solving your money problems



If you are feeling incomplete or unfulfilled in life, today’s blog and podcast guest, Leon Fontaine, recommends a check-up in four critical areas. Leon is a leader of leaders. He is also an author, spiritual authority, and a great friend. Recently, I sat down with Leon to discuss the quadrants of life and what these areas can teach us about our personal satisfaction or struggles in relationships.

For the entire conversation with Leon Fontaine, listen to DAVE MARTIN’S PODCAST: SUCCESS MADE SIMPLE.

Dr. Dave: Leon, can you share the information from our recent roundtable about the quadrants of life and how that relates to everyday issues?

Leon Fontaine: People often ask me, “How do you keep yourself on the cutting edge and always in the game? I have relegated that strategy to these four areas: IQ, EQ, AQ, SQ.

The IQ is the intelligence quotient. It is the measure of your intelligence. We know there are multiple kinds of intelligence. I ask myself – am I growing? Am I becoming a more intelligence leader, person, etc? In today’s world, you can develop and go after knowledge. Knowledge must then be meditated
upon and that’s where you gain understanding, then it becomes wisdom. IQ is crucial. Many people do not continue to read and learn. They learn until they are in their early 20’s, then they defend for the rest of their lives what they have learned, and that is sad. Continue to read and learn.

You must learn from other people, too. One person can give you one thought that will cause a breakthrough and you will learn something you didn’t even know that you didn’t know.

The EQ is the emotional quotient. The EQ is your ability to work with people. You can be a brilliant person with incredible intelligence and nobody wants to work with you. Your ability to hang on to high quality staff is impossible, because you have no emotional quotient. If you are not continuing to move forward, ask yourself if you are not growing because you personally are not increasing your intelligence quotient (IQ)? Or, are you not good a getting people onto teams and understanding them and speaking into their world, and coaching them on your team (EQ)?

The AQ is the adversity quotient. Many leaders have a problem that is eating them up – a problem that sometimes cannot be solved. When that happens, when you are in that season, it is important to have your AQ at an increased level so you can handle the attack and the pain. The pain will continue until you outlast it because there is not a way to solve this problem. All great leaders will go through moments, or even a season of great pain, where a lot of them quit. But this difficult season is good news, because the copycat competition will not make it; they are low on AQ. Great leaders can handle pain and know they are going to get through it.

Dr. Dave: The more pain you can handle, the higher you can go in leadership and in life.

Leon Fontaine: Yes. As one of our friends says, the difference between good leaders and great leaders is their ability to handle pain. Pain will cause people to treat people wrong; it will cause them to make wrong decisions. Pain will make you quit because there are so many other temptations in the pain. Your ability to grow your AQ is huge.

Then there’s the SQ. The SQ is the spiritual quotient. I have some very direct thoughts on that, but you will find that with all of your success, there will be something inside of you that is empty. Most men and women who achieve goals hit depression, and it is something that very few understand. Many times they just grab another goal, but I have noticed that there is an SQ. It is the measurement of your spirituality. Now we are all spiritual, but you have to ask yourself some questions:
- Who am I?
- What is my identity?
- What is my purpose?
- What is my gifting?
I’m a Christian, and for me, my identity is that I am a child of God. Then my purpose is to advance his kingdom and to help people. I have to discover the gifts that are within me so that I can add my skills to my mission.

When I am going through a time of struggle, I would take a look at myself and I would write down these four Q’s – IQ, EQ, AQ, SQ – and evaluate where I stand related to these four areas.
- IQ – Do I just need some information?
- EQ – Are these people issues, and do I need to spend more time with some of my leadership staff, and is this a symptom that I am not recognizing some of their issues?
- AQ – Do I just need to toughen up?
- SQ – I have meditation time that is not about anything to do with achievement; it is just about me enjoying God and focusing on Him, and letting his transcendent power fill me up.

Dr. Dave: Do you think about all four of these quotients each day?

Leon Fontaine: No. I would say that there are many other things that I use, but when I feel that
something is off, even in a time of success, I come back to these four. I would say that I evaluate these weekly.

There is so much data out there, you have to determine which data you will dive into, and which data you will own.

