Preparing for Life’s Unplanned Events

Trial lawyer Gary Anton had a tough – but rewarding and very accomplished – career in the legal profession. It taxed his personal life, but he had some good times along the way.

At the height of his career a serious but unexpected near-death medical emergency changed Gary’s outlook on life and how he did his job. Not to mention it compelled some serious action with end of life planning.

Gary shares how he adapted professionally and financially to his new reality.

Listen in to find out…

  • The retirement planning you need that you don’t know about

  • How health can impact your career and life – and how to make needed changes

  • Financial planning you need for potential tough times

  • Ways to take care of your surviving loved ones

  • And more

Listen now…

 

GARY ANTON INTERVIEW 3/15/2018


John: Hey, folks, this is John Curry. I have the pleasure today of sitting across the table with my friend Gary Anton. Thank you for being here today.

Gary: You say it’s a pleasure. If you say it is, that’s correct.

John: Well, some people you encountered along the way because of your past life, they may not want to be around you even today.

Gary: Well, most of them, my wife included.

John: Inside joke, folks. Gary, for most of his career, was an attorney, a litigator, but more on that later. Today, we’re continuing a theme about planning for life’s unplanned events as much as you can, but also the concept of health and wealth. You can have a lot of money, Gary, and just be loaded to the gills with money, but if your health is bad, the money is not as important. And also, you said earlier that, if you have health problems, you could end up spending all of your money and have no wealth. So, we’ll touch on that also, but let’s start off about how we first met. In 1978, tell the folks where you were at that time, what you were doing.

Gary: You know, I don’t remember if I had just graduated undergraduate or was just starting law school, but it was ’78 and that’s when I graduated from undergraduate and started law school, so it was somewhere right around that time. And I think you gave me a cold contact, and I figured, Wait a second. I’m graduating from law school… I mean, I’m graduating from undergrad, going into law school. Maybe I need some insurance.

John: Right, back then, it was you replied to a mailing I did regarding mortgage protection, so you bought some life insurance to take care of the mortgage on your home.

Gary: That’s right.

John: That was our first step working together. It was a long time ago.

Gary: That was.

John: Long time ago.

Gary: That mortgage is long since paid off.

John: Yes, isn’t that a great thing?

Gary: Yes.

John: That is a good thing. So, tell us a little bit about what type of career did you have in law?

Gary: I had a good career. I actually enjoyed what I was doing. It was all civil law. Graduated law school and entered the Bar in 1981. When I got admitted to the Bar, I was 6-2, blond hair, blue eyes. Thirty-six, -eight years later I’m six-foot under, bald, and blind. So, I think I had a successful career, but I had a very good career, a very rewarding career in law, very trying so to speak and very pressure-packed, but very challenging, and I was always up to the challenge. I liked it.

John: Was the majority of your work trial work?

Gary: Yes, that’s why I say I was 6-2, blond…

John: Got beat up a lot.

Gary: … oh yeah, when I started trying cases. Now look at me. Yeah, most of my work was trial work and very, very demanding, extremely demanding timewise away from home, away from vacations, having to cancel vacations, having to cancel bowl games. And those are the types of things, when you don’t control your calendar, somebody else dictates, particularly judges, when you need to be somewhere and what time. So that was a big issue, not being in control of my calendar and it was stressful, but it was very enjoyable.

John: Very rewarding, I would think, too.

Gary: Yes, oh, very personally rewarding. I don’t want to blow my own horn, but I did real well. I was an expert in what I did. I’m still certified in certain areas of the law as an expert by the Florida Bar, and I rose to the top at what I was doing. I was representing major companies. I’ve had cases decided by the United States Supreme Court. I’ve appeared in courts all over the country. I’ve taught law for ten years. I’ve lectured all over the country. I focused on a topic throughout my career, and I enjoyed what I was doing so I excelled at it.

John: That’s great.

Gary: And then health.

John: Let’s break down what you just said though before we move on to that next about health. You made a comment about control of your time, and what went through my mind is time freedom and money freedom. We see so many clients who… they hate their jobs, so they can’t wait till they get able to retire, and then all of a sudden, they’ve got all this time, but they haven’t planned for the time. “Well, what do I do?” They have no hobbies, no interests, so what you’re talking about is controlling your time to the extent that you can, but you also made a comment about pressure. Pretty much everything we do nowadays as far as work puts some type of pressure on us. In our world it’s regulators. And we have to be very careful what we say and do because people, state, federal… they’re taking a look at everything we do. So, you don’t dare do anything improper… unless you’re stupid.

So, let’s go back to what you said about time, especially judges. Without revealing a name of anyone, share with our audience what you shared with me about the vacation you had to cancel. Because I remember early on in our relationship, you were mad as hell because you had to cancel a trip.

Gary: Yeah, we will leave the name of the judge anonymous. We had planned a Christmas vacation with family in South Carolina, and we were going to conclude that vacation with a bowl game, the Gator Bowl on January 1st and then, oh, a couple of weeks maybe in December… I knew we had planned this long before except for the bowl game, of course. We found out about the bowl game and were able to set it up. But after that, the judge decided he was going to set a trial because w couldn’t settle a case, and he set the trial date the day after January 1st. January 2nd I was to report to trial. Well, what did that do? That messed up my vacation because I’m trying to have fun with my family, relax, and in the meantime, my whole stomach is in knots getting ready for this trial and wondering what was going to happen. And sure enough, we had to cut the vacation, the Christmas vacation short, drove right past the Gator Bowl, waived my tickets out the window on the way past, and I still have those tickets. Never made it.

John: As a memento.

Gary: Yes. That is frame worthy.

John: You should frame those and put them on the wall.

Gary: I have my Woodstock tickets framed, because that was a very favorable memory. That memory of going by the Gator Bowl when the ’Noles are playing… It was a major game at the time. It was back in the ’80s and the ’Noles were doing okay. Yeah. No, I still have those tickets.

John: All right, and you just said Woodstock. Did you go to Woodstock?

Gary: Yes.

John: I never knew this about you. So tell us that story. I want to hear this.

Gary: Well, I had graduated from high school in late May of 1969 and the day after graduation a bunch of us jumped in a Volkswagen van. I had a guitar that served as a suitcase. I had a duffel bag that had some clothes and we just took off to New York. And then I decided I wanted to go visit some friends up in Boston. I had $20 in my pocket and it was a $10 trip, a $10 ticket to fly from New York to Boston. Well, I got to Boston with $10 in my pocket, and I couldn’t find my friend, so I hung around there for a while. And it was 1969. It was in the middle of the heyday of long hairs and the hippies and there was music everywhere and Boston was great. It had 30-something colleges and universities. I was having the time of my life. And I got wind of this concert that was going to happen in New York, and I sent away and bought my tickets ahead of time, $5 each day, so $15 for three days’ worth of music. And they ended up having to change the location at the last moment because the City of Woodstock said no, and then they did it in Bethel.

John: On the farm.

Gary: Yeah, on Max Yasgur’s farm. Though I remember about 8:00 in the morning, I stuck my thumb out on the interstate hiking to New York. Go across Massachusetts into upstate New York and didn’t bring anything with me. I had my clothes on my back, I had my tickets, I had a wine flask. I figured I’d run out of wine; I could put water in it anyway, and that’s about all I went with. I didn’t have a change of clothes. I didn’t have any knapsacks or no blankets, no sleeping bags, and as we got closer, the traffic just started backing up. Now, I was early. I got there on Friday morning basically, Friday afternoon, but the traffic was so backed up. The traffic was stopped and I was hitchhiking so I just got out of the car and would walk. When traffic would start moving again, everybody would jump on the back of the car they were next to until the traffic stopped again, Then you’d drop off and walk a little bit more. And I got there just as they were taking down the fences, and I walked over that hill. I never saw so many people… that many people in my life. Still haven’t seen that many people in my life.

John: I was going to say you probably haven’t since.

Gary: I mean, that was just an awe-inspiring sight and for three days. It actually went into Monday morning and it was just a great time. Lots of good people. The conditions were terrible, the food; the toilets were overflowing; and it rained; it was muddy, and everybody was just enjoying themselves. The music turned out to be a soundtrack because there was so much going on around. I didn’t sit down much and just sit there and listen to the music. I did, but a lot of the time I got up and wandered around and made friends. I didn’t go with anybody so I was just exploring. I ended up behind the stage at one point somehow. I don’t know how I got there, and there were a bunch of musicians that had been playing and were jamming behind the stage. I had no idea who they were. About 3:00 in the morning and there were people just sitting there jamming. I spent an evening working in what they call the trip tent where people were having bad LSD trips. And all I had to do was sit there and talk to people and it worked out great because it was raining and I was in a dry spot.

John: And you were dry.

Gary: I was dry. So I made the most of it. The music was phenomenal. The people were just absolutely great. It’s the most influential time of my life, the most influential three days… four or five days actually, because I got there early and stayed late. Really had a big impact on me.

John: That’s an awesome story.

Gary: And I have the poster hanging up in the club, as well as my tickets from Woodstock, because I went with hardly anything, but the only thing I came back with was a shirt on my back and the tickets, which were in my pocket. I had a military-style shirt on, long sleeves, button-down pocket, so I was able to keep the tickets. I lost everything else that I had come with. I went back with the tickets and still have them.

John: That’s awesome. You mentioned club. Tell them what club you’re referring to and we’ll circle back and tell them more about your club later.

Gary: Oh, yeah, the Bradfordville Blues Club. That’s what I’ve done to redeem myself for everything I did these 36 years as a lawyer, and I’m redeeming my karma. And Kim and I have run the club for about 16 years. It’s a blues club internationally recognized. Got an international award again this year, named one of the top music vendors in the world for six years in a row.

John: Very nice.

Gary: Doesn’t make any money. It’s an unintentional nonprofit, but I’m having the time of my life.

John: So, rebuilding that karma, as you put it.

Gary: Rebuilding that karma and reenergizing and taking advantage of my retirement.

John: That’s a good segue into why you retired. Talk a little bit about why you got out of the litigation world. You’re still a licensed attorney. You still do some legal work, I think.

Gary: Yes.

John: But tell us what happened. What caused you to take an early retirement?

Gary: I was in good health other than small minor things, blood pressure, stuff like that, but otherwise I was in pretty good health and Kim and I had gone to the first Bowden Bowl in Clemson. We came back that Sunday. We usually take all the back roads because we like to see the back country, but this time, it was late and we decided to take the interstate. And within 15 minutes of the time that we made it to the house, all of a sudden, I was just in excruciating pain. I have never felt pain that bad in my life. And Kim immediately took me to the hospital, and it turned out I had what was called acute pancreatitis. Gallstones traveled out of my gallbladder into the common bile duct and lodged in the bile duct and shut down many of my internal organs. And that put me in the hospital for a month, intensive care for a couple of weeks and two weeks of induced coma.

And that took a lot out of me, physically, emotionally, mentally. I mean it was a heck of a rehabilitation period because I was in the hospital for so long, and it made me realize that life is fleeting. I mean, I was coming back from a football game. I was just having a great time, and the next thing I know, I’m in the emergency room. They didn’t think I was going to make it. They summoned my family, and that’s how quickly things can turn, and it did turn for me.

Fortunately, I was able to recover from it and able to resume my life, but I wasn’t quite able to resume the rigors of the practice that I had before. But that also caused me to change my focus, my life focus, doing more of the things that I wanted to do, spending more time with my family, spending less time practicing law, not worrying about billing 15 hours a day, weaning myself from the litigation practice that had taken up so much of my time and doing more of the things that I wanted to do.

John: How old were you about this time?

Gary: Forty-eight.

John: Forty-eight. Young man.

Gary: Yeah. At the pinnacle of my career at the time.

John: So many times in my career, 43 years now of doing this, I hear stories very similar. For me, it was my heart surgery July 10, 2008, open heart surgery, three blocked arteries. For others it’s being diagnosed with diabetes or something like that or heart trouble. And I hear people say, “You know what? I’ve got to slow down. I’ve got to get some redirection in my life.” It’s not just about going to work and making money and, you know, have the big status symbol and all that stuff. And sadly, some people never get that. But what was your transition? Once you recovered, did you just cold turkey say, “I’m done with this?”

Gary: No, I weaned myself into mediating cases. I quit handling major litigation. I was handling class actions, which had me very, very busy traveling all over the country, very, very stressful, time-consuming. I couldn’t practice for a few months during the rehabilitation period, so my rehab period actually made a lot of the decisions for me. And so, when I was finally able to get back to the point where I could practice, I had decided I was not going to continue on on the same path. And I found something much more amenable to my style and that was becoming a mediator, where I was mediating cases and not being in the middle of the ring duking it out with an opponent but actually as the referee in the ring, trying to help people settle things. And that was much more suitable to my desires at the time to get away from the extreme rigors of practicing law and litigating and trying to spend a little bit more time doing what I wanted to do. And in fact, Kim and I… that was 1999 and Kim and took over the Bradfordville Blues Club in January 2002. So it kind of led into my next life venture.

John: I remember us having an appointment one time to talk about your business stuff, and I had suggested we have an early meeting, like breakfast or maybe 8:30 or 9:00. Back in those days, I was seeing five, six people every day, started at 7 or 7:30 breakfast, and I remember you saying to me, “John, I can do lunch, but I’m not going to do breakfast. I’m not going to do 9, probably nothing until after 10.” And you’re nodding your head. Do you remember that?

Gary: Oh, absolutely.

John: Tell everybody who’s listening some of what your attitude and philosophy was back then, because I loved it, because you took a stand and you did the things you wanted to do. So share that.

Gary: I did. I mean, once I got control of my calendar where it wasn’t being dictated by deadlines and rules and courts…

John: And judges.

Gary: … I decided I would go to work when I woke up, and it was rare that I got up before 10:00. I’d show up in the office around noon. If I had a mediation, they started at 10:00. I already decided that I was going to relax a lot more and not be in the rat race of having to wake up every morning and get to the office and shave and shower and wear a coat and tie. I came in the office in very, very casual clothes. Still do when I do go out except when I mediate. I will put on a tie and a coat, but nowadays, I’ve got a pair of clean jeans and a pair of dirty jeans. I wash the dirty ones and wear the clean ones and then wash the other pair.

John: You’re like a cowboy. Two pair of jeans, one you wear and one you’ve got for backup.

Gary: Yeah.

John: You know, I’m just thinking about that. I don’t think I’ve seen you wearing a tie in probably 20 years.

Gary: Yeah.

John: I bet it’s been 20 years.

Gary: It has. I won’t wear a tie. When I had a court appearance, I would wear a tie. When I mediate, I would dress appropriately, but other than that, I’ve given away most of my suits and ties. In fact, I had so many ties, I gave a lot of them to this one woman who comes out to the club, Peggy Adair. And she made a comforter out of them.

John: Wow.

Gary: And I use that to cover my sound board at the club. So I’ve got a neat blanket that’s made out of my old ties that I see every day at the club.

John: Next time I’m in the club I want to see that. I want to see that because I bet that’s cool. So, talk a little bit about the transition. So you became… you did more work as a mediator, the referee. I can see that. So instead of having to duke it out, you’re trying to get people to resolve their problems instead of fighting. So how was your health at that point and how did it progress?

Gary: The health was okay. I mean, I never really returned to the pre-pancreatitis state. I mean, physically I was… they had to remove some of my organs and I had rehab that I had to do, and I just was tired. So that was part of me slowing down and not exerting myself as much. So I kind of slowed down what I was doing and slowly but surely moved out into advising clients instead of litigating. I made a conscious decision I was not accepting any more cases that required me to go to court. I referred those out. I had clients that I had built up over my 30-something years of practice that I continued to maintain and did a little bit of advice and consulting work. I did mediations and then March 9, 2016, I had a liver transplant and that really changed everything, because I knew at that point… I didn’t know when the transplant was going to occur but I knew it was going to occur sometime soon, because I was way up on the list. So I had to make the decision to close my office because I knew I was not going to be able to afford running the office. I was not going to be able to practice, and there was going to be quite a downtime with the liver transplant. So at that point I decided, There goes my law practice. I will focus on mediations once I get back on my feet. And that’s what I did. So, essentially, my health in 1999 dictated my career path, and then the liver transplant further dictated a change in my career path. And that’s when it was almost entirely mediations, nothing but mediations and my club.

John: When you came in the door and Jay asked you a question about how’s your day going or something, you made a comment about it’s a good day. You woke up this morning and you’re looking down at the grass, not up at the roots.

Gary: Yeah, my New Year’s resolution is to wake up every day, and so far, from 2017, 2018, I’ve kept that resolution.

John: That’s a good thing.

Gary: Yes, it’s a good thing. It’s good to be seen. I’m not being viewed. Life is good.

