301: Never Too Old for IBC: Mary Hadfield’s Story at 71

Foreign. Welcome to wealth on Main street where conversations about growing your wealth are fun and entertaining. Wealth isn't just about money. It's the skills and the knowledge that we develop to pass on to future generations. Tune in each week to grow your mindset and your net worth at the same time. So we're joined today by Mary Hadfield and I've got my good friend Stan Wolney with us as well today. So thank you both for being on the program.

Thank you, Richard. Honored to be here. A real pleasure.

Pleasure too.

Mary, I'm excited to ask you a number of great questions about, you know, incorporating this process in your life and I want to really put our attention on you. Before I do that, I'm really curious. Stan, I want to bring you in because you've had the wonderful pleasure of getting to know Mary in this process and being able to help and assist her. What is it that excites you about having conversations with Mary and why is it that you prompted her to come on the program and share her story today?

Oh, that's a great question, Richard, and it's a real easy answer. Just Mary and just her personality in general, her zest for life and you know, she's not closed off her thinking. She's always rethinking her thinking. She's very wise, she's patient, she's very caring. You know, she's the ideal person that somebody like me wants to work with.

Awesome. Well said. Well, Mary, we're excited to have you with us here at the, at the young age of 71. You're a mother, you're a grandmother. You've decided to embrace Nelson's concept. You've, you've read the book becoming your own banker. How did this concept even come into your life? What was the domino effect for you that tipped over?

I have a very good friend and he actually had spoken to Stan first and then he told me about it and we're also in doing different things together and he knows that I'm always open to better ideas and I, it was on, I was intrigued by it because it's not the normal program that you can go into. But it just looking at it was a no brainer for me to say, oh this is great, I got to check it out. So that's, he gave me Stan's information to contact him. So I contacted Stan. It was no brainer from there.

Amazing. And Stan probably made you jump through some hoops to learn a little bit about the process before getting started. Sometimes people who have a zest for life and Stan identified for you. They want to jump in kind of with both feet. And often our team says, well, let's just simmer down and slow it down a little bit. And we suggest going through a bit of an education process. What was that like for you?

Reading the book was a little bit of a challenge because I'm the kind of person I love to read. But if it's got a lot of detail in it really bogs me down. Down. If somebody explains the numbers to me, okay, I trust you. You know what you're doing. You sound like you know what you're talking about. And so that's easier for me. But I did read the book and it is very informative. I would recommend it to anybody because it gives you the information you need to get a proper perspective on what the program really is. I also really enjoy the fact that Stan is available anytime for me if I have questions. He's very good at explaining things so that I can understand them. And it's. It's just like at the position with the way things are going in the world today. And you really have to have a grasp on things and it's. They change so quickly. And this is something that is a very. It's very stabilizing because I look at that and I think, oh, okay, I can make my money grow. And besides other things I'm doing, I can make my money grow and also make it work for me in a better. A different. It's a different way to do it. But it is very what's word I'm looking for. Encouraging to see that. You know what? I. I normally do not deal with banks, deal with credit unions because they're just more a people thing for me. But even now, some of the credit unions are not like everybody is changing the way they're thinking. Of course the government has big influence on that. But just being able to talk to somebody and they can give you a different perspective on an idea and being able to look at it and say, you know, this is going to work for me. Doesn't matter what my age is. And something I've always been very tuned into is staying healthy. I don't exercise as much as I should, but I'm not. The only medication to take is for my thyroid. So I'm basically, I'm a very healthy person. But the. The whole process of just getting approved and all the insurance stuff you have to go to, it was very simple, very simple. And everybody was so easy to talk to. The. I didn't feel I was not made to feel less of a person. And that is, that is absolutely really critical in this day and age because a lot of people, they may not have the self confidence that a. The person applying has, but they are not made to feel less. So it's very encouraging to see that and just the way that people are dealt with, it's. I really enjoy it.

