Ep. 154 - Jermaine Chaney - Run Those Steps!

[00:00:11] Dr. Rob Bell, Dr. Rob Sits Down With Athletes, Executives, and Expert Coaches To Talk About Mental Toughness and Their Hinge Moment. Here's your host dr. Rob.

[00:00:37] How did that push you then, just even at that young age, seeing what she was accomplishing and then tried to reach that?

[00:00:44] Yeah, it was kind of comical, I mean, you had to laugh. If you didn't laugh, you was crying. But I remember Jelly Bean Field Day.

[00:00:53] you know and somehow I didn't have this concept of okay I just ran to win not necessarily running

[00:01:01] for a time right somehow I'd missed that and I just would barely you know I would walk and then

[00:01:08] I'd run and be whoever and and so I remember when I came home I was so excited and I had all these

[00:01:14] rainbow of ribbons and you know red and blue and yellow and orange and all these other colors

[00:01:23] and I remember my sister she looked at my ribbon she said man I didn't know they made those other

[00:01:30] colors and so clearly I was dejected because the only color she was aware of is blue and blue is

[00:01:39] first place so our guest today on the mental toughness podcast he has owned his own financial

[00:02:01] services business since 2004 played football in the CFL the World Football League also known as NFL

[00:02:08] Europe and also played in the NFL he's a member of FCA Big Ten Advisory Board as well as a member of

[00:02:19] the NFL Players Association he earned his bachelor's degree at at Indiana University where he played as

[00:02:26] well as you can see and he got his MBA from Grace College he is a father and well he's a husband and

[00:02:35] father of four kids our guest today owns Cheney Financial Group making plays that build wealth and

[00:02:43] tackling debt great line our guest today I'm excited for this conversation is Jermaine Cheney Jermaine thanks

[00:02:50] so much for joining us man hey doc really appreciate the opportunity be able to hang out with you for a

[00:02:56] little bit absolutely man glad we got to get this uh occurred man and happen yes I want to start out

[00:03:03] like talk to us about growing up in in Athens Georgia like as as a young age childhood you're the youngest

[00:03:09] of three you even talked and I heard you speak one time you were talking about I mean there were many

[00:03:16] times that you just didn't sleep well I mean no one ever came over for a sleepover talk to us about what

[00:03:21] it was like growing up for you yeah I mean oftentimes when you are young man you don't really know

[00:03:29] sometimes you think things are just normal this is just how it is at times uh but yeah living in uh

[00:03:37] Athens and and obviously like anyone else who lives in Georgia you've been indoctrinated to be a Georgia

[00:03:45] Bulldog so I started George excuse me drawing Ugga when I was in kindergarten and so um I had the

[00:03:55] opportunity I gotta call I had an opportunity to um be a part of the Boy Scouts and

[00:04:07] through that uh organization we were able to chaperone all the home Georgia football games and that

[00:04:14] just was that was awesome you know met Vince Doolin Herschel Walker when I was uh real young around about

[00:04:22] 10 11 years old and um and I think I told him then I was coming to Georgia so having opportunity just to

[00:04:32] kind of grew up in Georgia and yeah it's been a lot of things that's been uh I say impactful that has

[00:04:40] helped kind of shape and mold me you know as a 51 year old man today when um when you started

[00:04:51] competing in sports I mean that was always an outlet for you right oh for sure for sure

[00:04:58] for sure you talked about I mean you won the 100 and 200 in the state of Georgia but you always talked

[00:05:05] about I mean your goal was to like beat your sister in a race that's it that's it I mean when you're

[00:05:12] younger and you know one thing about when you are the baby you know we went to every last track meet

[00:05:21] that my sister ever ran she was in the band she was a drum major she was in the choir um and so my goal

[00:05:31] early man if I could beat her running I I thought I had a real chance if I could beat her running

[00:05:38] my brother man I just could outwork him and but my sister man she ran so effortlessly

[00:05:48] that uh man okay man if I could beat her I could be fast so it's kind of like Reggie and Cheryl Miller

[00:05:56] right like Reggie would score 40 Cheryl would score 100 I mean you're you're growing up and you can't

[00:06:03] and you can't clip her how did that push you then just even at that young age seeing what

[00:06:07] what she was accomplishing and then trying to reach that yeah it was kind of comical I mean you had

