WhyWeWork BrianVee
WhyWeWork BrianVee

Episode 19 · 1 year ago

#15 Clayton Fraser The Financial and Motivational Advisor

ABOUT THIS EPISODE

Clayton Fraser is a humble financial advisor who has created a Youtube Channel where he motivates people to carry on well in life.    

Facebook - https://www.facebook.com/mclayton.fra... 

Youtube - https://www.youtube.com/channel/UCWHv... 

Email - claytonfraser@hotmail.com

Welcome to why we work, with your host, Brian V as. He speaks to people like you from all over the world as we together dive deeper into our motivations, struggles, joys, seemingly missteps, hopes, warnings and advice which would be an encouragement to us all to get up, get going and keep on working. Working's tough, but working is good. Now here's your host to why we work, Brian V. This is Brian B at why we work, and I have the great pleasure of introducing to you Clayton Frasier. Good day, find sir. Good Day sir. I appreciate I just said a moment ago. I appreciate you coming on here and this is the second time now I met someone on Linkedin and had the opportunity, as now having the opportunity to interview them. What can you give us a little background about yourself with in terms of work, and maybe even without saying what you're doing now, what's your purpose with Linkedin? Okay, well, I do have a business background that I went to Smith, you say, Mary's University and got the pretty piece of paper and I've always worked in business over the years manage different companies with supervisor and that, and now I got a couple different things. I go basically on my own self, employee, which I love. I don't like working with the boss, and Linkedin. I just try to meet people, try to grow one of my businesses through linked or one of my passions through Linkedin. I should say. It's not business. Yeah, and I'm just learning, meeting people and having some fun with it. Clayton, when did you start working? So before your university's new career and learning about the Blue Jays and stuff. What? What was your first job? Well, I had many different jobs growing up in Kate Breton. I done paper road, I done sold worms. At your first job? What was your first job? First job, we first feel job would have been working on our vegetable firm. When the Thay? What? What led you to go there? What led you to just Tory? Clayton, I'm here in a little feedback there. Yeah, it's a little bit of a leg. Times is that? Do you have? Maybe it's your audio going out then coming back in of your speakers. Maybe that kind of happens sometimes. Yeah, I'm not sure. There is a little bit of a leg. Okay, we're will keep going. No, worries. So how did you get into the vegetable business, or in the farming business? I was fifteen years old looking for a job and the guy he said he'd give me a couple days playton cabbage, and that, I guess, fortunately or unfortunately, I worked very hard and I ended up working there for three summers with him. What made you get that job? Initially, like is what look got you out of the door. I was just looking for some way to make some more money. That was basic. God, we've been motivated by trying to make money. When I was younger, right, I wanted to buy a car and that was that. At fifteen, before you can get your license, you said I am going to get a care yeah, and there wasn't many jobs in Cape Breton, so had to take what was available. Yeah, so what did that lead to? So three summers of doing that? Well, it didn't lead anything like that. I went into in the future. But now almost no matter what job I do, I...

...look back and I say, well, it could be always worse. It's was never as heard as it was working on that firm. Like I mean you're to you were actually tilling the ground and yep, we were playing vegetables, wheed and vegetables, picking vegetables, picking rocks, just about everything to do with it was just heard physical labor and it taught me a lot how to work hard. So after those first three years, what did you do next? I was what did you have another job on the side to? I know I was started university and then I left university and then I started working at a gas station pumping gas, and I work my way up to assist a manager there. which what did you take at? You went to smew. Did you say that's what you just yet went to Mary's. What did you take it? Sat Mary's University in a Novas Calivac, Nova, Scotia. I took my bachelor commerce, Major Marketing and management. By did take a couple of years off between first and second year. Want we see me too, like what am I doing? You know, like I got into this, what am I doing? And I don't think the plan was to go back. I just happened to be one or two years in between. I know exactly what you be why did you get into business? I mean you so, you're from, I mean I from the accent. You're from Cape Breton. Yes, all my familyes from Cape Breton. Yeah, I'm from a place called Little Bert or and Cape Breton and I just always like business. Like when I was younger, I was always selling something or trying to figure out how the cell's outing to make money, and I always like the fact that one to work for myself is the biggest thing. And you basically so was it what I like to do is trying to get the core of the thing? So was it like I want to be rich or I know there's a value in money and that's going to allow me to do things? What? What was your idea of trying to make money? What was the purpose? You know, from one thousand five hundred and sixty like up to high school, so you say you always wanted to do something. Therefore you took business. So what was the the idea of the dollar that intrigued you? Well, I grew up my parents never had a lot of money, but my father worked very, very hard as a mechanic and I see like how heard he worked. But then I seem what the boss has had and I'm thinking, well, I'd sooner be the one running the business, making the money with other people work, and so I went in the business. That way. But then I found out I really don't like the day to day management of people. So now I just like work for myself. But when I started I just always like that fact of people come to me ask me questions. I like make more money as a major and I like being able to have the money going and buy myself, since my parents couldn't give it to me. And so when you win it, you go ahead. No, you go ahead, no, don't keep going. So when you decide to get off the island and go to the big city to go to university, was it you you had a one way bus ticket, I mean usually put someone got yeah, little bus, get out off the bus. Yeah, was no one way ticket. Or you're like I'm gonna come back and I'm going to start a business or something. Well, the initial one was I was going to come back. I started sewing ninety five, came up for a year, didn't quite do as well as I should have done and I went back to Cape Breton and actually went to UCCB for a couple of months, or Cebu now, and then decided I didn't want to go to school. So I took I started get working at the gas station in Berdor work my way up to the system manager, but I still...