It's interesting because you, you started talking about of course not dealing with banks already for a good chunk of your life having a desire to focus on a credit and you, you equated that really directly back to a people aspect and then absolutely circled it around talking about your experience going through a life application, dealing with members of our team, dealing with, you know, folks from insurance company etc, and, and that similarity kind of carried through. So it sounds like that's been a consistent thing throughout your life.

Absolutely. I, I am more of a people person. I've learned a lot of different things. And of course you're never too young to learn, never too old to learn if you're willing. You know, I just, I take that.

And make that a sound bite and put that on all of our videos. I think right there.

You're never too old. If you, if you love to learn, if you're willing to learn and you're willing to change, you're going to benefit if you don't. And this is a per. Very personal thing for me where I've. I've. I am divorced and I've seen in front of me when a person decides not to move forward, they go backwards very quickly. And that's sad. That is very, very sad. So I prefer to improve myself whatever way I can and in doing so I can also spread that around to other people.

Yeah, very interesting. There's a. Many years ago, probably 20 years ago, I was attending some personal development courses and one of the gentlemen at the time, T.R. becker, he would say if you're not growing, you're dying.

Exactly.

That's kind of what I see and I hear from you in the way that you're expressing it. And I think it's interesting because you obviously have other people in your life that are important. You have your children, you have grandchild and maybe more to come in the future. And so how does learning about this process withstands guidance and what's coming up for you as far as thinking about the future even beyond Mary, how does that translated into this experience for you?

I can actually set things up to provide for my family. I mean my daughter is very self sufficient. So is My son, my granddaughter, like I don't see her much because she lives down the States and I can do something for her for the future. So it's something like, I mean, right now I'm not in the position where I'd like to be, but I can work towards it and I am working towards it so that if I'm not around, I can leave a legacy for her, I can leave a legacy for my daughter. I mean, my daughter is, like I said before, she's very self sufficient. But it's one of those things where you can also show them and they may not be willing to see what you, what you're doing, but you can at least let them know.

Yeah, you can lead a horse to water, but you can't make a drink.

Unless you make him thirsty.

Yeah, I love that. Now Stan, you've had, sounds like you've had a lot of great meetings with Mary thus far. And so from your perspective, you've been doing this for a while. You've, you've been meeting with people all over the nation from all different age groups, all different walks of life. And I'm curious, you know, she mentioned that you've been very accessible to her. She's reached out for a number of questions. What are some of the questions that you find not just maybe with Mary, but is there a, a trend that you're finding with people from different, let's say age groups, etc? What types of questions come up when you're connecting with people and, and what is it, what is it for you to know that you can be there to serve and answer those questions? Now I want to caveat this. So Mary, you said you like to keep it simple and you need someone to explain it to you. And Stan's done a good job. Stan does like the numbers and Stan does like to get into the weeds on the details. I know that because that's one of the things that makes Stan pretty special. So I'm just curious about your perspective on all that, Stan.

Well, I guess there's not a general answer for everybody, Richard, because you know, I've been fortunate to, as you mentioned, deal with people across the country and they're all different. But the one thing I think that ties them all together is they want to learn about something new that they think can benefit them. Now, whether we can get them on that right path or not, whether they're like Mary and they're willing to rethink their thinking about what they do with their finances, you know, that's where we kind of Come in and help coach them and get them to that point. So I find that a lot of people are coming to us because of their distrust of the institutions that we have out there. You know, whether it's the banks, the government, things like that. You know, they're looking somewhere like, where can I go where it's, it's safe, it's, it's secure, it's private. Nobody's going to get into my business. That's a real common thread and I hate to say it, but I've had a lot of people come through to me that have been scammed. And that really breaks my heart. You know, there's, you know, I think, what's that saying, A man with a suitcase can take far more from you than a man with a gun. So it's very true. I've seen that a lot. So people are looking for something different, you know, and I think that's what we can offer them. And that's what I'd like to do. I like to help them explain this and show them what can be done.

You definitely found someone who was bucking the trend, as it were, with Mary, with her, you know, constant advocation for new learning, but just again, that openness to be willing to learn a different path. And it seems to me that you might be a bit of a contrarian Mary, and that you've always looked for maybe what is the. What is the thing that I'm not being told? What's the thing that I don't know about? Is that kind of a good way to describe chunk of your life?

