December 16, 2021 • 15 mins
Sahirenys is the content creator behind Poised's financial literacy and lifestyle blog. She is also the creator of the High-5 Banking Method that was featured in Forbes. Using the high 5 banking method, she paid off over $99,000 of debt within 5 Years.
She is another member of Bank Greenwood team; you may have seen her fun and informative tips on the bank Greenwood social media page, where she is answering all your Financial questions.
Sahirenys joins money moves to share her journey to financial freedom, the ups and downs of being from an immigrant household, a breakdown of her high 5 banking method, and how to pivot when financial hardships occur.
Host: @itstanyatime
Guest IG: @poisedfinancelifestyle
Guest Website: The Poised Lifestyle
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hey, money Movers, Welcome back to Money Moves, the daily
podcast determined to give you the keys to the Kingdom
of financial stability, wealth and abundance. You may have seen
her fun and informative tips on the bank for you
(00:21):
and his social media page where she's answering all of
your financial questions. Money Movers, Please welcome Syreense Pierce, Cyriennse.
It's so good to have you. Thank you so much
for having me. Well, Welcome, Welcome, Welcome to our podcast.
Money Moves is so excited to have you, and we've
been following you, many of us from our social media
(00:41):
page on Bank Greenwood, where you are constantly delivering some
fun and informative UM financial tips and literacy UM messages.
So we appreciate you so much. Thank you. So it's
you know, it's funny when I look at this, because
I love that we have two powerful, smart, intelligent women
really educating the Money Moves UM community. So we appreciate
(01:03):
that all you do. But I want to start off
by learning a little bit more about you and how
you UM developed your blog poise and how you got
to be where you are. We're gonna have to pull
back to go back into my story to really get
into the nitty greedy, and my story realistically started during
the oight recession. You know, we always tend to hear
(01:23):
people say that personal finances should be something that should
be taught at home. While I was learning about personal finances,
while I was losing my home, my dad was in
real estate. UM. They were immigrants for the Dominican Republic,
and they worked extremely hard to get the wealth that
they actually were able to build up, and to see
everything kind of been taken away from them slowly, the house,
(01:47):
the cars, my family's marriage. It really brought a lot
of insight to me of how important financial education is
and learning how to not just work hard, but how
to work smart with our money. Because working hard could
only take us so far. You have to be strategic.
You have to know what tools are on your side
so you can propel forward and actually maintain the assets.
(02:11):
Because it's one thing to buy a house. Anyone can
finance a house, but maintaining it and keeping it that's difficult.
It's the same thing with the marriage, is like exactly.
It's like with the marriage. Everyone kind of glorifies getting married,
but it's staying married that's the hard part, Oh my gosh. Absolutely,
(02:31):
And I think is conversations that you know, oftentimes like
girlfriends have, but you know, what I think is really
important is for us to have them within our family structure.
So like when you think about your parents and the
stuff that they pass on, for sure, like so much
about dominic Dominican culture, the food that this, But how
do we build and keep our wealth, how do we
keep our marriages intact? Like these are conversations that we
(02:53):
should have like inside our homes and inside our families
as well, and pass them on to our kids exactly.
And I honestly, I didn't get this wake up moment
until we finally lost our home. And I remember my
mom telling me that the sheriffs kicked her out and
she was in pajamas and she was crying, you know,
and she was like so embarrassing. He told her if
(03:15):
she went back into the house, he would arrest her.
So my sister and I we felt like literal criminals
going back into the house later that night because we
had nothing. We didn't have our homework, our schoolwork, our
uniforms for work, we didn't have a toothbrush. It was
like being kicked out into the streets with nothing, and
when I was leaving my home, I realized that I
(03:35):
needed to turn my fear into power. And I was
so financially fearful of everything, you know, being afraid of sharriffs,
being afraid of you know, the car is gonna get repossessed.
