Latest / Money to Give / Ep. 63 Part 1: Financial Stewardship, Generosity, And The Scarcity Mindset with Chad Hufford

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Ep. 63 Part 1: Financial Stewardship, Generosity, And The Scarcity Mindset with Chad Hufford · Money to Give

0:03
Speaker 1: Money is often treated as a source of stress, secrecy,
0:06
Speaker 1: or scarcity. But what if it's really meant to be
0:09
Speaker 1: a tool for freedom, generosity, and living a more fulfilled life.
0:13
Speaker 1: Welcome to Money to Give with me Rick Peck, the
0:16
Speaker 1: philanthropy guy. With over twenty years in the nonprofit sector,
0:19
Speaker 1: I've seen hundreds of millions of dollars transferred from donors
0:22
Speaker 1: to nonprofits. I have learned a lot along the way
0:26
Speaker 1: that I want to help convey to you, my loyal listeners.
0:28
Speaker 1: In this podcast series, we talk about one how nonprofits
0:32
Speaker 1: can most effectively showcase their mission and vision and raise
0:35
Speaker 1: as much money as possible. Two how donors and potential
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Speaker 1: donors can make the greatest impact possible in the world.
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Speaker 1: And three how professional advisors, including philanthropic advisors, can offer
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Speaker 1: the most up to date information and services to their clients.
0:50
Speaker 1: So join us here each episode for more of that
0:52
Speaker 1: giving feeling. Today, I'm joined by Chad Hufford, founder of
0:57
Speaker 1: Veritas Wealth Management and a long time advocate for financial stewardship, generosity,
1:03
Speaker 1: and gratitude. Chad shares how growing up around open conversations
1:07
Speaker 1: about money shaped his life's work and why most people
1:11
Speaker 1: struggle not because they lack knowledge, but because they lack execution, accountability,
1:17
Speaker 1: and healthy habits. We explore the ripple effects of scarcity
1:21
Speaker 1: and abundance, the connection between gratitude and generosity, and why
1:26
Speaker 1: generosity must be practiced long before someone feels quote unquote ready.
1:31
Speaker 1: This conversation reframes money not as an end, but as
1:35
Speaker 1: a means to live and give more intentionally.
1:38
Speaker 2: Let's begin, So, Chad, why do you do what you
1:43
Speaker 2: do well?
1:45
Speaker 3: So we got to back up a little bit because
1:48
Speaker 3: I never thought that this was going to be my
1:51
Speaker 3: career path. I grew up in the industry. I saw
1:55
Speaker 3: my dad very active in our community, teaching finances. As
2:00
Speaker 3: you know. I mean, I'm connected with Dave Ramsey, been
2:02
Speaker 3: working together his organization for ten years. Before Dave Ramsey,
2:08
Speaker 3: there was a guy named Larry Burkette. It was kind
2:12
Speaker 3: of a predecessor, and he taught a course or he
2:16
Speaker 3: provided a course called Crown Financial. It was very similar
2:20
Speaker 3: to Financial Peace University that everybody's familiar with today. So
2:24
Speaker 3: I grew up watching my dad teach that. But I
2:27
Speaker 3: actually my degree is in biochemistry. I thought I was
2:29
Speaker 3: going to go into medicine, and I was on that
2:32
Speaker 3: path and everything was going splendidly until I met the
2:36
Speaker 3: woman who's now my wife and mother of my six kids,
2:39
Speaker 3: and I realized she did not want a surgeon. She
2:45
Speaker 3: wanted a husband, and she wanted to raise a family.
2:48
Speaker 3: So for me, I've always had this why to help
2:52
Speaker 3: people live better, more fulfilled lives, live better versions of himselves.
2:58
Speaker 3: I thought medicine was going to be my way of
3:00
Speaker 3: doing that, putting people back together again. I was really
3:03
Speaker 3: interested in trauma surgery, but I've been given this gift
3:08
Speaker 3: of financial stewardship and realizing that that is my tool.
3:13
Speaker 3: That is how I will help people live a better,
3:16
Speaker 3: more fulfilled life by not healing their physical body, but
3:21
Speaker 3: healing their finances their relationship with it, so they can
3:24
Speaker 3: use what they've been given as a tool to make
3:26
Speaker 3: not only their life better, but the lives of everybody
3:29
Speaker 3: around them better. And I saw that growing up. I
3:32
Speaker 3: saw when my dad was doing these courses. I saw
3:35
Speaker 3: the impact that we'd have. There's times. One time, in particular,
3:39
Speaker 3: I remember bumping into somebody he was working with at
3:41
Speaker 3: the grocery store. I didn't know them, but they were
3:44
Speaker 3: almost in tears, thanking my dad for the work that
3:47
Speaker 3: he had done in their life, because, as you and
3:50
Speaker 3: I both know, when somebody starts taking control of their finances,
3:55
Speaker 3: starts staying on top of things, being a better steward,
3:58
Speaker 3: being more disciplined, being more intention those things have a
4:01
Speaker 3: ripple effect into every area of their life. But the
4:04
Speaker 3: opposite is also true when somebody is living in fear.
4:08
Speaker 3: When they are when there's never enough for they have
4:11
Speaker 3: a scarcity mindset in their finances that typically has a
4:14
Speaker 3: ripple effect into other areas of their life. Their relationships suffered,
4:17
Speaker 3: their helped suffer. So I didn't realize it growing up,
4:20
Speaker 3: but I've been taught how to use money in finances
4:24
Speaker 3: as a way to enhance and empower the lives of
4:27
Speaker 3: those around me. And it wasn't until my mid twenties
4:30
Speaker 3: where I was like, you know what, this is what
4:32
Speaker 3: I want to do. This is the message I want
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Speaker 3: to bring into the world.
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Speaker 4: That's great, and to learn it at such an early
4:37
Speaker 4: age is incredible because most people don't have such fortune.
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Speaker 2: You know, some days to be like I.
4:44
Speaker 4: Know what I want to do now, but I'm fifty five,
4:46
Speaker 4: or I'm sixty and or I'm seventy.
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Speaker 2: But you learned it early well.
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Speaker 3: And I had no idea how beneficial that was. Like
4:52
Speaker 3: I thought everybody talked about budgeting at the dinner table,
4:55
Speaker 3: you know, I didn't. I'm seven years old and my
4:58
Speaker 3: parents are trying to teach me how to budget allowance.