Interesting you would say contrarian because you know, that little. What do you call it? Mary, Mary, Mary had a little lamp or. No, something about Mary being contrary. Because I am, I am. I can be very. I can be devil's that I love to play devil's advocate when I want to get somebody to think. But I also like to have fun. And, and I, I'll do it in fun. I won't deliberately try to make someone feel bad. I don't think that's right. But it's just when you see something different, I'm. My curiosity gets me, so I gotta check it out. And it's one of those things where you look at it. Well, or I'll look at it and if I. There's something that'll pique my interest and I'll. I'll get into it and see what, what it's all about and take things from there. If I like it, I'll do something with it. If I don't, well, then, you know, it's not for me, so then I'll move on. But I do love to learn things because it's like it just, I mean, that's what keeps me young. I mean, if I was sitting there, I can't, I don't understand how people can sit around and do nothing. That's just me. I know some people, you, you know, they may have physical handicaps and stuff, but I've also met a lot of people like that that may not be able to do something physically, but their brain is absolutely vital or full of vitality, and that they're not sitting there, just running, so to speak, might not be the right term, but it's, it's just one of those things where if you're, like I said before, if you're willing to learn, you can go so far, you can go so many places.

I love that. You kind of remind me of my mother because she's that firecracker kind of individual, much like you've described yourself, and always being, doing something, not being able to, you know, sit, just sit around, do nothing. I, I, I concur. I'm much the same way when it comes to that. And so I appreciate everything you're sharing. And I think that busyness, to some degree, there's, there's busyness that's for purpose and effective, and then there's busyness that's not. But, but a degree of, that does create a level of energy. And the more you can perpetuate and continue that energy going well, that does lead to longer lifespan, vitality. And so I'm really appreciative to hear you talking about those things. We do have a longevity playlist on our podcast where we've had a number of people talking about certain, you know, medical technologies and just mindsets around maintaining, you know, longevity. And one of the things that we learned that I learned both from Nelson Nash and additionally from Dan Sullivan, who is a mentor of ours with strategic coach. You know, dan, he's about 81 years of age now at the time of this recording, and he's constantly making relationships with younger people because he's curious. He wants to learn what's going on for them, what's different in comparing it against his own experience and how is their experience shifting and changing and how does that inform the future that they're going to, and he's curious about those trends and all those things. And additionally, Nelson was much like that. He invested a lot in younger people. There was a story of A young man who wrote him a letter who was about 18 years old and it was about. He had read this book, who read Nelson's book, 18 just kind of randomly came across it. And Nelson ended up funding a tuition for him to go to the Mises Institute for a program to learn about Austrian economics. And so he really invested in younger people because he recognized that is, that is the path to the future that we seek. Whether I'm here to see it or not, that future can exist and will occur to the degree that we're able to bring the youth along with us. That's kind of was his mindset. He may not have put it in those words, but ultimately that's the lesson I took away from, from him and my experience of getting to know him.

The young people today are the future and if we are able to provide for them the means to learn more to. And some of those kids are brilliant. Like, I mean you see 18 year olds that are millionaires already and why? Because they found a way to do something different and better. You know, especially with the technology age. It's crazy. Like even when just looking at like my laptop is almost 10 years old, but man, you get one now like a brand new one now it's like you just, it, it just far exceeds anything mine can do. And it's just because somebody was willing to go take a step ahead, look at something different, think out of the box and go with it.

Now how many, how long has it been since you, you know, at the time this recording, how long has it been since you first connected with Stan? And whereabouts are you at in the journey at this point, would you say?

I believe it was the beginning of this year and my application was approved I believe around April. And right now I'm actually looking at taking and taking a little bit of money, making a small loan so that I can pay off something else I've got and benefiting because the interest rate is much lower. Plus it'll actually add to what I'm doing with my policy. So that really intrigued me when I saw that. I mean anytime I can make my money grow faster, I'll do it.

