Episode Transcript
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Speaker 1 (00:00):
Friends, today's
episode is all about financial
fitness, being financially fit,and I have no one better than a
good friend of mine, sarahKurtenbach, joining me on the
show today to dive in how shehas been able to pay off over
almost a million dollars of debt.
Let's dive in to today'sepisode.
(00:22):
Well, Sarah, welcome to theshow, my dear.
Speaker 2 (00:46):
Thank you for having
me here, CJ.
I'm super pumped.
Speaker 1 (00:52):
Yeah, this is awesome
.
So everyone kind of watching orlistening.
I've known Sarah, honestly, formost of my life.
We weren't really everconnected, but we did graduate
from Sioux Falls Christian.
Sarah graduated a few yearsbefore myself.
Speaker 2 (01:02):
So I'm much wiser,
much wiser my older years.
Speaker 1 (01:05):
She has the years of
experience on me, Always
watching from afar and learningso much Sarah.
Speaker 2 (01:12):
Yes.
Speaker 1 (01:13):
So your wiser wisdom
has been passed on to me.
But recently I've been kind ofI got reconnected with you at
church and so I'm like, I'mpretty sure like you went to
school and we did, but I seenthat you had launched a new it's
a new business, right, and Iwas very intrigued by it.
(01:34):
Obviously, this is the Fit andHealthy podcast, but as we
launched this new year of thepodcast, I really wanted to take
all aspects and angles Right.
And Sarah, you launched MoveHer Money, yes, and so I want to
dive in and talk today aboutwhat it might look like to be
financially fit, totally,because there is a lot that goes
(01:58):
into finances and, as I've rana team, I've even noticed to a
lot of my team members they justdon't have the knowledge of
money, because where do you getit?
Speaker 2 (02:08):
Yeah, right, yeah.
Speaker 1 (02:10):
So can you explain to
us like what is move her money?
Speaker 2 (02:12):
Yes.
So move her money is somethingI created about a year ago and
it came from seeing that therewas a void and there was
something missing, which isreally great financial literacy
geared towards girls.
So Move Her Money reallyspecializes in teaching girls in
their teens and in their 20sabout money in a way that they
(02:35):
like learning and what they needto learn in that specific
season in their life.
And the reason why I focus onthat age of girls is because,
first of all, god really put acalling in my heart to speak to
that age, so it really came fromthe Holy Spirit, but also when
I started really diving into thedata and the science and the
research behind it.
The number one target for creditcard companies is teenagers and
(02:58):
high schoolers.
And then, obviously, if youlook into college students now,
all of a sudden, when you're 18,you can sign student loans and
get six figures worth of moneythat now you have to pay back.
So it's a time in their lifewhen they can start taking out
debt.
They are getting marketed debtall the time.
They're making debt look likesexy, like you should get this
(03:19):
Everybody has it and it's also atime where, if people do that,
they start making money mistakesthat become habits that now
come into their entire life,into their marriage, into their
family.
So I figured, man, if I canreally get to these girls before
the credit card companies do,before these bad habits are
created, before the loan sharksgo to get them, it could be so
(03:40):
helpful for them andsignificantly help their
financial future.
Speaker 1 (03:43):
Yeah, it could be so
helpful for them and
significantly help theirfinancial future.
Yeah, that reason speaks to mebecause my wife, she owned a
preschool and I asked my wife Iwas like babe, I'm like man,
like dealing with kids is hard,like why a preschool?
And her answer was very similarto what you just said.
She said if we can reach thekids at this age, we can help
then basically shape the future.
(04:05):
And so I love the fact that yourecognized a demographic of
people the younger women thatare getting targeted and that
are having this problem wherethey don't have the information
available to them.
So Move Her Money helps withmoney.
And what is it that you use tosell?
(04:26):
Like, what order are peoplebuying?
Speaker 2 (04:28):
Yeah, so I've created
online courses that girls can
take on their phone, on theirlaptop, on iPad.
I also created it to be veryTikTok style, because before I
created it, I actually took alot of online courses myself to
understand this kind of style isjust like a little bit boring
or this kind of style is reallyexciting.
So when I was taking theseonline courses, I liked the
(04:50):
courses where the videos were alot shorter.
It wasn't like you watch a 30minute video, because even me,
as an adult woman wanting tolearn this topic, I find myself
all of a sudden scrolling on myphone or I'm checking emails or
I'm doing something else.
I'm not totally listening.
Or if a video is like one tothree minutes long, you don't
really have time to do a wholelot else.
Speaker 1 (05:10):
Yeah.
Speaker 2 (05:10):
So you're going to
like, you're going to listen to
it and then take the next actionto go to the next one.
So it's very TikTok style.
