Flawed Finances? 7 Ways to Successfully Reframe Your Money Mindset

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Ever feel like you're just winging it when it comes to money? Yeah, us too. Adulting is hard enough, but throw in the complexities of managing finances, and it can feel downright overwhelming.

This week on How to Be a Grownup, CK and GK are getting real about financial mindsets. We're diving deep into how our upbringings, societal pressures, and those sneaky negative thoughts can impact our wallets. We're not just talking about budgeting (though we touch on that too!). We're going straight to the source: your mindset.

We're sharing 7 practical and actionable strategies to help you identify limiting beliefs, cultivate positive money habits, and ultimately, achieve your financial goals. Because we're all in this together, mama.

Tune in for a relatable and jargon-free conversation about taking control of your finances and building a brighter financial future. It's time to ditch the "flawed finances" feeling and embrace a more empowered approach to your money. Listen now!

• Get even more content from this episode’s blog post, here.
• Subscribe to our newsletter!

—

Who Should Listen

Millennial moms who are tired of feeling overwhelmed or "flawed" when it comes to their finances. If you're ready to ditch the negative self-talk, learn practical strategies for managing your money, and create a more abundant financial future, this episode is for you!

—

What You Get In This Episode

• Discover how your upbringing and societal pressures have shaped your relationship with money: We'll explore the hidden influences that impact your financial mindset.
• Identify and challenge your limiting beliefs about money: Learn how to recognize those sneaky negative thoughts that hold you back and replace them with empowering affirmations.
• 7 actionable steps to reframe your money mindset: From budgeting tips to cultivating gratitude, we're sharing practical strategies you can implement today.
• Learn to celebrate your financial wins (big and small!): Because acknowledging your progress is key to staying motivated on your financial journey.
• A relatable and jargon-free conversation about money: No complicated financial terms here! Just real talk and practical advice from two moms who get it.

—

Bios

CK and GK are former (and current!) educators from Austin, TX, who are passionate about empowering millennial moms to navigate the ups and downs of adulthood with confidence. They bring a relatable and humorous perspective to parenting and finances, drawing on their own experiences and sharing honest, practical advice you can actually use.

—

Sources

• We got limited support from AI for this episode, and of course, Reddit!

Other sources:

• Six Steps to Creating a Positive Money Mindset | Happy State Bank

DISCLAIMER: This is not financial advice; listeners should consult a qualified professional for pe

The best support is a rating and a share.

Love,
CK & GK

Support the show

View our website at ckandgkpodcast.com. Find us on social media @ckandgkpodcast on
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-
at the bank so you know I usedto work at a bank did you talk
like this?
No, because I worked at adrive-up and I had to shout into
a microphone or I always feellike you have to be quieter at
the bank than you do at thelibrary.

Caitlin K (00:23):
People are quiet in the lobby, but they're not like
none of us.
Behind the things are quiet.
You're quiet when you'retalking to a customer about
their business.
I guess yeah.
But, like teller window, thetwo ones that we had had like
glass.
So you had to like shout.

Jenny GK (00:41):
Oh, you did have to scream.

Caitlin K (00:43):
Anyway, that's not the point.
Hi to like shout.
Oh, you did have to scream.
Anyway, that's not the point.
Hi, welcome, we're so gladyou're here.
This is how to be a grown-upthe show that teaches you things
grown-ups should know.
This week we are kicking offfinance february.
Uh, full disclosure, we are notfinance gurus, so this is going
to be fact adjacent.

(01:04):
No, that's not true.

Jenny GK (01:06):
This is going to be like just wrapping your head
around finances, right right,because we're not giving advice
here.

Caitlin K (01:12):
No, well, we're just talking about it we're just.

Jenny GK (01:14):
I mean, yeah, don't take it.
Yeah, when caitlin said likehey, do you want to make the
notes for this one?
I was like I don't do money.

Caitlin K (01:23):
Well, that's what we're going to talk about today.

Jenny GK (01:26):
I need help.

Caitlin K (01:27):
Let me just kind of wrap both of our heads around
what I'm talking about.
So everyone's relationship withmoney is complicated, right.
It's more than just numbers anda bank account and whisper
talking at the bank.
Our feelings about money andour money mindset deeply
influence how we spend, how wesave, if we invest, how we

(01:49):
invest.
So we're talking about thesereally deep-seated beliefs that
we don't realize that we have.
You know, the money is the rootof all evil.
Money can't buy you happiness,those sorts of things.
I'm not good with money, right.
So in this episode we're goingto talk about how these beliefs
can impact your financialdecisions and then how to shape

(02:10):
a healthier, more positive moneymindset.

