April 15, 2026
Sum Day is Today
"Someday" is the heaviest word in a caregiver’s vocabulary.
We tell ourselves we’ll look at the guardianship papers someday. We’ll finalize the budget someday. We’ll address the long-term legacy someday. But when your calendar is a constant cycle of appointments and advocacy, "someday" becomes a trap—a way to manage the overwhelm while the weight of the unfinished business continues to grow.
In this episode, we are changing the narrative. We’re moving from the pressure of "someday" to the peace of Sum Day is Today.
Drawing on over 20 years of experience in financial services and the personal reality of navigating a blended family with complex needs, I’m breaking down why organizing your financial house is the highest form of advocacy you can provide for your loved ones. This isn’t about being a financial expert; it’s about moving from survival mode into a mindset of stewardship.
In this episode, we discuss:
• The Weight of "Later": Why "someday" is a trap for caregivers and how to shift toward immediate action.
• The Stewardship Mindset: Redefining financial planning as a tool for advocacy and the "Continuum of Care."
• The One-Person Production Team: Acknowledging the sensory burnout of caregiving and how to do the right things, not everything.
Join the "Sum Day is Today" Event by registerinmg here
https://www.eventbrite.com/e/1986788404601?aff=oddtdtcreator
https://www.eventbrite.com/e/1986789346418?aff=oddtdtcreator
SUPPORT THE SHOW & EXPERIENCE UNIVERSAL DESIGN
We are proud to partner with BILLY Footwear, a brand that truly embodies the spirit of Beyond the Spectrum. After a spinal cord injury, co-founder Billy Price set out to create shoes that were stylish, high-quality, and—most importantly—accessible to everyone.
Get 10% OFF your purchase at checkout here: https://billyfootwear.com/?ref=beyond-the-spectrum
We are proud to partner with Soul Grain (https://soul-grain.com/) a revolutionary food brand & makers of delicious granola with wonderful unique flavors like sweet potato casserole, ( which is seasonal & comes in a version called Purple Grain as a tribute to music legend Prince, who like Souyl Grain, was born in Minneapolis), coco mango, banana pudding, & more! There are no artificial ingredients & each flavor features an actual playlist! Us the promo code BTS10 to get 10% off your final purchase.
JOIN THE DEN: MEN’S SUPPORT GROUP
A dedicated space for men to find community, share experiences, and navigate the journey of life on the spectrum together.
Register for our next meeting here: https://sites.google.com/view/welcometotheden/home
WEBVTT
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[SPEAKER_00]: Hello and welcome to another episode of Beyond the Spectrum every age every need.
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[SPEAKER_00]: I am Sean Francis and I'm your host.
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[SPEAKER_00]: Today it's just me and this is going to be a little shorter than usual.
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[SPEAKER_00]: I am going to be talking about not just our upcoming event, notice some day is today, but a little bit about what that movement and initiative is all about.
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[SPEAKER_00]: And to share how it all came to be, I'm not sure if most people are aware of how I got into financial services to begin with.
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[SPEAKER_00]: As you know, that is primarily, that is my primary work.
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[SPEAKER_00]: And I am committed and dedicated to building a bridge between the special needs and care given community and financial literacy service education and opportunity.
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[SPEAKER_00]: So we will jump right into it in just a minute.
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[SPEAKER_00]: All right, let's get right into it.
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[SPEAKER_00]: Let's see, before we get started, I want to thank our community partners, Billy Footwear, who are the makers of fine adaptive footwear for all.
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[SPEAKER_00]: The story of the founder, Billy Price, is one of amazing courage and inspiration.
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[SPEAKER_00]: Billy was paralyzed his first week of college and as a result of a,
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[SPEAKER_00]: catastrophic accident had to learn how to do everything for himself all over again, and he did so with the exception of putting shoes on his feet.
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[SPEAKER_00]: A prototype was made in Billyford, where it was born, and they sold over a million pair of shoes, and have touched just as many, if not more, lives.
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[SPEAKER_00]: If you click on the link in the show notes, you will get 10% off your final purchase at Billyfootware.com.
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[SPEAKER_00]: You also want to welcome our new community partners, soul, grain.
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[SPEAKER_00]: We had the founders,
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[SPEAKER_00]: Lisa Maya and Sylvia Williams on our last episode.
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[SPEAKER_00]: We get a great conversation with them.
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[SPEAKER_00]: So great is a brand of granola, but it's not just a brand of granola.
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[SPEAKER_00]: It's a healthy food that has
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[SPEAKER_00]: fantastic ingredients and great flavors, and my first order is actually on its way.
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[SPEAKER_00]: Click on the link in the show knows you will get 10% off your final purchase with them as well.
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[SPEAKER_00]: And as you know, caregivers, you know, we talk about making sure that you put your mask on first when you're on a plane, so that you can help those around you from a place of strength, you know, a drowning man can't help anybody else if he doesn't know how to swim.
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[SPEAKER_00]: the same thing applies here in terms of us having nourishment and good ingredients inside us in terms of food that we consume is caregiver.
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[SPEAKER_00]: So go ahead and check click on the the show notes to get your discount at Seoul Gray.
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[SPEAKER_00]: So we've hosted myself in Brian Altunian who hosted co-hosted previous podcast just to dad and working in financial services.
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[SPEAKER_00]: We've held several events
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[SPEAKER_00]: that have been designed to build and bring financial literacy to families and that of those events are entitled Sunday is today for those that are not aware.
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[SPEAKER_00]: I am a financial professional.
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[SPEAKER_00]: I have almost 20 years of experience this September will make it 20 years and it's interesting enough.
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[SPEAKER_00]: My son Elijah will be 20 next month and he was diagnosed with autism at the age of three.
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[SPEAKER_00]: And when I got into financial services, it wasn't something that I was looking for.
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[SPEAKER_00]: I, quite frankly, am originally from the US Virgin Islands from St. Thomas, I didn't go to college.
