Podcast Episode
Money, Mindset, and Mental Health: Paris Cluff’s Journey to Financial Freedom
In this powerful episode of Overcome: A Mental Health Podcast, host Travis White sits down with Paris Cluff, a husband, father, and financial coach, to explore how money, mindset, and mental health intertwine...
November 3, 2025
Money, Mindset, and Mental Health: Paris Cluff’s Journey to Financial Freedom
In this powerful episode of Overcome: A Mental Health Podcast, host Travis White sits down with Paris Cluff, a husband, father, and financial coach, to explore how money, mindset, and mental health intertwine. Paris...
Episode Overview
In this powerful episode of Overcome: A Mental Health Podcast, host Travis White sits down with Paris Cluff, a husband, father, and financial coach, to explore how money, mindset, and mental health intertwine. Paris... This conversation unpacks money mindset mental health with practical insight and lived experience.
What We Discussed
- Paris Cluff explores money mindset, financial stress, faith, rebuilding after loss, and how finances can affect mental health and freedom.
- Free Resource: Download Paris’s free ebook and learn how to find hidden money in your budget at ParisCluff.com/freebook
- https://www.etsy.com/shop/OvercomeMentalHealth
- Follow Overcome - a Mental Health Podcast
- Want to have a real conversation about your mental health? Fill out this form!
Who This Episode Is For
- Men trying to process emotional pain without shutting down or isolating themselves.
- Listeners navigating money mindset mental health or supporting someone who is.
- People looking for honest, practical mental health conversations instead of surface-level advice.
- Anyone who wants real stories about resilience, healing, and rebuilding after hard seasons.
Key Takeaways on Money Mindset Mental Health
- Paris Cluff explores money mindset, financial stress, faith, rebuilding after loss, and how finances can affect...
- Free Resource: Download Paris’s free ebook and learn how to find hidden money in your budget at...
- https://www.etsy.com/shop/OvercomeMentalHealth
- Follow Overcome - a Mental Health Podcast
Guest
Paris Cluff’s Journey to Financial Freedom
Visit Paris Cluff’s Journey to Financial FreedomResources & Links
Transcript
Show full transcript Timestamps included
0:01
Hello and welcome to Overcome, a mental health podcast.
0:04
I'm your host, Travis White.
0:06
This is a place for you to share your mental health stories.
0:09
I'm very excited about tonight's guest.
0:12
I'm speaking with Paris Clough.
0:14
Paris is a husband, father, and financial coach.
0:18
Welcome to the show, Paris.
0:20
Thanks for having me.
0:20
I'm excited to be here.
0:21
I think we're going to have a great conversation.
0:24
same here and without wasting any time I'm just gonna have hand the microphone right over
0:24
to you and let you tell you your tell us about your journey
0:33
Sure, you bet.
0:35
I actually got started as a financial coach in 2001.
0:40
I was working for a corporation at the time and the HR department came up and said, hey,
0:40
Paris, you qualify for the 401k.
0:47
And I was like, what in the heck is that?
0:49
know, some new code that I got.
0:52
I did something wrong or right.
0:53
Anyways, all I knew about money at that point in my life was it was green and I wanted
0:53
more.
0:58
And I decided that I was going to really invest in my future and my retirement.
1:03
I needed to know what I was doing.
1:04
It was an important thing for me.
1:06
Like it was like, who am going to marry?
1:08
What house am I going to buy?
1:08
How many kids am I?
1:09
Like, what is your retirement?
1:10
Like those are all important decisions for life.
1:13
And I thought I didn't, I didn't want to leave it to chance.
1:15
I asked a couple of my coworkers what they did and they were like, well, we threw darts,
1:15
flipped coins, put it on the company stock.
1:20
I'm like, that's not what I want to do.
1:23
And so I started really learning a lot about em money.
1:26
started reading books and
1:27
just becoming self-taught.
1:29
one of my coworkers turned to me one day and she said, Paris, you have, can you help me?
1:34
I don't know what to do.
1:34
And she was a little older.
1:35
And so I thought, well, that's strange.
1:37
I thought you knew already, like you, I thought you would know.
1:40
And she, she basically said, no, I need help.
1:42
And I shared with her what I was learning.
1:44
And what, after I had, had the confidence to finally make my own choices in my own 401k, I
1:44
shared with her what I did and what I'd learned.
1:50
And she turns to me, she says, Paris, you have a gift.
1:52
You should do this for a living.
1:53
Like you.
1:54
have a way of explaining things and making it super easy and simple to understand.
1:59
And I was like, thank you.
2:00
And so I kind of was pursuing it as a career.
2:02
went to the local university and I had my degree, my associate's degree, and I was going
2:02
to go get my bachelor.
2:08
Anyways, in the process of doing that, I met another guy who was a recruiter for financial
2:08
services, a financial advisory firm.
2:15
And he's like, Paris, you can go to school and you can learn and then earn, or you can
2:15
work with us and earn while you learn.
2:21
And I was like, well.
2:22
have a young family and I want to earn, I'd rather earn while I learn.
2:26
And so what was interesting is that today we call them side hustles.
2:30
And back in those days, I don't know what we call them, but it was, I was basically one of
2:30
the pioneers of side hustle.
2:35
Cause I worked full time and I had my side hustle in financial advising and financial
2:35
services.
2:39
And then I went full time and did it.
2:41
And I was building a really successful business.
2:43
And as a man, as a husband, as a father, I'm going to kind of just open up a little bit.
2:48
We like to...
2:49
We associate our self-worth a lot of times with our net worth.
2:53
And we associate our ability to provide, because that's what we're supposed to do as men,
2:53
right?
2:59
We're supposed to provide.
3:00
And well, not just men, but mothers too, right?
3:02
Moms are to do that.
3:04
Whoever's listening, if you're a father or a mother, you know, your job is to provide and
3:04
to protect and to preside over that organization, your family.
3:13
And so I was cruising along.
3:15
I was making a bunch of money.
3:16
I was building an agency.
3:17
I was...
3:19
you know, bringing on other agents and training them.
3:21
And I was building an agency where I could actually make money on the agents I was
3:21
training.
3:26
So I was, I was headed towards six figures and then anybody who's old enough to remember
3:26
2008, 2008 hit like a freight train for me.
3:33
Anyways, I was in, I had a lot of clients that were real estate investors.
3:37
They would buy a property and flip it and take a bunch of money and they put it in with, I
3:37
didn't, I'd manage it for them.
3:43
And then they would.
3:44
you know, take the money and go buy the next one.
3:46
And in 2008, the economy made such a huge shift that a lot of my clients couldn't sustain
3:46
their properties and maintain their investments with me.
3:59
And as a financial advisor, we get paid for how much assets we have under management and
3:59
for the different mutual funds and that we've sold.
4:09
And when those are drained or taken or closed out, when those accounts are closed out, our
4:09
income stops.
4:16
I went from knocking on, and I was commission only.
4:20
I'm 100%.
4:21
I didn't work for W2.
4:24
so entrepreneurs have a, there's a, entrepreneurs have a little weird thing in their head
4:24
anyways, right?
4:29
We do, for those who are listening who are entrepreneurs know we were a little weird
4:29
anyways.
4:34
And so I was in 2008 when that downturn hit, I...
4:39
I just remember one day my income went from knocking on the door of a hundred grand to the
4:39
next year I think I made just under 20 grand, which is not good for a husband and father.