Speaker 1 (05:15):
Yeah.
Speaker 2 (05:15):
So that's how I
created it.
But the online courses I haveone like major course that
teaches a girl almost everythingshe would need to know,
including taxes, how to fill outa W-2, like everything.
And then I've also split mycourse into smaller mini courses
.
So if a girl or if her parentwants their daughter to just
learn about budgeting, justlearn about wealth building or
(05:37):
just learn about debt, they canbuy the mini courses as well too
.
Speaker 1 (05:40):
Yeah, that's very
cool, and I mean we know that
attention is like it's gone.
Speaker 2 (05:47):
Oh, it's totally gone
.
Even for us it's gone.
Speaker 1 (05:50):
It's gone.
So I think those short clips Imean, as you're just talking
like something that comes intomy mind that I'm just
questioning, and maybe ouraudience as well, since it is
targeted to women like thisintrigues me.
Yes, and so if I wanted to buyit and take it like, would I
still get value out of it?
Or is it like very Sarah isspeaking to a woman and so I
(06:10):
would just have to, as my ownperson, get over the fact that
you keep calling me a her?
Oh my gosh.
Speaker 2 (06:15):
That's so great.
I get asked this question a lotactually, because also moms are
like well, I also have a son.
Like can my son learn this?
Because boys need to learn thistoo, and I agree a hundred
percent the boys and the menneed to learn.
It's not just girls and womenthe boys and the men need to
learn, we all need to learn,right, um.
So I will say, like in thecourses, there's definitely a
feminine touch, like thebranding is more feminine the
(06:35):
colors, are more feminine I I'mlike, hey, girls, yeah, she her
a lot, yep, but the fundamentallearnings is for everybody, yep,
everybody.
And I even have women who areages 50 and up taking the course
, yeah, and they tell me they'relike I almost feel ashamed
taking this course because youcreated it for, like, high
schoolers and college students,but no one ever taught me about
money, yeah, so I want to learnnow and I'm like you should.
(06:57):
The last thing you should be isashamed.
I am so proud of you.
I want to scream from therooftops that you're making a
change right now and you aretaking it right now.
Speaker 1 (07:05):
Yeah, so yeah,
absolutely.
So that would just be foranyone that's listening.
Now, if you are a guy and youwant to learn this stuff, number
one, like dive in, like, learnit, but know that you'll just
have to get used to Sarahcalling you a girl or hey,
ladies, and you'll just have tooverlook the fact that you're
not a girl or a lady, exactly,it'll be a good brain test, oh
(07:27):
yeah, absolutely.
And hey, sometimes for the guysthat may be listening and my
audience is actually mostlywomen as well, but maybe the
couple of guys that might belistening it's okay for us men
to pick up some ladylikecharacteristics and be a little
more in touch with our feminineside.
Yes, thank you.
Yeah, yeah.
Speaker 2 (07:46):
It's so true.
Well, we also have a lot ofteach right.
Yes, and when I teach the girls, I teach what I've done right
and what I've done wrong.
Speaker 1 (07:53):
Yeah.
Speaker 2 (07:53):
Because that's the
most important thing.
My dad always says everyone isa great example.
You either are a great exampleof what to do, or you're a great
example of what not to do, oryou're a great example of both.
And are we all kind of anexample of both?
We've all made mistakes.
We've all made great choices,and now we can teach other
generations about it.
Speaker 1 (08:11):
I love that.
That leads me to reallywondering, kind of, my next
question for you and I just kindof want to know what your
answer would be.
What puts you because sometimesI even get this question I own
a gym or a couple of gyms.
What qualifies me to be a gymowner?
So, speaking of that, whatqualifies you, in your words, to
(08:33):
teach finances?
Speaker 2 (08:35):
Totally so.
This is such an awesomequestion too.
So I would say it's really, ifGod placed something on your
heart there's like that sayingit's like God doesn't qualify
the called no, how's it go?
Speaker 1 (08:48):
Yeah, god doesn't
call the qualified, he qualifies
the called.
Amen.
Speaker 2 (08:52):
So that's one part of
it, and I think that if God
really calls you to do somethingand to be a voice for do
something, he's going to giveyou the passion to do it, he'll
give you the ability to do it.
So that's one thing.
God has definitely put thiscalling on my life.
But the other thing is, youknow, sometimes people will ask
well, sarah, are you like afinancial advisor, or did you
study?
Are you a finance major?
(09:12):
And I'm like no, I'm none ofthe above.
I'm not a certified financialplanner.
I didn't graduate with afinance major.
But you know what I did.
I had parents who taught meamazing financial literacy from
a young, young age.
So I have grown up learning andknowing what can happen in a
girl's life if you know how tomanage your money the right way.
