GIVE A HECK

What is the difference between having money saved and actually having income you can depend on in retirement? For most people, nobody has ever answered that question clearly.

Mark Kollar has spent 35 years answering it. He started his career on the floor of the Chicago Board of Trade watching first-hand how markets can be manipulated and how quickly a lifetime of savings can disappear when someone does not know what they do not know. The experience that drove all of it started much earlier, in second grade, when he watched bad advice, failed estate planning, and a devastating health event strip his father of everything he had built.

In this episode, Mark and Dwight cover:

- Why accumulation and income distribution are completely different retirement disciplines

- The red money versus green money framework and how to think about risk at different life stages

- The four tax baskets and why how you draw down your savings is as important as how much you saved

- Black swan events, excess fees, ego, and the emotional decisions that quietly derail well-funded retirements

- What a fiduciary standard means versus a suitability standard, and why it matters who you choose

- Why the wealthiest clients Mark works with all share one habit: multiple advisors

Mark is the owner of Kollar Wealth Advisors, a registered investment advisory firm, a certified senior advisor, a certified estate planning professional, and the author of The Retirement Navigator. He has been featured in the Wall Street Journal, Forbes, CNBC, the Washington Post, and Fox Business.

Get his free Seven Retirement Mistakes Report: https://sevenmistakes.subscribepage.io/

Connect with Mark Kollar:

Website: https://www.kollarinsuranceservices.com/

YouTube: https://www.youtube.com/@MarkKollarRetirementExpert

LinkedIn: https://www.linkedin.com/in/markakollar/

Facebook: https://www.facebook.com/kollarinsuranceservices

Connect with Dwight Heck and the Give A Heck Podcast:

Website: https://www.giveaheck.com

Podcast: https://www.giveaheck.com/podcast

YouTube: https://www.youtube.com/@giveaheck

Facebook: https://www.facebook.com/dwight.heck

Instagram: https://www.instagram.com/give.a.heck

LinkedIn: https://www.linkedin.com/in/dwight-heck-65a90150/

TikTok: https://www.tiktok.com/@giveaheck

Twitter/X: https://twitter.com/give_a_heck

Be a Guest: https://www.giveaheck.com/work-with-me

Jim Tracy grew up as the sixth of eight kids in rural South Dakota, where thirteen people waited at the dinner table until his father came home, and summers meant fishing and hunting at a cabin with no running water. He became a CEO, jet pilot, Wireless History Foundation Hall of Fame inductee, and the author of the Amazon number one bestselling book Building Men: Character Lessons from Influencers. Not because of advantages. Because of the people who poured into him and refused to let him quit.

In this conversation with Dwight Heck, Jim traces the full arc of a life built on character. From a grandfather who took chickens as payment during the Depression, to starting a telecom company from a garage with his son. Burning through his entire 401k on the first bid, to learning to fly jets at 62. To top it all, he wrote a book where every chapter is named after a person rather than a principle.

IN THIS EPISODE:

✅ How rural roots and a grandfather's unwavering character built the foundation of everything

✅ How Jim started Legacy Telecommunications in a garage and burned his 401k on the first bid

✅ What the Culture Revival Blueprint is and why every business needs one

✅ Why handwritten birthday cards were the most important thing Jim did as a CEO

✅ What it took to learn to fly jets at 62

✅ How tenacity is a superpower that only comes from muscle memory

✅ What building men of character actually requires

WATCH ON YOUTUBE:

https://youtu.be/858oP35jTyo

CONNECT WITH JIM TRACY:

Website: https://thegrampion.com/

Website: https://thejimtracy.com/

YouTube: https://youtube.com/@jimtracygrampion

LinkedIn: https://linkedin.com/in/jim-tracy-istowerjim/

Facebook: https://www.facebook.com/TheGrampion

Instagram: https://www.instagram.com/towerjim/

Twitter / X: https://x.com/Towerjim

Speaking: https://www.espeakers.com/marketplace/profile/48319/jim-tracy

CONNECT WITH DWIGHT HECK:

Website: https://www.giveaheck.com

Podcast: https://www.giveaheck.com/podcast

YouTube: https://www.youtube.com/@giveaheck

Facebook: https://www.facebook.com/dwight.heck

Instagram: https://www.instagram.com/give.a.heck

LinkedIn: https://www.linkedin.com/in/dwight-heck-65a90150/

TikTok: https://www.tiktok.com/@giveaheck

Twitter / X: https://twitter.com/give_a_heck

Be a Guest: https://www.giveaheck.com/work-with-me

RATE THE SHOW:

https://ratethispodcast.com/giveaheck

Give A Heck | Helping People Live Life on Purpose and Not by Accident

Most people spend their entire lives trying to fix, change, and improve themselves into something better. Derek Rydall nearly died before he discovered the flaw in that approach. Everything you are looking for is already inside you. The only question is whether you are willing to let it emerge.