Jenny GK (02:15):
Oh I love this.

Caitlin K (02:16):
Yeah, this is going to be good.
So before we do that, though,we can introduce Caitlin.

Jenny GK (02:22):
I will call her the cash machine because whenever I
walk away from her I always feela little withdrawal.

Caitlin K (02:28):
That's very sweet.
Well, speaking of money, that'sJenny, my dazzling, glittering
diamond.

Jenny GK (02:37):
Wow.

Caitlin K (02:37):
I know these are nice .
I'm moving towards nicer onesthat actually kind of make sense
.

Jenny GK (02:43):
We'll how long that was a redwood.

Caitlin K (02:44):
That was pretty fun, the redwood one.
I still can't believe youhaven't seen those.
Moving on, um, okay, so I dowant to give a quick shout out
to one of our new friends.
Um, her name is valerieprobesfeld.
She hosts a podcast called tomom is to love.
It's a great show If you're amom.
She talks about all the thingsthat moms deal with emotionally,

(03:09):
physically, mentally all thesebeautiful topics and she has
amazing guests highly recommendand most recently, one of her
really amazing guests yeah.
Us Incredible.
So when that episode isavailable, we'll let you know.
But, valerie, thank you so muchfor having us on the show.
We had a blast.
It was really fun, really fun.

(03:30):
Okay, so let's get into thetopic for today.
I do have to say I got somesupport from AI, because
sometimes pulling resourcestogether is just easier with a
little help, of course.

Jenny GK (03:41):
Reddit Love me a robot .

Caitlin K (03:42):
Right, love me a good robot help.
Um, of course, let me a robotright, love me a good robot.
Also, the if you're someone whouses ai, the nicer you are to
the robot, the more likely youranswers are going to be what you
want.
Just saying, just putting itout there, like hi, how are you
today?
Are you ready to help me, forwhatever reason?

Jenny GK (03:56):
I get better answers.

Caitlin K (03:57):
I know I get better answers when I do that.
Okay, so um my other I also.

Jenny GK (04:01):
I also like give updates.
Oh yeah, I'll go back to theother conversation and be like
hey, this worked really well.
Thanks for all your help.

Caitlin K (04:07):
Yep, or, if you want to, you can say like hey, do you
remember when we talked aboutthis?
I really loved that.
Let's go with that direction.
And it's like yep, I remembereverything because I'm a robot
blah, blah, blah, and it'll justspit it all back out at Okay.
My other source for today isthis is the cutest bank name on
the planet Happy State Bank.
What, that's a real thing Happy.

Jenny GK (04:28):
State Bank.

Caitlin K (04:28):
That's amazing, and they have a great article called
Six Steps to Creating aPositive Money Mindset, which I
borrowed some of the ideas fromthere.

Jenny GK (04:36):
Love it.

Caitlin K (04:36):
I'm going to say this again this is not financial
advice.
If you are looking forfinancial advice, please consult
a qualified professional forpersonalized guidance.
This is about your moneymindset.
This is not about here's whatyou should be investing in.

Jenny GK (04:51):
Oh yeah, no.

Caitlin K (04:52):
Okay, so I want to start with.

Jenny GK (04:55):
I did not get beanie babies.
I didn't do those.

Caitlin K (04:59):
I did.

Jenny GK (04:59):
But there are plenty of things that I've put my money
on that I should not have.

Caitlin K (05:03):
Well, we're going to talk about that.

Jenny GK (05:04):
I got you Okay, okay.

Caitlin K (05:05):
Okay.
So let's talk about kind ofyour, how your money mindset
comes into fruition here, okay.

Jenny GK (05:13):
Oh my gosh, we're going back to our family of
origin.

Caitlin K (05:16):
Yes, so thinking about your childhood, were you
ever?

Jenny GK (05:19):
oh my gosh, for real you are, I'm not kidding.

Caitlin K (05:22):
I told you we're going back.
This is amazing.
Yeah, were you taught aboutmoney?
Did you have an allowance?
How did your parents talk aboutmoney around you?
Hey, those are importantquestions to consider as you as
we get into this topic, becauseyour upbringing plays a huge
role in your beliefs about money.