4:50
I had three or four kids at the time.
4:52
Anyways, yeah, I had four kids at the time.
4:54
I have five total now, but I had four at the time.
4:57
And I just remember sitting on the couch in the living room.
5:00
I had literally drained all my savings and my credit card companies and my lenders, my
5:00
house, my cars, they were all calling me every day, like 10 times a day.
5:11
I don't know if you've ever been in that situation.
5:13
And what's funny is that a couple years prior to this, I had read a book, which is really
5:13
good.
5:18
It's called The Ultimate Gift.
5:20
And in that book, the guy who's the main, one of the main characters, and I won't ruin the
5:20
book for you, but it's a really good book.
5:27
One the main characters says, you've never really lived until you've lost everything.
5:31
And I was like, okay, I didn't really appreciate that at the time because I'd always been
5:31
blessed and I always had what I needed.
5:38
always had resources.
5:40
I had a wonderful family.
5:41
My wife was a stay at home mom and we were just doing great.
5:45
And then I lost everything and I had to check myself and I had to see if I was willing.
5:51
I learned that that's true.
5:52
really do live.
5:54
Like life is real when you're on food stamps.
5:57
Life is real when you're in the fetal position saying what happened to me?
6:02
How did I get here?
6:03
How do I get out of this?
6:04
And I just remember sitting on the couch and I had just gotten off the phone with one of
6:04
the most ruthless credit collection company guys.
6:11
And he was just like, we're gonna take you down.
6:14
We're gonna.
6:14
you know, bankrupt you, we're gonna do all this stuff.
6:16
And I just remember sitting back on my couch just like, God, what do I do?
6:21
Like I've never been here before.
6:22
And it hit me like a, I literally for a minute, I think I, it just, the weight of the
6:22
pressure just hit me so hard I lost my breath for a second.
6:32
And then all of sudden I had this really strong feeling of you're gonna be okay, just get
6:32
to work.
6:39
And it took three or four years.
6:43
to finally come back from that.
6:45
But it was one of the toughest.
6:47
I would never, I don't wish it on anybody, but I would say that it was the most, it was
6:47
the most profound experience of my life and has built, was a pivotal moment.
6:59
It was one of those, I call them defining moments in life.
7:03
defining moments for me is when I get married, when I buy my first house, when you have
7:03
your first kid, even every kid, right?
7:07
It's a defining moment, but.
7:10
when I lost everything and I had to reevaluate my worth as a man, as a father, as a
7:10
husband, as a business person, as an entrepreneur, like was I going back to W2 or was I,
7:19
you know, did I lose everything to, you know, go back to, you know, that, um, working for
7:19
somebody else or was I going to be able to, you know, save this and salvage this and move
7:28
forward?
7:29
And, um, so that's kind of, today, thankfully, I have a six figure passive income, uh,
7:29
mostly passive.
7:36
And I have a significant six figure net worth.
7:39
I'm not a millionaire, but I'm definitely living with a lot of tools and strategies today
7:39
that I didn't have back then that have, there are kind of contingencies and I have plans
7:52
and backup plans.
7:53
And one of the things that I learned going through that was that you can have a goal, but
7:53
if you don't have a plan, you're not going to achieve it as readily.
8:01
And the plan really helps me.
8:03
Like if I know
8:05
If this happens, what do I do?
8:07
Well, I have a plan for it and that helps me with my mental health.
8:10
And so that's kind of the things that I've learned over those years.
8:12
I've really learned how to help people manage, protect and grow their money from the
8:12
things I've learned by mismanaging, misprotecting and not growing my own.
8:20
So I, when I teach people as a coach, one of the things I teach them is, Hey, this is how
8:20
I do it.
8:26
This is, I'm coming to you from moral authority here cause I've lived it and I was, I
8:26
remember
8:31
I don't know if you have any questions Travis, but I'll just keep going.
8:36
I just remember one day sitting in the grocery store, I was in the line.
8:43
And again, I was making almost six figures at my job before I quit.
8:47
So to have entrepreneurial business that kind of gets you back to that and then lose it
8:47
all, it's like, wow.
8:53
I remember sitting at the grocery store,
8:56
as the lady was or the cashier, I'm saying lady, but it might've been a man that was
8:56
ringing everything up.
9:02
And I was like, shoot, I can't afford that.
9:05
I got to put it back.
9:06
Cause my EBT card would only allow me to buy so much money, so much per month.
9:10
And so I was just like, dang it.
9:12
I can't put that, put that back.
9:13
And I was like, can you put that back and put this back?
9:15
And I got to the point where it's just, you know, it's embarrassing, frankly, to have that
9:15
experience, but it was where I was at and it was what I was able to do.
9:24
the when we turned in our EBT cards when we actually called them up as soon as we could
9:24
and we said, hey, we're we don't need them anymore.
9:29
It was like, what?
9:31
Like nobody ever calls us and tells us they don't need these things anymore.
9:34
So it was kind of fun once we finally got through that whole process.
9:37
So it was it was quite the experience coming out of it.
9:40
And I just remember sitting, you know, praying and I'm a man of faith.
9:44
I try to be anyways.
9:45
And I was just praying to God like, help me, help me understand.
9:49
Help me have the mental fortitude and the toughness to get through this and get out of
9:49
this.
9:52
And I just remember literally sitting in the fetal position more often than not.
9:56
thankfully I've healed so much from that experience that I can talk about it openly and
9:56
really kind of help anybody who has a similar experience.
10:05
But that was the most significant trauma and depression time of my life.
10:11
I've had others like I think we shared right before the show.
10:14
This last year was a real tough one with my wife and her health.
10:17
And what was amazing to me is that just to kind of reiterate, her health was so bad.
10:22
She took, I mean, she had days where it was the whole day she was a panic attack, like the
10:22
whole day she was going through it.
10:29
watching your sweetheart go through that is not easy at all.
10:32
And so I have a little PTSD, frankly, from some of that myself, but...
10:36
What was cool about financially speaking on that is we were able to afford to take, to
10:36
make sure that she got the care that she needed and we were able to pay for it and get it
10:47
taken care of because we were so much smarter with the way we dealt with our money this
10:47
time.
10:53
And that gave me some, as anxiety and provoking and panicking as it is to watch your
10:53
sweetheart go through something horrible, it was nice to know that at least I could afford
11:04
it.
11:04
at least I could take care of it financially.
11:06
And even if it cost us more money than we could afford, we have resources to pull from to
11:06
be able to take care of it.
11:12
And that kind of helps me with my, like I'm a little, I love spreadsheets and I love
11:12
analyticals and all this stuff, you know what mean?
11:20
So my money is all in these places and I have fun things that I do with my money to make
11:20
sure that I have money for things that come up.
11:26
And we can talk a little bit more about that if you want, but.
11:28
That was kind of a big thing this last year even that I had to go through on some issues
11:28
that I'm dealing with with my own mental health right now even.
11:35
it's like it to me, mental health is something that's lifelong, it's ongoing.
11:42
you might have a, so what was it 15 years ago, I had a significant defining moment and did
11:42
okay for five or 10 years and got back out of it.
11:51
Well, it took me three or four years to get out of it.
11:53
And then it was,
11:54
Um, you know, by 2017, I was pretty cool.
11:57
And then just up till about last year or two years, um, now I'm back working through some
11:57
things that I've had to deal with in the last couple of years.