John: Something I’ve always admired about you, Gary, since I met you is you’ve always got this upbeat mindset. Some people hearing this and some people thinking about this would say, “Wow, how do you deal with something like that?” And the truth is you just deal with it. But over the years, you’ve never had this woe-is-me attitude. You’ve always just said, “Hey, this is life. I’m going to deal with it,” and you’ve adjusted. Talk about that.

Gary: Stuff happens in life, and there’s things that you can’t control. And I’ve just realized the things that I can control. Those things I can’t control sometimes throw curve balls my way, and I just have to overcome them and just have to adapt, though I’ve always kind of had a flexible attitude. It doesn’t do any good to wallow. I know I have my physical limitations now based upon my health conditions. I have some cognitive limitations based upon my health conditions. I realize what they are and I just have to adapt to them, and I’ve always had a pretty good attitude. It’s just that… one thing I’ve always learned is there are certain things in life that are going to occur that you have no idea what they’re going to… what’s going to happen, when it’s going to happen, how it’s going to change your life. And when it does, then it’s a matter of adjusting and living with that condition and accepting it. I wish I didn’t have to have the liver transplant. I wish I didn’t have that pancreatitis, but it’s all had silver linings. I have a much better quality of life now, and I don’t have the income I did, but Kim and I have done a good job of tightening our belts and living within our means and enjoying the time that we have. And I thoroughly enjoyed spending the day yesterday with my granddaughter.

John: Great.

Gary: You know, here I was in the middle of the afternoon spending time with my granddaughter and my daughter. That’s what life is all about. It’s the good things, the small things in life.

John: Well, you know, over the years, what you and Kim have done is you’ve been good stewards of what you have. Even when you had the higher income, you never were, that I know of, frivolous with your money. You were always serious and took good care of that.

Gary: So, yes, Kim and I did some traveling. Yeah, we enjoyed ourselves. I have not been cheated. If I die at the end of this interview, I can say that I’ve not been cheated in life. I’ve enjoyed life, and it’s a little bit different than it was. I don’t have the security that I wish I would have had, because I’ve had to use most of my retirement, but that’s part of what happens. We planned for it, the unexpected occurred, and it was there.

John: Very good. And you made some tough decisions along the way, you and Kim, from the standpoint of you set money aside to save in the 401k. I helped to a point, but let’s be honest about it. You had to take action and follow through. You can have the best plan in the world, but if you don’t take action, what good is it? So the two of you took action.

Gary: Automatic withdrawal from my paychecks, my salaries. I mean, it was money I never saw.

John: Yeah.

Gary: That was the way to do it. I just figured out how much did I need to live on and everything after that went into the 401k.

John: Right. Right. What advice would you offer people who might be listening to this and they’re on the edge about something, either their health or they’ve not done a good job of saving money or planning for retirement? What advice would you offer anyone who’s listening?

Gary: Yeah. Why spend money on insurance? And then, boom! I remember one day you called me and said, “You’ve been denied for life insurance. You better go talk to your doctor.” And I found out that I had a virus that made me uninsurable, and so, from that point forward, I had to live with what I had. And, you know, that happened totally unexpected. That was something that I had no inkling of, and I was fortunate while I was young to plan ahead and purchase life insurance that I still have for the most part. You know, I suggest to anybody who is waffling on health or life insurance, that’s something you need to take care of when you’re in good health, because you don’t know when that health is going to disappear, that good health is going to disappear and you become uninsurable.

John: I remember sitting there and the doctor tells me, “We don’t need a stent today because we’ll be doing triple bypass.” It changes your health real quick. And I’m just thinking I’m out of breath because I had gotten overweight and not been exercising. The only thing I know, I’m in there and they’re doing a little triple bypass open heart surgery. So the health status can change just like that.

Gary: Just like that.

John: It changes. It changes that quickly.

Gary: And without any warning. You know, sometimes you do have warnings but many times you don’t have that warning, so you can’t rely on, “I’m going to wake up the next morning,” or, “I’m going to be insurable and I’ll pick up that extra hundred thousand dollars in life insurance,” or “Maybe I’ll get a better health insurance policy.” The thing to do is, while you’re young, while you’re healthy, to take care of those things. I used to moan and groan and complain about how much I was paying in insurance premiums, and I still do, but had I not, I mean, I now, at least, if I pass, my wife and my daughter and my granddaughter are in good shape.

John: Right.

Gary: If my wife passes, I’m in good shape though, you know, we’ve planned for the, you know, the future and nobody gets out of this alive. I don’t know who’s going to go first, but at least, we’re able, when we were able to plan ahead, to buy the insurance that we needed, including the health insurance.

John: In our world, we talk about protect your days first. So many people say, “Well, I’ll get around to the insurance side later.” So we believe in the philosophy, protect your days first, and that’s what you did way back when you were a young guy and I was young. We’re not so young anymore, but that’s what you did.

Gary: Just because we’re bald and blind and gray and….

John: Well, you’ve got more hair than I do. Yours is longer, too. But definitely bald on top here though. But that’s what you guys did. You and Kim did the right thing early on, and you planned for your future. And now, you still have a good lifestyle.

Gary: Yeah, and when we planned for it, when we bought it, I didn’t think, you know, I didn’t think anything of it. I’m not going to need life insurance any time soon. I’m not going to need that health insurance. You know, it was… I got good advice and I took the advice I was given, you know, to the extent that I could. So, I mean it’s… and you give good advice. You’ve given me… we’ve been working together 40 years now.

John: That’s right.

Gary: Forty years.

John: And I’ve been doing it… You know, I just had a thought. It wasn’t just about you could die. You benefitted by the living benefits of your insurance, too.

Gary: Yes, I did.

John: You’ve been able to use money and do things, then put it back, so it’s been a good journey. Talk a little bit about what the future holds. Tell us a little bit about what you do with the Bradfordville Blues Club. When you bought that thing, I thought, You’re doing what? So tell us how that happened. Take the last few minutes and share that and tell your story, because I think that’s your future.

Gary: I had been a music fan. In fact, I played guitar. Well, wait a second. I thought I could play guitar.

John: Yeah, same here. I thought I could.

Gary: Yeah, I even went to the Berklee College of Music in Boston, one of the most prestigious music schools in the country and still thought I could play guitar. But then when I went to law school, it kind of pulled me away from my passion and I started living it vicariously by going out to what was called Dave’s C.C. Club at the time. And Kim and I were there just about any time the club was open. We helped Dave out. I loved the music. I loved the blues. Now, the club itself is just a phenomenal location and very unique character and history behind it, and we found ourselves in a situation where Dave had to close it because they had to move. And I just so happened to come into a little bit of money at the time. I can’t remember what it was. I sold an asset or something, and Dave said, “I’m closing.” I said, “Okay, I’ll buy your assets.” And Kim and I talked about it and said okay. We had no idea what we were getting into. Never at all.

John: You were a lawyer. You weren’t a manager of a club.

Gary: I was a lawyer and I was still practicing law and I was wondering, you know, okay, it might be fun for a year or two. You know, we’ll try it out and see what happens. And 16 years later, I haven’t worked a day yet. It’s allowed me in my retirement to actually have fun. It’s something I do. I have less time now in my retirement than I did when I was practicing. I thought practicing was too time-consuming. The club is very time-consuming, but it’s so enjoyable I love what I do, and it allows me to not have to worry about… You know, I’m set with my Social Security and other income sources. The club doesn’t make any money. It’s an unintentional nonprofit. But again, it’s a quality of life issue. I’m enjoying the heck out of being able… every weekend I’ve got to listen to that stuff, some of the best music in the world. And the customers that come by there are such great people and it’s the community that helps keep us alive. So it’s just a lot of fun to do that. And as long as my health holds out and if people keep coming through the doors, you know, we’ll continue to have fun out there.

John: See, you’re doing something you enjoy doing, you’re benefitting from it because you get to hear the music, and you’re opening those doors to other people to come share your passion.

Gary: Yes, yes, and we developed a very, very good reputation. I don’t have to look for bands. I get five to ten requests a week for bands that want to play there, so we have our pick of the litter. And given the location where we are right on I-10, if you’re going into South Florida, Tampa, Miami, Jacksonville, you got to go through I-10. So the bands stop off on their way here or if they’re going up the East Coast. Or if they’re coming from Chicago going in this neck of the woods, they want to stop and play. So we get our pick of the litter, and that’s what’s made it so nice.

John: For people who don’t know where the club is, tell them where your physical location is and then tell them some of the bands that have played and what’s on the drawing board for the future.

Gary: Well, it’s the Bradfordville Blues Club. It’s off of Bradfordville Road. It’s off a dirt road called Moses Lane and then you crawl up a goat trail called… actually, you go down the dirt road, Sam’s Lane. The goat trail is Moses Lane, and you have to look for it. It’s off the beaten path. You just don’t drive by it and say, “Oh, let’s stop.” You’ve got to know where it is, and….

John: You’ve got to be intentional about finding it. The time I went I thought I was in the wrong place.

Gary: Oh, we get calls all the time. “I’m on some dirt road. I can’t be in the right place.” In fact, one of the musicians from San Francisco came and we had a bonfire out there, and when she showed up, a black musician, she saw a bunch of white guys hanging around the bonfire and she would not get out of the van. She thought she came up on a Klan rally she was so far back in the woods. But that’s the best asset and sometimes it’s the worst asset, because it’s so far out. Some people say it’s too far out, but I think people now have gotten used to it, but the first number of years, I mean, people say, “Oh, that’s too far to go.” But Tallahassee’s built up around us.

John: So they keep coming, too.

Gary: Oh, they keep coming. We have the same… we have a large group of people. We see a lot of the same people, lot of new people. It’s Friday and Saturday only so I don’t have to keep those hours all week long. Every now and then we might do something on a Sunday. We have a bluegrass event on Sundays and we have other events on a Thursday or…. It’s just a weekend-type of thing unless a special event is going to go on. And beer and wine is all it is. We have a lady who fries some of the best catfish this side of the Pacific, Ms. Ernestine. I mean, her catfish is world-renowned. People write about it. We have a lot of travel writers come out, a lot of travel writers. We probably have three dozen articles about the place and almost all of them talk about Ms. Ernestine’s catfish.

John: Nice. I haven’t had the catfish. I’ll have to check that out.

Gary: Well, the mullet’s not bad either. Mullet around here just ain’t a bad haircut. It’s a good-eating fish.

John: Very good fish. That’s right. Tell people how to go about getting tickets. If somebody wants to check it out and buy tickets, how do they do it?

Gary: Well, the Bradfordville Blues Club, we’re back in the woods down that goat trail, but we actually have electricity, running water, indoor plumbing, and a Website, bradfordvilleblues.com, and that has a calendar of events and you can link to the bands to see who’s showing up to see what they sound like. You can buy your tickets there and get reservations and discounts by buying online. And then it’s a matter of finding the place. A lot of people will come out there during the day, you know, because they don’t know where it is, so they come out during the day to find their way.

And we also got an award from the State of Mississippi Blues Commission. It’s called the Mississippi Blues Trail marker. It’s the only Blues Trail marker in the State of Florida. There’s about a dozen of them or so outside the State of Mississippi, but the award, the plaque, a big marker, was awarded because of the historical significance of the club to the blues and what was called the “chitlin’ circuit.” The musicians back in the ’30s, ’40s, ’50s, and ’60s, particularly the black musicians, weren’t very welcome in many places. And there were a circuit of clubs that they traveled, the black jazz musicians, blues musicians, the soul and R&B musicians, and they would stop by there. And we ended up getting a plaque from the State of Mississippi because of the historical significance because that place was there for people to stop by and play when they’re going from Mississippi to somewhere else. So, it’s a…. And I did not realize how significant that Blues Trail Marker was.

People drive up all the time. People plan vacations around the Blues Trail markers to visit them all. So we get people from all over the world. We’ve had people fly in from Italy just to come to the club. From Germany, we’ve had bands from Japan and all over the world, Israel. It’s a really neat club. It’s very, very unique. It’s out in the woods. It’s very rustic, but it is bona fide juke joint. Now, we’ve done nothing to change it. It looks like it did when it was first built. The paint’s still the same color. We dust it once a year whether it needs it or not. We change the lightbulbs every now and then.

John: That’s funny. You have fun. You’re having fun. Let’s circle back to this thing about karma you made a comment earlier about. A way of redeeming yourself for all the stuff you did as an attorney. I think you’re doing it; don’t you? You’re helping a lot of people have fun and you’re having fun.

Gary: Yes. That’s, you know, probably the most rewarding thing about the club are the comments that people give us, you know, how unique it is and thanks for doing that. And we get a lot of recognition from the arts community, the international arts community because of the cultural aspect of the club. And it’s just so rewarding to know that people enjoy going out there. Now, it’s not for everybody, but by and large, we’ve got a very dedicated group of followers, supporters, bands, agents. It’s just a lot of fun. I mean, we have a lot of special events. I’ll be conducting a wedding out there in a couple of weeks. I’ve conducted probably six, seven, eight weddings. Almost all of them, people who had met out there. One of the people actually got engaged. The man got down on his knees on the stage during the set break and proposed. So, it’s… yes, it’s very rewarding, personally rewarding.

John: I’m just looking at your face as you describe this, and every time you talk about the club, it’s always the same. Your eyes are bright, big ol’ smile, relaxed. You’re just like… as my grandfather would say, you’re in hog heaven.

Gary: I am. I’m having the time of my life. Sixteen years and I haven’t worked a day. I put in some blood, sweat, and tears. You know, there’s a lot of effort going into it, but it’s just so much fun. It’s the most enjoyable thing I’ve ever done in my life next to being married and being a grandparent and a parent. No, no, no, I wouldn’t say that. If I had my druthers, I would have started as a grandparent and skipped the parenting part. A lot more fun being a grandparent.

John: A friend of mine likes to say that having grandchildren is the reward for not killing your children.

Gary: Exactly, exactly. And now my daughter is, you know… revenge has set upon her. She’s dealing with the same stuff we had to deal with.

John: Well, let’s wrap up here, Gary, and let’s end by circling back and talking about how over the years what you’ve done is by training as an attorney. There were certain things you had to prepare for. You understood the importance of preparing for trial. You had to do your homework. Then you had to take action. And that applies in all areas of our lives. How would you respond to someone who says, “Yeah, I get that. That’s easy for you because you had the training as an attorney.” But how do you respond to someone who says that? And what advice would you have as far as how to get started and how to stay on track when all these things come at you and they can knock you off track?

Gary: One word… preparation. I mean, when I was an engineering inspector back in the ’70s for the State of Florida and Broward County, I didn’t have any real background in it, but I was hired in that capacity. I took some classes, but I prepared. I mean, I read a lot. I did whatever I could to educate myself. When I became a lawyer, I was up against some of the best lawyers in the state, in the city, and they were far more experienced than I was. I prepared and my preparation got me over the lack of experience. Preparing for the club, I have to prepare every week for the shows. It’s just a matter of focusing on something, knowing you’ve got to do something. You’ve got to recognize what you need to do, and then that is preparing. The preparation is the key to anything you do. When you’re cooking, you’ve got to have prep first, you know. When you’re getting ready to go out somewhere, you’ve got to prepare. Where are we going? What time do we need to be there? Preparation is the key to my life. That’s gotten me over a lot of hurdles.

And having somebody like yourself, and I’ve had many, many mentors in law who helped me prepare and helped me get to where I am. And would I have recognized a lot of the things that I needed to know without the mentoring, without the advice? No. And a lot of that’s listening to what people have to say and getting the right type of advice… and listening to it. Don’t just let it go in one ear and out the other but listen to it. I mean, we had a meeting a few weeks ago and I’ve gone back and I’ve reread through all the notes and the emails, and, you know, it’s a matter of following up, not just preparing but following up. But preparing is the key and then following up.

John: And that’s the thing I look at is the… I have always said I’ll outwork other people when I started early in my career. Work hard, work hard, work hard.

Gary: That’s right.

John: And always take care of your clients. Nothing, nothing is allowed to disrupt your client relationship. You always take care of your flock. Always.

Gary: Correct. Um-hum.

John: Gary Anton, thank you so much for taking the time today.

Gary: It’s been a pleasure for 40 years.

John: Thank you, my friend.

Gary: May we do another 40 years?

John: I hope we do. I hope we do.

Folks, I hope you enjoyed this presentation. Please, go out and check out the music at Bradfordville Blues Club. I know you’ll enjoy it. I will tell you though, take some earplugs, and if you forget yours, Gary has some available. But it’s a lot of fun.

