews that you've done.

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- I've had Kobe Bryant—
was a really powerful one.

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Novak Djokovic, who's the
number one tennis player

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in the world right now.

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Maria Sharapova, Brené Brown—

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- So, obviously, a ton of huge people.

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- [Lewis] A lot of great people, yeah.

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- So, what are a few top pieces of advice

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that you've heard kind of consistently

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through all of these great leaders

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and these great thought
leaders in the space.

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Because I think it's always interesting,

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because, for the most part, I feel like,

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when you are successful,
there are these key principles—

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that is The School of Greatness—

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that you're learning
these great things from.

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So, what are those that you can think of?

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- One of the things that
a lot of these leaders

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and influencers have—and great minds—

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is that they have a very clear vision.

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And I think there's people
that have a clear vision

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but don't create big results,

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because they lack the
passion to pursue that.

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And I think opportunities flow

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to people who are passionate
about something they love.

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And when you consistently
show up every single day

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about the thing you
become passionate about

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and you become talented at it

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and you're clear on your vision,

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it's hard to fail.

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Or you might fail,
but you're going to learn

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and continue to grow and
evolve along the way.

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So, they have a clear vision.

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All these great leaders live in service.

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At some point, they learn
it's not about me; it's about we.

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We are a society of
seven-plus billion people,

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and it's bigger than
just my selfish desires.

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I need to learn how to serve other people.

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Give back, serve, pay it forward—

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whatever you want to call it.

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And I think that's where
true greatness comes from.

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When you can achieve something
that is meaningful to you

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and you have fulfillment in your heart

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and you have peace in your heart,

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because you know you're serving

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a greater purpose that's beyond you.

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- Yeah.

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- They learn how to embrace adversity

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and turn it into their advantage.

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So, a lot of these great leaders,

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like Kobe. He talked about
when he was 13, I believe,

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he played summer basketball,

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and he didn't score once
all summer in this league.

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He didn't even score.

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- That's amazing.
- He took shots.

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He never scored one time in a whole summer

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of this basketball league he was in.

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- Yeah.

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- And he said that adversity taught him

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so much more than scoring
a bunch of points

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when he was 13—12 or 13.

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And then, he became, arguably,

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the greatest player of all time.

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It wasn't overnight, but it was like—

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that adversity, he embraced it.

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They have this—what I
call—champions mind-set.

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They think like a champion.

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A champion isn't sloppy.

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A champion develops habits and rituals.

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And they're structured in their approach

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to achieving what they want.

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They're not just
like, "I hope it happens."

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Like, "I'm going to work sometimes hard."

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They're very structured
with their approach.

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- Yes. And I love that,
because it's basically,

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you know, the hierarchy of
that is intentional living.

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- [Lewis] Absolutely.

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- And we talk about a
lot of that on the show.

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And in order to win with money—

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money's not just going to show
up in your bank account.

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You're not going to be like,

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"Oh, cool. There's $5,000 extra 
I just didn't realize I had."

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You have to be purposeful and intentional, 
and you have to create those good habits.

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So, I love that. It's so good.

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So, to the giving point, I love that,

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because it's one of your
truths that you do talk about.

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- Yeah.

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- But living with that
open hand is something,

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that changes you—not just with your money,

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but it changes your
character and your heart,

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from being selfish to selfless. 
- Yeah, yeah.

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- So, talk about the money peace

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that you've seen in the world, right?

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I know you're not a financial expert 
- Yeah.

0:10:13.766,0:10:14.880
- But when you go and talk to
all these successful people

0:10:14.880,0:10:16.550
and you see this part of them,

0:10:16.550,0:10:17.960
there's an element of integrity

0:10:17.960,0:10:21.020
and, just, joy that they
have when they are giving

0:10:21.020,0:10:23.110
and living out of this
overflow, basically,

0:10:23.110,0:10:24.609
of what they've been given.

0:10:24.609,0:10:27.438
- The best I feel in my
life is when I'm giving.

0:10:27.438,0:10:28.271
Constantly.

0:10:28.271,0:10:29.520
And I think it's true for everyone.