12:06
So it's, I feel like, and maybe I'm only 50.
12:09
So, uh, you know, when I'm 60, maybe I'll have another one.
12:12
Who knows?
12:13
Right.
12:13
But I feel like every time I have one, I learn a little bit different from it.
12:18
And just to kind of give you an idea, I'll, I'll, um, I'll turn it back to you after this
12:18
comment.
12:25
I remember, so 2008, 2009, really 2010, it just kind of ripple affected and domino
12:25
affected the whole, but I remember going to a conference for my company and some of my
12:37
friends that I, they're all over the country, they all come together in Vegas, all of the
12:37
people in the business that I was involved with, all the financial advisors would come to
12:48
this convention every year from all over the country.
12:50
And I remember asking about a couple of people that I saw the previous year.
12:54
and said, hey, how are they doing?
12:56
And they're like, they didn't make it.
12:59
They took their lives because they were so panicked and so much anxiety, so much
12:59
depression from having their clients and their own money just losing everything.
13:07
And I was like, wow, that was real.
13:09
Like that was a real event for a lot of people.
13:13
it happens again in 2020, but I survived it because I was so much more prepared.
13:18
Like that's something that I learned coming out of that 15 years ago is.
13:23
I need to be better prepared for whatever life can throw at me.
13:26
And that's given me a lot.
13:29
I had a lot of anxiety going through the whole 2020, 2021, 2022 as well.
13:36
And I feel good now because we made it, you know, we made it and we were okay.
13:41
But that's kind of my story, Travis, for in a nutshell.
13:45
really cool to hear a story where you were able just to push through it and overcome the
13:45
hard times.
13:52
I was laid off three times in seven years.
13:55
So I can relate a little bit to, I wasn't to the point where, like, you know, I saw a
13:55
little bit of savings, not a ton, but it was basically living off of unemployment.
14:04
But
14:05
It seems like each time that I got a new job, that new job was just a little bit better,
14:05
more money, and just a step above the last.
14:12
So like, even though it was harder each time, because it's like, nobody likes to get laid
14:12
off.
14:16
it's like the last time I was laid off, had two kids, now I have three.
14:21
And it's like, well, I have more mouths to feed.
14:24
Like, what am I going to do?
14:26
So it's like finding those tactics to, you know, keep going.
14:30
like you said, putting your trust in God.
14:32
But when it comes to like the dark times, what role does mindset play in your life to help
14:32
you overcome that depression or that anxiety?
14:43
I think to me mindset changes everything.
14:46
It really does.
14:48
I, so as an entrepreneur, when I first started my entrepreneurial journey, I had the
14:48
opportunity to have some mentors that were like, look, entrepreneurialism is not for the
14:58
faint of heart.
14:59
You kind of have to have some mental toughness to be an entrepreneur.
15:02
So go read these self-help books.
15:05
And I know that, you know, self-help books to some people listening might sound boring as
15:05
heck, but I'll tell you.
15:11
those self-help books, I was in the deep dark pit and abyss, if you will, those
15:11
affirmations, those techniques, those strategies, I feel like my belief is that, you know,
15:26
so if you don't mind, I'll quote a scripture real fast.
15:29
In John, apostles were a little bit nervous and.
15:33
because Jesus was about to leave and he's like, they're like, what do do when you leave?
15:37
And he's like, don't worry, I will send the comforter and the comforter will remind you of
15:37
the things and he will bring all things to your remembrance.
15:46
And I was like, in those moments, I feel like the comforter came to me and brought those
15:46
things to my remembrance and reminded me, hey, Paris, you have strategies, you have mental
15:58
toughness techniques, you have strategies and techniques that you can get through this.
16:02
You're more resilient than you think.
16:05
know, when you're in those places, the voices are loud, dude, like I'm telling you, like
16:05
the and I call I call the voices that are telling me I'm a loser and all those things.
16:13
I call them the devil and his kingdom.
16:15
Right.
16:15
So when they're screaming at me, I'm like, dude, go back to hell where you belong.
16:18
Right.
16:18
And then there's a really good um praise song.
16:22
I can't remember who sings it, but it's called Fear is a Liar.
16:26
And I that's something that I've really
16:29
taken to heart recently anyways, but back in the 2008 era, it was just being reminded of
16:29
all the things that I had done to really build my mental toughness before that.
16:39
And some people don't ever have the strength to build or they didn't build it big enough
16:39
and they get hit hard and they end up crumbling.
16:48
that's, there's, in my opinion,
16:50
There's some, we need to give grace to men and women who have those experiences, like,
16:50
because those are not fun.
16:56
It's not easy.
16:57
feel, I counted a miracle that I came through with more mental toughness on the other
16:57
side.
17:03
I counted a miracle for sure, because I could have definitely gone all kinds of ways with
17:03
the darkness that was screaming in my ears.
17:09
Yeah, yeah, it's crazy in it.
17:12
The hard part is about all this though is it's sad that it takes such a big life challenge
17:12
to get to that mental state sometimes.
17:22
To actually, you know, have that clarity in mind like, you know, I can overcome this.
17:28
I just have to keep pushing.
17:30
But I like the story you told us, like, because it's like, I'm gonna bring religion into
17:30
it again.
17:34
It's like...
17:35
During my hard times, every time I was reminded of Christ, like that's the times, that's
17:35
when I got through that.
17:42
That's when I was actually able to push through.
17:44
Because my problem is two times is I, when I've gone through a hard time, I kind of push
17:44
away and start going the other direction from faith.
17:58
So it's always hard for me to hold on.
17:59
So.
18:00
I love the verse that you quoted from John there.
18:04
Well, it just reminds me of the fact that the enemy wants to keep us down depressed.
18:09
know, Galatians talks about the fruit of the spirit being joy and peace and happiness.
18:13
And I'm like, well, the opposite of those things are the fruits of the other dude.
18:17
Right.
18:17
So if you're depressed and anxious and panicking and all those other things, you're
18:17
experiencing the fruits of the other dude.
18:23
and that's, you know, it's real to me.
18:27
It's real.
18:28
I've had real experiences and I'm just like.
18:31
Leave me alone.
18:32
Go back to hell where you belong and go back.
18:35
And I just want to follow my light.
18:37
Follow the light.
18:38
and build the light back into my life again.
18:40
As soon as I start doing that, and it's not easy, I'm telling you, it's hard.
18:44
When you're in those places where you're feeling sad, depressed, down, like anything,
18:44
that's when those temptations come for all kinds of things, whether it's drugs, alcohol,
18:55
whether it's spending.
18:56
In my business, as a financial coach, I get to talk with people about spending addictions.
19:02
That's sometimes shopping, it's the way that they cope.
19:05
And, um, you know, I've actually worked with addiction recovery.
19:09
My, my, my, brother-in-law is, I think he's got his four or five year coin from AA and,
19:09
I've gone to several meetings with him and, just helped, you know, I love that whole thing
19:21
because I think we can all benefit from it, whether I've never been, or I, I personally
19:21
never had a traditional addiction, but I feel like the strategies and the steps.
19:33
help you even for like depression and anxiety and panic.
19:37
Those steps are still there.
19:39
If they can help somebody who's a raging alcoholic or an eight raging drug addict get to a
19:39
point of peace and happiness, like why wouldn't they work for somebody who just has
19:48
depression and I mean not just depression, you know what I mean?
19:51
Like but who has depression anxiety and not has substance abuse too.