(05:42):
If you grew up in a householdwhere money was always tight,
you probably associate moneywith stress and scarcity, right?
If you grew up in a householdwhere money was readily
available to you, you probablyhave a really different
perspective.
So keeping that in mind as wemove into this topic is going to

(06:04):
be a really big deal.
So just take a moment toreflect on that for yourself,
because it probably has a lot todo with the way that you treat
money.
Okay, um, there's also societalpressures as we've gotten older,
especially, uh, with socialmedia.
Media constantly bombards uswith messages about wealth,
about success, about the perfectlifestyle, like aesthetic

(06:28):
households, all these thingsthat can leave you feeling
inadequate.
If your house doesn't look likethat, you can't go on that
vacation, you don't have thatfashion in your closet, right,
right, um, it's important tothink about how these influences
kind of impact your moneymindset in addition to your

(06:50):
upbringing.
Okay, yes, so you there's.
The thing to do now is, onceyou've identified all of those
kind of background factors, youneed to start identifying what
your beliefs actually are andthen challenging them if they
are kind of putting you in astressful place with your
finances.

(07:10):
So there's those voices that Ipersonally have in my head where
it's like oh my God, you arespending, stop spending, or you
are never going to save enoughto retire, you're never going to
retire.
I think that that's amillennial mindset.
I think a lot of us feel thatway.
Right, I'm not good with money.
Those sorts of things in yourhead are limiting beliefs, right

(07:36):
, they can sabotage yourfinancial goals if you're not
careful about them.
And we've talked about thisbefore Not every thought is a
fact, right?
So just keeping that in yourhead, if you truly believe
you're bad with money, you mighthave what's called a
self-fulfilling prophecy, whereyou do things that are not okay

(07:57):
with money because you're like,well, I'm bad with money, so I
might as well just X, y, z.
Right, that's me.
So you need to identify whatthose beliefs are before you can
really change your mindset.
So what do you tell yourselfabout money?
Do you notice any regularrecurring negative thoughts?
If you need to write them down,I would highly recommend doing

(08:19):
that.
If you're someone who's seriousabout budgeting, I would say
start before you budget.
Start by writing down whatthose beliefs are, identify them
and then start challenging them.
Okay, is this belief reallytrue?
Where did I get this belief?
From?
What evidence do I have tosupport it?
Your beliefs are probably basedin fear or past experiences

(08:40):
that societal conditioning Italked about Also.
Ps, that's a good thing to dofor other areas of your life,
right?

Jenny GK (08:47):
I'm ugly Challenge that belief.

Caitlin K (08:48):
right, this is like kind of hitting me at the core
it's supposed to right.
It's about your mindset.
So this is a big deal.
So if there's no evidence tosupport it, then you need to let
it go.
Okay, that's anxiety speaking.
Then you need to let it go.
Okay, that's anxiety speaking.
When you're challenging thesebeliefs you have about money,

(09:10):
it's really really, reallyimportant that you start to
forgive yourself for any pastmoney mistakes.
Okay, that's a big big deal.

Jenny GK (09:22):
Well, I think also like learning to forgive
yourself for past mistakes inall aspects, like you just said,
like these are not just money,specific things.

Caitlin K (09:30):
No, they're not at all.
Um, so I want to get into, kindof how to actually cultivate
that positive money mindset, nowthat you've identified what
those beliefs are and you knowyou've acknowledged that there
are past mistakes.
So I'm going to, I'm going tosay, gonna say I'm gonna go more
into this forgive yourselfthing.
Okay, money is complicated,money is tricky.

(09:51):
Not everyone is taught how tomanage it effectively, which is
something I'm still bitter aboutas a former math teacher.
Right, personal finance shouldbe a topic in schools not econ.
Personal finance, then econright, so there's a really good

(10:12):
chance that you learned aboutmoney through trial and error,
right?
Like you get your first creditcard in college and you're like,
yes, free money.
And then the bill comes andyou're like, oh crap, okay,
happy State Bank, this adorablebank, I can't, even I don't.
Whatever they said, whateverdecisions you've made in the

(10:34):
past are in the past.
Yes, you might still besuffering the consequences of
those mistakes, but you don'thave to continually beat
yourself up over it.
The two most important thingsto focus on are learning from
your mistakes and forgivingyourself.
Oh, wow, right, okay.
So start by forgiving yourself,then stop comparing yourself to

(10:55):
other people.

Jenny GK (10:57):
Yeah.