0:10:29.520,0:10:31.870
When you help a friend
with something small,

0:10:31.870,0:10:33.950
when you're there to just
listen, when you donate,

0:10:33.950,0:10:37.000
when you're there to use your
resources, I feel the best.

0:10:37.000,0:10:39.160
There are great leaders
that I've interviewed

0:10:39.160,0:10:40.470
who haven't mastered that,

0:10:40.470,0:10:43.287
and I see them struggling.
- Oh, interesting.

0:10:43.287,0:10:44.120
They might have all the money

0:10:44.120,0:10:46.950
and all the accomplishments
and awards and credibility,

0:10:46.950,0:10:48.670
but they haven't mastered that fully.

0:10:48.670,0:10:51.310
And I can see a little
angst in their heart.

0:10:51.310,0:10:52.340
- So, how does that play out?

0:10:52.340,0:10:53.600
Tell me, because that's fascinating.

0:10:53.600,0:10:55.860
Because I can tell that. 
I feel like I can sense it off people.

0:10:55.860,0:10:57.320
When you're just talking
to them, you're like, "Huh."

0:10:57.320,0:11:00.100
- I think it's a lack of
legacy and greater purpose.

0:11:00.100,0:11:01.880
Like, okay, we're doing
all this for ourselves,

0:11:01.880,0:11:04.740
but when you have all the
money, and you're hoarding it—

0:11:04.740,0:11:06.860
that's not really serving
people at a higher level.

0:11:06.860,0:11:09.010
So, you've accomplished something, 
but you still feel like,

0:11:09.010,0:11:10.110
"Why am I missing something in my heart?"

0:11:10.110,0:11:11.970
- Yeah, so good.

0:11:11.970,0:11:14.168
Lewis, thanks for coming by.
- Thanks, Rachel. Appreciate it.

0:11:14.168,0:11:15.834
- Seriously, so encouraging. 
Where can everyone find you?

0:11:15.834,0:11:18.430
- You can go to lewishowes.com 
or The School of Greatness podcast.

0:11:18.430,0:11:19.263
- Love it.

0:11:19.263,0:11:20.490
Guys, make sure to check
out everything he's doing.

0:11:20.490,0:11:21.940
So encouraging. Obviously, you're going to get

0:11:21.940,0:11:24.651
some great tips on everything
when it comes to life.

0:11:24.651,0:11:27.070
(whoosh)

0:11:27.070,0:11:30.060
- Family is one of the most
important parts of my life.

0:11:30.060,0:11:33.940
And making sure everyone is
taken care of is a top priority.

0:11:33.940,0:11:36.120
That includes more than
just meal planning,

0:11:36.120,0:11:37.430
entertaining the kids,

0:11:37.430,0:11:39.970
and taking care of all
the day-to-day needs.

0:11:39.970,0:11:43.050
That's why I recommend
having life insurance.

0:11:43.050,0:11:45.090
Now, when you're shopping
for it, you might wonder,

0:11:45.090,0:11:48.270
"Should I get term life insurance
or whole life insurance?"

0:11:48.270,0:11:51.030
I always recommend term insurance.

0:11:51.030,0:11:52.790
It's going to save you tons of money

0:11:52.790,0:11:55.200
that you can put toward
paying off your debt

0:11:55.200,0:11:57.180
and funding your emergency fund.

0:11:57.180,0:12:01.730
For a 30-year-old-male, a
20-year, $250,000 policy

0:12:01.730,0:12:05.110
would cost just $15
a month for term life.

0:12:05.110,0:12:07.920
However, the same policy for whole life

0:12:07.920,0:12:10.720
would a $190 per month.

0:12:10.720,0:12:12.680
That is a huge difference!

0:12:12.680,0:12:15.120
Winston and I use Zander insurance.

0:12:15.120,0:12:18.360
They do all the work for you
by finding you the best prices

0:12:18.360,0:12:21.230
and options customized to your needs.

0:12:21.230,0:12:25.000
To learn more, call Zander
today, or go to Zander.com.

0:12:25.000,0:12:28.611
Because that's who we trust
to take care of our family.