19:55
Like to me that was like okay this makes sense.
19:58
I'm gonna learn this too because and that helped me a lot.
20:01
those 12 steps and those kinds of things helped me a lot too to get through some of the
20:01
stuff that I have been dealing with in my life.
20:10
really cool.
20:11
And what do you where like, think of like the time you're your darkest point.
20:16
Was there a breaking point or anything that comes to mind that pushed you to start
20:16
healing?
20:25
You know, one of the things that I feel like the devil or the enemy or the voices, the
20:25
bipolar, whatever you want to call it, they like to just keep you focused on the problem.
20:35
And these are the problems.
20:36
These are the problems.
20:37
These are the problems.
20:38
These are the problems.
20:39
And I just I do remember I don't remember anything specific.
20:44
right now off the top of my head that's a great question but I don't have a specific
20:44
moment but I do know that when I'm in the spiral of all the problems that I've got in my
20:53
life I have another reminder there are solutions to every problem and you can find them if
20:53
you'll just turn to them
21:06
And one of the things that helps me kind of get out of it faster than ever, like I've
21:06
actually just started doing this again because I've had a few days where I've had those,
21:15
you know, those Mondays, right?
21:17
Where you're like, no, it's Monday again.
21:18
I got to get going.
21:20
And so I start to say to myself, it sounds goofy and maybe a little woo woo, but I've
21:20
really spent some time saying, you know what, I'm grateful that I'm alive.
21:28
I'm grateful for things.
21:30
Today's going to be a great day.
21:32
I have a uh wife that loves me and kids that love me.
21:35
And I have a house that's got heating and air conditioning.
21:38
Like I start to say the things out loud that I'm grateful for.
21:42
And then all of the problems in my life kind of start to shrink and all of the blessings
21:42
in my life start to increase.
21:49
And so those are those that's kind of a technique or strategy that I use when I'm
21:49
spiraling down into the darkness of problems and just overwhelming and you're not good
22:00
enough and you're never going to make it and nothing's ever going to work.
22:03
just start saying, well, you know what?
22:06
It has worked before.
22:07
I've done things that obviously I.
22:08
I'm 50 years old and I'm still alive.
22:10
I have money in the bank.
22:12
I have a good, thriving business.
22:15
I'm talking to great people like Travis White and whoever's listening.
22:19
And, you know, here we are.
22:20
And I'm like, you know what?
22:21
I have things to be grateful for.
22:24
Um, and so I just start focusing on those things and those helped me pull up.
22:28
That's like the, you know, the Mayday, Mayday SOS, you your, your nose diving into the
22:28
earth.
22:33
You're like, pull up, pull up.
22:34
So those, those are the things that helped me kind of pull up and get going.
22:38
And that's, know, when I sit down with, myself and, a client and we talk about the
22:38
different things that are in their life.
22:47
I mean, there's so many reasons for us to be depressed and have anxiety and panic.
22:51
There's a ton of reasons.
22:53
I know that one of the main reasons is money and the ability to manage it correctly.
22:59
Sometimes it's earning it.
23:01
And then once you make it, like, what do I do after that?
23:03
Like, how do I, how do I manage it?
23:05
So that it, you know, they say it's not about making how much you make it's how much you
23:05
keep.
23:10
And so we do need to make more money, but we also need to manage what we make more
23:10
efficient, efficiently and effectively because how many of us argue with our spouse or
23:18
argue with our kids or argue with ourselves about the money and
23:23
the situation, how much things cost and inflation and marriages, you know, are spiraling,
23:23
you know, out of control because they're arguing and you don't want to, you know, you're
23:32
arguing about money more often than not.
23:34
And when you're arguing about money, where does the love go out the window, you know?
23:38
And so that's one of the things as a financial coach, I get to touch on a lot of different
23:38
aspects of people's life because money touches so many areas.
23:50
And so that's one of the things that I
23:52
that I think that I've built a foundation with my own money that gives me some of those.
23:59
I mean, still have stress.
24:00
I still have anxiety about money.
24:01
I still worry about like, I just got a bill in the mail and I'm like, all right, well.
24:07
This wasn't expected.
24:08
I don't like it, but at least I had the money for it, right?
24:11
So, but I still had that bubbling up of anxiety, like, my gosh, what are we gonna do?
24:14
How am I gonna get this taken care of?
24:16
And I was able to do it, because I have a plan in place, and I'd worked the plan, and I'd
24:16
built the plan, and I know it'll be okay.
24:23
And that helps me diminish what could be a way greater stressor.
24:29
If that makes sense.
24:31
Yeah, that totally makes sense.
24:32
And I really enjoyed you talking about showing gratitude and how you do that and those
24:32
affirmations because I think that's a big step in pretty much rebuilding trust in yourself
24:47
after things are starting to fall apart.
24:50
Mm-hmm.
24:52
I really like what you just said, Travis, building trust in yourself.
24:55
So just as a quick side note, one thing that I knew in 2008 as I was rebuilding back out
24:55
of it.
25:02
Um, I was, I like exercising, so I'm kind of a different guy.
25:06
I, that's what I chose.
25:07
I would say choose something that you know, will, will give you, bring you joy and it
25:07
will, it will not, give you any stress.
25:15
I knew that if I went to the gym, a 25 pound weight couldn't lie to me and tell me it was
25:15
30 or 12 or it was 12.
25:22
The iron never lied.
25:24
Right.
25:25
And I, that was one of the things that I was worried about in business.
25:27
Cause people would tell me things and they'd do another thing.
25:29
And so I was just like, who can I trust?
25:31
And then I would like, can I even trust myself?
25:33
Right.
25:34
And so one of the biggest ways to build confidence and to build trust in yourself is to
25:34
keep the commitments that you've made to yourself and start with small ones.
25:46
Like get up, get out of bed, turn, don't snooze.
25:51
You know what mean?
25:51
Like sometimes it's just as simple as.
25:55
get dressed, take a shower.
25:56
I did it, you know what mean?
25:58
Starting small and I, every day I went to the gym until today, don't, I feel like a fish
25:58
out of water if I miss a day lifting weights and I don't necessarily want to be a
26:07
bodybuilder, you know, somebody, know, whoever the big Simon Sinek, not Simon Sinek,
26:07
there's this new kid in town that's like the big guy on social media who's a bodybuilder.
26:17
I don't want to do that.
26:17
I just want to maintain my physique.
26:19
I want to be able to just stay conditioned and stay, and it keeps my mind focused.
26:23
for those few minutes I know I can at least keep that commitment and that starts my day
26:23
off really well and so it helps me build trust again in myself.
26:32
That's huge Travis, what you just said is huge.
26:36
Yeah, and it's all about habits, like building up those good habits and continuing to do
26:36
them.
26:40
And when it comes to like, let me rephrase that.
26:44
How do money and mindset intersect in your work with others?
26:49
Well, as I shared a little bit, there's so much of our worth that we put on money because
26:49
money really runs so much like.
26:57
How much, what kind of house can we buy?
26:59
What kind of food can we eat?
27:00
What kind of schools do we get to send our kids to?
27:03
What kind of entertainment can we enjoy?
27:07
It all boils down to what we have as resources to be able to spend or use those resources
27:07
with.
27:13
So, I mean, a lot of times when I talk to people, it's like, let's get the found, I think
27:13
we're more consumers than we are creators and we need to be more creative than
27:24
consumption.