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Speaker 3: I'm like, this is ridiculous. I have no like, this
5:02
Speaker 3: is child abuse. I shouldn't have to learn this. But
5:06
Speaker 3: looking back on it now, I'm so grateful for that.
5:09
Speaker 3: And here's another thing too that you and I can
5:11
Speaker 3: both relate to. So often money is not talked about
5:15
Speaker 3: unless it's under stress. Like we don't talk about finances
5:18
Speaker 3: unless there's not enough money, somebody lost a job, something
5:22
Speaker 3: went wrong somewhere. For a lot of people growing up,
5:25
Speaker 3: that's when money is talked about it. So it's really
5:27
Speaker 3: easy for money to have this negative connotation, to have
5:31
Speaker 3: this this strain or stress attached to it. But in
5:34
Speaker 3: my household, it was just again, it was another tool
5:37
Speaker 3: that we used in our life. It was something that
5:40
Speaker 3: we were steward of. It was something we believe God
5:43
Speaker 3: blessed us with, and how we utilize that, how we
5:47
Speaker 3: served others with our money, was of kind of our
5:50
Speaker 3: gift back to him, and it was just normal. But
5:53
Speaker 3: as I grew up, I realized how rare that was
5:57
Speaker 3: and how valuable it really is. So Mom and Dad,
6:00
Speaker 3: if you're listening, thank you for all the lessons, even
6:02
Speaker 3: when I didn't want to pay attention.
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Speaker 4: Yeah, it sounds like a really healthy relationship around money,
6:08
Speaker 4: probably brought on by the fact, I mean what you
6:11
Speaker 4: just said about your dad, like he probably found his
6:13
Speaker 4: own Why why I'm out there talking about this stuff
6:16
Speaker 4: because he said, it's unhealthy not to talk about these things.
6:20
Speaker 2: It's unhealthy not to focus on these things.
6:23
Speaker 4: I think there's the statistics is the number one thing
6:26
Speaker 4: that couples fight about is money. They talk about finances,
6:29
Speaker 4: and it's probably one of the number one things that
6:31
Speaker 4: cause people to divorce.
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Speaker 2: And I'm sure in many ways it's very, very stressful.
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Speaker 4: So if you're talking about it, at least you're getting
6:37
Speaker 4: it out on the table to solve that problem versus
6:40
Speaker 4: burying it under the rug and then no one's talking
6:43
Speaker 4: about it.
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Speaker 2: And how unhealthy is that? Right?
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Speaker 3: Well, it's one of those things like religion and politics
6:49
Speaker 3: that nobody's supposed to talk about, you know. And I
6:50
Speaker 3: just just yesterday had a conversation with somebody a new
6:54
Speaker 3: relationship that come into our office and we're just talking
6:57
Speaker 3: about how I was of her vulnerability because we are
7:03
Speaker 3: asking tough questions. We're asking questions of her that her
7:06
Speaker 3: best friends don't know the answer to, very personal financial things.
7:09
Speaker 3: That's not easy, but I think we have to take
7:11
Speaker 3: the taboo nature away from finances because whether people enjoy
7:16
Speaker 3: finances or talking about money or not, it's a big
7:19
Speaker 3: part of their life. Like it, finances are like your health.
7:23
Speaker 3: The only thing necessary for that part of your life
7:27
Speaker 3: to deteriorate is for you to ignore it. All it
7:29
Speaker 3: takes is negligence. You don't have to actively create worse
7:34
Speaker 3: health for yourself. You don't actively have to do anything
7:37
Speaker 3: to create a worse financial situation. Those things happen by default,
7:40
Speaker 3: just like your Your car doesn't doesn't heal itself if
7:44
Speaker 3: it's sitting sitting there, It just it gradually works itself
7:47
Speaker 3: into disrepair. You have to take it into a mechanic
7:50
Speaker 3: to tune it up, to fix it up, to get
7:51
Speaker 3: it working better. It doesn't doesn't get better on its own.
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Speaker 3: Finances and your physical health don't either, So we have
7:57
Speaker 3: to be willing to dialogue to discuss I mean, even
8:00
Speaker 3: some of what you talk about Rick, is this idea
8:02
Speaker 3: of accountability and having others in your corner that care
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Speaker 3: about you, care about what you're doing, and want to
8:09
Speaker 3: lift you up. But sometimes that's with difficult conversations. We
8:12
Speaker 3: need that human beings were in a world where so
8:15
Speaker 3: many people are doing finances wrong. If we're going to
8:18
Speaker 3: be those few, the minority swimming swimming against the tide,
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Speaker 3: we need some other people in our corner to encourage
8:26
Speaker 3: us and exhort us along the way.
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Speaker 2: Exactly, it's a coach.
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Speaker 4: I mean, I was a financial advisor many years ago,
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Speaker 4: and that was my motivation was I said.
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Speaker 2: I knew why.
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Speaker 4: I knew growing up that my parents didn't necessarily know
8:39
Speaker 4: best practices as related to money. And it made sense
8:42
Speaker 4: because no one was necessarily teaching them either. They might
8:45
Speaker 4: have had some positive lessons here and there, but overall
8:48
Speaker 4: they were making bad financial decisions that trickled down into
8:53
Speaker 4: what the impact was on the kids. And there were
8:56
Speaker 4: many times my mother would say we can't afford that,
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Speaker 4: and at first you get upset about it as a kid,
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Speaker 4: but then after a while you're like, we can't afford it.
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Speaker 2: That's just the way it is.
9:05
Speaker 4: I mean, I still eat three meals a day. My
9:07
Speaker 4: parents are good caretakers of me, but we can't have
9:11
Speaker 4: some of the things that some of the other kids
9:12
Speaker 4: seem to have. And that's just the way that it is.
9:15
Speaker 4: But then you start to see it perpetuate as you
9:17
Speaker 4: get older and you go you know, there could probably
9:20
Speaker 4: be a there's got to be a better way. I
9:22
Speaker 4: wonder if wealthy people have a different playbook. You know,
9:25
Speaker 4: they must know something that we don't know. You know,
9:27
Speaker 4: they're not necessarily smarter than us, but maybe they know
9:31
Speaker 4: things and they've done things well so that therefore they're
9:35
Speaker 4: living different types of lives.
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Speaker 2: As you say, it comes with its own issues.
9:39
Speaker 4: Sometimes it can be tough to have too much money.