Dr. Dave: Developing these areas of life is powerful for any leader or any person.

Leon Fontaine: These four areas can be applied to all relationships in your life - your spouse, your
children, your parents, your friendships, your employees, and the list goes on. You can focus on these four areas and can find the problem quickly.

For more information, visit

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Are you overwhelmed with concerns about money? Today’s blog and podcast guest, David Crank, can help you. David is a speaker, author, pastor, world-changer, and a great friend with a special gift for helping people in financial distress. Recently, we had a conversation about David’s latest book, Solving Your Money Problems, and discussed a few practical ways to save money and to get out of debt.

For the entire conversation with David Crank, listen to DAVE MARTIN’S PODCAST: SUCCESS MADE SIMPLE.

David Crank: Sometimes money problems become overwhelming. I wrote the book Solving Your Money Problems to teach people who have more month than money how to engage in practical budgeting processes that will help them.

One of the first things people sometimes do is cut up their credit card. I tell them to hold the credit card, because emergencies will happen, but to be wise in their spending. For instance, don’t go to Starbucks and spend $5. Put that money back. In one work week, you will have $25. In a month, $100, and who wouldn’t want a $1,200 cash gift each year? Stop going to Starbucks and spending money that you don’t have to impress people that you don’t like.

In my new book, I set out a strategy and a roadmap for people to get out of debt and show them how to pay off their credit cards. I also talk to people who are out of debt and who have their finances in order. I teach them about flying free and staying free. My family does this by using credit card points. If you have a business or organization, you can do what we do. We put all expenses on a credit card, pay off everything at the end of each month so we don’t lose any interest money, and then we use those points to travel. It really becomes an extension of your paycheck. I’m not against credit. I’m against credit that is not properly used.

Dr. Dave: That is the key. I always say that debt is just a monument to your impatience. It is proof you wanted something you have not earned yet. Just take your time.

I love the principle of the Starbucks savings. Years ago, I started saving every $5 bill. When I got a $5 bill, I would save it, and by doing that, I have put thousands away for my son’s college. It’s the simple steps.

In this book, do you have a lot of those simple ideas to help people?

David Crank: Yes, we have a lot of simple practices. I look at debt as the acronym, Doing Everything But Thinking. We buy things that make us feel good, even things that we don’t or can’t even use at the moment. This is not thinking clearly about the purchase.

Maybe you are reading this today and you think that you are so deeply in debt there is no help, and you are depressed. Listen, you didn’t get in debt overnight, and you won’t get out overnight. But you can solve your money problems by instituting some practical principles now that set you up for success later.

Credit, if used properly, can be very beneficial. When I was growing up my dad taught me several money principles that are critical to gaining wealth. He showed me how to reduce a 30 year mortgage to 15 years by simply paying an extra principle payment. And he always said, “Protect your credit at all cost.” I have always been careful with my credit, and in the crash of ’08, I was able to buy two buildings at a fraction of their cost, because I had good credit, and other people had no money. Many people needing to solve their money problems think, “I wish something like that would happen to me.” Let me tell you, to get to the big opportunities, you have to start with what you can do today. What will you do today to make yourself better?

Dr. Dave: In that down market, a lot of people became millionaires because they had solved their
money problems before the crisis occurred. Then, in the down market, they had the cash and credit to take advantage of opportunities.

David Crank: I believe that same crash is going to happen again, except on a larger scale. So I say start preparing right not—not out of fear, but in preparation for something big you want to have happen in your life. I believe if you start today, and say, “ I want to do what I can do with what I have”, then God will put his ‘super’ on your ‘natural’ and that’s what I share in this book, Solving Your Money Problems.

One other thing I see happening right now is that people will not release money to help you if you are making unwise choices. But when you start making these practical moves to solve your money problems, many times family members will help you move toward financial freedom.

Dr. Dave: Is there good debt and bad debt?

David Crank: Absolutely. Good debt is debt that generates income and has value. Borrowing can move you forward if it is done wisely.

More information on these principles and much more can be found at

I hope you enjoyed this episode! Please share it with friends and colleagues, or on social media. 

If you liked what you heard, I’d love it if you would leave a five-star review on iTunes here.