#320 - Rachael Bronstein - Navigating Finances in the Music Industry

Rachael Bronstein is the founder of Life’s Jam, a financial coaching practice focused on supporting the live music industry's behind-the-scenes pros. With 20+ years in finance and operations and a deep love for touring life she helps crews, freelancers, and festivals create money systems that reduce stress and build confidence. Rachael works with MusiCares, ECCHO Live, and HerMoney, and brings financial coaching directly to the road. She’s an Accredited Financial Counselor (AFC®) based in Miami, passionate about helping people align their money with what matters most.

In this conversation, Rachel, discusses the importance of financial coaching for professionals in the music industry. She shares insights on the unique financial challenges faced by touring individuals, including debt management, spending habits, and the need for financial education. Rachel emphasizes the significance of tracking expenses and creating a financial plan to build stability and reduce stress. Through her work, she aims to empower individuals to take control of their finances and make informed decisions, ultimately fostering a supportive community within the industry.

This Episode is brought to you by Lightswitch

Episode Transcript

(00:00):
I really wanted to help everyonebehind the artist, figuring that
the artist had a business manager and everybody else has
to kind of wing it. And so I kept hearing that
people were asking friends of friends for help and everybody
was kind of recreating the wheel, you know?
And so why, why make it harder? The industry is already kind of
hard. And so I wanted to provide some

(00:22):
guidance so they could have somemore stability and they could
felt cared for. I went to some tour rehearsals
last year where someone said like that my work just brought a
light to their rehearsals. And so they had never felt so
provided for. And so that was super amazing
that like these people that deserve a voice and deserve

(00:45):
someone on their side kind of got some help there.
La La La La ladies the lady Now here's the leading ladies by
Geezers of gear on tour. Maybe she got some stories to

(01:11):
share. Now here's the leading ladies by
the geezers of gear Rock star ladies with some stories to
share because La La, La La la. Hello and welcome to Leading

(01:42):
Ladies with me, Sarah Burnie. Today's guest is Rachel
Bronstein. She's the founder of Life's Jam,
a financial coaching practice focused on supporting the live
music industries behind the scenes pros.
With 20 years plus in finance and operations and a deep love

(02:04):
for touring life, she helps crews, freelancers and festivals
create money systems that reduces stress and builds
confidence. Rachel works with Music Cares,
Echo Live and her money and brings financial coaching
directly to the road. She's an accredited financial

(02:29):
counsellor based in Miami, passionate about helping people
align their money with what matters most.
This conversation is fantastic. Rachel really goes into depth on
how she can help people. What she's doing now, her
website is www.lifesjam.com. That's Li fes dot COM and in the

(02:59):
little captions below, I will also Add all of her details on
Instagram and for Facebook as well.
When you can reach out to [e-mail].
I really hope you enjoy this episode with Rachel Bronstein.

(03:20):
Hello Rachel, welcome to LeadingLadies Podcast.
Thank you for having me Sarah. I'm so looking forward to our
conversation. I know.
So we, we just had this little brief conversation just saying
that we tried to do this about amonth ago and my Internet was
just, well, it was dire. Like I live in Greece and it

(03:41):
sometimes can be a little bit bad, but we really struggled,
didn't we? We like I was freezing.
It was cutting out midway and I think we tried for about it was
about 20 minutes and we thought maybe it was your Internet
because she was in a hotel at the time.
But anyway I've. Upgraded.
We're here. We're here, but please, I know
you just mentioned to me, but where are you now?

(04:03):
I'm in Massachusetts. I've done kind of a summer road
trip up north to see the tours that I'm working with and do
financial coaching on site at the Newport Jazz and Folk
Festivals. So I'm between those two
festivals right now and I'll head back to Newport on
Thursday. That's incredible.
So for everyone that doesn't know you, what, what do you,
what service do you provide? Like what, what, what do you do?

(04:25):
Tell us what you do. Sure.
So I am a financial coach. I had never actually heard of
financial coaching before I got started.
My mom was a teacher turned financial planner and I kind of
saw her recreate herself. We unfortunately lost my dad to
cancer when I was young and she was supporting a family.
I have a special needs sister and I thought about going into

(04:47):
financial planning with her. I had even started getting
certified. I got a degree in finance but I
took a turn and went into production finance at NBC after
college. Kind of spent a lot of time with
production folks and really had an appreciation for what goes
into putting a show on and kind of Fast forward.
Got married, had kids, a move toFlorida kind of got me doing

(05:11):
some other things and raising a family.
And unfortunately, my mom passedand I had to sell her business.
And during COVID, I had seen themusic industry shut down.
And for fun, I had volunteered at music festivals down in South
Florida for years. And I sort of called up my
contacts and asked if there was a problem I could solve.
And it seemed like a lot of people needed some help with

(05:32):
financial literacy support, kindof how to take action on the
things that they may know or notknow.
So I started investigating kind of how I could help.
And I connected with a woman whohad been on NBC.
Her name was Jane Chatzky, and she was the financial editor on
the Today Show for 25 years. And I loved how she talked about

(05:54):
money and she was looking for coaches and we kind of had some
nice conversations and she was telling me about financial
coaching. And so during COVID, I went and
became an accredited financial counsellor and started coaching
for Jean and kind of helped growher business, which was doing
financial coaching for women. And I told her at the same time

(06:15):
I was growing my music business because I had kind of hung up a
shingle and tried to see if I could help.
Some roadies kind of paired off right away with the Roadie
Clinic who is super generous in connecting me with some folks
that I could help as I got started and kind of taken off
from there. And so last June I went full
time into Life's Jam and I've been working with tours.

(06:37):
I write an article for PLS and Magazine I.
I also started the Music Cares Financial coaching program last
year where people in need can get help so they can get 6
sessions with a financial coach,myself and others included now.
So I'm just like, really proud Iwasn't.
Quite sure like it. We're obviously with the
financial coaching like it, it is for roadies, it's for, you

(07:00):
know, it's not necessarily for like the, you know, the
accountants that are working that need help within the
production. It's for us, it's for, it's for
the. People that work, I really
wanted to help everyone behind the artist, figuring that the
artist had a business manager and everybody else has to kind
of wing it. And so I kept hearing that
people were asking friends of friends for help and everybody

(07:22):
was kind of recreating the wheel, you know?
And so why, why make it harder? The industry is already kind of
hard. And so I wanted to provide some
guidance so they could have somemore stability and they could
felt cared for. I went to some tour rehearsals
last year where someone said like that my work just brought a

(07:43):
light to their rehearsals. And so they had never felt so
provided for. And so that was super amazing
that like these people that deserve a voice and deserve
someone on their side kind of got some help there.
And there's of course other organizations doing different
kinds of Wellness types of things also.
But I mean, I think the financial side of things, I

(08:04):
mean, it was Cara Kemp from Echolife.
She's the lady that connected us.
Cara's wonderful, amazing. He was like, you know, you'd be
amazing on on on the show. Now just to explain it.
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(08:25):
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(08:45):
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And at the time you was going tobe basically a financial coach
on one of the tours that I've just done as well.

