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TEAM WORK EXCELLENCE
TEAM WORK EXCELLENCE
Episode Summary: In this episode, Tim sits down with longtime friend and financial advisor Dave Appleton, who brings over 40 years of experience in financial planning. Dave shares insights on the importance of long-term financial strategies, emphasizing visualization as a powerful tool for understanding complex financial concepts. Beyond finances, Dave and Tim explore the importance of staying active and engaged in retirement to maintain both mental and physical well-being. Tune in for a conversation that blends financial wisdom with practical life lessons, helping you make smarter choices for a more secure and fulfilling future.
Episode Notes
In this episode, Tim sits down with longtime friend and financial advisor Dave Appleton, who brings over 40 years of experience in financial planning. Dave shares insights on the importance of long-term financial strategies, emphasizing visualization as a powerful tool for understanding complex financial concepts. He explains key principles like the rule of 72 for investment growth and the value of diversification to secure financial stability across generations. Through real-life client stories, Dave highlights how proper planning can lead to financial success and security, while short-term thinking—like what fueled the tech bubble—can be detrimental. Beyond finances, Dave and Tim explore the importance of staying active and engaged in retirement to maintain both mental and physical well-being. They discuss how early retirement without purpose can increase the risk of cognitive decline and why continuous learning, including leveraging screen time for education, can keep the mind sharp. Dave also shares how simple visualization techniques—like using sugar cubes to demonstrate financial impact—can make complex topics more accessible. Tune in for a conversation that blends financial wisdom with practical life lessons, helping you make smarter choices for a more secure and fulfilling future. About Dave Appleton Dave has been assisting individuals with the planning of their Lifestyle Retirement goals. His objective is to provide individuals and business owners with the advice they need to achieve their immediate and long-term goals by offering a wide range of financial products and services through Planning Strategies Group Ltd. In 2004, Dave was awarded by the Financial Planning Standards Council of Canada (along with two other business associates), the prestigious award of "Advisor of the Year". In addition to help develop and manage a Financial Planning department for a major world-wide Life Insurance corporation, he was also one of the first individuals to set up a full service Financial Planning company in association with accountants and lawyers, this providing a one-stop service for individuals and business owners needing Financial, Estate and Tax Planning advice. Contact Tim Sweet | Team Work Excellence: Contact Dave Appleton: Transcript Dave 00:01 A picture is worth 1000 words. You get good screen time. You've got 10,000 words, and the memory of a picture is a lot greater than the memory reading from a book. I'm not saying you don't remember. It's just that the picture is there and you can visualize, and if you can visualize something down the road in 10 years, five years. But the thing is, it imprints is there, but the book isn't the same as a picture as that picture. This is why this has become a lot more usable. Tim 00:33 I'd like to ask you some questions. Do you consider yourself the kind of person that gets things done? Are you able to take a vision and transform that into action. Are you able to align others towards that vision and get them moving to create something truly remarkable? If any of these describe you, then you, my friend, are a leader, and this show is all about and all for you. I'm Tim Sweet. Welcome to the 53rd episode of the Sweet on Leadership podcast. Tim 1:06 Welcome back, everybody. Thanks for joining us again. Here on the Sweet on Leadership podcast, I have a dear friend joining me today. I'd like to introduce you all to Dave Appleton. Dave Appleton has been a friend of our family, helping us with financial decisions. We've known each other for years. We came from the same community, but Dave means so much to the health and the wealth and the happiness of my family that it's a real pleasure that I get to introduce all of you today to this fine man. So Dave, thanks for joining us. I hope that this is a fun experience, and I'm looking forward to all the reactions we're going to get from this, because I know that the lessons and the messages that you have and what you've taught me in the past is going to resonate with a lot of people out there that are trying to improve their influence and their impact with others and their life in general. So again, I'm really excited for this one. Dave 02:01 Happy for you. It's been a pleasure. Tim 02:06 Okay, Dave, why don't you tell us a little bit about you and the company you run and give us a picture for what your purpose in life is. That would be great. Dave 02:14 First of all, I have been in this business for over 40 years. Tim 02:19 Yeah, wealth management and financial advisory. Dave 02:23 Yeah, and insurance and I started with, years ago, I started with Manulife. And it's funny because I went with Manulife because they were focused on money products, like financial planning, and that really attracted me. Prior to that, I was in real estate for I had my own business in real estate for about 15 years. And I think when you go from one type of business to another, but they're both linked to financial, there's a lot