In this first of two conversations, Dwight Heck and bestselling author Derek Rydall explore the Law of Emergence, the principle behind Derek's work and his case for why the Law of Attraction, as most people practice it is built on the wrong foundation entirely. Derek survived a near-death experience in a coral reef off Jamaica, lost his son, had his fortune stolen, and came through all of it more alive than before.

Part 2 is coming soon and goes deep into Derek's new book A Whole New Human: 10 Ways We Must Evolve to Survive and Thrive in the AI Age, published February 2025.

IN THIS EPISODE:

✅ What the Law of Emergence is and how it differs from the Law of Attraction

✅ Why trying to fix and improve yourself may be keeping you stuck

✅ How a near-death experience became the turning point of Derek's life

✅ What the acorn teaches us about human potential and purpose

✅ Why painful conditions may be activating what was always inside you

✅ How losing his son put a fire in Derek that changed everything he teaches

✅ A preview of A Whole New Human and the identity crisis of the AI age

WATCH ON YOUTUBE:

YOUTUBE WATCH

CONNECT WITH DEREK RYDALL:

Website: https://derekrydall.com/

YouTube: https://www.youtube.com/@DerekRydall-YourLegendaryLife

LinkedIn: https://www.linkedin.com/in/derekrydall

Facebook: https://www.facebook.com/DerekRydall/

Instagram: https://www.instagram.com/drydall/

Twitter / X: https://x.com/derekrydall

CONNECT WITH DWIGHT HECK:

Website: https://www.giveaheck.com

Podcast: https://www.giveaheck.com/podcast

YouTube: https://www.youtube.com/@giveaheck

Facebook: https://www.facebook.com/dwight.heck

Instagram: https://www.instagram.com/give.a.heck

LinkedIn: https://www.linkedin.com/in/dwight-heck-65a90150/

TikTok: https://www.tiktok.com/@giveaheck

Twitter / X: https://twitter.com/give_a_heck

Be a Guest: https://www.giveaheck.com/work-with-me

RATE THE SHOW:

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Give A Heck | Helping People Live Life on Purpose and Not by Accident

AI is not a technology problem. It is a human problem. And organizations rushing past that truth are already paying the price in burnout, disengagement, and talent they will never get back.

In Part 2, Dwight Heck and leadership strategist Sira Laurel go deep on what AI adoption is really doing to the people inside your organization. Stalled adoption, cultural fracture, and mass disengagement are not technology failures. They are human transformation failures that no training program can fix.

If you have not listened to Part 1 yet, start there first. This episode builds directly on that foundation.Part 1: https://giveaheck.com/podcast-detail/why-leadership-burns-out-high-performers-sira-laurel/

IN THIS EPISODE:✅ Why AI adoption is failing inside most organizations right now✅ How identity threat is the real barrier to change, not training✅ What psychological safety actually requires a leader to do✅ Why organizations are living systems, not machines✅ What self-trust has to do with becoming the leader you are designed to be✅ Why staying human is the most strategic competitive advantage available

WATCH ON YOUTUBE:https://youtu.be/dMvbbTDO9hs

CONNECT WITH SIRA LAUREL:Website: https://www.leadnorthofnormal.com/YouTube: https://www.youtube.com/@SiraLaurel-NorthofNormalLinkedIn: https://www.linkedin.com/in/siralaurelInstagram: https://www.instagram.com/northofnormalbysiralaurelSubstack: https://substack.com/@thehighlysensitiveleader

CONNECT WITH DWIGHT HECK:Website: https://www.giveaheck.comPodcast: https://www.giveaheck.com/podcastYouTube: https://www.youtube.com/@giveaheckFacebook: https://www.facebook.com/dwight.heckInstagram: https://www.instagram.com/give.a.heckLinkedIn: https://www.linkedin.com/in/dwight-heck-65a90150/TikTok: https://www.tiktok.com/@giveaheckTwitter / X: https://twitter.com/give_a_heckBe a Guest: https://www.giveaheck.com/work-with-me

RATE THE SHOW:https://ratethispodcast.com/giveaheck

Give A Heck | Helping People Live Life on Purpose and Not by Accident

Are you caught between supporting your adult kids and your aging parents while trying to fund your own retirement? You are not alone, and the math is real.