0:12:28.611,0:12:32.450
(lighthearted music)

0:12:32.450,0:12:33.890
Isn't Lewis great, you guys?

0:12:33.890,0:12:37.160
And his podcast is fantastic,
so make sure to check it out.

0:12:37.160,0:12:38.720
All right, if you guys
are feeling inspired,

0:12:38.720,0:12:41.790
just wait until you hear
from my next guest, Judy,

0:12:41.790,0:12:43.460
who has taken what
she's learned about debt

0:12:43.460,0:12:46.870
and paying it forwardZ and
is now changing the lives

0:12:46.870,0:12:49.430
of people she works with, including Katie,

0:12:49.430,0:12:51.141
who you'll also hear from.

0:12:51.141,0:12:52.120
(peaceful music)

0:12:52.120,0:12:53.760
- When I was a senior in college,

0:12:53.760,0:12:56.750
my dad was killed in a farming
accident in our little farm.

0:12:56.750,0:12:59.190
It was an eye-opening experience.

0:12:59.190,0:13:02.025
Our farm was $750,000 in debt.

0:13:02.025,0:13:04.160
(peaceful music)

0:13:04.160,0:13:07.900
And so, as a 23-year-old,
I didn't really know

0:13:07.900,0:13:11.420
what all was happening with
the finances of the farm.

0:13:11.420,0:13:15.840
We had no bank that was
going to lend us any more money,

0:13:15.840,0:13:19.090
and my mom was still there on that farm.

0:13:19.090,0:13:21.517
And I thought, "This is not good.

0:13:21.517,0:13:25.060
"She's going to lose it, and
the farm is her life."

0:13:25.060,0:13:28.580
We really had a huge mountain
and a little bitty shovel,

0:13:28.580,0:13:30.760
but we just started—
started where we're at.

0:13:30.760,0:13:33.540
By using the Dave Ramsey principles,

0:13:33.540,0:13:37.100
we finally, now, are starting to see a goal,

0:13:37.100,0:13:42.000
and in a year from now,
we will be 100% debt-free.

0:13:42.000,0:13:45.470
And I am going to get my mother to come here,

0:13:45.470,0:13:48.310
and we are going to scream
it in front of Dave.

0:13:48.310,0:13:51.950
I realize that that story started
providing hope for others—

0:13:51.950,0:13:53.400
to have that financial freedom

0:13:53.400,0:13:55.330
and not to worry about
where their paycheck's

0:13:55.330,0:13:56.900
coming and going so quickly.

0:13:56.900,0:13:59.680
So, that, alone, just really
gave us the excitement

0:13:59.680,0:14:01.550
and the energy that, "My gosh,

0:14:01.550,0:14:03.410
"let's start this for our office."

0:14:03.410,0:14:06.270
We've coordinated at least seven classes.

0:14:06.270,0:14:07.890
It's just—what if you're
making a difference

0:14:07.890,0:14:09.400
for just one person?

0:14:09.400,0:14:12.460
If we can do it—the little family farm—

0:14:12.460,0:14:14.325
there's hope for anybody.

0:14:14.325,0:14:17.075
(peaceful music)

0:14:17.960,0:14:20.603
- Thank you, guys, so much for coming on. 
- Sure.

0:14:20.603,0:14:21.544
- So appreciate it.

0:14:21.544,0:14:23.600
Okay, so tell me, how do
you guys know each other?

0:14:23.600,0:14:27.480
- Well, so, my best friend,
Michelle, is her daughter,

0:14:27.480,0:14:29.750
and we've been best
friends since we were five.

0:14:29.750,0:14:31.500
- And you guys now work together.

0:14:31.500,0:14:32.333
- [Judy] Well, yeah.

0:14:32.333,0:14:33.430
- So fun. Okay.

0:14:33.430,0:14:35.410
So, Judy, you grew up on a farm.

0:14:35.410,0:14:38.480
You learned some information
about that as an adult,

0:14:38.480,0:14:40.890
and that kind of changed
your perspective, maybe,

0:14:40.890,0:14:42.870
on how money's handled. 
So, tell me a little bit about that.