(09:33):
And, again, I have made amazingchoices when it comes to my
money.
I've also made mistakes when itcomes to my money, and I will
talk about all of those things.
So I think, when it comes toeven just like qualifications, I
think, if it's something where,like you've lived, you've
learned, you've made reallygreat decisions and you learn
from your mistakes and you don'tkeep making the same mistakes.
Why not teach someone else?
Speaker 1 (09:55):
Yeah, absolutely, and
I think that's just it too,
because the truth of it is, as agym owner, what qualifies me
like literally nothing?
Yeah, like what qualifies meLike literally nothing.
What qualifies me is that Ihave a passion for helping
people believe in themselvesExactly.
That's it Exactly.
That's it.
But I do know, as we've beenleading up to meeting today and
shooting this episode, I've beena little more interested in
(10:16):
making sure that if I do see oneof your reels or one of your
clips on social media pop up,that I take it in to be able to
get a little more intellectualknowledge of who I'm talking
with.
Speaker 2 (10:26):
Thanks for the love.
Speaker 1 (10:27):
Yeah, but I watched
one recently that was talking
about like a lot of debt thatyou and your husband have had to
overcome because of schoolloans and just life.
Yeah, but kind of walk us downthat a little bit of how you
were able to take a substantialamount of debt.
Speaker 2 (10:47):
Yeah.
Speaker 1 (10:48):
And work together to
to eliminate it.
Speaker 2 (10:51):
Absolutely.
So you know I mentioned that myparents did a great job
teaching me financial literacy,so I totally knew what debt was
before going into college.
So I graduated from collegewith no student loans.
I paid for college in cash.
The only loan I ever had in mylife was a super small car loan
that I got right when Igraduated from college and moved
to Atlanta and I paid that offin nine months.
(11:13):
So outside of that, I never hadany debt.
No credit card debt, no,nothing.
I lived in Atlanta for two years.
I moved up to New York City andworked there for four years.
So during those years I reallyfocused on investing, building
my net worth, building myportfolio.
And then I met my now husbandand changed the financial game,
(11:34):
both for a time when we weremarried and then, way for the
better.
So I fall in love with this manfrom South Dakota named Chad,
and he proposes we're gettingready to get married.
I will say one amazing thingthat I love about Chad is so
Chad's an orthopedic surgeon.
So to become a surgeon, there'sa lot, a lot of school, and
let's just say I had no idea howmuch medical school costs.
(11:58):
So when he first, like you know, laid out and we talked about
money very early on in ourrelationship.
So when he first laid out howmuch debt he had, I think my jaw
hit the floor because I'm like,excuse me, medical school is
how much?
But also, if you, you know,invest in yourself and in your
education, knowing what theoutcome is going to be from an
(12:18):
income standpoint, it's muchbetter than going to school
having $200,000 in debt in, like, you know, ballet or something
like that, and you're like, howam I going to?
Speaker 1 (12:27):
pay for this.
Speaker 2 (12:28):
So that was
definitely a part of our debt.
So when we got married, Iabsorbed that debt, but we were
also building a house at thesame time.
Thus, here comes the other partof debt.
So we bought a plot of land,we're building a house and if
you added up those thingsbasically the cost of the land
in the house and the cost of hisstudent loans those two things
were almost a million dollars indebt, which is so crazy, such a
(12:54):
big number.
So after our first year ofmarriage, we were doing our
taxes Yippee taxes.
And that's when I really saw,line item by line item, of how
much we were paying in interestevery month, every year, and it
changed something in me andthat's when I was just like we
are not going to live a lifewhere we do this anymore, so
(13:17):
let's be super strategic inpaying this off as quickly as
possible.
So what we did is we sat downwith our financial advisor, put
together a plan, and the planwas he first of all automated
everything.
So all of our retirementaccounts, all of our investment
accounts, everything to set usup for a healthy retirement, was
automated.
And then all of our retirementaccounts, all of our investment
accounts, everything to set usup for a healthy retirement was
(13:38):
automated and then all of ourbills were automated and he goes
.
Whatever is left at the end ofthe month is for your discretion
.
I'm like our discretion ispaying off debt.
Baby.
Let's roll so every month likekind of whatever was left.
I would go to the bank and Iwould handwrite a check because
I wanted the validation ofmanually handing it over and
then getting the receipt of whatour balance was Like.
(14:00):
That just really motivated meto continue to do that.
So we would do that.
We first paid off his studentloans, because those were the
smallest loans, also had thesmallest interest rate, and then
we pounded our home loan and sowe paid everything off in under
six years.
So in under six years we paidoff that whopper amount of debt
(14:21):
and now we have lived adebt-free life since.