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[SPEAKER_00]: I went through a variety of jobs.
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[SPEAKER_00]: And, you know, in terms of just finding myself, what I wanted to share some of how I got to where I am, and then share the event and give you the opportunity to register for it.
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[SPEAKER_00]: I, as I mentioned, came from the Virgin Islands in the Caribbean, education is a very big deal.
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[SPEAKER_00]: And so I, when I struggled academically, there was this
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[SPEAKER_00]: problem, this conflict, trying to figure out exactly what was wrong with me as a child.
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[SPEAKER_00]: And more important, not what was wrong with me from my parents' step one, I think it was just trying to figure how can we best help and support our child to thrive and be independent.
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[SPEAKER_00]: And when I look back on it, I must have been just a great as worry because while I could hold conversation intelligently and everything, I never did well academically.
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[SPEAKER_00]: I shouldn't say never rarely.
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[SPEAKER_00]: So much so that when I did, it would even frustrate my dad because he would say you could do this all the time
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[SPEAKER_00]: And as far as I knew, I really was trying.
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[SPEAKER_00]: Well, anyway, fast forward a bit of finish high school.
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[SPEAKER_00]: I attend college at, you know, in the version islands for, I think like maybe two classes, that's about it.
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[SPEAKER_00]: I go to a trade school in Minneapolis for a radio and television broadcasting.
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[SPEAKER_00]: I kind of go through that because my original goal was to be an entertainment.
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[SPEAKER_00]: If I could, I should have something to kind of fall back on.
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[SPEAKER_00]: So I did that.
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[SPEAKER_00]: I like the idea of writing and creating, but nothing ever really clicked.
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[SPEAKER_00]: And fast forward, my wife and I meet, she has two daughters from her previous marriage.
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[SPEAKER_00]: And she made a comment once about how important it is for one parent to be able to stay home.
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[SPEAKER_00]: And I thought, that's a great idea that they could make sense.
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[SPEAKER_00]: But that was about it.
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[SPEAKER_00]: And I was working in a corporate environment.
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[SPEAKER_00]: I was working for a company by the name of Countrywide, home laws.
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[SPEAKER_00]: They were the largest mortgage lender in the nation at the time.
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[SPEAKER_00]: This is 2005, this is when we got married.
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[SPEAKER_00]: And when our son Elijah came along in 2006, the state of California allows you to take a paid family leave as they father.
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[SPEAKER_00]: This gives you, I think, it's within the first,
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[SPEAKER_00]: months of the child's life, you have a certain amount of weeks to take time off and bond with their child and still be paid.
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[SPEAKER_00]: And my wife had already returned to work for maternity leave.
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[SPEAKER_00]: So I did that and I had my resume on the open market as well as within the countrywide, because I was looking for something where I could, I was kind of topped out to begin in the
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[SPEAKER_00]: control my time and really wanted to make more money more than anything else, but when Elijah was born, it was also about time because I started to try and wrap my head around the idea of him being with someone that we didn't know, my mom and step-to-step were working at the time, so we didn't have a family member that we could leave him with.
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[SPEAKER_00]: And so I found
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[SPEAKER_00]: That was something I was thinking about because numbers board me, but the idea of helping people in making an impact in someone's life really excited me.
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[SPEAKER_00]: And I learned that the industry generally works as follows.
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[SPEAKER_00]: As an agent or an advisor, you have quotas that you have to meet.
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[SPEAKER_00]: You work usually for a captive entity where it's just a company, one company.
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[SPEAKER_00]: and you usually have minimums that clients have to have in order for you to work with them, and you usually focus on what is called assets under management.
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[SPEAKER_00]: So in other words, what can you get from them to invest?
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[SPEAKER_00]: Charge a fee and make money whether they make a lot lose some or lose all.
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[SPEAKER_00]: And I wasn't crazy about that.
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[SPEAKER_00]: I didn't realize that there was
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[SPEAKER_00]: I didn't realize that the industry worked that way and I didn't realize that there was anything that was the antithesis to that, which would be a polar opposite.
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[SPEAKER_00]: So I found an opportunity where I got to work with multiple providers and I didn't just focus on assets and management.
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[SPEAKER_00]: I could do that, but then look at life insurance, short-and-long
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[SPEAKER_00]: And shortly after Elijah was diagnosed, I thought, if families with neurotypical children need to know how to plan for their future at a time when parents exist only in memory and know how to put their money to work for them as opposed to just the other way around, then it's probably twice as important in our community for those of us who are caregivers and have children, the special needs.
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[SPEAKER_00]: The problem is this, I am someone who for the majority of my life is really care of what other people think about me.
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[SPEAKER_00]: I just really wanted to be liked.
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[SPEAKER_00]: And I think that stems from being in a situation where not only that I did not get good grades, but I was always my attention was always elsewhere when it was in a classroom.
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[SPEAKER_00]: So very often, as teachers do, when they realize that you're not paying attention, they will say, Mr. Francis, what is the capital of so-and-so?
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[SPEAKER_00]: Or what is such and such an answer that was just given?
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[SPEAKER_00]: Will that have left with two choices?
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[SPEAKER_00]: Either to guess,
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[SPEAKER_00]: or be honest and say that I don't know, and if I guess in the answer is right, great.
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[SPEAKER_00]: But if I don't know and I give the wrong answer or said I don't know, then what everyone will do as children do is they laugh and those things affected me more than I realize over a period of time.
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[SPEAKER_00]: And I've come to realize this just recently as I shared my own diagnosis recently of ADHD.
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[SPEAKER_00]: And so what happened is nothing ever affected me to a point where I held my head in shame on any constant basis, especially once I became an adult.
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[SPEAKER_00]: But because I held my head high and I was confident, generally speaking, it made it more difficult to identify the areas in which I was not confident.