So.

And it doesn't. And there's other benefits to it. I don't remember them all, but I know that that was the key one for me. Just seeing someone say, hey wait a minute, I can do something better here.

And what have you found? Obviously you talked a little bit about the beginning stages of the process and in the education and being kind of walked through by Stan as we Go. We have a lot of resources here, of course, sometimes maybe a little bit too many. To a degree. There's an expression that a confused mind says no. So, but at the same respect, we don't know what people are looking for because everyone's coming from a different, you know, walk of life. So we have to provide, you know, a tremendous amount of varied information resources to be able to help the. This individual with this challenge and this individual at this age, et cetera. And so we do have a lot of that, both with our podcast and with our other YouTube channel. We also have, of course, our own books. What. What would you say about the degree to which you have access to information and tools and resources to help you along this path?

Well, there. Your access is really good because you can access the podcast. You can, like, say, and the books and stuff. Like, I have Nelson Nash's book for myself because I'm. I've kind of got my finger in a lot of things. I will look at something and I'll get the basics, and I'll stick with that until I need to know more, which might be a little bit backwards, but because of all the other things I'm doing, I have to do that in order so I don't become overwhelmed. Because if I'm overwhelmed, I do nothing. So I have to, okay, I kind of know myself now, and I can say, okay, I will do this here, do that here, do this here. And I love the fact that if I have a question, I can always get a hold of Stan. In fact, I did that just not long ago because I've talked to my sister about this, and she has a health situation where I wasn't sure if the insurance would actually cover her. So he gave me the form that she needs to fill out and get some information. I don't know if she's done anything with it yet because I gave it to her last week. And so I'm going to be connecting with her again and just asking her if she's been able to get to it, because she's. She's gone through some stuff that has kind of hindered some of her physical stuff. I'm not going to be specific because that's confidential, but she was very interested in it, and so I thought, okay, I'm gonna find it from Stan, what I can do to help her. We'll see how that goes.

And it is interesting because we, you know, speaking of that, we do find people who have aventurability challenges. It's a common occurrence. I mean, Stan, you've run into this a number of times where we think everything's going to be fine. And we're, we, we like to say we sit there and twiddle our thumbs while we wait for the insurance underwriters to do their job to determine, you know, can we issue insurance to this individual. And those reasons are, are quite varied. And you know, now that I'm doing that, I've been doing this for almost 17 years. I've seen a lot of things that I would have not expected or anticipated. And the good news is, in general, most often we still are able to help someone because usually there's an insurable interest. So even if you yourself aren't the body that we can utilize for the process, there might be another body that we can tap into to make that work. You know, and just for our listeners, again, the general rule of thumb is, you know, is reasonably easy to insure parents, spouses, children and grandchildren. Once you go outside of that realm, you, you can still do it. It just depends on what is the rationale you have to defend. And that's where Stan and I come in. We have to make a reasonable business case to the insurance company why an individual wants to take insurance on this person. And here's the general rule of thumb. You have to have a general interest in that person being alive in order to do it. Versus, versus the other thing.

Yeah, exactly.

That's a pre qualifier. And you know, and then we also do work with like business partners and shareholders and key employees in a business. And so, you know, there is a lot of options from time to time again, depending on the case, we can get nieces and nephews. That can be a little bit more tricky. Again, it really just depends on the whole dynamic of the, of the individual circumstances. And that's where we see this, you know, progressing over time. And so you trying to bring your sister in is great. And you know, we have had those experiences where someone, you know, wasn't able to be insured. That doesn't mean they can't complete do this process or they can't still do meet a lot of the objectives that they have in mind. We just have to rethink the way that we were looking at it originally. And that openness that you've described, I think is really a key, a key component for people being ready to understand. Look, I have some things I want to be able to do. This process I've determined will help me do some of those things. Doesn't matter who the body is. In a perfect world, it Would be nice if it was this one, but we don't live in a perfect world, so let's go with this one instead. I mean, that's kind of the thing that's available to people.

