GIVE A HECK

How does equalization work in Canada, and who really pays for it? In this solo episode, Dwight Heck pulls the real numbers and tests four common myths, including the claim that Alberta writes a cheque to Quebec. Dwight, a financial and life coach with 24 years in the industry, explains the formula, shows what Albertans and British Columbians pay in federal tax and what comes back, and compares Canada with Germany, Switzerland, Australia and the United States. Every number in the episode has a source in the show notes. What you will learn: How the equalization formula works and who actually pays for it What Alberta and British Columbia pay in federal tax per resident, and what comes back Why scrapping equalization would not give Alberta its money back How Germany, Switzerland, Australia and the United States handle the same problem Three takeaways for separating the feeling from the formula Connect with Dwight Heck: 🌐 Give A Heck Website 🎤 Podcast Page 📺 YouTube Channel 📘 Facebook 📸 Instagram 💼 LinkedIn 🎵 TikTok 🐦 Twitter / X 🎤 Work With Me

RAN AWAY TO THE CIRCUS, THEN HIT BOTTOM | DAVE LETTERFLY KNODERER This alcoholism recovery story starts with a teenager who ran away to join the circus as a drummer. Dave Letterfly Knoderer joins Dwight Heck to talk about his horses, his art, hitting bottom with alcohol, and the hope he found in recovery and writing. Dave is a circus performer, liberty horse trainer, airbrush muralist, motorcycle pinstriper and author of five books. He grew up in Ohio as the son of a Lutheran minister and the younger brother of a boy nobody understood. From a comedy act with a little black mule to a seven-month route painting at Harley-Davidson dealerships, his career took many detours, and recovery changed his relationship with his father and with himself. What you will learn: How a teenager ran away to join the circus and built a creative life from drums, paint and horses What hitting bottom with alcohol looked like, and how recovery changed Dave How a moral inventory became the start of his writing and five published books How recovery turned a strained relationship with his father into a best friendship Why options are the key to happiness, and why not to give up five minutes before the miracle Connect with Dave Letterfly Knoderer: 🌐 Website 🎨 Artist Page 📚 Author Page 🎤 Speaker Page 🎁 Free Book: Hit the Road and Thrive 🎁 Free Book: Responsible RVing 📖 Amazon Author Page 📸 Instagram 📘 Facebook 💼 LinkedIn 📺 YouTube ✍️ Blog: LetterflyWrites Connect with Dwight Heck: 🌐 Give A Heck Website 🎤 Podcast Page 📺 YouTube Channel 📘 Facebook 📸 Instagram 💼 LinkedIn 🎵 TikTok 🐦 Twitter / X 🎤 Work With Me / Be a Guest

RRSP vs TFSA vs FHSA: which one is right for you? In this solo episode, Dwight Heck explains how the Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA), non-registered account and First Home Savings Account (FHSA) really work in Canada, and why the refund that feels like a gift is actually a deferral. Dwight, a financial and life coach with 24 years in the industry, walks through the tax on the way in and the tax on the way out, the Old Age Security (OAS) clawback, and how interest, dividends and capital gains are taxed. American listeners get a short map of the 401(k) and the Roth Individual Retirement Account (Roth IRA). Before any account, he says, comes the plan. What you will learn: Why the RRSP refund is a deferral and the one question that decides if it is a good deal How the TFSA, FHSA and non-registered account are taxed differently from the RRSP How RRSP withdrawals can trigger the OAS clawback and why TFSA withdrawals do not How interest, dividends and capital gains are taxed in a non-registered account How the 401(k) and Roth IRA compare for American listeners Two questions to ask any advisor before you open an account Connect with Dwight Heck: 🌐 Give A Heck Website 🎤 Podcast Page 📺 YouTube Channel 📘 Facebook 📸 Instagram 💼 LinkedIn 🎵 TikTok 🐦 Twitter / X 🎤 Work With Me

FROM DRUGS AT 13 TO A $10 BILLION EXIT, WITH DARYL DITTMER What does it take to go from a 13-year-old already deep into drugs and alcohol to becoming the second-largest shareholder in a company that sold for nearly $10 billion? Daryl Dittmer joins Dwight Heck to share the origin story behind his sales career and exit. Raised in a blue-collar family outside Detroit, Daryl faced a crossroads in his late teens: get help, or walk away from his family. He landed in sales almost by accident, became a top producer, and eventually earned enough ownership to become the company’s second-largest shareholder. He has since built and exited several businesses of his own, and now runs Show Up Coaching and the free webinar Show Up, Built to Win. What you will learn: Why the most crucial lessons come from what you jettison, not what you collect How a teenage crossroads forced a choice between getting help or losing his family How he became a top producer and eventually a company’s second-largest shareholder Why showing up every day matters more than talent Why your past does not get final say over your future unless you let it Connect with Daryl Dittmer: • 🌐 Website • 📘 Facebook • 📸 Instagram • 💼 LinkedIn • 🐦 Twitter / X Connect with Dwight Heck: • 🌐Website • 🎤Work With Me • 📺YouTube • 📘Facebook • 📸Instagram • 💼 LinkedIn • 🎵TikTok • 🐦Twitter / X

WHAT HAPPENS IF YOU DON’T COME HOME — THE PURPOSE RULES, PART 3 OF 3 What happens if you get injured, get a diagnosis that changes everything, or do not come home one day? In the final part of The Purpose Rules, Dwight Heck covers Steps 4 and 5 of his five-step coaching process: protect what you are building, and the savings rule. Dwight shares one of the most personal stories he has told on the show, a three-year period during his divorce with no life insurance at all, after an advisor more concerned with his own commission talked him out of options that would have kept coverage in place. He also finishes the real story of clients John and Sally, from $40,000 in debt to a protected retirement, and what happened 14 years after they put their plan in place. This is Part 3 of a 3-part series. If you have not heard Parts 1 and 2, start from the beginning to get the full framework. What you will learn: Why protection is the step that turns a setback into a catastrophe What protection means beyond life insurance Why some of the 91% did everything right until one bad day The savings rule and why habit matters more than amount How John and Sally’s story ends, 14 years later Connect with Dwight Heck: • 🌐 Website • 🎤 Work With Me • 📺 YouTube • 📘 Facebook • 📸 Instagram • 💼 LinkedIn • 🎵 TikTok • 🐦 Twitter / X