[00:06:14] to laugh if you didn't laugh you was crying but I remember jelly bean field day you know and somehow

[00:06:21] I didn't have this concept of okay I just ran to win not necessarily running for a time right somehow

[00:06:29] I missed that and I just would barely you know I would walk and then I run and be whoever and

[00:06:36] and so I remember and I came home I was so excited and I had all these rainbow of ribbons

[00:06:43] and uh you know red and blue and yellow and orange and all these other colors colors and I remember my

[00:06:52] sister she looked at my ribbon she said man I didn't know they made those other colors

[00:06:58] and so um clearly I was dejected because the only color she was aware of is blue and blue is first

[00:07:06] place so uh but yeah I mean it was um she was in town uh here about a week or so ago which is always

[00:07:16] awesome to hang out with you know still your uh man your your your real champion in life and just

[00:07:25] how she's been able to to pivot and navigate and being able to go back to school and finish her

[00:07:33] degree and she got her mba and she's in in school now of actually uh completing her doctorate degree

[00:07:40] nice yeah growing up you know on this podcast obviously with mental toughness but we always talk

[00:07:47] about hinge moments and hinge people that happen in life talk to us about the impact that uh coach ward

[00:07:55] had in your life well i mean coach ward is on a i mean he's on a special platform um for me in my

[00:08:06] my life and i mean really the platform of actually family um when i first started playing breck football

[00:08:14] um and he coached me then uh i remember riding in the back of his ford um pickup truck it was a gear

[00:08:25] shift had a little stick and he would pick me up and pick other players up and so you get this mindset

[00:08:31] of man as a coach you know you're not only coaching kids but you actually are picking them up and so

[00:08:37] you know for for my family that was always beneficial to know that man okay coach ward is is picking us up

[00:08:46] my parents don't have to get off of work early to come and then be taking us to practice so man he

[00:08:52] filled in in many many ways uh rob or to the point that man i don't know how my life really would have

[00:09:03] been uh able to uh have these opportunities if you didn't have these people who were you know i'm gonna

[00:09:11] say cornerstones that were in your life man he coached me from from afro to no afro so um all the way up to

[00:09:20] my senior year in high school and i remember he told me something once i had a injury and uh i played

[00:09:30] running back i mean clearly i think you guys probably know that played running back and i remember i had

[00:09:36] i had pulled some cartilage away from my ribs and uh man it it just hurt to breathe they laughed

[00:09:44] to whatever and i remember he told me he said with your main your 70 percent is most people's 100 percent

[00:09:53] so i played and um i mean did well and all that other good stuff but um yeah so he's been

[00:10:02] even still to this day i lost both of my parents um and almost four years ago can't even believe to say that

[00:10:09] and uh when i called him he said of course you're staying with us right and so um excuse me we rolled

[00:10:19] pretty deep having four kids and trying to get everybody in the house or hotel to fit so we we

[00:10:25] stayed with him and man they just uh cared for us uh to the point that it was just uh just relaxing

[00:10:33] to know that you were uh with with family yeah yeah when you were playing then in high school talk to us

[00:10:44] about when you uh start to get when you started to get recruited and then um your teacher uh

[00:10:53] actually said a an important uh quote for you and that was just what percentage of athletes

[00:11:00] graduate graduate on time that that was the question she wanted you to be able to ask but

[00:11:03] talk to us about that process and then how you ended up at uh at iu yeah um yeah miss cox anita cox uh

[00:11:13] tremendous uh teacher some days she loved me some days she wanted to strangle me and so but she was

[00:11:22] uh very outspoken in terms of helping me formulate really just the right questions to ask you know these

[00:11:31] you know million billion dollar industry called colleges and so um i remember i just said hey miss cox i

[00:11:41] didn't i mean how what questions should i ask and so i visited you know uh

[00:11:50] many schools but she told me she said ask them what's the percentage of athletes that graduate on

[00:11:56] time and i didn't know how how deep that question was growing up you know like i said living in

[00:12:05] athens and watching the bulldogs i knew a lot of watch a lot of running backs come out of there

[00:12:11] and never graduate you know i'm sure it's probably still the same even now go to school play ball

[00:12:21] pro or no pro and still don't really graduate and so um that question i remember when i my first