0:14:42.870,0:14:48.200
- Yeah. I had already gotten a little bit 
of the Dave Ramsey principles.

0:14:48.200,0:14:52.860
My husband and I were both on board,
and we had a fairly easy personal story.

0:14:52.860,0:14:55.770
However, we had had kids
then, and so, we knew that,

0:14:55.770,0:14:58.600
you know what? We want to
plan for their future.

0:14:58.600,0:15:01.261
We don't want to be a burden to our kids.

0:15:01.261,0:15:03.120
And the what-ifs of life can happen.

0:15:03.120,0:15:05.750
So, we took those practices
to the family farm.

0:15:05.750,0:15:09.330
And so, in 2007, I guess—2009—

0:15:09.330,0:15:11.590
we started cleaning some things up.

0:15:11.590,0:15:13.650
And slowly but surely, you know—

0:15:13.650,0:15:18.163
You think about that story—
$750,000 thousand in debt is a lot.

0:15:18.163,0:15:20.320
- And so, to be able to share with others,

0:15:20.320,0:15:22.450
knowing that, whatever your situation is,

0:15:22.450,0:15:26.470
a lot is still something
that I can relate to.

0:15:26.470,0:15:28.905
But to start with something, 
- Yes.

0:15:28.905,0:15:29.980
- At least start with a plan.

0:15:29.980,0:15:33.400
And a year from now, in 2020,

0:15:33.400,0:15:36.500
on March 15th—her
birthday—we will be 100%

0:15:36.500,0:15:38.291
debt-free.
- Debt-free—the farm.

0:15:38.291,0:15:39.124
(chuckles)

0:15:39.124,0:15:42.756
Judy, that is so remarkable.

0:15:42.756,0:15:44.890
And then, it's trickled
in—all these principles—

0:15:44.890,0:15:47.923
to your life and your business.

0:15:47.923,0:15:50.536
- And you felt the need to pay it forward.

0:15:50.536,0:15:52.300
So, tell me a little
bit about this journey

0:15:52.300,0:15:53.610
of Financial Peace University

0:15:53.610,0:15:56.230
and you essentially helping people

0:15:56.230,0:15:57.063
that you work with with that.

0:15:57.063,0:15:59.770
- Yeah, so, years ago,
again, another engineer,

0:15:59.770,0:16:02.010
who is providing benefits
for his employees,

0:16:02.010,0:16:03.160
I always like to ask him,

0:16:03.160,0:16:04.760
"Hey, what else are you doing to help?

0:16:04.760,0:16:06.500
"Because we really pride ourselves

0:16:06.500,0:16:09.420
"on providing great benefits for our staff."

0:16:09.420,0:16:10.677
And he said, "Hey, have you ever heard

0:16:10.677,0:16:12.940
"of this Financial Peace class?"

0:16:12.940,0:16:17.540
And he had an older engineer
walk into his office

0:16:17.540,0:16:20.177
and who knocked on the door and said,

0:16:20.177,0:16:21.300
"I just want to tell you

0:16:21.300,0:16:24.290
"that this class has saved my marriage."

0:16:24.290,0:16:27.403
And as he was sharing that story to me,

0:16:27.403,0:16:30.400
"I want that. I want that for my staff."

0:16:30.400,0:16:32.934
- And so, Katie, you were one of those 
- [Katie] Yes.

0:16:32.934,0:16:34.580
- that went through it. So, how
long ago did you go through?

0:16:34.580,0:16:37.420
- January of 2017.

0:16:37.420,0:16:40.093
- Okay, okay, so a few years. 
- Yes.

0:16:40.093,0:16:43.400
And she overheard me talking
about my credit card debt.

0:16:43.400,0:16:46.357
And so, she immediately
came over and told me,

0:16:46.357,0:16:47.670
"Dave Ramsey. Dave Ramsey."

0:16:47.670,0:16:48.503
(laughter)

0:16:48.503,0:16:50.450
And so, I got on and kind of explored,

0:16:50.450,0:16:53.420
and I actually started
using the EveryDollar app.

