Growing Money with Sean Trace
Welcome to the Personal Finance and Entrepreneurship Podcast with your host, Sean Trace! In this podcast, we explore a range of topics related to personal finance, business, and entrepreneurship.
With Sean as your guide, we dive into the world of personal finance and learn about how to manage and grow your money effectively. From saving for retirement to investing in the stock market, we cover everything you need to know to achieve financial freedom.
In addition to personal finance, we also explore topics related to business and entrepreneurship. Whether you are a seasoned business owner or just starting out, this podcast provides valuable insights on how to start, run, and grow a successful business.
Throughout each episode, Sean shares his own experiences and tips, as well as featuring interviews with experts in the field. By the end of each episode, you'll walk away with a deeper understanding of how to empower yourself financially and achieve your business goals.
So, whether you are an aspiring entrepreneur or simply interested in learning more about personal finance, tune in to the Personal Finance and Entrepreneurship Podcast with Sean Trace.
Growing Money with Sean Trace
Your Enough Number | Ohan Kayikchyan | Growing Money with Sean Trace
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I sat down with Ohan Kayikchyan, Ph.D., founder and Chief Harmony Officer of Alohana Financial, for a conversation about money, meaning, purpose, and why so many people can look financially successful on paper but still feel burned out, stressed, or empty inside.
Ohan brings a unique perspective as a CFP professional, Ph.D. in economics, enrolled agent, and registered life planner, but what stood out most to me was how deeply he connects money back to life itself. We talked about why money should be treated as a tool, not the finish line, and how chasing “more” without knowing your values can leave you running in circles. We also got into fatherhood, legacy, death, burnout, consumerism, emotional spending, and what it really means to live in harmony with your finances. This episode is about financial peace, not just financial success.
What does “enough” actually look like for you?
Moment will arrive, we just don't know when. When we are not anymore here. There is this book called The Top Five Regrets of Dying by Broni Ware, who used to be uh palliative, if I pronounce this name right, hospice nurse in Australia. She's Australian um writer, now songwriter as well, and singer. And she spent time with uh people in their deathbed when they are spending their last weeks, months, if they are lucky. And she's asking about like regrets that they can have about life. And the top regret um was I wish I had a courage to live my life true to myself, not what others were expecting of me. Because in many cases, we just like go with the society, with our neighbors. There is nothing wrong with our neighbors' path. There is nothing wrong with our teacher's path, with our parents' path, our sisters, brothers' path, our coaches' path. But we all have our true path. And I wish everyone takes a moment to reflect to truly find their life.
SPEAKER_01Really awesome guest with me today. Uh, would you like to tell people who you are and a little bit about what you do?
SPEAKER_00Yes, absolutely. My name is Ohan Kaikchan. Before I start with my uh designations and what I do, first and foremost, I wanted to thank you, Sean, for this opportunity to come to your podcast. I do listen to your podcast whenever I get a chance, and many of my friends and colleagues have already been in your podcast. So thank you for this opportunity. My name is Owan Kaik Chan. Thank you. My name is Owan Kaik Chan, and I'm uh first and foremost, I'm a father, so we can connect on that. I know you talk a lot about your daughter. My daughter is uh not uh quite old yet. Uh yours, uh mine is uh becoming four four years old, actually, in the end of this month. But first and foremost, I'm a father, I'm a husband to my wife, and um on top of all that personal stuff, I'm a certified financial planner professional. I have my PhD in economics, I'm also enrolled agent, but above all that, I'm registered life planner as well. And we'll talk a little bit about registered life planner, which is not very much marketed, so to say, designation. I love collecting these letters after my name, but truly, registered life planner is the most meaningful designation I got. And I'm the founder and chief harmony officer of Alohana Financial. Alohana is a combination of two words, Aloha and Ohana. It has Hawaiian meaning in it, although I'm not Hawaiian, but I studied the process I'm using with my clans in Hawaii. And uh that's about me, Alohana Financial.
SPEAKER_01That's awesome, man. It's cool because you know, you you have all of these great designations, but like still your core designation is a father, you know, and I think that for me too, like I started this podcast because of my daughter Ilani, you know, and it was this, this, this aha moment where she was asking me, Dad, tell me about money. And I was like, ah, something I don't know much about. But it was something that I wanted to learn about because I wanted to prepare her for life, you know, and like an important part of that is knowing about money. But I want to ask you about this because, you know, as I do research about you, you talk a lot about meaning beyond money. Like, why do so many people keep chasing more money and still don't feel happy afterwards? Because like it can be something that people can go for for a long time, you know? But why do you think so many people chase it and then they just they feel empty inside?