Caitlin K (10:57):
Bad, super bad, doing that is actually detrimental to
your health.
It's bad for you.
It's true with beauty, withfashion, with relationships, and
, yes, it's true, that isactually detrimental to your
health.
It's bad for you.
It's true with beauty, withfashion, with relationships, and
yes, it's true, in finances andsocial media is a lie, friend.
Okay, it's a lie.
If you want to feel betterabout the garbage you see on

(11:17):
social media, like influencersfollow, influencers in the wild,
like that will make you feellike, oh, influencers in the
wild.
Like, yes, that will make youfeel like, oh, all of this ish
is a lie.
Yeah, right, do you know howmany people have been caught
taking pictures in front ofthese beautiful homes and like
sitting on hoods of cars that donot belong to them?

Jenny GK (11:36):
oh my gosh, that's, amazing it is amazing.

Caitlin K (11:39):
Go follow influencers in the wild if you ever want to
feel better about theinfluencer stuff you see on
social have you heard aboutthese um private jet photo
sessions?

Jenny GK (11:50):
sorry, what?
Yes, so um, it's.
It's come out um recently inthe news, maybe with like, it
could not be recently, I'm old,it could have been a year ago, I
don't know.

Caitlin K (12:02):
Anyway, permanence and time are not strengths for
people with ADHD.

Jenny GK (12:06):
Yeah, so, anyway, this private jet company was renting
out the jet by the hour forpeople to come and take pictures
in it like they were on aflight.
Stop no no and so like,depending on how much you paid,
like they could have the flightattendant in the picture with
you.
You could be served drinks like.

(12:28):
But basically it's come in hereand do a photo shoot like
you're hanging out on your, yournormal private jet.

Caitlin K (12:36):
Your PJ.

Jenny GK (12:38):
Your PJ.

Caitlin K (12:38):
Social media is a lie .
Ok, yes, all this does is makeyou doubt yourself and crap all
over how far you've come.
So don't, don't do that.
This in the words of myfavorite back to school video on
Tik TOK this ain't that Allright.

(13:01):
She's the best.
That woman is the best, oh mygosh.
Okay.
So now you're also going tocreate a money mantra.
You're going to replace yournegative thoughts with more
positive and empowering moneyaffirmations.
So, instead of telling yourselfI'm bad with money, you're
going to say I am learning andgrowing in my financial journey

(13:22):
which journey always makes mefeel a little condescending.
When I say that, right, like,oh, I love that journey, yes,
but I'm learning and growing inmy finances, it's totally fine
to say, okay, it's a longprocess, right.
Small shifts in inner dialogue,how you talk to yourself matters
.
We've covered this with severalguests before.

(13:45):
Megan DeVito is one of them.
How you talk to yourselfmatters.
So just don't say negativethings to yourself, right?
Don't talk about my friend thatway, those sorts of things,
okay.
I loved this quote on Redditfrom Veritas643.
Money is completely neutral andsimply a tool to acquire assets

(14:05):
and decrease liabilities.
Money is a tool.

Jenny GK (14:10):
Money is a tool.

Caitlin K (14:11):
Okay, so keeping that in it'll help you stay neutral.
If you remember, this is just atool that I have.
It's not.
It doesn't define who I am oranything like that.
Okay, money, the object itselfof money, is not good or bad.
Right, keep that top of mind,and you could even add it to
your money mantra as you moveforward.
This is a tool to help me getfrom good or bad right, it's not

(14:34):
good or bad.
Okay, also, you're going tostart practicing gratitude for
what you already have yes I amstruggle bus with practicing
gratitude because I always go tothose default things, right
right, like I'm glad I'm healthy, I'm glad I have a house.

(14:54):
You know things that we alltake for granted, but I try to
be mindful of them.
So then I end up only focusingon those things and it feels
stale and cliche and overdone.

Jenny GK (15:05):
Well, and that's why I love at my family Thanksgiving
when we go around the table andsay what we're thankful for that
year.
All of those things are assumed.

Caitlin K (15:14):
Yes, that's.

Jenny GK (15:15):
So you don't look shallow by saying, oh, I'm
really thankful that I got a newjob, or I'm really thankful
that bought a house this year,like it's.
It's understood.
We start with OK, we'rethankful for our family, we're
thankful for stability, we'rethankful for health, we're
thankful for stability, we'rethankful for health, like
everybody's thankful for thosethings.
Now let's get shallow.
What are you thankful for,right?