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[SPEAKER_00]: And so I was in a new industry.
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[SPEAKER_00]: My son had a diagnosis that was new,
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[SPEAKER_00]: I kind of got over the idea of anybody questioning my intention or not receiving me well from a sales standpoint generally speaking with the general public because I saw a value in the things that we did.
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[SPEAKER_00]: I saw a value.
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[SPEAKER_00]: in a family being able to not have to have a girlfriend be when a loved one passes away and then having money left over that is tax-free, having money did they can have access to while that love one is still alive, being able to have income for life if money is put into the right vehicle.
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[SPEAKER_00]: being able to have the right estate plan put in place so that when you pass away, your final wishes are executed to the letter, all those things.
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[SPEAKER_00]: I saw a value in all of that, but within this special needs community, if there's one person that was going to question my integrity or my intention, I just felt like I couldn't deal with that.
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[SPEAKER_00]: So it took some time, but I kind of got over that because I had some success generally speaking, and then my advocacy
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[SPEAKER_00]: So now it's been 19 almost 20 years and what's happened in that time is we've posted several events and we've impacted many lives and I've set on the autism parents advise you board of Children's Hospital of LA as serve it as an ambassador or autism speak and then I was also a 2024 fellow with caring across generations and I've also advocated in very unofficial ways and I think
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[SPEAKER_00]: the way that many of us should is that if we learn something and benefit from it, we should pass that on to others.
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[SPEAKER_00]: I'm a former believer in the words of the great Mahalwana Lee that serves to others is the rent we pay for our rooms here on earth.
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[SPEAKER_00]: And so with that, I've been able to add value as I go along.
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[SPEAKER_00]: And I will continue to do that as I as I learn.
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[SPEAKER_00]: I will never be anybody's expert or guru because I believe that experts or people that know everything and if you don't know if you know everything there's nothing to learn, there's nothing to learn then you're alive but not living and you're limiting what you can add to other people as well because they see you as perfect.
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[SPEAKER_00]: So what's taking place on the 22nd and 23rd is the
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[SPEAKER_00]: latest event with some day is today and somebody said it has generally been a presentation, a financial literacy event and that is what it is, but at the same time it's more.
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[SPEAKER_00]: So as you can see, if you're looking at this on our YouTube channel, as opposed to just listening to it, there's a logo on the screen, usually where you would see our logo for the on the spectrum.
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[SPEAKER_00]: And that was because some day is today is now more beneficial movement and initiative for care givers altogether.
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[SPEAKER_00]: Having the pleasure of doing this podcast and before the predecessor just
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[SPEAKER_00]: reminded of exactly what a caregiver is.
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[SPEAKER_00]: There's a large percentage of the community that doesn't even identify themselves as caregivers.
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[SPEAKER_00]: And that may be because of our cultural background, where we just see ourselves as good family members who are doing what one would do.
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[SPEAKER_00]: You're a dutyful son or daughter that is helping care for an elderly parent.
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[SPEAKER_00]: You're just a parent who's caring for a child.
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[SPEAKER_00]: We're just how I viewed my wife on that.
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[SPEAKER_00]: But the truth of the matter is, anyone for whom you are giving care
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[SPEAKER_00]: You're a caregiver and anyone who lives a remotely long life that the your caregiver or special needs or anything like that sounds foreign to you.
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[SPEAKER_00]: If you're blessed with a remotely long life, you will get membership into our community, whether it's temporary because of an injury of your own or it is because of an ailment or illness or diagnosis for you or a loved one or just your own old age.
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[SPEAKER_00]: anything that matters to the general population matters to those of us in this community ten times more so.
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[SPEAKER_00]: So the other thing that's happened over the years is that you know in the beginning I was really petrified really and I mean definitely afraid of anyone questioning my intentions when it came to trying to serve this community.
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[SPEAKER_00]: But I realize over time that I can't serve people to my fullest capacity if I wonder about what someone might say and I
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[SPEAKER_00]: they believe that their confidence will come from their accolades, sometimes their net worth, which is what they used to measure their self worth.
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[SPEAKER_00]: And the truth of the matter is, what we should be confident about is our intentions.
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[SPEAKER_00]: If our intentions are the best place.
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[SPEAKER_00]: Now, it's also been said that the road to hell is paved with good intentions.
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[SPEAKER_00]: So it's not enough just to have good intentions.
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[SPEAKER_00]: Have good intentions and continue to grow.
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[SPEAKER_00]: so that you're not stuck on just what you know.
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[SPEAKER_00]: And I know that my intention is in the right place, so I've completely gotten over that and I've been able to see exactly how families are helped.
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[SPEAKER_00]: But as opposed to having someday today just be an event, the intention is for it to be a movement to better the lives of those in the special needs and caregiving community.
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[SPEAKER_00]: And when it comes to the event itself, even from the financial piece, what we're going to be talking about is
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[SPEAKER_00]: Looking at the way we see ourselves and our relationship with money, you know, most of us operate from experience and we are not our accolades.
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[SPEAKER_00]: We're not our net worth.
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[SPEAKER_00]: We're not their experiences that we've had.
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[SPEAKER_00]: What we are are quite frankly, and I'm not trying to get too deep or heavy here, but we're more than who we are in flesh.
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[SPEAKER_00]: We are souls.
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[SPEAKER_00]: We are more than anything that we are here physically
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[SPEAKER_00]: the time here is very limited.
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[SPEAKER_00]: So we want to maximize that.
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[SPEAKER_00]: I'm sure everybody feels that way.
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[SPEAKER_00]: But when it comes to putting the best plan in place to make sure that our future is taken care of and that we leave our loved ones and legacy as opposed to our liability, that's something that most of us figure that will get to some day, some day.
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[SPEAKER_00]: But especially for us, why shouldn't some day be today?
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[SPEAKER_00]: Right, so we're going to talk about maybe the way some of us see ourselves on how we think and trying to improve that and then also the way that we look at and view money.