[00:12:31] recruit visit was to auburn and i get there man and and it was interesting uh doc when i would visit

[00:12:40] some of these institutions going to auburn first place we went you know stadium weight room i get go to

[00:12:48] old miss same thing stadium weight room i go uh clemson stadium weight room um and then when i went to

[00:13:00] iu it was academic advisor's office then stadium and uh funny story i remember i was at tennessee

[00:13:10] and uh coach was like man you know how you how you like it you know all the hype show and

[00:13:17] and i said coach i just got one question what's the percentage of athletes that graduate on time he

[00:13:22] said man you ready to run that ball and so it was always excuse me comical just to hear

[00:13:29] that man okay you've got more you're you've got a question that at least allow for some of these

[00:13:37] institutions to pause and realize what type of student athlete that they have that's have

[00:13:43] interest in coming and playing for them so um i'll still give a shout out to marge belal marge is

[00:13:51] probably 91 years old uh i took my son down about uh last year sometime two years ago and uh just to

[00:14:00] hang out with her and tell her how much i appreciate her and love her and and how she was have been

[00:14:07] instrumental in helping me complete complete what i came to school to do and that was the graduate

[00:14:13] yeah i love that man so you asked yes ut coach was that majors at that time um i think it was

[00:14:26] i know auburn was like pat die pat whatever i think yeah so you ask him what percentage graduates

[00:14:33] and he just like were you ready to run the ball yeah iu uh doc was the only school that gave me a

[00:14:41] percentage and it was 82 and so to to fast forward and i think all these years and then to serve on the

[00:14:52] big 10 advisory board you know 12 15 years or so and it was kind of like a deja vu you know it was just

[00:15:02] even uh keeping uh university keeping track from you know from football to basketball

[00:15:10] you know to baseball and and why and some certain sports either had a higher you know graduation rate

[00:15:18] than others but you know like baseball those guys traveled all the time and so that makes it pretty

[00:15:24] difficult to be able to maintain or have some better averages and and one thing that we noticed was

[00:15:32] uh over a period of time uh through being a part of that big 10 advisory commission is uh uh football

[00:15:40] and basketball were generally probably some of the sports that had a higher percentage of graduation rates

[00:15:48] so when bobby knight was there you know it was another kind of point or issue that he wanted to make sure

[00:15:56] that was addressed and make sure guys are are graduating and i think with coach mallory as well that was

[00:16:02] another level of pride and saying hey man our guys come here they play well they compete well maybe they

[00:16:10] get a chance to continue to keep playing but hey guess what hey they uh they graduated on time

[00:16:16] yeah yeah yeah love that man so you start to get um good at at your skill and then um and you kind of

[00:16:27] talked about how faith started to play a role in your life at this time but as a young kid uh you talked

[00:16:33] about uh you know another hinge moment about you know an individual at a party and uh and just a beer

[00:16:43] bottle so you could pick it up from there and yeah yeah that's um you know every day i get a constant

[00:16:52] reminder of making good decisions and bad decisions uh to the point there's a there's a scar that's about

[00:17:02] an inch away from my juggler and and and as and this is for everyone as athletes or or if you've got a

[00:17:11] kind of a certain standard in your life and you still are kind of hanging around the edges of of

[00:17:19] of even setback or getting in trouble and all those other things you know you know scripture says to flee

[00:17:27] and run you know if you're kind of in that type of situation you know that you think this man this is

[00:17:34] way outside of my character so i was at a party you know just because you had a party doesn't mean

[00:17:42] everybody loved you right and so number one number two um um yeah the surroundings are different you

[00:17:52] know when i think back and look at even like it wasn't really any of my teammates was at this party

[00:18:00] right and so um i just assumed that hey was just something else it was my senior year

[00:18:07] you know i'm you know i'm you know i'm just there kind of hanging out and long short short

[00:18:14] uh got into i won't say i got into a confrontation the confrontation happened and i was just still

[00:18:22] trying to figure out what in the world happened but i got hit over the head with a bottle with the

[00:18:27] idea that i i think the guy's girlfriend like me more i mean we all know this when you are

[00:18:35] uh an athlete and you've been able to have success you know people read the paper it's no different now

[00:18:42] you know and you've got people that just want to be around you and not all of them are the right