Caitlin K (15:36):
I'm thankful for this pie, stuff like that Okay.
So, you're going to appreciateyour financial blessings, no
matter how small, and celebrateany financial successes, no
matter how big or how small theyare.
Okay, now you can be thankfuland still have goals.
So, as we move into thispositive mindset, we're going to
start visualizing financialgoals.
Okay, if you were to imagineyourself achieving those

(15:58):
financial goals and dreams, whatwould it feel like?
How does it make you feel tothink about the accomplishment
of that?
Okay, those are the things thatyou are going to need to lean
on when you want to buysomething that is not a new
budget, right?
Okay, then you're going to workon creating good money habits.
Now, this is probably whereyou're like yeah, but what are

(16:20):
those?
right um I am not a financialadvisor.
However, I do have resources inthe blog post for this episode
that you can go to to helpyourself do this Okay.

Jenny GK (16:31):
Oh, amazing.

Caitlin K (16:32):
Yeah.
So I'm going to say this you'vealready beat yourself up.
You've probably accumulateddebt because this is America and
you know something has tochange right.

Jenny GK (16:43):
Right.

Caitlin K (16:43):
That something could very well be your pattern of
behavior that you have developedaround money, right?
So it's time for you to faceyour fears and your frustrations
, yes, and take steps to educateyourself.
Okay, okay, um, I have starteddoing this and it is very

(17:06):
eyeopening and frightening, butit's, it's important, okay.
So you're going to educateyourself.
Start with educating yourselfabout budgeting, right?
I personally like the 50, 30,20 method.
I'm not going to get into whatthat is here.
There's a link to it in theshow notes, so make sure you go
check that out.
It's in the blog post for theepisode.

(17:26):
You're going to set small goalsto build some momentum, and
then you're going to dedicatesome time weekly to go over your
finances.
Okay, and then you're alsogoing to remember that, since
Rome wasn't built in a day, goodhabits around finances and
healthy accounts aren't going tobe built in a day either.

Jenny GK (17:43):
Right, right.

Caitlin K (17:44):
Okay, Just also keep in mind.
This is why I like the 50-30-20method.
Budgeting doesn't have to suck.
There are systems that allowyou to have money to spend on
things that you love and enjoy.

Jenny GK (18:00):
I like that because I enjoy things.

Caitlin K (18:04):
I enjoy Amazon.
That instant gratificationthough, so good.
Okay, the last thing you'regoing to do to cultivate this
healthy money mindset is you'regoing to celebrate every win
that you have, it doesn't matterhow small it is.
I mentioned this earlier.
Okay, did you successfullystick to your budget this week?
Did you pay off a small debt?

(18:26):
Did you not make that impulsepurchase?
You just added to cart and thenhit save for later.

Jenny GK (18:34):
Dude, I love that move .

Caitlin K (18:35):
Uh-huh, me too.
Reward yourself, and not with alittle treat.
Not one of them little.
I need to buy myself a littletreat because that's going to
sabotage what you just rewardedyourself.

Jenny GK (18:48):
Exactly Right.

Caitlin K (18:50):
Do something like 10 minutes of something you love.
I don't know, crochet, sleep,whatever.
Do something I love sleep.

Jenny GK (19:00):
It's like one of my.
I'm going to give myself a naptoday.

Caitlin K (19:01):
I'm going to give myself a nap because I earned it
.

Jenny GK (19:04):
Also, side note you can't spend money while you're
sleeping and I cannot spendmoney when I'm sleeping.
Yep, spend money when I'msleeping.

Caitlin K (19:08):
Yep, just putting it out there.
Anytime you acknowledge andcelebrate your accomplishments,
it's going to help you feel moremotivated and it'll keep you
inspired to keep going.
You need that when you'rechanging how you feel about
money entirely.
Okay.
So I have some resources here.
I'm going to list them out Now.

(19:29):
I haven't read these are notvetted resources.
These are generated by AI.
Remember, I told you I use AI.
This is where I use it.
Okay, so there are some booksthat were recommended.
One book by Jen Sincero you Area Bad A at Making Money.
It's supposed to challenge yourlimiting beliefs about money.