But I will tell you, cj, the dayI walked into the bank and I
wrote the last check to pay offour house and I handed that over
and they gave me the receiptsaying zero balance.
It is like the biggest feelingof freedom maybe outside of
accepting Jesus into your heart,that like I've ever felt,
(14:43):
because I was thinking we don'towe a penny to anyone anymore.
Everything we make now we cankeep and we can use to do
amazing beautiful things for theworld, for our family.
And we can use to do amazingbeautiful things for the world,
for our family, for our legacy,and so it was an amazing feeling
.
Speaker 1 (15:00):
Yeah, yeah, and I
think even that, right there, as
you mentioned earlier, youdon't have a degree in X, y or Z
with finances, but I think thatyou I don't know if a degree
could teach you that Right, yeah, you, that's life.
Yes, you learned through doing.
Speaker 2 (15:15):
Yes.
Speaker 1 (15:16):
And, as you're
talking, I also remember another
one of your social media clipsthat came through was your kids
walking into the bank and doingthat same thing.
I think that was with your guysas like giving them allowance,
yeah, but taking it in, andyou're like, okay, you need to
put this much into your savingsand you can keep this much.
But I think you said somethingabout your boy.
(15:37):
Your boy is younger.
Speaker 2 (15:38):
Yes, my boy is older.
Speaker 1 (15:39):
Your boy is older,
okay.
Speaker 2 (15:40):
It's my daughter who
thinks she's getting scammed.
Speaker 1 (15:42):
Yeah, there we go
that's what it was and it gives
her the money and then they geta piece of paper and she's like,
well, I don't understand.
Speaker 2 (15:49):
She's three.
These people just scan me, man.
I gave them like all of mymoney and then I just get this
little tiny piece of paper back.
Speaker 1 (15:55):
So boo and I think
even that, like as I think about
, like with health and fitness,I definitely love it.
We don't have a kid's area atour gym, right, but if a parent
needs to bring a kid becausethat's life Totally.
We will allow them to sit on thesideline or in the lobby, so
long as the parent still kind ofgets the responsibility For
(16:16):
sure.
But there's nothing better thanseeing that kid watch mom or
dad work on their health andtheir fitness.
Yeah, and I feel that this hasthat same effect.
There's nothing better thanhaving your kids watch mom and
dad but not only watch actuallydo it and live it with you guys
(16:36):
understanding finances.
Speaker 2 (16:37):
Yeah, I mean, I'll
tell you.
So my son is five and mydaughter's three.
Speaker 1 (16:41):
Yeah.
Speaker 2 (16:42):
And when we pay them
money.
So we created these stickercharts for them, so they have
all these different chores basedoff of their age, and then we
give them money at the end ofthe week based off of how many
stickers they have.
So there's a range and I willtell you.
It has given me a glimpse intowhy a majority of parents don't
(17:03):
take the time to teach theirkids about money.
Because it is work.
I will tell you, it is work andeven for me, teaching money is
my passion, financial literacyis my passion.
But even for me, sometimes Iwas like, oh Lord, we got to
make sure that we do this everysingle day and like all of this
stuff so I can totally get aglimpse into it.
But I will say, like as aparent, being able to have your
(17:25):
child watch you do this, teachthem along the way, and again, I
just know what it's likebecause my parents did an
amazing job teaching me aboutmoney.
I just know, what it's like,because my parents did an
amazing job teaching me aboutmoney.
Speaker 1 (17:35):
So I know firsthand
the choices that I made because
I knew, because someone taughtme, and I also saw firsthand the
choices my friends made becauseno one taught them, and I'm
like, goodness, it is so worthteaching my babies about this,
(17:58):
and the thing that's crazy aboutthat is that if we, whatever it
is, whether it's finances,fitness, faith, whatever if we
don't take it upon ourselves,whether it's our kids, our
friends, those that were aroundto try and teach what we have
learned, if we leave it up tothe world.
What's unfortunate about that isthat everything that you learn,
based off of the world,somebody's got something in it
for them, yes, so these banksand these credit cards, like
(18:19):
what they're teaching throughtheir ads and through their
marketing platforms and alltheir stuff, they're teaching.
You're learning, whether youthink it or not.
Advertising is teaching.
Speaker 2 (18:28):
Right.
Speaker 1 (18:28):
And so they're
teaching their audience that
they should get these things andhow it'll help them.
Yeah, but they're not teachinghow much it's actually a benefit
to all of them and how richthey're getting on the back end
of all of the uninformed Right,totally.
Speaker 2 (18:44):
You know, when I
started looking into the stats
too, I mean a majority ofAmericans consider themselves
like they say me myself I amfinancially illiterate.
Yeah, and so if you think aboutit, if you are financially
illiterate, you're definitelynot going to teach your kid
because you don't know.