Voiceover: If you'd like to know more about John Curry's services, you can request a complimentary information package by visiting johnhcurry.com/podcast. Again, that is johnhcurry.com/podcast. Or you can call his office at 850-562-3000. Again, that is 850-562-3000. John H. Curry chartered life underwriter, chartered financial consultant, accredited estate planner, masters in science and financial services, certified in long-term care, registered representative and financial advisor at Park Avenue Securities LLC.
Securities products and services and advisory services are offered through Park Avenue Securities, a registered broker-dealer and investment advisor. Park Avenue Securities is a wholly-owned subsidiary of Guardian. North Florida Financial Corporation is not an affiliate or subsidiary of Park Avenue Securities. Park Avenue Securities is a member of FINRA and SIPC. This material is intended for general public use.
By providing this material we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. All investments contain risk and may lose value. Past performance is not a guarantee of future results. Guardian, its subsidiaries, agents or employees do not provide legal tax or accounting advice. Please consult with your attorney, accountant and or tax advisor for advice concerning your particular circumstances.
Not affiliated with the Florida Retirement System. The Living Balance Sheet and the Living Balance Sheet logo are registered service marks of The Guardian Life Insurance Company of America, New York, New York copyright 2005-2020. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by Park Avenue Securities or Guardian and opinions stated are their own.
2020-98149 Expires 4/2022
 

 

Creating an Effective End of Life Plan

Marylin Stallworth’s husband, Bill, died unexpectedly in October 2014.

The couple, married 50 years, had been enjoying a comfortable and secure retirement thanks to following through on sound financial planning.

But they had left a few key parts out of their plan that made a traumatic time for Marylin even worse.

In this episode, she shares what she would have done differently, what she’s doing to improve her end of life planning to help her son, and what actions she says you should take right now to make your loved ones’ lives easier when you pass away.

Listen to discover…

  • The power of the Living Balance Sheet

  • How to make sure your financial accounts are up-to-date (they might not be)

  • The questions a funeral home will ask that your loved ones should know

  • The 4 elements you must keep in mind for end of life planning

  • And more…

Listen now…

 

 

 

2020-93791 Expires 1/2022

How A Life Coach Can Help You

You’re stuck. Perhaps in your job or business. Or you can’t seem to stay on track with your weight loss goals. Maybe your finances are a mess.

Modern life throws a lot at us. But whatever is holding you back… you don’t have to go it alone.

Connie Clark, of Striving Forward Coaching, is a life coach. And she shares how professionals like her help clients get from wherever they are now to where they want to be in their lives.

Tune in to find out…

  • The crucial differences between a life coach and mentor

  • Why your goals must be measurable, reasonable, and achievable

  • The key to success in any coach-client relationship

  • How to determine if you need a coach… and how to find the right one

  • And more

Listen now…

 Transcript:

Curry: Hello. This is John Curry. I have sitting with me today my friend Connie Clark, and I’m excited about interviewing Connie, because she is a life and wellness coach. Her Website is StrivingForwardCoaching.com. You’ll hear more about that later. But, Connie, thank you for joining me today. I’m looking forward to learning more about your coaching.

Clark: Oh, thank you so much for having me.

Curry: My pleasure. Let’s start off with the very first question, which is obvious. How about explaining to me and our listeners what a life coach is. What is it you actually do?

Clark: Okay. That could be a long answer, but I’ll give you the short version. So a life coach forms a partnership with a client, and basically we help people get from where they are right now to where they want to be. And that may sound like a simple process, but with working with many different people we see, you know, a lot of people just get stuck in areas of their lives. And sometimes they don’t really know that they are stuck or how they got stuck or how they get unstuck especially. So we just sort of help them break it down a little bit, going to their thoughts. Like, how did… what’s going on in their mind. And we talked about this earlier. A lot of people want to go right to the action. Like, show me what to do and how. You know, show me how to get there. Show me what I need to do.

Curry: That’s probably most of the men, right? They want to do it now.

Clark: Exactly. A few women are like that, as well. And what we try to do is, you know, actions are important. We hear Nike: “Just do it.” But it’s not that simple so we really need to back up. It starts in the thought process and that helps us figure out where we got there and then helps us to build some track and we pull out some tools. Mostly, it’s just asking a lot of questions and helping people really get to the part where they want to be and to have sustainable results, to be able to continue. And it’s not a quick fix.

Curry: You mentioned earlier that when you’re sitting with someone that you have tools to help them evaluate where they are today.

Clark: Right.

Curry: Would you take just a moment to kind of explain how that works?

Clark: Uh, yeah, there’s many different things, and after I work with somebody or a brief introduction, we’ll figure out, you know, what it is that I can best help them with during our time. A tool that I use often is called the wheel of life, and it takes just a few minutes. I especially use this in retreats. It’s great for groups or it’s great with individuals, and it has eight basic areas of our life. And by looking at each area, rating your satisfaction level with each one, it causes people again to get back to that part that says think. Let’s think about this part. For instance, one of the spokes of the wheel is personal development. Another one is your personal finance. Health and aging. So that’s just a few of them.

So there’s eight of these. And ranking that, people really think about it. And then we look at it and we see this wheel and we see where things are off balance and we see if these spokes are even or if there’s dips, there’s highs, and it really helps us to assess and it helps the client to look at this wheel and actually see where some areas are where they can make some improvement. So that’s kind of a beginning.

Curry: I like the metaphor of the wheel, because if any one spoke is loose or broken, the wheel is not going to go straight.

Clark: Exactly, exactly.

Curry: I keep listening to you and I’m thinking about in my work I let people do an assessment values in a secure retirement scorecard.

Clark: Right.

Curry: And what it does, it lets people determine for themselves where they are and what their priorities are without me lecturing to them. “Well, you got to do this. You got to do that.” I don’t think any of us like to be told what to do.

Clark: Right, right. It’s interesting. Some people do come to me and they want me to tell them how to fix something. And as a life coach, I’m not here to find the problem for you. You’re going to… in our talking we’ll discover that and discover solutions so we’re moving towards a positive part of that.

Curry: Very good. I’ll bet there are times when somebody will come to you with a, quote, problem and because of your interviewing process they discover, “Gosh, that’s really not the problem. It’s something else.” That might be the root; it might be the result of the problem. Is that right?

Clark: That’s very true, very intuitive. And a lot of this… you know, I’ll just back up. In our world today we’re so quick. We have so much technology. We’re so efficient. We just want to get to the answer quickly, okay?

Curry: So true.

Clark: We’re all guilty of that; however, in this process it does help. It helps us to just slow down and by focusing on that, and as we talk a little bit and take the time to talk, it’s a discovery time, much like your security retirement program. It’s pulling that out.

Curry: And I find… and I bet you do, too… it’s hard to get people just to slow down and be present. They’re thinking about the future, worrying about something, or they’re dwelling on the past. If I can just get them to sit and have a conversation like we’re doing now, then they forget about time and they have a conversation. And many times, I bet they’re telling you, “Here’s what I need to do,” and then once you work through it, they’re able to get going.

Clark: Exactly, exactly. And one of the other tools that I use is also Aim-SMART and it’s used in a lot of different ways in many areas of business, with different names but it’s basically a goal worksheet. It helps us to really break things down and that’s an important part of coaching, too. Again, to just take the time, break it down. We look at an issue and it can seem overwhelming. So we help people break it down so that they have manageable goals. And we always pick, like, you know, what’s your acceptable goal? What’s your ideal goal? And what would you settle for? What would be the middle? And then get very specific, you know. What’s the first step? And they’re like, “I’m going to save $100 this week.” Or, “I’m going to put away $1,000 this month.” Okay, let’s break it down a little bit more. How is that going to happen? And so you make sure it’s measurable. You make sure it’s achievable. Make sure it’s reasonable. It may not be reasonable. I have this with some people that have come to me with help for weight loss. And they say, “I’ve got this big reunion coming up.” Sound familiar?

Curry: Tomorrow. I need to lose 50 pounds.

Clark: Well, you know, “I want to lose 20, 30 pounds in two weeks.” And so, as a coach, I cannot judge. I’m not going to look at you, John, and say, “John, that’s crazy. You’re not going to do it.” Because you could do it. Maybe you could. But I just ask the questions, you know. “So how would that look? So what does that mean for this week?” So we work through this and I say, “Is that your ideal goal?” Or “What would be your minimal goal?” And so we work through it, and then, you know, I get to the point, “Is this reasonable?” And it’s like no. Sometimes we back up and go back through it.

And so I had this with a client one time so she got down to that. That was her goal and she said, “You know, if I could get into this size pants by three months, I’d be happy.” And it was a much more attainable goal. And I didn’t tell her that. I didn’t say she couldn’t do it. I didn’t say, “This is what you can do.”

Curry: She discovered for herself.

Clark: She discovered for herself.

Curry: What does the “T” stand for?

Clark: The “T”?

Curry: You said specific, measurable, achievable, reasonable, and then I didn’t catch the “T.”

Clark: Time oriented. I’m sorry.

Curry: So it’s got a timeline on it.

Clark: Exactly. And again, breaking it down. Not, “When are you going to lose that 30 pounds.” Or not, “When are you going to get into that size six pant?” “When are you going to complete that first step?” So we’ve already… so this is also helping us with that action plan. You know, what is it going to take to get there, you know? “I think I’ll stop eating that hamburger for lunch.” Okay.

Curry: Or butter pecan ice cream at night.

Clark: Or, “I think I won’t…” Yes, exactly. So, when you’re going to complete the first step and, again, we’re breaking it down. And the last part of this is, “Who will you be accountable to?” We are human beings. We are meant for relationships. So we connect and we need to be accountable. And a lot of times it’s someone in their family, someone that they work with that they can be accountable to, and I’m always that person they can be accountable to, and I will ask them, “How do you want me to hold you accountable?” So whatever, I mean, some people want, you know… I will text them at six o’clock tomorrow if they want me to. Or I will be as strong as they want me to be. I will be as passive as they want me to be, but I want you the client to tell me how to do that.

Curry: See, you’re a lot nicer than some of the coaches I’ve…

Clark: (Laughter)

Curry: I’ve been doing this for 42 years and I’ve used various coaches.

Clark: Okay.

Curry: And I have two guys… or three that are named Steve actually, but one in particular, his style is like a drill sergeant in the military. He is judgmental. He’ll say what he thinks in his world. But people love that about him because people who come to him have more of a military background. They have a lawyer background, and some say, “I want to get this done. I want to get it done now. Don’t waste any time.” But then, there are other people who he turns off because they say, “Whoa, too strong for me.”

Clark: Right, right.

Curry: “Too strong for me.” Connie, tell us the difference between a life coach and a therapist or a mentor. What’s the difference?

Clark: Okay, that’s a very good question. So a therapist usually deals with problems and there’s usually a lot of things in the past. If someone’s coming to a therapist or a counselor, there are probably some issues that aren’t just day to day, but there may be some things from the past. And a lot of times it could include mental illness. So those are not things that a coach deals with. We are working with helping clients find solutions. In our discussion there may be some things that come up in the past and we may address that, but if it’s deep-rooted things, that gets into the psychological and that’s not something I was trained in. I’m trained in the skills to work with you where you’re at right now. Again, understanding that these things come in.

So… and I think the main emphasis would be on solution-based, and usually it’s a shorter-term relationship with a coach. I’ve had clients that I’ve had for a long time, but it’s not around the same issue, where in counseling and therapy it may be the same issue. So that’s one of the differences.

A mentor is usually someone that is in your same line of business or in a very similar field that you’re in or life place that you’re at, kind of someone who’s been there, done thatm and can help advise someone who’s usually a little younger or less experienced in that field. So they’re somebody that walks alongside.

And so, again, we differ because I may have similar experiences to a client and that might be one of the attractions that pulls us together while we’re working together; yet, I don’t bring my personal into our coaching sessions. The session is about you, the client; it’s not about me. I have clients that will ask me something and say, “Do you mind if I ask you how you did this or how you handled this?” So I will answer that in the best way. But, again, I’m always mindful that it’s about the client so I’m not bringing my personal into that, where a mentor is going to bring in a lot of their life relationships.

Curry: You pretty much have to in a case like that.

Clark: Absolutely.

Curry: Would you share… just briefly share the story you told me before we turned the recorder on about when you were a teacher helping the child about the dinosaur.

Clark: Oh, yes, yes, yes. Thank you.

Curry: I think it emphasizes very much what you’re saying because it is about the client.

Clark: Right, right.

Curry: It’s the client that you want to help. It’s not all about how important you are or how important I am working with a client. It’s all about the client. And if we can deliver that, then the client has a better result.

Clark: Absolutely, yeah.

Curry: Take a moment and share that.

Clark: So I told John that beside my desk or phone I actually have several little pieces of Legos in different places where I, you know, I’m working with a client or talking with them on the phone. Several years ago I was a substitute teacher and I was in a kindergarten classroom and working with little Johnny and he came up to me all excited. “Miss Clark, I want to build a dinosaur.”

“Oh, great! Here’s the Legos.” So I pointed to the Legos. He pulls them out. And then I think, “Oh, wow! Here’s some books on dinosaurs. Let’s find a really cool dinosaur.” So I’m flipping through the book and I find some cool ones. So I’m helping him. I’m cheering him on, but I’m also giving suggestions of where some of the Legos might go to make it look like a dinosaur. So at the very end he’s still excited and he finally finishes and I’m thinking, “Oh, you’re finished?”

He goes, “I’m finished.” He goes, “What do you think?”

I just stopped and I looked at it and it’s like, what? It looked nothing like a dinosaur, but I’m like, “Oh, Johnny, that’s great! That’s a great dinosaur. Good job.” And so that was just, like, my aha. You know? A lot of times we can see people going down that track and we think we know more. We think we know how to pull them back in, but it’s… you know, we don’t know everything about everybody. We don’t know where they’re coming from. We don’t know, you know, where they’re going to end up. We do know that it is their journey. And I’m just….

Curry: It’s his dinosaur.

Clark: It’s his dinosaur. So, when I’m talking to a client, I’m just mindful to ask the questions and let them answer and not bring any judgment into it, not bring advice into it. I am that sounding board and I’m trying to listen very carefully so that I can ask the next question that’s going to draw them out a little bit more. I’m not leading them. I’m just helping them to continue to think through the issue that we’re talking about and to help them pull that out.

Curry: I like that. So what you’re doing is you’re giving people a safe space to be in to discuss things that are causing them pain perhaps, or they’re stuck and not quite sure where to go. So you’re giving them a safe environment to have a conversation with someone who’s trained to unlock the stuff, and from what you’re saying, it sounds to me like that you’re answering questions that would allow me to figure out some of the problems myself or the solutions.

Clark: And that’s really key. Thanks for saying that, because really the answer lies with the client. And we always say the agenda; it’s the client’s agenda. I go in with notes. I go in with some tools I want to use, but it really is led by the client. They could decide they want to go off in a different way, and I’m going to go with them.

Curry: Well, the reality is you don’t really care where they go because you have no set agenda yourself. So you’re there to serve your client. I think that if you’re truly serving your client wherever they go, even if they veer off and come back on the topic, it’s okay.

Clark: Right, right.

Curry: Tell me this. How did you become a life coach? What caused you to do this?

Clark: Well, I’ve always been interested in how the mind works and I actually have a minor in psychology, which is probably just a little dangerous, but, you know, we’ve all read self-help books and I was just intrigued by that. And I happened to see that there was an intro to life coaching course. It was at the Center for Biblical Studies. I thought, hmmm, that sounds interesting. So it was a six-week course and I learned a lot, and what I really learned was, like, this is really cool. This is foundational stuff. It’s not all woohoo kind of thing stuff. It’s good, you know, good basics.

So, from there, I started researching companies, and I knew that I wanted to… I didn’t want to just do an online class. I work better with different modules and I wanted to be in a classroom. I wanted to do actual coaching with people face to face. So I did choose IPEC. That’s the company that I went with and so I had to go out of town for my training, long weekends three times during the year. In-between, of course, there were some community calls. There was a lot of course work that I had to do. I had to do peer coaching. I had to do a lot of complimentary coaching sessions of everybody in my family and their friends. I mean, they are coached up.

But I learned that, wow, I’ve really enjoyed it. I enjoyed learning this process, and I shared with you that halfway through this process I got diagnosed with cancer and I am and was before this a very positive person. But the coaching really did help me kind of dig in, because when you are faced with a lot of decisions and, you know, things with health, it really does cause you to pause and, like, okay, what do I do now? How do I carry it? How do I handle this and how do I carry on?

So the coaching just really helped me get through that. I had coaches in my life. I continue to self-coach. I continued to, you know, just be positive through this and got through it very well. And, let’s see, from there… what else from there?

Curry: I like your story from the standpoint, so you didn’t give up.