(09:06):
And unfortunately we were either, I kind of missed it, but
I, I saw the e-mail, but I was either too late.
But then the timings were wrong for us because like in the
catering world, it was just too.Yeah, it's always the hours are
different, you know, when you have a session.
It was just, it was just too different.
But I really wanted to know, like, when people are on tour,

(09:29):
did you get a lot of people thatcame to the online sessions?
I know you had been in the rehearsals as well.
Yeah. When people are on tour, like,
do they find time to come on to the sessions?
That's my. Yeah, still rehearsals is super.
It can vary by tour. The ones that I've worked at
rehearsals are people are makingthe time.

(09:50):
So I have AQR code, they can sign up for 1/2 an hour session.
I start early, I end late. I work around everyone's
schedules. So you know, everybody's kind of
busy as it at a different time. Sometimes I would just have
conversations and catering during a meal, but really it was
like a revolving door. So like the next person was at
my door waiting for their turn. So they were able to find that

(10:11):
that little bit of time and after rehearsals, this tour
subsidized individual coaching. So if an individual, they would
book usually time with me on their day off.
So we would do a one hour session, they would do some prep
work. And so we could really hit the
ground running in that kind of intensive session.
And then I've been going on siteto some of the shows.

(10:34):
And so if it's a 2 day show, they've already loaded in.
So like the second day has more free time and opportunity to
meet. And then I've been doing these
monthly coaching calls on days off.
So those are group calls and anyone can call in.
It can be a check in, it can be an update they want to give me,
it can be a question. And that's been going really

(10:54):
well as well. That's really great because like
you said, like nobody else has that support.
And I suppose when people meet you at the rehearsals in person,
they can see you, they can connect with you, which is, you
know, rather than like, you know, like, like we received an
e-mail, you know, like what, what's that?
And then it just got, you know, it got forgotten about.

(11:16):
That's the truth, because we were busy, just got forgotten
about because we would also jointhe tour like later than
everybody else. You weren't like at the
rehearsals and blah, blah, blah.So that was like for me, I after
I'd done my little bit of research about you, I was like,
oh man, now I kind of get it. So when you're like at the

(11:36):
rehearsals, obviously people come, what, what are the
questions people are asking you?What, what what are you helping
with? Are you like, yeah, what exactly
are you? Helping and I wish it was like a
perfect little neat box like so that, but it's not.
There's like so many different things people want to talk
about. Some common themes might be

(11:58):
credit card balances and how to pay back debt, how to deal with
taxes, you know, if you're how, how you're getting paid.
So if you're getting paid as a contractor, getting paid as an
employee. But one of the things I created
for this tour was I took all of the tour dates because if
somebody was on retainer, it wasa different rate than if they

(12:19):
were. It was a show pay.
So I created a calendar for the year with the tour dates and
kind of pre populated two options for rates so that when I
shared it with them, they could just key in their two different
rates and it would kind of generate potential income that
they would be receiving. Because I think a lot of times
we don't really know. And so I want to kind of get our

(12:43):
hands around let's control the parts that we can control.
And so like let's pull in the information that we can gather.
Even if it's not 100% there, if it gets us 80% of the year, it's
still information and it helps us.
Yes, yeah, completely. I mean, that's the generally the
first thing if if I get asked, Imean, look, I, I don't tour
anymore. I I did, I've been on tour maybe

(13:05):
once a year I'll go on tour because obviously I have this
job and it's really hard. Like it was really hard trying
to do both, like being on tour, doing this, doing geese of gear,
doing everything. It was like on my days off I was
doing this. So there was no kind of, yeah, I
struggled on like in that way. Marcel was amazing.

(13:25):
He was like, Sarah, don't worry about anything.
Like, you know, but it's me. I have to, I have to really try
and get everything done. But that was the first thing I
did, you know, when I got asked about this tour, I looked at all
the dates, all the days off planned.
But then I'm a planner. So I'm a planner to do
everything. And on the financial side, I was
like, OK, that's roughly what I'm going to be getting, you

(13:48):
know, and again with me with theexchange rate, you know, it's, I
never know what I'm going to be getting, but roughly it's going
to be this. And I was like, OK, we've got
daily expenses, our PDS, that's how much I can spend.
So I'm very much that kind of person that, OK, that is all I
can spend. And if I spend too much on that
day, then I won't be spending that on that day, you know,

(14:10):
Like, yeah. No, that's good.
Those are the checks and balances.
We kind of want to build that mindset.
So I never want to judge anyone on how they spend their money.
I want to give them the tools sothat they can make that decision
and so that they realize if they're choosing to purchase A,
they're kind of saying no to B, right?
So money is a limited resource for everybody, no matter if you

(14:33):
make a lot of it or you make a little of it.
And so it's how you use that resource.
And so I'm just trying to bring awareness.
Also, when you're on tour, you may be compensated well.
So that check is hitting your checking account and you feel
relief, right? So for that period of time,
maybe you feel like you can be alittle bit looser, let you know,

(14:54):
not really pay as attention as much or you're exhausted and you
have no time to pay attention. So you're kind of just you're
going with it and then you know,when the winter starts or maybe
you don't have shows for two months or whatnot that that
feast and famine kind of sets in.
Maybe not extreme, but maybe it does.

(15:15):
And so my goal is to kind of build that stability and figure
out, well, what does life cost you every month?
And let's back the income in. Let's just figure out what you
need first. Yep.
And I suppose, you know, I mean,look, I, I have been in depth
years like years ago, I have been in depth and it was one
thing. It was the the stress it puts on

(15:38):
myself. I never ever I managed to get
myself out of it. I was proud of that, but I never
wanted to be in that position again because like for me, you
do have to pay it back. You know, you might think you
didn't or you pay the interest or you pay something.
But that mentally for me at this, that moment, I mean, it's
good 20 years ago now, but the stress it put on and me, I

(16:03):
thought of everybody through COVID, I was very lucky.
I didn't have a lot of money. Like I really didn't have a lot
of money at at this point, but Iwasn't in debt.
And that is the only thing that I was like, thank goodness,
Like, but then I also when I came out of COVID, I was in debt
again because there was no way, OK.
I borrowed from like my mom. You can't really say it's debt,

(16:25):
but you still owe money, you know?
I still put it on our sheet, even if it's zero percent, if
you borrow from a family or friend, it still goes on our
kind of like organizational sheet, yeah.
And I and I pay it back, you know, it's not like, you know, I
didn't. So, you know, that to me is just
that she didn't charge me interest, you know?
But right. But at the same time, you know,

(16:47):
that pressure, that everything. And I said I didn't.
I haven't worked since COVID, like in the touring industry on
tour. So we know it's good money.
But you're right, it's very easyto spend that money.
You know, it's very easy to be on tour and, you know, you want
to do something or even paint a round of drinks.