And that same week, I actually changed my major. I
was in a pharmacy major in college, and I realized
I was not passionate about that at all. I was
just in it for all of the wrong reasons. And
(03:57):
I switched my major into finance, and my university that
I transferred to actually started to have a new program
called financial planning, and I felt like that was the
AHA moment for me. I'm like, oh, my goodness, there's tools,
there's hope. We don't have to live in fear. We
can be you know, powerful and know how to take
these tools and learn how to modify them to help
(04:19):
us maintain our wealth and actually build our foundation that
can last that we can pass on like budgeting, paying
off debt, investing, And it just made me feel like, Wow,
this is so empowerful powerful. But the only downfall that
I realized was once I got into the industry. I
worked at Mary Lynch, Met Life and a Mary Prize.
(04:40):
There was no one that looked like us walking into
those doors to get financial help. There was no minorities,
no women, A lot of young people were not coming in,
and it was like, these are the people who need
this information the most. And you know, I think again,
like this is what we're trying to do with with
Bank Greenwood and money Moves and your platform as well.
We just need to like be like these pied pipers,
(05:02):
like spreading the world from the rooftops over and over
and over again. Because you know, this is something that
I think within our families and our communities and in particular,
like we don't talk about It's honestly one of those
things where I feel like it's like don't talk about money,
don't ask how much they make, don't ask what happened
to their house, and just you know, but especially as
you know, I'm a first generation I'm the you know,
(05:23):
I'm a first generation immigrant childs too. So like a
lot of it is you just have to come here
and hustle and make it happen. And so now it's
like we're this next generation who has so many more
tools at our disposal and I think that we just
need to make sure we educated so many people. So
with that said, um, I want to talk about Poised
(05:43):
and your blog, So tell me when you launch that
and sort of the goals. I launched it when I
was in working in the industry still I was. I
was not in the industry. I was transitioning out of
the industry. I wanted to start a family. I wanted
to start my own business. My husband want to start
his own business US, and we started our debt free journey,
and we wanted to get married debt free. We wanted
(06:05):
we had so many goals and ambitions that we wanted
to do. We wanted our marriages to be started off
on the right foot. You know, my parents were affected
by the OIT recession. His family were affected by the
OIT recession. Even though he's from Alabama and I'm from California,
both of our families were highly impacted. So we wanted
to start our marriage on the right foot. So I
started creating content, like little tweets and you know quotes
(06:27):
that really motivated me during my debt free journey, and
I realized, you know, there is a really a big
gap right now in the financial literacy in our community,
and everyone wants to get get rich quick schemes and
fix quick fixes, and I'm like, you, guys, this takes time.
And I realized that when I was working in the industry,
I would see people's portfolios of million dollar portfolios, and
(06:50):
I'm like, wow, I can't wait to get there. And
I was feeling kind of the pressure of getting my
finances correct now so that I can eventually enjoy that benefit.
But I can't enjoy it now. It takes time. So
I started putting out financial education about budgeting. I shared about,
you know, setting up an emergency fund. And it's interesting
because you talk about all these things, right, you learn
(07:11):
it and it sounds good, alright, that sounds nice, but
is it really practical. And I didn't realize how realistic
all this information was and how much it impacted my
life until I started hitting hard, difficult times in my life.
And that happened during my second pregnancy. I found out
at my son was born with the heart defect. He
(07:32):
has tetrology of flat flow, so he was gonna need
open heart surgery either right after birth or six to
twelve months later. And you know, as a mom, when
you're pregnant you are just drowning in emotions. You can't
even look looking at a budget. Come on, now, that's
the last thing that I want to do. I don't
want to look at budgets, bills. I don't care what's
(07:54):
going on in the media or on the news. Your
child and health, your life is yeah, that's and that's
the stuff that really matters in life is your children,
your family, your connections, your health, your you know, your
mental health, your physical health. And I know that I
realized a lot of people put that to the side
because all they want to focus on is financial health.