...want it more so. Then I done some door to door sales with electro lux sell them back and did just which was fun. I learned a lot of good skills. Yeah, you can learn lots of things. Yeah, and I liked a lot of it, but it hard to sell a thousand all. I raking Clinger Cape Breton when the business wasn't going good. But after three years of struggling at the gradge and not being able to get any new opportunities and now at in Cape Breton, I decided to come back to Saint Mary's and I did come back in ninety nine two thousand and I did go back to Cape Breton for that summer. But then after that I decided to stay in Halifax and I've been in Hellifax down twenty years. So after you graduated, did you see the pursuit of happiness by chance? Oh, one of my favorite most I mean it probably give the idea of selling the lecture at locks, which is a vacuum cleaner, and him going around town like I got I can do, and the drive and the determination like I'm gonna sell this and and that's what it takes to do some of those jobs, I mean many of the jobs, really the determination to go through it. So after university, what? What? What were you going to do? What we gonna I was looking for a job and that you're only young, though, then the you're just twenty right, twenty no, I'm through twenty three, twenty six when I graduated, because it breaks three years off. Yeah, yeah, yeah, and I was hoping to get into a job and marketing, because I really like to promoting products, talking to people and all that. But it just didn't quite work out that way. I was current at the time. I was working. Oh, at the time I was working a part time at Scotia Square in the parcade and I was working part time at the liquor store, but I got passed over at the liquor store for a promotion and I kind of got tired of that. And then I started with a finance company in two thousand and four, which is basically I'm an independent representative. So you're your own business and I really enjoyed it, but it wasn't enough to keep me going. So I worked at a few years that in the PARCADE, a few years part time, full time. You know, back and forth, and then I went into managed a gas station and I was still doing the finance company part time. But after a while I've realized I didn't like managing in someone else's business because they control all the strings and pay you very little. So then I went working security. To security, it's coach to square for a few years, while I was still working part time with the finance company, and work my way up to supervisor with security, which was good. It was a good job. You work shift work, so I had a lot of time off to build my finance business. But then I still got tired of that. So I went and made Salvay ceremon first store store and work the finance company part time, and then I just got tired of working for other people. So that then I decide that went full time with the Finance Company and I'm still that's one of my main businesses right now is working for myself with the finance company. And So, before we get into your finance company position, what was the struggle in your times of you know, try do this, try something else. You're realizing some things along the way. What what are some key takeaways that you took from that bulk of experience, even from a young age, but, you know, trying to develop get some traction for a career. What what did you learn? And, because you obviously didn't give out, I learned a lot of stuff. I learned a lot about dealing with people and I learned a lot when you're work running someone else's business, sometimes it doesn't matter how hard you work, you might not get the promotion...

...want and you're always asking someone else for raised. There was someone watching what you're doing, and I'm not saying that's a bad thing. I just didn't enjoy as much and I found a lot of times I was babysitting someone else's business because a lot of the jobs ahead you were hiring younger kids that some were great, they love work and they work very hard, but there were some that didn't, and I just found out I don't have the patience or of mentality for that. And that was the biggest thing I realized is I really don't want to be babysitting someone else's business. And you know, and I don't, the managers work really hard and I think it's a great profession. You just have to have to write patients right mind set forward and and you recognize you just didn't have that. It wasn't fair, I wasn't happy. It's that's insightful. Yeah, it's insightful right, and some people don't. They don't come to that realization and they waste a lot of years and they come to the end of their proverbial rope and say I've had enough of everything. But they just didn't keep trying different things that might suit them better. So what is the position you're doing now? Right now, I'm a regional leader with a financial company. It's Independent. I work when I want. You know, commission based, but the fact is I get to control my hours and, you know, I go looking for clients. It brings back to pursue a happiness. I love that movie. Didn't see how he went after getting clients. I don't go that intense by just like the fact that I can build a business that's going to be mine in the future. And so what is it that you're promoting? What is it you're selling? What is it typical day look like for you? I deal with all aspects of personal finance. So I help people with all the retirement needs, mostly through mutual funds, ours, peace, education funds, tfas as I also deal with life insurance and I also deal with that consolidation. So some days I might work a lot with it, other days I might do very little. It all depends on if I'm at. The last few months was a little harder with some things because I wouldn't able to prospecting looking for people. Yeah, but I do a lot on zoom. I have been able to do a little bit, but it's most to keep my clients happy now and trying to get referrals from them and just trying to help people. I'm very passionate helping people get ahead. I hate pete seeing people being taken advant each other by certain companies out there are and I love being able to win and sold person how they with money they're saving, they can have a very good retirement compared to make a very little money where they were at. And another one that's very passionate with it. Most people hate life insurance. I don't like talking about it, but it is very powerful when you can able to show a client to how to go from fiftyzero coverage to four Hundredzero, because if someone dies in that family you're changing their lives and I just like I like being able to help people and the company I work for is very flexible allows me to do that. Clinton, what did you think of insurance, life insurance, before you got the job, and then what you think about it now? I never knew much about it. I was twenty eight years old and I said, well, what do I need like insurance for? I'm young, I'm not old them upon die anytime soon. But as I learned it, I've realized, you know, like back then I had no time of life insurance at all, but I realized life insurance isn't for us, it's really for our loved ones and it taught me a lot that. You know, most people think life insurance is for people are fifty, sixty,...