(17:08):
I mean, in a hotel. We get put up in great hotels
and you buy these rounds and youget taken away.
Like, oh, yeah, I've got the money, you've got this.
But maybe, maybe we don't actually have the money, you
know? Right.
Well, you have the money in the moment, probably in a lot of
cases, but what you haven't thought about possibly is like
what you needed those funds for in the future.

(17:28):
So we get a dopamine hit when wespend, and we don't get that
same feeling when we save. So when we delay our
gratification, it's like just not as exciting for most people.
Now, some people love looking attheir savings account, but for
the most part, spending brings us joy.
It can. And so first of all, I have a

(17:49):
little saying. It's not my saying, but I use
it. It's called halt.
So don't make a purchase when you're hungry, angry, lonely, or
tired, which is probably a lot of touring.
So I like to kind of help peoplebuild in a pause.
Maybe it's taking your credit cards off of online so that you

(18:10):
would have to physically get up and go get your credit card if
you want to buy something. Marketers are smart these days.
So if we're looking and we don'tbuy like it's showing up in our
Instagram feed, it's coming in an e-mail, like they're kind of
relentless that they're kind of they're pushing our buttons.
And if we're feeling any of those feelings, we're having

(18:32):
all, you know, having a hard time or we're missing family or
we're not feeling included or we're exhausted.
And you know, like there's so much and and it could lead us to
spend to get us to feel a littlebetter in the moment.
So I really like to talk to people before they've kind of
hit the road on those big tours so we can make a plan.

(18:53):
Tell me about all the things that are coming up that you want
to do. You want to go on a vacation
with a loved 1. You want to have time for the
holidays and fun set aside. So January you're not going into
debt. You've already kind of saved the
pile of money that you need for holiday time.
So kind of all that forward thinking that we don't always
have a lot of time or we might not have somebody that helps us

(19:14):
kind of get there. Yeah, and I don't think we
really ever had had this, yeah, this training, this, this, this
guidance, you know, even at school, you know, for what we
don't get this proper guidance on how to manage our money.
And, and the same thing I've been terrible like previous

(19:34):
years in spending the money. Then also on the tax bill comes
in, I'm like, oh, I underestimated that, you know,
hey. And that's, you know, I think
for most tourists, that's, that's a big thing.
I know a lot of people that knowexactly what they have in their
bank account to the penny. I don't, I just see a number of
it's roughly how it should be. That's that's good for me, which

(19:55):
is probably terrible. Well, I was going to coach you
and say that it's actually not about what's sitting in your
checking account. That's the thing.
It's have you taken the time like so yes and no.
So like if you move in, let's say you need $5000 a month and
you move in $5000 at the top of the month and you pay all your

(20:16):
expenses, that's great. But if you're only paying your
fixed and recurring expenses. And and your credit card, so
like your day-to-day spending, you're not taking into account
that non monthly random stuff. So either we need to be setting
aside a bulk amount every month that goes straight into savings.

(20:36):
So when the car breaks down, youwant to take a trip, you need,
you have an emergency, you have that money.
Or we can even be more intentional and set some of
those goals and savings buckets up ahead of time.
So you're funding those every month, even if they're not
happening every month? Yes, and that's that's yeah,
that's that that is the that is the way and I and I'm terrible.

(20:58):
Like I don't have that savings account.
I just have the like I said the in my check here.
Like that's what I see that's what I'm happy with.
But I also know that like my outgoings are very minimal here,
you know, I know I'm super luckythere's other people that have
got the mortgages, they've got things to pay out.
So for my general expenses, every month, it's it's basically

(21:20):
just an electricity bill. So I, I know I'm super lucky,
but it still means, you know, there's a tax to pay after
there's this, there's that. Yeah.
And I think that's, yeah, that'sjust a a no.
No, I get it. And everybody's situation is a
little bit different. I always try to start with like,

(21:42):
are your critical needs met? Like so are, are you able to run
your daily life right now? Like, so we start there because
if I start talking to you about retirement 30 years from now and
we haven't figured out now, no, your brain can't go there,
right? Like we're in survival mode,
we're trying to pay rent, whatever.
So we need to make sure that we have this, this system working.

(22:05):
And then once you feel like yourmonth, month is feeling pretty
good, we can bump that time horizon out.
Because unfortunately, in this industry, in America at least,
there's no, for the most part, some bands have it, but for the
most part, there's no retirementand no health insurance.
So those are big expenses. And it's hard to be a self

(22:25):
advocate in those categories. And we need to be.
So there's a lot of education and support needed there too, to
kind of help people help themselves down the road.
I suppose as well, because with anybody in the touring industry,
one minute you've got a job and then like you said, then you
don't, then you do, then you don't, then you do.
That in itself is a roller coaster.

(22:47):
So to actually manage OK, for the next two months I've got X
amount coming in, but then I don't know when my next job is.
Some people are very lucky. They've got back-to-back tours.
I don't know if that's lucky. I don't know if that's lucky or
unlucky, but you know, back-to-back tours, but the same
thing. They, how much money do you set
aside? Are you setting aside more?

(23:09):
I mean, I've always said to him,I don't know if this is right.
I'm just, I'm asking you online to the world now, Like I always
say, as long as I have enough for basically another year.
So I'm like a year ahead. That's amazing.
Let's say my savings. Let's say my savings.
If I don't have any work as of now, I have enough for a year to

(23:32):
survive. I mean, that's incredible.
So in in general kind of personal finance cookie cutter
advice is we want three to six months in savings.
So three months of our living expenses if we're in a dual
income household. We're six months of expenses if
we're the only provider. However, in the music industry,

(23:53):
I love when people want to bump that time frame out just because
it takes the pressure off. And if we can take the pressure
off, I've seen a lot of clients just really always be hustling
for the next gig because lifestyle creep has kind of
gotten them a little bit. So everything has been a little
bit more expensive. So expensive.
So now their monthly expenses that they're obligated to is a

(24:16):
little high. And so in order to keep up with
that, like you have to find the next gig, right?
Like it's not an, an option. And I like to use money as a
tool to buy us options. And so if you have that bigger
savings account, you might not have to take the gig you don't
want to take. You might be able to take a
month and enjoy the time off rather than being super

(24:37):
stressed. Now I understand that's like in
a perfect world and emotions andmental health and just the gig
economy plays into it. And sometimes you just don't,
it's just too worrisome to know where the next gig is coming
from. So it really plays with
everybody's emotions, the industry, but having that fund
it's it's just so positive. But getting their people there

(25:00):
is is sometimes hard. I said I'd probably, you know, 1
tour a year. That's what I would, I would be
very happy with is 1 tour a year, you know, for a month or
two, you know, that's, that's just like perfect, because I've
still got this. So I've, I've still got like my,
let's say my passive income coming in, but that's like a
booster and that always helps. Even now I'm worried about next

(25:24):
year. Or do you think I'll get a job?
I've even just openly said for one tour a year, I'm I'd be
happy. My, my, my, my brain is like,
oh, but what about if I don't, what would I do?
It's just a mentally such rollercoaster in this industry.
But you, you know, they can't say, OK, yes, we want you for

(25:45):
this tour or, or whatever it might be.
I love what you're doing really.And just talking to you.
I can just just feel that, you know that you can people could
be honest with you and say, thisis what I've got.
This is my debt, this is my worry.
How can we, how can I sort, sort, sort this out?