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[SPEAKER_00]: and I can be a very difficult thing to talk about for most people, and part of it is because most of us tire net worth to our self-worth.
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[SPEAKER_00]: And for some people, it means that if they're making a lot of money, it means that they see so much in themselves and they're so tied to that.
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[SPEAKER_00]: For those that aren't making a lot, they feel little or less than because they're risen enough of it.
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[SPEAKER_00]: So we'll address that, but the other thing that we'll look at is life insurance.
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[SPEAKER_00]: and separate that from the truth.
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[SPEAKER_00]: There are so many myths around it.
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[SPEAKER_00]: Life insurance is as misunderstood as it is important and vital.
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[SPEAKER_00]: And we're going to cut through a lot of the untruths that are out there about that.
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[SPEAKER_00]: There's a whole lot of that on social media.
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[SPEAKER_00]: We're going to talk about short and long-term savings.
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[SPEAKER_00]: Is your money put someplace where it can outpace inflation?
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[SPEAKER_00]: Is it put someplace where
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[SPEAKER_00]: you minimize what you're having to give up on taxes.
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[SPEAKER_00]: You know, this place is where you can actually put money where it gets a decent rate of return outpaces in place and then you don't have to pay taxes on that money that you take and the growth as well.
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[SPEAKER_00]: There's also options where you can put many where you can actually literally get income for life for the rest of your life, literally.
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[SPEAKER_00]: There are also vehicles out there that can serve for business solutions.
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[SPEAKER_00]: If you have a business, especially if you have a business and you're a caregiver, you have an exit strategy, you have a business, or does that business have you?
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[SPEAKER_00]: What is the plan to leave that business and get to a point where you may work only because you want to, but not because you have to.
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[SPEAKER_00]: all of those things.
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[SPEAKER_00]: And then what does it mean when it comes to protecting benefits generally speaking?
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[SPEAKER_00]: You know, most of the programs that are in place for us from an income standpoint, a monetary standpoint, as caregivers, they encourage us in quite frankly, scare most of us into thinking very small and limited, because if you have over a certain amount, then you lose those benefits.
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[SPEAKER_00]: Well, there are places those
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[SPEAKER_00]: put so that you grow it and you still retain those benefits.
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[SPEAKER_00]: Okay, and then the other thing that takes place is for those that have Medicare.
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[SPEAKER_00]: If you have too many assets depending on the year and whether you're single or married, you might find yourself in a situation where you have to spend down in order to qualify for Medicare if you don't have enough money save for retirement.
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[SPEAKER_00]: scared the mess out of you because you think I need to get rid of some of what I have.
19:43.901 --> 19:56.838
[SPEAKER_00]: If it's done right, there are places where those funds can be reallocated as opposed to anything else, where the benefits can still be protected and held onto.
19:57.278 --> 20:04.167
[SPEAKER_00]: So we're going to be talking about those things and a whole lot more, and we just want to take advantage of the opportunity to try and, you know,
20:04.568 --> 20:06.854
[SPEAKER_00]: improve people's lives and our way of thinking.
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[SPEAKER_00]: And that's what the event will be.
20:08.638 --> 20:14.112
[SPEAKER_00]: And if you look in the show notes, the link will be there for you to register as well.
20:14.513 --> 20:20.248
[SPEAKER_00]: It's free of charge is going to be one event for the east coast and then one for the west coast.
20:20.785 --> 20:28.396
[SPEAKER_00]: I hope to see you there and that you'll hopefully join us as we go forth as we build this community known as Someday is today.
20:28.877 --> 20:33.304
[SPEAKER_00]: And again, thank you to our partners, SoulGrain and Billy Footwear.
20:33.724 --> 20:39.433
[SPEAKER_00]: Check out my links in the show notes so that you can get the discount at your final purchase.
20:39.813 --> 20:45.021
[SPEAKER_00]: And then for those of you that are men or you know someone who is a
20:45.541 --> 20:49.772
[SPEAKER_00]: mail a dad and or caregiver to someone with a disability or special needs.
20:49.812 --> 20:57.210
[SPEAKER_00]: We encourage you to join us far by weekly men's group note as the din that is free of charge and the link will also be in the show notes as well.
20:57.731 --> 20:58.774
[SPEAKER_00]: Thank you so very much.
00:01.955 --> 00:05.841
[SPEAKER_00]: Hello and welcome to another episode of Beyond the Spectrum every age every need.
00:06.541 --> 00:08.044
[SPEAKER_00]: I am Sean Francis and I'm your host.
00:08.404 --> 00:11.649
[SPEAKER_00]: Today it's just me and this is going to be a little shorter than usual.
00:12.069 --> 00:22.444
[SPEAKER_00]: I am going to be talking about not just our upcoming event, notice some day is today, but a little bit about what that movement and initiative is all about.
00:22.424 --> 00:30.434
[SPEAKER_00]: And to share how it all came to be, I'm not sure if most people are aware of how I got into financial services to begin with.
00:30.494 --> 00:33.898
[SPEAKER_00]: As you know, that is primarily, that is my primary work.
00:34.579 --> 00:43.510
[SPEAKER_00]: And I am committed and dedicated to building a bridge between the special needs and care given community and financial literacy service education and opportunity.
00:43.590 --> 00:46.373
[SPEAKER_00]: So we will jump right into it in just a minute.
01:22.398 --> 01:23.820
[SPEAKER_00]: All right, let's get right into it.
01:24.621 --> 01:31.912
[SPEAKER_00]: Let's see, before we get started, I want to thank our community partners, Billy Footwear, who are the makers of fine adaptive footwear for all.
01:32.453 --> 01:36.979
[SPEAKER_00]: The story of the founder, Billy Price, is one of amazing courage and inspiration.