...seventy years old, but when its reality, it's really for people like our rage. You know, people are starting families. We young families that if they died, their family looks at Dur income. And when I had my daughter, my first daughter, was really important to me that if something happened to me, I know she's taken care of. And now I'm a lot more passionate about it because there is a lot of products out there that people are being taken of. ANTIE JO, and they're spending high money. So I get very passionate with people to show them how they can get the best. They'll take care of your family, because I hate to see loved one die and their family have no money for their kids and then they're struggling. Right. So change my perspective a lot. So how do you and without me putting my my view into it, because I think I would have. I thought the exact same way. Right, like I never what do you mean? I'm not dying for a long time. I'm not even going to die. So what do I need life ensure that, you know, in their twenties or you know, in teens and stuff, but getting older in our S and s. You like yeah, or I mean there's some wise people that were wise when they're they're teenagers, saying no, I need to invest now, and they're laughing now for what they have done. But how, how difficult is is the you know, it is a salad, is a business, but how difficult is the cell for the people that you're approaching that have that same mindset, even if they're three thousand and forty fifty, like in those ages, that seem like a reasonable age to be pursuing. How how do you approach a sale with someone that doesn't see the benefit of investing for their own future when you know when times are tough like this, or for their family? How do you approach that? A lot of times I try to approach the person more with investments before insurance. I try to talk to them about their investments, because who doesn't want to make more money? So so, what's the reason for that? Yeah, so what's the what's the reason for not doing I guess life insurance versus let's invest for the future. What is this? Is this taught to you or this is just your own personal avenue? A little bit of both. It's taught more people all open a door for investments, because most people have never met a life incurns agent they liked because, for no more different reasons, a lot of life in turns agents got bad name over the years because there's well and you're coming to talk about their deaths. So that's not so pleasant either. You know, it's not something anybody wants to talk about. But when we get in we use an educational approach. When I sit on with a family, I look at everything and I don't usally do business on the first meeting. Our company tries to guess not to and I go in, I take all information and I'll say, well, it's great that you're going to have money when you retire, but is there any guarantee you're going to get there? And then I asked them if something happened to it. I don't say happen if your wife died or if your husband died. Are you able to survive without their income? And a lot of times I'll say well, what you mean? I said, well, they die, their incomes gone. Well, they say, well, I have work insurance, which is usually one or two times or salary. I say well, so it's Fiftyzero. You're young, Tis two years old. Is that going to last until he's a team and then we asked them how much they would want every month, how much percent each of the Spencer's income they would need to survive. When we figure out the number and we try to show them that number and if we can't give them what they need, we least show them something that is better nothing. And we try to do insurance as much as I talk about...

...investments. We try to do insurance first because it's a foundation, because nobody knows their day of that. So there's no guarantee you're going to get retirement and you get a lot of people when you get in there, when you use the educational approach to explain how the work, it's a lot better than if you just went in and tried to sell them something. But it does, do you feel? Go ahead, yeah, it does. Sometimes it doesn't work, regardless of what you sell them. Right, problem, I mean it's sales right and answer everything we do. Most of the time it doesn't work. Yeah, right, I mean that's the reality. That's why those big companies are everywhere and their advertised all the time. They're striking out all the time, but if they get the one to two to three percent, that's where they're that's where they're making them in my clothing rates a lot higher in that because I just don't sit down with thousands like they do. We just sit down with people that we know need it more and you build a relationship, is what, with the people and it works quite good. No, I'm sure, cling just from knowing you for maybe twenty minutes, that you would be able to do that well, like you would be able to do that well if, if you were able to get them to open the door then to to even for them to remember you and to think, Hey, now I realize maybe I can go back to that guy, which is why business cards and emails and all of that is is very important. Well, you so said. Also, you just said that heard is part. Right, they're getting in the door. That is the Hurd is part. Once you're in the door, you think of it. Right, yeah, we're bombard we're bombarded with everything every day. Everyone is right, like who do we let in our door? And that's metaphorically speaking, but like, okay, well, it's this advertisement of the POPs up or this email or this message in the thing, and and there's lots of different company and insurance companies trying to sell as well. And I think what do you say is your best asset as being an insurance salesman, investment? Well, what is your asset that you bring to the table? Because you have their product, right, the product is the product you work for. You can't change it. This is what you got. So what is your best asset that you bring into this conversation with Mrs Smith or Mr Smith? Then you bring in? What is the extra value that you bring to them? Well, one thing you said right there is I bring it to them. A lot of my clients I go into their houses and if they have young kids and not that, they love that because they don't have to get Babysai there, they don't have to do anything, and I'm flexible. I do a lot of my appointments in the evening or weekends so that I'm able to meet their needs. But one other thing is from the business aspect, I'm very lucky. I do have a pretty good memory, so I'm go with numbers and all that and I'm able to give clients lots of information on different products that I'll take the time and explain it to them, where a lot of times, if they go to a different institutions, they just tell they just tell them what they need and sell them. I find it what they want and I think that helps a lot. In our company uses the educational approach and I do deal with finance companies. I deal with like ten different finance wealth management companies, which allows me, then, offered the best for a client, to capture the best for the business. Yeah, absolutely, being a maritimer and not only that, being a Cape Bretoner, I mean this would take some little bit of humility. But do you do you think because you said something, you said so it's better than nothing, right, and I say I say that to my kids all the time. Right, it's better than nothing, because I don't know, there's countries all over the world,...