(26:07):
And I think having somebody there as a guidance, you also
don't want to let that person down.
I know it should be about. Each.
Person like, I know that, but ifI've got somebody that's guiding
me in the right direction and I'm checking in with them, I
don't want to let you down. I know that feeling and I I went

(26:27):
to a show and people are coming up to me and they're like,
Rachel, I paid my credit card off.
You know, I was so excited, but it was so funny that that was
the hallway talk. But yeah, I'm, I'm here to help
people be accountable to themselves.
So it's really hard to step up for yourself.
I meet a lot of people that are really paralyzed.

(26:48):
They don't want to open the mail.
They don't want to look at the bills.
They don't, they know they have the debt.
They don't want to look and see what it is.
But by not looking, we're not making it any better.
We're actually probably making it worse.
So let's look together, right? Like I'm here to help you help
yourself. And that's been incredibly
rewarding. And I just have a quick story to

(27:09):
say from one of my mini sessionsfrom some of the tour
rehearsals. One thing came up.
Someone showed me kind of where their money was going.
And I noticed that their car loan was very high compared to
what their salary was. And so I just said, can I see
the statement for your financingof your car?
And the person showed it to me and I was like, Oh my goodness,

(27:31):
you are paying 26% car loan interest, which I've never seen
ever. So, you know, back in the day,
you could get 0% financing. Nowadays you're talking, you
know, maybe 4 or 5%. And then if your credit score is
not great, maybe you're in the 13 percent or whatnot.
But I've never seen 26%. And I don't know if this person,

(27:52):
you know, got talked into an introductory offer and they said
I grew up in poverty, Nobody showed me the way, my car died
and I needed to go get somethingquickly.
And so during the session, we were able to refinance the car
loan for 5% and we saved $30,000over the course of the loan.
So I was like, Oh my goodness, like in just a 30 minute

(28:15):
session, like I couldn't believeit.
And so that makes it all worth it.
Like even if sometimes I'm not sure, to me that is super
impactful and this person has somebody in their corner.
Seriously. And that and just by notes it
because they didn't open it, youknow, open and see and check
everything. I mean, my mom's forever telling
me say look at this, look at this.

(28:36):
And I'm like, Oh yeah. And I am, I'm not.
I am. I'm one of those people, you
know, and. I check your interest rates, no.
And if you need strategies for paying off debt, there are
calculators I can send you. So if you want to try to do it
on your own and you just need something, please feel free to
reach out to me because. Yeah, no, I'm.
Happy. I have.
I think I learned a lot through no, it was through COVID and

(29:00):
that it was that I want to make sure that I have I mean, I'm
good for a year. That was that was always what I
came out of COVID knowing. And even now I think I've
mentioned to you the the last time when we, we kind of tried
to have a chat. My, my motto for my life is
wanting isn't the same as needing.

(29:20):
So for me, before I think, do I really do I really want that,
you know, Oh, sorry, do I reallyneed that, you know, is.
It just. I want that and really, I mean,
I've still got really we could do with a new car, like my
little car, it was given given to me 8 years ago here.
It's still running. Is it the best for me?

(29:42):
It is. Could we do with a new one?
Probably. But I'm like until I run that,
you know, I look after it all the rest of it.
We don't need it. We don't need it.
We want but we don't. We don't need it.
We've got one. Right.
And that's a good example of, of, of that another way that I
look at it and it's not quite relatable with that example, but

(30:02):
with eating out. So a lot of people, a lot of
money goes to food. And so rather than it be a want
and a need, I actually, I've, I learned from a behavioral
economist that behind your feelings of want, there's
actually a need. So if you want to go out to
restaurants and, and be there and have the meals and all of

(30:25):
that, do you really want to spend $150 at the dinner?
Or is there a need that you're trying to fulfill?
And that need might be socialization.
That need might be, I'm on tour all the time and I'm secluded
and now I want to be out and with people.
And, you know, so if you can kind of figure out what The
thing is that you're trying to satisfy, there might be another

(30:47):
strategy for getting there rather than spending the $150 on
the meal. Is it that you do when you come
home, let 4 of you go out and, and, and reconnect?
Could you do a potluck? Could you turn that into
exercise or an activity that youknow is taking care of yourself
care and satisfying kind of the socialization.

(31:08):
So kind of figuring out what's behind that and and kind of
addressing that, that can sometimes help us I'm. 100%
behind everything you've said just then, because for us, we
same thing, you know, we live inlike small house in a local
village. And sometimes I get like, oh, I

(31:29):
need to go out, I need to go out.
And you know, that's when obviously we go out.
And recently, because it's the summer season here, lots of
people, they're working in the, the restaurants, the bars of
this. So where do we go?
We go to see them in these places.
OK, so we eat, we get normally agood price cheaper here than
America. I would right?
Yeah, it is. But now even here, I mean,

(31:51):
yesterday we actually, we went out and we, we had a Greek
salad, but it was so big with this big chunk of feta.
And I looked at my husband and Isaid we can't even buy these
green ingredients for less than what it that just cost.
It was €6 for this big. Gosh, wow.
It was, it was crazy, but here in Greece you buy a a chunk of

(32:12):
cheese now it's like €15 I think.
It's. Cheaper for us to come out and
eat and actually do a little bitof socializing than it is for us
to cook at home. OK, we do do cook at home as
well because it's obviously I'm,I'm not saying that it's cheaper
outside, but but then I realizedthat it was just I needed to get

(32:34):
out. So we do a lot of walking
anyway. And I said, well, why don't next
time, you know, we just go for awalk.
We have a coffee. We do this.
So it's changing exactly what you said, your need.
You don't necessarily have to spend the money.
You can be, you can find that balance.
You've just got to work out whatit is your desire.
Kind of feel right, yeah. And I mean, I always, again, for

(32:59):
many years, the way that not just in the touring world, but
the world in general and people working, we're working so fast
that these damn mobile phones are just zapping our brains for,
OK, I'm going to flick and, you know, not sit down and read a
book instead of reading a book because that does take time.