In this solo episode of the Give A Heck Podcast, Dwight Heck unpacks the Canadian sandwich generation, one of the most pressing financial and emotional pressures facing Canadians in 2026. Drawing on more than 24 years in financial services and his own lived experience as a single father of five, Dwight breaks down the real numbers behind the pressure and the practical steps to start carrying the weight on purpose instead of by accident.

What you will learn in this episode:

✅ Why more than one in three Canadian young adults under 34 are living with at least one parent

✅ The three invisible withdrawals quietly draining the sandwich generation's retirement

✅ The 2026 cost of long-term care in Alberta and British Columbia

✅ Why the RRSP is not always the right tool, and when the TFSA should take the lead

✅ Three questions every Canadian needs to ask to start living on purpose

✅ The exact conversation to have this week with your adult kids and your ageing parents

⏱️ Chapters:

0:00 Welcome and Introduction

0:57 Why This Solo Episode Matters

4:30 The Pressure Is Real, 2025 RBC and iPaaS Data

7:00 A Global Pattern, A Canadian Reality

9:30 The Other Side of the Sandwich, Ageing Parents

11:30 The Three Invisible Withdrawals

16:00 Three Questions to Live on Purpose

18:30 The Canadian Financial Toolkit

24:30 Why Segregated Funds Earn Their Keep

27:00 The Conversation to Have This Week

30:00 How Dwight Can Help and Final Thoughts

🔗 Full show notes with links and resources:

https://giveaheck.com/podcast-detail/caught-between-adult-kids-aging-parents-retirement/

🤝 Connect with Dwight Heck:

🌐 Website: https://www.giveaheck.com

🎙️ Podcast: https://www.giveaheck.com/podcast

📘 Facebook: https://www.facebook.com/dwight.heck

📸 Instagram: https://www.instagram.com/give.a.heck

💼 LinkedIn: https://www.linkedin.com/in/dwight-heck-65a90150/

🎵 TikTok: https://www.tiktok.com/@giveaheck

🐦 Twitter / X: https://twitter.com/give_a_heck

🎤 Work With Me / Be a Guest: https://www.giveaheck.com/work-with-me

⭐ Leave a review: https://www.ratethispodcast.com/giveaheck

🎧 Listen on your favourite podcast platform:

🍎 Apple Podcasts: https://podcasts.apple.com/us/podcast/give-a-heck/id1538446144

🎧 Spotify: https://open.spotify.com/show/3wc2pFuCWhtLzAGYLSknzG

❤️ iHeart Radio: https://www.iheart.com/podcast/269-give-a-heck-90577620/

🎵 Amazon Music: https://music.amazon.ca/podcasts/d865a2cf-8368-482e-b1c1-187b4fdbe965/give-a-heck

🎙️ Audible: https://www.audible.ca/pd/GIVE-A-HECK-Podcast/B08K5X3D84

About Dwight Heck:

Dwight Heck is the host of the Give A Heck Podcast, a best-selling author, speaker, and financial coach with more than 24 years in financial services. A single father of five who raised his children through some of the hardest financial years of his life, Dwight now helps Canadian families build coordinated financial strategies that protect their retirement, support the people they love, and create the freedom to live life on purpose, not by accident.

#SandwichGeneration #CanadianFinance #RetirementPlanning #GiveAHeck #FinancialFreedom #LiveOnPurpose #AdultChildren #AgingParents

Welcome to the Give A Heck Podcast with Dwight Heck—where real conversations challenge how you think, live, and lead.

In this episode, Sira Laurel explains why leadership burnout is rising among high performers and highly sensitive professionals. Drawing from over 15 years in HR and organizational development, she breaks down how traditional leadership systems are misaligned with human biology—and why the people pushing the hardest are often the ones paying the highest cost.

If you’ve ever felt exhausted trying to perform in systems that don’t fit how you think, process, or lead—this conversation will give you clarity and direction.