[00:18:48] people that need to be around you from that standpoint so uh that incident man my pride was you know

[00:18:56] it was shattered and man i almost contemplated of just forfeiting going to college and then just

[00:19:04] really being able to go and just uh give myself up and go to jail because i was i was uh yeah i was

[00:19:13] definitely i was hurt um and then i was just i felt like it was uh humility as well that kind of took

[00:19:20] place within that event and uh but man i i had to the only way you know to remove or get rid of

[00:19:29] you know that remind us or that anger that you're dealing with you know only way to do that man you gotta

[00:19:36] you actually have to um you know ask the lord just to take it away you know and um and oftentimes the

[00:19:46] best way to move on is to even forgiving the person who had wronged you from that standpoint

[00:19:55] you know and so when you're dealing with issues and circumstances that are so great i mean the best

[00:20:03] way to you to get rid of it is man is ask the lord to you know obviously give it away are you

[00:20:08] or if that person wronged you or not you should be like hey you know lord i'm i'm i'm forgiving them

[00:20:15] right i'm releasing this burden or this debt you know that i've been wronged and jesus was wrong

[00:20:23] right you know but man he he basically preached about forgiveness right and even if someone

[00:20:31] you know hits you you know or whatever you know um it's still not to the mindset of having

[00:20:39] retaliation back that's gonna make it even better usually it compounds the issue right

[00:20:44] no i love that man it's such a righteous statement because that opportunity actually came where you ran

[00:20:50] into him oh yeah later on oh yeah yeah man i i i won't say i almost lost my religion but man

[00:21:01] um you know when someone's wrong you and then you never see them and you know years have went by

[00:21:10] and then you go back home and uh this i could see him kind of from a distance but i ended up you know

[00:21:20] once i thought i saw him you know i knew that was him and uh i had told my teammate who was with me

[00:21:28] about him about the situation that took place and um you know all right huh were you at a mall kind of

[00:21:37] environment yeah we were in the mall and he was um at this jury store and you could i could see in

[00:21:45] the jury store and um man i got as close as you can get to somebody i mean like i mean he i'm sure he could

[00:21:54] smell my cologne my deodorant you know my mouthwash everything because i i purposely i mean i i was

[00:22:05] it wasn't like oh he's far away like no i was like literally right there and i i had some weak moments

[00:22:12] of thinking and you know taking him and slamming him through the the glass but man i didn't you know

[00:22:18] i want to go back to school and not go to jail but um you know but like whatever that anger that i had

[00:22:27] even then what it did not uh it was totally different than when i had a decision to not go to college

[00:22:36] and to go and and you know kind of beat this guy up and go to jail for it but but you know when

[00:22:45] when you're still able to take some things away or ask the lord to remove some things guess what he does

[00:22:52] it and i truly believe that's the restraint that the holy spirit provides for us man just to be able

[00:23:00] to still walk in a way man that's still worthy you know of the lord and that we at least have some sense

[00:23:07] of aroma of christ and the things that we used to do we don't do those things anymore so thank thank the lord

[00:23:16] man i wasn't um i mean i wasn't consumed with anger and revenge right you know the only the main person

[00:23:29] that i know who got the raw deal was jesus you know um and man he he he gave up himself for that

[00:23:39] and that was something that i'm i'm uh always mindful of on what it feels like to give up

[00:23:47] give up something you know that you that you've you've had this misplaced value with right you think

[00:23:55] my pride is more valuable than me going to college my pride is more valuable than than uh me of just

[00:24:04] giving up something that i've worked for for years and years and then to just to to hand it away like

[00:24:12] that so man thank the lord that um i had a buddy that was there man and you know he he got a little

[00:24:19] hype but then he was like man no bro it ain't worth it it ain't worth it hey good looking

[00:24:43] if you like this podcast and are already a badass but it's all way too complicated then visit our

[00:24:50] website dr robbell.com and schedule a call with us to help capture your very own hinge moment

[00:24:56] you said something interesting you talked about the aroma of christ can you elaborate on that

[00:25:15] well i mean in scripture it talks about um you know the aroma or the presence

[00:25:24] of who you've kind of have spent time with you know and so as athletes and we think that we can