Yeah, that's true. Like, I'm the oldest of six kids, so she's younger than I am. She's had more health issues than. I've never been sick, like, like she has. So I just thought, well, I may as well find out what I can for her, see how we can help her. Maybe.

Now, you did mention the podcast, of course. You're joining us on one today. What, what have you found? You've listened to a few here and there. Maybe you haven't listened to all of them. There is almost 300, so I can understand that. But what, what have you found? You know, is it the ones that kind of Stan has hand selected and sent to you, or ones that you've just kind of, kind of stumbled across? What have you found as far as that resource being available to you to, to listen in from time to time and expand your learning?

The ones that I pay attention to more, the ones that Stan sends me and I can't always get on them. In fact, it's very rare that I can. But the ones that I have been on, they're very detailed. So if you have any questions, it's a perfect time to ask them. Anytime is perfect to ask because you know, you have somebody you can ask them of and they are very informative. Sometimes though, they can be a little bit lengthy, but you're getting the information, right?

Amazing. I love that. And now I'm curious. What is it that you see for your future? You're. You're really getting started. You mentioned you're taking a loan. You're going to be paying, paying off a third party bank and bringing the cash flow going to those guys back to your own system, which is amazing. What is it that you, you're looking forward to as far as the next couple of years as you begin to really develop and grow with this process?

What I'm seeing is I'll be able to multiply my efforts by using this program. I want. There's some things I want to do for my granddaughter and I can't do them exactly right now, but I know down the road I'll be able to because the options are there and I'll be in a better position to do what I want to do. So it's one of those things where you, it's a time thing where you have to Just be patient and wait. Like you said before, you have to be patient and wait. But the options just get better all the time as you utilize the program more and more. And that's what I'm looking forward to. So, I mean, I don't know how long I'm going to live, but while I am still alive, I'm going to do what I can.

I think that's a pretty encouraging goal to have, and I think that more people should adopt that attitude. Personally. It would make a difference now. Now, Stan, I'm, I'm curious when you think about some of the, some of the questions maybe that Mary has asked, and she mentions reaching out every once in a while. I'm assuming that's, you know, an email or a text message or something. What, what is. What do you find that you typically do? You, you assess this. The question, do you help often look for a resource that's available to send over? You provide a direct resource? I mean, sometimes there's a combination of. Certain questions are very unique and specific to an individual's, like own financial circumstances. Sometimes questions are more about the process in general or clarification of something that they've learned. I know for myself, and maybe you've experienced this, Mary, when we learn something, it sinks in. We, we have, we have the knowledge that it's there, but sometimes we, as we're rethinking it or it comes up again later, we're kind of like, oh, yeah, I kind of learned about that. I sort of remember, but I want to verify and double check. So there's a degree of that that the brain tends to process on. So I know for myself, repetition, I find, is often my best teacher. And so, Stan, how do you approach that? Because, you know, again, helping people all over the nation, everyone has their different challenges. What's a way that you like to make sure that you can provide, you know, coaching and guidance to the people you serve?

Well, that's a great question, Richard, but. And it's really, as you mentioned, kind of specific to what the questions are and what the client wants to learn. And usually with Mary, it's been, you know, accomplished through dialogue. You know, Mary's, you know, jumping on a lot of our webinars and learning and that. And she'll usually come to me with questions and then I clarify it for her. And I've been, she doesn't notice. I've been actually watching her policy grow over time. And I was waiting and this is actually a perfect time because it's at the point she can start using it and taking out loans. Loans and doing the things that she wants to. So I'm actually pretty excited to go have another meeting with her and talk about that. You know, take out your first policy loan and use it to pay off whatever debt you were talking about or whatever the circumstance is and coach her through all that. Make sure she's got the template that we send out to everybody to direct the funds back to equitable, back to equitable, things like that. Setting up a repayment schedule, you know, and just do what I can for Mary. I mean it. Well, you can see, Richard, she's just so pleasant. She's so easy to deal with, and I, I just like talking to her all the time. It just lifts me up all the time.