27:25
So when you can build savings accounts, like I personally believe that one of the key
27:25
problems in life in stressors is that we're spending tomorrow's money today.
27:37
And when you spend tomorrow's money today, it keeps you on the treadmill, keeps you in the
27:37
rat race.
27:42
It keeps you constantly with that carrot out in front, right?
27:45
So to speak.
27:47
My goal with my clients is to teach them how to spend yesterday's money today.
27:53
you already made it.
27:54
So when I'm talking to somebody about their spending habits,
27:58
One of the big things is, okay, if you go to the store, like all of us who have kids, and
27:58
I don't know how old your kids are, Travis, but if they're old enough to go to the store
28:06
with you and see all the cool stuff on the shelf, you've had this experience.
28:10
Dad, can we buy this?
28:12
Right?
28:13
I wanna buy this.
28:14
And so one of the things I learned how to do, and this was before Amazon's wish list came
28:14
around, but I would tell my kids, put it on a list.
28:23
create a list, write it down.
28:25
And I would write it down, I'd carry a list sometimes if they didn't have it, I'd write it
28:25
down, I'd show them, look, let's write this down.
28:30
So they got a feeling, okay, dad knows that this is important to me, but even if we don't
28:30
buy it right now.
28:37
So I said, let's put it on the list and let's save up for it.
28:40
It's so much dollars and we'll save up for it.
28:41
And then when we have the money, we'll come back and we'll buy it.
28:44
So a lot of times we'll save up for it, we'll come back and they're like, I don't even
28:44
want it anymore.
28:47
Okay, well, that's great.
28:48
So you know it was an impulse buy.
28:50
And so to me, if we can switch,
28:52
from buying from savings to buying from credit, I think that we're gonna reduce a lot of
28:52
our stresses.
28:59
And if you can do that, and I think that's a lot of the mindset of I'm gonna save up for
28:59
things.
29:08
And it really comes from a position of gratitude.
29:12
Like I have money, I can do it versus entitlement.
29:15
To me,
29:17
And this is a broad stroke here.
29:19
So somebody listening might say, well, let's get into the details of this.
29:21
And that's fine.
29:22
We can.
29:23
But it's an entitlement mentality to me to say, I'm going to buy something with tomorrow's
29:23
money because I have a great job.
29:31
It's going to continue to be a great job.
29:32
You've already said, Travis, you've got laid off three times.
29:34
Like, what's the reality in life?
29:37
We're going to probably get laid off.
29:39
We're probably going to have setbacks.
29:40
Like my business, I don't have a business.
29:42
I'm not employed so nobody can lay me off, but I have clients that cancel or go to
29:42
somewhere else and I got to make up the difference.
29:51
There's pros and cons to employee and entrepreneur and entrepreneur.
29:55
There's pros and cons.
29:56
So I feel like if somebody manages their money effectively and they really work to build
29:56
wealth, they're going to be able to have more peace, more tranquility, more
30:09
serenity than the person.
30:11
For example, my car, I walked out Friday morning and my car wouldn't start.
30:16
And that's a stressor for anybody.
30:18
Like, first of all, am I going to be late to my appointment?
30:21
You know, am going to make it to my errands?
30:22
Am I going to get to work?
30:23
Like just a whole bunch of stuff going through.
30:25
Am I going to be able to afford it?
30:26
Hopefully it's just a battery.
30:28
You know, it's not just, you know, what could go wrong?
30:29
Like, like all the stress around mechanical stuff.
30:33
There's people out there that are mechanics that are like, no big deal.
30:35
But to me, I'm not a mechanic, so it was a big deal for me.
30:38
so I was like, you know what?
30:40
The good news is I have money in a savings account for car mishaps.
30:46
So when I finally got it into the mechanics, like, it's just the battery.
30:50
only this much money.
30:50
I was like, thank goodness.
30:51
I have way more than that saved for it.
30:53
And so I was able to just pay for it.
30:55
And so it's nice.
30:56
Life is going to be stressful.
30:58
add to that by mismanaging your money and being in debt.
31:03
And now you are in now that you're in debt and you're because you've just consumed way
31:03
more than you should have because you felt like you were entitled to it because I work
31:10
hard I deserve this you know yes yeah you work hard and you might deserve some things but
31:10
do yourself a favor and don't put yourself in a position where you're gonna you know
31:20
regret it later.
31:22
I can say I'm probably guilty of a few things that you just mentioned.
31:25
I was like, I could probably fix a few things off of what Paris is saying here.
31:34
That's so true.
31:34
It's real for all of us.
31:37
So what would you say that most people get wrong about rebuilding after a financial and
31:37
emotional crisis?
31:48
I think the biggest thing is to change.
31:50
So there's a saying that I really like.
31:52
If you always do what you've always done, you'll always get what you've always got.
31:57
And so if you like what you're getting, keep doing what you're doing.
31:59
But if you don't like what you're getting, then change what you're doing.
32:03
And another thing that I like to say is that money has more to do with habits, behaviors,
32:03
and beliefs than it does with math.
32:09
And so as someone rebuilds, they need to look at the habits that got like, I have a client
32:09
right now that they came to me and they said, Paris, we can get out of debt, but then we
32:20
get right back into it.
32:21
And then we get out of it again.
32:22
And then we get right back into it.
32:23
Like this cycle, like we want to be able to get out once and for all.
32:26
And to me, that's kind of the same, that's a rebuilder's mindset.
32:29
Like, we're finally ready to get out of this situation and never go back.
32:34
And whether it's a really deep dark situation or whether it's just kind of like a just
32:34
kind of one of those stressors that kind of is more of an annoyance.
32:43
I feel like check your habits.
32:45
What are your habits?
32:45
What are your behaviors?
32:47
What are the beliefs that you have around money?
32:49
Like, do you believe that money is hard?
32:50
Do believe the people who make money are crooks and swindling others?
32:54
Do you believe that or do you believe that money is easy that you can make it quickly and
32:54
easy if you just get the right side hustle or you just try to find the right
33:01
niche, you're going to be able to go for it you're going be able to have that passive
33:01
whatever income you want.
33:06
Like what are your beliefs?
33:07
What are your, and then are you living, you, are your habits can congruent with that?
33:11
And if you, if you look back and you say, this, that this belief, this habit and this
33:11
behavior got me into the hole I was in.
33:20
I'm not going to do those habits, behaviors, and beliefs anymore.
33:23
I want to find new ones.
33:25
And sometimes you need a coach.
33:26
to get you out of those, to help you through it.
33:28
And accountability coach or accountability partner.
33:30
You can do a, there's all kinds of different coaching.
33:32
You can do biblio coaching.
33:34
You can do coaching with a person like me who's gone through it and can I help you through
33:34
it?
33:38
can go person with a life coach, whatever you want to do.
33:41
Oh, YouTube videos.
33:42
Some of them are really good actually.
33:43
But I would say start with habits and um atomic habits is a great book.
33:48
You know, the Think and Grow Rich is another great book about belief.
33:51
Frankly, the Bible, the scriptures are great books as well, but work on your belief system
33:51
and work on that gratitude and that you're worthy, you're worth it, you can do it.
34:02
You don't have to be a jerk to be a millionaire.
34:04
You can actually be a millionaire and be a really good person.
34:07
There's another really fun thing I like to say is that money doesn't make you, it reveals
34:07
you and then it magnifies you.