[00:25:33] and it's like me i mean i'm perfect example uh doc i'm glad you brought that up uh that i think i can

[00:25:42] be in be in environments you know as if i'm in here with um a uh you know this shield that's gonna

[00:25:52] prohibit me from getting in any kind of trouble um and so you know what scripture talks about is with

[00:26:00] jesus it's like man i've been you've been spending time with jesus that man you you sound different

[00:26:08] you you walk different and it it uses the word aroma because you know when you let's say you um

[00:26:17] you get this new cologne or whatever and uh and you put it on and man it just smells so good and

[00:26:25] then you go somewhere else and then you could almost still sense the aroma still there in the air right

[00:26:32] and so um you know we got to be mindful on you know where we spend our time with right and the people

[00:26:41] who we spend our time with and and if they are going completely the opposite direction of where you

[00:26:49] headed it probably wouldn't be a good situation for you to continue to um really encourage that

[00:26:56] relationship but guess what you know that you know before you had influence and now your influence is

[00:27:03] gone because now you really wasn't strong enough to handle um someone else's um agendas that can

[00:27:13] derail you with anything that you're trying to do yeah i appreciate you elaborating on that man that

[00:27:20] totally makes sense with uh when when christ in your life and then the direction that you took in terms of

[00:27:30] um playing in the cfl you played in nfl europe uh which which i remember and um and then you got the

[00:27:38] call to uh to play for the colts uh-huh can you share with us and pick us up from that that part of your

[00:27:46] journey yeah well um you know rob i i you know man number one i graduated and this is to give you just

[00:27:58] to set the tone so i graduated and then really you know i had teammates had draft parties and and it's

[00:28:08] interesting you know you could be in a party and this guy is is um you know got drafted and you're just

[00:28:17] still waiting right and so um so long story short uh when i didn't get picked up i i ended up

[00:28:27] receiving a call and and and basically i went to canada i went to ottawa canada i show up

[00:28:35] and you know the big 10 is is a unique situation you know but i just almost felt like it just was

[00:28:42] second class when i went to canada because it was just different i mean you gotta they said hey you're

[00:28:49] a professor you got to take care of all these other things i'm like man that just doesn't make any

[00:28:53] sense so while i was there um um it was it was cool it was just different you know i didn't have a

[00:29:02] spirit of being grateful right because i still felt like i should have been at least gotten a look

[00:29:10] to play you know in the um as they say in the league and so uh so once my season was over there

[00:29:18] you know i would go back to bloomington man i would wash trucks in the rain at ups i would sling

[00:29:25] shoes at footlocker you know and that was just kind of my little routine i would still had the access

[00:29:32] to go over and work out and do anything i needed on that end and that's obviously the benefits of

[00:29:38] staying in bloomington uh but then when i moved to indianapolis now i'm i'm slinging shoes at footlocker

[00:29:46] at laffitt square mall i'm um man i'm in the service business which is just crazy and then you also think

[00:29:55] about just the the humility you know that comes with you know still trying to play still wanting to play

[00:30:04] and um yeah case in point i had a guy when i was at laffitt square mall um he came in didn't say

[00:30:15] anything but man he just really encouraged me and so anytime if we talk to my kids if we go out

[00:30:21] anywhere they know i'm either talking to somebody and encouraging somebody so this guy and i'm

[00:30:28] probably going ahead of this doc because i might be jacking up your stuff here but um it's good it's

[00:30:33] perfect i mean he's just encouraged me so much so then then thinking of it my manager was like hey

[00:30:42] cheney are you working today because you leaning on everything and you talking this guy for an hour man

[00:30:48] like get to work i said i am working i'm working so fast forward uh when i got back from canada

[00:30:56] and one of my um teammates mom was the secretary for the falcons for over 30 something years

[00:31:05] you know fast forward and uh i ended up getting an opportunity or getting drafted and played in nfl

[00:31:12] europe and so when i met this guy this was like two years later and so i ended up getting picked up here

[00:31:22] with the colts and uh and i go in the locker room it's running backs dbs peyton was one of the first

[00:31:31] persons that came up introduced himself um and uh so anyway i'm in the locker room i'm excited

[00:31:38] this guy comes in man he looks so familiar staring at him and like man okay i finally figured out i