Those are the kind of people we love to serve. So if you're the person that likes to lift people up all the time, we'd like to hear from you as well. You know, we, we do love that mindset, Mary, because it's. Nelson Nash was so focused on thinking on mindset, and, you know, it didn't matter what was going on. He found a way to turn even the most interesting things that would. Would be problematic that a lot of people would complain about into a joke. You know, Jason has told the story of a phone call he received from Nelson Nash where he says, well, the, the rumors of my demise are unfortunately false, you know, because he's, he's calling you. You know, he took a fall and he slept in, in the bathroom while he was shaving, I think. And he, he says, have you ever heard of immovable object theory? No, no, Nelson, I haven't. Well, would you believe it that I, I slipped in the bathroom and I, I slammed against the bathtub and that thing didn't move an inch, you know, his shoulder, however, not so, not so pleasant. But that's a situation where, you know, a lot of people would have an experience to complain to, have, you know, everything about the bad day and where everything's bad. And Nelson finds a way to turn it into a joke, to turn into a lesson, to turn into an experience. And he was so adept at taking real life situations and examples and crafting them into a narrative of a story that produced a lesson. And he would make sure that the lesson connected back to the general process and the mindset of his concept of infinite banking. He told the story of when he had quadruple bypass heart surgery, and it was, I believe, in 1988. And he, he even went to the degree of talking about how Everyone says that, you know, you have this tingling feeling or there's these common elements that people experience. He says he didn't have that experience at all. He said, have you ever seen a cat, you know, in a bag, trying to get out? It was. That was more like what I was going through, and I didn't. So I had no indication or thought that it would be a hard issue. Yet. He had a lot of heart, you know, heart issues in his family line, his family lineage. And he would also. He would always say, yeah, would you believe it? My. My brother died. Poor choice of ancestry, he would say. And so everything. Everything turned into a joke of some nature. But he talked about the experience and going through, you know, and he. For him, it didn't matter because he actually was going to be going home because they didn't see, they could. Couldn't find what was wrong with him. And there was a snowstorm, which never happens in Birmingham, Alabama. And because of the snowstorm, they said, you know what? Why don't we just keep you overnight? If something happens, we can't get you back here. And it was because of that that he stayed overnight and didn't go home, even though that's what was going to happen, that they ended up discovering he was blocked in four places, basically. And so they rushed him in to get the operation done. So for him, he didn't really remember much other than coming to. But he came to realize later that what made it all possible was this wonderful machine called a heart lung machine. And the heart lung machine, since it's been developed, I mean, it's. It's saved thousands of lives. I mean, it's an incredible piece of ingenuity that has made a drastic difference in. In people's longevity, really. And he says the heart lung machine, you know, allows the blood to pump basically around the heart and outside of. So it continues to flow through the brain and all these things. It needs to run through elements of your body to maintain the living components of your body. And, you know, he would say, well, have you ever considered, you know, everyone needs a heart to live, but have you ever considered that you could live without one? Well, most people don't consider that. Well, well, I did for two and a half hours, and here's what happened. And then he would said, you know, if you look at people financially, the bulk of, you know, a heart lung machine, basically all it does is it. It barely maintains the concept of being alive. You're not really alive because you can't really do anything while you're on the machine. And so it's there to. To facilitate the general process of maintaining existence, but that's all it's doing is maintaining. You can't thrive, you can't do anything. You can't think, you can't go beyond. And he says the bulk of this, of the society financially that we know, they're living on the equivalent of a heart lung machine.

That's a good analogy.

And if they knew what was going on and they could figure out how they could get the blood pumping a little bit better, they could get their. Their brain working a little bit better, they could, they could exit that environment. Quadruple bypass. Most people would probably chalk up to the bad day category of their. Of their. Of their life. Nelson turned it into a lesson to help teach people about his concept.

He must have been an amazing man, because I would have loved to talk to him.