SPEAKER_00That's uh such a great question, Sean. And before I answer, if I can comment really quick what you just mentioned about being fathers. Yes, being fathers. I I remind myself that one moment, anyone you encounter who is adult, they used to be a kid. And uh when you when you think from that lenses, sometimes we get upset on maybe driver who is not driving um peacefully in front of us, or some encounter we are having with customer service or something. Looking at my daughter right now, she's my biggest teacher, by the way. Looking at my daughter right now, I see that we used to be kids as well, and then our society changed. And because of that, we got certain beliefs, we got certain aspirations. In many cases, not being not sound judgmental, but society started telling us like, have a bigger house, have a nicer car. And we we thought that that is all about success. But the reason I mentioned deeper meaning in your life, probably your audience already realized from my accent, English is not my first language. And for me, it was hard in times to differentiate words. So and I I do know that even native speakers sometimes talk about meaning and purpose. They use it interchangeably. But I try to pay attention, like what is differentiating meaning from purpose? And what I came across from different books I read, different studies, different articles, that meaning is more of like, am I living meaningful life right now? Which get translates to, is my life in accordance with my values that I have? Or I look back and I'm like, was my life meaningful? But for the future, in a year, two, three, five, ten, twenty, god willing, if we are still around, I want to live meaningful now. So from that point in the future, when I look back, the life that currently I'm living now is meaningful and it is beyond money. In order for me to live meaningful life, I need to have a purpose. And my purpose is my daughter, my purpose is my wife, my purpose are my clients. That I want them to understand that there is life beyond money. We'll talk about money, I'm sure, but then this bigger part that you give yourself a treat and stop, and you just think what am I doing with my life? Am I living my life meaningful? That's more important than any numbers optimization or anything that we can do. Right?
SPEAKER_01I had I like money, I love money, but I don't love money for the reason a lot of people do. I most of the money that I spend goes into certain things. Mainly, uh I'm actually very thrifty. I don't spend a lot of money, but I spend a lot of money on my daughter. I make sure that she has good private tutors. I'm she goes to public schools free. But we have good tutors, we have a good art tutor, we have she studies piano, uh, she studies math classes, she studies extra Vietnamese and English classes, because like that's something that's really important for me. Now, if I didn't have money, then it makes it harder to do those things. But yet to me, the real meaning is not in the money, it's not in just collecting something, it's about what I can do with that. And I want even more money. Why? Because for me, I want to be able to make an impact. And I think that one of the things for me that you know having an impact is to be able to create more of these videos. And these videos create like require money. So, like, is money the goal? No, no way at all, man. But what you can do with money is a powerful thing because for me, every last thing comes from my desire to make this world a little bit better of a place because I'm not gonna be here forever. But my daughter will be here for longer than I will, and her grow and her children, my grandchildren, and my great, can we leave a legacy that's bigger and better than us? You know, and that's that's the only reason that I chase money is because there's something that I want to do with it. But it leads to my next question. As fathers, we're gonna get these questions from kids. Like, if a 10-year-old or younger asked you, what's the point of money, what would you say?
SPEAKER_00That's another great question, and you already, in a sense, answered that question. But I will give my uh my uh opinion about money. Money in my mind, I will explain uh to a kid that it's a tool. Similar uh what what is uh let's say hammer. You can do great things with hammer, you can build houses, and unfortunately, you can use it to destroy goods with hammer. Similar to that, money you can amplify and do great things in the world. In the meantime, unfortunately, money can become a problem and get create more chaos and problem in the world as well. So it is very important to be intentional about money. Again, money is a tool, and although our society we got used to um confusing our success with this monetary, like how much money I can get. But money is not the goal. What do you do with money is the goal. If I have a hundred dollar bill on the table and I come back after two, three years or ten years, that $100 would just sit on the table if no one took it or stole it from me. But it would not make any impact by itself. But just using me that as a tool, such as the experiences that you are talking about, it can be education, it can be a vacation, or something that is meaningful to you, that is a very important tool for you to accomplish that meaningful actions and uh meaningful goals that you have in your life. So money is a tool. That will be my answer.