(33:21):
And people are generally too tired, like, oh, you know, maybe
I'm too tired to read the book. So they go watch a movie.
And so the we're changing with for me, it's just taking a
slower pace if we can, you know,we don't have kids.
So, you know, my friends with kids, all the rest of it, I see
them. And sometimes I can see the
struggle, you know, because you've got to keep keep up with

(33:46):
everything and still have time for yourself.
And that's when people go to buythings from from my opinion.
Yeah. Things like go to the shops,
they buy a new outfit, makes them feel really good that.
Especially, yeah. And I've seen it when people
come home from tour. So I've seen people overspend in

(34:10):
housing because tour doesn't provide stability, but their
home does. And so they feel that even
though they're not in their homea lot, that, that that gives
them a sense of stability, whichthey need.
But it's funny because it costs a lot of money to not be in it,
right? And then if you buy furnishings
for it now. So I've seen people be creative

(34:32):
there. I've also seen people put a lot
of money into their cars. Again, I'm working really hard.
I deserve this, right? So they want to have something
to show for it. And so if you can, again, not
judging, just trying to reveal what's kind of going on and can
we come up with other ways for, you know, you to feel confident

(34:57):
and secure and loved and, you know, proud of yourself and
rewarded and all of that, right.But I just want to make sure
that we're checking kind of the other boxes of financial
Wellness. And then if there's leftovers,
by all means, right? Like we don't need all of it to
go into savings or for bills, but we just need to make a plan.

(35:18):
Yeah, I'm, I'm finding that happy balance where you can
spend a little and you're savingsome and you're paying
everything. So you are above.
And I know, again, I'm not judging, but I know a lot of
people that are still in a lot of debt and I often ask them how
when you're always touring or you're always working and

(35:40):
they'll, they will be like, well, we've got our house to pay
for. We've got this to pay for.
We've got that. And I still want to do stuff
because I'm, it's the first timeI've come been to and I'm going
to say New York. So we want to touristy things
and I'm not going to not do it. And I understand all of that,
you know, but it's that trying to being in the red really,

(36:03):
really messes with your brain. Yeah.
I'm also one that so I've I lefthome at 18.
Wow. So like to travel.
So I I've always wanted to travel.
I left when I was 18. I haven't actually been back to
live. I'm 45 now.
I've never been back. But for the best part of let's

(36:25):
say 20 years, yeah, 20 years, I really didn't have anywhere to
live. I was always hopping from places
or people let me stay places because I was always away and I
didn't see the point in paying money for rent or for anything
because I wasn't there. As soon as I put down a little
bit of roots, I mean, it was later, I did.

(36:46):
I felt brilliant. I knew even when I was away, I
was going back to my my home or my room that I'd rented or
something. And it.
Really did the the difference ofthat was amazing.
So if you have lots of people that, you know, they're doing
the same kind of thing, but maybe they they have got the

(37:06):
money to go buy a nice house or,you know, then you're going to
want to do it because like you said, you deserve it.
You deserve that, the niceties when you come home.
It just took me a lot of years to yeah, to put it into a box
that actually I did need somewhere to live because I end
up. I was spending more money

(37:28):
because I'd go to friends and I'd take them out for meals and
I'd. Take them.
Seriously. And I'd be like, and it was and
it really, it was years later, Iwas like, I've just spent more
money on this. I mean, OK, this is this is
totally, this is a different, a different thing altogether.
But it it kind of makes sense. It will.

(37:48):
I hope it makes sense to you. So here in Greece, we don't have
any recycling, OK. The recycling doesn't really
happen. The local villages, it's just in
one bin for years now. I've been here for living here
for 10 years now and it drives me crazy.
This summer. There's like a big container in
in our village. It's the only one in the area.

(38:11):
And you now can go and take yourplastic bottles and your glass
bottles. It crushes it and you get 3
cents. I mean, it's not about the
money, but it's recycling. Amazing.
So me and my husband, we said OK, why don't we actually like
next door to our next door neighbors.
They haven't got a lot of money and they they were going round

(38:34):
like collecting like the they came to us, the 2 little girls
said oh can we take your rubbish?
I was like brilliant. They've again a little bit of
like, I know, incentive to recycle, but also they, you
know, they wanted the little 3 cent for the bottles kids.
So I said to my husband, I said,why don't we collect, you know,
from our friends to Verdas and bars because we go there, we'll
collect the bags and you know, we'll, we'll take them back.

(38:56):
Yeah, brilliant. Anyway, we've been doing it for
about a month and it was this morning.
I hadn't really asked, you know,how much, you know, there's this
man next door gets and he went, oh, he said, you know all that
there was big sacks of, of the, of, of the plastic bottles.
He said, oh, he got like €15. I said €15.

(39:17):
I said I know we're doing it forthe environment.
I said, but seriously my love, Iwas like, we spend more money
going to the tavernas to have a coffee to collect their rubbish.
I said driven there, you know, we're seeing friends and we're
thinking we're, we both thought we was doing something nice.

(39:40):
We thought we was doing. The.
Environment, We thought we was helping, spreading the word to
our friends. Recycle.
It's a good thing. Some people still, Some people
still. I'm cotton on.
Even this last month we go there.
Did you recycle? Oh, I forgot, I just put it in
the bin. So we were trying to get more
people to do it. Right, right.

(40:02):
But honestly, I said by the timewe bought a coffee, by the time
we paid for the petrol, we've come back here.
This poor man next door is like,anyway, I said I'd rather give
him €50 a week. That's really funny.
And back to your story about thehousing, like so when I talk to
people, I think if we didn't grow up and had some kind of

(40:25):
financial knowledge, one of those things were, you know, we
need the house check, we need the car check.
So like, we go down this list ofwhat we're supposed to do.
And I think the touring industryhas room for thinking outside
the box and so being creative and not having to check the

(40:45):
list. And so I like to really talk to
somebody before we even get intonumbers about what matters to
you. They're like, where do you want
your money to go? Do you want it for things you
know? Do you want it for experiences?
Does family matter? Does you know what matters?
And then when we can kind of pull out your top few

(41:08):
priorities, we can look at your money where it's gone.
And you tell me, do you feel like it's gone to the places you
care about? And so a lot of times there's a
lot of opportunity just in showing people that I don't
really need to do the $150.00 Target run or the Amazon
ordering because I get the thing.

(41:28):
And then I don't know, I don't really use it or I use it once
and I'm not that happy with it. And so, you know, maybe just
looking at your grocery spendingor your eating out category and
cutting back 10% is really not abig deal.
Maybe you treat your meals as wedo it once a week, but we're
it's not our default. Maybe we decide that we're going

(41:51):
to stock our freezer with thingsthat we love so that when we're
hungry and tired and just cominghome, rather than ordering the
DoorDash, we're going to look toour pantry or our freezer first.
But we have to set ourselves up for success.
So we have to have those things in it, you know, so if we if we
know that that's a trigger and that will cause us to spend like
just thinking ahead and like kind of setting ourselves up for

(42:14):
those things to have positive experiences and.
What would you say is like say asmall change somebody can do on
tour that would make a difference and make them feel in
more control of their finance? So like if you, everyone's
different, but just something. Yeah, sure.