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Speaker 4: It can feel almost like a prison, as I think
9:45
Speaker 4: we were talking about before we started recording. But you know, anyway,
9:50
Speaker 4: it's one of those things what you don't know can
9:52
Speaker 4: hurt you, and good people suffer unnecessarily when their finances
9:59
Speaker 4: are caused them to make maybe different decisions.
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Speaker 2: Or hurt their ability to move forward because they simply
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Speaker 2: don't have enough of that knowledge.
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Speaker 3: Well, and I agree with you that what you don't
10:09
Speaker 3: know can hurt you, and what you do know won't
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Speaker 3: help you if you don't do anything about it. So
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Speaker 3: I love what you said about your job, your place
10:17
Speaker 3: in the world right now as a coach is sometimes
10:20
Speaker 3: that isn't necessarily teaching somebody something new, is getting them
10:23
Speaker 3: to execute what they already know. And I mean, right now,
10:27
Speaker 3: I'm sitting here in my office. I've got McDonald's on
10:29
Speaker 3: one side, I've got a subway on the other. Everybody
10:32
Speaker 3: knows that eating a loaf of bread with mystery meat
10:35
Speaker 3: in the middle is probably not a great health choice.
10:37
Speaker 3: But that's what people do, not because they don't have
10:40
Speaker 3: the knowledge, but because they don't have the discipline of
10:43
Speaker 3: the intentionality to execute what they know. We all know
10:45
Speaker 3: that eating whole foods and greens and things like that
10:49
Speaker 3: is going to be better than whatever is in a
10:52
Speaker 3: fish file at But the fish fillet smells really good,
10:54
Speaker 3: and it tastes good, and it's convenient, and so often
10:57
Speaker 3: people make choices of convenience, not because they don't know better.
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Speaker 3: And not to say that knowledge isn't important, I agree
11:03
Speaker 3: that a lot of people have not been taught good
11:05
Speaker 3: financial principles. But that's why coaching is so important too,
11:08
Speaker 3: because even if you know those things. You have to
11:12
Speaker 3: have people to help you execute, because what I always
11:15
Speaker 3: say is entertainment without execution, or sorry education, education without
11:21
Speaker 3: execution is merely entertainment. If we increase our knowledge base
11:26
Speaker 3: but don't do anything about it, we just we get
11:28
Speaker 3: to a place of I call it intellectual obesity, where
11:32
Speaker 3: we're taking in good information but we're not exercising it,
11:35
Speaker 3: and it still puts us in a bad place because
11:38
Speaker 3: we're not actually doing the things that we need to do.
11:40
Speaker 3: And it's hard. If being a good steward, if being generous,
11:43
Speaker 3: if building wealth, if all these things were easy, everybody
11:47
Speaker 3: would do it. But it's not. We're in the minority,
11:49
Speaker 3: so it is hard work, and it takes people around
11:52
Speaker 3: you that care about you to push you along the way.
11:55
Speaker 2: Yeah, that's so true.
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Speaker 4: I'd never heard what you described, like education without execution
12:01
Speaker 4: equals entertainment. I have a I've called it window shopping.
12:05
Speaker 4: They just kind of walk along and they look and
12:07
Speaker 4: they're like, oh, that's really interesting, and it is a
12:09
Speaker 4: form of entertainment, I suppose, and then they just go
12:12
Speaker 4: back and continue to do what they've always done, probably
12:15
Speaker 4: knowing they should do something differently, which is why they
12:17
Speaker 4: keep coming back to do the window shopping. You know,
12:19
Speaker 4: it's just just because, yeah, you know, I feel like
12:22
Speaker 4: there's probably a better way, and maybe by going to
12:25
Speaker 4: these these opportunities, these conferences and so on, I feel
12:29
Speaker 4: like I'm learning something and I'm a better place for it.
12:31
Speaker 4: But if I'm not making any changes, and then usually
12:35
Speaker 4: there are coaches around to say we'll help you, and
12:37
Speaker 4: then they go, well, maybe someday, you know, maybe someday
12:40
Speaker 4: I'll hire you, and you go, well, okay, you know,
12:43
Speaker 4: time's a wasting.
12:44
Speaker 2: You know, I don't know what you're waiting for. But
12:46
Speaker 2: maybe it's never going to get easier.
12:49
Speaker 3: There's never an easy time to do a hard thing.
12:53
Speaker 3: It was a Chinese proverb that says the best time
12:55
Speaker 3: to plant a tree is twenty years ago. The next
12:58
Speaker 3: best time, though, is today. And it's never too late
13:01
Speaker 3: to start doing the right thing. And to your point,
13:03
Speaker 3: I think, I think too many people are looking for
13:06
Speaker 3: a way, they're looking for a magic pill to not
13:10
Speaker 3: really change what they're doing, but somehow getting a different result,
13:13
Speaker 3: to put in the same inputs they've always been doing
13:16
Speaker 3: and somehow magically getting a different outcome. You and I
13:19
Speaker 3: know that that doesn't work. But that's what a lot
13:21
Speaker 3: of people are looking for when it comes to finances.
13:23
Speaker 3: Just like our personal health or even relational help health,
13:28
Speaker 3: we have to be changing the inputs. We have to
13:30
Speaker 3: be acting differently if we want a different outcome than
13:33
Speaker 3: when everybody else is getting. And let's look around to
13:35
Speaker 3: the world around us. The outcomes everybody else is getting
13:38
Speaker 3: is not good. People are living in scarcity, they're burdened
13:41
Speaker 3: by debt. Finances bring fear and frustration. This is not
13:46
Speaker 3: the result that we want. So we have to be
13:49
Speaker 3: taking different steps in different actions.
13:51
Speaker 2: Absolutely.
13:52
Speaker 4: Yeah, And that's why I applied the work that you're doing,
13:54
Speaker 4: because you just obviously your heart's in it, your head's
13:57
Speaker 4: in it, and people need people like you, and you know,
14:01
Speaker 4: like you say, sometimes they wait too late. They're they're
14:03
Speaker 4: in retirement and going, hey, Chad, what magic spell can
14:06
Speaker 4: you put on my situation here to make it better?
14:08
Speaker 2: And you're like, I.
14:09
Speaker 4: Wish, wish we could have planted that tree together twenty
14:11
Speaker 4: years ago. Right, So well, let's talk specifically about generosity.
