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Chapter 1: What products and services are introduced at the beginning?
Trendsetters, we get to do some pretty cool shit here at Alpha Blokes, and without these guys, we wouldn't be able to do it. So listen up.
Better beer. Get around some God's nectar in any good bottle shop today.
CTC, the arseless hat salesman, and the whole team at CTC have the best range of hats in Australia. So go get around them.
SP Tools, the official tool of the Trendsetter, with everything you need to keep your car guy busy.
Papa Macros, keeping us all on track at Alpha HQ. Use the code ALPHA for $30 off your first order or ALPHA10 for 10% off reoccurring orders.
Port West, if you want to be safe and still look trendy, go and get around Port West. Built tough, just like this community.
And Ned's the book of your choice at Alpha Blokes HQ.
Stay Nedly.
I just want to say from the bottom of my heart, I'd like to take this chance to apologise... To absolutely nobody.
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Chapter 2: Who is Grant Clifton and what is his background in finance?
Yeah, awesome. Rowley, yeah. Shout out to Rowley. Shout out to Rowley. Bloody Aids. Yeah, yeah. Mate, how cool is that though? Like I suppose using the skills that you learned in banking and finance to go and be a part of this operation on the Cook Islands fucking fishing men. Yeah, yeah. And being able to use your skills to, I don't know, help a company and make it better there. Yeah.
It would have been a great part of your life.
It was, yeah. It was a dream come true because I'd always loved fishing in boats, grew up around them. Oh, yeah? I bought my first boat when I was 16. So it was an old plywood boat and it had a bit of rot in it, so we used to pull that apart and refibre glass, put some fibreglass over it.
Had this crappy old outboard, used to break down all the time, but we got it going and we used to go out fishing. Yeah. And then actually in 1996 when my old man passed away, he left us a little bit of inheritance and I bought it, used that, and I set up a boat hire company. We used to rent out tunnies.
Yeah, good stuff.
So people go fishing.
What sort of stuff, mate, I suppose, back then, like if you were going fishing in New Zealand, is it snapper? Yeah, snapper.
Is that the big one? Snapper and kingies. Kingies, yeah.
Kingies is it, isn't it?
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Chapter 3: What challenges do people face with finances and how can they overcome them?
So, yeah, you live and learn. Yeah, good stuff.
Did your old man take you fishing much as a kid, mate? Is that how you sort of got into it?
Yeah, absolutely. So my old man had five brothers and we used to go to a place called Stoolwater. We all had caravans there. Oh, yeah. And just about every weekend we'd go up there. That's where we grew up. And we'd be out in boats just all the time. All my uncles had boats. It would be on the boats, you know, a carton of beers, and we'd all go out and catch fish. And that's what we did.
So, you know, driving boats when I was probably five or six years old. That's awesome. Yeah, yeah.
Now, Cliff, you've got a few years on us, mate. What timeline are we talking here that you were doing this stuff? Because obviously we remember when we were kids, but it was even, I suppose, I reckon a better era back when you were a kid, man, and it would have been a lot more laid back and you'd be able to do a lot more. Oh, yeah.
Get away with a lot more. In the 80s, basically. Yeah. So I'm a 70s child. Yeah. So, yeah, in my 50s now.
yeah yeah so um yeah no it was in the 80s so it was a lot but where where that place is now used to take us two hours to drive there yeah um because there was no motorway so you'd have to go drive through suburbs to go over the harbour bridge in auckland head up up to what an area called fonga paroa and um used to take two hours to get there now you can get there in 30 minutes because it's motorway all the way yeah you know so that's how it's changed and that camp is is um
Just been sold, I've heard, and it's been turned into houses.
Oh, really? Yeah.
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Chapter 4: How does personality affect financial behavior and decision-making?
We were going to move here a few years ago in the middle of COVID, actually. And we came over and nearly got locked down. And we were looking at properties, but we went back. And what's made the decision for us to move now is my daughter's moved over here. Oh, yeah. Yeah. And we're like, right, we can go now. We've got nothing holding us back. Okay.