[00:31:47] said man this is a guy from footlocker really he never told him his name and so for some reason doc

[00:31:55] i just felt like i need to i don't know why i was whispering in the locker room which was kind of funny

[00:32:00] so i go over to him i said hey man this is jermaine man you remember me from footlocker

[00:32:05] and man he was so excited that um i was able to you know quote unquote make it

[00:32:16] and to at least fill in the some of those gaps in there uh you know doc you know when you are after

[00:32:24] something right um and and you explain to someone else that you're after something you know oftentimes

[00:32:32] they don't get it and i don't expect them to get it there was so many times when i got back from

[00:32:38] canada man i'm running routes with my old quarterback chris ditto um and i'm doing whatever i have to do

[00:32:47] no one was filming anybody right and so even you know and with a degree hey man you should go there

[00:32:55] no i still feel like i'm i can play and i had more people tell me let it go than to say hey go ahead

[00:33:04] man stay at it i would go and run the stadium stairs at iu i would go around the track i ran track in

[00:33:11] college and so um man i was just you know my mindset was just resilient man i wasn't really concerned

[00:33:19] you know you always hear about having the blinders on man i just you know the the only people that was

[00:33:27] in my camp you know was my my parents and my girlfriend and that was it i didn't really i

[00:33:36] didn't think i needed anybody else right and so um but to you know to sum it up man when you've got a

[00:33:47] a goal and you're focused on the things that you know what you need to do don't take shortcuts shortcuts

[00:33:54] and your own goal right this is for you i mean like if i would have stopped playing after my senior

[00:34:03] year my senior year i had two knee surgeries left knee right knee um and then you wonder why i don't

[00:34:09] get drafted well you get two two knee surgeries as a running back that makes it pretty difficult

[00:34:15] and so um but you know even then they told me hey man just let it go i mean from then i i played

[00:34:25] six more seasons so think about what the lord has for you and how that matches up with what you

[00:34:33] have what you think you have for yourself and he's the one that knows the outcome you know and and

[00:34:42] faith as it says in scripture faith comes from hearing the word of god right and so if i'm shot

[00:34:51] if i'm shut down from hearing all these negativities and say hey man you need to let this go

[00:34:57] when do i finally believe that i still just didn't feel like the lord you know that i was done

[00:35:05] after college i just always felt like man i'm i still got more in the tank for this

[00:35:13] yep no i love it man absolutely want to listen to your favorite music but you're sick of all the

[00:35:20] commercial interruptions and negative news today tune into kukoradio.com music for your mindset

[00:35:27] we're a commercial free online radio station playing nothing but hits our free ios and android apps are

[00:35:35] available for download at kukoradio.com with um with that resilient mindset and then have that vision

[00:35:45] and perseverance to follow through with it and and then the faith how did that help you when you were

[00:35:52] you know an entrepreneur building your own financial services business um man that's a that's a great

[00:36:01] question um i remember you know of of being a former athlete and professional athlete and all that other

[00:36:11] stuff people you know somehow think that they can relate and especially if they've never played anything

[00:36:19] right they still think that they could relate and i gotta ask what do you what do you mean by that

[00:36:25] uh mean like they understand how it is how it was the setbacks you know the you know driving down

[00:36:35] to brown county doing i needed a hill that was steep enough that i could run up and down on and i was

[00:36:41] doing this stuff by myself right and so somehow people think oh i get it i read this book and they

[00:36:48] kind of talk like no man these are unique stories you know that man it was just me and the lord there

[00:36:55] and i was working on my craft right and so but i had this guy this was one of the i won't throw him too

[00:37:03] far under the bus uh but he was explaining to me about their firm and what they were doing and and almost

[00:37:11] like man i needed them right i mean the only person i need is jesus and so uh but i i i felt like

[00:37:22] he thought man just almost like leverage like he had some leverage over me which was kind of comical

[00:37:30] and i told him i said man i've i've been broke before i'm not afraid of being broke right

[00:37:38] and um it was funny how his expression changed on his face i mean you can just go and say that to

[00:37:46] 50 people 100 people like man i'm not afraid of being broke right i know how to work right

[00:37:53] in most cases you're broke because you don't work right you know circumstances happen and you just

[00:38:01] give up right that's to me that's the same as giving up right and um and so but anyway out of all