Clark: Did not give up.

Curry: You didn’t go, “Woe is me. Poor little me.” You got involved and you turned its spotlight on others, and that is one of the things that I love about you in the sense that it’s not all about Connie. It’s how can I help other people. That’s why I was excited about doing this recording because there were so many people out there that I believe would benefit so much from just having a… if they only had one session, they would benefit. The people that choose to sit with you and have three or four or five conversations are going to do much better because you can’t solve issues in a one-shot deal.

Clark: No, no.

Curry: You can’t do that. And thanks for sharing your personal story there about the cancer. Let’s talk about this. So let’s say I’m listening to this and I’m asking this question. Okay, how would I know if I need a coach and how would I go about determining who to hire as a coach?

Clark: Okay. Fair question. You can go on the Website, you know, pull up life coaching, find different sites. My site is on there. I’m Striving Forward Coaching so you could check out what I do a little bit and see if it’s a good fit. But we all have a lot of different specialties. I do life and wellness coaching, but in my wellness, I believe in the whole body, you know, not just the physical… the mental, spiritual, mental, as well. So bringing all those parts in I think makes us healthy. So that’s what I’m interested in, in helping people, so it’s not all about… some people think it’s just about, you know, personal training or weight loss or whatever. It could be, but it really is bringing the right fit. Am I the right fit for this person?

So, and one of the things I like to do, John, is I offer complimentary sessions. So, if you’re interested and you feel like, “Yeah, I don’t want to commit. I don’t really, still don’t understand it,” I’ll do a comp session for about 20 minutes and it’ll give you a few of the basics, tell you a little bit about coaching. And then we’ll just kind of jump in and say, “Do you have something that you want to talk about today? You feel a little stuck?” If you just, “No, not really, I’m okay.”

Curry: That’s funny.

Clark: Then I’m going to ask you some questions and draw it out. And I’ll tell you, sometimes I do this sometimes on the phone, face to face like we are now. A lot of times we’ll go for a walk, and, you know, I’ve got people who want to walk, so, you know, we can meet for a walk. And I love to meet and walk sometimes because that person… I like eye contact. Yet some people, it’s just more comfortable. If you’re walking, you’ll not have to look at each other. So I’ve done coaching sessions when the client wants to do it on a walk. I’m good, and I’ve learned to take notes. I’ve learned to remember things. So that works. So I would say try it out. Any coach should offer a comp session or be able to answer some questions.

Curry: I like it. So try before you buy.

Clark: Exactly, exactly, right.

Curry: I’m especially intrigued by the idea of doing the walking. I like walking in the woods. I never thought about having… but as I think it through, the truth is, going back to the role of a mentor, I remember many times with taking a walk with some friends in New York City and we’re talking business the whole time we’re walking.

Clark: Right.

Curry: And that was a form of mentoring or coaching even then while walking. And I didn’t think about it until you just said that.

Clark: Absolutely, and, you know, us busy people and productive people like to get a lot done.

Curry: Oh, absolutely. Don’t we ever. And so let’s talk a little bit about what are some of the key factors for a successful coaching relationship. Tell me a little bit about, if I’m hiring you to be my coach, what are some of the ways we’ll know if it’s a successful relationship.

Clark: Okay. Yeah, very good question. So some of the… a coaching relationship is first of all a partnership and it’s built on honesty. So you’ve got to be able to trust me and as a client you need to be honest with me.

Curry: Right, because you can’t help me if I don’t give you the facts.

Clark: Absolutely, absolutely, or where you want to go. Yeah, so definitely confidentiality is key. The client’s got to know that, you know, everything they say is confidential, of course. Accountability is key to know that you can hold me as a coach or you can come to me for accountability, that I’m allowed… you’re allowing me to hold you accountable. So, you know, it’s establishing that relationship so it gets back to the relationship. So that really is the key, is do you trust me enough; you’re going to let me help you by helping to hold you accountable.

I mean, I’ve had clients that say, “I’m going to do this. I’m going to do this.” And, you know, I’ll check with them and they haven’t done that. So the next session I’ll have to say… and another important part is no judgment. I’m not going to judge you if you didn’t do XYZ. I mean, I don’t know what happened in your life that day, something. So I can’t judge that. However, I can come back to you in the next session and say, “John, so, in our last…” I’ll recap our last session… “you agreed to do XYZ. And tell me what happened that week.” So, again, I’m not going to say, “Why didn’t you do it?” or, “Bad boy.” It’s like, “So tell me what happened,” you know. So you’re going to tell me why or tell me your story, and then you may end up with, “Yeah, I know I should’ve done that.”

“So let’s back up. So you want me to send this text to you or you texted me. So how can I better hold you accountable?” So we’ll kind of back up. You know, we’ll kind of make it a little stronger, but again, you’ve got to tell me, “How hard can I push?”

Curry: What’s going through my mind is you might be too nice at times.

Clark: And I’ve learned. I’ve learned. And I will push. You just learn. And that’s, again, that’s part of the relationship, the honesty, figuring each other out…

Curry: I’ve used some coaches…

Clark: … how to make it work.

Curry: … in 42 years of business and some of them will say, “If you’re not going to do the homework assignment as we agreed to, I don’t want to be your coach.” They’re pretty tough.

Clark: Well, there is that saying, “I cannot work harder than the client.” And I have tried. In my early years I tried to do a lot of work for them. And if you’re not willing to do the work, it’s not going to work.

Curry: My way of saying that is, when you give up as a client, I give up.

Clark: That’s very, very good.

Curry: If you’re not willing to put in the work and the effort, then why should I? I have other people who need to occupy those chairs. Take care of the ones who want help. “You can come back and get in line, but you’re in the back of the line now and I’ve got to help the people that are committed.”

Clark: Absolutely.

Curry: Love it. What are some of the challenges that you help clients with?

Clark: We’ve addressed some of these. I think as we said, you know, a lot of my clients are around their fifties and we know that things change. We’re not in our twenties any more. There are more challenges around health. It could be a diagnosis. I mean, I do help some people who are going through, you know, disease challenges, but a lot of it is just realizing that, you know, I’ve had some on too many medications. You know, they’ll say, “I don’t want to be on all of these meds, and I know if I lost weight this would help. I know if I did this,” you know, so we kind of break it down. And so I help meet them there with the help.

Career changes, a lot of people, you know, our age are changing jobs, scaling back, or reassessing. And that’s why they come to you to get some of the, you know, “What do we do with our money at this point?” But just helping them to figure out what they really want to be doing at this point.

Getting unstuck, we talked about that a little bit. There’s just a lot of times people don’t use that word “stuck,” but…

Curry: What do they use? What do they use?

Clark: “Yeah, you know, I just can’t seem to focus on something.” Or, “I’m trying to decide if I want to go back to school or do this.” So a lot of times it’s a decision between two or three things. A lot of times it’s just they can’t really pinpoint it. But, again, “focus” might be one of the words they say. “I just can’t quite focus.” Or it’s being in a rut, it’s kind of being in a rut.

Curry: So they know something’s wrong but they can’t identify it?

Clark: Yes, yes. Or, you know, with weight, it’s like, you know, “I just can’t seem to stick to a plan. I joined the gym but I don’t go.” So a lot of, you know, those are stuck, those are ruts. I’ve got this saying that I think I shared with you, one of my favorite sayings. It’s by L.J. Peter. It says, “In spite of warnings nothing much happens until the status quo becomes more painful than the change.” So a lot of times, sometimes, people have to almost, like, hit that wall. And usually, in our day-to-day life, there aren’t that many big walls that we’re hitting, but they’re smaller walls, that thing that’s, you know, pushing up against and we’re like, aww. And then one day we may just realize, like, being here and not being able to move past this way, I mean, this is hard, you know. Maybe it’s going to be easier to figure out some ways to get around it, so….

Curry: I like that analogy. That’s good. So maybe it’s not a huge wall but it’s enough that it’s deterring the person, making them hesitate and not take action.

Clark: Exactly. And that wall could be causing a lot of problems. Maybe it’s causing problems in their family. They get, you know, just a lot of… they can’t go other places.

Curry: Let’s go a little deeper with that. What are some of the main ways you see people getting stuck?

Clark: We have a few things that we see in coaching, one thing we’ll call the gremlins. Now, the gremlin is that ugly little guy that might jump on your….

Curry: I remember the movie, “The Gremlins.” Remember that?

Clark: Think of that little guy, think about him jumping on your shoulder and just, you know, once in a while he just sneaks up there and it’s like, “You’re not good enough. You can’t do that.” Or “Why do you think you can do that?” So it’s like we call it the gremlin because it’s always something negative and they’re just kind of eating at you. It may be self-doubt. It may be someone that says, “I’m not smart enough. I’m not thin enough. I’m not…” you know, it’s usually that “I’m not enough.”

Curry: I’m too old. I’m too young.

Clark: Exactly, there’s that. So it’s really you kind of help people with awareness of that, you know. And that is going to creep up. This is human nature, you know. There are going to be those things because we’ve gone through a lot of things in our lives, so there’s going to be those things. And it helps them to be aware of it as soon as we name it and, you know, say, “Well, you’re leaving. I’m not listening to you today.” So….

Curry: I like that. Lock him up in a corner.

Clark: Exactly. Assumptions, a lot of people think, you know, maybe because it’s happened before in their life that it’s going to happen again. Like, “Oh, I can’t. There’s no need to apply for another job because, you know, I got turned down last year for this job.” And just because it happened once, you know, or “I can’t lose the weight. I tried last year,” and just because it happened once it doesn’t mean the same thing is going to happen again, because you can make some changes around that. So, assumptions.

Interpretations, we see things, you know, the way we’ve been brought up, the way our circumstances are. We may see things one way, and we help people look at things a different way. With my cancer, from the beginning, actually, there were so many people that had cancer and a lot of my friends when I was diagnosed said, “You’re wanting to help these people we know.” I’m a marathoner, I eat well, I do… and it’s like, you know, look around us. I mean, it’s everywhere, and it’s like my mantra was always not why me but why not me. You know? What’s so special about me? You know, why not me? So again, our interpretations of things.

And then, limiting beliefs. How true is this statement now? How true is this? Just because it was true back then or just because it happened then, really how true is it now? So we just come into this world with a lot of baggage. And people come into our sessions with a lot of baggage, so it’s just kind of helping them. And it seems like, well, we know that; we know that. And most of my clients are smart people. They’ve been through a lot, but it’s, you know, we all benefit from someone helping us break it down and asking those important questions so that they can actually see it and then begin to make those changes that are going to be sustainable in their life.

Curry: I heard a speaker say one time that the three most dangerous words in the English language are “I know that,” because the minute you say, “I know that,” you shut down all receptors to learn something new. So, “I know that, Connie, I have this problem, but I don’t really want to do what it takes to solve the problem.”

Clark: Right, right.

Curry: Let’s talk a little bit about how you work with clients. I know you do one-on-one sessions. Do you do group sessions? Do you do retreats? Talk a little bit about that.

Clark: Oh, yeah. Yes. I love doing it all, and I’ll tell you that, with one-on-one, I prefer to meet with people in person, but I’ve done coaching sessions with people, you know, out of town so we do phone sessions. That works very well.

Group coaching, I’ve had people come to me who had a common interest so that helps me. And I develop an individual plan. I find out how long they want to meet, what they want to meet around and so I’ll pull together things that we need together as a group, addressing things that are in common, but I always make sure that we’ve got some one-on-one time so that everybody has chances to just meet privately and away from the group and have that one-on-one time with me, so we build that in, as well.

Day retreats done at the beach, which are wonderful. We have wonderful beaches just an hour from here, so it’s nice to just drive and they get a little bit of just letting-go time, and we’ve had retreats again with certain…. One of the last ones I did was on abundance, you know, how to have the abundant life. And just bringing in maybe some brainstorming. We’ve done some vision boards to help them really kind of just let go. And I love retreats because it really is time that they are spending just on themselves. We don’t have other interruptions, and at the end of the day, I mean, most of my clients, you know, say they are relaxed. They’ve got some tools to take home with them. They’ve got some things to think about. We haven’t solved everything, but it gets them thinking and then they have the opportunity to work with me later. And I always follow up with anyone from a retreat to see, you know, if they’ve got any questions.

Curry: I like it. Is that something where you could help me create a client event where at our training center you could teach say an hour, an hour and a half?

Clark: Oh, absolutely. I’ve done many retreats where I speak, you know. That’s a great length of time and through that we can do some things. And it just depends on, you know, again, who’s coming. You know, kind of figure out what might be the best… some of the best tools to use, but a lot of times we do something called the wheel of life, which I explained earlier, just to help people. They don’t know what they really want to work on, how to look at their life as a whole and find the part they might want to zero in on. And I’ve done luncheons, as well, so people can bring their lunch and in an hour we can do some goal setting. And I’ve done that before, too.

Curry: We can talk some more later offline but I think there’s a tremendous opportunity for you to be a guest speaker at some of my seminars or even webinars, because what you’re doing is so important. You’re digging into a lot more depth today than I thought we would so I thank you for that.

Let’s talk a little bit about how a typical coaching session would go with you. So I meet with you; I’ve done my complimentary one, and we’re now sitting together and I walk in and I say I’ve got this problem or an issue where I’m stuck. Walk me through a little bit about the mechanics of how this coaching session might go.

Clark: Oh, okay, okay. We have touched on some of this so I’m going to kind of just start you from the beginning. So we’ve had the complimentary session, like you said, so you know a little bit about me, a little bit about what it is. So you would come to me. You know, I would find out if there’s something specific that you want to work on, and maybe that was determined in the complimentary session. And if not, and a lot of times in the complimentary session I may ask you, if I were a genie and could grant you three wishes today, right not, what would you want? Anything, anything at all. Ask me for anything. And so that just gets the brain fired up and really thinking about, “What is it I want?” And that’s, again, it sounds like an easy question, but it’s not always easy, you know, and it may be, if someone says, “I’d love to have, you know, a hundred million dollars right now. I’d never have to work again and have all this money.” Well, that’s not feasible, but, you know, if they came to you with that, then you could help them figure out financially….

Curry: I can’t give them a hundred million dollars though.

Clark: Not that much, but you could break it down. Well, okay, so, yeah. So anyway, so we know that stability, you know. We know some things that are important to them. If they come up with that. If they want to go on this fabulous trip, you know. Maybe they’re on a fixed income and so maybe, you know, I help them. So if that’s an important thing, help them figure out how to live their life so that they can put aside that money and make priorities or whatever.

So, again, it’s really establishing that relationship. That is key in the first session, because in the complimentary, you’re not trusting me yet. You’re just finding out about me. Session one, we’re building that trust, learning. I’m learning how you want to be coached and you’re, you know, asking me the questions. So we may expand on the wheel of life if you need a little more direction, and then, we’ll continue to work through, again, through a lot of questions, you know. There may be some things that you’re stuck in and we’ll address that. Again, we’ll kind of come up with a game plan.

Curry: I like it.

Clark: Yes.

Curry: I like it. All right. I know we need to wind down here in a minute, but let’s talk a little bit about how would I… if I’m listening to this, how would I determine if coaching is right for me? You’ve already said that you do some over the phone, so if somebody is listening to this and they’re in Miami, Florida, or they’re in Cleveland, Ohio, they can call you. We’ll give the contact information so they can have that conversation, but what are some the things that will happen for me to realize that coaching is right for me? Or how do I know coaching’s not right for me, whichever way you want to approach it.

Clark: Okay, okay. You know that the beauty of coaching is it’s, when I sign on a client, I don’t make you sign a contract to say you’re going to meet with me for a year or you’re going to meet me for a certain amount of time. Sometimes it doesn’t take very long to work through issues, and sometimes it is a longer term. So I say that because as a coach we will work with a client how ever they want to be worked with. So the main thing is to reach out.

You can check out my Website, Striving Forward Coaching, and learn a little more about coaching and learn a little bit more about me, if there’s a connection with me. And, again, by letting me do a 20-minute comp session with you and I’ll ask that question, you know, if you really don’t know, like, “I feel like there’s something missing in my life or something could be better.” And I’ll say this to most of my clients, it’s not like they have these huge issues or huge problems or they’re like, “Woe is me.” Most of them have a good life and they’re enjoying life, but they know it could be better. So that’s where… that’s probably the key with a lot of people around our age.

You know, we’re not going to solve these deep, deep problems that started in childhood through coaching probably. I can help with some, but a lot of people want life to be better. They want to live their best life so that’s really the exciting part. We talk about fear based and value based. If you know you have to do something, how much energy are you going to have around that? You know, there’s not going to be as much. If there’s something you want to do, you’re going to have a lot more energy towards that and working towards that.