SPEAKER_01Yeah. I I love that because I think that to me, um, you know, I had to get very clear of that because I grew up with family that didn't have a good relationship with money. And I mean, and that's wild that you can have people that go, like, if I were to reframe that, like my family, we didn't have a good relationship with knives. But you know what? Like, we don't cook in my family. So it's like, you know, if you don't understand a knife, you can't cook good dinners. And it's like, you know, but we a knife, a hammer, a net, all of these things can do wonderful things. But you know, a hammer in the right hands can build a house, a hammer in the wrong hands can hurt someone. Same thing with a knife and a net, you know, great net can catch fish, a bad net can can tangle up a dolphin or something. You know, and it's interesting because it's still just a tool, but we have to teach the kids how to use that tool. And I want to ask you this because a lot of adults are burned out, stressed, and exhausted, even when they're financially successful. Like, how does that happen?
SPEAKER_00And I can relate to that. Uh, my one and only corporate job that I had in America, I started as a cashier, as a teller, got my securities licenses, became a licensed banker. Eventually I was a private banker for a major bank. But every uh Sunday evening, my wife was telling me that something is changing in you when the Monday approaches. Because I know the next day I will go to work, the week will start, I need to make certain um phone calls, I need to talk too many uh clients without truly taking time for me to understand them. Because major banks, brokerage firms, they are very transactional instead of taking their time and building quality relationships, which in many cases takes time. So that translates to burnout in my case. On paper, I was doing great. I had a new car, I had a nice house that I was living in. But in the meantime, deep inside, something was telling me that this is not what your body, what your mind, what your soul, what your spirit wants you to do. Because again, like our society taught us that we can go after money, which is this tool again that you that you mentioned. But then we never got taught that let's reflect on our values, what do you want to accomplish in your life? And many people just don't have that time because they need to pay their bills, they need to get the next promotion, they need to get bigger houses. So we are in this constant uh and and plus the comparison comes into the into the place with our social media marketing. People compare their lifestyle with their neighbors, with their friends. So we are constantly trying to rush and get more and more and more, but without stopping and just again like thinking about like is my lifestyle today according to the values that I have? I talk a lot about harmony and about alignment. That's in my opinion very important concept to make sure that your life aligned or harmonized with your values. And how you do that, just like stopping and reflecting on your life. Because many people who are millionaires or even billionaires, we can listen from media, from different outlets, that they are not necessarily happy. Versus there are people who don't have that million dollars, but they are very happy. They are very happy dad, they are very happy husband, they are very happy neighbor or brother or son or daughter. So, money, we get confused that with more money, it will bring us happiness. But in reality, we know no one at their deathbed thinks of like, I wish I had more money. Everyone is thinking about having more meaningful relationships in their life. And in many cases, I wish I worked less. Not I work more. No one thinks in their deathbed like I wish I worked more house.
SPEAKER_01One of the things I had someone tell me was to figure out you have to figure out your enough. What is your enough number? Like, what is the amount that is enough for you? Because you know, everyone wants more. And more, more, more, more, because at the end of the day, more is um it's an impossible thing to achieve. Like you can be aiming for more forever, but it's gonna run you in circles because you know, when I I do videos for people, and when a client messages me and they say, I want it to be better, and I say, What do you mean? Like, better is not a concrete thing that someone can grab onto. More is not a concrete thing that someone can attach to. Like, it's just this, well, I want this much more. This is because I want to pay for my daughter to have a nice class. Okay, I need to make this much more so that I can put my kid into a private school if that's something that you want. Okay, now we're talking about something that has a value behind it and is achievable and categorical, like like you can categorize it. But just more, it can drive you crazy because you're always going to be looking for more.
SPEAKER_00Absolutely. There is this saying, yes, the goalpost always goes goes further, goes up. There is this abbreviation in um financial industry called Henry, who are um people who um the ones that are Henry stands for uh high earners, not rich yet. But these high earners, in many cases, it will be either doctors or or or lawyers. In many cases, they are earning more than enough. And again, the enough can be different for everyone. But every time they get that raise, they get that promotion, they're like, I can have a better car. Maybe I can get my second car, I can get a larger house, or I can get vacation. But again, like, is this necessarily aligned with your values? That's what you need to think about. We always, as a society, got trended that uh materialistic stuff and goods bring us happiness. But in reality, as um history shows, more like from inside, like what your values are deep down in your heart that you want to accomplish. Again, when at the end of the life, and I talk a lot about death, because if you go out and now uh ask 10, 20, 100 people, like everyone is aware of that death will arrive eventually, but we don't every day live with that awareness or every moment or every hour. So when you remember that the death will eventually arrive, you will not be able to take anything from this world, as you know. Majority of um conquers and kings and queens, no one takes anything with them. And you in the end of the life, you will not think like I wish I had a larger house or I have a bigger car. That are not things that usually people regret in the end of their life. Then your values start changing. And there is one exercise I always suggest people to think about. If you take out your credit card statement or your checking account statement, in many cases, these account histories reflect your values. And you can start thinking about like these transactions that I did, that in many cases we don't even remember what we did last month or month before, or just go back a year ago. You will see that you are spending money on some stuff, truly stuff, that is not bringing any value to your life.
unknownYeah.