...people they they know that attitude. It's better than nothing. With that attitude. Do you think there's something to that that you bring also into the conversation with insurance, because it's it's a humility that says I'm really here to help you and I want to bring you something rather than, you know, some smock just trying to sell. Say, I promise you the whole world and I'm telling you this is the best. But just from a little conversation it seems like you wouldn't ever really the temptation might be there because you like, I got a build, do you know? Pursue Happiness? I guess, and feels I I can't pay riskmon's rent. So this is Smith, please, this is going to be the best thing for you. Like they'll be that temptation always. But if you could remember, maybe not your roots. It's not a bad thing to be from KPE Breton, but the humility of saying what, what I'm offering you is better than what you have and that's better than nothing. Can Do you? Do Recognize that about yourself? Having that like being in the cabbage firm mentality, willing to get your fingers dirty right to grind through it and to understand? Do you recognize that about your yeah, and it's funny. One thing you said. They're about the commission thing. It's got to make the sale to pay. When I third it, I wasn't closing as much because I was thinking about what I would make more than the client. And now, as I get more experience with it, and now laugh, I win there. And I look at well and plus to wit insurance. If a client gets insurance and then the sides in the first couple of months they don't want it, I get a change back. The company takes my commission back. So now when you go into a client's house, well, yes, they might need something that cost a hundred dollars a month, but they can only for D and fifty. Well, the way I look at it, if they if I try to force that a hundred dollars on them, which they do me, well, when they cut things happen. Things become a struggle and all that. What's the first thing? They cancel their life in terms, and then I have to pay back my commission. So I would sooner see them buy something that they can afford, that they're comfortable with. It might not be what they need but, like I said, you know, a hundred thousand is better than zero. They might need three hundred thousand or scovery. At least it's something and then we can work with them over the future they try to get them up to where they need. Now I've done that when number clients, as their lifestyle changes, to get new jobs and I'll at we've added to their policy, but they still get the original one at cheaper price and they weren't struggling. And I think my clients like that for me doing that for them. Do not pressure on them. Yeah, I think, and I think if you were honest with them, not that you're not, but just like you're honest, like this is how I feel, this is what's going on in my head and my heart of how I feel. What I see what you need, I see what you can afford. This is what I think might be a happy medium between the two and and this is my offer to you. And if we can work together, that's great. If not, here's my card and you can contact me day or night any other time and I'd be happy to work with you, because what I have is better than nothing. Yep, right and right now. Obviously they have nothing right or they're just paying too much with something, some other product which is not offering them. And I know experience, through experience, through a relative who was promised the moon and they got some dirt compared to what they invested in. And and that's that's hard, because then at the end of someone's life, people like, well, didn't did in this person have some investments? Oh yeah, so then they rifle through that, you know, dictionary of paperwork, like what were they signed up for? Right, and that's and that's the...

...thing. So I think if you open that up to them and show them, I think you'll if you want to continue. What is your what is your vision? What is your hope? What is your goal with the position you have? You have a longer term outcast. You do what would you like to do? Well, right now I'm one step below regional vice president. I did for years think I wanted to be a regional vice president, but as my life change and, like I mentioned there before, I don't like the day to day training of people, but I like motivating and helping people. All that, I'm going to stay where I'm at the level of man and I have a few other opportunities on work and I I'm really working hard to try to get into life coaching, motivational speaker, in creating a youtube channel all about motivation and I still do some teaching with the company I do. I love going up doing a presentations explain the products or motivating people and that's my ultimate goals. That still help my clients, grow my client base by really want to get into motivating people, coaching helping people. I just I love talk and I love doing that and it's something I can bring some passion to and hopefully I can provide some help for some people. So this is how you and I met, because it was on Linkedin and then you were from you. I saw your your post of promoting by being motivational speaker and helping people to get out and pursue what it is that they would like to do. Where did that come from? What? Where does this this idea come from? It just just as I've been doing more and more with the company to finance company, like we do weekly training and I my and I found as much as I love helping the clients, I also love when them up there trying to get the whole room of other rep reps going. I really enjoyed it and I do a ton of self help motivational reading and watch a lot of videos that I just said. That's something I'd like to do. When I was get made fun of when I was younger for talking so much. So now my goal is to get paid to talk. You know me too. My teacher told me crying, doctor me. Okay, give me a mic. So what it? What is your message then? What is your what is your motivational angle to help and encourage people in what? In what field? Is it life, just basic, or is it work? What is it that you're aiming to help people with a little bit boat? About two and a half years ago, I I was just now as happy as I should be. I was a little bit lazy, gaining weight, I was sleeping in late a lot and all that, and I I started in a new on facebook and there were some people talking about how they were this product they were using getting them lots of energy and all that and really motivate them. So I said I took a chance and I started a vitamin program with it and I really put a lot of work in to change my life. Now every morning I'm up at six o'clock in the morning. I have a really good morning routine I follow and it's really gave me a lot more energy, a lot more motivation to work on any one of my different businesses or interests going and it's really changed my life. Like I'm happier, I'm excited, I'm passion I'm all my businesses are growing because of that. I'm a lot healthier. Still got a little bit wetty to go to lose more weight, but I'm a lot healthier and it's created yeah, I'll use that for excuse. And I've really really liked the fact that by creating a good morning routine and being positive a lot of mindset, I've been able to change my life. And I start promoting stuff my journey on facebook and I found different people were liking the comment on that. So I...