01:37.460 --> 01:43.208
[SPEAKER_00]: Billy was paralyzed his first week of college and as a result of a,
01:43.525 --> 01:49.551
[SPEAKER_00]: catastrophic accident had to learn how to do everything for himself all over again, and he did so with the exception of putting shoes on his feet.
01:49.791 --> 01:57.539
[SPEAKER_00]: A prototype was made in Billyford, where it was born, and they sold over a million pair of shoes, and have touched just as many, if not more, lives.
01:57.979 --> 02:03.404
[SPEAKER_00]: If you click on the link in the show notes, you will get 10% off your final purchase at Billyfootware.com.
02:03.424 --> 02:08.149
[SPEAKER_00]: You also want to welcome our new community partners, soul, grain.
02:08.189 --> 02:09.330
[SPEAKER_00]: We had the founders,
02:09.766 --> 02:14.835
[SPEAKER_00]: Lisa Maya and Sylvia Williams on our last episode.
02:15.296 --> 02:16.639
[SPEAKER_00]: We get a great conversation with them.
02:16.979 --> 02:23.070
[SPEAKER_00]: So great is a brand of granola, but it's not just a brand of granola.
02:23.150 --> 02:26.256
[SPEAKER_00]: It's a healthy food that has
02:26.236 --> 02:32.065
[SPEAKER_00]: fantastic ingredients and great flavors, and my first order is actually on its way.
02:32.125 --> 02:39.056
[SPEAKER_00]: Click on the link in the show knows you will get 10% off your final purchase with them as well.
02:39.556 --> 02:55.180
[SPEAKER_00]: And as you know, caregivers, you know, we talk about making sure that you put your mask on first when you're on a plane, so that you can help those around you from a place of strength, you know, a drowning man can't help anybody else if he doesn't know how to swim.
02:55.632 --> 03:05.365
[SPEAKER_00]: the same thing applies here in terms of us having nourishment and good ingredients inside us in terms of food that we consume is caregiver.
03:05.385 --> 03:11.974
[SPEAKER_00]: So go ahead and check click on the the show notes to get your discount at Seoul Gray.
03:12.554 --> 03:21.987
[SPEAKER_00]: So we've hosted myself in Brian Altunian who hosted co-hosted previous podcast just to dad and working in financial services.
03:22.367 --> 03:23.749
[SPEAKER_00]: We've held several events
03:24.303 --> 03:36.183
[SPEAKER_00]: that have been designed to build and bring financial literacy to families and that of those events are entitled Sunday is today for those that are not aware.
03:36.323 --> 03:37.625
[SPEAKER_00]: I am a financial professional.
03:37.806 --> 03:44.196
[SPEAKER_00]: I have almost 20 years of experience this September will make it 20 years and it's interesting enough.
03:44.236 --> 03:49.365
[SPEAKER_00]: My son Elijah will be 20 next month and he was diagnosed with autism at the age of three.
03:50.392 --> 03:54.997
[SPEAKER_00]: And when I got into financial services, it wasn't something that I was looking for.
03:55.017 --> 04:02.466
[SPEAKER_00]: I, quite frankly, am originally from the US Virgin Islands from St. Thomas, I didn't go to college.
04:03.247 --> 04:05.790
[SPEAKER_00]: I went through a variety of jobs.
04:06.571 --> 04:18.745
[SPEAKER_00]: And, you know, in terms of just finding myself, what I wanted to share some of how I got to where I am, and then share the event and give you the opportunity to register for it.
04:19.636 --> 04:25.169
[SPEAKER_00]: I, as I mentioned, came from the Virgin Islands in the Caribbean, education is a very big deal.
04:25.510 --> 04:31.705
[SPEAKER_00]: And so I, when I struggled academically, there was this
04:33.052 --> 04:38.097
[SPEAKER_00]: problem, this conflict, trying to figure out exactly what was wrong with me as a child.
04:38.718 --> 04:47.286
[SPEAKER_00]: And more important, not what was wrong with me from my parents' step one, I think it was just trying to figure how can we best help and support our child to thrive and be independent.
04:47.346 --> 04:56.235
[SPEAKER_00]: And when I look back on it, I must have been just a great as worry because while I could hold conversation intelligently and everything, I never did well academically.
04:56.495 --> 04:57.817
[SPEAKER_00]: I shouldn't say never rarely.
04:58.197 --> 05:03.042
[SPEAKER_00]: So much so that when I did, it would even frustrate my dad because he would say you could do this all the time
05:03.713 --> 05:05.496
[SPEAKER_00]: And as far as I knew, I really was trying.
05:06.357 --> 05:09.061
[SPEAKER_00]: Well, anyway, fast forward a bit of finish high school.
05:09.802 --> 05:17.354
[SPEAKER_00]: I attend college at, you know, in the version islands for, I think like maybe two classes, that's about it.
05:18.135 --> 05:24.705
[SPEAKER_00]: I go to a trade school in Minneapolis for a radio and television broadcasting.
05:25.607 --> 05:28.471
[SPEAKER_00]: I kind of go through that because my original goal was to be an entertainment.
05:28.932 --> 05:31.155
[SPEAKER_00]: If I could, I should have something to kind of fall back on.
05:31.473 --> 05:32.554
[SPEAKER_00]: So I did that.
05:32.735 --> 05:37.802
[SPEAKER_00]: I like the idea of writing and creating, but nothing ever really clicked.
05:38.663 --> 05:45.732
[SPEAKER_00]: And fast forward, my wife and I meet, she has two daughters from her previous marriage.
05:45.752 --> 05:49.698
[SPEAKER_00]: And she made a comment once about how important it is for one parent to be able to stay home.
05:50.419 --> 05:54.885
[SPEAKER_00]: And I thought, that's a great idea that they could make sense.
05:56.046 --> 05:56.687
[SPEAKER_00]: But that was about it.
05:57.224 --> 05:59.126
[SPEAKER_00]: And I was working in a corporate environment.