Yeah. Yeah. No, it seems to be a lot more opportunities over here, man. Like my sister is married to a legend from New Zealand and he's over here as well. And they made the move to try and go back over there for the kids, you know, to learn the culture over there and stuff and wanted to give it an effort. And they moved over, man. And it's fucking hard at the time over there.
And they, uh, they moved back here and, you know, got going here and they're going really well now, but yeah. Yeah, it seems to be, and that's not coming from experience myself, but just seeing it with my family first hand, it must be a bit of a tough time over there compared to here.
It is. It goes through cycles. I've been through three property cycles in NZ in my career in finance, and you can just see it coming. And it's been in the sort of recession for a couple of years in NZ now. Mm-hmm. I don't want to get political, but governments don't seem to do the right things. And at the moment, yeah, there's a lot of people.
Inflation's been huge, and people can't even afford to put groceries on the table. And I come over here, and you go to Aldi or whatever and get some food and some groceries, and it's probably about 40% to 50% cheaper.
Is it? Yeah.
Than over there? Yeah. Oh, yeah, right. It's just, yeah, I can't understand it. Yeah, it's pretty wild, eh? The only thing that's cheaper in NZ is beer.
Yeah? Yeah. Oh, well, we can go there for a piss-up and come back.
Yeah.
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Chapter 5: What mindset do people have about financial struggles?
So great for blokes, and blokes don't normally like learning about this stuff.
No. Well, like I said, mate, I think it's a thing where it just seems too hard, so you push it at the back and just go, ugh.
Well, I'll tell you straight up, I just go, I'm not buying a house. It's not in my reach. I don't have a problem being broke. When I get paid, I pay my bills and then fucking struggle with the rest, right? Do what I can to fucking still enjoy life. And I'm completely comfortable with the fact that I'm probably never going to buy it. I mean, little things are changing.
Me old man, he's trying to fucking steer me on the right direction. Yep. And we're slowly getting a bit of shit. But if I never owned a house, I wouldn't give a fuck. Yeah. I'm carefree in the sense that like that, I've got no problems with being broke. Yep. But when I am fucking tired. Mm-hmm.
I can go from the fucking happiest person in the world to the most miserable cunt, and it can be to the fact of, fuck, I'm not going to be able to buy a packet of smokes until tomorrow. I'm the most mungery cunt and fucking hate being broke.
This will help you a lot because what it will do, because with your personality, you have peaks and troughs, right? Big highs and big lows. It'll help smooth it out so you can understand, hey, I'm going down this path. How do I stop that? How do I recognize where I'm going and just, yeah. And also in the future, things change, mate.
You know, your lovely lady might say, hey, how about some children and a house at some stage? And, you know, it would be nice to go, yeah, okay, let's do that, you know. And even though you might not be in the position right now, things change very quickly. And in 12 months, you might go, yeah, let's buy somewhere, you know. Yeah. Financial security, you know, it's what you want for your future.
Yeah. I mean, I'll work with you. I'll get you to where you want to be. Yeah.
You know. Do you think with the mental thing as well, mate, I feel like people have certain morals and standards, right? But debt and financial pressure would, I reckon, a lot of the times push people to do things that they aren't comfortable doing so they can get through life. Do you think that would weigh a lot on why people might get into bad mental states?
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Chapter 6: How can understanding financial pressure impact mental health?
It weighs heavy on a lot of people, you know. And as I say, blokes, we're wired to be the provider. And when you can't be the provider, oh, God, it's not a good place to be. Fuck no, man.
I think we can all relate to that. Like there's just that fucking primal feeling of providing for your family, isn't there? And, mate, there's some fucking ā it's amazing. Like my wife is the most incredible human I fucking know. I'd be fucked without her. And she's so impressive. But at the end of the day, mate, I never want to feel like I'm relying on her to provide for our family.
She does, mate, just as much as me in this whole fucking scheme of things. I'm here talking and that, but behind the scenes, man, she's the rock. But it's still nice knowing that you're contributing, right?