And the other thing I wantparents to know is that if you
feel like you are not qualifiedto teach your children about
(19:07):
money, or what you want to teachthem is not adequate enough,
that's actually okay becausethere's other resources out
there.
If you have a girl who's in herteens or 20s, like something
like Move Her Money or like DaveRamsey has programs, there's
all these other programs because, also as a parent, we can also
just do our best.
I say this because our son wejust signed him up to play
baseball this summer.
(19:27):
I know a lot about basketball.
I don't know a whole lot aboutbaseball, cj, I'm just going to
tell you.
So I'm thinking I am.
I can't really help prepare ourson to do this.
So thank God there's a coachthere, there's another dad who
can pour into my son and be ableto teach him.
And the same is true with youLike, if you, if you're a parent
where you're like gosh, I justdon't think I'm the right one to
(19:48):
teach my daughter, my son,about money.
That's okay.
Find someone who can find it.
Speaker 1 (19:52):
It's okay, absolutely
, and I, and with that, what we
will do is we'll put a link tomove her money in the
description of this episode sothat way they can find it, they
can look at it Right and justknow that it's okay if you're
not totally there.
Speaker 2 (20:08):
Yes, yes, exactly.
I think the main thing, too, islike choices.
I was on a previous podcast,too, where we were talking about
kids and being parents andfamily, and they said that once
your child hits I think it waslike 10 or 12 years old, when
they start getting into likemiddle school, tween, teen years
, the most important thing youcan do as a parent is to show
(20:28):
them that you are still learningand still growing.
Speaker 1 (20:30):
Yeah.
Speaker 2 (20:31):
Because that creates
such a reaction to the child
where they know, like itinspires children.
Children also know theirparents aren't perfect right.
Lord, we are not perfect.
But also too like if you showyour children or if they just
watch you yourself learning moreabout money, about finances,
sitting down trying to figureout your budget, and it may be a
(20:52):
struggle at first.
It's a struggle for everybodyat first right.
Budgets, like, don't comeintuitively.
It's something you really haveto work on.
But if you have a child wholike sees you do that, and then
you say, no, we can't do thatthis month because we can't
afford it.
But if we save up for fourmonths, we can.
What a gift to your child to beable to see this and start to
calculate that too.
Speaker 1 (21:10):
I have two things I
want to say on that.
I have two things I want to sayon that.
Number one is kind of like ananalogy that I've heard that
just really resonated with me asit relates to fitness, but then
obviously as learning ingeneral.
But an airplane there's so muchgas on an airplane and I think
it's like over a third of thefuel on an airplane is used
during takeoff.
(21:31):
The rest is just to barely getyou to where you're going,
because you don't use much.
Once you're up there, you'renow just kind of flying, but to
take off there's a lot that'sneeded to go into it to get this
thing going.
And so, as you're learning anew skill, there's a lot that
goes into it.
But once you learn that skillthat's the one thing that I love
about learning is that learningit's the only thing that, like,
(21:55):
you get to take with you, nomatter what you have this skill
now, like if I would give you anew jacket, that jacket could
rip, it could go away, whatever,but if I teach you a new skill
that's inside of you, it's yours.
So that's the first thing, andthen the second thing I wanted
to mention about just saving andlearning how to save.
I can remember a time when Iwas in high school and car audio
(22:19):
kind of intrigued me.
Speaker 2 (22:20):
Yeah.
Speaker 1 (22:20):
I found myself
walking into Audio Playground
here in town and I met Patty.
She's still the owner of AudioPlayground.
She's probably there workingright now.
Shout out to Patty.
Shout out to Patty Because Idon't think that I even realized
that and, honestly, until rightnow, or that she would have
(22:42):
ever realized it.
But like she helped me learnabout money.
Speaker 2 (22:43):
And how was that?
Speaker 1 (22:44):
I wanted to buy this
subwoofer system for my my
vehicle Sounds very high school.
It was very high school,absolutely Yep.
But I didn't have just themoney to buy it.
And so she said that she wouldwork with me to to have a
layaway account, which I didn'tknow what that was, and really
we picked everything I wanted.
She told me how much it wasgoing to be and I remember
literally stopping in thereweekly, if not every other week,
(23:04):
giving Patty money and herputting it in my file and
helping Patty.
Where am I at now?
Okay, you need this much moreto be able to afford it and
learning to save to get it.
And I can tell you what, when Ifinally got those speakers,
when I finally got the thing, Ivalued it way more than if I
would have just went and boughtit now, because we live in a
(23:26):
world where we want instantgratification, everything like
literally there's series andAlexa's and hey, google's, all
these things Cause we want theanswer now, right, but when we
can delay gratification, that islike the utmost sign of
progress Totally.
