Tommy DobczykOpportunity Zone Advisor, OZ Wizard · Director of Development | Certified Opportunity Zone Advisor

The 5 Life-Altering 'Ds' You MUST Prepare For! #shorts

12 Jun 2026 · 1 min

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Tommy Dobczyk walks through five major life disruptions: death, divorce, diagnosis, economic downsizing, and job loss. He asks viewers to count how many they've experienced, noting that each one is emotionally and financially devastating, and together they can break a person.

Chapters

This is a really important piece because the more families that I speak to or stages that I speak from, I literally have everybody hold up their hands. So everybody do me a favor, hold up your hands, put up so I can see your fingers. And what you're going to do is I'm going to give you the 5 D's. However many D's your family has literally dealt with, I want you to hold up that many fingers. We're going to do a test. So it's death, divorce, diagnosis, downsized from the economy, or being dumped from your jobs. All of these are emotionally devastating, let alone financially devastating, and you couple that together and literally it will break a person.