Expect insight on:
• Leadership burnout and system failure
• Highly sensitive and high-performing individuals
• Why “push harder” culture creates long-term damage
• Nervous system awareness and sustainable performance
• How leadership must evolve in a changing world

This is not theory—this is real-world experience and practical perspective.

🎧 Listen now and rethink what leadership and performance should actually look like.

🤝 CONNECT WITH SIRA LAUREL
Website: https://www.leadnorthofnormal.com/
YouTube: https://www.youtube.com/@SiraLaurel-NorthofNormal
Instagram: https://www.instagram.com/thehighlysensitiveleader
LinkedIn: https://www.linkedin.com/in/siralaurel
Substack: https://substack.com/@thehighlysensitiveleader

🤝 CONNECT WITH DWIGHT HECK
Website: https://giveaheck.com
Podcast: https://giveaheck.com/podcast
YouTube: https://www.youtube.com/@GiveAHeck
Facebook: https://www.facebook.com/dwight.heck/
Instagram: https://www.instagram.com/give.a.heck/
LinkedIn: https://www.linkedin.com/in/dwight-heck-65a90150/
TikTok: https://www.tiktok.com/@giveaheck

📣 If this episode resonates, share it with someone who needs to hear it.
Subscribe, leave a review, and continue choosing to Give A Heck.

Welcome to the Give A Heck Podcast with Dwight Heck—where real conversations meet real life change.

In Episode 291, Noah May shares his powerful journey through depression, anxiety, and suicidal ideation starting at just 13 years old. What began as silent suffering turned into a defining moment when he chose to speak up. This episode dives into the realities of mental health, the impact of isolation, and how finding your voice can create purpose—not just for yourself, but for others who need to hear it.

If you’ve ever struggled in silence, questioned your direction, or felt like no one understands what you’re going through—this conversation will resonate.

Expect honest discussion around:
• Depression and anxiety in youth
• The physical toll of mental health struggles
• Breaking the stigma—especially for men
• Turning pain into purpose
• Why speaking up is the first step toward healing

This is not theory. This is lived experience.

🎧 Listen now and take the first step toward change.

🤝 CONNECT WITH NOAH MAY
Website: https://noahspodcasts.com/
Facebook: https://www.facebook.com/713902225134300
Instagram: https://www.instagram.com/thenoahshowww
LinkedIn: https://www.linkedin.com/in/noah-c-may
TikTok: https://www.tiktok.com/@thenoahshowww
X / Twitter: https://www.x.com/noahspodcasts
YouTube: https://www.youtube.com/noahspodcasts

🤝 CONNECT WITH DWIGHT HECK
Website: https://giveaheck.com
Podcast: https://giveaheck.com/podcast
YouTube: https://www.youtube.com/@GiveAHeck
Facebook: https://www.facebook.com/dwight.heck/
Instagram: https://www.instagram.com/give.a.heck/
LinkedIn: https://www.linkedin.com/in/dwight-heck-65a90150/
TikTok: https://www.tiktok.com/@giveaheck

📣 If this episode resonates, share it with someone who needs it.
Subscribe, leave a review, and continue choosing to Give A Heck.

What does it actually take to create permanent change in your life?

In this powerful episode of the Give A Heck Podcast, Dwight Heck sits down with Stanley Bronstein, a man who transformed his life by losing over 200 pounds naturally without surgery or medication. But this conversation goes far beyond weight loss.

Stanley shares the defining moment that forced him to face the truth about his future and ask a simple but life changing question — are you willing?

Through decades of struggle, emotional eating, and temporary fixes, he discovered that real transformation does not come from motivation or quick solutions. It comes from discipline, consistent action, and a mindset rooted in long term thinking.

You will hear how Stanley rebuilt his life through simple but powerful habits, why most people fail when trying to change, and how his system, The Way of Excellence, can help you simplify the process of creating a life of purpose and intention.

This episode is not just about health. It is about ownership, responsibility, and becoming the person you are capable of becoming.

If you are tired of starting over, this conversation will challenge how you think and how you act.