...started a youtube channel bit a year and a half, two years ago. I work hard and I stopped by work hard stop, but now I just got really dedicated because people are really giving me some good comments on my chant videos. Still got a long way to learn, but I'm having a lot of fun with it and it's I'm getting people message to me saying please keep these going, I really enjoy listening to them. So I thought, well, maybe I can make it into a side career if nothing else, or really fun hobby. So I got the time because work as a financial advisor, I'm not always out with people. Have a lot of free times to give me something to do in my spare time and and I meet some good people with it. That helps teach me a lot of things that I can learn pass on to my clients. Plus it's forcing me to improve myself, because how can I pass information along if I'm not learning? So it just it's just how it works together and I'm having a lot of fun with it and it's really really helping me. So in the future I'd love to be I love to do some motivational speaking. I would really love to get into a little bit more life coaching. I'm working on setting up programs. I have some people I help just on the side for free right now and I really want to get the youtube channel going. I'm hoping to be monetized this year, but it's all stuff I can do with my financial position as my main one. But it it helps my financial company job so much because it's improven me and our company says, you know, it's a great big self improvement program with a huge con compensation package because a better I can come better I can help people's way I look at it, I'm having fun with it. What would you say was the value of work in this up until this point? Of the value of work through your life so far? How is how is work brought you through? The biggest thing it taught me to work hard, not don't be afraid to put the hours in. Like when I was on the firm, I worked fifty hours minimum a week, sometimes sixty seventy hours of hard labor at the gas station. It was, you know, I you work forty five hours minimum a week, but usually put more in. When I was going through university, I work two jobs, the liquor store in the parcade and I usually work thirty five to sixty hours a week while I was going to school and I've always had two jobs. So it taught me to work hard, but it also taught me that the ones that making the money are the ones that work for themselves, and it taught me what I wanted didn't want to do, I should say, and really taught me to work death. I think, and you know, and it also learned two over the years, that work isn't just everything. A lot of times I put a ton of hours in the work work in two jobs and I just wasn't happy because all that was working, struggling, struggling, trying to get ahead. Now I realize, you know, money's important, but it's not everything. I got three beautiful teenagers. You know, I like spending a lot of time with them and I love the flexibility right now that, like with crome and my kids were in school the last three months, I was able to be home with them, keep someone eye on them, and it just I love the idea of flextibility and also too, with teenagers. I want to show them, when I've learnt over the years, that things don't always work out the way you think they are, but if you put the work in you can still get ahead, and that's what I'm trying to especially with YouTube channel. I want to show them if you put the work in, you'll get the results, but you just have to be patient. I guess it's too biggest thing. So what is what it know, what is Clayton? What is your message to as? I mean you...

...going door to door. You must meet all kinds of people, right, I mean I gif they're not specific people that someone has referred you to. I mean probably most people who refer you to someone. The people are not going to have overt problems, right. They're not going to send you to a person's place that's just a disaster, like whether it's mentally or their home. But you've met all sorts of people. What sort of advice do you have for the people that you're kind of meeting that you can see that their life is in shambles? They want to, you know, they want to get out of the gutter, they want to start working. They might, you know, they maybe didn't start work ever or they haven't been working for a while. They didn't do it as a kid. And what I'm gathering is people who tend to work at a younger age gain a confidence in an ability about themselves that they carry that forward. But not everyone does that. So they're timid, you know, and they they're less likely to take that chance and a risk. And you going on Youtube is taking a risk right. You're exposing yourself for everyone to critique, any message board under that you have under your video and someone can rip you apart. But you're saying, HMM, it's okay, yeah, I want to do this to help people. So what is your message to the people? Especially now with Krona, I think people are using this maybe as a crutch to lean more on. So they're isolating themselves more. They're not. They're being there using social distancing as an excuse to be antisocial. So what would be your message? What is your message for these people who, in from my point of view, should do as you say, is keep trying and keep doing and to get out there and work? What would be your message for them to start to well, find their motivation? Well, one thing is you just said it. They just have to start. A lot of times people are very afraid to start new things and you know, I'm fortunate in society today. A lot of times people think a lot of stuff is going to be handed to them and we find out that's not going to happen. I know, like you said, the crutch thing with crown. A lot of people are using that as excuse because our company still recruits a lot of people in that even though I'm not involved in anymore. I talked to some people that are and they say, well, I can get just as much money you stay at home doing nothing. So a lot of people are using as excuse with the government benefits are out there. But my biggest thing with people is they said, you can't be afraid. And you know, with teenagers I talked to them all the time about who cares what other people think and it's hard to get across to them and that. But I said, well, if I'm telling my teenagers you can't care what other people think, well, I got to do the same thing. So that's why I start the Youtube Channel, you know. And someone said, well, what if someone makes fun you on your channel? Man as well, at least they watched it. I got some minute time want and I got some mused. I said, you know, they hate it. They're giving me few. They might go tell a whole bunch of people about it is and they'll come over too. I said that to people, but you know, the hardest thing is when I go into clients homes that don't have a lot like we don't do a lot of doorknocking as such. We're just meeting people, talking to people and all that. But when I go into clients, hones that don't have much, are struggling and all that, it's hard sometimes because a lot of times there is nothing I can really do for them. You know. They say, well, what can you do to help me? Well, the first thing you got to do is help yourself. You got to get some more money. There's nothing I can do if you don't have the money. But there is some pre free programs out there to government help offers to help with education plans for kids. I set up a lot of them with money just from the government. I make very little off of it, barely enough to cover...

