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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

Behavioral psychology explains why people say yes, and in part two of this conversation Patrick Van Der Burght walks through all seven universal principles of persuasion and the framework that decides which one to use. Patrick is one of a small number of trainers worldwide licensed directly through the Cialdini Institute, a founding member of that institute, a business partner of Dr Robert Cialdini, and the author of How to Hear YES More Often. He has spent 26 years teaching this material to professionals around the world, and every piece of it rests on research rather than instinct. What you will learn: All seven universal principles of persuasion, explained with real examples The three stage framework of relationship, uncertainty and motivation Why there is no single most powerful principle The optimal average review score range, and why five stars costs you credibility How rounded numbers damage believability, and what to use instead How a principle can be used backwards and work against you Connect with Patrick Van Der Burght: Ethical Persuasion Website: https://ethicalpersuasion.com.au/ Patrick Van Der Burght Profile: https://patrickvanderburght.com How to Hear YES More Often: https://yesmoreoften.com/ Ethical Persuasion Unlocked Podcast: https://ethicalpersuasion.com.au/podcast/ YouTube: https://www.youtube.com/@ethicalpersuasion LinkedIn: https://www.linkedin.com/in/patrick-van-der-burght/ Facebook: https://www.facebook.com/ethicalpersuasion/ Instagram: https://www.instagram.com/ethical_persuasion/ TikTok: https://www.tiktok.com/@ethicalpersuasion Connect with Dwight Heck: Give A Heck Website: https://www.giveaheck.com Podcast Page: https://www.giveaheck.com/podcast YouTube Channel: 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 Work With Me / Be a Guest: https://www.giveaheck.com/contact-us/

What is the number one skill employers want most that almost nobody has been formally taught? Patrick Van Der Burght has spent 27 years studying exactly why people say yes, not through manipulation, but through science, and in this episode he shares what he found. Patrick is a founding member of the Cialdini Institute, one of a small number of Cialdini Institute Licensed Trainers worldwide, a business partner of Dr. Robert Cialdini, and ranked 4th among Cialdini Certified Trainers globally. He has been teaching ethical persuasion since 2000 and is the co-author of How to Hear YES More Often. This is Part 1 of 2. Part 2 covers the seven universal principles of persuasion in depth. What you will learn: Why most professionals are losing opportunities they never even know they lost The three-stage framework: relationship, uncertainty, and motivation Why 150 percent more people acted with loss framing than gain framing The difference between manipulation and ethical persuasion Why persuasion is the third most in-demand soft skill according to the World Economic Forum Connect with Patrick Van Der Burght: Website: https://ethicalpersuasion.com.au Personal Site: https://patrickvanderburght.com Podcast: https://ethicalpersuasion.com.au/podcast YouTube: https://www.youtube.com/@ethicalpersuasion LinkedIn: https://www.linkedin.com/in/patrick-van-der-burght/ TikTok: https://www.tiktok.com/@ethicalpersuasion Facebook: https://www.facebook.com/ethicalpersuasion/ Instagram: https://www.instagram.com/ethical_persuasion/ Twitter / X: https://x.com/yesmoreoften Free Resources: https://ethicalpersuasion.com.au/free-influence-persuasion/ Discovery Call: https://ethicalpersuasion.com.au/discovery-call/ Connect with Dwight Heck: Website: https://www.giveaheck.com Podcast Page: 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 Work With Me / Be a Guest: https://www.giveaheck.com/contact-us/

Eight years into joint custody, one question from his own kid changed everything. Dwight Heck closes his three-part solo arc with the decision that was never about his body or his career; it was about the kind of father he was going to be. Dwight starts with his own father, present as a provider but largely absent as a communicator, the same pattern he found himself repeating with his own kids during his first business, until a lightbulb moment led him to take every summer off. The harder decision came later. During one of their near nightly phone calls, one of his kids asked when they got a say in where they lived, and when enough was enough. Dwight said now, and went and got them, choosing to become the present father he never had over pushing a successful financial business toward a seven figure income. In this episode you will hear: ✅ Why Dwight's relationship with his own father shaped the kind of father he decided to become ✅ The exact phone call, eight years into joint custody, that changed everything ✅ Why he chose to shelve a seven figure business dream to become a present, engaged father ✅ What being present actually looked like day to day, from savings baggies to a roller blades deal ✅ How raising five kids largely on his own shaped the financial coach he is today ✅ How this decision closes the thread running through all three decisions in this solo arc Full show notes: [EPISODE URL ON GIVEAHECK.COM, PENDING PUBLISH] Connect with Dwight Heck Give A Heck Website: https://www.giveaheck.com Podcast Page: https://www.giveaheck.com/podcast YouTube Channel: 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 Contact / Be a Guest: https://giveaheck.com/contact-us/ Enjoyed this episode? Leave a review or rating right here in Spotify, or at ratethispodcast.com/giveaheck About Dwight Heck: Dwight Heck is a financial and life coach, and career coach, licensed in Alberta and British Columbia, host of the Give A Heck Podcast, and the Amazon bestselling author of Give A Heck: How to Live Life on Purpose and Not by Accident. After living paycheck to paycheck as a single father of five, he built a career and a show around helping people live intentionally instead of by accident.