34:14
So if you're a good person and you wanna magnify good in the world,
34:18
get moneyed up so you can actually produce a lot of good in the world.
34:22
I'm tired of these guys out there doing all kinds of derelict immoral things making a ton
34:22
of money.
34:26
tired of that.
34:27
I want good people to make bunches of money so we can do good in the world.
34:30
That make sense?
34:30
That's what I'm about.
34:32
that totally makes sense.
34:33
I knew somebody who lived close to my mother-in-law and my wife was like, they're like
34:33
multi-millionaires and you wouldn't even know it.
34:43
Because they were so humble.
34:46
And it's like, yeah, it was crazy, yeah.
34:49
That's legit.
34:52
And it's like, it's like, I feel like we need more of those type of people.
34:57
Yeah.
34:58
Me too, me too.
34:59
Let's bring them out.
35:00
Let's raise up a generation of people that are wealthy.
35:04
That's what I'm saying.
35:05
Yeah, I'm all about it.
35:07
I want to get a little bit more wealth under my belt first so I can preach it a little bit
35:07
more.
35:16
So to some client, if they're still living in survival mode, how do you approach a person
35:16
like that?
35:25
So one thing that I actually just recently found myself because of the all of the health
35:25
concerns that happened to my wife over the last year, I found myself really focusing in on
35:37
all of the problems, the overwhelm, feeling like there's no way out.
35:43
around every corner, around every corner is going to be another crisis.
35:48
Every phone call is going to be a kid telling me they got this out of the other.
35:52
My wife telling me something, you know, she's back.
35:53
I need to take her to the ER.
35:55
I mean, it was just like, it just felt like I was in survival mode for a while, just even
35:55
the last, you know, last in 2024.
36:03
2025 has been a much better year.
36:05
And so one of the things that my wife and I just decided to do recently was to dream a
36:05
little bit.
36:10
we, we don't, we're not able to, we can pull the trigger on several things, but we're not
36:10
able to pull the trigger on everything that we want to do.
36:17
But the fact that we started to dream a little bit more again, and what I mean by that is,
36:17
let's say right now you're listening to this and you're just in survival mode.
36:26
Like there's no way out.
36:28
You're all the voices are telling you, you're never going to make it.
36:31
There's no way out.
36:32
Everybody else is going to be rich.
36:34
Like I've literally genuinely, I get frustrated when I see, I'm 50 and I genuinely get
36:34
frustrated when I see these 25 year old, 30 year old kids on TikTok and Instagram and
36:43
everyone else say stuff, stay stuff.
36:45
Like I'm a millionaire already at 29 years old.
36:47
I'm like, man, life is going to kick you in the, you know what, if you're not careful.
36:53
And, and quite frankly, a lot of those people lose their money cause they're not wise with
36:53
it.
36:56
Cause they're spending it like knuckleheads.
36:59
And so I just decided, you know, my wife and I sat down and like,
37:02
we gotta get out of this cycle.
37:03
We gotta get out of this cycle of this we're in and how can we do that?
37:06
So she's like, let's start.
37:07
So we started talking about dreaming again.
37:09
We went outside in our backyard and we're like, what can we do here?
37:12
Can we remodel this or can we look at it?
37:14
Again, we're not able to pull the trigger on it, but we just started dreaming again.
37:18
What's possible?
37:19
So I would say if you're in it right now and I know you're gonna feel like it's a lie,
37:19
you're faking, it's fake.
37:27
but sit down and start saying all the good things that your life has brought to you.
37:31
Tell yourself some of those positive affirmations and then set aside some time to set a
37:31
goal.
37:37
Like let's say that you're living in an apartment and you're barely able to pay rent next
37:37
month and like it's, as of this recording, it's the 31st of July.
37:46
So you might be sitting here, know, the reality, August 1st is tomorrow and you might be,
37:46
I don't know how I'm gonna pay the rent.
37:53
Sit down for a minute and set some goals like and do this like you're in the present
37:53
tense.
37:59
I earn enough money to pay my rent every month and I earn more than enough.
38:05
Start saying things like that.
38:06
It's again, it sounds a little woo woo, but I promise you it works.
38:10
If you write out and you got to write it out, you got to say it, you got to write it out
38:10
and you got to talk about it as if you already did it.
38:17
Write down, I will be
38:20
financially free.
38:21
will be more, I will be wiser with my money.
38:24
I, or no, no, I am wise with my money.
38:27
When I make a dollar, I keep it and I'm wise with it.
38:31
Like start telling yourself in the present tense, and I promise things will start to
38:31
shift.
38:35
It may take a month, it may take two, it may take six, it may take a year, but you'll
38:35
start to see that, wait a minute, I have.
38:43
Like maybe you have a goal to buy a car, maybe you have a goal to buy a house, maybe you
38:43
have a goal to get married, maybe you have a goal to get out of debt, maybe you have a
38:48
goal to finally start your 401k or start investing and start building a nice nest egg.
38:54
Whatever it is, I have a nice nest egg.
38:57
I have a 401k.
38:58
I know what I'm doing when it comes to investing in the stock market.
39:01
I'm going to have $100,000 in net worth, you know, I have $100,000 in net worth and then
39:01
put a date like,
39:11
a year, two years, three, whatever it is, put a date on it if you can.
39:14
If you do that, I don't understand all of the things, how things work in this universe,
39:14
but I know that when you start to do that, things start to move and they start to
39:29
rearrange.
39:29
And I believe my personal opinion is that God's like, good, my son or daughter is finally
39:29
figuring out their worth, because I've been trying to tell them, they're finally figuring
39:39
out their worth.
39:40
I'm going to start moving this universe.
39:43
I'm going to start moving stuff to make sure they get what they're talking about.
39:47
And so that's something that I would say.
39:49
I hope that makes sense.
39:51
That totally makes sense.
39:52
You're the probably the third person that's come on and talked about like manifesting like
39:52
that.
39:58
And I keep putting it off to like write down my goals.
40:04
now you're making it so like, I really need to stop putting this off because I have so
40:04
many things in my mind that I want to do.
40:11
Like so many things that I want to, where I want to take this podcast, you know, like some
40:11
of my next steps of kind of where I want to
40:19
go with it.
40:21
They're all kind of intertwined.
40:23
But it's like, now I just need to write it down.
40:25
I have it all played out.
40:26
I've spoke to my wife about it.
40:28
It seems like every single time that I start speaking these things, I go through, I get
40:28
myself in a rut and start thinking, you know, I'm not good enough.
40:38
Like things don't work out.
40:39
I'm that type of person.
40:41
One of my biggest flaws is
40:42
I'm kind of pessimistic by trait, like, and so I always think the worst of everything, and
40:42
if I can't see it, sometimes it's hard for me to like, I want it now, like I want it now.
40:56
So you're explaining to me something that I need to actually sit down and do, especially
40:56
like, you know, I want to do this within the next year, I want to do this within three
41:04
years, like, I think it makes complete sense.
41:08
completely transparent, I do that because if I don't, I will spiral.
41:12
I'll do the same thing.
41:14
If I don't spend time to do those things that I just shared, will.
41:18
That's what I do.
41:19
The things that I tell people they should do, because I know it works because it works for
41:19
me.
41:24
Because if I don't do those things, I just I just sit in that spin mode.
41:31
And just, I don't get anywhere or do anything.
41:33
it's like, what can I do today to move the needle forward?