[00:38:10] of that i got referred to a financial planning firm that i was just grateful that they gave me an

[00:38:16] opportunity just to get involved because it's a different world and uh but i the lord only had me

[00:38:23] there for four years and so it wasn't like i had came out of there i had it all figured out doc

[00:38:29] i was still clueless but i was like man i figured out that i could i could be i could do bad by myself

[00:38:36] and uh i had an opportunity through my church at the time to take a mission trip to budapest

[00:38:43] so i went there for 10 days shared the gospel with young folks hung out i mean you know always love

[00:38:51] helping and i get back and i got together with the owner and said i'm gonna put in my two weeks and

[00:38:58] they said i could leave that day that was it and uh ran into one of my old colleagues

[00:39:06] at a golf outing and then my old sales manager called me for at least two or three years to see

[00:39:13] if i would come back but you know um you know the lord is the one that has you know our plans for us

[00:39:20] and um and it doesn't mean that i should walk around and live in fear right if my steps are

[00:39:28] already ordered man then run those steps don't walk those steps run them right because he's already

[00:39:35] got a plan he got it laid out for it for for us and oftentimes our attitude deter you know our

[00:39:45] opportunities how to pause for a second there because there's always a moment in every podcast

[00:39:53] episode where we we title it and you just titled it right there in terms run run run those steps don't

[00:40:02] don't walk those steps yeah yeah how have you seen um your faith and relationship with christ

[00:40:13] impact um you being a father um well i mean to to put it in layman's term uh doc you know when we uh

[00:40:27] when i got married um we've got 24 years under the belt and um i mean we just knew once we were married

[00:40:40] um it was like hey man we don't want anyone else to watch our kids right you know the daycare thing

[00:40:50] just never sounded like a great idea for us because we still felt like man someone else

[00:40:56] uh you know baby can't talk they can't tell you anything so we just was like okay we gonna we gonna

[00:41:04] we gonna rely on the lord and we gonna we're going to um uh just have one income and so um we still are

[00:41:17] on one income and that's been i mean as my own for us been 20 years ago right and so um we felt like

[00:41:30] man if we're relying on the lord man then let's rely and that doesn't mean you just sit there and just

[00:41:37] wait on things to happen but man like we still got things that we can still do you know that will

[00:41:45] think essentially just activate the faith i remember when we had a really a really a rough patch

[00:41:53] and um and this is when i was going through this interviewing process and um and i had a firm

[00:42:03] that only gave me one opportunity to pass a test to then go on and continue the interview so i went

[00:42:11] through the little process and and i didn't pass the test and uh and my wife man she was just distraught

[00:42:19] because she know man that was like a big deal um but you know we had a check that came in the mail

[00:42:30] and and this is basically for what was it eas what's the what's the football games that people play

[00:42:39] it's like a video game kind of thing but you like madden yeah sports yeah so yeah we received some

[00:42:47] royalties you know about five thousand dollars right and you could say it was coincidental but

[00:42:55] man it was really at the right time right and so those are you know i think moments that you deposit

[00:43:02] your faith into you know and um and then you start to see you know guys track record and how he's been able

[00:43:11] to help usher you in kind of throughout this world and helping you uh really look and see how you can

[00:43:20] rely on really the creator of the universe and so um so yeah we got you know uh my wife she has

[00:43:31] homeschool our kids or we've all kind of done it together but she's 80 percent of it

[00:43:36] and uh and she's done a tremendous job man and just how she's been able to have some tremendous

[00:43:45] patience and helping our kids learn and so forth here and um and so we we treat it as

[00:43:53] uh an opportunity man to have the most influence on our kids than anyone else

[00:44:01] love that man jermaine what question should i be asking that uh that i just haven't asked

[00:44:13] oh uh probably you know what is the lord doing in my life today because most cases you know we've been

[00:44:25] football and you've been about you know you can go around the dial of things that are you know that

[00:44:32] happened uh years ago but what is he doing today uh and so today um just to kind of tee this thing up

[00:44:44] uh i started uh cheney financial group 20 years ago i never had a solution to help people get out of debt

[00:44:53] never and so i kind of disregarded and like man but you know when you you go through and you look at

[00:45:00] scripture and it talks about you know debt and bondage and all these other things right on how brutal it is