14:18
Speaker 4: I mean, how does your work help people live generously
14:22
Speaker 4: in practical and meaningful ways.
14:24
Speaker 2: We've kind of been.
14:24
Speaker 4: Talking about scarcity or frustration or but talk about generosity
14:29
Speaker 4: a little bit.
14:30
Speaker 3: Well, so I already already kind of talked up my parents,
14:34
Speaker 3: So now we're going to bring them down to earth
14:36
Speaker 3: a little bit. They're not perfect. They love me at
14:38
Speaker 3: a wonderful childhood growing up, but both my parents, my
14:42
Speaker 3: mom especially, definitely suffered from a scarcity mindset. We did
14:47
Speaker 3: my dad did very well growing up. We didn't know that.
14:50
Speaker 3: We didn't know if we were well off or not.
14:54
Speaker 3: But my mom, to her credit, we actually we just
14:57
Speaker 3: had this conversation a few weeks ago. It's like, Mom,
15:00
Speaker 3: I used to be frustrated with you because you were
15:02
Speaker 3: overly frugal to the point of ridiculousness. But looking back
15:08
Speaker 3: as an adult, I can see okay. Number One, she
15:10
Speaker 3: was raised by depression era parents, and then when she
15:14
Speaker 3: was in her late teens finishing up high school, her dad,
15:19
Speaker 3: my grandfather, went bankrupt because of some things largely out
15:26
Speaker 3: of his control. He owned a dairy farm and a hatchery,
15:32
Speaker 3: and there were some industry things where he just could
15:35
Speaker 3: He was a small operation in South Dakota, could not
15:38
Speaker 3: keep up and was not able to pivot fast enough anyways.
15:42
Speaker 3: So not only was she raised by Depression era parents.
15:45
Speaker 3: She in some of the most formidable years of her
15:48
Speaker 3: life as a teenager finishing up high school, trying to
15:50
Speaker 3: go to college, watch her parents lose everything. So it
15:55
Speaker 3: definitely had an effect. So I tease my parents. Now,
15:59
Speaker 3: I was like, you know, we usually like open the
16:04
Speaker 3: refrigerator and like all the Ketchup bottles, everything was turned
16:08
Speaker 3: upside down because you had to get that last little
16:10
Speaker 3: bit out, Like you couldn't throw the Ketchup away until
16:13
Speaker 3: the bottle is completely empty. You know, you're like, you know,
16:16
Speaker 3: twisting toothpaste to try to get the last little thing out.
16:19
Speaker 3: The worst it ever got was when I saw my
16:22
Speaker 3: mom rinsing out bags zip lock bags that she had
16:29
Speaker 3: been using to hold meat, like raw meat. You know,
16:34
Speaker 3: we'd buy it at Costco and then we'd break it
16:36
Speaker 3: up in smaller bags. She was rinsing them out and
16:39
Speaker 3: then putting rolls home baked rolls in those, and I
16:42
Speaker 3: was like, Mom, what do you do? It was like
16:43
Speaker 3: nine or ten, Like I didn't understand bacteria and cross contamination,
16:46
Speaker 3: Like something's probably wrong with this. You're putting fresh bake
16:50
Speaker 3: rolls in bags that used to hold raw meat. But
16:54
Speaker 3: she didn't want to. She didn't want to throw the
16:56
Speaker 3: bags away, and we had to save them. So like
16:58
Speaker 3: we grew up washing paper plates and plastic silverware, which
17:02
Speaker 3: does not work if you've ever tried to wash a
17:04
Speaker 3: paper plate anyway. All that, He'll say, scarcity is our
17:10
Speaker 3: default mode. Like we are built and wired to give
17:15
Speaker 3: up opportunities for growth to survive in the moments. Like
17:19
Speaker 3: that's how we are wired. You know, if you were
17:22
Speaker 3: walking in the African savannah four thousand years ago and
17:25
Speaker 3: you hear a rustling in the bush, it could be
17:28
Speaker 3: a rabbit and that might be your next meal, or
17:31
Speaker 3: it could be a lion and you were the next meal.
17:33
Speaker 3: So we've learned to give up those things and just
17:37
Speaker 3: trying to survive another moment. So we have very much
17:40
Speaker 3: survival brains and we're not built very well for abundance.
17:45
Speaker 3: It's not something that we experience very well. So I
17:50
Speaker 3: think because our natural default is scarcity, adding more money
17:54
Speaker 3: to somebody who already is feeling scarcy or feeling frustration
17:59
Speaker 3: or stress around finances, it actually makes it worse. A
18:02
Speaker 3: lot of people think that if I have more right now,
18:06
Speaker 3: you know, I'm living paycheck to paycheck, or I'm worried
18:09
Speaker 3: about the economy, or I'm worried about you know, what
18:13
Speaker 3: the president is going to tweet or something. But if
18:15
Speaker 3: I had more money, I wouldn't worry. And that usually
18:18
Speaker 3: doesn't work because it just more money exaggerates the concerns
18:23
Speaker 3: and frustrations and fears you already have. Just like more
18:25
Speaker 3: horsepower doesn't fix bad driving, more money does not fix
18:30
Speaker 3: a bad relationship with money, So we have to change
18:33
Speaker 3: how we interact with it. So I'm getting a little
18:35
Speaker 3: long winded, But to answer your question around generosity, it
18:39
Speaker 3: has to be a habit. So it doesn't matter where
18:42
Speaker 3: you are right now, whether you're a multi millionaire or
18:46
Speaker 3: whether you're scrounging to try to rub nickels together just
18:51
Speaker 3: to get ends meet and figure out how to pay
18:54
Speaker 3: your rent at the end of the month. Generosity needs
18:57
Speaker 3: to be a habit. A lot of people say, well,
18:59
Speaker 3: I will be more when when I get the new job,
19:01
Speaker 3: to get the promotion, when the house gets paid off,
19:03
Speaker 3: when I get rid of these bills, whatever, And it's
19:06
Speaker 3: kind of like it's kind of like saying I'm I'm
19:09
Speaker 3: going to start going to the gym once I'm in
19:11
Speaker 3: better shape, and it just it doesn't work that way.