And so if you watching,listening, can to learn to just
delay whatever it is Like rightnow you might not know it, but
(23:47):
if you take the time to investin it, to learn the things
you're going to learn through,move Her Money or whatever.
It might be that delayedgratification like was it fun
living a life of saving all yourmoney?
Everything left over is for youand Chad?
Go have a date night.
Go have some fun.
Was it fun taking that andgoing to the bank?
I mean, there was something inyou that I can clearly tell like
(24:08):
you liked it but I'm sure youcould have done a lot more fun
things to do, but now not havingthat debt, I mean, I'm a little
envious.
I'd love to not have debt.
I'm sure you know peoplewatching and listening would too
.
But I think, with that, if youwould love to not have debt,
what are you going to do?
Yeah, you have a choice to make.
(24:30):
If you're listening right now,you have a choice to make.
You can start making smalldecisions that are going to set
you up for financial success, oryou can continue to live the
way you're living.
Speaker 2 (24:38):
Exactly.
You really do have to create aplan.
On the way here, I waslistening to the Rachel Cruz
show, who's Dave Ramsey'sdaughter, and she was just
talking about the importance ofcreating a financial plan.
I agree a hundred percent.
One of my friends they have apodcast for singles and they
wanted me to come on to talkabout the biggest red flags in
dating in regards to finances.
Like, hey boys, hey girls, ifyou're dating someone and they
(24:59):
do this with their money, justlike, watch out, big, big red
flag.
One of the things I talkedabout is one of the biggest red
flags is dating someone wholiterally has zero financial
plans or zero financial goals.
It's kind of like fitness, right, if you like.
Have no idea where you want tobe in your fitness.
Are you going to be motivatedto go to the gym every day?
Probably not, because there'sso many other things that are
distracting and pulling us inother directions, things that
(25:21):
sound nice, sound good at thetime.
Same is true with money, too.
So you really got to have thatgoal, that plan.
I'm also a big believer inmentorship, or sometimes like
board of advisor for your lifeor a financial advisor.
People really need someone elsehelping with their portfolio.
I have people asking me all thetime should I get a financial
(25:42):
advisor?
Yes, you will have to pay yourfinancial advisor a fee or a
percentage of your portfolio.
To me, I feel like it is 100%worth it.
My husband and I would not bewhere we are financially if it
wasn't for our financial advisor, because then you have an
expert like literally helpingyou to create a plan and then
changing it every 3, 6, 12months as well, too Kind of like
(26:02):
with fitness.
you know it's like you've hitthis goal.
Now you can do this goal inyour fitness, totally you know,
it's like you've hit this goalNow you can do this goal in your
fitness.
Speaker 1 (26:08):
Totally yes, and to
that point with goals.
If you don't have that goal,you don't have that North Star.
There's always going to besomething that would be better
in the moment.
Totally.
There always is, and there'salways somebody doing better
than you out there oh my gosh,that's life.
Speaker 2 (26:22):
Yes, comparison is
terrible, it's huge.
Speaker 1 (26:25):
But the world that we
live in too, especially for,
like your target audience, whichis that you know that teen to
twenties female all you do isyou open up the different social
media platforms and you seeeveryone under the sun doing
things that they say that you'resupposed to be doing and the
truth of it is is that we get todecide what success looks like
(26:49):
for us.
Totally, Totally, do so.
You could go on a date withChad when you were in your six
year period of paying off debtRight.
And you could go on a date withChad that you know the
Instagrams and the Facebooks saylook like this, perfect pitch,
perfect date that costs X amountof money to go do Right.
Or you guys could go on a freedate that still has just as much
(27:10):
meaning to you guys and notspend the money, because your
North Star, your goal, was topay off debt.
Speaker 2 (27:16):
Exactly.
Even in the Move Her Moneycourse.
I created a whole module oncomparison because, especially I
mean comparison.
Everyone deals with comparisonbut being a girl, I understand
what girls compare to othergirls and it's everything.
I'll tell you this Girls compareeverything to other girls, but
what I speak to the girls aboutis specifically financially
(27:39):
right, because you are so right.
When you look on TikTok, whenyou look on Instagram, there's
all these girls promoting like Ijust went on this vacation, I
just bought this bag, check outmy new car, look at my brand new
apartment.
I just bought this puppy.
I just went and I got amani-pedi, I just went to the
juice stop or whatever andbought like a $12 smoothie.
So so much of it is consumption.
(27:59):
And so when I talk to the girls, I also tell them you are going
to see this everywhere, but youhave no idea what actually is
in their bank account.
Yeah, and you don't know howthey got it.
And I'll tell you if, like,looking at the stats and what's
happening in our nation rightnow, most of all they probably
bought it on a credit card.