SPEAKER_00And you can get and I'm not talking you didn't you need necessarily to become a minimalist or nice cars are not good. No, they are absolutely good if they are bringing value to your life, if they are something that makes your life meaningful. We started our conversation with meaning. And if that's the meaning, please go ahead and do it. But I highly doubt that um having a nicer car or second car will bring you happiness and meaning, versus spending time with your daughter or your son or your loved one can bring you that happiness, that experience that you will have. That's why many people are burned out. They work on the weekends, they work long hours, but in the meantime, they are missing most important that we have the human connection, that heart-to-heart conversation with their loved ones and their neighbors, their relatives, or whoever whoever they have in their life. I I 100% agree, man.
SPEAKER_01I 100% agree because I think back about, you know, and I think that one of the things that we don't talk about death enough. The other day I went to watch this beautiful video uh movie. It's from Thailand, and they follow the life of this one dog, and the dog had all of these things that happened to it. It's a beautiful movie, absolutely beautiful movie, and it follows this dog's story, and it he's you know, a dog that's dumped on the street, but then he gets this really lovely um uh chance to live with this guy from Japan, but then the owner dies from COVID, and then after the owner dies from COVID, uh it's very challenging because the dog, you know, has to go and go into all these bad situations. But as the movie progresses, it gets sad, and it's sad because I lost people have lost dogs. You understand, because they're in your life for such a short time, you know? And I was sitting there thinking about that, and one of our dogs, I keep thinking he's young, but he's already seven years old, you know? And it's like, wow, that time flies way faster than you think. And I think that what's important to me is to recognize that and to remember that. In Stoicism, I I love Stoicism, they have this beautiful idea of memento mori. And memento mori is just this this recognize recognition that eventually all of us die. And it's a beautiful thing that you've lived this life, but there will be a time when you're long no longer here. And it allows you to ask the question of what do you want? To do while you're here, what type of impact do you want to make? What type of stories do you want to be remembered in? You know, because that's one of the reasons I do this podcast is because I hope that I get to live a long life and spend a long time with my daughter and family. But if by chance I'm walking down the street and a car hits me and I'm gone, at least some of this will be there so my daughter can see it. At least some memory of me will live on. But there's so many people that are living in a way that they might not be happy about. They might not feel fulfilled, they might not feel content and they go, you know what, I'll change someday. I love my mom, but she wanted to move to Hawaii for the longest time and get into a retirement community there. She was accepted, but she kept putting it off and putting it off and putting it off. And I say, Hey, are you going to remove to Hawaii? And she's like, not now. That you know, that time has passed. But you know, it's interesting because if you don't think about it, you'll never prepare for it.
SPEAKER_00Sean, you you you brought a great point. Um, we don't talk enough about death. I I I did mention that as well. Um and uh if you if you think it tomorrow it is not one more day, it is one less day. If you if you are thinking, it is one less day from our life. Because that moment will arrive, we just don't know when. When we are not anymore here. There is this book called The Top Five Regrets of Dying by Brony Ware, who used to be uh palliative, if I pronounce this name right, hospice, nurse in Australia. She's Australian um writer, now songwriter as well as a singer. And she spent time with uh people in their deathbed when they are spending their last weeks, months, if they are lucky. And she's asking about like regrets that they can have about life, and the top regret um was I wish I had a courage to live my life true to myself, not what others were expecting of me. Because in many cases, we just like go with the society, with our neighbors. There is nothing wrong with our neighbors' path, there is nothing wrong with our teachers' path, with our parents' path, our sisters' brothers' path, our coaches' path. But we all have our true path. And I wish everyone takes a moment to reflect to truly find their life. And there are questions to ask to find this. But it is very important for us to live the life now because again, the death will eventually arrive. And what will be meaningful for you, yes, to leave.
SPEAKER_01But if you're not preparing for to ask those questions, you will never be ready. But like it leads me to this next question because I I keep thinking about this. What's the difference between being rich and actually feeling secure? Having that good feeling that you're doing the right thing, you know?