...my gas, but I do it anyway because at least their kids might have a couple thousand dollars to go to university with. So makes the parent feel a little bit better. There's a lot of programs out there with free money for people with disabilities that they don't know about, and I show the client that I educate to myself well, and I even help them so that they can get the disability tax credit and get money back from their taxes that help their lifestyle. We don't make anything off of it, but we show our client to do that because it gives them hope, and that's the biggest thing. I try to give anybody a talk to. You got to have hope. But, and I also tell them, there's only one person that can help you change, and this is thing I had struggled with for many years. There's only one person to help us change, get ahead anything in like. It's us. You know, nobody's going to come along and just hand us our dream job. We got to go for and it don't matter how hard your situation is, there's somebody out there worse than has changed their round. And that's why I love about reading, because you leve learn about that. No matter how prior your down, you see it where other people were and they got they hit. So hope. They can do it. Why can't we do it? And I try to really show that hope with my clients and with people I meeting. Same with the Youtube Channel. It's all about giving people hope and motivation to make their like the best they want to be. All right, it might not be number one, it's just be better and your worry yesterday. Absolutely better than nothing exactly. I don't say that or that you wish. It's right, better than nothing. I'd say it almost every day to my kids. It's all the time better than nothing. Well, and then I either follow that up with it's better than a punch in the nose. Yeah, yeah, you, but it's true, like it's like what else could you get? You said that too. It's it could be worse, and that's what it is. That's the fundamental part of that is, you know, you know where you come from and their perspective on life. Life could be worse. Life can always be worse and we quickly forget that. You know some of the things we complain about here in Nova Scotia. There's many people in the world but love to have our worst situation. So I just try to look on the positive and I trying to have a lot of fun with it as I'm getting older, you know, just trying to enjoy and have fun. If I can help somebody else, and you know, if I talked to a hundred people by help one person, that's great. You know, hopefully I'll help more with my even consider you may be considered branching out on your youtube channel and putting like a province by province resource guide for people. I like a resource guide if you're in these type of situations, here's where you can find resources. I never even found right just to you know, you can have different playlists in your youtube channel and just break it up. You know, you can just break that up for a fun day, like the provinces of Canada, fun to remember from doing and then just break it up different you know, if you're looking for university tax credits or, you know, Hans or whatever it is that you were referring to, like you know about it, just to do it, to break it up and then people like hey, there's a guy, he explains it like and you can do like screen cast or what whatever you call it, in going to the website and showing people where to go, how to find it, because a lot of people, as you're saying, you're going into people's homes that are in pretty rough situations. So for some people to begin as rough situations as they are, being so new and technology, we like you and I were in I went to university ninety six and you went ninety five, was it? And so the same time, and that's that's when computers just kind of started taking on. So if anyone's older than us there, you know you and I are. Probably it's just...