Curry: Absolutely.

Clark: So that’s where I really try to meet people, is at the way they think they want to do and there’s more energy and much better success.

Curry: You struck a nerve with me awhile ago. You talked about abundance, because I teach the concept all the time of abundance thinking versus scarcity thinking.

Clark: Right.

Curry: Love thinking versus fear.

Clark: Right.

Curry: And I’m listening to the things you’re saying, and the truth is all of us can benefit from coaching in one degree or another.

Clark: Right.

Curry: And I know I think back to times in my life. I had different coaches. I had a business coach, a physical fitness coach. When I had my heart surgery back in 2008, I made a commitment that I was going to work on my fitness and wellness, eat, sleep better, work out, and it’s made a huge, huge impact on my life.

Clark: Right.

Curry: A huge impact, so I’m glad you’re doing the wellness side, too. Connie, I want you to explain something. On your business card I see the letters “CPC” after your name. What is that?

Clark: It’s certified professional coach.

Curry: Okay, so you have certification. So talk just a little bit about… because you were telling me offline some ridiculous amount of time, like 250 hours of training you had just to become a coach. So talk a little bit about that, because, if I’m listening to this, I may be saying, “Well, how do I know that you’re qualified to be giving me advice or coaching me or guiding me?” So talk a little bit about your training and then I want us to wrap up by giving people your contact information, but tell us a little bit about what that coaching training means.

Clark: Oh, okay, okay. So the coach training, as I said before, I didn’t want to just do an online class and do the minimum. I knew I wanted to do an intensive course, and IPEC delivered that with three three-day weekends away. It was a very intensive time of away and getting lots of instruction and one-on-one and time to be in front of and present and all of that kind of stuff under the classroom. In-between it was the textbook work. It was the coaching work. It was a lot of things, but that encompassed 250 hours of time. So….

Curry: That’s a lot, it’s a big commitment.

Clark: That is. That is a big commitment.

Curry: Big commitment.

Clark: And then I went on to get another certification, energy leadership, so that’s another thing that I can bring to the table.

Curry: Very good, very good.

Clark: So I will tell you my name again is Connie Clark. I can be reached by email, which is cdclark54@gmail.com, and my information can also be found on my Website, which is StrivingForwardCoaching.com.

Curry: Connie, thank you for sharing your information. It’s obvious from talking with you today that you believe in creating value for people and you help pull information out of people to help them get where they want to go. Thank you so much for the time.

Clark: Thank you so much, John. I appreciate the time.

Curry: My pleasure.


If you'd like to know more about John Curry's services, you can request a complimentary information package by visiting johnhcurry.com/podcast. Again, that is johnhcurry.com/podcast. Or you can call his office at 850-562-3000. Again, that is 850-562-3000. John H. Curry chartered life underwriter, chartered financial consultant, accredited estate planner, masters in science and financial services, certified in long-term care, registered representative and financial advisor at Park Avenue Securities LLC.
Securities products and services and advisory services are offered through Park Avenue Securities, a registered broker-dealer and investment advisor. Park Avenue Securities is a wholly-owned subsidiary of Guardian. North Florida Financial Corporation is not an affiliate or subsidiary of Park Avenue Securities. Park Avenue Securities is a member of FINRA and SIPC. This material is intended for general public use.
By providing this material we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. All investments contain risk and may lose value. Past performance is not a guarantee of future results. Guardian, its subsidiaries, agents or employees do not provide legal tax or accounting advice. Please consult with your attorney, accountant and or tax advisor for advice concerning your particular circumstances.
Not affiliated with the Florida Retirement System. The Living Balance Sheet and the Living Balance Sheet logo are registered service marks of The Guardian Life Insurance Company of America, New York, New York copyright 2005-2020. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by Park Avenue Securities or Guardian and opinions stated are their own.
2020-96616 Expires March 2022

 

 

Achieving Your Dream Retirement - And Not Just Financially

What does your dream retirement look like?

For Bill and Donna Elliot, it was an once-in-a-lifetime trip in a motorhome… a voyage that had them zigzagging across the U.S. full-time for two years and 24,000 miles.

Bill, a retired architect, and Donna, who had worked in the legal field, were ready for a break after long successful careers. And they had a lot on their bucket list, like a NASCAR race in Indianapolis, Niagara Falls, Frank Lloyd Wright homes, and a baseball game in Pittsburgh.

They explain how they prepped for the trip… but also how they were able financially to make it work.

Listen in to find out…

  • Tips for transitioning from work to retirement

  • The role of an advisor in organizing your finances

  • Why now is the time to indulge in something you’ve always dreamed of

  • How to untangle yourself from your old day-to-day routine

  • And more…

Listen now…

 Transcript:

John: This is John Curry. I’m sitting here today with April Schoen and a wonderful couple named Bill and Donna Elliott. In these podcasts, we’ve been working on the concept not just of financial planning for retirement but also other issues, such as healthcare, what you do with your time, recreation, travel, and Bill and Donna Elliott have done a fantastic job of making the transition from careers to truly enjoying retirement. And today, they’re willing to share their stories of what they’ve done and, in particular, what’s fascinating is that they bought a motor home and, I think, what? Two years, Bill? Donna? Was it two years’ travel?

Bill: Two years.

Donna: Um-hum.

John: Fantastic story, but first, I just want to thank you for joining us today and being willing to share your story. And, if you would, Donna, would you start? Tell our audience a little bit about who you are, what kind of work you did before you retired, and then, Bill, we’ll have you do the same.

Donna: Okay. I started out in the architectural field, writing specs. That’s how I met my husband, and then I moved into the legal field. I was a paralegal for a while, did independent contracting work while our daughter was growing up and on swim teams and had to be toted back and forth, and then I went to work for a single practitioner and did his books part time. So, I’d say the greater part of my career has been in the legal field.

John: Very good. Bill?

Bill: Okay, well, I was with the firm Elliott Marshall Innes, which now goes by EMI, located here in Tallahassee for almost 40 years. We did such things as the College of Medicine at FSU, Psychology Building at FSU, Life Sciences Building, College of Education, and a variety of other projects on the campus. I was involved with the Walton High School project over in Defuniak Springs.

John: I rode by that just Monday.

Bill: Did you?

John: I did.

Bill: Well, thank you for doing that.

John: I thought about you when I went by there.

Bill: It won some awards as some of these other projects did. Our firm tried to concentrate on high-level design projects, delivering a workable building for the building users. Most of our work was in the education field, whether it be K-12 or university level. We did do a good deal of military work. Eglin Air Force Base is a client of ours for, I think, 20, 25 years and we did, I don’t know, 50 or 80 buildings for them. I worked at Moody Air Force Base, Hurlburt Field, and a variety of other military installations. And that was pretty much my career.

John: Big contributions? The beauty of what you do in that line of work is that you can see tangible evidence of the work and the time you put in. It’s there. You drive past it; you see it.

Bill: Forever.

John: Forever.

Bill: And the building plaques that have our name on it is something that we’ve taken our children and grandchildren by to see what we did over the years, and it’s nice to leave that kind of impression on their minds in buildings that are going to serve children of the children that we’re talking about. So, really, a high degree of satisfaction there, having done things like that.

John: I learned from a mentor many years ago to look at my business the same way, that long after I’m dead and gone, people that I will never meet will benefit from the work that we have done at Team Curry, whether it be that individual who retired or the spouse, the child, the grandchildren, the great grandchildren, the charities that will benefit from the work we’ve done whether it be investments or the insurance world. And it’s the same with you. You drive by and you see it, and you say, “I had a part in that.”

Bill: Yeah, and it was part of a team effort. And when you use the word “team” for yours, your firm, that was the way we operated, too. There were so many people doing various things that contributed to it. It wasn’t a one-person show. You know, everybody in our office, and we usually had between 15 and 20 people, but they all contributed in some way to the project so everybody had a piece of it.

John: Right.

Bill: So, anyway…

John: Team effort.

Bill: Yeah.

John: Talk a little bit, Bill, about the transition because we’ve had several conversations over the years of we’re getting closer to retirement, a little bit of anxiety. Okay, can I really do it? Can I not do it? Talk a little bit about what you went through being a successful businessman, building a company as one of the founders, to this thing called retirement. Share a little bit of that.

Bill: Well, fortunately, I had, I don’t know, probably a 15- or 20-year experience with knowing you and having trust and confidence in you. We sort of opened up our books and our life and showed you all the things that we treasured over the years and how we could go forward, and you sort of showed us the way with numbers and investments and things that would help us in our retirement years.

John: I would say that over the years of working with the two of you, you have focused on what you wanted to accomplish, but you were also willing at times when you didn’t agree on something to listen and learn and then make your own decisions. Because I would have to say that I thank you for the compliment there, but the truth is the two of you did the work. What we did at Team Curry is kind of coach and guide a little bit and educate you, but you had to make the tough decisions. And those decisions that you made along the way, way before you met me, put you in the position of where you were able to retire. But focus just a little bit on making the transition of walking out the door to buying that motor home and the two of you traveling. Because I want to hear some of the travel stories, and, April, I know there’s some stuff you want to add so jump in in a minute, too.

Bill: It was very easy for me. We had been looking at motor homes for probably the last eight or ten years as we’re going down the highway, looking and imagining what it would be like to do all that kind of thing. And then we finally did that. We had one motor home which was smaller than the one we ended up with, and that sort of was an education process there, that we knew what we did want, what we didn’t want, but I think it was an easier process for me. I think guys gravitate towards mechanical things and things that require some level of effort to make it work and so on. I think I got a lot of satisfaction out of that. Donna would enjoy the inside of the coach, but I would enjoy all the coach, the driving and the mechanical issues. So, it was an easy transition for me.

Donna: Well, I think the reason we picked Motor Home of Travel is because we both like to travel very much. We’ve been to a lot of different countries through our marriage, but with what is going on around the world, we decided that we were going to see the US of A and check out things on the bucket list here.

John: Very good.

Donna: So we thought we’d sell our house, because we didn’t want people to be responsible for checking on whether the lawn people came, and it was just easier to get rid of the house, get a coach, and become full-time RVers. And some people thought we were crazy. Some people thought we were very brave. Sometimes I think we were crazy and brave, so….

Bill: Some people thought we were stupid.

Donna: And some days we thought we were stupid, crazy.

Bill: We may have said it earlier, but we thought 30 states in a 15-month period. Of a two-year commitment to doing all this during just 15 months, we did 30 states. We did everything east of the Mississippi except two states. Then we did four or five west of the Mississippi. In our marriage, we’ve done 48 states, but in the coach only 30, and as Donna said, we did a lot of Europe. We did most every country in Europe. I’m glad we did them when we did and we don’t have to do those now.

John: Very good. What would you say to anyone listening to this who is not as easy to transition, that they are not sure what the next part of their life is when they, quote, quit working and retire? The second half of the game, I call it. What advice would you offer anyone who’s thinking, like, I really want to go do some things, but they need that little nudge to encourage them to do it? So, let’s suppose their finances are in order, but they’re just so tied to work that they can’t let go. What advice would you offer anyone who’s thinking that way?

Donna: I would say life is short. You don’t know when your last day is. This country is a beautiful country. There are so many things to see. Get out and do it while you can. One day, you won’t be able to.

Bill: Yeah, I second that.

John: Great advice. Great advice. April, anything on your mind you want to ask?

April: I was just thinking kind of along the same lines, is there anything y’all thought was too much trouble for you going from the responsibility of working and into retirement? We have a client we met with yesterday who’s going to be retiring at the end of March, yet she’s been a little apprehensive. What is this next stage of my life going to look like? And we hear that a lot. If there’s anything that you can say, like, Okay, I did struggle with this.

Donna: You will struggle. If both of you have worked your entire married life, which we did, some of us part time, and being together 24/7 in a very small environment, can, on occasion, become an issue. Not a problem, but an issue. We found out that, when we were traveling, going places, checking where we were going next had something to do to look forward to, we were much better than if we were just sitting around doing nothing, because he’s an A-type personality. I don’t mind sitting and reading, but after a while, you need to do something. So, it is… you have to get your mindset that there will be days when you’ll think, I made the wrong decision. But if you’ve got a plan of places that you want to go, things that you want to see, and keep your mindset that that’s where you’re going and what you’re going to do, you’ll make it through the once-in-a-while day that, you know, you go, Oh, I made a mistake. Why am I doing this?

Bill: I brought along a bunch of books, maybe, I don’t know, 23 inches worth of books that I have on a shelf that never came off the shelf. I don’t think I’ve finished a book on the whole trip. I always had things I had to do, you know, outside or inside or whatever, and Donna probably thought we were going somewhere. I never had time to read.

John: I would think with the work that both of you did, because you had to be so focused on numbers and dealing with people and calculations and all that, that this had to be a tremendous relief just to get away from that.

Donna: Yeah.

Bill: It was, but I still to this day have reflections of being in the office and what’s the next project, what’s the next proposal, what needs review, all the, you know, personnel things. I don’t want to say issues because we were so lucky and so blessed to have a staff who was with us into the double digits for most of them. Loved our staff and it was probably the greatest accomplishment of our whole firm history as far as I’m concerned. But I still have dreams that I’m at the office and these issues are still coming up. I can’t get those to go away. It’s not bad things. It’s not nightmares or whatever. It’s just remembering the daily struggles of all the little things that you had to do.

John: That may never go away. I’ve had the pleasure of being in this business… I’m in my 43rd year now, and I’ve heard so many people talk about retiring, and even though they don’t go to the office, they still have fond memories of it. They think about it, because… think about it, if you work for 30 or 40 years in a career, you don’t just turn that off. Most people can’t do that. Some can but very few people can.

April: My father retired six years ago and he tells me he still has dreams about work.

Bill: So I’m glad I’m very normal.

April: You’re very normal. That’s right.

John: So you’re normal. Well, I don’t know about that. I don’t know if you’re normal or not. Rephrase that one.

This is a great segue to talk about some of the things… you said a plan earlier. Talk to us a little bit about how did you decide to just get a motor home and start traveling? I know you talked about it, what places you want to go. Tell us how you went about building the plan as to where to go, because we’ve had the benefit of hearing this over the years, but it’s just been fascinating.

Bill: We have to have a place we can take our dog. Therefore, buy a motor home so you can take the dog with you.

John: That’s good.

Bill: It’s somewhat true. I mean, we would constantly have to have a dog sitter whenever we’d go to… I mean, you want to go to Hawaii or you want to go to California and you’re going to be gone two or three weeks. You have to have a dog sitter and they’re not always available.

Donna: Well, our breed of dog you can’t kennel. She would die. They’re very needy.

Bill: Lapdog.

Donna: Yes, so, you know, we start and then we figured out how much money we spent on puppy sitters, because then you have to feed them and….

Bill: And a motor coach is so much more economical.

John: So much more.

April: But, Donna, when you were first starting your trip you had a list of places you were first going to go? How long of a time period did you plan out initially?

Donna: Well, I was instructed to write to all the different states, like on the eastern, northeastern seaboard, because it was the fall when we started out, so we were going to see the leaves change. So I had to write to all the states and get all the magazines and all the information, and then we kind of plot it out. And then, our son-in-law is a craft beer connoisseur and they found out we were going from Maine or something over to New York and they said, “Oh, could you go by Vermont to this brewery and get us some beer?” And then Suzanne goes, “Oh, well, there’s a Cabot cheese thing.” “Oh, well, there’s a Ben and Jerry’s.”

Bill: Ben and Jerry’s.

Donna: So it just kind of evolved that, you know, you tell somebody where you were going and they’d go, “Oh, well, you’ve got to go here and see this, do this.”

Bill: Yeah, we did not have a finite route that we were going to go from here to here to here. We had things that we wanted to do, but we were constantly adding to it. And some of our… I meant to bring my map to show you where we went and the directions and so on. And it looks a little crazy but some of them were driven by activities that had dates attached to them. Like, we wanted to go to a NASCAR race at the Indianapolis….

Donna: Brickyard Park.

Bill: … the Brickyard Racetrack. Well, we had to be there on a certain day to do that. And we wanted to go to a baseball game in Pittsburgh and had to be there on a certain day to do that. So, a lot of our destinations were sort of driven by activities that we were trying to get to.

John: I do want to see that map. I bet there’s some zigzagging on there, too.

Bill: Oh, it’s all over it. If you look at it, it looks like we just threw spaghetti on the map.

Donna: Didn’t we do 24… 22, 24 thousand miles, something like that?

Bill: Yeah, yeah.

Donna: Yeah, there was a lot of zigzagging.

John: What are some of the places, the trips that you went to that stick out that are most memorable for you? Donna, let’s start with you.