(08:15):
And you know, when I was in the hospital, I
met a lot of other families that they were sleeping
out of their car, they were taking donated food from
the Ronald McDonald's house. They were leaving the surgery to
go do uber so they can get money because they
lost their job. And the reality of so many people
in this country, you know, you talk about your family
(08:36):
and how just everything changed and pivoted, and you're like,
we were locked out of our house, we're essentially homeless,
or just how many people are taking second and third
jobs to make ends meet, and so, you know, really
being able to deliver tangible tips to people on how
to save today, how to plan for tomorrow, you know,
put off that extra trip maybe that you want to
(08:56):
take because you're stressed out for rainy day fund um.
I think there is just so important that people understand
the importance of these exactly. And one thing I started
realizing when we got home. I told my husband, I
was like, this was the first time in my life
that we were hit with so many emergencies from death
in the family, my health was being impacted, our son
(09:18):
having to go through surgery, all within a very short
amount of time. And I told my husband, we didn't
think about money. Not once you had to go to
a funeral, you went. We had to go pay for
our sons surgery. We paid for it. I needed to
go to doctor. I went to the doctor and that
was monumental to me. And I was like, this is
the whole point of financial literacy, This is the whole
(09:40):
point of personal finances is to benefit us when we
really need it, not for us to be focused on
the numbers, focused on the mental piece that we have
and the financial confidence that we had to know that
we can attack all of these situations with poise. And
that's one of the main reasons why I called my
company Poise, because you know, they're were balancing so much.
(10:00):
We're balancing real life finances, and it's about how you
approach it. And if you approach it with poise, you're
gonna feel a lot more confident, a lot more calm,
and you know you have resources behind you that are
supporting you. And that's when I was able to create
the High five Banking Method perfect. I was just gonna
ask you about that, sir, the High five Banking No.
I love that. I was like, oh, but what about
(10:21):
the High five Banking Method? Tell me about that. So
it's a simple way to organize your finances with purpose.
And again, when I went through these difficult moments, purpose
was the one thing that was I was really holding onto.
It's a simple way of organizing your finances so that
it can flow with your budget and your financial goals.
Is composed of five bank accounts, to checking accounts and
(10:44):
three savings accounts. The first checking account is going to
be for your bills, because hey, we all have bills.
I don't care who you are, we all got bills.
Things that we need are mandatory in our lives. We
have to prioritize those. The second checking account is going
to be for your lifestyle. We all have a life
of style, and it's okay to have one. We all
need different ways to destress, hobbies, things that just make
(11:05):
us happy, and just prioritizing that as well in our lives,
making sure that you know we're not losing ourselves during
the whole journey. And then when it goes to the
three savings accounts, the first one to be for your
emergency fund, because everyone needs an emergency fund, even if
you're a college student, you're married, single, my parents. Everyone
needs to make sure they have a safety net to
(11:26):
know that they can get through anything that happens through life.
The next one, okay, go for your next one. No, sorry,
it's okay. Um. The next one is going to be
your long term goals. You know, in financial planning, people
kind of don't realize that. When you first get in there,
the person the guys start asking you is what what
do you go What are your goals? What are your
long term goals? What are your short term goals? Kind
(11:47):
of like Kevin Hart in that one movie, but you know,
you have to really start thinking about what am I
trying to achieve in the next five years. Do I
want to plan for a wedding? Do you want to
buy a house? Do I want to you know, save
up to it, prepared for a baby? Um? I know
we used this for our wedding. We were planning for
our wedding while paying off debt, and we it was
still a priority for us, so we needed to make
(12:08):
sure that we were saving for that and paying for
that as as time went on. And the last one,
last but not least, is gonna be your short term
goals account, which is pretty much like a sinking fun
is for anything that you want to say, for in
the next twelve months. This could be like Christmas, birthdays, anniversaries, UM, holidays,
short getaway trips that you want to do, you know,
(12:29):
or boring stuff like car registration. I know my car
registration is right after Chris SMAs, and I'm like, why,
why is this happening to be and you just forget
about that, you know. So it's a good foundation to
start upon. And I know that not everyone is ready
to open up all five bank accounts at the same time,
but it's really important to at least have the first
(12:51):
three because I believe everyone even college, students, single parents.