...on that that that wave of being being with it and anyone older or someone who didn't care much about it and it just to get on a computer is it makes them anxious. You know, they might be able to I don't know what someone might do. Go to YouTube. They can go to YouTube. Yeah, right, they can go to youtube. But to go say we'll find the form that's on this page in the dropdown menu, then you're speaking a different language to them and that's fine. They can do a whole bunch of things that we can't do. But for you with you know, especially your mannerisms, your maritime attitude in a good way, a good attitude, and say look in here if you're looking for the then I don't want to throw you down a rabbit hole in the be for not but you could do that quite easily and you can have like just a resource page, as long as it doesn't conflict with your your insurance company. Some of it, I think, be allowed in the some compliance would get it's pretty heavy our compliance department. That's why I have mentioned name of the company or anything. Yeah, lights apartment is quite high, but I'm going to look into this. Research is like resources. People can look up, you know, government on because a lot of people don't know there's even government men stuff in there. And I and you want good idea. You even mentioned like Salvation Army, like just things like places to go find food, places to go find clothing, places to go find whatever you need. Any right there. I love that. I yeah, I'm going to hoe place. I appreciate yell for that. You're going to help me. I never expect to get a great idea like that. Hey, hey, no, it's not one percent. I love it, you know it's but that's that's how it works, right, like just providing resources and being honest that this is this is how you support yourself by doing these things and in turn, it brings some value to the people who who watch and listen to you. And I think you you have a tender heart, your teddy bear. I think that has the ability to in a not we're not perfect. I'm sure you have people that knows it. Oh, claim he's you know, as why? He that right, as that that, but you could, you could stretch that out however you want it to, and even if it didn't become profitable, as you said, it's something you're passion it's a passion that you enjoy doing. And in the back of her mind were like, yeah, it would be nice, though, if it can make some money from it. Yeah, of course, but as you work it out, someone will. You know, it's the idea of having one person enjoy it or get something from it and in that if that puts someone on their feet, really that makes it worth it. Makes it worth it exactly that. You know. The way I look at it now it's more looking for wind, winds lutions. If they win and I win, that's great, you know, but it's more looking for or that win. How can I help somebody, and if it helps me, you know, all the better. If it doesn't help me, as long as it helps them and just having fun. Clayton, how can people reach you? So you mentioned your Youtube Channel. So how if someone's looking to go on there, whether they're from they want to know about your speaking and motivational speeches or some resources that they can find, and maybe some of will contact you and say hey, can you find this for me? You know, or maybe they have an idea as well. Where can people find you? I am on facebook a lot, Clayton Frasier, just under my name on Facebook, and my youtube channel is still my name, Clayton Frasier, and that I'm working on the next year or so having a website for the motivational speaking and all that. I just want to get a do what I'm doing offer. I was offering some free stuff around here just to get it going and that I haven't got that fully set up yet.

I did try to set it up too early and like to say that I'm not the most technical yet, so I'm still learning a lot of that stuff. But the easiest way to reach me is on facebook or Youtube. It's Clayton Frasier. It's under or even send me an email Clayton frasier and hotmailcom or if you Google my name it should pop up quite a bit. But then they're using the Internet quite a bit and it does pop up. And I love to hear from any of your listeners because this has been a lot of fun. Thanks, Brian. I. I really enjoyed this. No, I appreciate it to actually, where do you get so all of your work? And you're a hard working man. There's no there's no doubt about it, right and it's it seems like you're a hump your humbly doing so too. You're doing it, you're trying to find your way. I mean when you said the electrical locks, I thought will Smith and the pursuit of happiness. And that's a grind right day in and day out, and you do it with a smile on your face, even though maybe feeling a little discouraged on the inside. How what do you do in your rest how do you how do you rest from your work? How do you rest from your labors? Well, some of it I don't even classify work because I just enjoy doing it so much, but I do. I Love Sports. The last couple months has it been a little herd. There's been no sports to watch. I am lucky. We are in one of the very few leagues in Hellifax they open those softball league I play in, so play a couple games of balls a week. I just try to read a lot. I do a ton of walking. When I'm at walking I listen to different audio I'll have to find your podcast I think they'd be fun to listen to. I get listen to that. I get enjoy nature. I go walking a lot, I said, a campfire a lot, try to build, pretend to mccarpenter built a few things. I just like to get busy and keep busy. But, you know, a lot of stuff like the Youtube Channel, trying to promote it, or I do have a little hobby business to I do sell you sports closing online on facebook. I just enjoy seeing going out, trying to find stuff and it just relax as me and spend the time with my kids, you know what, going to their events, watching their dance competition or basketball, driving them places, which was nice little break the last few months. But I just enjoy trying to spend some time with them and with my spouse. We try to travel a little bit and you know, just I don't really take a lot dawn time because I enjoy what I do, I guess. Yeah, and I don't work all the time, right with the fiance companies. Yeah, yeah, but it's good. I mean you're saying things that are things you do and rest and that it's good to rest, regardless if you like your job or you hate your job and you always want to take time off, whichever. Can't you fall in. Do you have anything else that you would like to say in regards to work? Well, the biggest thing is, and I meant to mention there, when you're saying don't be one of them people stuck in the job for twenty, thirty years that you hate. That's one of the reasons why I change career so many times over the years, because I'd see people at a job that have been there twenty years and they come in every morning and they just dread it. They're excited for Friday and hate Sunday nights because they have to get up Monday morning. Don't do that. Take a chance. You know there's many people out there have done it and it can be it can work out. I know it's hard, but just try to stay positive and don't get stuck somewhere where you can't stand being, because I think likes meant to be fun and well, it's also I someone told me the other day. They said take chances because you don't want to live with the thought of knowing that you didn't do what you really wanted to do. Don't live,...