• Why temporary changes always lead back to old results
• The mindset shift required for lasting transformation
• Why discipline is more important than motivation
• How small daily habits create massive long term outcomes
• The power of asking yourself — are you willing

Explore more of Stanley’s work and teachings

🌐 https://thewayofexcellence.com/
▶️ https://www.youtube.com/@thewayofexcellence
💼 https://www.linkedin.com/in/stanleybronstein/
📝 https://healthymindbodyspirit.substack.com/

🌐 https://www.giveaheck.com/
🎙️ https://giveaheck.com/podcast/
▶️ https://www.youtube.com/@giveaheck
📘 https://www.facebook.com/dwight.heck/
📸 https://www.instagram.com/give.a.heck/
💼 https://www.linkedin.com/in/dwight-raymond-heck-65a90150/
🎵 https://www.tiktok.com/@giveaheck

You do not need to hit rock bottom to change your life.

You need to decide you are done tolerating what is no longer serving you.

🔥 What You Will Take Away🤝 Connect with Stanley Bronstein🤝 Connect with Dwight Heck📣 Final Thought

Chris Shurian shares powerful lessons on resilience, adversity, and personal growth shaped through real-life challenges and hard-earned experience.

In this episode of the Give A Heck Podcast, Chris opens up about what it truly means to navigate difficult seasons, take personal responsibility, and continue moving forward when life does not go as planned.

This is not theory.

It is lived experience.

Through what he calls “bootstraps and battle scars,” Chris shares insights into how adversity shapes character, builds resilience, and forces clarity in the decisions we make.

The conversation explores the importance of mindset, leadership, and ownership in building a life that reflects your values and direction.

You will hear how real growth often comes from the situations we would rather avoid, and why embracing those moments can be the difference between staying stuck and moving forward.

This episode is for anyone who is navigating challenges, seeking clarity, or looking to build a stronger, more intentional path in life.

Because growth is not always comfortable, but it is always necessary.

🎙️ Give A Heck Podcast
Real conversations about purpose, personal growth, financial stewardship, mindset, faith, and intentional living.

🤝 Connect with Chris Shuria

Bootstraps and Battle Scars
https://bootstrapsandbattlescars.com

Facebook
https://www.facebook.com/shurian.chris.rachel

YouTube
https://www.youtube.com/@chrisshurian2025

Instagram
https://www.instagram.com/shurianchrisandrachel/

LinkedIn
https://www.linkedin.com/in/chrisshurian/

🤝 Connect with Dwight HeckGive A Heck Website
https://www.giveaheck.com/

Podcast
https://www.giveaheck.com/podcast/

YouTube
https://www.youtube.com/@giveaheck

TikTok
https://www.tiktok.com/@giveaheck

LinkedIn
https://www.linkedin.com/in/dwightheck

Instagram
https://www.instagram.com/giveaheck

Facebook
https://www.facebook.com/dwight.heck/

Most people have a moment that quietly shapes the direction of their life.

For Aaron Ryan, that moment happened in second grade.

A simple classroom assignment became the starting point for a lifelong journey that led to writing more than 40 books, building a creative career, and staying committed to a purpose-driven path.

In this episode of the Give A Heck Podcast, Aaron shares what it really takes to turn an early spark into a sustained, meaningful legacy.

This is not just about writing.

It is about
• discovering your calling and acting on it early
• building discipline and consistency over time
• creating something meaningful in a distracted world
• staying aligned with your values and purpose

Aaron also shares insights into storytelling, creativity, and how the landscape is changing with new technologies while still requiring authenticity and commitment.

If you have ever felt called to create something more, to step into your purpose, or to build something that lasts, this episode will challenge and inspire you.

Because the biggest regret is not failure. It is never starting.

🎙️ Give A Heck Podcast
Real conversations about purpose, personal growth, financial stewardship, mindset, faith, and intentional living.

Website
https://authoraaronryan.com/

Facebook
https://www.facebook.com/authoraaronryan

X
https://x.com/authoraaronryan

YouTube
https://www.youtube.com/@authoraaronryan

Instagram
https://www.instagram.com/authoraaronryan

LinkedIn
https://www.linkedin.com/in/authoraaronryan

TikTok
https://www.tiktok.com/@authoraaronryan

Give A Heck Website
https://www.giveaheck.com/

Podcast
https://www.giveaheck.com/podcast/

YouTube
https://www.youtube.com/@giveaheck

TikTok
https://www.tiktok.com/@giveaheck

LinkedIn
https://www.linkedin.com/in/dwightheck

Instagram
https://www.instagram.com/giveaheck

Facebook
https://www.facebook.com/dwight.heck/

🤝 Connect with Aaron Ryan🤝 Connect with Dwight Heck