19:14
Speaker 3: You have to build a habit now. So my encouragement
19:16
Speaker 3: to listeners would be to build your generosity habit. It
19:19
Speaker 3: might be it might be giving five dollars to somebody
19:23
Speaker 3: on the street, or or buying them a a burger
19:27
Speaker 3: at a fast food place or something. Maybe it's more
19:31
Speaker 3: than that. You know for some people it might be
19:33
Speaker 3: a lot bigger. But you have to start somewhere because
19:37
Speaker 3: if you if you don't start the habit of generosity,
19:40
Speaker 3: as your income increases, your lifestyle increases. They call it
19:44
Speaker 3: lifestyle creep. We meet a lot of people to make
19:47
Speaker 3: a lot of money. That's still basically do the paycheck
19:50
Speaker 3: to paycheck. So if you don't make room in your
19:52
Speaker 3: budget now to be generous, it probably isn't going to
19:55
Speaker 3: matter if you make twice as much money because you've
19:58
Speaker 3: never actually started that happen. So number one, start to
20:02
Speaker 3: have it now. Number two, by being in control of
20:05
Speaker 3: your finances, by being on a budget, by being intentional,
20:10
Speaker 3: by building wealth. Now that muscle that you've been exercising
20:14
Speaker 3: has more fuel to help it grow, and you can
20:18
Speaker 3: be even more generous. So that generosity muscle is something
20:22
Speaker 3: a lot of people are gonna have to start small with.
20:24
Speaker 3: So again go back to the gym analogy. It's not like, okay,
20:28
Speaker 3: so you're not gonna go in there and curl eighty
20:29
Speaker 3: pound dumbells from the get go. You might start with
20:31
Speaker 3: the pink five pound dumbbells. That's fine, will work our
20:35
Speaker 3: way up, but you have to start with where you're at.
20:37
Speaker 3: But as your generosity muscle gets stronger, because your finances
20:41
Speaker 3: are in better shape, you will be able to give more,
20:43
Speaker 3: to do more. And I'll tell you what Rick, Being
20:46
Speaker 3: generous is one of the most fun things that you
20:48
Speaker 3: can do with money, and there are studies to prove
20:50
Speaker 3: it where they've broken people up into groups. The people
20:54
Speaker 3: who are buying something for somebody else or giving money
20:57
Speaker 3: away have more filment, more joy, more happiness than those
21:03
Speaker 3: who are buying something for themselves or receiving something. So
21:06
Speaker 3: we've been told that for a long time it's more
21:08
Speaker 3: blessed to give than to receive. Now we actually have
21:10
Speaker 3: the science to prove it.
21:11
Speaker 2: Yeah, good point.
21:12
Speaker 4: And I think not just of money, but there's also
21:17
Speaker 4: generosity in other ways too, and exercising generosity where I'm
21:21
Speaker 4: thinking about time and I don't know if you've ever
21:24
Speaker 4: heard the frame of the five t's time, talent, treasure, ties.
21:29
Speaker 2: And testimony.
21:31
Speaker 4: These are all things people can give, Ties being connections
21:34
Speaker 4: to other people, and testimony being that I benefited or
21:38
Speaker 4: I find value in something, so I'm willing to give
21:41
Speaker 4: a testimonial about it. But the part about time is
21:45
Speaker 4: a lot of people say, well, I don't have time.
21:46
Speaker 4: I don't have time, and so I'm not only thinking
21:48
Speaker 4: when you're talking about giving money away when you feel
21:51
Speaker 4: like you don't have any money, but it's also saying,
21:53
Speaker 4: could I give a half an hour to somebody this week?
21:57
Speaker 4: Could I give twenty minutes to help somebody out? Could
21:59
Speaker 4: I take a phone call and make a connection for somebody?
22:01
Speaker 4: You know, like things I don't have time for, or
22:05
Speaker 4: so I think I actually make time for it. And
22:08
Speaker 4: then it becomes part of the healthy habit of giving
22:11
Speaker 4: not just money, but giving other things like my talent,
22:14
Speaker 4: my treasure, my ability to make connections for people, or
22:18
Speaker 4: taking time out to you know, write a nice note
22:21
Speaker 4: for somebody as a reference, or you know, give give
22:24
Speaker 4: an would you would you say something nice about blah
22:26
Speaker 4: blah blah? Yeah, sure I'll do that for you. You know,
22:28
Speaker 4: like that's all part of the generosity equation too. I
22:30
Speaker 4: would assume right.
22:32
Speaker 3: It is, and I'll be honest with you. Time is
22:34
Speaker 3: the area of my life where I feel the most scarcity.
22:37
Speaker 3: That's that's the hardest and for me, giving of my
22:40
Speaker 3: time is difficult. So when I'm looking to be more generous,
22:44
Speaker 3: that's how what have I been doing with my time?
22:48
Speaker 3: Because it's your work a place now where it's it's
22:51
Speaker 3: a lot easier to give money than it used to be,
22:53
Speaker 3: but it doesn't require the same sacrifice. And generosity changes
22:58
Speaker 3: your heart, it changes your attitude towards things. And so
23:02
Speaker 3: for me, making sure I'm still generous with my time
23:05
Speaker 3: is important. And I love what you said about all
23:08
Speaker 3: those different areas. Some of those are hard to measure,
23:10
Speaker 3: like what does it look like to be to be
23:13
Speaker 3: generous with our talent or generous with our testimonials, you know,
23:17
Speaker 3: giving somebody a reference or you know, whatever that thing is.
23:21
Speaker 3: Here's where we're being generous with money is a great
23:25
Speaker 3: place to start if somebody struggling with generosity in those
23:28
Speaker 3: other areas, because it's measurable, it's more defined. It's very
23:32
Speaker 3: easy to see with some of those other things it's harder,
23:35
Speaker 3: like you have to be very introspective. Now, Okay, am
23:37
Speaker 3: I being generous in these other areas? But to your point, Rick,
23:42
Speaker 3: when you start becoming generous in one of those areas,
23:45
Speaker 3: that generosity will will flow into those other areas, and
23:49
Speaker 3: you'll notice your heart will start changing. Not only that,
23:52
Speaker 3: you'll start noticing opportunities to be generous and to impact
23:55
Speaker 3: the lives of others around you that you probably would
23:58
Speaker 3: have just walked right past before. You become more aware
24:01
Speaker 3: of opportunities to help others and bring them up and
24:04
Speaker 3: create a better life for them.
24:06
Speaker 4: Right with no with not necessarily any quid pro quo
24:11
Speaker 4: benefit for you. Right, It's like I did that just
24:14
Speaker 4: because that person needed it. I did that and I
24:18
Speaker 4: continue to live my life, but I made that person's
24:20
Speaker 4: life a little bit better and I'm happy to do it.
