GIVE A HECK

CAN YOU BE BROKE AND STILL LOOK FINE? | THE PURPOSE RULES: MINDSET, PT. 1

Living paycheque to paycheque doesn't always look like a crisis. In Part 1 of The Purpose Rules: Mindset, a new three-part solo series, Dwight Heck shows what quiet desperation really looks like: the financial stress so many people carry while everything looks fine from the outside.

Dwight shares one ordinary day from his years as a single dad of five, after moving to full-time custody and watching his income drop by about half. Hoping for a zero balance in the morning, juggling credit through the day, smiling and promising his kids he'd figure it out, then lying awake once the mask came off. From there, he lays out five warning signs, why people stay stuck, and one simple first step to take this week.

What you will learn:

What quiet desperation is, and why it is different from a financial crisis

Why high earners can live in quiet desperation too

What one ordinary day looked like for Dwight as a single dad of five living paycheque to paycheque

Five warning signs that you may be living in quiet desperation

The three reasons people stay stuck far longer than they should

One simple first step you can take this week to start lifting the fog

Connect with Dwight Heck:

🌐 Give A Heck Website

🎤 Podcast Page

📺 YouTube Channel

📘 Facebook

📸 Instagram

💼 LinkedIn

🎵 TikTok

🐦 Twitter / X

🎤 Work With Me / Be a Guest

How does equalization work in Canada, and who really pays for it? In this solo episode, Dwight Heck pulls the real numbers and tests four common myths, including the claim that Alberta writes a cheque to Quebec.

Dwight, a financial and life coach with 24 years in the industry, explains the formula, shows what Albertans and British Columbians pay in federal tax and what comes back, and compares Canada with Germany, Switzerland, Australia and the United States. Every number in the episode has a source in the show notes.

What you will learn:

How the equalization formula works and who actually pays for it

What Alberta and British Columbia pay in federal tax per resident, and what comes back

Why scrapping equalization would not give Alberta its money back

How Germany, Switzerland, Australia and the United States handle the same problem

Three takeaways for separating the feeling from the formula

Connect with Dwight Heck:

🌐 Give A Heck Website

🎤 Podcast Page

📺 YouTube Channel

📘 Facebook

📸 Instagram

💼 LinkedIn

🎵 TikTok

🐦 Twitter / X

🎤 Work With Me

RAN AWAY TO THE CIRCUS, THEN HIT BOTTOM | DAVE LETTERFLY KNODERER

This alcoholism recovery story starts with a teenager who ran away to join the circus as a drummer. Dave Letterfly Knoderer joins Dwight Heck to talk about his horses, his art, hitting bottom with alcohol, and the hope he found in recovery and writing.

Dave is a circus performer, liberty horse trainer, airbrush muralist, motorcycle pinstriper and author of five books. He grew up in Ohio as the son of a Lutheran minister and the younger brother of a boy nobody understood. From a comedy act with a little black mule to a seven-month route painting at Harley-Davidson dealerships, his career took many detours, and recovery changed his relationship with his father and with himself.

What you will learn:

How a teenager ran away to join the circus and built a creative life from drums, paint and horses

What hitting bottom with alcohol looked like, and how recovery changed Dave

How a moral inventory became the start of his writing and five published books

How recovery turned a strained relationship with his father into a best friendship

Why options are the key to happiness, and why not to give up five minutes before the miracle

Connect with Dave Letterfly Knoderer:

🌐 Website

🎨 Artist Page

📚 Author Page

🎤 Speaker Page

🎁 Free Book: Hit the Road and Thrive

🎁 Free Book: Responsible RVing

📖 Amazon Author Page

📸 Instagram

📘 Facebook

💼 LinkedIn

📺 YouTube

✍️ Blog: LetterflyWrites

Connect with Dwight Heck:

🌐 Give A Heck Website

🎤 Podcast Page

📺 YouTube Channel

📘 Facebook

📸 Instagram

💼 LinkedIn

🎵 TikTok

🐦 Twitter / X

🎤 Work With Me / Be a Guest

RRSP vs TFSA vs FHSA: which one is right for you? In this solo episode, Dwight Heck explains how the Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA), non-registered account and First Home Savings Account (FHSA) really work in Canada, and why the refund that feels like a gift is actually a deferral.