...don't live with regret. Exactly. I love that, and you know, you can't hear that enough, because I think too many people are living work regrets doing a job because they're afraid to try something different. And you know, I have a client that the other this year. He changed careers after thirty four years at one place, and you know, I got the most, I don't know, admirage and forum or and everything, because he went for something better. After thirty four years at one job, he's switching for last ten years as that's great, you know, and not that you didn't like where he was at, but he took the risk and I think that you got if you want stuff in life, you got to take that risk. Not Everything going to work out, but it's better than being unhappy at something you hate. It's yeah, and it's I think I heard someone else say to it's take the risk. You know, sometimes it could be a big, drastic thing that very few people would ever do, but a calculated risk, that is. You know, before you're jumping into that new job, don't leave your other one unless you're really sure you have it, because you do have bills, practically speaking, and you do have children to drive around and pay for their clubs and stuff like that. So I calculated risk. But still, like nowadays with this down or some people don't know, downtime, but some downtime. Look, you know, go on Linkedin right, go on Linkedin, and like that's a whole. Like this is what I'm just realizing over a couple weeks, and maybe you haven't more insight than I do because I haven't been done it long. But if someone's like just playing on facebook, like just scrolling down on a thing or an instagram or twitter just to see what's going on Linkedin and if you want to change your job or learn what other people are doing in these industries, Linkedin is just all business like. It's just amazing place to you know. It's not like, Oh, look, who's you know whatever news or you know, more superficial things, but this is just people and they're advertising, advertising, people promoting and asking and receive. But how long have you been in that? Did you say that at the beginning? How long you were you were doing it Linkedin? I've been probably probably been two years. Ever, down there like use them more thoroughly and I usually just when people friend me. A lot of people friend me. After you get so many you get friendly. First were imitations. I just send them a little message saying what I'm going to do and and hope my youtube channel there and people seem to like it. I get a point two subscribers response from him puts. Every morning I put a little motivational picture and quote on there. Yeah, and some days I'll get five comments, some days I'll get twenty, but people seem to like it. And you know, I've had number of people offer me positions on Linkedin or ask if you're interested in summer stuff. I wouldn't be. Something would be but you know, right now it's not where I want to go. But, like you said, there's so much still in time. Right now, people go on Linkedin, Guan, all these networks. Things you can find. There's thoughts you can do to improve your situation right now, especially with this day, own time, if you put it to good use, and that's a key, isn't it's a good way go ahead. The key is use their time wisely. You know so many people because there's there's so many things you can do that's behind the scenes right like going on a website from your own home. I mean some algorithm somewhere knows that you did it, but your boss that you have a job with now, does it know that you're going to look for a job. So you're just testing the waters, putting your toe in the waters, just like some of your clients now who you might might take a flyer, as they say, take a card. They may not want your insurance today, but they might morow. You might not want that job you're looking at, but at least you know what they require. It's kind of like what you do with insurance,...

...seeing what they're going to need and then work your way back if you go to look for a job that you would really like to have, see what they require, come back to the president say hmm, well, then I can do some of these things, whether it's a small course or just reading some more information. They're just great ways to get ready to take that step if you want to try something different. Exactly in you know, but the key is they have to want to do with everybody has to want to do it. If you don't, it don't matter how many opportunities are out there. If people don't, you got to create your own opportunities. If they don't want to look for it, you're not going to find them. And that's why I like about the world from people. A couple months it's really been able to help people. I think it's worse when people have the excuse that I can't do it, you know, or they listen to some newsping is says, well, unemployment up as high as it's been for rent and then I well, there's no jobs, we can't do nothing. Yeah, go do, go, plant some cabbage. Cabbage doesn't take time off talking about the world still rotating. You know, people need umbrellas. Don't. Don't. There's lots of things people could do, Clay Clayton. inclosing, why do you work? Well, work because I want to make money for to get my family better life, starting a better lifestyles the main one, of course. But why I do what I do is because I like helping people. And yes, I help. I'm one of the people I like helping, I should say. But I really enjoy helping people and whether that's me or other people, that's why I work. I want to build a provide for my family and I want to be able to have a great future that, you know, I can do what I want to do. Financial freedoms my goal, of course, like most people, but I want to build a show my kids that anything they put their mind to as possible. And you know, just by creating a positive attitude and work and herd, if I can get my stuff and they see how that can be done and they can do with hopefully we can help other people do the same and I guess that's basically why I work. That's a great answer. I mean it's a great answer and it ties into what you're saying. Where people and we need to remind people as well that life isn't free. You're not you might be handed I mean it's like saying you're sitting on the Sofa and someone's handing you your food. Yeah, okay, they're handing you your food, but you're becoming lazy by not getting up and preparing it yourself. So you might get the money, but it doesn't provide you with the strength needed to carry on in your life. And this is, I believe, what you're saying and it's it's it's important, because people they rushed by the first answers. Will I need money? People like will, of course, yeah, but not all people realize you need money. Like you need money, it has to come from somewhere and you need to work for it, because if you don't work for it, someone else is going to have to work for it, and we live in a society that kind of doesn't really say that it's just this money come. I don't know. I didn't go all around Cape Breton, but do you have money trees out there? Wish that's the last thing you'll find people. I didn't find him find any. I didn't find any there, I haven't found anywhere I am now. So unless someone shows is that island where they are, we need to work. So, Clayton, I truly appreciate this and I'd like to talk to you later and see how your youtube channel is going and I hope you all the best in insurance and if people are in Nova Scotia and they need insurance or other types of investments, called Clayton Fraser, you your man. Thanks, Brian. It's been a lot of fun. I really appreciate this. Thank you for listening to this episode of why we work with Brian Ving. Be Sure to subscribe,...

...follow and share with others so they too can be encouraged in their work. I hope that you have yourself a productive, be a joyful day in your work.

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