24:22
Speaker 4: And maybe there's if you want to call it selfishness,
24:25
Speaker 4: the selfishness is, Gee, I wish somebody had done that
24:27
Speaker 4: for me thirty years ago. I wish somebody would have
24:30
Speaker 4: made that extra gesture, or I've noticed it when someone
24:33
Speaker 4: else does that for me, and how good it makes
24:36
Speaker 4: me feel, and probably how good it makes them feel.
24:38
Speaker 4: Like in other words, there's a lot of pleasure and
24:41
Speaker 4: satisfaction in knowing that just to take either that little
24:44
Speaker 4: bit of money or that little bit of time or
24:46
Speaker 4: that little extra step, even though you don't feel like
24:49
Speaker 4: you have the time or the capacity or the money
24:51
Speaker 4: to do it, Actually there's something satisfying to your soul
24:54
Speaker 4: about it.
24:54
Speaker 2: And as you say, the science is there to prove
24:56
Speaker 2: it these days.
24:58
Speaker 3: And I think there's even more satisfaction that comes when
25:03
Speaker 3: you're generous with somebody who can't repay you, can't who
25:08
Speaker 3: can't scratch your back after you scratch theirs. There's a
25:11
Speaker 3: passage in Luke six that talks about I believe it's
25:14
Speaker 3: Luke six that essentially talks about loving people who are
25:17
Speaker 3: somewhat unlovable and giving to those who cannot repay you.
25:21
Speaker 3: There is something very powerful in freeing because it's so pure,
25:23
Speaker 3: Like even if you're buying lunch for somebody who you know,
25:29
Speaker 3: maybe there's somebody in your sales industry or something like that,
25:33
Speaker 3: you never know they might be a referral source, you know, know,
25:36
Speaker 3: like you're doing it the goodness to your heart, like, yeah,
25:38
Speaker 3: this person probably could help me when when you're giving
25:41
Speaker 3: money to somebody that cannot repay you, is not in
25:45
Speaker 3: a place to ever give that back or to ever reciprocate.
25:50
Speaker 3: It's so much more pure, and I think that the
25:53
Speaker 3: fulfillment response that we get from it is even greater
25:56
Speaker 3: in those situations. So encourage people to give to people
25:59
Speaker 3: who can who either will not or cannot reciprocate, and
26:03
Speaker 3: you'll feel much more of a blessing from that. I'm
26:06
Speaker 3: not saying you can't be generous to everybody else too,
26:09
Speaker 3: but to your point, Rick, those are the people. Those
26:11
Speaker 3: are the situations where generosity really shines.
26:13
Speaker 4: Oh yeah, And it's probably the situations where those people
26:16
Speaker 4: will remember it the most and maybe feel in a
26:19
Speaker 4: good way indebted to the next person as they say
26:22
Speaker 4: pay it forward. Someday in the future, they'll say, you know,
26:25
Speaker 4: this guy, Chad did something for me. He didn't even
26:27
Speaker 4: know me, and he did this for me and I
26:29
Speaker 4: can't even believe it. And that always stayed with me
26:32
Speaker 4: my whole life. And one day I'm going to do
26:34
Speaker 4: the same thing for somebody else, or I'm going to
26:35
Speaker 4: do it tomorrow. I actually, you'll appreciate this. I spoke
26:39
Speaker 4: to a group of people students, young students, and my
26:44
Speaker 4: message to them was, even though you're just graduating from
26:47
Speaker 4: college and you feel like you don't have much to offer,
26:50
Speaker 4: and really you're out there just trying to scrap it
26:52
Speaker 4: together and get your first job and so on, you
26:54
Speaker 4: actually still have something to give right now. You can
26:57
Speaker 4: be generous, you can be helpful. And alluded to this earlier,
27:00
Speaker 4: like you don't feel like you have anything, and you know,
27:03
Speaker 4: I'll do it later, And I was really trying to say,
27:05
Speaker 4: you can do it now. There are things you can
27:07
Speaker 4: do in small and even larger ways than you think.
27:11
Speaker 4: You just have to be conscious of it. You have
27:13
Speaker 4: to realize that even though you're young and you don't
27:15
Speaker 4: feel like you have much, you actually have a deep
27:17
Speaker 4: network of friends and family and things you know, and
27:23
Speaker 4: you know there's a lot of ways you can give.
27:25
Speaker 4: You just have to be sort of showing up in
27:27
Speaker 4: that way and think, this is how I can give.
27:29
Speaker 3: Well. I like the categories you gave. One of them
27:32
Speaker 3: was testimonial, and this might not be exact representation of that,
27:36
Speaker 3: but one of one of the most powerful moments of
27:39
Speaker 3: my life was a conversation that somebody had with me
27:43
Speaker 3: twenty five years ago, and it was a difficult conversation.
27:46
Speaker 3: So this person confronted me about some things that I
27:50
Speaker 3: need to be confronted with. But he had built a
27:53
Speaker 3: relationship capital and he had lived in such a way
27:55
Speaker 3: that I knew that he was He was sincere and
28:01
Speaker 3: I was not. That's what I'm looking for. I was
28:05
Speaker 3: not humble in my reception of that initially, but his
28:09
Speaker 3: words sank in and I won't give you the whole story,
28:12
Speaker 3: but they had a life transforming effect from a single conversation.
28:17
Speaker 3: But it still took a sacrifice. It was not easy
28:20
Speaker 3: for him to do that. Now, fast forward twenty years
28:23
Speaker 3: goes by, and he was a fighter pilot F twenty
28:28
Speaker 3: two fighter pilot, so this was right before twenty one
28:31
Speaker 3: twin Towers. Once that happened, we lost touch and did
28:36
Speaker 3: not see him or talk to him for twenty years.
28:38
Speaker 3: Twenty years goes by and I get a phone call.
28:41
Speaker 3: It's a Colorado number. I'm like, and I usually don't
28:44
Speaker 3: answer numbers, and I don't recognize but I answered it
28:47
Speaker 3: and it's Paul Moga. Max Moga was Max was his
28:51
Speaker 3: call sign. And I got a chance to explain to
28:54
Speaker 3: him how much that conversation impacted my life. And I said,
28:58
Speaker 3: you probably don't even remember. He goes, I remember it exactly.