(42:34):
This one's actually easy becauseit's not a thing.
I just want people to track their money.
So it's not budgeting per SE. I love having kind of a
baseline. Again, what do we need each
month? But if you track where your
money's going, you're paying attention.
And paying attention is a great first step.
Yes, Yep. Yeah.

(42:56):
So it's rather than just keepingit in the dark and you're just,
and nowadays as well, it's really easy because you've got,
you're banking on your phone, you've got a card, you just tap,
tap, tap and you don't really realize what you're spending.
Right, they make it. It is very easy, you know, to
spend. Super easy.

(43:17):
I mean, same thing. The last tour, I was very
fortunate that my husband, he came, he, we both did it
together. So we did the tour together, but
it was the first time we were, we were travelling around Europe
together. So I've been fortunate enough to
go to lots of these places already, but he hasn't and we
haven't. So to go there together, you

(43:39):
know, we'd go for walks around, we'd do everything, but then
we'd find ourselves going, oh, shall we have that lunch?
Shall we have that beer? And it got to one point, it was
after say our first four days off, I was like, OK, we're
spending the, the like the dailyexpensive money.
I said, so we've saved. We've, we've worked for three
days. So we've, that's, that's in the

(44:00):
bank we've got today. So I don't know whatever it was
120 or whatever I said, so we'vegot 240 if we want to spend
today. Well, some debt places were so
damn expensive. We spent that or whatever it
was, we spent €100 that we had each to spend.
And I was like, did we really enjoy that?

(44:21):
Did we actually need it? Could we have done something
slightly different that we stillwould have had fun, still had
the experience that we wanted, but without actually spending
that money? I said, because our whole
intention is to come to see Europe, to experience somewhere
different apart from home, but to take the money back home.

(44:43):
So then we we are less stressed,I said.
If we continue this and spendingbasically our PDS before we've
even got the PDS. Yeah, we're.
We're we're doing something wrong here.
And he agreed and he was like, yeah, yeah, you're right.
So instead of having 2 beers, wehad one, you know, it was, it
was a little changes. It wasn't massive, but it was

(45:05):
little. Changes.
That made us then at the end of the day I was like, oh, OK, so
we've we've got some money leftover on that one today.
Brilliant. Right.
And that's the kind of awarenesslike I try to share, right?
Like again, not telling you to go from 2:00 to 1:00, rather
just kind of bring that future you into the picture because
it's so easy to kind of forget and just be in the moment.

(45:28):
Yeah, and I suppose telling people, you know, if you told
them you don't do this or you shouldn't do this, they're never
going to listen and they're justgoing to do it.
Oh yeah. And that's not what the coaching
is about. Coaching is really about pulling
out of you what you want, so kind of asking you questions and
getting you to think about what you want this life to be and how

(45:51):
to use money as a tool to get there.
I know you said it's everyone's different, but like, could you
explain like a typical session, you know?
Yeah, how? How does a typical session, What
does a typical session look like?
Yeah, sure. Like one of our mini sessions
will usually include getting to know you for a few minutes, kind
of finding out if there's a painpoint going on in your life

(46:13):
financially, and so kind of getting just the lowdown on how
you even manage money. So I love people that tell me,
like, what do you do when the money comes in?
Where does it go? How does it leave?
How do you make decisions about spending?
Do spend whatever you want to and kind of figure it out later.
Do you have a number in mind that you'd like to keep it

(46:35):
within? I kind of, I do a lot more
listening than talking. So I'm I'm looking for
explanations like everything is fine and then there's a one off
and then everything's fine and then there's a one off.
So these one offs are usually the things that don't happen

(46:55):
every month. I can usually say your car will
eventually need to get fixed, right?
We'll eventually get a nail in our tire.
So we may need to replace our roof if we own a home.
So there are things that we may not know when they're going to
happen, but it really is a matter of when, not if.
And so if I can kind of sense that that's kind of the

(47:16):
struggle, then we can work backwards and kind of find room
to put more money into those things that are taking up the
money later on. Some people it's spending.
I do my work with Music Cares. A lot of that work is on the
income side. So kind of just generating
income from the music industry is super challenging.

(47:39):
And so on that side, we've had to be more creative.
I'm kind of like, how can we diversify our skills so that we
can do other things, which happens in touring too, right?
Like, so if you're off tour, arethere things you can tap into
that are not touring that can kind of keep you going?
I have one gentleman that I talked to and he's a remote

(48:00):
notary. So he does Zoom notary sessions
and he has connected with hospitals and nursing homes and
stuff like that. So when people need to sign
something in front of a notary, he does these Zoom sessions and
he's doing great. So how can you be creative to
kind of bring in other sources? But when I see people hustle so

(48:22):
much on generating income, that's when I want them to pay
the same attention to what's going out.
Because if you're just bringing it in, bringing in and bringing
it in and then not paying attention to what's going out, I
just worry that they'll be burnout.
There definitely will be less time for family, friends, and
personal care because you're always working so hard to make

(48:42):
ends meet. And so I find that there's a lot
of room there usually to work onthe spending side.
Usually we can also in our sessions, we can usually find
some quick wins. So I have people go on their
phones, if you have an Apple phone, going to the
subscriptions tab and seeing thethings you're paying for.
And usually there's some subscription you're paying for

(49:02):
that you don't use or you don't need or you won't miss.
And so we kind of cancel those right away.
So subscriptions are always great to look at.
Eating out is a great place to look at to kind of save quickly.
Groceries being more intentional, going with a list.
I mean, I know sometimes you're home for a little bit and then
you're away and then you're home.
So I don't know if there's any food waste, you know, again,

(49:26):
using your freezer, stocking your pantry, kind of those are
places where we can kind of get some fast wins.
Yeah. And I think that's don't go to
the supermarket when you're hungry because you just buy
everything that right. I've been guilty of that before
for sure. Every time I'm like, damn it,

(49:48):
not again, right. But you know, like, say with
people that are on tour, they'reonly back for a short amount of
time. And, and yeah, you, you look in
your fridge, there's nothing there.
OK, You'll call the door dash. You'll, you know, and that's the
me, like you said, the subscription side of things, you
know, these are all, yeah, they're all things that you can

(50:10):
probably look at and say, oh, damn, I didn't even realize I
was still paying for that. Guilty.
Right. Totally here too.
And then the other things is like housing and transportation
are usually our biggest expenses.
So I always like to run through the numbers of people and say,
well, how much of your money is going to housing and how much is
going to transportation? And is that a reasonable

(50:32):
percentage? So if those two categories, if
you've overextended yourself andthose are really high
percentages of your income, it makes everything else feel super
tight. And so I'd rather get somebody
before they sign the car lease or car purchase or before they
buy the home, so we can actuallywork through the numbers about

(50:53):
what you really need and can youkeep up with it, right.
So a lot of people say I can't plan because my income's
unpredictable, but I actually say that's more of a reason to
plan. So let's estimate our expenses
are high and our income is low and see if we can make it work.
And if we can make it work in that situation, then if your

(51:14):
income increases or your expenses go down, you're even in
a better position. And I suppose as well it's, you
know, you might go and buy something or get a loan on
something when you have got somegood income coming in.
But with our job, there's no guarantee of that either.
So I suppose as well it's, I mean, how do we manage that so.