05:59.146 --> 06:02.230
[SPEAKER_00]: I was working for a company by the name of Countrywide, home laws.
06:02.250 --> 06:05.895
[SPEAKER_00]: They were the largest mortgage lender in the nation at the time.
06:06.456 --> 06:10.281
[SPEAKER_00]: This is 2005, this is when we got married.
06:10.962 --> 06:19.433
[SPEAKER_00]: And when our son Elijah came along in 2006, the state of California allows you to take a paid family leave as they father.
06:19.673 --> 06:23.738
[SPEAKER_00]: This gives you, I think, it's within the first,
06:24.022 --> 06:30.788
[SPEAKER_00]: months of the child's life, you have a certain amount of weeks to take time off and bond with their child and still be paid.
06:31.349 --> 06:36.053
[SPEAKER_00]: And my wife had already returned to work for maternity leave.
06:36.073 --> 06:53.269
[SPEAKER_00]: So I did that and I had my resume on the open market as well as within the countrywide, because I was looking for something where I could, I was kind of topped out to begin in the
06:53.823 --> 07:10.582
[SPEAKER_00]: control my time and really wanted to make more money more than anything else, but when Elijah was born, it was also about time because I started to try and wrap my head around the idea of him being with someone that we didn't know, my mom and step-to-step were working at the time, so we didn't have a family member that we could leave him with.
07:11.443 --> 07:16.489
[SPEAKER_00]: And so I found
07:17.009 --> 07:26.039
[SPEAKER_00]: That was something I was thinking about because numbers board me, but the idea of helping people in making an impact in someone's life really excited me.
07:26.539 --> 07:32.085
[SPEAKER_00]: And I learned that the industry generally works as follows.
07:32.585 --> 07:37.110
[SPEAKER_00]: As an agent or an advisor, you have quotas that you have to meet.
07:37.711 --> 07:43.557
[SPEAKER_00]: You work usually for a captive entity where it's just a company, one company.
07:43.942 --> 07:53.495
[SPEAKER_00]: and you usually have minimums that clients have to have in order for you to work with them, and you usually focus on what is called assets under management.
07:53.856 --> 07:56.560
[SPEAKER_00]: So in other words, what can you get from them to invest?
07:57.621 --> 08:03.129
[SPEAKER_00]: Charge a fee and make money whether they make a lot lose some or lose all.
08:04.190 --> 08:05.873
[SPEAKER_00]: And I wasn't crazy about that.
08:05.913 --> 08:07.435
[SPEAKER_00]: I didn't realize that there was
08:08.005 --> 08:15.817
[SPEAKER_00]: I didn't realize that the industry worked that way and I didn't realize that there was anything that was the antithesis to that, which would be a polar opposite.
08:16.198 --> 08:24.691
[SPEAKER_00]: So I found an opportunity where I got to work with multiple providers and I didn't just focus on assets and management.
08:24.791 --> 08:35.447
[SPEAKER_00]: I could do that, but then look at life insurance, short-and-long
08:35.680 --> 08:56.324
[SPEAKER_00]: And shortly after Elijah was diagnosed, I thought, if families with neurotypical children need to know how to plan for their future at a time when parents exist only in memory and know how to put their money to work for them as opposed to just the other way around, then it's probably twice as important in our community for those of us who are caregivers and have children, the special needs.
08:57.004 --> 09:05.434
[SPEAKER_00]: The problem is this, I am someone who for the majority of my life is really care of what other people think about me.
09:06.292 --> 09:07.894
[SPEAKER_00]: I just really wanted to be liked.
09:08.675 --> 09:19.147
[SPEAKER_00]: And I think that stems from being in a situation where not only that I did not get good grades, but I was always my attention was always elsewhere when it was in a classroom.
09:19.547 --> 09:27.336
[SPEAKER_00]: So very often, as teachers do, when they realize that you're not paying attention, they will say, Mr. Francis, what is the capital of so-and-so?
09:27.476 --> 09:30.399
[SPEAKER_00]: Or what is such and such an answer that was just given?
09:30.920 --> 09:32.181
[SPEAKER_00]: Will that have left with two choices?
09:32.762 --> 09:33.683
[SPEAKER_00]: Either to guess,
09:34.085 --> 09:38.870
[SPEAKER_00]: or be honest and say that I don't know, and if I guess in the answer is right, great.
09:39.810 --> 09:52.883
[SPEAKER_00]: But if I don't know and I give the wrong answer or said I don't know, then what everyone will do as children do is they laugh and those things affected me more than I realize over a period of time.
09:53.263 --> 10:00.210
[SPEAKER_00]: And I've come to realize this just recently as I shared my own diagnosis recently of ADHD.
10:00.629 --> 10:09.780
[SPEAKER_00]: And so what happened is nothing ever affected me to a point where I held my head in shame on any constant basis, especially once I became an adult.
10:10.221 --> 10:20.693
[SPEAKER_00]: But because I held my head high and I was confident, generally speaking, it made it more difficult to identify the areas in which I was not confident.
10:21.454 --> 10:22.595
[SPEAKER_00]: And so I was in a new industry.
10:23.356 --> 10:30.585
[SPEAKER_00]: My son had a diagnosis that was new,
10:32.135 --> 10:46.370
[SPEAKER_00]: I kind of got over the idea of anybody questioning my intention or not receiving me well from a sales standpoint generally speaking with the general public because I saw a value in the things that we did.
10:46.851 --> 10:47.713
[SPEAKER_00]: I saw a value.
10:47.980 --> 11:06.360
[SPEAKER_00]: in a family being able to not have to have a girlfriend be when a loved one passes away and then having money left over that is tax-free, having money did they can have access to while that love one is still alive, being able to have income for life if money is put into the right vehicle.
11:06.948 --> 11:15.320
[SPEAKER_00]: being able to have the right estate plan put in place so that when you pass away, your final wishes are executed to the letter, all those things.