Donna: Well, mine is the Clydesdales. I had always wanted to go see the Clydesdales. So we ended up… didn’t know you had to have advance reservations, and here we pull on this little narrow road, our coach, and the girl comes out and she said, “Do you have tickets? Our tour just ended and the next one isn’t for two hours.” And we went, “No, we didn’t know you had to have tickets.” So she guided us in. She said, “That’s no problem. Come here, we’ll get you tickets.” So, we had an hour and a half of the two of us with about 10 to 15 Clydesdales, just ourselves.

John: This is the Budweiser Clydesdales you’re talking about?

Donna: Yes, at their breeding farm, which is in the middle of nowhere. But it was just such a beautiful day and these horses are so terrific when they’re running in the pastures and coming up. I enjoyed that.

I enjoyed… I was a little petrified… but I enjoyed going out on the little plastic… not plastic… whatever the platform is at the Sears Tower and you walk straight down? I made fun of the girl, too, in front of me because she didn’t want to go out on it. Ahh, piece of cake. And I got up there and I went, This is not a piece of cake. So I enjoyed that. And I enjoyed Niagara Falls. I had been there when I was a little girl but hadn’t been back, and he had never been. So we went, and we went to the Canadian side; we went to the American side.

Bill: Saw it in daylight and saw it from the boat.

Donna: Saw it at night and saw a girl… we didn’t see her fall over, but we saw the aftermath of what happens when you fall down the Falls. But that was fun. You asked me one day… I’ll tell you one place you asked me another day, I mean, we saw things that I don’t think we’d ever get to see had we not done this.

April: So once in a lifetime trip, right?

Donna: It really is. Yeah. I can’t really say that, you know, like tomorrow I may say being in Bar Harbor with the fall leaves was the best thing, going to Ben and Jerry’s was the best things, so it’s just a terrific way to see the country.

Bill: We went to Lambeau Field and did a tour of their stadium and we were just dumbfounded with what a terrific job they do there. You know, they’re all stockholders in the Green Bay Packers. This is the citizens. They own, I guess you have to have a share of stock to get a seat or whatever. So, they take great pride in their stadium and they put on tours, and these stockholders and stuff, I guess they’re probably the guides and someone to show you through, but they took us through the sky boxes, you know, where the corporations have seats overlooking the field. They took us down to walk through the tunnel where the players come out. They played the music like the opening of a game and then the crowd roaring like that, and you could get your picture taken in front of the goalposts. Then we went up to… they have very nice restaurant/bar kind of thing. You could eat inside or outside and a special beer that probably was served at the stadium, their own, I think it was named after Curly Lambeau or something like that.

Donna: And cheese curds.

Bill: And cheese curds. We got introduced to cheese curds which we’d always heard about but had never tasted, and they were gorgeous. They were just fabulous. And they had the best beer and the best cheese curds we had anywhere along the route, because we started eating cheese curds. They were all measured against how good they were at Lambeau Field. But it was a beautiful stadium, and then the way they… the effort that they put in to make sure you enjoyed it was really stunning.

Donna: They’re a reasonable price, too, and when we were in Pittsburgh, you had to call a number and they only did tours certain times on certain days. They made it so difficult but, yet, you go to Lambeau. Every hour they’ve got one of three different kinds of tours that you can go on, so they really want you to see their field. You know, it was super.

John: While you were at Lambeau Field, did you go to their museum? The Green Bay Packers museum?

Donna: We did not do that.

John: That’s an awesome experience.

Donna: Well, that’s what we heard, but we were on a sort of a short leash that day.

John: My son and I went to a ballgame there…

Donna: Oh, did you?

John: … in December of 2000, and… I’m sorry, 1999, and then the people who treated us came here to watch…

Donna: Oh, wow, okay.

John: … the FSU/Florida game in 2000, and we had all the trucks out there because of the election, but my son, just two nights ago, we were having dinner and he’s 34 years old now. He was telling me about his memories of us going there…

Donna: Of going there?

John: … going to that ballgame.

Bill: Yeah, they’ll never fade from ours. And you know, some of the places that we went were architecturally… where there were things that I wanted to see, because I had always, you know, seen in magazines and heard about so we went to Frank Lloyd Wright’s residence in Wisconsin, so we go to see his residence there. And we had already seen the one… Taliesin West out in Phoenix. Phoenix, I think it was.

Donna: Um-hum, um-hum.

Bill: That was a great thing. And we got to go to Falling Water outside of Pittsburgh, which is another one of his famous, famous structures.

Donna: Some beautiful chapels, too, in Arkansas...

Bill: Yeah.

Donna: … with beautiful settings in the woods.

Bill: We went to Branson, of course, and got to the shows and stuff there.

John: Right.

Bill: That’s kind of a neat place to go. We had always heard about it, and I don’t know that I need to go back but we did enjoy the shows we went to and being there. We went through Chicago on the river and saw, you know, a lot of the architecture there. Went through the distilleries in Louisville, Kentucky. They’ve got a regular whiskey trail or something.

John: Bourbon Trail.

Bill: Bourbon Trail.

John: Did you go on the Bourbon Trail?

Bill: We did a part of it.

Donna: Did part of it.

John: I’m jealous that you didn’t take me with you.

Bill: What was the distillery that we went to?

Donna: Jim Beam.

Bill: Yeah, Jim Beam. We’re not whiskey drinkers but we just wanted to have…

Donna: We’re redneck beer drinkers.

Bill: … the experience of been there/done that, seeing that kind of stuff. We went to the Rock and Roll Hall of Fame. Went to the Harley-Davidson Museum in Milwaukee. Milwaukee was a great city, beautiful waterfront. They had a great art museum there.

Donna: Went to the… in Kansas City… the mint.

Bill: Yeah. What did you get for the kids there?

Donna: Shredded… oh, well, I gave them shredded money and then also they had bars of soap and there was a real bill inside, either a one, a five, a ten, a twenty, or fifty, but you couldn’t tell until you used up the soap…

Bill: Or…

Donna: … or as the boys did, they just scraped…

John: Gimme the money. That’s a new definition….

Donna: Yeah, show me the money.

John: That’s funny. That’s a new version though.

Donna: But that’s funny because you actually got to actually live… I mean, you pull down on this machine so you could feel how heavy a gold bar is. I mean, you see these in the movies and you think, Ahh, I know they’re sort of heavy. They are really heavy. So that was very… the tour was very interesting there.

John: Did you bring home any samples of the gold?

Donna: No, they wouldn’t let any go, and they only let you have one bag of shredded money per person. I wanted two so I could give one to a grandchild and I could keep one, and Bill goes, “Yeah, they have cameras around here, Elliott.”

John: That’s right, because of jail, go to jail.

Donna: Yeah.

John: What other trips did you take that are memorable? It’s exciting just sitting here watching you and just seeing your passion.

Donna: Well, we went to the cornfields of Iowa just row after row after row of cornfields, but let me tell you, you have never had corn until you have fresh-picked cooked corn. I mean, cook it the day they pick it. It was to die for, so that was fun. And what else do you…

Bill: You mean trips outside of the RV experience? Or…

John: Anywhere, but especially on this adventure you did with the RV...

Donna: This two-year adventure.

John: … but any trips.

Bill: Upper Michigan. I don’t know if we…

Donna: Oh, no, we didn’t talk about that. But that was beautiful.

Bill: It was a real surprise because I was really…. We had some friends who were up there and wanted us to come visit up in Harbor Springs, which is north of Petoskey, which is on the northwesternmost part of the… what they call a Michigan Mitten. And the beauty of going up the center of it was the cornfields and the green trees and things like that, and then you get to the coast and they’ve got these outrageous views that are just fantastic and…

Donna: And the flowers, a wall of flowers.

Bill: … quaint little houses for bed and breakfasts and things like that. Wonderful beer, food, and then you get up to the Pictured Rocks National Lakeshore on northern Michigan and the rock… It’s like real sheer cliffs, but the colors of the rock are unbelievable. And what was the island that we went around?

Donna: I can’t remember.

Bill: Yeah, I can’t either. Anyway, we went on a…

Donna: A rubber boat.

Bill: … rubber boat with a jet engine or something…

Donna: Yeah, that was fun. You’re going to get wet, I’ll tell you.

Bill: … into the rocks…

Donna: In the cave area, yeah.

Bill: … the cave area and look up…

Donna: And see all the different colors, yeah.

Bill: … colors. I’ll show you some of that on my phone there. I’ve got some pictures of it. They were almost just indescribable.

Donna: Yeah, they had a big cruise boat that you could go on and just kind of cruise by. Well, we took the little rubber raft-like thing. The guy goes, “Be ready to get wet.” And we did, but it was the most fun.

John: Did you feel like kids again?

Donna: Yes, we did, yes, yes. And then we went up to the upper peninsular so we’re now UPers…

Bill: Yeah, U-P, UPers.

Donna: … yeah, UPers, but the wildflowers on the side, both sides of the road… pinks, blues, yellows, whites… were just fabulous and then we went in to see…

Bill: A moose…

Donna: Oh, huh?

Bill: Saw the moose…

Donna: We did see a moose…

Bill: … on the side of the road.

Donna: … on the side of the road, so I made him slam on the brakes so I could get out and photograph.

Bill: Which is real easy to do with a coach.

Donna: And we went in to Lake Michigan and found some Petoskey stones that are supposedly something really unique that they named them after Petoskey, but they have these little indents on their very…

Bill: What looks like a coral-looking thing…

Donna: Yeah.

Bill: … but then in a smooth stone.

Donna: Yeah, on a smooth stone from the glaciers coming down. So, we found… we actually… I thought, Boy, we’re going in the lake. And the lake was very warm. I would have thought it would have been very, very cold. And we took a three and a half-hour ferry ride to Isle Royale, one of the national parks, three and a half there and three and a half back. And that was interesting. There were supposed to be 1500 moose on the island. Did not see a moose. Saw some…

Bill: Evidence of moose.

Donna: … evidence of moose, and so then, we’re leaving the UP and it’s sort of a dreary day and we’re driving down the road, and Bill goes, “There’s a moose.”

“Oh, my God, stop, stop.” So, we have heard that, if they pick their head up, you want to get out of there. Well, a car… I was back to where the towed was, snapping photos and a car zipped and did a 180 and pulled over right in front of him. Well, he picked his head up and I thought, I’m going back in the coach now. You could tell it was a moose on my photos, so we did get to see a moose.

John: That is so cool.

Donna: So that was fun.

Bill: And the towed is the towed car.

Donna: Yes, I’m sorry.

John: Okay, good. Thanks for clarifying that. That was good.

Here’s my takeaway from this. Not only did you get in the motorhome and you drive places, but you got out and you did things. So it wasn’t like a rush tour, I just got to go to these 38 states, or whatever. You actually spent time, enjoyed yourselves…

Donna: Yes.

John: … got to know each other better, and you took in our great country.

Donna: We did… or the east side of it. We had been on so many tours out West that we said, well, we had done this two-year commitment and we didn’t want to do stuff we’d already been. There were a few parks in the Southwest that we hadn’t been to, but just with... You know, we said, well, it’s been two years. We’ve missed so much of our grandkids, so we decided we would grow up and settle down and enjoy grandchildren now.

Bill: So, we’ve got grandchildren in Charlotte. We’ve got two there, we’ve got two in Black Mountain, North Carolina, and then we’ve got one at the University of Tennessee.

Donna: One in Black Mountain. I mean that’s her summer home and she’s going to college at UT.

Bill: So they’re all in a sort of a beeline right across North Carolina to Tennessee, so you just hopscotch across the state to see them all.

John: That’s a good segue to my… what I think is the last question unless there’s something else that pops up. What’s next for Donna and Bill Elliott?

Bill: Uhhhh….

Donna: Ta-dahhh.

John: You’re still young and full of energy, so what are you going to do?

Donna: Well, we have purchased a lot in South Carolina five minutes from the Culver’s with cheese curds and 45 minutes from our children, so we’re not too close to them. So, we’re going to have a house built in a 55-plus community that we got to spend two nights there, met some lovely people there, so I don’t think we’re going to become permanents. I think we… one of the ladies that we met at the Monday evening dinner showed us her calendar for February and there was one day that she didn’t have something to do.

April: Okay.

Donna: So I don’t think we’re going to be a burden on our children. They may get upset because we don’t have enough time for them, so that’s our next stage.

John: As you were talking, Bill just handed me his phone with this picture, and you’ve got this big old piece of cheese on top of your head, and I have one of those at home also. Or my son does.

Donna: He wouldn’t let me buy that, so I have the little drink one.

John: He wouldn’t buy you that?

Donna: No. Did he show you him with the cheese head on?

John: No, he didn’t show me that one.

Bill: I don’t have that picture.

April: Convenient.

John: That is so cool. That is so cool.

Bill: I took pictures as we were going across the country of signs that I just thought were funny.

John: You sent me some of those, yes.

Bill: And I’ve probably got 60 or 80 of them that I’m going to try to put some sort of a little show together of just those signs, sort of, here’s what we saw across the country.

April: A great coffee table book.

John: Yes.

Donna: Yeah.

John: I tell you, it’ll be something else, too. How about pulling that together and let’s do another interview, a podcast, and share some of those, because some of those have got to be hilarious. You sent some to me that I thought were real funny and were very enjoyable.

We’re about to run out of time here. Is there any closing thoughts that you’d like to share with people that have been listening to your story that might be sitting there going, Wow, I want to do some of that, but I’m not so sure. Just anything that’s on your mind that you would share.

Donna: If you talk to people that do RV, you will know that this is what you should do. People are very friendly in the parks. They love what they’re doing. They’ll answer your questions if you have any hesitation about it, but I just say life is short. Go for it. Don’t think about, Am I going to have a good time? You’ll have a good time. Just don’t worry about it, but do it. Do it while you can.

Bill: We had no bad experiences in the parks with, you know, strange people or of people hounding you or bothering you or whatever. If you saw somebody and exchanged glances and it looks like they want to talk, you can talk, but we’ve never had anybody banging on our door asking for a cup of sugar or anything like that. And we didn’t see any of the RV experiences that you see on the RV show with… what’s the dead comedian?

John: Oh, John Candy?

Bill: No.

Donna: No, the little funny guy, short.

Bill: Well, the RV movie, you know, with exploding toilet systems and things like that.

John: You had none of that.

Bill: We never saw any of those.

John: I know when I had my mother along I didn’t travel as much as you did, but every time I would go to an RV park, if you opened your hood because you’re checking the oil, somebody would come over and say, “Do you have a problem?” And would be helpful, so I would agree with you, Donna, that people are just very friendly. They want to help any way they can. And you meet some very nice people, some very nice people, that it’s a good way to travel in retirement.

Bill: We went to a seminar, which you’ve probably touched on this… We went to a seminar and the guy said, “You know, you don’t need to bring your big Craftsman toolbox that has 19 drawers in it and every tool imaginable and stuff that on your coach and add 200 pounds to tote down the road.” He says, “Wherever you go,” like you just said, “open your hood and there’s going to be five guys in there that have every tool imaginable, you don’t have to carry it because you can borrow it.” And I never had the need to do that, but I saw other people that had to do it and that was really kind of true. But if you get a chance if you’re going to do this, take in some of the educational seminars on RVing, and we went to one that was a real good one that…

Donna: Oh, Lazy Days?

Bill: … Lazy Days in Tampa offered seminars, I think, daily if not on weekends, and they have a driving school where they put you in a coach and let you drive after they’ve educated you on all the things that you should know about. And then there’s a huge RV show in Tampa every January or February….

Donna: But they have them other places, too, that would be good to go to before you….

Bill: … with every vendor imaginable, selling everything that you could possibly use on a coach, you know, in great volumes, so if you go there and you can’t find what you’re looking for…

Donna: And they have classes at this RV thing…

Bill: … and those are very helpful…

Donna: … to help you decide do you want a fifth wheel, do you want a Class A, do you want a Class C, and give you things to think about and talk about. Just don’t run out and buy the first thing on the lot that you see that you like. Think about, I’m going to be living in this, or, you know, is this going to suit my needs? Is it big enough? You know, can it pull a car? Gas versus diesel. There’s a lot to think of so think about it, spend some time going to different places, looking around before you jump in, because I think that’s what we did on the first one. We bought one, it wasn’t big enough.

Bill: Because we didn’t know what we were doing.

Donna: Yeah, so we had it a week.

John: I remember that conversation very well. I remember us talking about that. But I think that’s great advice. No matter what you’re doing, whether it be travel, your financial planning, your retirement planning, get educated. In fact, I remember you folks coming to one of our seminars many, many years ago.

Donna: Yeah.

John: And you’ve always had a desire to learn and grow and get educated before you make decisions, and that’s good advice.