Everyone has these three to need, these three accounts and
the other two youth and building Day fund. Yes, so
how do I decide how much money should go in
my rainy day fund? Realistically, your emergency fund should be
equal to your bills, So however much your bills are,
(13:13):
that's how much should be in your emergency minimum. You
want to build upon that. I know, it's very difficult
because in the finance space, you know, they tell you
need three to six months of emergency fund and for
people like us, like that sounds very overwhelming. One thing
that I had to do it to modify this was
that I saved one month of my bills every single
year until I got up to three to six months,
(13:36):
and it just felt a lot more realistic for me
to approach and not feel overwhelmed or feel bad that,
you know, gosh, I don't have my emergency funds, so
I can't you know, visit my grandmother who's ill. I
can't pay off debt, I can't do anything. And you
don't want to feel that way. You want to give
yourself a little bit of wiggle room so that your
finances aren't so concrete, so you can you know, modify
(13:57):
and pivot as life realistically goes on. Wow, I really
love that and you know this information. Thank you so much.
Can you remind everyone where they can find you on
social media? Of course you can find me on Instagram,
Poise Finance Lifestyle, on YouTube Poise Finance Lifestyle, and my
blog The Poise Lifestyle. And of course I am doing
segment with Greenwood Ask Me Anything about money? All right,
(14:20):
Money Movers. That's all the time we have for today.
But make sure to follow Cyrenees on all of her
social media handles and thank you for being part of
our Ask Me Anything segment. Thanks again, Thank you. Make
sure you tune into Money Moves Monday through Friday and
subscribe to the Money Moves podcast powered by green One,
so that you too can have the keys to the
financial freedom you so rightly deserve. Thank you so much
(14:43):
for tuning in Money Moves audience. If you want more
or a recap of this episode, please go to the
bank Greenwood dot com and check out the Money Moves
podcast blog. Money Moves is an I Heart radio podcast
powered by Greenwood Executive produced by Sunwise Media, Inc. For
more podcasts on I Heart Radio, visit the i heart Radio, app,
(15:06):
Apple Podcasts, or wherever you get your podcasts from.
Hey, money Movers, Welcome back to Money Moves, the daily
podcast determined to give you the keys to the Kingdom
of financial stability, wealth and abundance. You may have seen
her fun and informative tips on the bank for you
(00:21):
and his social media page where she's answering all of
your financial questions. Money Movers, Please welcome Syreense Pierce, Cyriennse.
It's so good to have you. Thank you so much
for having me. Well, Welcome, Welcome, Welcome to our podcast.
Money Moves is so excited to have you, and we've
been following you, many of us from our social media
(00:41):
page on Bank Greenwood, where you are constantly delivering some
fun and informative UM financial tips and literacy UM messages.
So we appreciate you so much. Thank you. So it's
you know, it's funny when I look at this, because
I love that we have two powerful, smart, intelligent women
really educating the Money Moves UM community. So we appreciate
(01:03):
that all you do. But I want to start off
by learning a little bit more about you and how
you UM developed your blog poise and how you got
to be where you are. We're gonna have to pull
back to go back into my story to really get
into the nitty greedy, and my story realistically started during
the oight recession. You know, we always tend to hear
(01:23):
people say that personal finances should be something that should
be taught at home. While I was learning about personal finances,
while I was losing my home, my dad was in
real estate. UM. They were immigrants for the Dominican Republic,
and they worked extremely hard to get the wealth that
they actually were able to build up, and to see
everything kind of been taken away from them slowly, the house,
(01:47):
the cars, my family's marriage. It really brought a lot
of insight to me of how important financial education is
and learning how to not just work hard, but how
to work smart with our money. Because working hard could
only take us so far. You have to be strategic.