SPEAKER_00That that that's a great question. By the way, you are a great uh conversationalist, you are a great interviewer. Thank you. Rich is if I think right now, rich is again like number on the paper that you are rich versus versus being being secure. People go after becoming rich, but in reality, they are looking for the emotion under it. Yeah, they think that becoming rich it will make them more happy, more secure in this case. But in reality, again, the security and this uh emotional part is something that they are yearning to get. In many cases, this reminds me of like, I want to become rich so I can buy a house next to the ocean, so I want to have um ocean facing house. But when you ask further questions like why you want that house, in many cases, maybe they just want to go to bike next to the ocean. And this feeling they can get by renting that house. Instead of just chasing for the for becoming rich to buy that house, they can rent the house for 10 days or 20 days just to have that feeling. And in many cases, that feeling hopefully brings them more emotions than like, no, truly I want to buy the house because I every morning I want to wake up and do this biking here. But of what if it is not something that you truly enjoy? And then you are realizing that I'm spending all these long hours, long weeks getting rich to get that house. But what do you want is that experience, what that house will bring it to you. So I'm always being a believer of trying now, doing now, instead of waiting for one moment when I get rich, when I get retired, or when this happens to my life. What if that when that future time never arrives?
SPEAKER_01Right? Right? I wanted to ask you this though, too, because it leads me to a thought like some people are out there, you know, because they don't have that clarity, and some people are just spending money on things they don't even really care about. Like, why do you think they do that?
SPEAKER_00That can be that um we are bombarded with so much marketing, especially in big cities, large cities. I used to live in Los Angeles. Everywhere you go, there is something like new. It can be a newer phone comes out, it can be newer dress comes out, newer car comes out. And I believe this is this became more of like a coping mechanism. People think that by having these new belongings, it will uh compensate for them being tired, for them being overwhelmed. That's my understanding, especially like in America, living in America, we have even index, yes, consumer uh confidence index. It is something that many uh investment advisors are looking after just to see how people are consuming. When people uh stop consuming, there is this sense of like economy is stop working because we are so much in these consumer things. But we we in many cases we create clutter by consuming and having that all the stuff in our house. Of course, like someone can look like they can think of I have clutter in regards to books. But again, this is this brings me meaning and this is very much giving me value in my life. But if let's say I have how many clothes you need to have, how many shoes you are going to have, but then by getting these new shoes, in in many cases, it's uh it's again like comes to emotions and psychology under it. They are feeling like if I get these new shoes, I will feel happy, I will feel good. But again, like no one thinks of like at the end of the life, we talk a lot today about it. No one thinks of like, I wish I had that red Nike shoes. Nothing against Nike or something. But then, in my opinion, the consumption is very big. There is something under it that people are not satisfied and they are trying to do it with the shopping. People call it like um shopping in many cases in America is also therapy. But what type of therapy is that if you are spending your money on stuff that you don't even need, maybe after a week or two or a month, you look back like, do I already need to spend that much money to get bigger TV? Right?
SPEAKER_01What was it? Uh I was reading like spending money on stuff to impress people that you don't like, you know, or you don't need to impress, you know? And I think that that's something that people want to feel fulfilled. They want to feel validated, but they spend money on things that they don't even care about, you know? Or it's just, you know, keep up with the Joneses. But you talk about harmony and alignment a lot. What does a healthy relationship with money actually look like in real life? How can someone be aligned and in harmony with their finances?