11:15.801 --> 11:24.614
[SPEAKER_00]: I saw a value in all of that, but within this special needs community, if there's one person that was going to question my integrity or my intention, I just felt like I couldn't deal with that.
11:25.155 --> 11:35.250
[SPEAKER_00]: So it took some time, but I kind of got over that because I had some success generally speaking, and then my advocacy
11:35.804 --> 12:02.217
[SPEAKER_00]: So now it's been 19 almost 20 years and what's happened in that time is we've posted several events and we've impacted many lives and I've set on the autism parents advise you board of Children's Hospital of LA as serve it as an ambassador or autism speak and then I was also a 2024 fellow with caring across generations and I've also advocated in very unofficial ways and I think
12:02.720 --> 12:07.728
[SPEAKER_00]: the way that many of us should is that if we learn something and benefit from it, we should pass that on to others.
12:08.049 --> 12:13.758
[SPEAKER_00]: I'm a former believer in the words of the great Mahalwana Lee that serves to others is the rent we pay for our rooms here on earth.
12:14.339 --> 12:19.547
[SPEAKER_00]: And so with that, I've been able to add value as I go along.
12:19.915 --> 12:23.899
[SPEAKER_00]: And I will continue to do that as I as I learn.
12:24.059 --> 12:40.874
[SPEAKER_00]: I will never be anybody's expert or guru because I believe that experts or people that know everything and if you don't know if you know everything there's nothing to learn, there's nothing to learn then you're alive but not living and you're limiting what you can add to other people as well because they see you as perfect.
12:41.294 --> 12:47.560
[SPEAKER_00]: So what's taking place on the 22nd and 23rd is the
12:48.181 --> 13:02.238
[SPEAKER_00]: latest event with some day is today and somebody said it has generally been a presentation, a financial literacy event and that is what it is, but at the same time it's more.
13:02.258 --> 13:12.670
[SPEAKER_00]: So as you can see, if you're looking at this on our YouTube channel, as opposed to just listening to it, there's a logo on the screen, usually where you would see our logo for the on the spectrum.
13:13.122 --> 13:21.443
[SPEAKER_00]: And that was because some day is today is now more beneficial movement and initiative for care givers altogether.
13:22.044 --> 13:30.726
[SPEAKER_00]: Having the pleasure of doing this podcast and before the predecessor just
13:31.263 --> 13:33.326
[SPEAKER_00]: reminded of exactly what a caregiver is.
13:33.606 --> 13:38.152
[SPEAKER_00]: There's a large percentage of the community that doesn't even identify themselves as caregivers.
13:38.513 --> 13:46.603
[SPEAKER_00]: And that may be because of our cultural background, where we just see ourselves as good family members who are doing what one would do.
13:46.944 --> 13:50.669
[SPEAKER_00]: You're a dutyful son or daughter that is helping care for an elderly parent.
13:50.989 --> 13:53.733
[SPEAKER_00]: You're just a parent who's caring for a child.
13:54.053 --> 13:55.295
[SPEAKER_00]: We're just how I viewed my wife on that.
13:55.315 --> 14:00.882
[SPEAKER_00]: But the truth of the matter is, anyone for whom you are giving care
14:01.402 --> 14:10.093
[SPEAKER_00]: You're a caregiver and anyone who lives a remotely long life that the your caregiver or special needs or anything like that sounds foreign to you.
14:10.173 --> 14:27.696
[SPEAKER_00]: If you're blessed with a remotely long life, you will get membership into our community, whether it's temporary because of an injury of your own or it is because of an ailment or illness or diagnosis for you or a loved one or just your own old age.
14:28.317 --> 14:33.304
[SPEAKER_00]: anything that matters to the general population matters to those of us in this community ten times more so.
14:33.804 --> 14:45.160
[SPEAKER_00]: So the other thing that's happened over the years is that you know in the beginning I was really petrified really and I mean definitely afraid of anyone questioning my intentions when it came to trying to serve this community.
14:45.760 --> 14:58.037
[SPEAKER_00]: But I realize over time that I can't serve people to my fullest capacity if I wonder about what someone might say and I
14:58.422 --> 15:07.493
[SPEAKER_00]: they believe that their confidence will come from their accolades, sometimes their net worth, which is what they used to measure their self worth.
15:08.074 --> 15:13.220
[SPEAKER_00]: And the truth of the matter is, what we should be confident about is our intentions.
15:13.661 --> 15:15.483
[SPEAKER_00]: If our intentions are the best place.
15:15.523 --> 15:20.369
[SPEAKER_00]: Now, it's also been said that the road to hell is paved with good intentions.
15:20.769 --> 15:22.532
[SPEAKER_00]: So it's not enough just to have good intentions.
15:22.552 --> 15:24.514
[SPEAKER_00]: Have good intentions and continue to grow.
15:25.169 --> 15:27.211
[SPEAKER_00]: so that you're not stuck on just what you know.
15:27.792 --> 15:33.779
[SPEAKER_00]: And I know that my intention is in the right place, so I've completely gotten over that and I've been able to see exactly how families are helped.
15:33.799 --> 15:44.171
[SPEAKER_00]: But as opposed to having someday today just be an event, the intention is for it to be a movement to better the lives of those in the special needs and caregiving community.
15:44.611 --> 15:50.518
[SPEAKER_00]: And when it comes to the event itself, even from the financial piece, what we're going to be talking about is
15:50.937 --> 16:01.752
[SPEAKER_00]: Looking at the way we see ourselves and our relationship with money, you know, most of us operate from experience and we are not our accolades.
16:01.792 --> 16:02.714
[SPEAKER_00]: We're not our net worth.
16:02.774 --> 16:04.436
[SPEAKER_00]: We're not their experiences that we've had.