Dwight, a financial and life coach with 24 years in the industry, walks through the tax on the way in and the tax on the way out, the Old Age Security (OAS) clawback, and how interest, dividends and capital gains are taxed. American listeners get a short map of the 401(k) and the Roth Individual Retirement Account (Roth IRA). Before any account, he says, comes the plan.

What you will learn:

Why the RRSP refund is a deferral and the one question that decides if it is a good deal

How the TFSA, FHSA and non-registered account are taxed differently from the RRSP

How RRSP withdrawals can trigger the OAS clawback and why TFSA withdrawals do not

How interest, dividends and capital gains are taxed in a non-registered account

How the 401(k) and Roth IRA compare for American listeners

Two questions to ask any advisor before you open an account

Connect with Dwight Heck:

🌐 Give A Heck Website

🎤 Podcast Page

📺 YouTube Channel

📘 Facebook

📸 Instagram

💼 LinkedIn

🎵 TikTok

🐦 Twitter / X

🎤 Work With Me

FROM DRUGS AT 13 TO A $10 BILLION EXIT, WITH DARYL DITTMER

What does it take to go from a 13-year-old already deep into drugs and alcohol to becoming the second-largest shareholder in a company that sold for nearly $10 billion? Daryl Dittmer joins Dwight Heck to share the origin story behind his sales career and exit.

Raised in a blue-collar family outside Detroit, Daryl faced a crossroads in his late teens: get help, or walk away from his family. He landed in sales almost by accident, became a top producer, and eventually earned enough ownership to become the company’s second-largest shareholder. He has since built and exited several businesses of his own, and now runs Show Up Coaching and the free webinar Show Up, Built to Win.

What you will learn:

Why the most crucial lessons come from what you jettison, not what you collect

How a teenage crossroads forced a choice between getting help or losing his family

How he became a top producer and eventually a company’s second-largest shareholder

Why showing up every day matters more than talent

Why your past does not get final say over your future unless you let it

Connect with Daryl Dittmer:

• 🌐 Website

• 📘 Facebook

• 📸 Instagram

• 💼 LinkedIn

• 🐦 Twitter / X

Connect with Dwight Heck:

• 🌐Website

• 🎤Work With Me

• 📺YouTube

• 📘Facebook

• 📸Instagram

• 💼 LinkedIn

• 🎵TikTok

• 🐦Twitter / X

WHAT HAPPENS IF YOU DON’T COME HOME — THE PURPOSE RULES, PART 3 OF 3

What happens if you get injured, get a diagnosis that changes everything, or do not come home one day? In the final part of The Purpose Rules, Dwight Heck covers Steps 4 and 5 of his five-step coaching process: protect what you are building, and the savings rule.

Dwight shares one of the most personal stories he has told on the show, a three-year period during his divorce with no life insurance at all, after an advisor more concerned with his own commission talked him out of options that would have kept coverage in place. He also finishes the real story of clients John and Sally, from $40,000 in debt to a protected retirement, and what happened 14 years after they put their plan in place.

This is Part 3 of a 3-part series. If you have not heard Parts 1 and 2, start from the beginning to get the full framework.

What you will learn:

Why protection is the step that turns a setback into a catastrophe

What protection means beyond life insurance

Why some of the 91% did everything right until one bad day

The savings rule and why habit matters more than amount

How John and Sally’s story ends, 14 years later

Connect with Dwight Heck:

• 🌐 Website

• 🎤 Work With Me

• 📺 YouTube

• 📘 Facebook

• 📸 Instagram

• 💼 LinkedIn

• 🎵 TikTok

• 🐦 Twitter / X

KNOW YOUR NUMBERS: GOALS, BUDGET, NET WORTH — THE PURPOSE RULES, PART 2 OF 3

Budgeting andknowing your net worth turn a hopeless financial situation into an actual plan.In Part 2 of The Purpose Rules, Dwight Heck walks through the first three stepsof his five-step coaching process: set your goals, build your budget, and knowyour net worth.

Using thereal story of clients John and Sally, a couple in their forties with $40,000 indebt and no life insurance, Dwight shows exactly what this process looks likein practice, including the over $400 a month they found in their own budgetwithout earning a single extra dollar.

This is Part2 of a 3-part series. Part 3 covers protection planning and the savings rule,and finishes John and Sally’s story.