of crossover of information that you maintain and or keep. And I think I've always been in the money side of things, because it intrigues me. Real Estate, you're helping people. Transitioned over into the financial services industry. And I say financial services insurance was not the hot topic at that time. It was more helping people with their money, retirement planning, things like that. And interestingly enough, I joined Manulife because they bought or developed a plan, a financial planning plan from California, Financial Profiles. It was called, and it was a dot matrix program. Tim 3:30 Yeah, so floppy disks? Dave 3:30 Well, it was a very slow process, and I to relay a story to that, I remember one time I was doing a plan for somebody, and I said, Oh, I hit the button to say, I want the whole plan. Four hours later, we finally got the plan. I actually went out for dinner and came back and it was still printing. So it shows you how things have changed, from a technology point of view. And, you know, it's interesting when you look at these things and how financial planning has become a hot topic. Before people, oh, yeah, financial planning. And there was all sorts of people that said they were financial planners. You don't want to become a product peddler, shall we say, but you want to become a financial planner, where you're looking at analyzing and helping people get reach their goals. And what financial planning does is it forces you to look at the things you want to do, where you are in life, what direction you want to go, family, everything else, and then you plan accordingly. Tim 04:23 What's one or two of the most meaningful transformations you've seen families that you've helped make. Dave 04:30 Most of my clients have been with me for over 25 years. And interestingly enough, when you look at where they started from and where they are now, and I'm not the magic guy, it's just that when you have the information, you can make the right decisions, or hopefully in guidance. And that's all you know, a financial planner isn't guide, shall we say, guide of going through life. And you, you provide people with information, and then they can discuss those options and choices that you they have to do or and help them along the way. Sometimes it's just a couple, then it becomes a couple and some children, and goes from there. And yeah, some of the couples I started with that had children, the children are now clients of mine too. So yeah, it's an ongoing, it's an ongoing business. And I like that, because I think, and that's the teacher in me, because I taught a couple of years. So yeah. Tim 05:20 You know your client set is really interesting, because you've been with some of them from the very beginning all the way through to the very end and you know, for us, and we've been clients of yours for years after we were introduced by a good friend, and you spend your days, you have the focus to spend your days looking at what options are out there, what movements are out there? What needs to be done keeping an eye on that aspect of my and my wife's life, you're calling me and saying, Hey, this is happening. This is going on. We need to move something around, or we need to plan for something in the future. And so you're able to devote your time to keeping an eye on things for people where they may not have the time or the expertise to keep that that attention as high as it needs to be. My clients, even this week, when they're facing challenges of leadership and team, they may never have dealt with that challenge before. They're not an expert at getting out of that issue. I deal with it 30 times a year, and so I specialize in some of the issues that they call me in for If your faucet is leaking, you call a plumber, right? You don't call the local baker or something. That's what I notice for sure. Do you think captures it? Dave 06:32 As a planner, I'm not a chartered accountant, I'm not a lawyer, but I think the people that are in need of financial advice are the business owners, the self employed and people that have family situations and that getting the right advice is so important when you're planning for your future. And I think that's the problem. Is most people don't think far enough ahead. They think ahead, but they don't they think about next year, but they don't think about five years, ten years, and where am I going to be and making a big financial plan when you're 30 years old. I stopped doing the big, complex financial plans because there's too many changes between age 40 and 60 in retirement years or 30 and and 50. And you can do a plan, but it doesn't have to be a complex plan. Yeah, and I think that's the key is you gotta, you just gotta have a direction and understand things, understand terminology. What's an RSP, what's a RIF? These are things that we I think every business has their own acronyms. What's your GDS ratio? People say GDS, well, gross debt service ratio, and then that's how they qualify you for a mortgage. Every industry has these little short forms in that, like here, in ours, we have the riff, we have the list, and people look at you, and you got to be careful, as an advisor, not to utilize these term, this terminology, without explaining what it is, because if you say it and they don't understand it, they're not listening from there on. Tim 08:00 So that's that brings us to a really interesting point, because, you know, again, I consider you one of my close friends now at this point. And for those of you that can't pick this up in Dave's voice, because you sound spry and youthful, and you are, you know, you're the same age as my dad. You'll have a big birthday coming up this year, right? And when