[00:45:09] and how how impactful it could be uh even for people who are just getting married right of dealing with debt

[00:45:17] and so man i've got five other business partners one other is here in indy other one other four

[00:45:26] um is in michigan and we have a company we've got a soft launch and what we're doing currently right now

[00:45:35] and it's predicated specifically on helping people get out of debt

[00:45:40] um and also allow for them to have a cash reserves most cases when you hear about people uh ramsey and so

[00:45:50] for help people get out of debt they are they do get out of debt but they are actually broke

[00:45:56] because they've exhausted everything to do that and so our model is a little bit more lenient on that

[00:46:04] end but it provides a um a level of of liquid cash to help them you know take these principles

[00:46:12] and then apply them you know in their everyday life the uh good debt and bad debt oh good debt bad well

[00:46:28] unless maybe more of of capital versus debt you know we always need capital but we don't need the debt

[00:46:38] right you know and debt uh essentially comes with you know this idea of man there's a there's a cost

[00:46:48] even a greater cost for that capital you can take capital you can start your business and then that's

[00:46:56] essentially been some of the seeds that were funded to then allow for you to then then from those seeds

[00:47:02] be able to produce a harvest of other things to even create that return right and we use the concept

[00:47:10] you know in scripture it talks about the law of harvest is really one of the things or issues that people

[00:47:17] deal with in reference to debt is there they like it'd be like you know rob me you and i have a uh

[00:47:24] we're neighbors you got a field i got a field but there's an apple tree in your field and for years

[00:47:31] your apple tree has been producing this wonderful fruit that my family has been able to just to

[00:47:37] pick up and gather just from the the overflow of what the tree has been producing and so we use that

[00:47:45] sort of of analogy on you know the real problem in debt is people have planted their trees in someone

[00:47:52] else's yard and you're not able to capture that return and so um man

[00:48:01] i'm pretty stoked and excited about it because um it allows for and i didn't know this and it allows

[00:48:11] for a real future and career and helping people to get out of debt when you when i think about that model

[00:48:21] and what we're doing is that's ministry i'm helping someone get out of debt i'm removing the

[00:48:30] the noose from around their necks and helping them be able to get out of debt and also be able to

[00:48:38] have a savings from that standpoint so we we started with just only focusing on student loan debt

[00:48:47] and we realized i mean all the debt is bad right and um and so anyway we're we're pretty stoked i was down at

[00:48:59] liberty university uh a couple weeks ago and that was a tremendous opportunity just to meet some of these

[00:49:07] young folks who are going to school and getting their financial planning degree and um it was cool

[00:49:15] just to give them uh an opportunity to understand like when you leave from this umbrella that you actually

[00:49:25] know that man there's a we have a career for you if you're passionate about helping people get out of

[00:49:33] debt and so man we've got a man is if you looked on my linkedin there's more and more students that i've

[00:49:44] been able to connect with um just from hey this is an opportunity you actually can you can do ministry

[00:49:53] and also still be able to make a living and provide for your family yeah i love it man man i'm glad we're

[00:50:02] able to do this man finally take the time get together uh we've read before man but this is

[00:50:08] good to just be able to share the word and uh really appreciate you man for coming on man hey doc i

[00:50:14] appreciate your support man and obviously the things that you're doing here in the community which

[00:50:19] that's where it's at you know it's actually it's about helping people is where it's at we

[00:50:25] sometimes get confused with what we think help is you know and help is is sharing knowledge right you

[00:50:33] know and the sharing of the knowledge allows you to actually start to have application

[00:50:39] in what you're actually hearing or listening and and so um definitely let me know when we can

[00:50:46] get back on here once we get this company launched because i'd love to put out a call

[00:50:51] for those who say hey man i'm i'm kind of done with my job you know i don't have any time for my

[00:50:59] family but man i sure love helping people yeah love it man you got it man thanks bud hey thanks

[00:51:08] doc god bless you brother listening to mental toughness with dr rob bell to find out more about dr rob

[00:51:35] visit his website at dr rob bell dot com or follow him on twitter at dr rob bell and subscribe to the

[00:51:42] show on your favorite podcast platform to get the next episode of mental toughness as soon as it's

[00:51:48] available thanks for listening and we'll see you next time