(51:35):
That's a really good point actually, because let's say you
have some good income coming in for a period of time and the
bank approves you for something,right?
So just because you've been approved for it doesn't mean we
should do it. And that's where we have to be
really kind of honest with ourselves.
If can we sustain this, are we setting ourselves up for
success? Because that's what I want us to

(51:56):
do, right? I don't want you to commit to
something that you then don't know if you can keep up with.
And so that's kind of where we, you have to, there's no perfect
answer. It depends, you know, how much
risk you want to take on and, and kind of that situation. 1
little side note I'll say though, is building your credit

(52:16):
before you need it is super helpful because when you come to
those times when you want to buysomething or you need your
credit to kind of get you a better rate, it's hard to build
it in the moment. So it's something that we want
to be working towards. We want to pay our bills on
time, which is the biggest factor that goes into our credit
score. There's other things that kind

(52:38):
of go into that score, but just kind of being aware of that and
for touring folks, I always recommend that if you're not
currently applying for a loan oranything that needs your credit,
freeze your credit. So it's easy to freeze your
credit. There's three credit bureaus and
you can go on each one and freeze your credit.
That would prevent somebody fromtaking out credit in your name,

(53:00):
which when you're on the road, of course, we can't pay as much
attention to kind of what's going on.
We're not getting our mail, we're not home.
So freezing credit is usually a good idea.
I'm happy to send anyone material on that also.
I was gonna say is there is there any like tools or apps
that you recommend for people touse like when they're a way to
manage things or? Or yeah, so it depends.

(53:24):
Like I usually like that to be apersonal thing because I like
people to use whatever they're willing to stick with, right?
So there's some budgeting apps like Monarch Money, which I
like, another one called Wine app, but it's only good if
you're going to use it. So I have people that are like,
oh, Rachel, I have this subscription.
I've never touched it. And I was like, OK, we need to

(53:45):
find something that's going to work for you.
And then I have another touring folk who uses the notes app in
his phone to track his per diem and it's working.
So if it works, you know, I'm OKwith him doing that.
Now there's a whole like kind ofside conversation that if you're
getting paid as a contractor andyou're really running a music

(54:07):
business, I would want you to have some more things in place
just so that we're pulling in income into a software.
We're listing out expenses because that just makes tax
times easier. So a program like QuickBooks or
if you're just kind of getting started and you just want to be
able to prep invoices and maybe like log expenses, there is

(54:28):
another program called Wave Accounting that's free.
It could just be an Excel spreadsheet.
Also, again, I want to kind of work with whatever makes sense
for an individual. Because especially when you are,
yeah, when you are on tour, it'shard.
You know, you don't get out yourlaptop and you don't start
putting in your expenses and it doesn't you it just like.

(54:51):
It's like, yeah. It just rolls, doesn't it, into
like craziness of yeah, just just actual craziness of like, I
haven't got time to put this in.I mean, again, I know people
that enter everything into a sheet or an app.
Yeah, I know some people that the tax cut tax comes in and
they're like, Oh my God, I've got to spend 2, two days doing

(55:12):
my tax now because it's 2 days. Try 2 weeks if you have not paid
attention to it all year. It feels like that big of a
burden. Yeah, it's horrible.
Yeah, but but if I can get one of the things I try to get
people to is tracking. We start out even daily or every
couple days because if you have 5 minutes a day and maybe you do

(55:36):
and maybe you don't, but if we never let it get more than a few
days behind, it's actually pretty easy to keep up with.
You just need someone to help you set up the routine and build
the habit. And we just have to build the
muscle just like at the gym. We just have to build this money
muscle. I have people who are like
Rachel, I call Mondays, my moneyMondays, and that's when I work

(55:57):
on this stuff. I know in country music it's a
lot of weekend warrior stuff, sothey're off on Mondays and
Tuesdays. So for them, it really helps to
kind of have that set routine ofgetting caught up from the week
prior, but definitely keeping upas you go.
Because also with me, if I don'tkeep up as I go, I don't want to
do it. So then it's then you just shut
down because you're like, this is too big of a project.

(56:19):
I'm not even going to start. And that's it.
Because you, you put it off. You put it off again, hands up.
I am that. Person.
You know, I totally am put it off, put it off and then it
comes through and I'm like, Oh no.
And then I'm like next year. I mean my account, obviously if
I could go back, I mean, I, I've, I've actually, I've given

(56:40):
up my little business that I hadin England because now I am full
time here and, and that's it. But really my accounts in
England every year I'm like, I'mso sorry.
I said next year, I promise it'sgoing to be better and then
every year I'll be like, I'm so sorry I didn't.
Do it. OK, so the way I look at that is

(57:00):
yesterday is all in the past. So like, yes, we might have to
clean up everything from today prior, but from today forward,
what are we going to do? So forget waiting for the next
year, forget waiting for the next month, just like they're
starting today. How am I going to build a new
habit and we don't have to change it all overnight?

(57:21):
Maybe you're going to say when Iif I'm running my own business
and paid as a contractor, I'm going to snap a picture of every
receipt. Or maybe it's I'm going to
download my transactions from mybank account into a spreadsheet
once a week and at least keep a tally, right?
I'm just going to say that was meals.

(57:41):
Maybe I'm not signing up for QuickBooks yet, but I'm just
going to start the sheet for now.
And maybe next year I'll come upwith a system for, for now, I'm
going to do the steps that I think I can accomplish and it's
something. And then anything prior to
today, we'll deal with that messlater.
But don't let that hold you backfor making a change.

(58:03):
Yep, yeah, wise words. Well, let's see how I get on
this year, but. Yeah, let me know.
Yeah, I know. Seriously.
But so you've you've started life jam.
How long have you you've been life jammed.
How long has that been running now?
Sure. I started about four years ago

(58:27):
as sort of a part time thing while I was employed, kind of
left my full time job, did this coaching for women at the same
time as growing it, and then as of last June, full time and
Lifes Jam. So when you say is it just you
don't just coach ladies now it'sit's anybody.

(58:47):
'S no that the women financial coaching was separate?
Yep. I coach everybody and I'm just
focused on the music industry because I feel like there's so
much need here. So I help people in a few ways.
I do one-on-one sessions when people hear about me and reach
out. I work with tours in providing
that coaching to the tour through the tour run so that

(59:09):
their people feel supported. I do employer kind of Wellness
workshop, so Lunch and Learns IAcollaborator with the Country
Music Association and an ambassador for them, and I've
done some stuff with them. I write my column and kind of go
around the country speaking about financial Wellness in the
industry to kind of continue to bring awareness to the decision

(59:33):
makers in the industry to kind of provide more support here.
So how can people reach you? How can how can people like hear
they're listening. They're like, my goodness, I
think you're amazing. I could really, really do with
your help your your your advice.Like how?
What's the best way to read? Yeah, you can check out my
website, which is Life's jam.com, LIFESJ AM.