Yeah, absolutely.
Yeah, yeah, yeah, yeah. So, mate, I suppose how do people get onto the book? Like if they want to grab it and sort of work through it, what's the process?
So it's online. It's a downloadable e-book. And I've got a website called debtfreeme.online. You can jump on there. I've put a code in there, alpha 10. So normally we charge $25. If you put the code in, you're going to get $10 off. There you go. So it's the cost of... Less than two beers and there'll be something in here and I guarantee you this will save you money.
If you follow one strategy, if you follow them all, it might save you tens of thousands of dollars. It might set you up for the future. It might be able to get you in a right headspace to move away from where you are now and living the day-to-day, struggling to be able to buy a house in a year or two years' time.
Mate, even that, I'm interested to breathe through that personality thing. Yep. And even that, for a lot of people to understand which person they are and which strategy to use, I think would be fucking amazing to start learning a bit about yourself.
I think it saved my marriage, to be honest with you. Yeah, I learned a lot about myself and a lot about my wife. Yeah. And, you know, we weren't arguers or fighters or anything like that, but we'd just do the old silent treatment thing, and that's the worst thing.
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Chapter 7: What practical tips are provided for managing debt?
That's awesome. Yeah. And it's helped us out a lot. So, yeah, there's that. The personality thing is good. Once you know your particular style of personality and you can just implement a couple of things from it, learn more about it. I mean, life's about learning. Life is a lifelong journey of learning.
The more you can learn, the more you understand about yourself and your mates and business and the further you'll get ahead and enjoy life. You don't want to be a sad sack all your life and just not go anywhere and think, shit, the world's a terrible place because it's not.
A lot of the times people probably wouldn't take a jump to do something they want to do because they just don't know enough about it. Yeah. It's too much to fucking try and take on, so they just reside to be happy with what they've got until they die. Yeah, that's right.
But I suppose the more you can pick up and learn in your free time, then, you know, you've got more tools to use if you do want to take a plunge on something.
Yeah.
I know there's people listening from UK and Canada and our Canadian mates. Yeah. America. There's heaps of Kiwis listening to this. I know heaps of guys I know listen to this. Yeah. But this book's applicable to anywhere in the world. Yeah. The terminology might be slightly different, but, you know, pick it up and have a read and it will be applicable anywhere.
And the world is a strange place at the moment.
Oh, probably.
Isn't it what, mate? Yeah. Isn't it a fucking what? We were talking a while ago, man, and I said if the last six to 12 months was a fucking movie, you'd be a ripper. Yeah. We just don't know what the ending is yet. Like, isn't it wild? All the shit going on. You sort of sit there sometimes and you think, is this fucking actually going on or what?
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Chapter 8: How can someone get started with Cliffo's financial advice?
Because, fuck, it's weird, Ben. Yeah. The guide we were with, he was quite cool. I did ask him, and they show you pictures of how they rolled them. They built that with the sphinxes. There's like a track there where they used to roll blocks up and just push it by hand. Just slaves. Yeah, pretty much. Yeah, yeah.
That would have been impressive, mate.
How the hell they got them up there, I don't know.
Yeah, that's what I mean. You sit there and you go, I'm just going to leave that. Yeah.
And why did they make them fucking triangular-shaped? There's heaps to think about.
And they all, like, match up with certain fucking things with astrology, and that is so much in it, eh? Yeah. Yeah, so much history there, though, isn't there?
Yeah, it's ā I just found it mind-blowing. The Egyptian Museum's amazing, although the English stole most of their artefacts, and there's more artefacts in the British Museum than there is Egypt.
True.
I should give them back one day. Yeah, yeah. Yeah, bloody palms. I'm a ā you know. Yeah. Third generation Pomba, you know. Yeah. Yeah, no, we went to Tutankhamen's tomb. He's the famous boy pharaoh. Yeah, yeah. Yeah, and they've stopped people going in that one now, but we actually went right down into it. Oh, they stopped it, have they? Yeah, it's closed now, I believe. Yeah.
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