we talk on the phone or whatever, to me, age is irrelevant. It's trust and respect and mutual interest in the other person's well being and all of those things that kind of come into play. And a big part of that for us, Dave has been that you come to the house when we need to be thinking a certain way. You keep us on a plan and on a track, and you help us see things differently. You help us consider all of our options. You put everything on the table. And you do this in such a personal way, because one of your one of your habits, is to always be doing this in really close proximity. It's not something that's kept at a distance. It's very intimate. And we're having coffee and we're sitting around the table, and it's… Dave 09:08 Tim, I'll interrupt you there. That's why I come to your house for a free cup of coffee. There you go. Tim 09:12 There you go. Free cup of coffee. Oh, I hope our coffee is all right. But when you think about that, and you think about the value that you can bring to somebody by having them get out of their bubble and thinking long term, right? That's one of the biggest benefits that you've given us, is allowing us to take a much longer view. And in the middle of COVID, when things are a little bit hot, rational outside perspective, focus on the larger picture here. Don't get too bent about the little moves. What kind of problems in the world or with families are associated with that thinking too close, thinking too much in the short term. Dave 09:50 I'll give you a good example, in the tech bubble. When it was back in the 2000s, that tech bubble we talk about it, tech stocks were just i. Everybody wanted to be in tech. And I had, I think I might have, might have told you this before, I had a client who was a GIC client, and we finally got him involved in some insurance company segregated funds, which are like mutual funds, because of the guarantees that they provide. That was a big step for him. And I always remember he was there for years, and when the tech market was going crazy, he says, oh, we were making like 16% in on our on his investments, and he wanted to move because his neighbor next door was in tech, and he was making 24% so he moved all his money into tech. I didn't do it. I said, I think you're crazy. And as we know, the tech market went from $1 to 20 cents, in some cases, some of those stocks, and it was a short term thinking, talking about long term, short term. One thing if people can remember, the one thing if they can remember, is the rule of 72 and the rule of 72 is, if you take 72 divided by the interest rate that you earn on your investment, that's how long it takes your money to double. So if I get 10% as an example, it's going to double in 7.2 years. Yeah, if I get 5% Oh, guess what? Now it's double the time. If I get 2% I get, Oh, here you go, the banks give me 2% of my on my savings account. It's going to take your money 30 plus years to double at 2% and we're only talking a difference of, Oh, I get 7% that's 10 years. I'm going to use 8% as an example. So every nine years, my money doubles. So if I put in $10,000.09 years later, and I get 9% I get nine years, my might becomes $28,000, it's the next nine years with 20 becomes 40, and then 80, it's a doubling of the doubling. And I think that's what people forget, is it's, that's the long term thinking. And if you can, you don't need 50% returns. You don't need 40% because now you gotta add in the one thing that really affects everything is the risk factor. Yeah, okay, I got a picture in my office, and it's actually, I think it's down Pebble Beach. It's the one where they shoot the golf ball the holes across the ocean. There Was You gotta get it across, and the bottom of it is risk. I'm looking at it now, and you look at these things, you think, oh, yeah, because people don't sometimes look at the risk side. I'm not saying people don't make more money in short term, but don't put all your money. Tim 12:34 I think there's a crossover there to life, and that is in terms of Jen and I, when it comes to either finances or what we do more broadly, in the things we choose to engage in, you want to have things in your life that are very solid, that are foundational, that give you that low or or controlled risk environment, so that you have bandwidth to take some risks in other areas of your life. So you know, when it comes to investment, I have a portion of my portfolio that is in startup companies and things which are a little higher risk, but the stability of my long term investments gives me the ability to play over in those spaces without feeling overly exposed, right? It gives me a little bit of freedom. And it's the same thing that financial stability that we've created with you, allows me to take the risks that are associated with being an entrepreneur and being a business owner and investing in my business and making plays in my business, which other people might find very scary that don't want to take those risks, and so balancing that kind of net risk is part of that control part of our life that allows us to then be free and creative over in other parts of our life where we need to be free and creative. Dave 13:59 Yeah, I think you have to ask yourself, Where did you go through life? You got to say, okay, is my investment an investment, or is my investment a gamble? And when it becomes a gamble, the risk factor goes up considerably. We all do this, but you don't do it with 100% or 80%, 50% of your money. You want to play the game. As I always tell people, you want to play the stock market. You take some money and go play it. It becomes a gamble when you're taking I gotta double my money overnight. I'm gonna bet this one