(59:57):
It's a newly redesigned website,so I'd love for you to check it
out. You can also find me on
Instagram with the same handle, Life's Jam.
And I also have a a connect A network on LinkedIn, so under my
name Rachel Braunstein. And I will do, I'll, I'll do a
like a little post anyway, but I'll put all that, all the

(01:00:17):
information, I'll put it on the post that people can reach out
to you. And one thing I wanted to ask
was like, how like do you approach tour tour companies,
tour management to offer your services?
Or is it now that it's word of mouth that you've managed to get
these contracts, you know how how's that all coming together
for you? And when did you first start?

(01:00:38):
Your first? Yeah, your first tour.
Yeah, it's a relationship business, as you know, So I'll
never forget. Zito, production manager for
Green Day, was asked how we werein a room one day and someone
said, oh, how do you know Rachel?
And he's like, she just kept showing up.
So I feel like I did. I really hit the pavement at the

(01:01:04):
beginning and was just trying tobe present, try to absorb all
the information that I could and, and really be there.
And then Zito brought me out to Green Day rehearsals last year
and I was able to do some of that coaching.
I speak at the conference live at Lititz for the last couple of
years. So that's been an incredible

(01:01:24):
couple days of meeting and talking with touring folks,
which has helped lead to opportunities.
Word of mouth is incredible. It started as if I could just
know 1 tour manager and kind of connect with one and it's gone
beyond my wildest imagination. So I just love that it's so well

(01:01:45):
received and people really the number one thing people say is
Oh my gosh, we need this help. So as that's kind of my
motivator to keep going and connecting with professionals in
the industry. And what would your goals be for
Life Jam? Would it be that you have more

(01:02:07):
coaching assistance with you? So then they can go off and you
know you're going to grow to a big empire, right?
Now putting 11 foot in front of the other right now, I'd love
for there for there be a life jam community though, so a
community hub. So no matter if we worked with
together in the past or you're on a tour that I'm supporting

(01:02:30):
now, we all have a central placeto ask questions and get
resources. I'm start starting to build a
lot of resources and educationalmaterials for things that I'm
seeing come up a lot. So I'm hoping I can kind of lean
into that and share that in the future.
Yeah, that's amazing. And sort of goals for this year,
what I don't know if you can mention anything, but like have

(01:02:51):
what have you got lined up for this year speaking wise?
So again, if people are around like, oh, I'm going to go to
that, I'm going to make sure I check you out.
Sure. Well, one of the one of the
organizations that I joined as aBoard of director this year is
Echolive, which we kind of talked about at the beginning of
the the session. And we put on a fantastic
workshop in Nashville in November, bringing in, you know,

(01:03:14):
several 100 folks to come listen, engage in panels and
discussions. It's super interactive.
I offered a finance kind of minisession before the workshop
kicked off last year and it was,it went off well.
So we're going to be doing that again.
So if you want help with your personal finances, we can get
some kind of together time before the workshop.

(01:03:35):
So I'll be at that, which is great.
Not I'll be back at the conference live at Lititz.
I'm not quite sure. I have to kind of keep building
my calendar out. So I'm not sure what's what's
down the road. And I'll finish supporting this
tour through October that I'm onright now, which has been been
great as well. So stay tuned for more.

(01:03:56):
And if you have and if you are with a tour that wants some as
help, please reach out. I'd love to kind of share how I
can support your crew. Yeah, I think that's the biggest
thing for here. If anyone is listening, then
yeah, for sure you can. If if you've missed Rachel's
e-mail or whatever, you can contact me and I can connect you
both. But I feel what you're doing,

(01:04:19):
there is a huge need for it. I mean, even even me just open
it like I thought, Oh yeah, I could do with that.
I could do with that. So for people listening, I'm
sure that there's lots of peopleout there that need that
guidance, need that advice. And you know, and I'm so I'm so
thrilled that you're doing it and you're doing it in the
industry. I love working with Echo Live.

(01:04:41):
I do, I try and promote them as lot, as much as I can because
what they're doing is fantastic.So I said Cara was the one that
connected us both. Yeah.
Thank you, Cara, if you are listening.
Thank you for that. Will you be at LDI by any
chance? I haven't gone to that one yet,
but maybe I should add it to my list?
I don't know. We'll see.

(01:05:03):
Well, I'll be, I'll be at LDI. We're also doing like some sort
of panel things in the daytime for this thing called X Live and
they're organising something in the evening.
But I like going there as well because the backstage, no behind
the scenes, sorry. Behind the scenes they're there
and they talk a lot about mentalhealth.
So I like going there to just not just, but, yeah, to to see,

(01:05:27):
see what's, see what's happeningto help people because really
financial mental health in the touring world for me, it's just
a huge thing. And I said on my last podcast,
like I sit, I sit here and I sayhow easy it is.
But when you're on tour, it is so different.
So for you to come on and say, no, actually when I when I do it

(01:05:48):
like a drop in and I visit, people are coming up to you.
That's fantastic. You get to go to the rehearsals,
you're there for the days off. Yeah, it's great to say see that
it's working and sorting out your financial situation will
help with your mental health, so.
Absolutely. I say that all the time.
It's been a pleasure. Yeah, yeah.

(01:06:11):
Is there? Anything else you wanted to
mention that we may have missed or is like, yeah.
Because I think we cover, I think we covered it.
And I mean, there's always so much more to talk about, but,
and I have a monthly e-mail newsletter if anyone wants to
join that I give tidbits of information.
Again, you can sign up for that on my website.

(01:06:31):
But I would just love to connect.
I'd love to keep helping. And I'd love to keep kind of
leaning into what are the kind of pain points that if somebody
could help you resolve your lifewould be that much better, you
know? And so I want to meet people
where they're at. Fantastic.
Well, Rachel, thank you so much for coming on and I look forward
to meeting you one day. Yes, perfect.

(01:06:53):
Thank you for having me. Thanks.
Bye. Bye.
La La La La la ladies. The ladies.
Now here's the leading ladies byGeezers of Gear on tour.

(01:07:17):
Maybe she got some stories to share.
Now here's the leading ladies bythe Geezers of Gear, Rockstar
ladies with some stories to share because La La, la, la, la
ladies. La La, la, la, la, la ladies.

(01:07:48):
Yes, she's at high. Now here's the leading ladies by
Kizers of Gear Rockstar ladies for some stories to share.
Now here's the leading ladies bythe Kizers of Gear on tour.

(01:08:13):
Ladies, you've got some stories to share.