Thank you so much for being with us today. This has been… I’ve learned some things that I didn’t even know about. And I’ve heard a lot of these stories that you shared with us. And thank you so much for joining April and me….

Bill: We went to your seminar for the food, but that food was excellent.

John: But I’m sorry we didn’t have any cheese curds for you.

Donna: Well, good. We didn’t know about them then, so you’re safe.

John: So now I’m in trouble. Anytime I serve something now, you’re going to be measuring me to cheese curds?

Donna: Yes, I am, yes, I am.

John: I’ll remember that. I’ll remember that. Thanks again for being with us and….

Donna: Thank you.

John: April, anything you want to wrap up with?

April: We’re good. That was wonderful.

John: Very good. Goodbye, folks.

Donna: Bye.

Bill: Bye.


If you'd like to know more about John Curry's services, you can request a complimentary information package by visiting johnhcurry.com/podcast. Again, that is johnhcurry.com/podcast. Or you can call his office at 850-562-3000. Again, that is 850-562-3000. John H. Curry chartered life underwriter, chartered financial consultant, accredited estate planner, masters in science and financial services, certified in long-term care, registered representative and financial advisor at Park Avenue Securities LLC.
Securities products and services and advisory services are offered through Park Avenue Securities, a registered broker-dealer and investment advisor. Park Avenue Securities is a wholly-owned subsidiary of Guardian. North Florida Financial Corporation is not an affiliate or subsidiary of Park Avenue Securities. Park Avenue Securities is a member of FINRA and SIPC. This material is intended for general public use.
By providing this material we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. All investments contain risk and may lose value. Past performance is not a guarantee of future results. Guardian, its subsidiaries, agents or employees do not provide legal tax or accounting advice. Please consult with your attorney, accountant and or tax advisor for advice concerning your particular circumstances.
Not affiliated with the Florida Retirement System. The Living Balance Sheet and the Living Balance Sheet logo are registered service marks of The Guardian Life Insurance Company of America, New York, New York copyright 2005-2020. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by Park Avenue Securities or Guardian and opinions stated are their own.
2020-96623 Expires 3/2022

 

 

Preparing for Life’s Financial Threats

Most people aren’t looking for an extravagant lifestyle.

They want to buy a nice home, own a reliable car, save money for their kids’ – even grandkids’ – educations, and put away enough money for a comfortable retirement.

That’s a good life.

To ensure that happens you need to prepare now for the biggest financial danger to your retirement. It’s a danger that many suffered from in the 2008 economic crisis… and the problem hasn’t gone away.

Fortunately, you can safeguard your retirement by following some simple guidelines.

Listen in to discover…

  • The 4 P’s you need in place now for a comfortable retirement

  • Why protecting your money always comes first

  • How to create a living balance sheet to guide your financial decisions

  • When term life insurance or whole life insurance is best for you

  • The reason cash is not king anymore… and what you should focus on instead

Listen now…

 

 

 

 

 

2018-53805 Exp 2/20

 

 

Financial Issues Impacting Members of the Florida Retirement System

For members of The Florida Retirement System, the decisions you must make to optimize your retirement income can be complicated and confusing.

In this interview, John Curry breaks down the key considerations and decisions that are unique to FRS members.

Listen now…

2017-45833 Exp 9/19

How to stay engaged and excited about life (even in retirement) – Dr. Charles Nam

This is a fascinating interview with WWII veteran, pioneer of population study at Florida State, and now a master his own retired life, Dr. Charlie Nam. Charlie shares his keys to staying engaged and excited about the future, even in retirement.

Transcript:

Curry: Hello. This is John Curry. I have the pleasure today of sitting here with Dr. Charles Nam in his nice home, having a glass of wine with him. Charlie is a retired professor from Florida State University, and the reason we’re doing this interview is I’m interviewing people that I call the experts. And I’ve known you since 1976 and over the years you’ve done a lot of work because of your training and education dealing with demographics, sociology, retirement issues, longevity, and we’ve had some fantastic conversations over the years. And I just wanted to share that with people. So, first of all, I want to thank you for allowing me to sit with you and do this in your nice home and enjoy this nice glass of wine.

Nam: My pleasure.

Curry: Take a moment please and just share with people who might be listening to this your background, how you got started at Florida State University, just how you got interested in the things that you’ve studied and shared with me over the years about longevity.

Nam: Well, I was in World War II in combat in Europe… when I was 18 years old.

Curry: But you went in the Army at 17 though, didn’t you?

Nam: Yes.

Curry: I remember those stories about that.

Nam: And I was one of the younger people who fought in World War II, and when I got out of the Army and applied to go to college, I was told that, “It’s difficult to admit you because all of the older GIs that have come out of service were filling up the spaces in the universities and we didn’t have room for you younger guys.”

I went to New York University. At the time, my parents were in the suburbs of New York, and I asked them what it would take to get into the university. And my grades were good and my qualifications were okay and they said, “Well, you’ll have to wait until we have a slot for you.”

And I said there must be some way to get in. And they said, “Would you consider starting in the night school?”

And I said, “Will that get me into the day school?”

And they said, “Well, if you did well in the night school, we would move you to the day school.”

So I said fine, and my first semester in New York University I was in the night school. I had to commute in on the railroad to New York University. I attended courses at night, and at the end of the term they said, “Okay, we’ll put you in the day session.” And I finished the rest of the program in three years and got my bachelor’s degree in applied statistics. Statistics was always an interest of mine in a popular way, like, I’d collected statistics about baseball players and things of that sort. I didn’t even know there was a field like that.

And at the time there really weren’t statistics departments in more than two or three universities in the country, and New York University had what they called an applied statistics program where you took courses in mathematics, economics, business, sociology, wherever there were concerns about statistics. And I benefited greatly from that program.

When I finished it, I applied for a Federal Government job and was hired at the US Census Bureau, which had just taken the 1950 census of population and needed some young professionals to help them develop the data with processing and analyzing the data. So I went to Washington and spent a few years working on the 1950 census. And the people I was working for, my supervisors, were people with PhDs who had already established themselves in the social science professions, and I learned from them what it took to be a professional in the industry. And I got very attracted to it, and so I developed my skills there.

There came a time in 1953 when they said they no longer could retain me because the period of census analysis was completed and they would have to let me go. Well, they had let many more go before me but I was let go as well, and so, through various means, I went back to complete a master’s degree and a PhD at the University of North Carolina.

At that point the Census Bureau said, “Why don’t you come back and you can be a branch chief for us for the 1960 census?” And I did that and spent a few years there, but I wasn’t really satisfied with my professional work there. Government work requires you to do what the government needs to have done, and I’m a little more innovative than that and I didn’t have an opportunity to lead.

Curry: Some people that know you very well would say that innovative is not the right word. Maybe a bit of a maverick.

Nam: A bit of a maverick perhaps. And so I started looking around in terms of university employment, and that’s what brought me to Florida State University. You have to understand that, at that time in the early 1960s, the population in the United States and in the world was growing at the most rapid rate it had ever experienced.

Curry: I did not realize that. So the 1960s was the….

Nam: The early 1960s, the highest rate of population growth in the world and in the United States as well, and that made the Federal Government very sensitive to the need for understanding what was happening with the population, and they built programs to support research and to support graduate education. And so, when Florida State University hired me, I said to the chairman of the sociology department, “Let’s go and get some of these fellowships that they’re offering from the Federal Government.” And we got four of them that came with my introduction to Florida State University. And that started the development of a program which still exists today on population research at Florida State University. In fact, this year we’ll celebrate our fiftieth anniversary as a center for population studies.

Curry: Wow. Let’s hit the pause button for a second. You’ve just covered a lot of material. So here’s what’s going through my mind. I’m hearing a young man, 17 years old, goes into the Army, 18 years old officially. You go to war. If I recall correctly from what you shared with me on our Honor Flight show together, you were in infantry, I believe, so you saw combat. You made it back. You wanted to better yourself, and because of the GI bill, you were able to go to college, but yet, you were thrown a hurdle in front of you – “Well, you can’t come during the daytime; you have to come at night.” So, instead of giving up and saying, “Well, you know, that doesn’t fit me. I’m gonna walk away,” you paid the price and did what you had to do – ride the subway and get to work and go to school at night.

Nam: True.

Curry: There’s a lesson there and the lesson is that, if you truly want something, you have to pay the price to get it.

Nam: That’s right.

Curry: And that’s true whether it be in your field or in my field in the world of business. You have a choice in life, you know. You can endure a little bit of hardship and work hard and work through it, or you can give in and walk away. You didn’t give in. You pursued that.

Nam: Yes.

Curry: Then, you didn’t have – everything wasn’t perfect so you ended up going to Washington DC to work with the Census Bureau, and then they get rid of you because the projects are over.

Nam: Right.

Curry: So you leave, but I’m curious. You didn’t say how you got to North Carolina. Why North Carolina? What happened there?

Nam: Well, when the Census Bureau let me go, I was actually unemployed for two months, because Dwight Eisenhower had become president just shortly before and I admired him greatly because he was our leader in Europe during the war.

Curry: Right.

Nam: And the fact was he had promised to cut back on federal employment and I was a victim.

Curry: You didn’t like him so much then, did you.

Nam: But I kept looking, so it was hard to get other kinds of jobs in the Federal Government, and I was thinking, well, I’ll look around in the private sector, when one of these chance events occurred. In Montgomery, Alabama, where Maxwell Air Force Base is located…

Curry: I’ve been there, because I was in the Air Force.

Nam: Okay. Well, somebody representing Maxwell Air Force Base came to the Census Bureau just before I left saying, “We are developing a demographic unit at Maxwell Air Force Base and we’re looking for an employee who can do some analysis of some data we have.” And my then supervisor said, “We have the perfect person for you.” They interviewed me and I got the job. And I went down to Montgomery, Alabama. I was there for ten months working with them. I got a lot of good experience, and they had several people as consultants that came down there. One of them was a professor from North Carolina and I met him. I guess he was impressed with me and he said, “Why don’t you go on to graduate school?”

And I said, “Well, I just don’t know, you know.”

He said, “If you come to Chapel Hill, I’ll give you a graduate research assistantship and you can work with me.” So I went and took the graduate record examination and passed it adequately and that’s what took me to North Carolina.

Curry: So, again, just dealing with life. Before we turned the recorder on, you shared with me a conversation you had this morning with a gentleman who’s 95. Would you share with our listeners how old you are?

Nam: Well, you’re thinking about the point of chance?

Curry: Yes.

Nam: Yes, I think chance played a role in several points here. The chance that the job at Maxwell Air Force Base was created, which took me down there. The chance that the professor from North Carolina happened to be a consultant at the time I was there and I met him. And the chance that we had managed to connect and he offered me the assistantship.

Curry: But can we also agree that while chance was involved that if you were not prepared, that chance probably would not have been offered? Because I remember reading somewhere as a young man… I think I was in the Air Force. I went in the Air Force at 17. My dad had to sign for me. But I seem to remember while I was in the Air Force that luck is where preparation and opportunity meet.

Nam: Yes.

Curry: So “chance” could be substituted for the word “luck.” So you have to be prepared so that, when that chance can tap you on the shoulder, then you’re ready.
,
Nam: Yeah, I agree with that. And I think my training at New York University for my undergraduate degree prepared me well for the various tasks I did both at the Census Bureau and at Maxwell Air Force Base. So, when we had meetings there that involved the consultants, I was called on from time to time to make comments, and I guess my comments based on my experiences and education impressed them enough to say, “Here’s a fellow who can do something in the future.”

Curry: Very good. All right, let’s go back to Florida State now. So you’re at Florida State University. So you’ve come in. What was your initial role at Florida State?

Nam: Well, because population studies was getting to be a national interest in this country, Florida State was interested in developing a population study specialty, and that was the main reason they hired me. They were counting on me to develop a program.

Curry: So you were hired to come in and start that.

Nam: To start that.

Curry: Now, I did not realize that. I knew that you were head of that department for a long time, but I did not realize you started it.

Nam: I was recruited to do exactly that, and I mentioned the fellowships we got from the Federal Government, and at the time we only had one undergraduate and one graduate course in population studies.

Curry: Take a moment and explain how a fellowship works so people could understand that.

Nam: Well, we had funding from the National Institutes of Health, specifying people who had masters and doctoral training in population studies, and they specified the amount of the fellowship. We would then recruit students who would fit into those slots. But at the time, a lot of very able graduate students did not have funding for their graduate education, so this was considered a plum for them and we had the plum.

Curry: Very good. So you were able to attract talent.

Nam: To pick the best ones, right.

Curry: Over the years when we’ve had our personal conversations, you’ve talked about longevity; you’ve talked about life expectancy. How much did you get involved in that because of your work in sociology and studying population? How did you get an interest in that?

Nam: Well, someone said that in my early career in the demographic field, I was interested in the study of fertility, of childbearing, and then as time went on, I seemed to shift to an interest in migration. But then as I got older and I guess my own concerns oriented me more to life expectancy and what the risks of mortality were. And so most of my research in the last 20 years of my professional career was focused on health and life expectancy. And I’ve done quite a bit of research in that area, which includes the effects of various factors like cigarette smoking and other behaviors that restrict life expectancy.

Curry: Very good. I know in my planning, I tell people, “Look, the seven mistakes that we… that most people make, number one, is underestimating life expectancy. My oldest client is now 100 years old. She turned 100 on February 9th. A lot of clients are in their nineties, even more in their eighties, scaled back to seventies and sixties. I have some clients who come to me because of their parents or grandparents referring them to me that are 22, 25 years old. That’s unusual, because I say, “I’m 64; are you sure you want to work with me? I can get you a younger associate.” But because of the relationship, we work together.

But it’s amazing what I’m experiencing, understanding and studying life expectancy myself. And I’m definitely not a scientist like you are, but over the years I’ve learned that the more I can learn about the subject of longevity, health, nutrition, wellness in general, and help clients understand it, the better prepared they are for retirement, because it’s not just about money.

You know, sometimes people think, “Well, I’ll go to John and get help on the retirement income side.” You know, that’s okay, but if you don’t plan for a long life, you could run out of money. On the other hand, somebody could be like my grandfather. He retired and unfortunately died four and a half years later, and my dad retired and lived 23 years in retirement. So what’s it going to be? Short life expectancy in retirement or a long one? And we don’t really know, do we?

Nam: The research has shown that people don’t die prematurely after retirement, that there are many other factors that have to do with their life expectancy. And I think, you know, partly it’s genetics, what genes you’ve inherited from your parents, and part of it is your own behavior and the risks you take in life. And you have to weigh both of those things as you think about life expectancy.
\
In my case, my mother lived to 83 and I’ve already passed that, and my father lived to 94 and I haven’t reached that yet. And I’m sort of in the middle of those two life expectancies. Well, you would expect that the son of two people who lived to old age would also live to old age. However, my oldest sister died at 69, so she didn’t even make the life expectancy of my mother. So there are a lot of factors that contribute to what life expectancy will be.

I’m very fortunate that I’m approaching 91 and in reasonably good health. And as you indicated earlier that I’m very conscious of my diet, my exercise, my general behavior. I don’t smoke. I drink very moderately, and I think that’s been to my benefit.

Curry: No doubt. No doubt. What does your research show as far as the impact… and we have the ability with behavior modification to maybe beat up the genes, or is it the way we’re born, the way it is?

Nam: Well, you inherit your genes. There’s nothing much you can do about that.

Curry: Right.

Nam: And so, what you have to do is take that as a given and then consider how you behave yourself to improve your life expectancy. I think people have underrated the importance of physical activity and the mental activity, because it isn’t just a matter of having your body be healthy. You have to have your mind be healthy, as well. And, you know, dementia has become a big problem in our society at older ages, and you can postpone dementia or avoid it by using your mind very well, as well as taking care of your body. Research has shown that these things do affect the risk of getting some form of dementia.

Curry: I do a lot of reading in that area, and I’m convinced that the things that I’m doing from the standpoint of doing martial arts, staying active, physically, mentally, will help me from the standpoint of hopefully delaying or postponing those type things, dementia, Alzheimer’s. The studies I’ve read, and they’re definitely not always scientific studies, have indicated that the more we can do things like doing puzzles, anything like dance, martial arts, where you have to think things through, make your mind work, make the brain work, that it’s good for you. So you’re simply confirming that.

Nam: Yeah, I think so. Exercise can be mental as well as physical.

Curry: Yes, yes. I had the pleasure in December of going to San Diego for a program called Unbeatable Mind Retreat. It’s put on by a retired Navy SEAL commander. And he talks about the five mountains to self-mastery. Number one is physical, then mental, emotional, intuition, and spirit. His premise is that, if you’re not physically fit, then you’re not going to be able to transport yourself around and do the things you need to do. But if you get physically active, your mind gets involved mentally, as you said a moment ago. If you are physically and mentally in control, you have better control of your emotions. You’re not so quick to be angry, lose control.