horse, and he's gonna. It's a hot tip. Tim 14:31 Just this past week, I used the phrase again when I was doing some career work with an executive. We were talking about getting stuck in waiting for someone else to promote you, hoping that somebody notices you. That, to me, is a gamble, right? That you're hoping that other people are going to do something in the same way, that if you're not enjoying your job and you jump and you don't know what you're moving into, or you're not leaving with a feeling of success from wherever you jumped off. You're playing the career lottery, and longer term thinking says we have to slow some things down. We have to really analyze what all of the inputs are and then make the best possible strategic moves to lower the risk overall. It doesn't mean you can't do exciting things. It doesn't mean you can't take risks, but you do it with as much data and as much controlled risk as possible, I think there's great lessons that transfer over to how we think about the game of money and investment and financial literacy and all of those things, when we start to apply those same lessons to our life. Dave 15:37 Yeah, and I think there's been a lot of stuff written books and that on people that win the lotteries, yeah, and you look at it and you say, a lot of those people don't have the money in five years. They win big money, and they don't do the planning. They don't, a million dollars. You can't retire on a million dollars. As a kid, I used to watch the program The Millionaire on TV, and a million dollars, back 40 years ago, was a lot of money. I had a client that they inherited $900,000 and of course, one year, if you can believe it, they spent $100,000 in travel costs. They started to listen to me because I said, Well, you're just going to burn it up because you can't expect to double your money replace that type of usage in one year. Hey, you want to have a travel budget, that's fine, but stick to the budget. I mean, I always like to tell people you want to, we like cruising. And you know, when you do it, they got six month cruises. Those cruises are $200,000 people buy those tickets, but those are people that have a lot more. And 200,000 is probably like 20,000 for the average person. They use that money because they're going to, obviously, they're going to be out traveling around, doing spending, and they're not just spending 200,000 on the cruise those cruise ships sell out. But I look at cost of living things like that, we're going to go through this with the tariffs and everything. I think this is going to cause a great wake up call for a lot of people. Yeah, they're going to have to start looking at the deals that are out there. You know, are you going to go out and buy oranges if they're going to cost you 10 bucks a pound or whatever? I don't think so. So these are things that people have to start looking at. Investing money. I'm going to say, Well, okay, don't tell me. I'm going in for lower risk. I'm going to invest in my GIC. Well, that's a risk. Yeah, right away. It's a risk because the risk is you're going to run out of money, yeah, because you can't survive on a 2% rate of return when inflation is three. And you can't survive if you're 40 years old. Putting into GICs, the key, I think, to any investing is diversification, and diversification simply means that I got my money all over the world. You've got a whole blend. Don't get into the risky diversifications. Tim 17:53 Yes, I think it's a great segue into thinking about the real risk of decisions. And again, this is one perspective I'd love to ask you about right now. One thing that we know is happening is perhaps people invested and are able to retire right now. And so you and I had lots of talks around retire at 60 or retire at 65 and we're seeing lots of strong data now coming out about the increased dementia risk when people are bored and when they're not active and feeling useful, even having suitable amounts of stress, and definitely a notion of having purpose and a community and people that hang around is really important. And taking that decision that this is when people retire, decision, this is what we should do. This is what society says we, when we should put ourselves out to pasture. That's never been your game. For the people that are out there listening. Drop that knowledge on them. Drop what you told me about the thought of staying sharp, challenging yourself to help other people. Dave 18:59 I think working and keeping I'm not saying it's going to prevent dementia, but it forces you to remember things. It forces you to be active, forces you to interact. And I think the highest risk retirees, if you can believe it, are the police and firemen. Because they have a high, high stress job, they retire, and they sit retire, and they sit at home, watch TV and bang, and the mind goes, I'll be working on the day I die, as I said, and I don't mind that, because you feel you're interacting, you're you're alive. Let's put it this way, you see at Home Depot, you see all these people that are retired and they're working there. When you take an Uber, I like taking an Uber because you're talking to people that are, yeah, they're working and everything you're getting life stories from these people, yeah, really interesting to hear the life stories of different people. Tim 19:49 Any year I have clients, probably three to five a year are people that are on to second careers. They're 60-65 or older. They've retired. And it's hasn't worked for them. They're starting businesses. They're entering into consulting. Often the story is that they finished working when they were told they should finish working, when they were prepared to finish