41:37
Even if it's an inch.
41:39
What can I do today to move the needle forward on my life, on my goals?
41:44
What can I implement?
41:45
What plan can I do?
41:47
And that's legit, Travis, you're, you and I, when you were explaining yourself, I'm like,
41:47
yep, that's why I do this.
41:54
Because if I wasn't, that's where I'd be.
41:58
Yeah, I've been in this like kind of depressed like anxious mode this last two weeks.
42:04
Don't know how I got there.
42:05
Just comes and goes sometimes.
42:06
Sometimes I do great and other times I'm like, you know what?
42:10
Life sucks.
42:12
I'm garbage right now.
42:14
But my wife and I had a long talk yesterday and she's like, you know what?
42:18
You need to start.
42:21
I need to start holding you accountable for the goals that you're making because you have
42:21
these dreams in life and you're never going to achieve them if you don't push yourself
42:29
forward.
42:32
And yeah, yeah.
42:34
So she's doing it.
42:37
Yeah, I have a winner.
42:41
she's not going to go anywhere.
42:43
She's stuck with me, whether she likes it or not.
42:47
awesome.
42:51
And, she's, she's saying, okay, each week you need to write down how you're going to push
42:51
yourself and the things you're going to do with safe.
43:02
So I'll give you an example.
43:04
One of my goals with my podcast is to start like selling merch.
43:09
Just to make a little bit of side income.
43:12
And right now my podcast isn't like huge.
43:14
It's barely in the beginning phase.
43:17
Mm-hmm.
43:18
Um, I've put out 30 episodes so far, but, and so she's like, so you need to sit down and
43:18
you need to write down like the things it's going to take to start selling your shirt.
43:29
need to buy some samples of that shirt and get some ads up on Google or wherever you want
43:29
to put them.
43:36
So that's what I've started doing in the last couple of days.
43:39
And just to, I've felt a lot better.
43:42
I mean, that was just yesterday that I actually ordered.
43:46
So shirts to like, I.
43:48
designed.
43:49
So they'll be here in like a week and I'm like okay well I'm moving that needle just a
43:49
little bit to better myself.
43:56
That's all it takes, just a little bit every day.
43:58
And it's a compounding effect.
44:01
In finance, we call it compound interest.
44:04
it works with everything that we do.
44:06
It works with our skills.
44:07
Just if you hone your skill a little bit every day, in a year, you'll be like, wow, I'm
44:07
really good at this now.
44:14
Mm-hmm.
44:14
thing with just true with a dollar.
44:16
It's not about the dollar amount that you're investing.
44:18
It's about the habit of investing.
44:20
So even if you can only afford 25 cents a month, get in the habit and then it will grow to
44:20
50 and a dollar and $10.
44:27
And before you know it, you'll be like, wow, I got a couple thousand dollars in the
44:27
savings account or an investment account.
44:32
You know what mean?
44:33
So it's just those small things every day.
44:36
And honestly, do I get overwhelmed with.
44:40
you know, when I look at Amazon packages continuing to arrive at my door, you know, I'm
44:40
like, what are we spending, right?
44:46
Like, where's this going?
44:48
And so instead of having an argument, I go to my spreadsheets and I look at my net worth.
44:53
And it's crazy to me that I just did it.
44:56
I just, do my net worth once a month.
44:58
A lot of people do it.
45:00
Well, most people never do it, but I do it once a month.
45:02
Some people say do it about every quarter or every six months, but I do it once a month.
45:06
And my net worth increased from, and again, as I shared earlier, this, we're recording
45:06
this in July, from June to July, my net worth increased.
45:15
And we had some birthdays and some other expenses come up.
45:18
I was like, there's, literally, my brain was telling me there's no way that we're going to
45:18
make it this month.
45:24
Like we spent way too much.
45:26
And then I sit down and I look at all, I look at the numbers and I just get clear on the
45:26
numbers.
45:31
And then I'm like, my gosh, I was faking myself out.
45:34
Like the numbers don't lie.
45:36
I lied to myself as I hear these you're spending too much.
45:39
You're never gonna make it your savings is drained You're never gonna have it like I was
45:39
listening to all the voices but then I sat down and did the numbers and did the math and
45:46
the math was like You actually have more than you thought you did now I'm in a situation
45:46
where I've gotten to that point where that's my reality I know for a fact there's people
45:57
out there right now.
45:58
They're like
45:59
I have the voices and the math is telling me the same thing.
46:02
You know what I mean?
46:03
then if you don't like what you're getting, change what you're doing.
46:07
And I would be happy to help in that process.
46:10
So I don't know if this would be a time to m share my free gift to your listeners, Travis
46:10
and Nabil.
46:20
So I have a free gift for anybody who's listening and would like to have it.
46:24
So when I first started in the financial services industry, I was a financial advisor.
46:28
Like I was licensed, federal licenses, state licenses, I had them all.
46:31
I still have a state license, but I don't do the federal licenses anymore because as a
46:31
coach, I have a certificate from the National Financial Educators Council.
46:41
Anyways, so.
46:42
25 years ago when I first started the business and I was calling on people and say, hey,
46:42
look, I'd like to come over and help you with your finances, help you invest, help you
46:50
save for your future, help you with all those things.
46:53
And I would invariably get the objection, I don't have any money.
46:57
I have no money, I'm in debt, I need to pay my debt first and then I'll talk about
46:57
investments or I just don't have the budget for it, all kinds of things.
47:06
And so as an advisor, I'm like, I make money if people invest with me.
47:11
I don't so I need to figure out a way to get more people to help them find money.
47:16
And so I created a four It's a four-step process where I can take you through how to find
47:16
money that you're Misallocating in your budget right now like
47:26
If you, most people who tell me I don't have any money, just to give you a couple
47:26
examples, every once in a while I will come across somebody that they've really done some
47:33
good work and they really don't have very much extra, but it's really rare.
47:37
I went to a very low income city one time years ago and this couple said we don't have two
47:37
nickels to put together and I said if I could find three or four hundred dollars.
47:49
in your budget without rice and beans.
47:51
I'm not talking about rice and beans.
47:52
I'm like, if I could find three or $400, would you take half of it and save it and invest
47:52
it for your future?
47:58
Because I don't want to, mean, if they're that tight, they need a couple bucks to just
47:58
kind of have some breathing room.
48:04
And so they said, sure.
48:06
And I ended up finding $800 a month for that family.
48:09
And.
48:10
The average person, when they go through my process, it's $300 a month that they find that
48:10
they're able to put back into their budget.
48:21
And more often than not, if you really go for it and you really do it right, you can find
48:21
six, seven, $800.
48:27
One of my colleagues did this, it does a similar process.
48:30
It wasn't my particular strategy, but it was a similar process.
48:33
He was able to help a really high income earner find $1,500 a month.
48:37
Most six figure earners right now are actually feel like they're living paycheck to
48:37
paycheck.
48:41
So a lot of times it's not about making more money.
48:44
It's about the habits you have once you make those money, once you make that money.
48:48
And so that's my free book.
48:50
It's an ebook.
48:51
It's about 18 pages.
48:52
It's actionable.
48:53
It's stuff you can actually read and do.
48:55
So if you go to my website,
48:56
club.com forward slash free book.
49:00
you'll be able to download that ebook and you'll be able to go through that process.