He talked his way into fixing a mainframe he had no training for. Nine years later, a health crisis forced the career change that would define the rest of his life. In this solo episode, Dwight Heck continues the Not by Accident: Three Decisions arc with the story of the professional risk that reshaped everything. Before the mainframe, there was an earlier bet on himself at fifteen and sixteen, an early lesson in entrepreneurship that failed before it ever really started, once he ran the actual cost math. That lesson mattered when, fresh out of an electronics engineering diploma, Dwight volunteered to fix a mainframe connection problem he had no formal training to solve, working until 2 a.m. multiple nights to get it done. Nine years into a leadership role with no real work-life balance, after a grueling client contract and five days without sleep, Dwight's body gave out. He was diagnosed with Bell's palsy, a health crisis serious enough to leave him temporarily unable to drive or fully care for his kids during his joint custody time. That crisis forced the career change into finance, and years later, that decision helped one couple go from ninety days away from financial ruin to their first paid vacation in over a decade. In this episode you will hear: ✅ Why a side hustle at fifteen and sixteen failed before it even started ✅ How Dwight talked his way into fixing a mainframe he had no training to solve ✅ Why nine years in IT consulting, and a leadership role with no real work-life balance, meant one happy client for every nine who were not ✅ What a five day stretch without sleep on a single contract actually cost him ✅ What happened the day Bell's palsy hit, and what the recovery required ✅ Why a friend's mention of finance was not what actually convinced him to make the leap ✅ What that career change produced years later for one couple he coached Full show notes: www.giveaheck.com/podcast Connect with Dwight Heck Give A Heck Website: https://www.giveaheck.com Podcast Page: https://www.giveaheck.com/podcast YouTube Channel: 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 Contact / Be a Guest: https://giveaheck.com/contact-us/ Enjoyed this episode? Leave a review or rating right here in this player, or at ratethispodcast.com/giveaheck. About Dwight Heck: Dwight Heck is a financial and life coach, and career coach, licensed in Alberta and British Columbia, host of the Give A Heck Podcast, and the Amazon bestselling author of Give A Heck: How to Live Life on Purpose and Not by Accident. After living paycheck to paycheck as a single father of five, he built a career and a show around helping people live intentionally instead of by accident.

At fourteen, doctors and well-meaning adults told Dwight Heck what his body would never let him do. Decades later, an injured Achilles tendon couldn't stop him from hiking Zion's Narrows. In this solo episode, Dwight tells a story he has never shared on the podcast before: severe, uncontrolled asthma as a child, a scoliosis diagnosis at 13, and choosing a caged steel body brace over spinal surgery at 14, worn twenty-three hours a day for almost three years. He explains why tenacity is a superpower, how a paper route at 12 proved it, and why an injury three weeks before a planned hike through The Narrows in Zion National Park was never going to stop him from going. This is Part 1 of a new three-part solo arc, Not by Accident: Three Decisions. In this episode you'll hear: ✅ Why severe asthma before rescue inhalers existed shaped a childhood ✅ How a scoliosis diagnosis at 13 led to a three-year choice between surgery and a brace ✅ What wearing a caged body brace twenty-three hours a day actually involved ✅ Why well-meaning caution from adults can do as much damage as a diagnosis ✅ How a paper route at 12 became proof that tenacity is a superpower ✅ Why an injured Achilles tendon didn't stop a hike through Zion's Narrows ✅ What to do with your own version of a ceiling someone else handed you Full show notes: [EPISODE URL ON GIVEAHECK.COM, PENDING PUBLISH] Connect with Dwight Heck Give A Heck Website: https://www.giveaheck.com Podcast Page: https://www.giveaheck.com/podcast YouTube Channel: 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 Contact / Be a Guest: https://giveaheck.com/contact-us/ Enjoyed this episode? Leave a review or rating right here in Spotify, or at ratethispodcast.com/giveaheck About Dwight Heck: Dwight Heck is a financial and life coach licensed in Alberta and British Columbia, host of the Give A Heck Podcast, and the Amazon bestselling author of Give A Heck: How to Live Life on Purpose and Not by Accident. After living paycheck to paycheck as a single father of five, he built a career and a show around helping people live intentionally instead of by accident.

Your subconscious mind is running your decisions, and most people have no idea. Janylène Turcotte spent 25 years as a senior HR executive, the last eight as National Talent Director at Deloitte. She coached hundreds of people through high-stakes interviews. Then her corporate career ended on someone else’s terms, and three days later she sat down for a VP interview at a bank and could not answer a single question. That frozen moment cracked open the gap between knowing and doing, and launched her into a second career as a clinical hypnotherapist trained in Rapid Transformational Therapy under Marisa Peer. JT has now completed over 1,500 sessions with entrepreneurs and senior leaders. Her method, Peel Back, Rewire, Rise, is built on the conviction that you cannot rewire what you have not first peeled back. The Peel Back step, accessing the unconscious stories driving your behaviour, is the step most coaches skip. What you will learn: Why knowing is not the same as doing and what actually lives in the gap What a frozen interview reveals about the unconscious beliefs running your life How nine years of sobriety taught JT more about the mind than any certification Why the Peel Back step is the one most coaches skip and why that matters Why she lost more friends when she stopped fawning than when she stopped drinking The two fears that block most transformations: fear of being alone and fear of judgement Connect with Janylène Turcotte (JT): Website: https://www.hypnocoach.ca Podcast: https://www.hypnocoach.ca/podcast YouTube: https://www.youtube.com/channel/UCzF3eyJFsJgDIIlE5Ow-D1g LinkedIn: https://ca.linkedin.com/in/janylene Instagram: https://www.instagram.com/hypnocoach_janylene_aka_jt/ Facebook: https://www.facebook.com/janylene.turcotte.2025/ Book a free 30-minute strategy call: https://www.hypnocoach.ca/workwithme Connect with Dwight Heck: Website: https://www.giveaheck.com Podcast Page: 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 Work With Me / Be a Guest: https://www.giveaheck.com/work-with-me