And then the intuition is following the gut. He said that it’s been proven by scientists there’s more nerves in our gut than anywhere else in the body, and he gives the example in Navy SEAL training, Charlie, that if they’re supposed to go to the right, if they have this gut feeling that that’s a mistake, go to the left. They do it to follow the gut. They’re taught to follow the gut.

And then the spirit, he talks about the corps of spirit that in Japanese that is the blending of the mind and body. What is your spirit? And I would say that when you were first told there was no place for you during the day you had that fighting spirit of “I’m going to make this happen,” unbeatable, and you found a way.

I’m interested in knowing more about how you’ve used that over the course of the years, because you’ve done a lot of research. You have been very active in your profession. I know that you’ve been president of various organizations. I don’t recall the organization, but I remember us talking about some organization or conference you go to pretty much every year, I think you said, for about 50 years?

Nam: Yes.

Curry: What organization is that?

Nam: Population Association of America. It’s the National Association of Demographers. And I will be going to their meeting in Chicago next month.

Curry: That’s great. Now how many years have you gone to this?

Nam: Well over 50.

Curry: Well over 50?

Nam: Yes.

Curry: Well over 50. So here you are, you’ve already revealed your age so I’m going to say it. So here you are almost 91. Why in the world would a 91-year-old fellow get on an airplane and travel to something like that? Why are you doing that?

Nam: Well, in my case, it’s a matter of staying in touch with my field. Of course, most of my peers have either left the Earth or are no longer active, but I’m interested in the research, particularly in my areas of interest, and it’s a good experience for me. But there’s still another thing which is important and that is staying active in a lot of different ways. Here in the retirement community, I volunteer for a lot of activities, and I had my own rule that every six months I will start a new activity.

Curry: I like that. Why every six months?

Nam: Well, that’s just kind of a rule of thumb, and I’ll give you an example of the kinds of activities that I’ve been involved in recently. One, as a teenager I played table tennis, but all the years since, I’ve never played. Here at Westminster Oaks, we have a table tennis team, and people mostly in their seventies and eighties and they’re very competitive. They go play in tournaments in Tallahassee and Florida at large and usually come back with gold, silver, and bronze medals.

Curry: Very nice.

Nam: And so they talked to me about joining the team. I said, “Well, I haven’t played since I was a teenager.” They said that’s okay. Well, I’ve gotten to the point where I’m the leading 90-and-over player on the team.

Curry: Very good.

Nam: And so that’s an example of a new activity. It’s both physical and mental in terms of its capacity.

Curry: Let’s break that down for a moment. You’ve got the physical, the mental, and you’ve got the social aspects, and the competition makes you strive to be better.

Nam: Absolutely.

Curry: Instead of sitting here watching television all day.

Nam: Exactly. And let me give you one other example. I never in all my life acted on a stage, not even in elementary school when there were plays. I just rejected all that. Well, here at Westminster Oaks, a woman who is a resident, who is experienced with teaching acting, offered a class. She said, “Why don’t you come to the class?”

And I said, “Oh, I can’t act.”

She said, “Well, just come to the class and sit in it.” Well, I came to the class. It was kind of interesting. She offered an advanced class after that and I joined that. And the next thing you know I was in one play and then a second play, and I’m not getting ready for a third one. And I’ve become an actor at age 90.

Curry: So when will we see you on Broadway?

Nam: Not quite Broadway but…. This is another example. It’s physical, it’s mental, and it’s social as you pointed out.

Curry: And a sense of accomplishment, personally, on the individual side.

Nam: Yes.

Curry: You’re doing something that’s…

Nam: And it’s not that I have those skills necessarily, but people are willing to let me present those skills that I have.

Curry: I love it. I love it. Let’s switch gears for a moment, and I’m going to ask you to pretend you’re sitting in front of an audience, standing in front of an audience, and you’re giving them advice about this thing called retirement. What words of wisdom would you share? Getting ready to retire, working up to it say five or ten years before retirement, and then going into this thing called retirement and after. What are your thoughts?

Nam: Well, the first thing I would say is that, if you’re going to retire from your work situation, don’t think of that kind of retirement as being near the end of your life, that you still have to be very active beyond that point. Well, I would say, first, try to extend your work life as long as possible, because first of all it would be remunerative and, secondly, it would build up a lot of experience that would be good for you in your later years. But apart from the work experience, I think once you retire you have to adopt a set of activities that will keep you going, that will keep you alert, that will allow you perhaps to develop some new skills. Because there’s increasingly, with life expectancy going up, there are more years after work that we have to live and we can’t just be vegetables. We have to be active.

Curry: How old were you when you retired from Florida State?

Nam: I was approaching 70.

Curry: Approaching 70. Why did you work beyond, quote, normal retirement at age of 65? You could have retired. Financially, I know that you had the resources.

Nam: Well, I was still involved in research projects, still involved in teaching, and I didn’t dislike it so… and I understood there were benefits, for example, for Social Security to continue working till 70. I would get an increased benefit and also in my pension from the State of Florida, so that was to my benefit, as well.

Curry: So you had the benefit of having the salary up until retirement, and you increased your benefits later in life.

Nam: Yes.

Curry: We would call that delayed gratification.

Nam: Absolutely.

Curry: But at the same time, you were still contributing right up until the day you retired. It’s not like you were coasting. You were enjoying yourself and working.

Nam: That’s true.

Curry: Was it difficult for you to walk away from this thing you created and retire? It had to be somewhat difficult.

Nam: Well, the fact of the matter is I haven’t walked away from it.

Curry: Oh, okay. So the truth is coming out. You’re still working.

Nam: I still have an office at the university, for example.

Curry: Okay.

Nam: And here it is, I mean, I retired in 1995, the end of 1995. I still have an office because I’m still doing at least a small amount of academic research, and I give occasional guest lectures, and my colleagues like to have me around every once in a while and so I go to their staff meetings once a month. And it’s good for me and I suppose it’s good for them, as well.

Curry: That’s great. So what I’m taking from that, the last few minutes there, is you’re still contributing; it’s good for you; it’s good for the younger folks that are around you; so everybody’s winning. It keeps you active; it keeps you bright; and you have the social engagement that you want.

Nam: That’s true. And it’s not just the university. For example, we’re sitting at a table here and you notice that there’s a lot of pieces of paper on there.

Curry: And a lot of books.

Nam: And a lot of books. And what that represents is that I’ve just completed a survey of residents at this retirement village that has to do with the extent to which they’ve experienced falling, maybe injuring themselves and maybe not, and what some of the factors were that may have contributed to it. And this is a study we’ve just collected all the survey forms and I’m doing the survey itself and the analysis and I’ll write a report, which is something that maybe I could have done in the university but now I’m doing outside of the university in my own retirement village. And I enjoy doing it.

Curry: Well, we were talking earlier. On one hand, you’ve retired from, quote, going to the office every day, but you haven’t really retired. You’re still doing the things you enjoy doing.

Nam: Cut back at my time, but not retired.

Curry: I like to ask people this question: What does retirement look like to you? What is your vision of retirement? And I keep three books on my bookcase facing out. One is Kirk Douglas’ book, Life Could Be Worse. We share the same birthday. December 9th he turned 100 and I was 64. And I have George Burns’ book, 100 Years, 100 Memories. He died at age 100, 100-plus. His birthday was in January; he died in March. And I have Betty White’s book. She’s 95. Now, Kirk Douglas is still productive even though he had a stroke. He’s still contributing. He’s still actively doing things.

I’m of the opinion from the reading that I do that the people that are happiest and clients that I see are happiest are the ones who are still doing things beyond retirement. The ones that are the most miserable, Charlie, are the ones who sit around all day long, watching the television, listening to the talking heads telling them how the world is coming to an end. They are not active; they’re not social; they’ve become recluses. They are the most miserable people that I engage with. They’re just not happy. The people that have friends, they’re socially involved, they’re dynamic, and it doesn’t matter if you’re 70 or if you’re 90 or like my client who’s 100. She’s still driving. She won’t drive at night, but she’s still driving during the day.

So it just blows my mind to see people that are in their thirties or forties that act like they have no energy, and then I’m around you and every time I see you I have to remind myself of your age because you look 20 years younger because you take care of yourself. Now, I know genetics applies in there somewhere, but you make the conscious choice to get up and go work out at the gym here every day. You make the choice of eating properly. So it’s not just genetics. You have to also modify your behavior and you’ve managed that.

Nam: And I think another important point as you think of the people that you deal with in your profession is that you don’t have to be regarded as successful. Your peers don’t have to regard you as successful in your work to carry on beyond. I think, you know, what is success is a fluid kind of concern, but you have to think about your health and your ability to live a long life. And being active in various ways is something anybody can do. You may have special interests that aren’t related to your work career at all. Some people are runners. Some people are walkers. Some people go to the gymnasium, Premier Health, to keep up their activity. Some people have all kinds of projects of their own that may not concern outsiders but engage their physical and mental health.

Curry: I agree with that. And over the years I have redefined what success means. When I was younger, I was chasing this rabbit. I’ve got to do this to please these people, do this to be viewed as successful. Now my definition of success is doing the things that I want to do with the people I want to do it with when I want to do it.

For me, Monday and Wednesday nights for two hours I do kickboxing for an hour and a style of Israeli fighting called haganah for an hour and I do it with my son. So we’re doing stuff together. So we have that bonding for a 64-year-old father and a 33-year-old son. We have the social interaction with the other people in the class and the instructor. We then talk about it so we’re doing it to learn from the standpoint of the physical fitness, but the mental development is there.

And our son was involved in a car accident four and a half years ago, had some head injuries, some brain damage, and to see what has happened, Charlie, with the physical and mental development because of being physically active, today he is totally functional. He can take care of himself. We were having trouble with his concentration and focus for a while, but he’s overcome that big time. He’s excited, he’s happy, he’s more fun to be around, and we’re doing these things together.

So it’s not just about work, work, work so I can get to some magic age and retire. It’s not that at all. I think we should build in retirement along the way. Take some time off, go do some things, take that Friday afternoon off and have a glass of wine and talk with a friend. Do the things you enjoy doing. I like taking long walks in the woods myself. I love that, an hour, two-hour walk, hiking with the Boy Scouts and Cub Scouts. I enjoy that.

We need to close this in a moment here, but what would you say to the person that’s listening to this that says, “You know what? I don’t like my job. You’re lucky because you loved your job,” but the person who is sitting there going, “I don’t really like my job. I’m okay with it.” Or even the person who says, “I hate going to work every day.” Any thoughts for that person so that they could get better prepared for retirement and be able to walk out the door at some point and enjoy life?

Nam: Well, if you really don’t enjoy what you’re doing, you should look for other opportunities, I think. You know, the years I worked at the Census Bureau were rewarding in some ways but not in other ways, and that’s what led me to the university career. And so you have to be willing to make changes if the opportunities present themselves. But if a career is rewarding in enough ways, you may have to stick with it until retirement, but I think our economy is such that one can move from one sector to another pretty easily if you’ve got the training and the skills to make the move. But if you’re unhappy in a job, it’s better that you look at other opportunities.

Curry: I agree with that, and if you don’t have the training and the knowledge, it’s okay to start working on that. You can go to the library. You can go to the Internet nowadays. You can just sit at your house and read and study. I have to tell you. In my world I’m amazed at the number of people who do not take advantage of the opportunities to improve themselves. So it comes back to what you said earlier. You have to make the decision to improve. You have to make the decision to get on that subway at night and go back into town to take that class.

Nam: And it might not only be a question of formal education. It might be a question of taking a particular course in some subject that would give you additional skills in your job that would help you to advance in your profession.

Curry: Yes. I remember reading an interview you did with someone about your experience in World War II, and I seem to remember your parents never went to college. They worked in the business world.

Nam: My parents never got out of elementary school.

Curry: I’d forgotten that. So they did not get out of elementary school. So what do you think caused you to aspire, to pursue the education you have? I know you’re very low key. You don’t want to be called Dr. Nam, but you are a Ph.D. But you had some drive to pursue the B.S., the master’s, Ph.D. What do you think was the difference? What was the drive?

Nam: Well, at the time I was a child, not a lot of people went to college. It was still a… it was very different from today.

Curry: Yes.

Nam: And my parents who had elementary school education would like to have their children finish high school. That was their goal, get through high school. Today…

Curry: And then get a job?

Nam: That would be considered… yeah, and get a job. Today that would be considered ludicrous in a way because we think of college all the time as the ultimate goal. Well, my older sister, and I have a younger sister, as well, we all finished high school. My older sister went on and got a two-year college education, community college education, let’s say. So that kind of motivated me some. But to be honest, I really thought that if World War II hadn’t come along I would have finished high school and taken a job, maybe as a shoe salesman or something of the sort. And so the opportunity that came from the GI bill was important for me.

And another factor was that I had cousins, sons of an older sister of my mother’s, who went on to college and that was kind of an incentive for us to consider further education.

Curry: So, a bit of a role model.

Nam: Yeah.

Curry: Before we go, would you please share the story about how you ended up going to Harvard because of the Army program. You told me this on the Honor Flight, and I still chuckle about this. Would you share that?

Nam: Well, I finished high school and just two months after my 17th birthday and World War II was raging at the time, people were getting drafted. And I knew that in due time I would be subject to the draft, but I thought, well, I still had most of the year to go before I would get drafted, so I went and took a couple of courses of mechanical drafting at Delehanty Institute in New York, thinking that this would give me an opportunity to work in one of the defense industries, like, Grumman had a factory out in my area. And I took these two courses, but I couldn’t get the job because when I went for interviews they said, “Oh, you’re going to be drafted very soon. We can’t hire you.”

So I went down to an Army recruiting station just to get some information, and I said, “Look, you know, I’m not yet 18. I can’t get in the Army.” I could get in the Navy at 17 but I wasn’t interested in the Navy at the time, and they said, “Well, we could put you in the Army Reserve and when you’re 18 we would make you active.” And then they said, “But one other thing, we have a new program we just started nationally where we take 17-year-olds who score well on a test and put them in the university to get training that would be useful to the Army.” They said, “Would you be interested in taking a test?” Well, first they asked, “How were your grades in school?”

I said, “Fairly good.” And then the test, I said, “Sure, what have I got to lose?” I took the test and a few weeks later I got a letter from the Army saying please report to Harvard University for the fall term.

Curry: That’s funny.

Nam: And so in August of 1943 at age 18 I was starting my first year at Harvard. I was there for one year, two semesters, and the military situation in Europe got very bad and they stopped all those programs and put us into active duty. Eventually I got overseas. But I was in combat when I was still 18.

Curry: Wow. First of all, thank you for your service to our country. Thank you for being such a good friend and mentor and inspiration to me all these years. And, Dr. Charles Nam, thank you for taking the time today. I appreciate you so much.

Nam: Thank you.

Curry: Thank you.


If you'd like to know more about John Curry's services, you can request a complimentary information package by visiting johnhcurry.com/podcast. Again, that is johnhcurry.com/podcast. Or you can call his office at 850-562-3000. Again, that is 850-562-3000. John H. Curry chartered life underwriter, chartered financial consultant, accredited estate planner, masters in science and financial services, certified in long-term care, registered representative and financial advisor at Park Avenue Securities LLC.
Securities products and services and advisory services are offered through Park Avenue Securities, a registered broker-dealer and investment advisor. Park Avenue Securities is a wholly-owned subsidiary of Guardian. North Florida Financial Corporation is not an affiliate or subsidiary of Park Avenue Securities. Park Avenue Securities is a member of FINRA and SIPC. This material is intended for general public use.
By providing this material we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. All investments contain risk and may lose value. Past performance is not a guarantee of future results. Guardian, its subsidiaries, agents or employees do not provide legal tax or accounting advice. Please consult with your attorney, accountant and or tax advisor for advice concerning your particular circumstances.
Not affiliated with the Florida Retirement System. The Living Balance Sheet and the Living Balance Sheet logo are registered service marks of The Guardian Life Insurance Company of America, New York, New York copyright 2005-2020. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by Park Avenue Securities or Guardian and opinions stated are their own.
2020-96613 Expires March 2022

2018-53819 Exp 2/20

Planning for FRS Members

In this deep interview, Marjorie Scheolles, one of my clients, grills me and I share...

  • The four big threats to your Secure Retirement

  • The four options under the Florida Retirement System

  • Our approach to structuring a Secure Retirement Plan, which you can use yourself, with your current advisor, or with our team.

2019-19506 Exp 1/22