Ever wonder how to prepare your finances for the next crisis?

In this episode of Escape The Clock, Dan sits down with Kelvin Abrams, entrepreneur and author of Get Uncomfortable or Change Course, to explore how to prepare for the unexpected and thrive through financial adversity.

From layoffs and market crashes to everyday setbacks, Kelvin shares how resilience, adaptability, and a willingness to get uncomfortable can strengthen your financial future.

Key Talking Points:

• How to prepare your financial plan for the unknown.
• The “Learn, Earn, Return” framework for staying resilient.
• Why discomfort and adaptability are vital for long-term success.
• How mindset, not math, drives consistency and calm in hard times.
• Lessons in diversification, balance, and sustainable growth.
• Practical steps to make your plan more resilient today.

Escape The Clock Resources:

• The Book: www.escapetheclock.com/book
• The Planner: www.escapetheclock.com/planner
• 1:1 Help: www.escapetheclock.com/schedule
• Other Resources: www.escapetheclock.com/resources
• Free Weekly Newsletter: https://bit.ly/etc-news

Episode References & Resources:

• Nearly 40% of Americans would struggle to cover a $400 emergency expense — Federal Reserve, Economic Well-Being of U.S. Households (2023)
• Nearly 60% of U.S. adults live paycheck to paycheck — LendingClub, Paycheck-to-Paycheck Report (2024)
• Those who consistently save at least 15% of income are on track for retirement, while most Americans save under 8% — Fidelity, Retirement Savings Guidelines (2023)
• Investors who pulled out during downturns underperformed by 1–2% annually compared to those who stayed invested — Vanguard, Investor Behavior Study (2022)

Connect with Kelvin:

• Website: kelvinabrams.com
• Book: Get Uncomfortable or Change Course
• LinkedIn: Kelvin Abrams
• Instagram: @kelvinabrams

Subscribe, rate, review, share this episode, or support by getting the book at www.escapetheclock.com/book.

Please note: This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.

Everyone makes financial decisions, but not all choices are purely rational. In this episode of Escape The Clock, I speak with Hugh Massie, founder and CEO of DNA Behavior International, about how our natural behavioral tendencies influence the way we earn, spend, save, and invest.

We explore the concept of Behavioral DNA, how hardwired traits affect decision-making under pressure, and practical strategies to align your financial plan with your instincts. Whether you want to make smarter investments, reduce financial stress, or understand your own biases, this episode gives actionable insights to leverage your behavior for better financial outcomes.

Key Talking Points:

• The Hidden Force in Finance – Why instinct and behavioral biases can impact every money decision.
• Understanding Behavioral DNA – How your natural traits shape risk tolerance, spending, and investment choices.
• Common Biases to Watch – Overconfidence, loss aversion, herd behavior, and their effect on financial outcomes.
• Aligning Strategy with Behavior – Personalizing financial planning, savings, and investment approaches to your tendencies.
• Practical Advice – Steps to increase awareness of your patterns, make smarter choices, and improve financial literacy.

Escape The Clock Resources:

• The Book: www.escapetheclock.com/book
• The Planner: www.escapetheclock.com/planner
• 1:1 Help: www.escapetheclock.com/schedule
• Other Resources: www.escapetheclock.com/resources
• Free Weekly Newsletter: https://bit.ly/etc-news

Episode References & Resources:

• 85% of people say money-related stress affects their lives – APA, Stress in America (2023)
• $1,000 per person per year lost due to financial illiteracy – National Financial Educators Council (NFEC)
• $240 billion annually lost in the U.S. economy from poor financial decisions – National Financial Educators Council (NFEC)

Connect with Hugh:

• On the Web: www.dnabehavior.com
• LinkedIn: https://www.linkedin.com/in/hughmassie/
• Instagram: @HughMassie
• YouTube: DNA Behavior

Subscribe, rate, review, share this episode, or support by getting the book at www.escapetheclock.com/book.

Please note: This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.

Three powerful real-life stories of financial independence. You’ll hear from Brad, who’s in the trenches of building toward FI; Francis, who’s just crossed the line and is beginning the transition into a new life chapter; and David, a seasoned retiree reflecting on lessons learned from a lifetime of financial choices.

These case studies highlight the realities, challenges, and rewards of financial independence at every stage of the journey. Whether you’re just getting started, midway through, or already retired, you’ll walk away with insights and strategies you can apply to your own path toward freedom.

Key Talking Points:

• Real-life testimonials from three people at different stages of financial independence.
• Insights from their journeys that show why anyone can pursue FI.
• What it takes to reach your FI number and how to prepare for the transition.
• Lessons from those already retired and living with financial freedom.
• Common threads across all three stories — discipline, mindset shifts, and adaptability.

Escape The Clock Resources:

• The Book: www.escapetheclock.com/book
• The Planner: www.escapetheclock.com/planner
• 1:1 Help: www.escapetheclock.com/schedule
• Other Resources: www.escapetheclock.com/resources
• Free Weekly Newsletter: https://bit.ly/etc-news

Subscribe, rate, review, share this episode, or support by getting the book at www.escapetheclock.com/book.

Please note: This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.