While speaking at a retreat for a group of investors, Cal asks about a basic educational guide to the stock market and saving money to make sure that any health care needs at the end of life can easily be met. He's turned on to The Personal Finance Club course and Jeremy Schneider. Which leads to this conversation. Anyone looking for a clear and time-tested way to save a nest egg will be happy they tuned into this week's podcast.

Cal looks back on experiences he's had with Muhammad Ali, Kobe Bryant and Larry King as a way of seeing forward into his journey to reshape healthcare. A story about Martin Luther King Jr.'s I Have A Dream Speech is also included in this episode. Each remembrance shows us how a tiny action – an introduction, a suggestion or a boost during a scary moment can be so impactful, and each reminds us how to get the most out of our lives.

Cal talks with the author of The Super Age, Decoding Our Demographic Destiny, about what our future looks like as America becomes an older nation as opposed to a younger one for the first time in its history. Bradley uses data from the past to predict what's coming and the results of this conversation are shocking to Cal. According to Bradley, the best is yet to come. Get ready to be optimistic.

Nido came to study in the United States from the Middle East when he was 17 years old with $50 in his pocket and built an extraordinary life through High Point University in North Carolina – where he is now president. During the last 17 years, Nido has grown the university from 90 acres to 500, from 18 buildings to 128 and from 1,400 students to 6,000. He talks about the power a strong home has over our attitude and behavior, and gives Cal and listeners tools to build and grow any enterprise. This episode is a feast of wisdom.

The CEO of one of America's most innovative creative companies, Mekanism, shows Cal how to build a campaign through understanding an audience. This is new territory for Cal, who's spent a lifetime asking questions of people who've built great things – without ever having built anything himself. As Cal sets off on his journey to try to reshape healthcare, he knows he will have to build a platform. Jason sets the groundwork, and shows everybody how to shape their own messaging by using the right questions.

Cal checks in with the author of The Third Door, and comes away with two tools that can help anybody who feels stuck in life get to a better place. (And in times of COVID, there are plenty of people who feel stuck.) The tools are called The Sun and The Clouds and The Thirty-Day Challenge, and they don't require much time. Even if you don't think you need them, they just may surprise you and take you to an intriguing place. Or you could pass them on to somebody who is unmistakably stuck and definitely needs them. Either way, these tools will lead to a clearer New Year.

Mental health gets closer to home for Cal when a young acquaintance is brought to tears with harmful thoughts in front of Cal's house. This, after suicide and attempts shook a nearby college campus. It's clear that a huge number of people are dealing with mental health issues that are not being treated or acknowledged. Cal talks with Kevin Hines, who has devoted his life to suicide prevention after attempting to take his own life by jumping off the Golden Gate Bridge, about what we all can do to help. Awareness is key. The information Kevin passes on could save somebody's life.

Cal learns how we all can bring some happiness into our lives from a man who became a national and international whistling champion. Chris Ullman has whistled in the Oval Office, whistled on The Today Show and The Tonight Show, and whistled with a symphony orchestra in front of 60,000 people. His message boils down to this: It's hard to be unhappy when you're whistling a happy tune. Chris brings joy to people almost every day with a Happy Birthday serenade. It will be hard for you to walk away from this episode without whistling yourself.