(19:49):
Another one by morgan housel,the psychology of money, which
talks about behavioral financeaspects of money and how your
emotions and psychologyinfluence your decisions around
money oh robert kiyosaki wroterich dad, poor dad, which is a
classic.
I've actually heard of this book, but I've never read it, so

(20:10):
it's just all about views onmoney and investing.
Okay, so those are some booksgenerated by AI, thank you.
Podcasts that were alsogenerated by AI Again, I have
not listened to these AffordAnything by Paula Pant, which
focuses on building wealth andachieving financial independence
, and Happy Money by ElizabethDunn and Michael Norton explores

(20:31):
the psychology of happiness andhow it relates to money.
I full disclosure.
Dave Ramsey was mentioned inthis list.
I personally am not a DaveRamsey fan.
I think he's a little out oftouch, given his most recent
statements on how you can justget free childcare over the
summer, so I did not include himhere.
However, there are plenty ofpeople who swear by Dave Ramsey

(20:53):
and his methods.
That is up to you to take alook at, listen to, et cetera.

Jenny GK (20:58):
I will tell you, pardon me, I also am not like a
huge fan of his, but I do lovethe debt snowball.
This is the Ramseyism of payingoff your smallest thing first,
and so you make your minimumpayments on everything, but you
put as much as you can towardsthe smallest and so you get that
sense of accomplishment Okay,that one's paid off.

(21:20):
Then you go to your next andyou do it by size, and I have
used that mindset for a lot ofbig tasks.
Be, okay, I'm gonna do thesmallest thing first and build,
and so, um, I don't know if,like, he made up that snowball,
but if he did, I I like it.

(21:41):
I like the idea of just liketackling the smallest thing and
building on on your momentum.
But yeah, um, some of thethings that he says on his show
or in the news is like I don'tknow man.

Caitlin K (21:55):
Yeah, I think I could get into a whole reason why not
to listen.
However, I do agree with thedebt snowball thing and I used
it myself and it did work for me.
So that's why.
But you know, again, to eachtheir own.
I just wanted to be honestabout that information being
here.

Jenny GK (22:11):
I'm going to Christmas decoration snowball Because,
yes, it's February and, yes, myhouse is still decorated for
Christmas Girl you do.
That tree is staring at me.
Your knee is messed up.
It is a big job.

Caitlin K (22:22):
It is hard to do things.

Jenny GK (22:24):
My knee is messed up.

Caitlin K (22:25):
Okay, all right, okay , so forgive yourself.
Okay, okay, all right, okay, soforgive yourself.
Okay, these resources, thesewebsites, I actually have used
and vetted, so I'm going to putthese out there.
Um, one of them is nerd wallet.
I actually have the nerd walletbudgeting app on my phone.
Okay, is there a cost for that?
No, there is not.
Okay, there's a nerd wallet plusthat you do pay for but, I, do

(22:48):
not pay for this, and they fullyacknowledge why, like, if you
need a budgeting app, it'sprobably because you can't
afford extraneous expenses.
Why would we make this be athing that you have to pay for?
And to me, that's why I wentwith theirs, honestly.

Jenny GK (23:05):
Okay, I want to play with it, but I have been afraid
that it's going to disappoint me, because I go through all the
steps and then they say, okay,and now for only $49.99 a week.

Caitlin K (23:18):
No, that is not my experience with it.
Now, I haven't linked all of myaccounts yet, because it's kind
of a pain to do that processright, like you're just like oh
my gosh, so many things, yeah,so many things.
However, it is a veryinteresting thing to see just
with my bank accounts not mycredit accounts or anything that
how all of this is playing outin terms of that 50, 30, 20 idea

(23:40):
yeah, yeah, yeah yeah um, sothey have.
Also.
I love their blog because, likeall the topics they have about
everything, it's written in sucha way that is so accessible and
relatable.
I don't like when um websites Imean, we've talked about this.
I'm a.
I write content for educationaltechnology companies.

(24:01):
I don't like when the languageis not relatable, it doesn't
feel good um, and they don't usewords that you don't understand
.
The content, the the language,is very much like how you would
expect someone who's teachingyou how to do this to speak to
you.
It's a great website.
I really like NerdWallet.
I've also looked atInvestopedia.

(24:22):
It's a little bit moretechnical.
It's not my favorite.
However, it does do a lot ofthat you know.
Here's how to get started andmove into investments, which is
something that I just need tohire a professional.
But there you go.
And also Bankrate.
Bankratecom is a really commonone.

(24:44):
You probably hear ads for it.
They like to also give adviceon what credit cards to use and
why to use them.
So really good resources there.
So that's how we're going toreframe our money mindset.
I hope that you find thathelpful.
We're going to take a quickbreak and we'll be right back

(25:05):
For links to resources mentionedin this episode.
Head on over tockandgkpodcastcom slash blog to
find everything you need, and besure to follow us on social
media.
Head over to your favoritesocial media network and find us
at CK and GK podcast.
And now back to the show.