working, and they're bored. My clients are primarily very driven people. They're leaders of organizations. They're people that are not satisfied with kind of mailing it in and taking it as it comes. And you're not going to suddenly become somebody who is going to be satisfied with a boring existence or a purposeless existence after you retire. And so pay attention to who you are now, there are things that people misidentify as, stuff that'll never change when it actually can change, and there's things that people think will change when it actually won't change, for instance, your personality or your drive, and in some way, shape or form, you're not going to suddenly change who you are, right? Some of those things are pretty baked in. We've come quite a ways here. We've talked about the lessons that we can capture from long term thinking. We have talked about how important it is to think this way, Assuredly when it comes to our wealth and when it comes to life and planning and family, what do you want people to challenge themselves to do? After listening to this. Dave 21:25 You got a plan around what they have. What is your lifestyle? What is your family situation? Do you have kids? Do you care about your grandkids? Are these factors so we put away 150 bucks a month for the grandkids when they hit age 60 or 65 there's a half a million dollars in access to cash flow. And you know, there's different things, you know, you say, oh, inflation, Oh, that's too much money. Tim 21:49 150, bucks a month is too much. Dave 21:50 It's not too much more than 10 bucks or a cup of coffee every day. It's 300 bucks a month, right there. If you don't do that, how much you're going to have when the kids hit 65 you can save money, and if you're willing to adapt, I'm not going to buy steak every day. Well, I'll buy it if it's on sale once in a while, but I don't think everybody should have steak every day anyway, so it's not good for your body. Tim 22:14 So you help people plan from a financial perspective. I help them plan from a career perspective. I think it's always hilarious that when I ask somebody they've spent more time planning one vacation or buying one car than they've ever put into where are they going in this life, making decisions, looking at what we're starting with, and mobilizing the assets we've got and the choices we can make towards the future that we want to have. Dave 22:44 You're a good example, Tim, you were a chef. You did things and you changed. You've changed careers, and you were good, but then you say, Do I want to do this for the rest of my life? And you made a change, and I made a change. I taught for a couple of years, and I made a change. If people look ahead and say, Okay, I gotta, I gotta change, make a change in my direction, because otherwise, if I keep going this way, I'm going to fall off the cliff. Tim 23:08 Yeah, yeah. Or somebody else can decide when I fall off the cliff. Dave 23:12 Well, as I've said to you, and other people say, I'll live to, I want to live to 125 because I want to see them, uh, grow up. But, yeah, that's not going to happen. But it's think that way. Maybe it does. Tim 23:22 Yeah, and some people start with more privilege than others, or better situations than others. But wherever you're starting, having a plan and being intentional versus leaving it up to chance, you'll do better off regardless of your starting position. We do this little game here where we play a hopscotch game between guests. In a previous episode, we had Jared Vandermeer, who was a social media expert, join us, and he lobbed a question, which we're going to play for you now that I'd like you to respond to. Jared 23:52 Let's talk screen time. I challenge you to look at your screen time on your phone, if you're comfortable, share your screen time with the audience and then let us know what you're doing to manage it, if anything, at this current time. Dave 24:05 I, first of all, I probably don't know my screen time because I use my phone what's changed, and I'm not making excuses. This is, this is my diary, you might say, and everything in it, because I… Tim 24:17 Yeah, same thing. It's our office on our hip. Dave 24:21 It's a tool. Yeah, it's not. Now, I would probably say, I we talk screen time. I'd like to say, Okay, let's What's your screen time in front of that TV? Yes, to me, it's true screen time. And yeah, I say there's people that spend hours, an hour in front of a TV and watching, what do they watch? Nothing. Oh, I'm going to watch the news, their news crazy or whatever. And I watch TV, but what I really enjoy is, if you can learn, even my grandkids like sitting there watching a cartoon is one thing. Sitting there and watching a program that is a learning, use it as a learning tool. The Smithsonian on TV is free use now, and the history and things like, that's what. To learn. That's good screen time. Yeah, okay, that's like reading it. That's a video book, almost, because you're seeing history and actual photos and things like that. That's good screen time watching some movie. I know people that they're movie buffs, and they go, that's all they watch. And I think you gotta differentiate. There's nothing wrong with screen time, we see it now how it's come into the educational system. The kids can watch it, but it's not watching cartoons. It's a learning tool. Tim 25:29 Is there quality screen time versus something that's keeping you from investing that time in better ways? We should be a little more discerning when we say screen time to are there things that can help us grow? So I love that answer, Dave. Dave 25:46 Yeah, I think it's the old adage, like a picture's worth 1000 words. You get good screen