0:16:53.420,0:16:57.280
And so, she very excitedly sat with me

0:16:57.280,0:17:01.687
for an hour just pouring over
every aspect of my finances

0:17:01.687,0:17:05.207
and just told me, you know,
"You're spending too much here,

0:17:05.207,0:17:08.287
"maybe you should take
less from entertainment

0:17:08.287,0:17:10.500
"and put it more toward
paying off your debt."

0:17:10.500,0:17:13.740
And so, because of her and that one hour

0:17:13.740,0:17:16.720
that she took out of her day to help me—

0:17:16.720,0:17:19.240
you know, young, never budgeted before—

0:17:19.240,0:17:22.480
I was able to pay off
over $20,000

0:17:22.480,0:17:24.250
in debt in 19 months.

0:17:24.250,0:17:26.943
- In 19 months, and you did it.

0:17:26.943,0:17:28.609
- I mean, can you believe that?

0:17:28.609,0:17:29.461
Do you look back, and you're like—

0:17:29.461,0:17:30.650
what was it, mostly? Credit card debt?

0:17:30.650,0:17:35.099
- Mostly student loans and car and credit card, as well.

0:17:35.099,0:17:36.090
- And if there's a 23-year-old watching,

0:17:36.090,0:17:38.230
and they think, "You
know what? Debt's normal.

0:17:38.230,0:17:39.330
"It's not that big of a deal.

0:17:39.330,0:17:41.600
"And there's no way I
can pay off that much.

0:17:41.600,0:17:43.760
"It's just too much. I'm
living paycheck to paycheck."

0:17:43.760,0:17:45.370
What would you say to them?

0:17:45.370,0:17:49.040
- It's going to be difficult,
because society wants you

0:17:49.040,0:17:51.740
to have all of these materialistic items.

0:17:51.740,0:17:54.330
And so, it's those constant,
little reality checks

0:17:54.330,0:17:57.960
of, "Where am I at, where do want to
be, and how do I get there?"

0:17:57.960,0:17:58.793
- Yeah, it's so good.

0:17:58.793,0:18:01.670
So, how does it feel being debt-free?

0:18:01.670,0:18:04.204
Tell me—the pre-Katie—

0:18:04.204,0:18:05.385
were you stressed?
Were you like,

0:18:05.385,0:18:07.570
"Ugh! I'm just not intentional."
And now, post-Katie.

0:18:07.570,0:18:08.403
Tell me the difference.

0:18:08.403,0:18:11.400
- Yeah. So, pre-Dave Katie was

0:18:12.780,0:18:15.550
very content with where I was,

0:18:15.550,0:18:17.840
paying minimum payments on credit cards,

0:18:17.840,0:18:20.340
car, you know, all the debt,
just minimum payments.

0:18:21.670,0:18:26.510
During-Dave Katie was more intentional,

0:18:26.510,0:18:29.250
and I knew sacrifice now,

0:18:29.250,0:18:32.710
so later, you don't have to sacrifice.

0:18:32.710,0:18:34.820
And I knew that. I saw that bigger picture.

0:18:34.820,0:18:37.640
And I'm still working on it. 
I'm only 25 years old.

0:18:37.640,0:18:41.580
But paying off that
debt was step number one

0:18:41.580,0:18:44.500
in creating the future
that I want for myself

0:18:44.500,0:18:45.710
and for my future family.

0:18:45.710,0:18:47.900
- Yeah, so good. So great.

0:18:47.900,0:18:51.778
So, Judy, you kind of stepped
into a major mentoring role,

0:18:51.778,0:18:53.383
because we talk about all the time

0:18:53.383,0:18:55.420
that you need someone in your corner.

0:18:55.420,0:18:57.750
And some people I talk to that are single,

0:18:57.750,0:18:58.660
it's someone at their work.

0:18:58.660,0:19:00.820
It literally is the same exact story.

0:19:00.820,0:19:02.070
Or it's a friend.

0:19:02.070,0:19:04.980
So, as a mentor, what caused you to say,

0:19:04.980,0:19:07.560
"Gosh, I want to be able to
help this next generation.

0:19:07.560,0:19:09.840
I want to be able to give
this hope to other people.