What you willlearn:

Why Dwightstarts with story, not goals

The rule ofthree goals, never ten

How to findmoney already in your budget

Why needsversus wants gets complicated as an adult

How tocalculate your net worth and why the number is a baseline, not a verdict

Connect with Dwight Heck:

• 🌐Website

• 🎤Work With Me

• 📺YouTube

• 📘Facebook

• 📸Instagram

• 💼 LinkedIn

• 🎵TikTok

• 🐦Twitter / X

53% ofCanadians live paycheque to paycheque. Only 36% have a financial plan.Insolvencies hit a 17-year high. And this is not just Canada — the same patternholds across the United States, the United Kingdom, Europe, Australia, andJapan.

In Part 1 ofThe Purpose Rules, Dwight Heck breaks down the three foundational rules of themoney game that were never properly taught: money is a tool, know your inflowsand outflows, and budgeting is the key nobody handed you. After 24 years as afinancial and life coach and his own journey from quiet desperation as a singledad of five, Dwight introduces The Purpose Rules, a five-step framework forgetting off the hamster wheel.

This is Part1 of a 3-part series. Part 2 covers goals, budgeting, and net worth. Part 3covers protection planning and the savings rule.

What you willlearn:

Why money isa tool with no personality of its own

Howadvertising is engineered to bypass your better judgment

Why knowingyour inflows and outflows frees up real money fast

Why less thanhalf of Canadians budget

The fivesteps of The Purpose Rules framework

Why your pastdoes not deserve eternal loyalty

Connect with Dwight Heck:

• 🌐Website

• 🎤Work With Me

• 📺YouTube

• 📘Facebook

• 📸Instagram

• 💼 LinkedIn

• 🎵TikTok

• 🐦Twitter / X

Dave Mowry built a successfulbusiness before bipolar disorder took nearly all of it, across fourteen yearshe calls his lost years, including hospitalization and homelessness.

[Content note, after theopening hook so it does not sit as the first indexed text: this episodeincludes an open discussion of mental illness, including bipolar disorder,severe anxiety, and thoughts of suicide. If you or someone you know isstruggling, in the US and Canada call or text 988, anytime, day or night.]

A stand up comedy class builtfor people living with a mental illness became the unlikely turning point. Daveis now a bestselling author and mental health advocate who teaches that sameclass to others and performs on stages himself, using comedy to push backagainst the stigma around mental illness.

What you will learn:

•       What it was like living with undiagnosed anxiety anddepression as a kid

•       How bipolar disorder cost Dave his business and hishome

•       Why a stand up comedy class became his unlikely turningpoint

•       How comedy became the unexpected door back to himself

•       Why you are never as alone as it feels

Connect with Dave Mowry:

•       Website

•       OMGThat’s Me!

•       Healingwith Humor

•       Facebook

•       LinkedIn

Connect with Dwight Heck:

•       Give A Heck Website

•       Podcast Page

•       YouTubeChannel

•       Facebook

•       Instagram

•       LinkedIn

•       TikTok

•       Twitter/X

•       Work WithMe / Be a Guest

Ben Barbic lost his childhood home twice, once to a wildfire, once to an earthquake, and hit rock bottom at twenty-eight before rebuilding his life through music, real estate, and writing.

He is a reggae and hip-hop recording artist on Rebel Sound Records and the author of Rise & Climb: Finding Purpose Through Pain, published through Skyhorse and Simon &Schuster, and his story of tenacity across multiple disciplines is exactly the kind of rebuild this show was built to showcase.

What you will learn:

•       How two childhood house losses became lifelong anchors,not lasting anxiety

•       Why the rock bottom moment at twenty-eight changedeverything

•       How he built a recording career from a home studio intorooms with Grammy-connected collaborators

•       What eight years of writing a memoir taught him abouthis own truth

•       How he uses physical discipline and creative outletswithout becoming obsessive about either

•       Why the people you surround yourself with matter asmuch as personal discipline

Connect with Ben Barbic:

•       Website

•       Book

•       Music

•       Facebook

•       Twitter/X

•       Instagram

Connect with Dwight Heck:

•       Give A Heck Website

•       Podcast Page

•       YouTubeChannel

•       Facebook

•       Instagram

•       LinkedIn

•       TikTok

•       Twitter/X

•       Work WithMe / Be a Guest