29:02
Speaker 3: I remember how everything was because I knew I need
29:05
Speaker 3: to have that conversation with you for a long time,
29:08
Speaker 3: and I just I kept coming up with excuses. So finally,
29:11
Speaker 3: just one day I came out and had it. And
29:16
Speaker 3: it just so happened that while we were talking, he
29:18
Speaker 3: was like, Hey, I just want to let you know
29:20
Speaker 3: I was just appointed by President Trump as the Air
29:26
Speaker 3: Force's newest general and now he's a.
29:28
Speaker 2: Two star general.
29:29
Speaker 3: So Paul has accomplished some things in his life as well,
29:33
Speaker 3: but it so at that time in his life what
29:37
Speaker 3: he had to give me. It wasn't it wasn't money,
29:41
Speaker 3: but it was time and it was a testimony. It
29:44
Speaker 3: was him speaking some truth into my life that I
29:46
Speaker 3: absolutely needed to hear. So that's something that doesn't cost
29:49
Speaker 3: anybody any money. But it's not always easy. He still
29:52
Speaker 3: had to make the sacrifice, and I am so blessed
29:54
Speaker 3: and thankful that he did.
29:56
Speaker 4: Yeah, and it stayed with you and like, like you said,
29:58
Speaker 4: what that was enough gift that he had. It was
30:01
Speaker 4: one of the five t's that he was able to
30:03
Speaker 4: offer but very powerful.
30:05
Speaker 2: It's true.
30:06
Speaker 4: I've had people walk up to me. I gave a
30:07
Speaker 4: talk many years ago and this woman walks up to me.
30:10
Speaker 4: I was meeting her for the first time. She's like, Rick,
30:13
Speaker 4: you said something in this talk and it stayed with me,
30:17
Speaker 4: and you're just like, wow, that's really powerful that I
30:20
Speaker 4: said something to a general audience and somehow you and
30:23
Speaker 4: I made a connection. And then to this day, you know,
30:26
Speaker 4: we're working in philanthropy together, and whatever words I said
30:29
Speaker 4: back then are still sticking with you, you know. And
30:32
Speaker 4: why did I give that talk. I don't think I
30:34
Speaker 4: got paid to do it. I went out because I
30:36
Speaker 4: figured this crowd needed to know something about planned giving
30:39
Speaker 4: at the time. So I went out and talked about
30:41
Speaker 4: planned giving, to take my time and my talent and
30:45
Speaker 4: offer that up. And it really, you know, you never
30:48
Speaker 4: know what that legacy is going to be, right well.
30:52
Speaker 3: And I believe blessings in our life are like water.
30:56
Speaker 3: If you let blessings flow through you like a river,
31:00
Speaker 3: it's refreshing and it's revitalizing. But if that gets stopped
31:04
Speaker 3: up and you're trying to hold onto that, it's like
31:06
Speaker 3: a pond where the water gets stale and stagnant, and
31:10
Speaker 3: eventually it starts growing weird stuff. And that's what happens
31:14
Speaker 3: if we don't let the blessings that we've been given
31:17
Speaker 3: flow through us. And to your point, you had something.
31:20
Speaker 3: You had truth, you had encouragement that you knew this
31:23
Speaker 3: audience need to hear. Whether you got paid for it
31:25
Speaker 3: or not doesn't matter. And you showed up to be
31:28
Speaker 3: the best version of yourself to give people a message
31:31
Speaker 3: that you believed, at least some of them desperately needed
31:34
Speaker 3: to hear. And then you got confirmation after the fact
31:36
Speaker 3: that that was in fact true. And just a reminder
31:40
Speaker 3: to everybody listening, like you have talents and abilities and
31:45
Speaker 3: giftings that are specifically for you, that are designed. They're
31:50
Speaker 3: designed to empower and impact the lives of those around you.
31:54
Speaker 3: Your blessings and your gifts are not meant just for you.
31:56
Speaker 3: They're meant for the other people around you. And I
31:58
Speaker 3: think we owe it to to our community, to our families,
32:02
Speaker 3: We owe it to those around us to find out
32:04
Speaker 3: what those uniquenesses are so we can leverage those uniquenesses
32:10
Speaker 3: to empower others.
32:11
Speaker 2: Yeah, well said, so true.
32:14
Speaker 4: We're not always aware of what we can offer the
32:18
Speaker 4: things we take for granted. Other people think, well, what
32:20
Speaker 4: an amazing trait or what an amazing opportunity, and we
32:24
Speaker 4: just take it for granted.
32:25
Speaker 2: And then but we see that in other people as well.
32:27
Speaker 2: We say, Wow, they have.
32:28
Speaker 4: This really incredible gift or this thing that they do,
32:32
Speaker 4: and we're in awe of it, and they're just like, yeah, whatever,
32:35
Speaker 4: I do that all the time and no big deal.
32:37
Speaker 2: So good. It's good, as you say, to remind.
32:40
Speaker 4: Ourselves that there's lots of ways we can offer our
32:43
Speaker 4: gifts in different ways.
32:45
Speaker 3: Can we talk about gratitude for just a second, Yeah, please,
32:48
Speaker 3: because I do believe these are tightly connected, and I
32:51
Speaker 3: just wanted to share something and we can go a
32:53
Speaker 3: different direction. But I think gratitude is an essential practice
32:58
Speaker 3: for generosity because exactly what you said, Rick, is when
33:02
Speaker 3: we express gratitude, and gratitude is not a feeling or
33:06
Speaker 3: a thought. Gratitude is a discipline, and when you express gratitude,
33:10
Speaker 3: you eventually start to feel more grateful. But there are
33:13
Speaker 3: days where you wake up you don't feel grateful, but
33:16
Speaker 3: you can still express gratitude. So don't think about gratitude
33:20
Speaker 3: as a feeling or a motivation. Think about it as
33:23
Speaker 3: a discipline or a principle that you live by. And
33:26
Speaker 3: we live in this comparison society where can you compare
33:30
Speaker 3: your average day to somebody else's best day on social media?