SPEAKER_00Before again, I answer this question, which is of course very important question. Let me make another comment on your previous question, which right now just came to mind. When you are realizing that everyone eventually leaves the planet Earth, they die, and after some time, in many cases, people don't even remember about uh the person who passed away. You are just realizing that you should live your life about for yourself, first and foremost, for uh for your loved one, for the meaning that um you have, for the change you want to make in this world to make it better, versus like the way that you mentioned, to impress someone. We always have this, as humans, we have this impression that people around us are looking. Um I believe Morgan Housel has it in his Psychology of Money book that the driver of this nice car thinks that they are looking and thinking, oh, like who is this cool guy or girl driving this car? But people usually thinking like, I wish I have that car. So they think about think about themselves. Versus, we think that they are thinking about ourselves, how cool we are looking. That's why we are trying to get all this stuff to impress others. But in reality, they don't care about us. When they go to bed, they don't think about like, oh, that was nice shoes that Owen or Sean was wearing, you know. But about alignment and uh harmony. So I came to this realization that we always talk about balance, just to have balance in our life. But in order for you to have balance, it seems that you are paying less attention or something in order for you to keep that balance. Versus harmony, and you talk about art a little bit, how your daughter is involved about art, harmony comes from music. At least that's how I associate harmony. And when the musical instruments play in harmony, it is not necessarily means that one instrument stops playing and only another one starts. They they just play in harmony. So, of course, like some will play with um with higher volume, some will play with less, or some will play with different timber if we go very much to music and everything. So our life um consists of different aspects. It's not all about money, it's about wellness, it's about your mental wellness, spiritual, body wellness, it's about your relationship. And of course, like wealth as well, which again we can discuss a lot. Like, wealth is not only monetary. So, my understanding is that I want uh my understanding is that we need to live our line life again according to our values, what we value in our life. And in order for us to do that, we just need to sit and to understand, which in many cases comes in midlife, like round like 40 in many cases, that people wake up one day and like, like, what am I doing with my life? I need to make some changes. And when what how how you can do that again by sitting and thinking, reflecting, not being judgmental to you, but just thinking of like the work that I'm doing right now, is it aligned with my values? Is it aligned with the life that I am building? Because that the goal is not just to go to that future point, but enjoy the journey. We are in many cases uh focused on the destination, but in that case, you are missing like the process, and I want people to think about harmony, and harmony is something that aloha is consists of aloha and ohana. So aloha, yes, in Hawaiian, and we talk about Hawaii, uh, again, it means hello in Hawaiian. In many cases, it is also just greeting, but it it means also peace. And in one of my um um favorite books, Seven Stages of Money Maturity, by uh George Kinder, who is the author of author of it and um the registered life planner I was mentioning, I do um implement evoke life planning process, which we which again founded by George Kinder and Kinder Institute of Life Planning. In that seven stages of money maturity book, Aloha is the seventh stage, is like the stage that you are in a position that you give without expecting anything back. So you you came to that realization. Your your life is on that level that you can give without anything um waiting to get back. In order for you to get to that level, absolutely. Right now we have we we have uh I'm sure like listeners who will listen, they're like, oh, but I'm struggling with my bills to pay. Like, how I can give without expecting anything back. And and and I I have compassion about these people. There is this hierarchy of needs, yes, mass loss hierarchy of needs, that you need to have the shelter, that you need to have the food. These are very important things. But in many cases, people get these needs met, but then they just don't know what is next. If you took the time and truly understand what you want to accomplish in your life, that is the moment that you understand what is enough. That you know you don't need necessarily to go that one hour extra, one extra hour work to get certain dollars, just to have more and more dollars in your brokerage account or bank account. But maybe you spend this one hour, again, spending the time with your loved ones. This is your aligned life. Not necessarily going with this consumer um mindset and the economy getting more and more and more. This is what I try to do with my writings when I talk about harmony. Harmonious life is something that you are in peace. And peace in many cases is larger goals than just to have some monetary like number. I like I want to get $1 million or $2 million or $5 million, whatever people have goal. But just to have that peace, which is, again, emotionally, your nervous system is calm. It doesn't necessarily mean that you will not have any problems or issues, but then you will have the peace, knowing that you will wake up tomorrow morning and jump from your bed, knowing that you are doing something meaningful.
SPEAKER_01I love that. My brother, where can people go to find out more about you and what you do?
SPEAKER_00So as of this moment, uh I'm I'm active on uh LinkedIn, which is they can find me with my name Ohank Kaikchan. My friend's website is Alohana Financial Altogether, alohanafinancial.com, where I publish my blog as well. I'm also on Substack, again, under my name Ohan Kaikchan.
SPEAKER_01That's awesome, man. Well, I have to say, this has been a masterclass. And if you could tell people that are listening, someone listening right now, what's the best way to start finding financial peace today? What would you tell them to do?
SPEAKER_00I will suggest again and not to be judgmental. Don't uh don't judge uh what you did in the in the past because it can bring to guilt and unfortunately, even worse, in many cases, to shame. Don't judge yourself. But give that gift of sitting with your thoughts and stopping for a moment and thinking about am I living my life true to myself? Am I working on realizing my hidden dreams, aspirations that I have hidden in my heart? Am I working towards making my dreams a reality? And when you think along that lines, you are you you you stop doing some things that truly not align with your authentic, with your true, with your harmonious life. Just think and reflect on that. Am I living my authentic life?