Jenny GK (25:25):
Okay, so that was like a little heavy for me, but not
in a way that's scary, but moreof like Jen, you got to do this
work.

Caitlin K (25:32):
I know it's, it's a scary thing, but I'm trying to
practice what I preach here,right.

Jenny GK (25:38):
And do it myself.
I'm I'm already taking sometime to think about my mindset
and say, okay, well, what are mybeliefs?
So I love that, yeah, okay.
So let us talk about what weare obsessed with.

Caitlin K (25:53):
Ready.

Jenny GK (25:55):
Besides changing our money mindset.
This is so cool.
Okay, at my school, the ASLclass has put QR codes on
different doors and objectsaround the school and you can
scan the QR code and learn thesign for that thing.

Caitlin K (26:16):
That's so awesome, isn't that cool.
I would not do any work, Iwould just be standing there.

Jenny GK (26:22):
Walk around and learn things.

Caitlin K (26:25):
Oh, my, isn't that awesome.
Okay, I don't know the cellphone policy at my former
workplace.
What is?

Jenny GK (26:33):
We are no phones at school, okay, but they can
access it from their Chromebook,yes, so they can walk around
with their school computer.
And, oh my gosh, my dog isbarking again.
Real life folks so, but theadults, you know we're all

(26:54):
walking around with our folks,yeah, and I mean it's really
cool Like you're watching, yousee the kids like stop, scan the
code and learn the sign.

Caitlin K (27:01):
That's super cool.
I love that.
What a fun thing and verycreative.

Jenny GK (27:07):
Yeah, super awesome.
Our ASL teacher is verycreative she's amazing props to
her.
I'm like I love it so much andit's really cool because when
you watch the video it's a kiddoing the sign.

Caitlin K (27:20):
Um, it's neat I love it okay, well, mine.
I've got two.
One of them is fleece lineleggings, if you're not on board
?
Yes, absolutely this time, andI know, I know, that Texas is
not known for being cold.
However, it has been prettycold here.
We had that cold snap at theend of January or MLK weekend,

(27:45):
and I mean Fleece Line Leggings,that's the jam.

Jenny GK (27:49):
I have the ones that look like you're wearing
stockings, but they're reallyjust leggings.
Oh, yeah so it looks likeyou're wearing black tights, but
they're fleece line on it, butthey're fleece line and when you
like, pull it.
You'd be like, oh, your skin ispulling off.
It's like, no, my skin is notpulling off, it's just flesh
toned.
And then black sheer layers ontop of each other and they make

(28:13):
them in multiple tones of skin Ilove that yeah I'm going to get
my hands on those.

Caitlin K (28:18):
Okay, amazon.
Um, my other one that I lovedas I was scrolling reddit,
because that's what I do now.
This one is from eftel Quartz.
It's a quote from her therapistthat was in the self-care
channel and I just had to shareit.
You're already capable of somuch love and with patience,

(28:40):
that love will start to turninward, toward yourself, where
it belongs most.
Oh, just let that sit and sinkinto your skin.
Amazing, right?

Jenny GK (28:55):
I loved that yes, where it belongs the most where
it belongs most.

Caitlin K (29:00):
So good, okay, let's talk about something funny.
You got something funny for me?

Jenny GK (29:04):
yes, okay, okay.
So, um, we have talked about myknee a couple of times because
it's kind of the biggest thingin my life right now.
I received results and I havedone some significant damage to
this joint.
I have what they call theunhappy triad.

(29:28):
So when they say during asporting event, oh, they blew
out their knee, that's what Idid.
That's what I did.
I tore my acl, my mcl and mymeniscus both of them.

Caitlin K (29:44):
But that's not the jam okay, that's funny, but
that's not.
It's not funny, it's.
I mean how?

Jenny GK (29:49):
you did it.
It's funny how I did it.
I was jumping for joy but soyou know, got the unhappy triad
by trying to spread joy andcheer around the holidays.
But you know that's a differentstory.
What the gem is is I'm tellinga kid this he was like, oh, did
you get your results?
I said yes, I tore my ACL, mymy ACL, my MCL and both menisci.

Caitlin K (30:19):
And he goes oh, are you going to get an elevator
pass?
For context, at the school it'smulti-floor and the kids have
to use the stairs unless theyget an elevator pass.
So he's totally just giving itback to Jen.