16:04.817 --> 16:11.686
[SPEAKER_00]: What we are are quite frankly, and I'm not trying to get too deep or heavy here, but we're more than who we are in flesh.
16:11.766 --> 16:13.389
[SPEAKER_00]: We are souls.
16:13.990 --> 16:19.257
[SPEAKER_00]: We are more than anything that we are here physically
16:21.228 --> 16:22.750
[SPEAKER_00]: the time here is very limited.
16:22.811 --> 16:24.193
[SPEAKER_00]: So we want to maximize that.
16:24.293 --> 16:26.356
[SPEAKER_00]: I'm sure everybody feels that way.
16:26.376 --> 16:38.997
[SPEAKER_00]: But when it comes to putting the best plan in place to make sure that our future is taken care of and that we leave our loved ones and legacy as opposed to our liability, that's something that most of us figure that will get to some day, some day.
16:39.738 --> 16:43.945
[SPEAKER_00]: But especially for us, why shouldn't some day be today?
16:44.330 --> 16:56.685
[SPEAKER_00]: Right, so we're going to talk about maybe the way some of us see ourselves on how we think and trying to improve that and then also the way that we look at and view money.
16:56.952 --> 17:06.200
[SPEAKER_00]: and I can be a very difficult thing to talk about for most people, and part of it is because most of us tire net worth to our self-worth.
17:06.761 --> 17:14.187
[SPEAKER_00]: And for some people, it means that if they're making a lot of money, it means that they see so much in themselves and they're so tied to that.
17:14.648 --> 17:20.313
[SPEAKER_00]: For those that aren't making a lot, they feel little or less than because they're risen enough of it.
17:20.613 --> 17:26.318
[SPEAKER_00]: So we'll address that, but the other thing that we'll look at is life insurance.
17:26.669 --> 17:29.272
[SPEAKER_00]: and separate that from the truth.
17:29.873 --> 17:31.635
[SPEAKER_00]: There are so many myths around it.
17:31.655 --> 17:35.340
[SPEAKER_00]: Life insurance is as misunderstood as it is important and vital.
17:36.020 --> 17:40.866
[SPEAKER_00]: And we're going to cut through a lot of the untruths that are out there about that.
17:40.886 --> 17:42.308
[SPEAKER_00]: There's a whole lot of that on social media.
17:42.628 --> 17:45.292
[SPEAKER_00]: We're going to talk about short and long-term savings.
17:45.993 --> 17:49.337
[SPEAKER_00]: Is your money put someplace where it can outpace inflation?
17:49.857 --> 17:51.259
[SPEAKER_00]: Is it put someplace where
17:51.762 --> 17:55.567
[SPEAKER_00]: you minimize what you're having to give up on taxes.
17:56.048 --> 18:07.744
[SPEAKER_00]: You know, this place is where you can actually put money where it gets a decent rate of return outpaces in place and then you don't have to pay taxes on that money that you take and the growth as well.
18:08.124 --> 18:16.656
[SPEAKER_00]: There's also options where you can put many where you can actually literally get income for life for the rest of your life, literally.
18:17.497 --> 18:22.986
[SPEAKER_00]: There are also vehicles out there that can serve for business solutions.
18:23.046 --> 18:29.957
[SPEAKER_00]: If you have a business, especially if you have a business and you're a caregiver, you have an exit strategy, you have a business, or does that business have you?
18:30.578 --> 18:41.175
[SPEAKER_00]: What is the plan to leave that business and get to a point where you may work only because you want to, but not because you have to.
18:41.611 --> 18:42.492
[SPEAKER_00]: all of those things.
18:42.572 --> 18:47.616
[SPEAKER_00]: And then what does it mean when it comes to protecting benefits generally speaking?
18:48.257 --> 19:06.613
[SPEAKER_00]: You know, most of the programs that are in place for us from an income standpoint, a monetary standpoint, as caregivers, they encourage us in quite frankly, scare most of us into thinking very small and limited, because if you have over a certain amount, then you lose those benefits.
19:06.633 --> 19:09.576
[SPEAKER_00]: Well, there are places those
19:10.214 --> 19:15.438
[SPEAKER_00]: put so that you grow it and you still retain those benefits.
19:16.219 --> 19:19.222
[SPEAKER_00]: Okay, and then the other thing that takes place is for those that have Medicare.
19:20.122 --> 19:39.799
[SPEAKER_00]: If you have too many assets depending on the year and whether you're single or married, you might find yourself in a situation where you have to spend down in order to qualify for Medicare if you don't have enough money save for retirement.
19:40.437 --> 19:43.881
[SPEAKER_00]: scared the mess out of you because you think I need to get rid of some of what I have.
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[SPEAKER_00]: If it's done right, there are places where those funds can be reallocated as opposed to anything else, where the benefits can still be protected and held onto.
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[SPEAKER_00]: So we're going to be talking about those things and a whole lot more, and we just want to take advantage of the opportunity to try and, you know,
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[SPEAKER_00]: improve people's lives and our way of thinking.
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[SPEAKER_00]: And that's what the event will be.
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[SPEAKER_00]: And if you look in the show notes, the link will be there for you to register as well.
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[SPEAKER_00]: It's free of charge is going to be one event for the east coast and then one for the west coast.
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[SPEAKER_00]: I hope to see you there and that you'll hopefully join us as we go forth as we build this community known as Someday is today.
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[SPEAKER_00]: And again, thank you to our partners, SoulGrain and Billy Footwear.
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[SPEAKER_00]: Check out my links in the show notes so that you can get the discount at your final purchase.
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[SPEAKER_00]: And then for those of you that are men or you know someone who is a
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[SPEAKER_00]: mail a dad and or caregiver to someone with a disability or special needs.
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[SPEAKER_00]: We encourage you to join us far by weekly men's group note as the din that is free of charge and the link will also be in the show notes as well.
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[SPEAKER_00]: Thank you so very much.