You have to know what tools are on your side
so you can propel forward and actually maintain the assets.
(02:11):
Because it's one thing to buy a house. Anyone can
finance a house, but maintaining it and keeping it that's difficult.
It's the same thing with the marriage, is like exactly.
It's like with the marriage. Everyone kind of glorifies getting married,
but it's staying married that's the hard part, Oh my gosh. Absolutely,
(02:31):
And I think is conversations that you know, oftentimes like
girlfriends have, but you know, what I think is really
important is for us to have them within our family structure.
So like when you think about your parents and the
stuff that they pass on, for sure, like so much
about dominic Dominican culture, the food that this, But how
do we build and keep our wealth, how do we
keep our marriages intact? Like these are conversations that we
(02:53):
should have like inside our homes and inside our families
as well, and pass them on to our kids exactly.
And I honestly, I didn't get this wake up moment
until we finally lost our home. And I remember my
mom telling me that the sheriffs kicked her out and
she was in pajamas and she was crying, you know,
and she was like so embarrassing. He told her if
(03:15):
she went back into the house, he would arrest her.
So my sister and I we felt like literal criminals
going back into the house later that night because we
had nothing. We didn't have our homework, our schoolwork, our
uniforms for work, we didn't have a toothbrush. It was
like being kicked out into the streets with nothing, and
when I was leaving my home, I realized that I
(03:35):
needed to turn my fear into power. And I was
so financially fearful of everything, you know, being afraid of sharriffs,
being afraid of you know, the car is gonna get repossessed.
And that same week, I actually changed my major. I
was in a pharmacy major in college, and I realized
I was not passionate about that at all. I was
just in it for all of the wrong reasons. And
(03:57):
I switched my major into finance, and my university that
I transferred to actually started to have a new program
called financial planning, and I felt like that was the
AHA moment for me. I'm like, oh, my goodness, there's tools,
there's hope. We don't have to live in fear. We
can be you know, powerful and know how to take
these tools and learn how to modify them to help
(04:19):
us maintain our wealth and actually build our foundation that
can last that we can pass on like budgeting, paying
off debt, investing, And it just made me feel like, Wow,
this is so empowerful powerful. But the only downfall that
I realized was once I got into the industry. I
worked at Mary Lynch, Met Life and a Mary Prize.
(04:40):
There was no one that looked like us walking into
those doors to get financial help. There was no minorities,
no women, A lot of young people were not coming in,
and it was like, these are the people who need
this information the most. And you know, I think again,
like this is what we're trying to do with with
Bank Greenwood and money Moves and your platform as well.
We just need to like be like these pied pipers,
(05:02):
like spreading the world from the rooftops over and over
and over again. Because you know, this is something that
I think within our families and our communities and in particular,
like we don't talk about It's honestly one of those
things where I feel like it's like don't talk about money,
don't ask how much they make, don't ask what happened
to their house, and just you know, but especially as
you know, I'm a first generation I'm the you know,
(05:23):
I'm a first generation immigrant childs too. So like a
lot of it is you just have to come here
and hustle and make it happen. And so now it's
like we're this next generation who has so many more
tools at our disposal and I think that we just
need to make sure we educated so many people. So
with that said, um, I want to talk about Poised
(05:43):
and your blog, So tell me when you launch that
and sort of the goals. I launched it when I
was in working in the industry still I was. I
was not in the industry. I was transitioning out of
the industry. I wanted to start a family. I wanted
to start my own business. My husband want to start
his own business US, and we started our debt free journey,
and we wanted to get married debt free. We wanted
(06:05):
we had so many goals and ambitions that we wanted
to do. We wanted our marriages to be started off
on the right foot. You know, my parents were affected
by the OIT recession. His family were affected by the
OIT recession. Even though he's from Alabama and I'm from California,
both of our families were highly impacted. So we wanted
to start our marriage on the right foot. So I
started creating content, like little tweets and you know quotes
(06:27):
that really motivated me during my debt free journey, and
I realized, you know, there is a really a big
gap right now in the financial literacy in our community,
and everyone wants to get get rich quick schemes and
fix quick fixes, and I'm like, you, guys, this takes time.