33:33
Speaker 3: And it's really really easy in that mindset to focus
33:37
Speaker 3: on what you don't have, to focus on what you
33:40
Speaker 3: think you're missing. But when you make gratitude a regular discipline,
33:45
Speaker 3: you get more attention directed at the things already in
33:49
Speaker 3: your life. You place more effort and energy focusing or
33:54
Speaker 3: dwelling on the things that you already have, you already possess,
33:57
Speaker 3: And it's a lot easier to be generous when you're
34:00
Speaker 3: also making a habit of gratitude. I don't think it's
34:04
Speaker 3: easy to connect one from the other. I know very
34:06
Speaker 3: few people who are generous and aren't grateful. I don't
34:10
Speaker 3: know anybody who is extremely grateful who's also not generous.
34:14
Speaker 3: So when you focus on what you have, the blessings
34:16
Speaker 3: already in your life, I think you're more willing to
34:19
Speaker 3: be generous and freely giving of those things because you
34:23
Speaker 3: have a more of an abundance lifestyle and mindset. You're
34:27
Speaker 3: not focusing on everything that you think is missing. The
34:30
Speaker 3: Joneses next door. You're focused on here's all the wonderful
34:33
Speaker 3: things already in my life. I should probably share some
34:36
Speaker 3: of this.
34:37
Speaker 2: Yeah.
34:37
Speaker 4: Absolutely, it's true. You're taking a deep breath, you're stepping back,
34:41
Speaker 4: and you're saying, you.
34:43
Speaker 2: Know what things turned out. Okay.
34:44
Speaker 4: You know, I don't know if you do this, but
34:46
Speaker 4: sometimes I'll think about near misses in my life, things
34:49
Speaker 4: that could have gone really badly and then they didn't.
34:52
Speaker 4: I mean, I guess that's a Bypraser. That's sort of
34:54
Speaker 4: same thread as as being grateful. You know, sometimes you
34:58
Speaker 4: can say I'm grateful because of my health, but you
35:00
Speaker 4: can also look at it as I remember that time
35:03
Speaker 4: I almost got hit by a car and I didn't
35:06
Speaker 4: get hit or this happened, and nothing bad happened as
35:10
Speaker 4: a result of this potentially tragic situation.
35:14
Speaker 2: It turned out okay.
35:15
Speaker 4: So it's not just sort of grateful for like the
35:18
Speaker 4: place I'm in as I wake up in the morning
35:20
Speaker 4: and life is good, but it's almost like, yeah, there's
35:22
Speaker 4: a lot of things that could have happened to me
35:24
Speaker 4: and didn't, and for that I'm grateful, and so for that,
35:29
Speaker 4: I'm happy to be here. And maybe I can spend
35:31
Speaker 4: part of my day today doing something nice for somebody
35:34
Speaker 4: else and taking a few hours and doing something good
35:38
Speaker 4: that says, you know, not only am I happy, but
35:41
Speaker 4: I'm also giving back in some way. So well, Chad,
35:46
Speaker 4: I want to have you back. I feel like there's
35:47
Speaker 4: a lot more questions I have to ask and back
35:49
Speaker 4: to your point about time. I want to respect your
35:51
Speaker 4: time and so on. But I want you to come back.
35:54
Speaker 4: But in the meantime, how would people reach you if
35:58
Speaker 4: they want to talk to you about generosity, gratitude or
36:01
Speaker 4: anything to do with what you do you know in
36:03
Speaker 4: your daily life.
36:04
Speaker 3: Well, on Instagram, we're Veritas dot Alaska and our website
36:11
Speaker 3: for Veritas Wealth Management is Veritas Alaska dot com and
36:16
Speaker 3: we have Alaska in the URL because we were founded here.
36:18
Speaker 3: We work with folks all over the United States, so
36:21
Speaker 3: don't let the Alaska distance you from us. But Veritas
36:27
Speaker 3: Alaska dot com and I'm on LinkedIn also, and yeah,
36:30
Speaker 3: I would love to hear stories of generosity or what
36:33
Speaker 3: stewardship has allowed you to do, because I do believe
36:36
Speaker 3: money is just a tool. It's a tool that we
36:38
Speaker 3: can use to build up and benefit those around us.
36:43
Speaker 3: And when you protect, when you are able to take
36:46
Speaker 3: care of yourself enough to then start take caring the
36:50
Speaker 3: taking care of others in a new and powerful way.
36:53
Speaker 3: It's just life is so much different and even more fulfilling,
36:59
Speaker 3: and like you said said it brings a whole new
37:04
Speaker 3: flavor to every single day.
37:06
Speaker 2: Absolutely, So we'll come back.
37:08
Speaker 4: We'll talk more about the same type of things, stewardship
37:10
Speaker 4: and generosity, talking about maybe empowering people to live and
37:15
Speaker 4: give more intentionally, and just talk about maybe generosity is
37:18
Speaker 4: a byproduct of financial freedom, things like that.
37:21
Speaker 2: I think that would be a good part two to
37:22
Speaker 2: our conversation. So thank you again, Chad. We'll see you
37:25
Speaker 2: next time.
37:26
Speaker 3: Thanks very.
37:31
Speaker 1: That wraps up today's conversation with Chad Hufford, and it
37:34
Speaker 1: offers a powerful reminder generosity is not a destination, it's
37:38
Speaker 1: a discipline. Here are three key takeaways from our discussion. First,
37:43
Speaker 1: money amplifies what already exists. More income won't fix a
37:48
Speaker 1: strained relationship with money, Intentional stewardship will. Second, generosity must
37:54
Speaker 1: become a habit early waiting until quote unquote later rarely works.
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Speaker 1: Generosity grows when it's practice consistently, regardless of bnkulo. And Third,
38:06
Speaker 1: gratitude fuels abundance. When people focus on what they already have,
38:11
Speaker 1: Generosity flows more naturally into money, time, talent, and relationships.
38:17
Speaker 1: Thanks for listening to Money to Give. This conversation resonated
38:21
Speaker 1: with you.
38:21
Speaker 2: Please leave a review on.
38:23
Speaker 1: Your preferred streaming platform, share it with a friend or colleague,
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Speaker 1: and most importantly, keep that giving feeling going. We are
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38:39
Speaker 1: A reminder, this podcast is meant to be for educational
38:42
Speaker 1: purposes only. For specific advice related to your own situation,
38:46
Speaker 1: please consult an attorney, financial advisor, CPA, or other type
38:51
Speaker 1: of trusted consultant. If you're looking for fresh insights on
38:54
Speaker 1: how to give smarter, raise, more money, and advise your
38:57
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39:20
Speaker 1: connect with me Richard peck on LinkedIn as well. Until
39:24
Speaker 1: next time, let's keep making a difference together