Yeah, that's probably how theygot it, and they're showing you
(28:19):
their new handbag and their newshoes, but they're not showing
you your credit card bill.
Also, one of my good friendswhen I lived in New York city
she became a very successfulbeauty um blogger and beauty
influencer, so she was gettinglike brand deals by all the top
skincare and beauty brands.
And then her and her husbandwere like moving to a new house
(28:41):
outside the city and, honestly,after I moved to South Dakota
and I was just watching her lifeon Instagram and texting her,
I'm like, girl, she is crushingit.
This girl is killing it.
Speaker 1 (28:50):
Yeah.
Speaker 2 (28:50):
So then anyway, one
day, right before Thanksgiving,
I'm walking through Hy-Vee andshe called me, so I'm
chit-chatting with her as I'mgoing through the aisles.
I'm like what are you doing forThanksgiving?
And she goes well, I'm reallyhoping that we can close a brand
deal with Lexus.
I'm like Lexus girl, look atyou, I mean you're killing it.
And she goes well.
(29:13):
Actually, the reason why I'mreally hoping we can close this
brand deal with Lexus is sothey'll let us rent a car for
free so we can see my family forThanksgiving.
Others, we can't afford to seethem.
And CJ, I was completelyshocked because this girl is
also my friend and again, it waseverything you see on the
outside on social media.
It looked like she was livingthe life, making bank, like cash
rolling in.
On the inside.
(29:33):
She couldn't afford a $300ticket to see her parents.
Speaker 1 (29:36):
Yeah, right.
Speaker 2 (29:37):
Yeah, so that's for I
mean, that's literally for
everyone.
Yeah, but especially when Ispeak to the girls, I'm like
just remember that when you seeall these posts and I think that
that is so true because peoplearen't posting that stuff, no
way.
Speaker 1 (29:51):
But I mean, it's real
life but nobody would post it
because in the world's eye and Ilike being transparent because
that's the only way I know howto be Fitbody over the last six
months we have started to gothrough a season of difficulty
and we've been blessed for nineyears.
It has been nothing but growth.
(30:12):
And when people are like, oh,how's Fit Body?
Because from the outside itlooks amazing, we're posting
pictures of new clients comingin.
We're not posting every time welose a client.
We're not posting every time acancellation comes through but,
that's real life.
But you don't want to likecelebrate that.
You're celebrating the winsTotally.
But that's not what people.
(30:33):
All they see is the wins then.
But so what's weird about it?
And I'm at a place right nowwe're even going through this
difficulty like that's life andI'm totally at peace with it.
And I know that it's just aseason and for a reason, and
we're going to get out of it andkeep rocking and rolling.
So I have no doubt in my mindof that.
But the weirdest thing is whenpeople are like hey, cj, how's
Fit Body doing?
Those that are close to me andI'm like you know, right now
(30:54):
we're not doing as well as wehave the look on their face.
It's almost like I hurt them bysaying that we're not crushing
it.
Because the world doesn't knowhow to react to honesty.
The world doesn't know how toreact to truth, because we're so
used to just seeing this facadethat when you actually hear
(31:16):
truth, it's almost like thereaction that I'm going to are
you okay?
Yeah, and like I'm good.
Like you asked me how Fit Bodywas doing, I said it's doing
okay, it's not crushing.
And you're like are you okay?
I didn't say I'm hurting.
I said it's doing okay, it'snot crushing.
And you're like are you okay?
I didn't say I'm hurting, right?
I didn't say that I'm worried,right, right, but it almost
feels that way and I think thatthat is so big as it pertains to
like comparison Totally,because you never know what
(31:37):
someone is going through.
Someone could just get thebiggest promotion in their life
from a financial standpoint butliterally last week went through
a divorce, lost their parents.
You never know, right.
And so I just feel like that'sanother big key indicator as it
relates to like living a fit andhealthy life, a better life,
like understand that everysingle person is going through
(31:59):
some type of hurt and to be kind.
Speaker 2 (32:02):
Yes, yeah, oh my gosh
, it is so true.
Yeah, exactly what you said.
Like just to be kind to people,because you know, know, we've
all heard this thing likeeveryone is fighting a battle
that we don't know about.
How true is that?
Everyone is, except.
I did see something funny wherethey were like everyone's
fighting a battle we don't knowabout, unless you have a toddler
.
Then the battle is like very,and I have a toddler, so I'm
like I feel that big time Peoplehave seen bad parts of me out
(32:25):
in public, right, but yeah,that's I'm trying to get them
through the store.
Exactly, and I also think that'swhy it's so important, as, like
humans, to be able to have,whether it's like one person or
like a close group, that you canlike, really share and be
vulnerable to, because you alsodon't feel obligated.