And I realized that when I was working in the industry,
I would see people's portfolios of million dollar portfolios, and
(06:50):
I'm like, wow, I can't wait to get there. And
I was feeling kind of the pressure of getting my
finances correct now so that I can eventually enjoy that benefit.
But I can't enjoy it now. It takes time. So
I started putting out financial education about budgeting. I shared about,
you know, setting up an emergency fund. And it's interesting
because you talk about all these things, right, you learn
(07:11):
it and it sounds good, alright, that sounds nice, but
is it really practical. And I didn't realize how realistic
all this information was and how much it impacted my
life until I started hitting hard, difficult times in my life.
And that happened during my second pregnancy. I found out
at my son was born with the heart defect. He
(07:32):
has tetrology of flat flow, so he was gonna need
open heart surgery either right after birth or six to
twelve months later. And you know, as a mom, when
you're pregnant you are just drowning in emotions. You can't
even look looking at a budget. Come on, now, that's
the last thing that I want to do. I don't
want to look at budgets, bills. I don't care what's
(07:54):
going on in the media or on the news. Your
child and health, your life is yeah, that's and that's
the stuff that really matters in life is your children,
your family, your connections, your health, your you know, your
mental health, your physical health. And I know that I
realized a lot of people put that to the side
because all they want to focus on is financial health.
(08:15):
And you know, when I was in the hospital, I
met a lot of other families that they were sleeping
out of their car, they were taking donated food from
the Ronald McDonald's house. They were leaving the surgery to
go do uber so they can get money because they
lost their job. And the reality of so many people
in this country, you know, you talk about your family
(08:36):
and how just everything changed and pivoted, and you're like,
we were locked out of our house, we're essentially homeless,
or just how many people are taking second and third
jobs to make ends meet, and so, you know, really
being able to deliver tangible tips to people on how
to save today, how to plan for tomorrow, you know,
put off that extra trip maybe that you want to
(08:56):
take because you're stressed out for rainy day fund um.
I think there is just so important that people understand
the importance of these exactly. And one thing I started
realizing when we got home. I told my husband, I
was like, this was the first time in my life
that we were hit with so many emergencies from death
in the family, my health was being impacted, our son
(09:18):
having to go through surgery, all within a very short
amount of time. And I told my husband, we didn't
think about money. Not once you had to go to
a funeral, you went. We had to go pay for
our sons surgery. We paid for it. I needed to
go to doctor. I went to the doctor and that
was monumental to me. And I was like, this is
the whole point of financial literacy, This is the whole
(09:40):
point of personal finances is to benefit us when we
really need it, not for us to be focused on
the numbers, focused on the mental piece that we have
and the financial confidence that we had to know that
we can attack all of these situations with poise. And
that's one of the main reasons why I called my
company Poise, because you know, they're were balancing so much.
(10:00):
We're balancing real life finances, and it's about how you
approach it. And if you approach it with poise, you're
gonna feel a lot more confident, a lot more calm,
and you know you have resources behind you that are
supporting you. And that's when I was able to create
the High five Banking Method perfect. I was just gonna
ask you about that, sir, the High five Banking No.
I love that. I was like, oh, but what about
(10:21):
the High five Banking Method? Tell me about that. So
it's a simple way to organize your finances with purpose.
And again, when I went through these difficult moments, purpose
was the one thing that was I was really holding onto.
It's a simple way of organizing your finances so that
it can flow with your budget and your financial goals.
Is composed of five bank accounts, to checking accounts and
(10:44):
three savings accounts. The first checking account is going to
be for your bills, because hey, we all have bills.
I don't care who you are, we all got bills.