time. You've got 10,000 words, and the memory of a picture is a lot greater than the memory reading from a book. I'm not saying you don't remember. It's just that the picture is there and you can visualize, and if you can visualize something down the road in 10 years, five years. I mean, I can, like I said to you earlier, I remember that movie The Millionaire, and I can, you can almost picture some of the old TV. And I can't remember the guy's name or what. But the thing is, it imprints, is there, but the book isn't the same as a picture as that picture. This is why this has become a lot more usable. Problem is they've let the use of this not why they ban it in schools. Is because the kids are saying, well, I'm texting out Sally over there in the other side of the room, and we're going back and forth and things like that. That's not the intended use. Whereas, if they said go into Google this and Google dinosaurs, will say, you know, if you see, you know, a video on dinosaurs and how they lived and things like that, it sinks in. It's an impression that kids suddenly say, Oh yeah, I see that pterodactyl. And now I know what the pterodactyl is. My kids, my grandkids, when they you know, we go to the drunk Heller, and they know the names of the dinosaurs, and they're six years old, for crying out love, if you can bring that type of screen time in early ages, it really helps them down the road in terms of reading and things like that. Tim 27:17 In the 15th century, intellectuals and religious leaders were fearful that, because of the printing press, books would overload the population with information and ideas. And there was a scientist called Conrad Gessner. He lived around 1550 in there. He warned that the flood of information was going to be confusing and harmful coming from books that most people couldn't handle it. And we have to think of the quality of information that are pulling in the intended use. And so we have to, you know, get really chunky on what's the what is the good use of this tool, this new technology, and what is the harmful use, and don't confuse and conflate the two. And make sure that we're being pretty honest when we consider these things. Dave 28:08 Am I going to read a book about dinosaurs, or am I going to show pictures of dinosaurs and talk about it, okay? And this is one thing people should think about. Talk about visualization. One sugar cube is roughly four grams. The number of sugar cubes on different things. The highest one was the Tim Hortons candy cane hot chocolate. Tim 28:28 Yeah, how many sugar cubes? Dave 28:31 16 Tim 28:31 16? Dave 28:32 In one cup. Tim 28:33 Yeah, so that’s… Dave 28:33 64. Tim 28:33 64 grams… that’s a quarter of a cup. So you don't, are you gonna put a, would you sit down with a spoon or a straw and drink a quarter cup of sugar? Probably not. Dave 28:46 But, and so when I look at when I look at when I go, if I go shopping, and I look at the gram, because being diabetic, you gotta see how much is the sugar. I mean, I can visualize when I say what it says, 16 grams of sugar. I say, hold it. Like one cookie is 16 grams of sugar. It's like a muffin is 30 grams of sugar. You say, What is 30 grams? I can tell you what 30 grams is, it's seven and a half sugar cubes. I say, Oh, crap, I can't eat that. Tim 29:11 You’re gonna be a lot better off translate Dave 29:13 Things that sort of, you can remember so to speak. Tim 29:16 Yeah, yeah. We used to say speak in people's currency, because working with, if I'm working with one of my very first regional management jobs with was with a large scale food manufacturer, and I would be talking about waste, and if you're talking in dollars and cents, that didn't mean a lot to people on the line. But if I said we're throwing out the equivalent of two dump trucks full of dough every week. That's what we're after. That's what we're chasing. And that meant something to them, because they could visualize a dump truck full of dough. Okay, Dave, last question, what would be something in life that you would be one business that you would be just curious about asking a stranger, that you could get some out of the box thinking with something you're interested in related to life or work or whatnot. What would you ask somebody? What would be a question that would be on your mind? Dave 30:14 What are your goals in life here that you want to achieve? Because that determines what road you go down, that's your road map. What is your goal in life? What's the most important thing in life that you feel is something you would want to do? You got to be able to visualize things that comes to planning and everything else you know. And if you can do that, if you apply that same concept in your life and financial and everything else, if you know what the goal is, the quality falls into place, that’s the philosophy of life. Tim 30:43 Well thanks very much for spending this time with me, Dave. Thank you so much for listening to Sweet on Leadership. If you found today's podcast valuable, consider visiting our website and signing up for the companion newsletter. You can find the link in the show notes. If, like us, you think it's important to bring new ideas and skills into the practice of leadership, please give us a positive rating and review on Apple podcasts. This helps us spread the word to other committed leaders, and you can spread the word too by sharing this with your friends, teams and colleagues. Thanks again for listening, and be sure to tune in two weeks time for another episode of Sweet on Leadership. In the meantime, I'm your host. Tim Sweet, encouraging you to keep on leading. Comments are closed.
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