You have to be vulnerable tothe entire world.
(32:47):
Right, right, you don't have tolet everybody into your
problems and into your issues.
Some people do, some like biginfluencers do.
That's totally cool if that'syou, but you also need to let
somebody in.
Yeah, right, somebody.
Speaker 1 (33:00):
And that's
interesting that you bring that
up, because the podcast that'sdropping right before ours.
I was actually talking withJacob Lewis.
Yeah, that's dropping rightbefore ours.
I was actually talking withJacob Lewis, who I told you had
the big headphones Right, but hewas actually talking in his
whole episode.
That we did was aboutloneliness and about how people
need people, because everybodyis.
There's stuff that we need toshare and how do you do that?
(33:21):
So if you are just watchingthis episode and you maybe are
finding yourself dealing withloneliness, go back to the last
episode and dive into that oneas well, because that'll really
help you.
But as it relates to money andliving financially fit and just
having all those things figuredout, I like to always kind of
end our shows with Sarah what'sone piece of advice that you
(33:44):
could give someone?
And because this episode isspecifically on financial fit,
yeah.
What would be one piece ofadvice?
Someone is here watching likeman.
Everything we talked abouttoday, like spoke to them.
It's overwhelming.
I know I have a lot that I needto change.
What would be your advice tothat person?
Speaker 2 (34:00):
Yeah, yeah, no, that
is so true, because money is a
very taboo topic.
Speaker 1 (34:04):
Yeah.
Speaker 2 (34:04):
It can be very
awkward.
People don't like to talk aboutit.
It's very overwhelming.
People hide it under the rug.
I think the number one thing Iwant people to understand is
that money can be a verysimplistic approach and it all
really comes down to teeny, tinylittle habits that you do daily
, so very much like fitness.
There is this incredible bookcalled the Compound Effect by
(34:28):
Darren Hardy.
Have you ever read it?
Speaker 1 (34:30):
I don't feel like I
have.
Speaker 2 (34:31):
You would love it.
You've got to read it because hetalks about a fitness component
in there too, but what thisbook is about is he talks about
the teeny tiny habits compoundedover time makes a big, big
difference.
So from a fitness standpoint,he'll give the example of you
work at an office and there's abig bowl of M&Ms and if you were
to go grab a handful of M&Msonce a month, not going to do
(34:52):
anything to you, If you go graba handful of M&Ms every single
day or twice a day, compoundedover time, that's going to make
a really big difference.
And he literally did theanalytics to show if you eat
this handful of M&Ms every day,over the course of 10 years you
would gain this much weightversus you would either stay the
same or lose, Like I mean, it'scrazy.
Speaker 1 (35:12):
Yeah.
Speaker 2 (35:13):
He also talks about
money.
Speaker 1 (35:14):
Yeah.
Speaker 2 (35:14):
And when I read that
book for the first time, it
opened my eyes to how theselittle, tiny changes with money,
compounded over time, can makea big, big effect in my life.
So I would that's just the mainthing I want people to know
Maybe pick up that book and giveit a read too, because it's
about it's so true with allareas of life, right, like even
(35:35):
being married.
Like if you go home, do youjust like, sit on the couch in
school on your phone, or do yougo kiss your husband, kiss your
wife, and now, compounded over10 years, what does that mean?
You know it's a really reallygood book, but try not to have
finances be overwhelming.
Instead, think of maybe onelittle tiny thing you can start
doing today and then watch acompound over the next couple of
(35:56):
years Remind us of the name ofthe book and the author.
Speaker 1 (35:59):
again.
Speaker 2 (35:59):
Yes, it's called the
Compound Effect by Darren Hardy.
Darren Hardy, very good.
Speaker 1 (36:04):
Yeah, I love audio
books, like I'm like, thanks,
I'm not a kid.
You're like, dad, can we listento something else other than a
book?
I'm like, yes, we can, we'lllisten to some music.
Yeah, but I love that.
And you guys, I just think thatis so great for today.
Wherever you're at, whether itbe anywhere, start with
something small, add it up overtime, watch the compound effect
grow into a huge change for thebetter in your life.
(36:26):
Sarah, thank you so much fortaking the time to be here today
.
We're going to drop a link forthe Move, her Money, all the
resources, so you can check allthat out in the description of
the show.
But you guys do me a favor likesubscribe and share the Fit and
Healthy Sioux Falls podcast,because Sarah and I wouldn't be
able to be here and we wouldn'tbe able to do what we do if it
wasn't for amazing people likeyou.
(36:46):
So thank you for being here,spending your time with us.
We'll catch you on the nextepisode of the Fit and Healthy
Sioux Falls podcast.
Bye, guys.