Jenny GK (30:29):
And I'm telling my husband this, and he was like,
oh, he went to this school,right, he has been up and down
the elevator it's the sameelevator.
Oh please, um.
But he said oh man, thoseelevator passes, they're like a
wonka ticket like they reallyare.

Caitlin K (30:46):
It's very.
I got a golden ticket for sure.

Jenny GK (30:50):
Oh my gosh.
Yup yeah, I'm going to get anelevator pass.

Caitlin K (30:53):
I love when kids are smart enough to be witty.
Like I love when that stage ofmiddle school, when they start
getting witty, it's really,really fun.

Jenny GK (31:02):
Yeah, it was funny.

Caitlin K (31:03):
Okay, so here's mine.
I have a very inquisitive youngson.

Jenny GK (31:15):
Yes.

Caitlin K (31:17):
And he thinks in ways that I would never have thought
and it is very challenging toanswer his questions sometimes.
So last night he wanted tolisten to a sleep cast put on.
We use Headspace in our familyand Headspace partnered with, I

(31:41):
guess, disney They've done likeHeadspace plus Sesame Street
where the characters teach kidshow to meditate and calm down.

Jenny GK (31:49):
But they also did one with Star Wars.

Caitlin K (31:52):
So the people who are doing the meditations actually
read some sort of StarWars-esque story?

Jenny GK (31:58):
Oh my gosh, that's funny.

Caitlin K (32:00):
It's cool.
It's cool and he likes thestories and it's like a really
meditative voice just puttingyou to sleep.
So he wanted to listen to that.
Last night and I thought he wasasleep and he rolls over and he
goes mom, why are there humansin star wars?
So that's the first part of mygem.

(32:23):
And then he would not acceptany of the answers that I had
for him, like you know, um,because it's a movie, because
it's right real um, becausehuman costumes are easier than
alien costs like the.
The practical, real answers didnot suffice for this child right

(32:45):
so I reached out to threads andI said can someone with
knowledge of Star Wars pleaseexplain to me why there are
humans in the Star Wars universe?
My child will not go to sleepuntil he knows.
And the search engines havefailed me because, you know, I
searched.

Jenny GK (33:02):
I had.
This is hilarious.
I cannot believe you did this.

Caitlin K (33:07):
And I just need you to know that the thread has four
and a half thousand views no,it doesn't yes, it does, and a
hundred comments on it.
Now, part of this is me goingback and thanking people for
their responses but, still, butthis is a lot, and someone

(33:27):
reposted it, not me.
I did not repost it.
Um threads is not the dumpsterfire that twitter has become?
x right ever this is people whowere like genuinely trying to
give me some sort of response.
Like you know, tell him it's amovie, tell him george lucas

(33:47):
wanted to have relatablecharacters like.
and then there are people whoare going in there and being
like, well, actually there issome sort of canon about Luke
knowing about this distant placecalled Earth and I was like
what?
This is wild.
So I can use the word canonaround my child because he

(34:09):
understands superhero canon,like he knows Superman or not
Superman, sorry, spider-man,that's a very different.
That's a big mess up.
Those are dc and marvel.
I apologize to my my comic booknerds who listen.
Um, he knows, spider-man canonis whoever is spider-man is
going to lose someone importantin their life and that's how you
become spider-man, right, likethat's just how it works.
So I can go to him and say,because it's canon that Luke

(34:35):
knows about a place called Earthor whatever.
And then some of the answers arefunny, like you know, and then
confuse him with BattlestarGalactica, which I of course
can't do because I don't knowanything about Battlestar
Galactica.

Jenny GK (34:44):
I don't know anything about that.

Caitlin K (34:46):
But some of them are really funny, but it's just.
Them are really funny, but it'sjust.
It's so great that, like firstof all, he asked me this
question and I was like I don't,I don't know, but also that
there are a lot of people whoare genuinely trying to help me
give an answer to a child onthreads.
I just loved that.
So that's amazing it's a greatand also four and a half

(35:07):
thousand people four and a halfthousand people have seen this,
which is like wild and nuts, andalso there's a hundred comments
on it that's crazy, the alienactors are cheaper to hire, or
sorry, the human actors arecheaper to hire than the alien
aliens.
Like people are just so good,so good, I love it.
Like people are just so good,so good, I love it.

Jenny GK (35:34):
All right.
Well, when you're casting for afilm, go with humans.

Caitlin K (35:40):
They're cheaper, make good choices and forgive your
past financial mistakes becauseyou can move on and have a happy
money mindset.

Jenny GK (35:52):
Okay, bye, bye.