He would have loved to talk to you. You know, he. He appreciated people who had that open mindset and that thinking. And it wouldn't matter where in the room he was, whether he was up in front of the stage or he was sitting in the crowd listening in to someone else, you always knew his presence was there because he, he would laugh at things, and he had a very distinctive laugh that you could recognize for most areas of the room. So always appreciate him and think fondly about my times I was able to spend with Nelson. I was really, truly blessed about that. And of course, for our purposes here, we're taking your experience, your new journey that you're on, your growth path, of. Of mindset, on the financial category, your coaching relationship with Stan, and we're taking what Nelson provided us. And now you're an extension of that. And you're, you're also incorporating connecting with other people. You find something good that is adding value to your life. You're the type of person that sounds like Mary who wants to share that which we appreciate. You're talking to your sister, you're going to be talking to your children, you're talking to other people. And the same way you were introduced to Stan is the same way that you're going to start introducing other people to stand. And by the default of that, that's an extension of Nelson showing up in the world because we're taking what he's given us and we're making sure others can learn about it. And I think that's truly tremendous.

It is. It really is. Like, why would you keep something good to yourself if you can share it?

Absolutely, Mary. We have a fun thing that we like to do on our podcast here once we've had a chance to get to know someone like yourself. And you know, while when you showed up to our call today we had to adjust a little bit of lighting. You look absolutely fantastic on our show program today and you've got this beautiful blue dress but you didn't show up with a cape on it, which is interesting. And I, I'm not sure if you ever do walk around with a cape. I know some, some, some Halloweens perhaps you've done in the past but when you, when you share what's true for you around being curious, having an open mind, wanting to constantly be, be better, finding the next best version of yourself, being growth minded and longevity minded about the life that you want to live so that you can set an example for those of us following behind you. You are showing up like a hero. And so our question is who is it that you would most like to be a hero to?

Anybody I meet because it doesn't have to be something big. But I know there's been times and I'm even just when I've been with some friends. I know one friend I have, I said something to her one day and she told me a couple weeks as you Mary, when you said that to me, that was something I needed to hear. And I just looked, I said, I didn't even know I said anything. You know, and it can just be something that you're not even aware of, but somebody else needs to hear it and you're the vessel that carries it to them. And this is the same kind of any opportunity that is good that's going to benefit other people. If they're open to it, then you're the vessel that pours it on. It's a blessing that you can give them. It's their choice whether they receive it or not. And maybe they don't need it, but maybe they do and they're not aware of it yet. But if they watch you and see how you're living, it might just wake them up. But I mean you can only like you said before, you can take a horse to water, but you got to make him thirsty if he's going to drink. So it has to be. I consider myself an example to other people. Hopefully I'm not bad, but even if I am, it's a lesson I'm going to learn. Right? And I can always improve.

Yeah, I love that. Being an example for others and finding a way to constantly improve. I think that's fantastic. Stan, final thoughts for our program Today.

It'S like Mary said, you're never too old to start this. Because I get that a lot. You know, people even like in their 50s and that they're like, I'm too. I'm like, no, you're not. You're always going to need to finance things in your life. And then when you start opening their mind up, then they start to see the light. And the more you go down that path, the more they realize how this can benefit them and their families. And that's what this is all about. And people like Mary are a shining example of what can be done if you keep an open mind and you're willing to learn new things and improve yourself all the time. And that's really the goal in life, Richard, is to move forward, be better.

You know, I love that. Well, it reminds me of. Of a wonderful lady that we had on the program talking about her business, which is called Second 50. And her focus is helping people at the second 50 year stage of life. And I love the title of it because it's all about recognizing that you can continue going. You know, and I think the moment that you. The moment you think about shutting down is the moment that your brain starts to figure out how to make that happen and make that a reality. But if you want to gear up, well, then your brain's going to try to figure out how to help you gear up. And, Mary, you're at a gear up stage of life, which I think is pretty phenomenal. And for those of you who are ready and willing to gear up, like Mary, make sure you leave a comment below. Subscribe to the show and check out this next video that popped up right here, because that's going to help you continue to expand what your next 50 looks like. Hey, if you're enjoying this episode, hit subscribe on Apple and on Spotify or wherever you listen to podcasts. Never miss a show in the future.