0:19:09.840,0:19:11.440
- Yeah, and it's just,

0:19:11.440,0:19:13.600
"What if I can make a
difference for just one?"

0:19:13.600,0:19:16.320
And so, then you think, "Well,
maybe there's just one more,

0:19:16.320,0:19:17.610
"or there's just one more."

0:19:17.610,0:19:22.220
And I just love it. I cannot say the kind

0:19:22.220,0:19:25.590
of joy that it gives
me to be that what if.

0:19:25.590,0:19:26.630
And it's that person,

0:19:26.630,0:19:28.823
who just needs to have their story heard

0:19:29.920,0:19:32.700
and to help them. You know,
the biggest challenge I see,

0:19:32.700,0:19:35.200
as a coordinator, is people just
don't know where they're at.

0:19:35.200,0:19:36.033
- Yes.

0:19:36.033,0:19:38.150
- Just that is so helpful 
and so to get people to understand that,

0:19:38.150,0:19:41.630
"Let's just put that first plan—

0:19:41.630,0:19:44.030
and it's the first step—the hardest step

0:19:44.030,0:19:46.280
is that first step.
I know that's what Dave says.

0:19:46.280,0:19:48.150
I mean, it's just getting started.

0:19:48.150,0:19:49.680
- So good, you guys.

0:19:49.680,0:19:50.767
Seriously, so inspiring.

0:19:50.767,0:19:52.501
And I love having the
two generations here.

0:19:52.501,0:19:53.334
- Yes!
(laughter)

0:19:53.334,0:19:56.820
- That doesn't always happen, so it is— 
because it's amazing, like you said,

0:19:56.820,0:20:00.850
just the amount that the
little sacrifice of time

0:20:00.850,0:20:04.750
to put into someone's life
and truly, completely change the way,

0:20:04.750,0:20:06.370
not only do they view money,

0:20:06.370,0:20:08.710
but what they do and the habits
they create going forward

0:20:08.710,0:20:12.530
and what your future is. And so much is thanks to Judy

0:20:12.530,0:20:13.920
and the work that you put in.
- Absolutely

0:20:13.920,0:20:15.810
- So, I think that that's
just—it's so fun.

0:20:15.810,0:20:17.210
So fun to see you guys win

0:20:17.210,0:20:20.548
and that the farm's going to
be paid off in a year!

0:20:20.548,0:20:22.290
I love that so much. So great.

0:20:22.290,0:20:24.600
Well, thank you, guys, for
coming on and sharing your story.

0:20:24.600,0:20:26.679
- Thank you, thank you.
- Thank you for having us.

0:20:26.679,0:20:29.264
(upbeat music)

0:20:29.264,0:20:31.862
(upbeat music)

0:20:31.862,0:20:33.730
(upbeat music)

0:20:33.730,0:20:37.440
- Wow. Judy and Katie—
they are just so inspiring.

0:20:37.440,0:20:39.980
I love their story.
I'm so glad they came on.

0:20:39.980,0:20:42.260
Now, we want to pay it forward.

0:20:42.260,0:20:45.117
So, the first 30 people who text,

0:20:45.117,0:20:48.016
"Get Started" to 33789

0:20:48.016,0:20:52.170
will receive free Financial
Peace leader materials.

0:20:52.170,0:20:53.950
You guys, completely free.

0:20:53.950,0:20:56.566
First 30 peopl.
So, do it now. Do it quick.

0:20:56.566,0:20:59.930
Because we want you all
to have financial freedom,

0:20:59.930,0:21:01.830
but that means we're going to
have to work together.

0:21:01.830,0:21:03.640
Thanks so much to Lewis Howes

0:21:03.640,0:21:05.830
and Judy and Katie for stopping by.

0:21:05.830,0:21:08.650
And if you guys have not
subscribed to my podcast yet,

0:21:08.650,0:21:09.800
make sure you do that.

0:21:09.800,0:21:12.610
Just search "The Rachel Cruze
Show" wherever you listen.

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And thank you guys for watching.

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And remember, take control of your money,

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and create a life you love.

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(woosh)