Things that we need are mandatory in our lives. We
have to prioritize those. The second checking account is going
to be for your lifestyle. We all have a life
of style, and it's okay to have one. We all
need different ways to destress, hobbies, things that just make
(11:05):
us happy, and just prioritizing that as well in our lives,
making sure that you know we're not losing ourselves during
the whole journey. And then when it goes to the
three savings accounts, the first one to be for your
emergency fund, because everyone needs an emergency fund, even if
you're a college student, you're married, single, my parents. Everyone
needs to make sure they have a safety net to
(11:26):
know that they can get through anything that happens through life.
The next one, okay, go for your next one. No, sorry,
it's okay. Um. The next one is going to be
your long term goals. You know, in financial planning, people
kind of don't realize that. When you first get in there,
the person the guys start asking you is what what
do you go What are your goals? What are your
long term goals? What are your short term goals? Kind
(11:47):
of like Kevin Hart in that one movie, but you know,
you have to really start thinking about what am I
trying to achieve in the next five years. Do I
want to plan for a wedding? Do you want to
buy a house? Do I want to you know, save
up to it, prepared for a baby? Um? I know
we used this for our wedding. We were planning for
our wedding while paying off debt, and we it was
still a priority for us, so we needed to make
(12:08):
sure that we were saving for that and paying for
that as as time went on. And the last one,
last but not least, is gonna be your short term
goals account, which is pretty much like a sinking fun
is for anything that you want to say, for in
the next twelve months. This could be like Christmas, birthdays, anniversaries, UM, holidays,
short getaway trips that you want to do, you know,
(12:29):
or boring stuff like car registration. I know my car
registration is right after Chris SMAs, and I'm like, why,
why is this happening to be and you just forget
about that, you know. So it's a good foundation to
start upon. And I know that not everyone is ready
to open up all five bank accounts at the same time,
but it's really important to at least have the first
(12:51):
three because I believe everyone even college, students, single parents.
Everyone has these three to need, these three accounts and
the other two youth and building Day fund. Yes, so
how do I decide how much money should go in
my rainy day fund? Realistically, your emergency fund should be
equal to your bills, So however much your bills are,
(13:13):
that's how much should be in your emergency minimum. You
want to build upon that. I know, it's very difficult
because in the finance space, you know, they tell you
need three to six months of emergency fund and for
people like us, like that sounds very overwhelming. One thing
that I had to do it to modify this was
that I saved one month of my bills every single
year until I got up to three to six months,
(13:36):
and it just felt a lot more realistic for me
to approach and not feel overwhelmed or feel bad that,
you know, gosh, I don't have my emergency funds, so
I can't you know, visit my grandmother who's ill. I
can't pay off debt, I can't do anything. And you
don't want to feel that way. You want to give
yourself a little bit of wiggle room so that your
finances aren't so concrete, so you can you know, modify
(13:57):
and pivot as life realistically goes on. Wow, I really
love that and you know this information. Thank you so much.
Can you remind everyone where they can find you on
social media? Of course you can find me on Instagram,
Poise Finance Lifestyle, on YouTube Poise Finance Lifestyle, and my
blog The Poise Lifestyle. And of course I am doing
segment with Greenwood Ask Me Anything about money? All right,
(14:20):
Money Movers. That's all the time we have for today.
But make sure to follow Cyrenees on all of her
social media handles and thank you for being part of
our Ask Me Anything segment. Thanks again, Thank you. Make
sure you tune into Money Moves Monday through Friday and
subscribe to the Money Moves podcast powered by green One,
so that you too can have the keys to the
financial freedom you so rightly deserve. Thank you so much
(14:43):
for tuning in Money Moves audience. If you want more
or a recap of this episode, please go to the
bank Greenwood dot com and check out the Money Moves
podcast blog. Money Moves is an I Heart radio podcast
powered by Greenwood Executive produced by Sunwise Media, Inc. For
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(15:06):
Apple Podcasts, or wherever you get your podcasts from.
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