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What's Missing From You Having A Bettr Life (2) – Paul D. Lowe and Kristin Johnson & Marc 'Spanky' Reid

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On this episode of the World Game-Changers podcast, Paul is joined once more by Kristin Johnson and Marc ‘Spanky’ Reid to further discuss the ‘what’ and the ‘how’ of BETTR networks, and how they can help people achieve their goals for a better world and a better life.


  • During Covid the government had a choice: Either put restrictions in place and have tens of millions of people filing for unemployment overnight – what would that have done to the economy and our country? – or create employee retention credit to reward businesses for digging in their pockets to keep their employees. So, in the beginning they had ERC and PPP loans and you could only apply for one as a business owner, and just about everybody went PPP. In 2021 the law was changed in ERC to allow them to apply for both as long as the PPP was forgiven. We don’t charge people to find out f they can claim that money back, but we had a client recently who was told he couldn’t apply for it and we got him $13.5million through ERC. You have the option to file to see if your eligible, or let the government have those funds.
  • You feel like you’re the hero of your community, you give back to your community $25-100million through this programme, no matter where you go, you’re going to be looked at as a hero because you’ve drastically impacted those lives, your employees and businesses. It’s a beautiful thing to be able to offer that service to people.
  • What happens when you have a family that’s paying $1000 and you can save them 40%? They have an extra $400 a month that they can allocate towards other things for that family. It’s a big deal what Clearwater is doing.


‘We can start to build you a legacy for your family, for employee’s families, and we can show you what that looks like financially.’
‘About 78% of people in the US are living pay cheque to pay cheque, 85% of them don’t like the job they currently have. If you can help a family open up $400-500 it relieves so much stress.’
‘I have a fear of needles, it’s definitely easier for me to spend 5-10 minutes with Clearwater to check my coverage and see if they can get me better coverage than it is to go and get my blood drawn!’


  • Speaking From Our Hearts Books: Volumes 1-3 (Available on Amazon)


Kristin Johnson is a prize-winning/ prize-finalist writer, blogger, ghost-writing/ creative writing consultant, screenwriter, and editor.

A graduate of the former Master of Professional Writing Program from the University of Southern California, she has published/ collaborated on seven books.

Her current book AIN’T “U” GOT NO MANNERS has been called ‘the Bible for social media’.

She is a member of the Desert Screenwriters Guild, Society of Children’s Books and Illustrators, and Palm Springs Women in Film and Television.

Marc ‘Spanky’ Reid: “It has been and will always be a BURNING desire for me to help everyone WIN! I want individuals and businesses of all sizes to WIN and WIN BIG!

“I was in restoration for 30+ years and was introduced to this group of people who had this really great platform and over the course of several weeks I started hearing how much money they had coming in. I started asking questions and heard that people could get involved if they wanted to, I didn’t have to pay any sort of investment or fee and that changed my entire life trajectory. I gifted my 20 year business and now I’m helping people make huge money. I’m seeing people make hundreds of thousands and millions of dollars by helping thousands of people.”


Paul has made a remarkable transformation from existing for many years in dark, desperate despair; to now living a really healthy, happy and fulfilling life.

From an early age, he was in the vice-like clutches of the demon drink and constantly embroiled within a dark cocktail of toxic beliefs, self-hate and destructive violence.

Along with his empathetic and dedicated team of world-class coaches and mentors, Paul’s purpose is deeply transformational:

Developing World Game-Changers…

He is extremely passionate about helping others to find their purpose, have a voice and ultimately, make a real difference. 

This has been built on a long and distinguished history of heart-centred coaching and mentoring.  He has also been responsible for raising significant amounts of funds for many charities and good causes around the world; positively impacting and inspiring thousands of children – mainly from challenging backgrounds – within the UK & worldwide.

Through this World Game-Changers podcast and books, he has been involved in – including being a best-selling co-author – Paul also helps others to get their own inspirational messages and stories out into the world; as well as offering support to many charitable organisations, in their development & fund-raising.


Tel: +44 (0) 7958 042 155







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