49:03
Now there's an upgrade if you want to learn on base, if you learn better with videos and
49:03
audio, there's an upgrade there and the ebook is expanded into workbooks that you can
49:12
actually really do some stuff with.
49:14
And the upgrade does have a cost to it, but the free book for sure is available to anybody
49:14
who goes to ParisClough.com forward slash free book and downloads that book.
49:24
And I promise if you go through it, 30 days later, you're going to have
49:27
few hundred dollars in your bank account more than you did uh the month before.
49:34
It's awesome.
49:34
I love that you're pushing something like, I'm going to help you find money, help you
49:34
figure out how to dig into your finances and do that.
49:44
It's just a different approach than I'm used to.
49:48
Yeah, and when people say Paris, how much do you cost?
49:51
I'm like, well,
49:53
I promise that I'm going to help you find more than my cost and in two or three months,
49:53
you're going to be like, my net worth increased by how much?
50:02
What the heck?
50:03
My last client, 10x their net.
50:05
Just in three or four months, I've been working with him.
50:07
I've already 10x their investment.
50:10
In me, their outcome.
50:12
I know I can help people and that's a huge thing for me as a man, as a provider to just be
50:12
able to help.
50:20
thing, which I was just gonna end on this if that's okay.
50:23
Another really big thing that I do to help me get out of my funky dark depressive states
50:23
is I'll call a friend and I'll say how can I serve you?
50:35
Like as soon as I get out of myself and I go serve others there's something deeply
50:35
profound that happens and changes my whole
50:45
energy, my whole vibration just changes when I go serve others and when I call friends and
50:45
say, hey, tell me like, how can I help you?
50:53
Like, what are you going through?
50:54
And I kind of want to talk to them or I'll go out and work in the yard or serve them.
50:58
then, you know, look at my next door neighbor mowing the lawn.
51:00
I'll go out and help him or something like those are some really good things that I do
51:00
service serving others is is something that I do to get out of my funky places.
51:10
Yeah, that's awesome.
51:10
I love it.
51:11
I have one general question left for you.
51:14
em Well, I guess two if you're good for two more questions.
51:22
So if you could go back and talk to yourself at your lowest moment, what would you say?
51:29
I would say it's never as bad as it seems.
51:33
But at the same time on the other side of it, it's never as good as it seems.
51:36
Just keep going, keep your head down.
51:39
You'll make it.
51:41
You made it yesterday, you'll make it today.
51:45
it.
51:46
I love hearing this stuff.
51:48
And this one is a very generalized question.
51:52
I get all sorts of responses from it and I ask every guest the same question.
51:58
What would you say is the biggest stigma when it comes to mental health?
52:04
So I shared a little bit earlier about I want to bring light and the opposite of light, of
52:04
course, is darkness.
52:10
And there's a lot of people that's like I if if I was to ask and pull my neighbors, if I
52:10
was to pull anybody in my church.
52:20
anybody in my colleagues, if I was to poll them and ask them, hey, do you think that I
52:20
suffer from mental health?
52:27
I bet you most of them would say, no, dude, you're like one of the most solid guys we
52:27
know.
52:31
Like you're just, always positive, always have.
52:33
And I'm telling you behind closed doors, I have demons, dude.
52:37
I have demons that scream in my ear.
52:40
And so it's darkness.
52:41
I feel like the one of the biggest things about mental health stigmas is that you're the
52:41
only one going through it and nobody knows and nobody
52:50
cares and I think that's that's that one of the biggest lies I bet everybody on your
52:50
street whether and every one of your co-workers and every one of your church people that
53:01
you go to church with I bet every single one of them has a demon or two or three that
53:01
they're fighting every single day or at least regularly and so I feel like the more we
53:12
bring it to light we say look I'm suffering I'm struggling
53:17
And it's okay to deal with this.
53:19
Again, earlier I shared the problem like, hey, I'm suffering and this is why.
53:24
Okay, what can we do to find a solution?
53:28
And live for, we need to validate the problem.
53:32
Like the problem is real.
53:33
Your mental health is real.
53:34
There's anxiety, the depression, the sadness, the voices, they're real.
53:37
Like don't, don't discount that.
53:41
Don't live there though.
53:43
Get out of there as fast as possible.
53:45
and start to build on a solution to get out of it because the devil wants to keep you
53:45
isolated and alone and in the dark and God wants you to be with your community with your
53:56
people in the light and that's um I don't know if you've ever gotten an answer like that
53:56
but that's what I would say
54:04
No, I think that's great.
54:06
And it's, it's crazy to me because like since doing this podcast, I thought I was alone
54:06
and I was the only one out there that had these, story to tell.
54:16
And the longer I do it, the more I realized like, no, everybody out there suffering.
54:23
And I mean, it's very rare that I hear somebody oh
54:27
say no, like I've never suffered from a mental health problem because to me, some of those
54:27
people who don't think they're suffering, maybe they just don't know what the symptoms
54:36
are.
54:38
Like that's really my, that's really my thought on it.
54:42
It was like, you show some of the signs, you just don't know that you're showing the
54:42
signs.
54:50
Right?
54:50
It's true.
54:52
I think there's a lot more people than, yeah, there's a lot more than we realize.
54:57
Absolutely.
54:58
Yeah, I totally agree with you.
55:00
Last thing I have here is we've discussed quite a bit tonight.
55:04
Is there anything that we have not discussed that you would like to bring up?
55:10
Um, I think, you know, as a final thought, maybe just faith over fear.
55:16
Fear is false evidence appearing real and faith is, something that can, whether you have
55:16
faith in, in God and Jesus, or you have faith in your own ability to kind of captain your
55:27
life.
55:28
and, you know, I do follow,
55:30
I do follow the scriptures, I love the scriptures, I love God and Jesus a lot.
55:34
I also have a great appreciation for the Stoics, the Stoic philosophers.
55:39
They have an absolutely fantastic thing to do.
55:42
just faith over fear and recognize that every time the voices tell you that you can't do
55:42
it, it's really a lie.
55:50
It really is a lie.
55:51
You can, you can do it, you can overcome.
55:54
because if I can do it, one of the greatest things that I could hear someone say is if
55:54
Paris could do it, man, I could really do it.
56:04
Does that make sense?
56:05
Like if somebody's like, well, if a guy like Paris can do that, boy, I could probably do
56:05
it 10 times better.
56:10
Do it, please go do it.
56:13
I just wanna instill in people the belief that they can do it, they can overcome.
56:16
Whatever the challenge is, they can overcome it.
56:20
Awesome, I love it.
56:22
Well, Paris, thank you so much for taking time out of your night to chat with me.
56:28
No, it's been a pleasure, absolutely a pleasure.
56:30
I hope we continue to develop a relationship and chat and maybe even do this again in
56:30
some, maybe when you're on episode 300, I can come back and.
56:39
uh
56:42
writing down a list of people that I like.
56:44
There's so many people that like I want to keep in contact with.
56:49
So I think it's awesome.
56:52
Well, thank you for joining us today on this journey of truth, healing and hope.
56:57
If today's episode resonated with you, remember you're not alone and your story matters.
57:02
Keep showing up for yourself.
57:03
Show yourself some gratitude.
57:05
Don't be afraid to reach out for support.
57:07
Please follow us on Instagram, share our show, do whatever it is.
57:13
You do all social media because the best thing you can do for us right now is get our name
57:13
out there.
57:18
Thanks again for listening.
57:19
Until next time.
